davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Law Offices of Mitchell D. Bluhm & Associates (SD)

I have just checked my credit score on XXXX ( as I do every month. ) I just saw tonight that there is a total of XXXX open debt collections from a " LAW OFFICES OF MITCHELL '' with no further information ... I have tried to call them and the phone number will only put me through to someone if I have an account number. I have looked them up online and all I can find is that they are n't a reall law office and they are n't to be trusted ... I should n't have anything on my credit and I have never heard of this law office. I am not sure who to contact or why it is on my credit. Thank you.
Consumer complaint received 2016-10-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

I 've had my mortgage with Penny Mac for a few years and have made additional principal payments to bring the principal balance down to below XXXX % original LTV. The PMI disclosure we signed says we can cancel when " the date the principal balance actually reaches XXXX % of the original value of the property. '' Based on the original value of the property, which Penny Mac is using the sales price, we are now below XXXX % LTV. If we used the first appraisal value, it would be even higher. We ordered an appraisal in XX/XX/XXXX through Penny Mac which confirmed our home value increased. There response to me so far has been to deny the request, citing we must have XXXX % LTV of the original value of the home. Our PMI disclosure does n't reference XXXX % LTV at all, and reviewing research on the CFPB web site seems to suggest the XXXX % is an inventor recommendation and should n't be used. Can you please help me clarify? We have met all the conditions needed for PMI to be deleted from our mortgage and continue to get denied.
Consumer complaint received 2016-04-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

The ordeal with Ocwen continues. I called Ocwen this past Friday to ask for the status on my claim : i.e. pending delivery of my closing documents such as stock certificate, proprietary lease, promissory note, loan agreement among others to be delivered upon completion of loan payment. 
The representative who answered the phone ; XXXX, after placing me on hold for a few long minutes to research his system, indicated that there was nothing pending. There was no request for the closing documents anywhere in his system. 
When I indicated that I had received communications from XXXX and XXXX that they were expecting to receive the documents by XX/XX/XXXX ( day of my call ), XXXX did n't know who XXXX was and said that XXXX was at a different office. However, when I asked for his direct phone number, XXXX realized that XXXX indeed worked in the same office and transferred me to him. 
XXXX indicated that he did n't have any updates and that he would call me by Tuesday ( today ) to let me know where were them on the receipt of documents. He also said that they had hired an attorney to go after the documents from XXXX XXXX. 
When asked what had taken them so long to go after the documents they know or are supposed to know that they needed to deliver to me, he had no answer. 
How is that almost a year after the loan has been paid off, and Ocwen did n't know who the real owners of the loan are, who was the management company, etc. 
If I did n't state this on my last response, they would 've kept going after people I do n't even know. 
I strongly request that Ocwen release the closing documents they need to provide me upon receipt of full completion on loan payment and advise me when am I to receive them.
Consumer complaint received 2017-03-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

Spoke with Navient collection agency today again asking to lower payments. They asked to speak to my co signer who is approaching XXXX and is in XXXX at the moment. I proceed to make a long distance call only to have the representative ask my cosigner a bunch of questions that flustered her and caused her stress. I 'm willing to pay a lower payment without the help of my elderly co-signer who survives only on her SS income. She uses this money for her own expenses such as paying for medicine XXXX and XXXX pills also XXXX medication, medical and life insurance. Navient rep, then proceeded to hang up the phone on me refusing to help me further. I also asked to have my cosigner released but no assistance with that. I 'm truly disgusted at this point.
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

I am responding to a letter I received from Experian regarding a request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they do n't think I am smart enough to write a dispute letter. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my full written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I researched a dispute letter online and just used that to complete my dispute. So I guess it is possible that I may have missed something. I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that was inappropriate? 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. Would completing a dispute over the phone provide me with the same benefits as the letter? And if the results would be the same, why not just accept my letter?
Consumer complaint received 2017-02-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am aware that TransUnion had a server error last year whereby multiple credit files had inquiries inadvertently removed. I recently checked my TransUnion credit report and can not with any certainty recall the history of any of the hard inquiries on my report. Therefore, because I feel victim to the lack of data integrity and the fact that TransUnion failed to follow the legal requirement of FCRA Section 611 stating that the credit bureaus must notify me within five days of reinsertion of inquiries, I ask that they remove all inquiries from my report. 

Please request that TransUnion remove the following inquiries : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2017-02-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: HW Holding, Inc (GA)

I explained that revolving credit has a time frame. In return to my response, the reset date of all my debt was XX/XX/2013 versus a removal and an increase in my credit scores. XXXX XXXX XXXX : The final result was a verbal conversation with a customer rep from XXXX to inform them that all debt has to be erased on all revolving accounts due to being opened in XXXX. I have paid and it was not properly reported. The account is accruing interest, which is being reported, not the debt that was paid. Thus it requires removal from my credit report. Judgement : There is also a judgement listed as an installment account such as a car payment for an apartment with unfit living problems such as floor boards being uneven and imperfections in the carpeting. The XXXX XXXX XXXX had us sign a lease agreement for XXXX months to keep us locked in a higher rental rate to cover it 's XXXX quarter of the year. Thusly, I sent letters attesting the non legal nature of the lease under the Renter 's Rights. XXXX XXXX XXXX : The car with XXXX XXXX was bought under the XXXX law due to its previous accident being omitted from the XXXX reporting and battery not being replaced. I was not told it was a program or rental car by a previous company such as a rental agency. I discovered this due to the previous owners names recorded in the Blue Tooth Device. XXXX : The services were disconnected in XX/XX/2013 and I was still being billed. Advised the company to come and get the boxes, due to the status of my XXXX, I was not able to XXXX.
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX I filled Chapter XXXX bankruptcy in XX/XX/XXXX and 7 years have passed. By law you MUST remove the Credit card account from Transunion credit report. You have refused to remove the account and this is why I MUST fail a complaint. See info : Account Details Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1800.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$10000.00} Payment Status Payment Plan Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ XXXX Times 30/60/90 Days Late 0/0/0 Remarks Chapter XXXX ; wage earner plan account XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-10-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NH)

I am disputing the XXXX hard inquiries that are on my Equifax credit report. 
The inquiries are from XXXX Bank and they are : XXXX. XXXX XXXX Bank : XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX Bank : XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX Bank : XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX Bank : XXXX ( XXXX XXXX ) I have sent XXXX letters to Equifax to dispute these hard inquiries and they have done nothing yet to correct the issue.
Consumer complaint received 2016-10-03
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc. (PA)

XX/XX/XXXX, we were having trouble paying our mortgage. Now please keep in mind that we purchased this house XX/XX/XXXX for {$88000.00} with XXXX for 15 years. Our mortgage was sold and we had to refinance several times sometimes XXXX time putting down {$30000.00} to get to a payment we needed when I received an inheritence. Long story short it is now XX/XX/XXXX and we owe {$93000.00} on the house for 30 years and are again refinancing after finding out that our current lender whom stated our loan was a 15 year fixed loan in XX/XX/XXXX lied. It is currently at 48 years which would make us XXXX years old when we paid off the house that we started paying off when we were XXXX years old. we did a remodification which was intended to help us, but it did not, we have made our payments timely and our loan keeps being extended and we do n't understand. we are now going through XXXX XXXX Harp program to get back on track for another 15 years, but we have been paying consequitively since XX/XX/XXXX and owe more now than ever. Something is not right. I have gotten the run around from XXXX and Seterus whom I 've now said over {$20000.00} in two years and my principal is more now than when we started without missing a payment. Please help us. I am on XXXX, my husband and I are separted but he is required to pay on the home as it 's in both our names. we would just like restitution as we have now paid for the house 3 times over and now are restarting over for another 15 years as the modification Seterus did, DID not benefit us whatsoever. Any help or assistance would be greatly appreciated.
Consumer complaint received 2017-03-06
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Army and Air Force Exchange Service (NC)

Back in XXXX 2014 my now ex-spouse used my AAFES XXXX XXXX. who was at the time an authorized user. Charged 6 straight times XXXX, on my credit card what she did was buy XXXX gift cards to a tune of over {$6000.00}. at no time did the credit card company notify, advise me, or verify if these transactions were authorized. the same amounts every day for 6 days should have raised a Red Flag. and when I did try to dispute it all I was told was she was an authorized user. now since this is a government institution, they are able to garnish my money. which they have to include my Fed tax refund. interest continues to accumulate on this account, late charges. the charges they are attempting to collect through a collection agency is now almost XXXX they are not going after her or her taxes. just me where is the justice. need help!
Consumer complaint received 2017-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

My student loans were consolidated by XXXX. When Navient assumed the loan, the loan amount was changed w/o out my consent. I have never missed a payment. Unfortunately, I did not know until recently when I saw it in the fine print, for the XXXX time, that I was only making the minimum payment. Due to this, I have paid a lot more interest than if it had been calculated over the XXXX year period. I was never offered any other option and believe that I have paid substantially more interest than I should have. 
I took out this loan while attending the University of XXXX 

Is there any recourse for this issue?
Consumer complaint received 2016-04-27
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (FL)

In XXXX of 2015 I asked my loan officer if it was in fact true that I could have PMI removed right after closing. He assured me via email that it would n't be a problem at all. He even went as far to say that he had just left some kind of a conference for continuing training and they talked about it there, so he was certain. This was all written through email, by the way, so I have the whole conversation documented. We closed a few weeks after that conversation. 
Fast forward a little over two months later and I decide to make the call to have it removed. I went through XXXX XXXX XXXX for the loan but the mortgage was then sold to Wells Fargo. So I reach out to Wells Fargo and they tell me that I must have 80 % LTV in order to have PMI removed. I told them I was already aware and that based on my appraisal, I already have that. They then advised me that they would have to use the lesser of the appraisal or the purchase price. Well, I got a heck of a deal so the lesser would definitely be the purchase price. I only put 5 % down so I was nowhere near the needed 80 % LTV that they want. The numbers are as follow : Appraised value : {$220000.00} Purchase price : {$170000.00} Mortgage amount : {$160000.00} Similar houses in my neighborhood are going for well over {$220000.00} so the bank clearly has no risk here in regards to the LTV. I initially reached out to Wells Fargo the first week of XXXX. The said my case 'due date ' would be XXXX XXXX. When that day came they said it would be delayed and the case will be pushed back to XXXX XXXX. When that day came they said it would be delayed and the case will be pushed back to XXXX XXXX. When that day came they said it would be delayed and the case will be pushed back to XXXX XXXX. Now here it is the XXXX and sure enough, there 's no resolution. Each time they pushed the case back I would ask specifically what are they doing or trying to decide? They would always respond with a vague answer and just say " this is normal ''. 
The PMI portion makes up {$80.00} of my payment. This may not seem like much to some people, but my budget is extremely tight already. I ca n't afford to be manipulated and lied to and lose {$80.00} per month.
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (FL)

Dear Chase Bank, I am submitting a claim on my credit card because I have been scammed. I was lead to believe they were going to try to help me with a Federal Grant. I was going to try to help out my sister because she has been out of work for several months, help my son get on his feet with a business, help pay on my credit cards because I have been helping my son and daughter out, etc. This company has pulled funds from my credit cards to show that I my credit cards are exalted. They have pulled funds with the following information and dates : XXXX/XXXX/2016 XXXX XXXX XXXX {$5000.00} XXXX/XXXX/2016 XXXX {$2000.00} Please reverse these charges as I do not except these charges. Please Help Me.
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have never resided at the address listed as XXXX XXXX XXXX XXXX, XXXX MS . I helped a fellow government worker move their belongings there as they were in need of assistance to care for their XXXX children while transporting their goods. I need this corrected immediately as I am receiving a bill from a company I did not do any business with. I only stayed with this individual for a month while they got situated working for the XXXX XXXX XXXX. Please delete this line item immediately.
Consumer complaint received 2016-06-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (FL)

There is a collection company that is illegally and erroneously reporting a debt due, I already requested an investigation thru all XXXX credit bureaus and I have been unsuccessful. The company still says that the debt is due when there was never one. The collection company is showing a debt due as a rental/leasing category from an original creditor when I never even rented from them. Need this item removed from my credit inmediately.
Consumer complaint received 2017-02-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (VA)

Company not sending written communication. Address verified and email address verified. Claimed several documents were emailed and mailed XXXX yet I have not received anything but a dispute form to fill out to my email address. Missing documents include XXXX debit card, XXXX pin numbers, XXXX documents regarding the dispute ruling and status.
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TranUnion is reporting inaccurate information in my credit file. 
The account name is XXXX XXXX Bank. I 've disputed this particular account with TransUnion and directly with the Creditor. It 's been over 45 days and I have not heard anything from original creditor. As far as TransUnion they are reporting inaccurate information. The balance should reflect XXXX because this particular account was written off by the original Creditor. Also since I directly disputed this account with TransUnion they are suppose to verify/ validate this account which they have not. According to FCRA TransUnion has 30 days in which to validate your dispute. It has to be noted in the " comment '' section which is has not. That 's a violation of the FCRA rule 601 ( XXXX ) ( a ).
Consumer complaint received 2016-04-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (VA)

I reviewed my credit report and saw a collection item from AFNI Inc. which I was never aware of and never received any kind of correspondence. I disputed the item through the XXXX credit reporting agencies and this company responded to them in record time that these items are valid which is untrue. I then sent a letter via certified mail in XXXX and got absolutely no response. Yet instill this collection item is still currently on my credit report and causing me to be denied credit.
Consumer complaint received 2017-03-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (MO)

I received a bill from the original source XXXX XXXX XXXX account # XXXX. I wrote a letter to them asking for an itemized bill and to please re-submit the claim to XXXX XXXX because I had exceeded my out of pocket expenses for the year. They did neither request. I was then contacted about aq month ago from a woman saying she was collecting a debt. I told her the same information. She asked for personal information to be confirmed because she would be having the company sending me medical information. I received nothing from her or the company. Yesterday I received a letter from Transworld Systems Inc concerning this debt with the amount claimed and the company on it. My wife and I went to buy a car on XX/XX/XXXX/17 and I was told that my credit score had gone from an XXXX to XXXX because of this " debt collection ''. At no time have I refused to pay. I asked that it be submitted to XXXX XXXX again. At no time was I told I was being put in collections. This company XXXX sent me a bill with no explanation. I have never contracted with them for anything and they are paid by XXXX XXXX XXXX XXXX, MO to read XXXXs and XXXX. They then bill the patient for the difference between their full charges and what XXXX pays them. At no time in the process does anyone explain that a patient must pay the hospital, doctor and then another bill for the same service. 

I have had a 40 year history of excellent credit ruined by Transworld Systems because it was easier to ruin my credit than to answer questions or provide information. I would like my credit restored, and for XXXX and XXXX to submit the bill back to XXXX XXXX to be paid. At this point I have been severely punished for something I only wanted them to do their job..