davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My previous lender acknowledged they made a mistake in charging me over {$21000.00} for taxes I did not owe on my house in XXXX, which forced me to modify my loan. They charged me over {$53000.00} in interest on the loan modification. They admitted to the error and took the {$21000.00} off my account but did not take the interest off the loan, nor did they take the loan modification off, which I would not have ever needed. Now, I am unable to obtain a loan for a home in XXXX after relocating for my job, because of the error of XXXX XXXX XXXX on both my mortgage payoff quote, and because they are reporting a loan modification on my credit report. I believe this is a violation of the Fair Credit Reporting Act, and I must have this resolved in the next 10 days because I am in escrow. To avoid resolving the issue, XXXX XXXX XXXX sold my loan to Select Portfolio Servicing, who is now documenting the erroneous amount in excess of {$53000.00} as part of the principle.
Consumer complaint received 2015-05-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (OR)

Requested mortgage assistance options in XXXX 2015. I am in XXXX Bankruptcy. My Bankruptcy attorney received a letter on XXXX requesting all the information I had previously provided. I contacted the lender, Chase, on XXXX occasions by fax and email the same day I received the letter from my attorney. I received XXXX letters from Chase with XXXX subsequent date commitments to respond that were pushed out each letter. The last date has come and gone, so I called and emailed the Chase representative and have still not received a response. I am 19 months behind on my mortgage and not living in the house, nor can I pay the mortgage. I am willing to relinquish the home, conduct a short sale, or complete a foreclosure. I need the house disposed from my assets before the XXXX is complete.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

To Whom It May Concern., This letter is a formal complaint that you are reporting inaccurate and incomplete credit Information. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Account : 1. XXXX XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

2. XXXX XXXX XXXX  - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

3. XXXX XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

4. XXXX XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

5. XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

6. XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2016-03-30
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

COUNTRYWIDE HOME LOANS, INC. ( hereinafter " BAC CORP OWNED ASSET '' ) is stating that on XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, wife and husband ( hereinafter " the XXXX 's '' ) took out a loan with XXXX XXXX XXXX, XXXX ( hereinafter " XXXX '' ). 
To secure repayment, the XXXX 's executed a Mortgage with XXXX XXXX XXXX XXXX , XXXX ( " XXXX '' ) as nominee for XXXX which was recorded in the Bureau of Conveyances of the Federal State of Hawai'i as Document Number XXXX. ( See " Attachment '' ). 
BAC CORP OWNED ASSET is stating that by an Assignment of Mortgage dated XXXX XXXX, XXXX and recorded in the Bureau of Conveyances of the Federal State of Hawai'i as Document Number XXXX, XXXX OWNED ASSET is now the mortgagee of record. ( see " Attachment '' ).
Consumer complaint received 2016-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: American Financial Resources, Inc. (CA)

I have American Financial Resources Inc ( AFR ). as the mortgage company, with XXXX as the servicing company. The company charged a late fee based on when the check cleared my bank. The payment is due by the XXXX of the month and was received by the bank on the XXXX. It cleared the bank on XX/XX/2015. I called and spoke to the AFR and they credited me the late fee. My regular payment is {$1700.00}. I made the payment due as indicated on the XX/XX/XXXX statement of {$1800.00} ( {$1700.00} + XXXX for late payment ). In XX/XX/XXXX the amount due was {$1600.00} per the statement which reflected the late payment credit for {$62.00}. I sent a Payment of {$1600.00}. Now in XX/XX/XXXX, AFR charged me a late fee of {$64.00} for paying the statement balance of {$1600.00} in place of the regular payment of {$1700.00}!!! I paid what the statement showed as payment due and I got charged another late fee for not sending in the regular payment. 

My Complaint : 1. Per the AFR XXXX XXXX supervisor ( XXXX XXXX ), they will charge me late fee based on when the check is cashed by them and not when the payment is due. SO if my payment is received by them on XX/XX/XXXX and clears my bank on XX/XX/XXXX, they will charge me a late fee because the cleared on XX/XX/XXXX. This is a violation of the terms of contract which state the payment receipt is due by XX/XX/XXXX. 

2. For making the payment as stated on the statement as minimum payment due, AFR charged a late fee stating the charge is due to me not sending the regular payment due. I paid what the statement asked for and still got charged a late fee for sending partial payment!! 

American Financial Resources and XXXX are making their own rules and charging fees that are not legal. Please help!!
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2015-05-25
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (DC)

After I had paid the {$75.00} annual fee for my XXXX visa card ( issued by US Bank ), the benefits of the credit card were changed and severely devalued. XXXX of the key benefits of the card that convinced me to pay the annual fee was the fact that I would get XXXX free night at a XXXX hotel whenever I redeemed points for an award stay. However XXXX/US Bank abruptly ended this benefit and changed the terms of the halfway through my XXXX year of having the card without providing any compensation. If I had known that I would n't be receiving this benefit for the full year, I would not have applied for this card or paid the annual fee. When I contacted US Bank they falsely stated that customers had been informed of this impending change before the annual fee was charged ( we were not - customers were only notified in XXXX, after my annual fee was paid ), and they refused to refund the annual fee or reinstate the benefit. They offered only a very small compensation in the form of points, an offer that did not nearly compensate for the lost value of the benefit or the annual fee.
Consumer complaint received 2015-11-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Coradius International LLC (AZ)

Called and claimed a person ( not me ) owed a debt to them. When I called back they said they were a call center, ( did not notify me on the phone that this was an attempt to collect a debt ) and I am on the Do Not Call Registry and do not want to be bothered by them again.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to request a review of two accounts that have been removed from one credit bureau report but remains on yours.

These accounts have been successfully removed from my credit report maintained by XXXX. However this account still appears on my report with your agency. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and consistent reporting of my credit information. If an account is deemed inaccurate or unverifiable by one credit bureau and removed, the same evidence and resolution should apply across all credit bureaus.

Attached to this letter, you will find : I respectfully request that you investigate this matter, verify the information, and take the appropriate steps to remove this account from my credit file with your agency. Please provide written confirmation once this issue has been resolved.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX. Account name : XXXX XXXX ( Account # : XXXX ) XXXX. Account name : XXXX ( Account # : XXXX ) XXXX. A copy of my credit report from XXXX showing the account removal XXXX. Any Additional supporting documentation relating to this matter
Consumer complaint received 2015-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

We have been attempting to remove PMI from the mortgage of my single family residence as we believed we were able to request this when the LTV reached XXXX %. I paid for an appraisal to get the new value of my single family residence toward XX/XX/XXXX. After the appraisal, I was told that my request to remove PMI was denied because my LTV was at around XXXX %. Confused, because it was my understanding that the PMI can be removed at XXXX %, I further researched the issue, contatced customer service and was told that my " townhome or condominium '' needed to be at XXXX % LTV. Then, I came to the conclusion that Chase has me listed as a PUD instead of an SFR. I submitted a work order to have my property correctly listed as a SFR ( stated on the appraisal, page XXXX, section XXXX, line XXXX ) and to check back in about 10 business days which would have been around XXXX/XXXX/2015 ( The customer service rep agreed that SFR 's should be able to waive PMI at XXXX % ). I did exactly that. Chase stated that we work order was completed and I asked a mortgage specialist to resubmit the request as an SFR instead of a PUD. I received a call stating that request was still denied. I called in today to get the exact amount of additional principal needed to get my LTV down to XXXX % ( Chase stated that it needed to be below {$300000.00} ). In doing so, Chase 's automated system still stated facts about my " condominium ''. I do n't have a condominium, I have a single family residence. Becasue Chase has incorrectly listed my home as a PUD, they have cost me almost {$1000.00} in PMI that should not have been paid.
Consumer complaint received 2016-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Transunion is continuing to use false reporting from XXXX after being shown documented proof of XXXX 's negligence. I submitted proof to Transunion in the form of copies of US Mail Certified delivery and direct complaint to XXXX for reporting false information to credit bureaus which Transunion admitted receiving XXXX/XXXX/XXXX. The later complaint to Transunion and earlier complain to XXXX specified false information is of a four-month period of delinquencies beginning XXXX XXXX and ending XXXX XXXX when in fact the student loan was in deferment and never late. Within the submission to Transunion, I certified that XXXX had not responded to me within the required 30 days after XXXX 's proof of receipt XXXX/XXXX/XXXX. Transunion then ignored this documentary evidence and used the repeated false electronic reporting from XXXX to " verify '' the false information in their Transunion XXXX/XXXX/XXXX report update. Transunion failed to remove false reporting upon receipt of actual documented evidence. In a XXXX XXXX/XXXX/XXXX phone call to Transunion on the matter, a Transunion supervisor confirmed that Transunion is using an electronic " update '' from XXXX as verification and ignored documentary evidence from me that they admitted receiving XXXX/XXXX/XXXX. This Transunion XXXX went on to say there was no requirement in the FCRA for the original creditor to respond to the debtor [ sic ], and that the electronic verification Transunion received on XXXX/XXXX/XXXX was all Transunion needed to " verify '' the false information. I believe this is a violation of the FCRA because the XXXX/XXXX/XXXX " update '' from Navient does not contain any documentary evidence that Transunion or XXXX has or can provide to me, and XXXX/XXXX/XXXX is almost a full month beyond the FCRA 30 day required time period for a response from the XXXX/XXXX/XXXX receipt of certified notice of dispute.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2024, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these account to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance : {$18000.00}
Consumer complaint received 2015-07-09
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

I was approved for HAMP program and Wells Fargo dropped the ball on the XXXX mortgage to the point where they have foreclosed on my XXXX loan. It was my understanding that I was going to be offered XXXX. Apparently this did not occur because Wells fargo had incorrect city locations in my records and therefore no record match could be found. Although I called and sent over a XXXX letters -- Wells Fargo just kept passing me off to numerous people and nothing got done. My XXXX daughter answered the door the day the process server came to our house and the whole family was so upset about the possibility of loosing our home. Well Fargo did absolutely nothing to support me or the situation. After XXXX months of going around in circles -- and receiving letters from my credit card company 's that my credit limit was being downgraded since they had me recorded as foreclosing -- I received a call from a Wells Fargo manager, XXXX XXXX, in loss mitigation who told me that there was nothing he or the bank could do to resolve my harmed credit until I went through another trial period which would be XXXX days. How ridiculous and absurd is it to have to deal with bank managers who ca n't mange their own internal processes so they can support their customers. Especially when the mistake is on their end. Wells Fargo -- You need to own your mistake and stop with all your non sense.
Consumer complaint received 2015-05-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (UT)

We have a mortgage loan. We filed and were discharged from a bankruptcy case. Our payments were all made according to terms agreed upon by our current mortgage holder at the time. During the bankruptcy process our loan was transferred to another company SLS - Specialized Loan Servicing LLC - which is trying to charge us for pre-bankruptcy fees not included in claim filed. They are sending foreclosure notices and are not co-operating with us or the lawyer we have had to hire to protect our interests. We are filing a complaint with you as per our lawyers advise. Please help us - Thank You
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

XX/XX/year> My personal information was exposed in a data breach ( NPD ). 

15 USC 1681 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am requesting your help to resolve the incorrect account reported on my credit report. This issue has caused damage to my reputation, and I need your support. Due to your errors in managing my credit report, my reputation has been severely impacted. Please remove these inaccuracies so I can move forward with my life and my family.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

Subject : Request for Resolution of Incorrect Personal Information on Credit Reports Correction of Personal Information : Update and correct all inaccurate personal information on my credit reports, including but not limited to [ specify the inaccuracies such as wrong name, address, or employment information ]. 
Confirmation of Corrections : Supply me with updated copies of my credit reports from all three major credit bureaus ( Experian, XXXX, and XXXX ) reflecting the corrected information. 
Documentation of Changes : Provide a detailed report outlining the corrections made to my credit reports, including before and after versions of the affected sections. 
Expedited Handling : Address this issue as promptly as possible, as it is crucial for maintaining my financial health and accuracy in my credit history. 
I appreciate your attention to this matter and look forward to a prompt resolution. 
15 USC 1681i - Procedure in Case of Disputed Accuracy : The credit bureau must investigate the dispute within 30 days.

If the information is found to be inaccurate, the credit bureau must correct or delete it.

15 USC 1681g - Disclosure to Consumers : 15 USC 1681b - Permissible Purposes of Reports : 15 USC 1681c - Information Excluded from Consumer Reports : Outdated or incorrect information must be removed from your credit report.

15 USC 1681e - Responsibilities of Users of Consumer Reports :
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.