davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-10
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

Our house burned down on XX/XX/2016. We were covered by XXXX, who, according to the terms of our policy, sent most of the money to our mortgagor. XXXX Mortgage XXXX received {$190000.00} of our money. XXXX held on to our money for a month, never releasing it to us, then sold our mortgage to Nationstar Mortgage. I had to go through the whole process again to get my money released to me. In the meantime my builder was ready to walk off the job of rebuilding our house because he was n't getting paid. I finally got all of my money except for {$7800.00}. Nationstar said that they had to send out an inspector to " protect their investment. '' I advised them that the house was completely rebuilt and that I had a XXXX of XXXX. They said they could n't trust that!!!!! The original inspection was ordered on XX/XX/2016 ; I was never called. On XX/XX/2016 I called again and was advised that the inspectors had our wrong phone number. I told them to call me on my cell phone since our house phone was set up yet. On XX/XX/2016 I called again and was advised that no one answered the phone to set up the appointment. The number they were calling was our old house number that was disconnected. I was assured that the inspector would call us to set up an appointment on XX/XX/2017. As of today, I have not received any calls. These inspectors are not capable of making a single telephone call, how are they capable of doing an inspection? The way we have been treated is disgraceful.
Consumer complaint received 2024-10-17
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. (OH)

I have been a victim of identity theft. I have noticed some unauthorized accounts on my credit reports I did not benefit from. This also includes XXXX XXXX  collections accounts I have no knowledge of. I never authorized XXXX XXXX XXXX to release my records to any collections company, which is XXXX and a violation of XXXX. This is also hurting my chances at obtaining a mortgage. I need this fraudulent account removed immediately.
Consumer complaint received 2016-03-30
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

XXXX took over our mortgage in 2013, upon doing so from XXXX XXXX they started telling us we owed monies, and we were not behind at that time we knew we were not. They threathened us with forclosuer on our home. We paid them x amount of dollars to make our loan current, XXXX had our mtg. for about 1 1/2 to 2 years. We were ordered to pay different amounts through out the term of them having our mtg, They put money that we sent them into a suspense payment account, as far as we know those monies were never put towards the payment of our loan not was the money refunded back to us. They said we had to put more money towards those payments to make a full mtg. payment. We sent them XXXX several different times and no matter how much we sent them they always said we owed them something. They would charge us late fees upon late fees, charge us for people coming to our home to make sure we lived at the property listed. I stay at home, I am here 24/7 never has anyone knocked on our door, nor has anyone walked the property to make sure we lived at the address XXXX took money from us that we could not afford to give them but we paid it to keep our home. One moth they would show us current the next month we owed serveral XXXX to tbhem because there was always somthin g they woukld come up with showing us we owed the money. We asked several times for documentation to show us what we owed but never received anything. Our lives nd our credit has been effected by XXXX and how they handled our loan. XXXX sold our loan to Seterus Inc. Seterus Inc.is a nightmare and they did us the same way. they started out telling us we owed money for back mtg payments, that our taxes had to be paid, they had to pay our insurance. We in turn did the same thing, we struggled to make our payments they say we oed but we did it. Seterus went into my personal account at one ti e and withdrew money without permission or our knowledge and overdrew our account. They said they would pay those fees the bank charged but to this date we have not received anything from them.. we are current with them at this point but now they are charging us late fees upon late fees and we are not going to pay them. we will pay our mtg payment but I will not pay fees they say we owe for being late. They threatened us with foreclosuer and as long as our mtg is paid they will not get anything else from us. I am XXXX years old and they have made my life a living XXXX. We owe XXXX and our home value is XXXX How can they be allowed to harass us on a monthly basis 's when we pay our monthly mtg payment. They need to be investigated and stopped.
Consumer complaint received 2015-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (PA)

I received an email yesterday from my homeowners insurance company ( XXXX XXXX XXXX XXXX ) ; stating that there had been changes made on my policy. I then emailed my agent requesting whom had made changes and that I had not given anyone authorization/permission to change anything on my existing policy. My agent emailed me back and stated that PNC Mortgage, had requested that all bills be submitted to they for payment. HOW DARE PNC MORTGAGE MAKE THIS REQUEST WITHOUT. MY AUTHORIZATION. This is my homeowners policy that I opened and was paying on. XXXX can verify that I was paying my payments timely. Last year PNC Mortgage was charging me for their insurance coverage when I had XXXX and I was never refunded. PNC Mortage has taken my mortgage payments and applied them to my insurance ; then I would receive letters stating that my escrow account had a shortage ; then interest and fees were applied when I have receipts showing that my mortgage payments were timely. Then PNC would report my payments as late and send a report to the credit bureaus. I have lived in my home for 21 years and NEVER have my previous mortgage holders ( XXXX XXXX ), have ever tried to control my homeowners policy. XXXX XXXX would only request a copy of my declaration page to show that I had coverage. I an tired of PNC Mortgage doing whatever they want to my mortgage account and I want them to STOP!! PNC Mortgage treats me as if I have 'NO RIGHTS! ''
Consumer complaint received 2017-06-22
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. (FL)

The credit bureau is reporting three accounts on my credit that do not belong to me. Two of the accounts are under the company " XXXX XXXX '' and the third account is under the name " XXXX XXXX ''. The account numbers are " XXXX '', " XXXX '', and " XXXX ''. I have sent disputes to delete these accounts from my report on XX/XX/17, XX/XX/17, XX/XX/17 and nothing has been done to properly address my concerns. I have only received generic letters from the bureau telling me the information has been verified and that I need to call these companies. I am filing this complaint because I have already spoken to these companies and they can not pull up records that match my personal information. The credit bureau is placing other persons ' accounts on my credit and it is most likely due to my common name. I am not the XXXX XXXX who opened these accounts, I do not have unpaid debts with these companies and I have never received any bills or mail from them in the past.
Consumer complaint received 2015-05-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation (IL)

I have been a victim of Identity theft as a result several accounts were opened in my name. I have filed a police report and sent it to collection agencies letting them know the debt is not mine but they still report me negatively to the credit bureaus and have not responded to me yet within the 30 day time period.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I was looking over my report and I noticed several inaccuracies pertaining to this account. This account is hurting my ability to obtain credit. Its my understanding that the credit reporting agency will investigate this account for me to ensure accuracy. I would like for you to note that all accounts that are references are EXACTLY as it appears on my credit report that your company has reported. 
Please correct or delete this accounts immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2016-09-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (GA)

Credit Bureaus need to be held accountable for their neglect and I want violation penalties accessed and awarded to avoid additional litigation and hardship that will be placed on the courts and myself. The XXXX adverse items on my credit report has caused me extensive damage and financial hardship. Despite Federal / State law and numerous request for the credit bureaus to delete and disregard the negative items and balance owed on all accounts reported by XXXX XXXX XXXX previously XXXX XXXX XXXX they have refused to comply. Litigation Case XXXX. The Judge ruled against bank for possible Mortgage Fraud, all payments and funds are held in XXXX County Superior Court.
Consumer complaint received 2015-07-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (IA)

On XX/XX/XXXX our mortgage was transferred by XXXX XXXX XXXX M & T Bank/XXXX. Since that date, I have made every payment on my mortgage. I have not received a statement from either entity acknowledging my payments or telling me how the money was allocated. I did get an incorrect statement from M & T in XXXX, with a corrected statement regarding what I had paid in interest and property taxes that actually indicated what my mortgage balance was. I applied for mortgage modification last XXXX and made the indicated trial payments on time. When I got the information for modification, there was NO reduction of the 6.375 % interest rate, simply the offer of a new 40 year mortgage. This was not at all satisfactory and our bankruptcy attorney said to not return the document. ( we filed for Chapter XXXX bankruptcy XX/XX/XXXX ) I have received several calls from XXXX re. the modification and told each person it would not be signed or returned XXXX weeks ago I had a letter from XXXX telling me that the modification had been denied since it had not been returned on time. This letter also said we had been " conditionally approved for the following liquidation options : Sell the Property, Short sale or Deed in Lieu of Foreclosure. It also indicated that if I did not complete a list of documents within 37 days, foreclosure proceedings would be taken. I am NOT behind in my payments nor have I missed any. I do NOT know where I stand with my mortgage and I now feel very threatenedby what these XXXX entities have done and not done. This has seriously affected my health because my XXXX had to increase my XXXX XXXX meds. I have formally send requests to both entities to send me complete accounting of my account - they have ignored the request. I need help. I do have documentation of times of phone calls and can make copies of all paperwork that I have received. Thank you for your help What I want is a reduction of my interest rate and I want a full accounting of every bit of money I have paid them and a stopping of letters that threaten foreclosure.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

i disagree with the account listed below which still appears on my credit report, I would like this item immediately re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX, WITH A REPORTING BALANCE OF {$460.00}. ) in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is XXXX
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (FL)

I had brought this issue up many months ago. After investigation I was proven correct with PNCs system being inaccurate or misleading. Months later clearly the issue is NOT fixed as promised by their executive reps and continue to charge overdraft fee NOT according to their own notifications. 

PNC offers a service call XXXX XXXX mode where it gives you extra time to deposit or transfer money to cover overages. The system will send you emails and let you know exactly how much time left before they either return or assess a late fee. 

On XX/XX/XXXX I had items that came into my account. I had previously schedule a transfer due to the hurricane and spottym service the deposit arrived at XXXX on XX/XX/XXXX instead of XX/XX/XXXX. 

On XX/XX/XXXX the XXXX PNC notice I have till either XX/XX/XXXX XXXX PM or! XXXX PM to deposit funds. 

As of XXXX XX/XX/XXXX a deposit was made to the account to cover all the charges. My two account are link where the funds from one account automatically credits the other when every there is a charge. 

Through out the day of XX/XX/XXXX. PNC process items in the account and decide to charge me an over draft charge on 1 item claiming I did not have enough money in my accounts on XX/XX/XXXX. During the entire day of XX/XX/XXXX there are more than adequate funds for all charges. They claim they process at XXXXXXXX XXXX XXXXXX/XX/XXXX and I didn't have enough funds which is incorrect. There are plenty of funds in the linked account to cover any charges which SHOULD be moved over to cover any insufficient charges. 

On XX/XX/XXXX they decide to change me a over draft 24 hours after the deposit was made/ I spoke to 2 individual on XX/XX/XXXX. Clearly explaining the issue as well as previous incident where there were research done to find the system to be inconsistent. Instead of crediting the fee, PNC representative chose to argue and fight for over 30 minutes. The argue and fight as if it money coming out of their own pocket. 

Please note I have not had an over draft fee this entire year. I am not asking for a credit because I have no funds incoming. I stated this was purely on principle of being incorrectly charged. PNC rather aruge and fight instead of assess the situation and address the issue. 

I have been with PNC since they open in Florida and they continue to prove to me they will not do anything for me other than charging me fee when they can is why I am gradually phasing out my banking away from PNC. These desperate attempts at nickel and dime a member is for a lack of better word DESPERATE.
Consumer complaint received 2016-05-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Io, Inc. (VA)

Receivables Management Systems ( original creditor is XXXX XXXX ) continues to report I owe them money, however this account does NOT belong to me. I have asked them to remove this several times, it was removed on XXXX XXXX, 2015 & was put back on my credit report in XX/XX/XXXX.
Consumer complaint received 2024-10-17
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. (MD)

I am writing to dispute several hard inquiries that appear on my credit report, which I did not authorize. These unauthorized inquiries are negatively affecting my credit score and hindering my ability to obtain a mortgage and other forms of credit. I have already sent letters to the creditors listed below to dispute these inquiries, along with a copy of my ID and SSN to verify my identity, but I have not received any responses. All so Affidavit is attached to this Complaint. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Address that's not mines please deleted listed below. only real address that is mine is the XXXX on my ID ( see attached 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 2016-01-21
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A. (CA)

Brooks Brothers Credit Card, which I believe is currently issued and serviced by Citi Group, has incorrectly reported a negative remark and has not taken actions as promised by its representatives. It is my understanding that the Citi Group has acquired or taken over Brooks Brothers Credit Card accounts from its previous servicer sometime in the XX/XX/2015, XXXX or XXXX. 

Unfortunately and in fact, ever since the account transfer to the Citi Group ( which I did not know that it did ), I did not receive any correspondence including but not limited to billing statements, emails, and a new card. My log-in did not work with the site and I had no reasonable ways to contact the credit card servicer during my business trip in XXXX. Thus, when I came back I immediately called the Citi Group after finding out that the Citi Group acquired my account. When I spoke with the representative, the person completely acknowledged the mistakes and faults of the Citi Group for failing to deliver necessaries to my attention and then refunded me a late fee with assurance that I would not get any negative remarks from this. After getting my late fees removed, I called back to make sure that I would not get any negative remarks on my credit report and at then, other representative also assured that I would be fine and without any delinquency/late and/or other negative remarks. 

However, several weeks later I was able to locate that there was a negative remark stating that I was 30 days late. I called back to confront the issues and ever since then, the Citi Group has changed its words and is now saying that the reporting is valid. Even some of their representatives are urging me to write and report what I have experienced. The Citi Group has dropped the ball and they should be responsible in fixing the issue. The Citi Group is acting in deception and fraud as they are not abiding by what their representatives have assured and guaranteed. 

Furthermore, I believe one of the main issues here is that when the transfer or acquisition was made by the Citi Group, they did n't notify their customers properly. Therefore, it is my belief that some account holders actually were confused and did n't know about the acquisition. Moreover, it would be extremely prejudicial for an account holder who NEVER had any late or otherwise negative remarks on his account ( account holder for almost 10 years ) to be penalized when it was clearly a banking error done by the Citi Group.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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: TRUSTMARK CORPORATION (MS)

Dear XXXX XXXX, I am writing to formally demand that you immediately cease and desist all unauthorized activity related to my personal and financial information. This letter serves as a formal notice that your actions constitute identity theft, securities fraud, and fraudulent conveyance, and have resulted in the unconstitutional taking of my private property without just compensation. 
Account Extinguishment and Restitution I demand the immediate and complete extinguishment of all accounts, both public and private, that have been fraudulently created or accessed using my personal information. All proceeds derived from these accounts must be returned to me, the rightful owner and taxpayer. 
Accounting Standards and Legal Violations The fraudulent creation and use of these accounts violate multiple accounting standards, including those outlined by the XXXX XXXX XXXX XXXX ( XXXX ). Specifically, the unauthorized use of my identity to create and access these accounts constitutes identity theft, a federal crime punishable under 18 U.S.C. 1028. Furthermore, the use of these accounts to engage in securities transactions without my consent constitutes securities fraud, which is a violation of federal securities laws. 
The fraudulent creation and use of these accounts also constitute a fraudulent conveyance, as they were created to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers. 
Unconstitutional Taking and Involuntary Servitude The unauthorized use of my personal information to create and access these accounts has resulted in the unconstitutional taking of my private property without just compensation. This violates the XXXX XXXX to the United States XXXX. Additionally, the forced labor and financial burdens imposed on me as a result of these fraudulent accounts constitute involuntary servitude, a violation of the XXXX XXXX to the United States XXXX. 
XXXX of XXXX and XXXX of Rights The actions of your organization and its agents have been carried out under the XXXX of law, which is the appearance or use of lawful power to mask an illegal act. By using government authority to access and control my financial information without my consent, your organization has deprived me of my inalienable rights, in violation of XXXX XXXX. XXXX.