davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-15
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION (FL)

I have a residential mortgage loan currently with CIT Bank and previously with One West Bank and before that with IndyMac Bank as each bank was bought up by the other so they are now " bigger '' than " too big too fail '' putting our country in grave danger that their corrupt practices will cause them to come begging for another XXXX dollar tax payer bail out. My loan originated in 2007 with Indymac Bank and for the term of the loan multiple copies of the proof of insurance for my condo building was sent to the bank over and over and over and each bank claimed they did not receive the faxes and mailed copies and thus, each bank threatened to place extremely expensive insurance on my condo even though they were provided mulitiple copies of the insurance declaration page, year after year, proving that the insurance coverage was uninterrupted year after year. In talking with these bankers, it is clear that they have a deliberate and malicious protocol to wear borrowers down by continually telling them that they have not received the multiple copies of proof of insurance so that they can force place grossly overpriced insurance that creates another profit source for them at the expense of the borrower who already has insurance. THERE IS A PATTERN TO THE BANKS CORRUPT AND AMORAL METHODS AND PROTOCOL AND IT IS CLEAR THAT THE EMPLOYEES ARE DIRECTLY GIVEN INSTRUCTIONS TO " LOSE '' OR " SHRED '' THE PROOF OF INSURANCE THAT WAS FAXED OR MAILED IN FOR MY HOME REPEATEDLY EACH YEAR FOR APPROXIMATELY 10 YEARS. NEVER ONCE WAS THE INSURANCE FOR MY APARTMENT BUILDING EVER NOT IN FULL FORCE AND EFFECT YET I HAVE RECEIVED THREATENING LETTERS BY THESE BANKS CLAIMING THAT THEY HAVE NOT RECEIVED THE PROOF OF INSURANCE AND THEY WILL GOUGE ME BY FORCE PLACING INSURANCE. PLEASE STOP " CIT BANK '' WHO CONTINUES THIS TRADITION OF CORRUPTION AND THIEVERY. ALSO, AS A BANK THAT IS BACKED BY THE FEDERAL GOVERNMENT, HOW IS IT EVEN LEGAL THAT CIT BANK DOES NOT PUBLISH ANY INFORMATION ON ITS EXECUTIVES AND IT ON DOZENS OF CALLS THEY REFUSE TO DISCLOSE THE NAME OF ANY EXECUTIVES, INCLUDING THE CEO.
Consumer complaint received 2016-08-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (LA)

I have previous dealt with this back in 2014 for different companies trying to collect a debt for XXXX credit card, which I have never had one. I have a letter from XXXX stating that I have never had an account with them, but these companies will still not leave me alone. 
Attached please find all my previous dispute letters, letter from XXXX stating that I have no account with them and the newest demand and dispute letter.
Consumer complaint received 2024-10-10
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. (CO)

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.
Consumer complaint received 2016-12-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (PA)

I began receiving phone calls XXXX days ago Caller Id states XXXX or unknown No one leaves a message on my voice mail so I looked up the number on the internet and it is id 'd as a cell phone I called the number and they claim they are Central Credit Services which are located in XXXX Today the phone rings and they ask me to verify my social security number to them which I refuse to do. They then say they are collecting on a Loan I owe to XXXX. Over 15 years ago I had a loan with XXXX XXXX who became XXXX. After paying off XXXX of the loan XXXX told me I could get a deferment They charged me {$20.00} to put my payments on the end of the loan and after three months claimed I was in default The loan was never payed off. I tell Central Credit Services " Why do n't you sue me? '' their reps reply is they ca n't because they do not own the loan. " Well '' then I ask " why would I pay you for it? '' She answers " because I work for XXXX '' I reply " you just told me you work for Central Credit Services! '' The rep tells me to hold on and a man gets on trying to be more forceful.He also tries to get me to verify my private info. I ask him to stop calling me with no caller id and leaving no messages on my answering machine. He replies he does n't have to stop and it is not against the law. I told him it is harassment and I will report him. I then hung up.
Consumer complaint received 2016-08-16
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: D.B.M.E., INC (CA)

Dutchess Adjustment Bureau sent me a letter on XXXX XXXX and indicdates that my account with XXXX is past due. I have Writtent to XXXX and ancelled my membership several times and emailed them at least XXXX to cancel and now these guys sent me a letter of collection of debt, however the letter says if I do n't believe I do n't owe money I have 30 days to communicate with them. And I did. But no one answers their Phones or calls you back. I called 4X and left several messages with my information and noted my account but no one ever contacts you. They are dragging this so it pasts 30 Days and so they claim would be valid. But there is no other website or email address to contact, only a number that no one answers.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This account has been falsely and inaccurately reporting to all three credit bureaus it had its listed as open on my XXXX report and closed on the other two credit reporting companies. This company has sold it to a debt collector and still reporting late payments and causing defamation of character. This is affecting my everyday life and this need to be resolved immediately and need to be taken off my credit report.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MD)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-31
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. (OH)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXXXXXX 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 XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Consumer complaint received 2015-08-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (DE)

For the past two years, I 've been trying to resolve a payment issue with Green Tree Servicing LLC. Green Tree continues to state that I 'm past due when I made good faith attempts to research the payment in question and made payment arrangements. Green Tree does not acknowledge the fact that payments were received and credited as a result of the payment arrangement. In addition, I was advised to send a specific amount that was past due. A certified letter was sent XXXX XXXX, 2014 and the past due amount of {$840.00} was sent to bring the account to a current status. I thought it was resolved and current based on the information provided only to receive additional letters stating that the account is past due. How is that accurate when a bank representative sent a letter with the amount that was due? I do not want to be held responsible for a banking error or mistake. Green Tree should acknowledge it, be responsible and held accountable. Also, Green Tree felt it was necessary to refer to all the correspondence sent between the XXXX of us and re-read them as they continue to stand by their responses. I noticed that I had a copy of another Customer 's letter in my packet. I have the customer 's name, address, phone, account number, email addresses, and nature of their inquiry. I think this is a private and sensitive matter. The careless act of including another customer 's correspondence is a serious matter that requires immediate attention as I continue to question Green Tree 's data integrity and commitment to quality service.
Consumer complaint received 2015-05-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NV)

I have disputed this problem with the XXXX major credit bureaus and they have not compliedI have a Bankruuptcy Case # XXXX and it was dismissed but the XXXX major credit bureaus will not remove this item from my report. I am seeking the assistance from the CFPB to help with this matter.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2016-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

XXXX, Account # # XXXX. 
After a thorough review, it 's my understand per the attached correspondence from XXXX dated most recently, XXXX XXXX, 2016, that pursuant to the request of XXXX XXXX, 2016 ; Equifax was advised to correct the records to read as, '' closed due to bankruptcy, paid in full or paid as agreed ''. As such, as you can see from XXXX correction of XXXX, 2016 via the CFPB, that the corrected status based on standardized credit reporting codes are simply ; Closed, paid as agreed/paid in full ''. 
The creditor in reference here, is not reporting your coded " In Payment Plan ''. In fact, the attached written reply from XXXX ; confirms that XXXX was never included in my bankruptcy, notwithstanding that said bankruptcy was discharged on XXXX XXXX, 2016. 
Please correct/delete the above mentioned agency adverse reporting with immediate effect. 
Please confirm this correction in writing. 
Thank you.
Consumer complaint received 2024-09-18
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. (NY)

This morning, I was completely taken aback when I found errors on my credit report, with no explanation as to how they appeared. Ive checked my report as usual, but for some reason, there are discrepancies that Ive never seen before. I refreshed my browser, thinking it was a mistake, but the incorrect accounts stayed there. I really need the documents Ive provided to be carefully reviewed so I can stop worrying about this issue for good.
Consumer complaint received 2023-05-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-07-06
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: EQUIFAX, INC. (CA)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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 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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-01-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

I am writing to you because I have no other alternative. I can not stand for my rights to continue being violated by Pennymac Loan Services LLC. 

The root of the situation is that Pennymac Loan Services is reporting my mortgage opened on XXXX XXXX, 2012 as Status - Account included in Bankruptcy. THIS ACCOUNT WAS NEVER INCLUDED IN BANKRUPTCY. 

The Chapter XXXX bankruptcy that I filed was a business bankruptcy and the discharge did not include any of my personal accounts. 

The credit bureaus keep telling me that they ca n't change the " Status - Included in Bankruptcy '' tag, because they say that it was reported to them by Pennymac. 

I have provided documentation to Pennymac for over a year, just to fall on deaf ears and not have any of my calls returned. 

Pennymac has treated me like a second class citizen and has completely disrespected me at every turn. Because of this experience, I feel like I have been maliciously violated and deeply wounded by Pennymac. 

Having this mortgage incorrectly say that it was included in bankruptcy is stopping me from getting a small business loan needed for my business to operate. This is like pouring salt into the wound. 

I am begging you to demand that Pennymac Loan Services send me a letter of apology for these violations of my Civil Rights. 

Additionally, please have them immediately remove any reference to Status - Included in bankruptcy from my consumer credit files with XXXX, XXXX, XXXX and XXXX credit bureaus. 

Thank you VERY much for existing to help the " little guy '' in this world. I very much wish that there were more of you. 

Please notify me immediately of the positive results of your investigation. 

It is my wish that you have a very safe and happy new year! 

Sincerely,
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In my XXXX XXXX account my transunion and XXXX score went down because it says i missed payments with my student loan with XXXX XXXX, I never went to school here in the XXXX and never used a student loan at all, not even when I was in XXXX, where I did a fe months of school I never used student loans at all.
Consumer complaint received 2023-06-27
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. (MD)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2016-06-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

In XXXX 2015, I had a broken water line under my sink, which flooded my kitchen. I opened a claim with my insurance company, but due to the amount of the damage, was required by my servicer, PennyMac Loan Services LLC, to sign over the loss draft to them to be placed in a " restricted escrow account, '' and they would disburse the funds in stages throughout the completion of the work. My mortgage balance is approximately {$87000.00}, my property value is approximately {$550000.00}, and the loss draft totaled approximately {$12000.00}. I have never been late on a payment. From the very beginning, PennyMac gave inconsistent and incomplete directions on what steps I needed to take to receive disbursements ; at every conversation with their representatives, I got different requirements ; or upon providing the requested documents, PennyMac would add a new and additional requirement. At one point I was even told that in order to disburse a portion of the funds, I would be required to have an additional inspection ( at my cost ) to certify the refrigerator and washer/dryer were plugged back in and functioning! Their behavior in the loss draft department is unfair, abusive and deceptive at every turn.
Consumer complaint received 2015-11-10
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (NH)

I was sent a letter in the mail stating I could be approved for a loan of {$6000.00} by XXXX XXXX XXXX. I went down to the bank to apply for the loan and I was denied. Upon further investigation I discovered that XXXX XXXX XXXX had requested my credit report XXXX times prior to them sending me a loan offer on the dates of ; XXXX XXXX of 2015, XXXX XXXX of 2015, as well as XXXX XXXX of 2015. I did not authorize any of these checks into my credit and I refuse to allow their inquires to have a negative impact on my credit score. The representatives at their location was incredibly rude and argued with me despite the fact I have the information on paper right in front of me stating they pulled my credit score on those dates. I can be contacted by phone at XXXX or XXXX. I can also be reached at XXXXXXXXXXXX. I will do anything in my power to dispute these unauthorized checks into my credit score and I would also like this information to be passed along to the XXXX as this has been done illegally against my will. Please contact me if you need any information from me in regards to this matter as I will be more than happy to provide it to you.
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

On XXXX XXXX I disputed a collection account from XXXX and demanded validated proof under FCRA s. 611 ( 5 ) ( a ). 
On XXXX XXXX Experian responded that " account remains '' without any further explanation or proof. 
On XXXX XXXX I wrote a letter stating that improper investigation was conducted, and that they failed to provide me with a copy of documentation, under section XXXX ( a ) ( XXXX ) ( A ). 
On XXXX XXXX Experian responded that they had previously processed the request. Again, no proof of anything was presented.