davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PNC Bank N.A. (MI)

I dispute all unverifiable transactions contained in Summary File Disclosure, Consumer ID : XXXX prepared on XXXX/XXXX/XXXX by XXXX XXXX summary disclosure. 

As the Secured Party Creditor, and the holder of the XXXX XXXX interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or  application. 

Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].
Consumer complaint received 2017-10-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MD)

Without notice, explanation, or legal authority, Caliber claims that I owe them more than {$2000.00} in escrow arrears. Any shortage is the direct result of Caliber 's failure to adequately prepare for the XXXX 2017 annual property tax bill. Now, due only to Caliber 's error, Caliber has unilaterally increased my monthly mortgage by more than {$200.00} per month. This is a more than 10 % increase.
Consumer complaint received 2017-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

According to the Fair Credit Reporting Act, Experian is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report. Experian needs to verify through the physical verification of the original signed consumer contract on all accounts they are reporting on my credit report. 

I have sent Experian three letters starting in XXXX asking them to provide proof of the debt they are reporting. I requested Experian to provide a copy of ANY original documentation ( a consumer contract with my wet ink signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Experian have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). They told me they have " asked '' the alleged creditor to validate the debt, instead of having a copy of the original creditors documentation on file to verify that this information is mine and is correct. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

With each account that has been reported due to their neglect on having physical verification of the original signed consumer contract, has personally and financially harmed this consumer in obtaining credit through financial institutions. I am asking for a XXXX dollar settlement for each account that Experian has reported in error and for Experian to take immediate action in removing all items from my credit report where they can not verify through the physical verification of the original signed consumer contract.
Consumer complaint received 2017-10-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (FL)

Went into PNC BANK in XXXX XXXX, FL to enter vault ( both keys in my possession ) I was told my step-father XXXX XXXX a man suffering from XXXX residing in the XXXX XXXX XXXX XXXX XXXX facility in XXXX XXXX XXXX, FL came into branch with locksmith and DRILLED OPEN VAULT. XXXX XXXX was a signer, however PNC was fully aware of XXXX XXXX mental condition. There is a " TRO '' in place banning him from location of bank. Temporary Restraining Order was given to PNC ... Lead Teller XXXX XXXX - along with Branch Manager. Yet they allowed XXXX XXXX to break into vault. Approximate amount of assets ( bonds ) {$170000.00} to {$200000.00} was stolen out of vault under the eyes and assistance of Branch Mgr. XXXX XXXX and Lead Teller XXXX XXXX. I have requested on several occasions copies of ALL vault documents and signature cards - PNC claiming Docs and signature are missing, lost ... That is a criminal act. XXXX XXXX of PNC Executive Offices has been made aware -- - ( XXXX ) 5XXXX Still nothing. Please LOOK into this matter and if required make a referral to the US Department of Justice, Washington, DC Thank you!
Consumer complaint received 2017-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (MI)

I dispute all the information contained in Summary File Disclosure, Consumer ID : XXXX prepared on XXXX/XXXX/XXXX. I request to receive a comprehensive report of all updated verifiable information.
Consumer complaint received 2017-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ND)

I have complained to Equifax over and over. Equifax has denied me the right to a fair credit report. Equifax knows that they allowed my information to get hacked! Before this situation I was a victim of identity theft! Equifax has a copy of the report. Equifax also has a Statement from a federal agency providing proof that my identity was stolen. A young lady got arrested for using my information and this was verified by the XXXX department. I have spoken to several Equifax employees and they have been very rude. The last XXXX people that I spoke with have been gabriella and XXXX whom were very rude. I have hospital bills reporting on my credit report that are fraudulent. I am a mother of XXXX who receives XXXX. I 've always received XXXX. It is against the law to bill someone who has XXXX unless it 's a co pay. These are fraudulent accounts that are not my accounts. I live in Nd. I have no reason to go to another state and accumulate a Medical bill when I have XXXX and reside in the state of ND. I am trying to purchase a house that has been repossessed from a family member that is now deceased. Equifax has denied me the right to a fair credit report. I need these FRAUDULENT ACCOUNTS REMOVED! THEY AGREED TO REMOVE THE FRAUDULENT INQUIRIES BUT NOT THE FRAUDULENT ACCOUNTS! Please help in making sure Equifax is allowing all races a fair credit reporting rights!
Consumer complaint received 2017-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NJ)

I became aware of the XXXX XXXX program when XXXX XXXX initiated the program. I was told all I had to due was make payments for 10 years with a public service job. At the time there was no talk of a qualifying loan program. I made my payments on time with out question for about 9 years. When it came time for my loans to be forgiven there was talk about a qualifying program. It is documented that I was in so called qualifying plan before I heard about the loan forgiveness program. I was advised that all I had to do was make payments for 10 years with public service and my loans would be forgiven. In the XXXX hour I was duped and came to realize that after 10 years my payments amounted to nothing. I was duped into changing my so called qualifying plan to an ineligible plan by the loan provider and when it came time for loan forgiveness the rules were changed!!!!!!!!!
Consumer complaint received 2024-11-07
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. (WI)

My accounts with XXXX XXXX XXXX  XXXX XXXX AND XXXX were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX  XXXX XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2017-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

I have made numerous attempts to resolve this matter with this debt collector. They notified me that they no longer serviced the account, then they later submitted documents from XXXX XXXX that clearly state " THIS IS NOT A BILL. '' They have not proved that I owe these bills, nor that I am the one responsible for receiving these services. 

I filed an identity theft complaint with the Federal Trade Commission in XXXX and there have been numerous unauthorized accounts not created by me. I am awaiting the results of this investigation before filing a complaint in my local courts.
Consumer complaint received 2024-11-07
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. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (UT)

I am filing this complaint for because XXXX has ignored my request to provide me with the proper documents that their company has on file and they are saying that they verified accounts but its been over 30 days and they still have n't sent me the correct information. I sent out proof that I traded in a car on XXXX and they are still showing a missed payment for XXXX causing damage to my credit. I 've made several attempts to resolve this issue but they continue to send me the incorrect proof of verification. XXXX  confirmation # XXXX, XXXX file case # XXXX, and Equifax confirmation # XXXX Under section XXXX XXXX XXXX ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed.
Consumer complaint received 2017-10-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (CA)

In XX/XX/XXXX my Heloc was transferred to 21st Mortgage Corp . I started making my payments to 21st Mortgage Corp by autopay as i was with the previous financial institution. I have never ever been late on any of my debt this includes my mortgages, car loans, credit cards, my credit is outstanding and always has been. 

OnXX/XX/XXXX 21st Mortgage withdrew my payment but did not post it because i was in the middle of a loan modification. They told me that my payments would not report late as long as i keep making my payments, which i did, never went late. I have asked 21st Mortgage Corp to make the correction, they said they would look into it and get back to me, i have yet to receive a response
Consumer complaint received 2024-11-07
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. (FL)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

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 1691i ( 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 shall ( i ) 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2017-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (UT)

This complaint is regarding cancellation of our Mortgage Insurance Policy. 
We purchased our home XX/XX/XXXX for {$210000.00} ; loan amount {$200000.00}. Because we did not have a 20 % downpayment, we were required to have Mortgage Insurance. All payments have been made on time. As we approached the two year mark on our mortgage, and after extensive renovations, we asked XXXX ( our servicer at the time ) how to have the mortgage insurance dropped. They asked us to provide a list of the renovations to see if we had enough improvements to get to a 20 % equity position, then they told us we would have to pay for an appraisal to determine the current value. 
XX/XX/XXXX we paid {$420.00} to XXXX for the appraisal. XXXX ordered an appraisal and XX/XX/XXXX the appraisal was performed by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, UT. The appraisal came in at {$280000.00} -  much higher than the required 20 % LTV required to cancel the XXXX. This should have been the point where the XXXX  was dropped, however XXXX was now in the process of transferring our loan to Freedom Mortgage. We asked if the appraisal & XXXX  cancellation process would be affected by the transfer ( spoke with XXXX XXXX XX/XX/XXXX ) and she said the XXXX would be dropped before the transfer took place - so we proceeded with the appraisal. The cancellation did not happen. 
Our loan is now with Freedom Mortgage, {$190000.00} balance. When the billing came for the XX/XX/XXXXpayment, XXXX was still included. We faxed a letter to Freedom Mortgage XX/XX/XXXX ( per XXXX ), along with a copy of the appraisal. The response from Freedom Mortgage was a form letter saying we needed to provide an appraisal from an appraiser of their choosing. When we called to speak to someone about this ( twice ), Customer Service would NOT provide anyone to speak with - they just shut us down and said our call could NOT be transferred to someone regarding PMI, that Customer Service is the only place we can have a conversation.
Consumer complaint received 2017-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed with all three credit reporting agencies on TEXAS ATTORNEY GENERAL OFFICE in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX certified mail and fax. I have included proof that I have never been late on the account. This is n't even supposed to be reported because child support is XXXX XXXX which is not a loan. I provided proof that I have never been late and documentation showing them that they are not suppose to report it because the TEXAS ATTORNEY GENERAL OFFICE does n't give out personal information to include SSN or anything related so there is no way that they should have reported VERIFIED through that electronic system that lacks integrity. XXXX was reporting right by reporting never late and then they changed it and the same for XXXX. I am contacting you to prevent from pursuing any legal action in small claims, state, or federal court which I am prepared to do if this matter is not resolved by these two reporting agencies.
Consumer complaint received 2017-10-30
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

This complaint is against Penny Mac Loan Services. 

Last year my house flooded due to a pipe break caused by a storm. At the time the insurance company underpaid the insurance claim by over {$60000.00}. It took a year to get resolved but we finally got a settlement for {$32000.00} on XXXX XXXX XXXXXXXX. On XXXX XXXX XXXX I called Penny Mac to state we received our settlement amount and that we had completed all repairs. At this time we were currently going through mortgage modification. 

I called in on XXXX to inform Penny Mac that we have a settlement but no checks yet. I asked to have an inspection on the home since we completed all repairs on the home. At this time I was told they could not send out an inspector until we received the checks. At the time I joked and said " I hope a storm does not come through and redamage the home. '' Hurricane XXXX hit and damaged the home with rain water intrusion and broken windows. I received the insurance checks on XXXX. I contacted Penny Mac about releasing the funds to me. It was denied because they wanted to do an inspection. I told them the work had been completed already. 

I have been having weekly conversations about the exception to have our check endorsed. Penny Mac was inconsistant with the needed documentation. We provided everything we could over a 30 day period. Finally on XXXX XXXX we were told that we can get the check endorsed as long as we sent over the settlement documents and the check with a prepaid envelope. We followed the instructions but this was just a ruse to get us to send in the check. Once we sent in the check we were told that it was not going to be endorsed and sent back. That the funds would be paid out AFTER ALL THE NEW DAMAGE WAS REPAIRED. 

Because they told us that they were going to endorse and send back the check immediately we moved forward on other options within our home and used reserve funds to get things completed. Now it could take months or years to get our money back from the bank. 

This is currently causing a loss of {$14000.00} per day for my business because I do not have the funds that should be mine.
Consumer complaint received 2017-10-30
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

On XX/XX/XXXX, I was given Durable Power of Attorney, both financial and medical, for XXXX XXXX XXXX. He has been diagnosed with XXXX XXXX and other illnesses. He has a reverse mortgage on his home with Champion Mortgage. Their contact information is as follows : XXXX XXXX XXXX, XXXX, Texas XXXX. Telephone ; XXXX. I have been trying to be acknowledged by this company since XX/XX/XXXX, with no success. I have sent them my power of attorney and addresses, and they still refuse to send me XXXX 's statements or any information regarding his account. It 's almost XXXX and they continue to tell me they do receive my faxes or it 's in 'process '. Last week his caregiver called with a letter he received that threatened to bill him some {$2400.00} for homeowners insurance, since his has lapsed. This is not true. I have all his accounts current including property tax and homeowners coverage. I have been told his account is in default and they threatened me last week with foreclosure. To date, they refuse to send me his statements. I have talked to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and today, XXXX, supposedly a supervisor. I faxed all my information to him again using two fax companies with a note to please call me with confirmation that he received everything. He still has not called to confirm. I need your help.