davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (NY)

My current servicer, faye servicing, has not provided me with my annual escrow statement. I am in an active chapter XXXX bankruptcy. My lender has an authorization on file from my attorney to speak to me about all aspects of My loan. Despite being in an active chapter XXXX, I get a call from a representative requesting me to make a payment on the loan every month. I do make my payment every month, however, as there is currently no penalty, I make it towards the end of the month. When the person called me this month called for payment, they mentioned that the amount was {$2600.00}. My PITI is {$2000.00} so I was very surprised to hear this. The associate mentioned that there was an escrow analysis done in XXXX and I had a shortage. This does not make sense to me as my taxes have decreased every year since Hurricane XXXX, as my home had been damaged by the storm. My flood insurance increased by {$300.00} annually. This does not warrant a {$6000.00} annual increase. I am demanding an out of cycle escrow analysis and also to be sent a copy of this. I am requesting any reserve requirement to be removed. While I understand that RESPA allows lenders to collect a reserve of 16.667 % in NY, I also know that if I request it to be removed, it must be. If there is a shortage, I am requesting that shortage to be spread over 60 months interest free, also allowed by RESPA. I am also requesting a payment history from when Faye acquired my loan until today, as I need to verify how they have been applying my payments. On top of this, I had completed a HAMP modification in XXXX 2011. As part of this I am supposed to receive an annual incentive applied to my prinicipal I the anniversary of my modification for the first 5 years of the modification.. Last year I had to ask for them to do this, otherwise I believe they would have kept the money for themselves. 
Please note that in no way am I experiencing a hard ship or requesting any financial assistance and do not want my payment dispute to be confused in any way. I simply need to ensure that this lender adheres to all requirements of a lender and provide me with the documentation that they are supposed to. I also do not want a XXXX Line generic response, as they provided in response to my last complaint. Or a rude response as my so called account manager XXXX ( sp? ) has provided. I look forward to hearing back. I can be reached at XXXX.
Consumer complaint received 2015-08-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Van Ru Credit Corporation (DC)

Since I received my current home phone number 12 years ago, I have received periodic calls seeking a previous owner of the number who owes a debt. Most recently, I have received automated calls ( no human on the line ) for months from Van Ru Credit Corporation seeking this other person.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Account # XXXX Name of Account : XXXX XXXX  XXXX Subject : Urgent Request for Removal of Inaccurate Collection Entry Dear TransUnion Dispute Department , I am writing to formally request the immediate removal of an inaccurate collection entry currently being reported on my credit report. I previously disputed this entry with TRANSUNION AND both XXXX and XXXX, and they have both confirmed that this collection was deleted from my credit reports due to its inaccuracy. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of my credit information, and as you are aware, TransUnion is required to comply with FCRA regulations. Specifically, the FCRA mandates that when a dispute results in the deletion of an entry from one credit bureau, other bureaus must reflect the same updates to ensure accuracy across all credit reports. 
The relevant sections of the FCRA that you are currently in violation of include : FCRA 611 ( a ) ( 5 ) ( A ) : This section requires credit reporting agencies to delete or correct information that can not be verified as accurate.

FCRA 611 ( a ) ( 6 ) ( B ) : This section mandates that when information is found to be inaccurate or incomplete, it must be removed or corrected by all reporting agencies.

FCRA 623 ( a ) ( 2 ) : This section states that furnishers must ensure the accuracy of information reported to credit bureaus, and when a dispute has been resolved by one bureau, it is the responsibility of all bureaus to correct or delete the inaccurate information.

The presence of this erroneous collection entry is causing undue stress and potential harm to my creditworthiness. Therefore, I am requesting that TransUnion remove this inaccurate collection entry from my credit report within 10 calendar days of receiving this letter. 
Please confirm the removal of this entry in writing to the address listed above or via email at XXXX. Failure to address this issue promptly will compel me to consider further actions to protect my rights under the FCRA. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-20
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. (TN)

The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

I looked at my Experian credit report in XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/24 I sent XXXX, XXXX, and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-09-05
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. (GA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED!!
Consumer complaint received 2016-08-16
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (FL)

Both of my checking accounts with suntrust bank are in the negative at bo fault of mine as I 've been transferring funds from my checking account to ensure this type of thing did n't therefore it is the fault of the back for this occurring. Not only that I had overdraft protection setup to ensure this would never happen. Therefore I believe the bank has placed my accounts in this situation and I will not stand for this. Besides which I was never advised of any over draft fees on my savings accounts nor have I been explained as to what these charges are for. 
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Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 60 days 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 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 XXXX
Consumer complaint received 2016-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NJ)

I was placed in a Rehabilitation Program with Pennsylvania Higher Education Assistance Agency ( PHEAA ) for my Parent Plus Loan. I became XXXX in XX/XX/XXXX and was no longer able to make my monthly payments. Based on my income, I am required to pay {$5.00} per month. I submitted a form for electronic payments to be deducted from my bank checking account. I received a call in XX/XX/XXXX & XXXX XXXX stating that my payment was overdue. I paid the amount by telephone, and once again faxed the form for electronic payments in XX/XX/XXXX and XX/XX/XXXX. I received a letter from The Department of the Treasury in XXXX stating that XXXX % of my Social Security XXXX Check, and my Federal Income Tax return for XXXX would be used to offset my loan. When I called PHEAA I was told that the forms had never been received. After numerous calls to the help desk I was continuously told that the forms had not been received. In desperation, I contacted their legal department and was able to speak with a supervisor. I was told that the form had been received ; however, it did not indicate whether the account was for my checking or savings account. I was told that nothing could be done once the information had been sent to The Department of the Treasury. Consequently, I have been left in dire straits for the last 2 months because of the offset. I 've done research to find out if any complaints had been filled against them. XXXX complaints have been closed with the XXXX in the last 3 years. The help desk at PHEAA is difficult to reach by phone during their business hours no matter what time you call. The help desk provided no assistance and told me that the offset will end in XXXX months. Their responses are inconsistent with the information obtained by the supervisor in the Legal Department. I am unable to access my account online to verify the payments that have been received. Once again after faxing the electronic payment form in XX/XX/XXXX, I received a call in XX/XX/XXXX stating that my account was XXXX days past due. This time they were able to locate the form ; however, the offset is still taking place.
Consumer complaint received 2015-07-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Performant Financial Corporation (OH)

Performant recovery sent me a bill for the dept of taxation in the state of louisiana for the year XX/XX/XXXX. I filed a federal return for the year XX/XX/XXXX, and was supposed to get around {$2600.00} back. The state of Louisiana offset my federal return and applied the amount of my tax return to the amount that I owe the state of Louisiana which was {$3000.00}. I phoned the department of taxation through the state of Louisiana, and they were not able to return any information as far as my state taxes taking my federal return. I phoned the dept of offset, and they have records stating that my return was off set due to the dept of taxation for the state of louisiana. 

Now I am receiving a bill, from performant who collects for dept of taxation, and they want proof of my federal tax return being off set. The dept of taxation should automatically have that information. And on the back of the performant bill, performant is threatening to suspend my drivers license. I have the bill from them. They ca n't threaten a consumer 's driver license and have it suspended in order to collect a bill? Not to mention the fact, that the state of louisiana should of automatically received a letter in the mail, like i did, stating that my federal return was going to be applied to my state of louisiana XX/XX/XXXX return owed for that year. XXXX companies, ca n't seem to locate my information in reference to the offset. I also do n't see how performant is allowed to threaten consumers, with a valid threat of suspending licenses?
Consumer complaint received 2016-01-09
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

On XXXX, I discovered that Fidelty Creditor Service had placed an collection on my credit report. I called to find out who they are and what I owed for. Was told it was for a dental account. The manager XXXX XXXX called me a XXXX, a liar and a deadbeat that does not pay my bills. He refused to escalate this to his superior and provide me proof of debt. I tried to explain that I never recieved a call or any mail correspondence from this company. His response was we have a bad address you know about it now so pay your debt.
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (OK)

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 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2015-06-30
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AES/PHEAA (NY)

American Education Services in XXXX, PA failed to notify me of a delinquency on my son 's student loan ( I am a co-signer ) .They had previously called me of the delinquency and I called my son who said he would pay it. I had n't heard from them after that and I thought the matter was taken care of. It turned out it was not paid and I was never notified. Eventually 90 days went by. Without calling me or giving me a chance to pay the outstanding amount overdue 90 days, they sent the delinquency to the credit reporting agencies. Now have a negative entry on my credit report. Had they called me and advised me of the delinquency I would have paid it and avoided this problem. So now I have a negative credit entry on my record and they are refusing to correct it even after I filed for a correction.
Consumer complaint received 2016-02-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

I am a XXXX and have been for 28 years. I have a client who is selling her condo and we just learned that the mortgage company - Citi Mortgage has GROSSLY overcharged my client. I got an amortization schedule yesterday showing after 9 1/2 years the principal balance should be {$210000.00}. Her balance on this loan now, according to Citi Mortgage, after paying on time for 9 and a half years is still $ XXXX. The original loan amount was {$260000.00}. I am not a wizard, but with a 4.125 % loan - fixed for 30 years, there is no way her balance should be {$250000.00}. PLEASE do something to help investigate this as my client stands the risk of being sued now because she is $ XXXX short to close the escrow. We have had to extend escrow now so we can try to resolve this issue, but I called Citi Mortgage 3 times today and was just told to send in the info to " Research. '' The supervisor, XXXX, that I spoke to whose ID # is XXXX, would not give me any help and simply told me to send whatever I had into research where I fear the file will just go in the trash as it is clear no one there is willing or anxious to help investigate this matter. She did modify the loan in 2014 and got a higher interest rate ( which is the figure the lender based the amortization schedule on, but it somehow reduced her payment by about {$100.00} a month. She did not make the payment for 7 months during that process as instructed and so it was added onto the back end, but not {$38000.00}!! Something has gone wrong and we desperately need someone with authority to make this lender accountable. 
Here name is XXXX XXXX. WE, many people involved, would greatly appreciate any help you could offer. Thanks in advance for looking into this matter. It is extremely important that we get something done and FAST as we are quickly running out of time. 
Sincerely, XXXX
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (CA)

Macy 's - Repetitive phone harassment from various phone numbers. To include : XXXX ; XXXX ; XXXX. They call several times a day interrupting me at work. I know who they are and what they want. Calling 5-10 times a day does not change my reply ...
Consumer complaint received 2016-02-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Exeter Finance, LLC. (FL)

I am late on my car payment, that is obvious, but the car company calls daily 6 times, sometimes I will speak with someone and literally 5 minutes later I will get another call from someone else within the same company will call and I will explain that I just spoke with someone, yet they will continue to ask the same questions again, it seems as if they are looking for my reasons to change? They have been verbally asked to stop calling so frequently Additionally I submitted a written request to them through their own internal contact process a copy of this message is attached ; however this has not deterred them at all. The company is Exeter Finance Corp.
Consumer complaint received 2015-08-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX 2015 I applied for a principal reduction on my mortgage with Keep Your Home California. In XXXX 2015 I received a letter from Keep Your Home California stating that I had been approved. They stated that they would be electronically sending a check in the amount of {$43000.00} to Bank of America that would lower my principal balance by {$43000.00}. This money was posted by B of A to my account on XXXX XXXX, 2015. 
I have been trying to " recast '' my mortgage so that it makes sense to me and have spoken to at least XXXX people at Bank of America ; in all different departments ; mostly CSR ; s, but a few supervisors and managers. I have spoken with B of A reps from XXXX, just to name a few. 
I am still waiting for Bank of America to " recast '' my mortgage so that my monthly payments will be affordable for me. 
Short of flying to XXXX, XXXX, to storm the office of Bank of America 's CEO, XXXX XXXX, I do not know what to do. 
I need help. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX. I no longer want an impound account. I wish to pay my homeowner 's insurance AND property taxes myself, as that will " free up '' more money for me during the month for other bills. I am on XXXX XXXX XXXX and have a limited monthly budget.