davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (AL)

I applied to refinanced my home in XX/XX/XXXX with XXXX it was not completed until XX/XX/XXXX the agent at XXXX ask me to give XXXX a call because that is who she had her insurance with and they have a great rates so I called and spoke with XXXX and she gave me prices of {$1100.00} for my premium so my house payment came up to {$550.00}. My loan was sold to Penny Mac and on XX/XX/XXXX of this week I spoke with penny mac because I was trying to find out why my escrow is short {$3300.00} and my house payment has gone up to {$910.00} amount. I had been calling them since XX/XX/XXXX which at that time I had XXXX on the phone with me because penny mac said I needed to speak with my insurance company about this so on that date is when I cancel my insurance with XXXX because they were keep going up on my premium for no reason. I refinance my house for my payments to go down not up not because of my insurance neither. When I spoke with penny mac this week they informed me that XXXX had sent an invoice in for {$1100.00} in XX/XX/XXXX then another one in XXXX for {$2100.00} and they paid that one because they threaten to cancel my insurance so the persons on the phone at penny mac said that XXXX was double paid and they should have been only paid the {$1100.00} not the {$2100.00}, per Mr. XXXX in the escrow department when he was speaking with the lady in their insurance department I did n't get her name because she had a harsh raspy voice but he repeated everything she said to me. so I emailed XXXX and the person I was going back and forward with there is XXXX and she said what XXXX had quoted me was incorrect and they told me that and that is what I was supposed to pay for my insurance and I told her that is not correct and I did not refinance my home for the payment to go up and you all was not offering anything else. I have documentation to show how many times they have gone up on my premium and have incorrect information on my home. this complaint is for Penny Mac and XXXX both or at fault Penny Mac for not paying the first amount and XXXX for sending a double bill and I am having to pay for both of their mistakes and that is not fair to me. When I cancel my insurance with XXXX they return a check in the amount of {$2200.00} that would have been the premium for this year so that amount has been deducted so it left me with a shortage of {$1000.00} for my escrow and I want XXXX to send that check back to Penny Mac so this situation can be corrected they should not have sent it a double bill but when you see what they sent me it was more then double. I pray that this make since.
Consumer complaint received 2024-01-15
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: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Consumer complaint received 2024-01-15
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: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-01-15
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: Selene Holdings LLC (GA)

I am requesting to you as a valued customer and a responsible borrower, seeking your understanding and assistance regarding a late payment that occurred on XXXX on my account with XXXX. 
XXXX XXXX XXXX XXXXXXXX Balance : {$130000.00}
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (TN)

Errors on consumer checking account screening report. 

XXXX XXXX XXXX XXXX Acct # XXXX Acct # XXXX Customer ID : XXXX # XXXX I've been writing to request a correction of the following information that appears on my Early Warning Consumer Report. XXXX XXXX # XXXX and # XXXX. These accounts are showing on report. I didn't open these accounts and reported them to XXXX XXXX for an investigation. The investigation was completed through XXXX XXXX and closed. Please investigate and remove these accounts. They are showing on my Early Warning Report. 

Thank You for Your Assistance
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Omega RMS, LLC (NY)

On XX/XX/XXXX, I submitted a non-disclosure, opt-out letter to XXXX XXXX XXXXXXXX XXXX . Despite this, the company persists in violating my rights under the Fair Credit Reporting Act by disclosing my nonpublic personal information to nonaffiliated third parties. This ongoing violation is having detrimental effects on various aspects of my livelihood.
Consumer complaint received 2017-03-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NC)

The mortgage lender " Loan Care '' recently bought our home mortgage. We pay our monthly mortgage payment on time every month to them. Our local property taxes were due in XX/XX/XXXX. A Loan Care representative assured us the tax payment check had been mailed to our tax authority on XX/XX/XXXX. The check was never received, putting our tax status as delinquent. After several calls to Loan Care, they responded by saying the check was received, but returned to Loan Care by our tax office. We checked with the county tax office, and discovered the check was never received, and they would not return a check for tax payments. After several more calls over the past several months ( it 's now mid XX/XX/XXXX ) ... Loan Care has still failed to pay our property taxes from our mortgage escrow account. They continue to make excuses, as we continue to pay our monthly payments to them. We even had a rep from our local tax office on a 3-way call with Loan Care, and they continued to make excuses, and said the check will be mailed. To date our taxes have NOT been paid, a lien is about to be placed on our home, and the county publicly posts our names in the local news as delinquent dead beat home owners! I 'm not even sure how all of this will affect our credit, but we need your help!!!
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

So I was XXXX XXXX XXXX XXXX  up until XX/XX/XXXX and my card was used and paid for through these months. I don't want to explain too much so I have added documents showing my XXXX  date, ( Day of XXXX  ) and my XXXX date. The day I was held until. Therefore that shows where I was, when and how long. I have added a few documents but I had not made a payment personally since before XX/XX/XXXX. After that date I was struggling with legal problems and had went to XXXX  one after another. I was not home, I did not have any of my cards or phones. I couldn't access my emails and phone numbers and I had no access to the Walmart card. Therefore I don't know who used it when they did. If they made payments for a little while or not and then they maxed out and just stopped making payments. 
Now so that you know I was back home at the date I was released on XX/XX/XXXX. This is when I finally returned home and a week or so later I found out about this credit line and how much I owed. I made a {$20.00} payment out of confusion and wanting to resolve this, but later I investigated and seen that there had been transactions and what not that I did not make. So that's why I'm here again reporting and disputing this account once again because I need to resolve this. I will pay back what I owe but {$880.00} is not what I owed. My credit limit was only {$400.00}. As you can see there must be a lot of fees and whatnot because of no payments and I'm very stressed out about this as my credit is very important to me. I'm only XXXX XXXX XXXX and I've always did my best to spend what I can afford and make on time payments. I can not have this report remain on my credit as it was fraudulent 100 % I'm very thankful for anyone who looks into this and I will leave another message down below. Thank you for your time.
Consumer complaint received 2017-02-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

Qualified Written Request under Section 6 of RESPA - Mortgage Information and Error Correction As a Qualified Written Request under Section 6 of RESPA - Mortgage Information and Error Correction, I am writing to request the following information described below in regard to the mortgage on my property. 
1. Full monthly accounting information of my loan servicing since XX/XX/XXXX, including the following : Transaction dates, transaction amounts, Code, Category, Due Date, Total, XXXX XXXX, Interest, Insurance, Escrow, Late Charges/Fees, Advance, XXXX, Back Date All principal, interest, escrow, property taxes paid, hazard insurance premiums paid, and loan balance calculations ( including yearly escrow analysis for the past 3 years- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) All payment information and accounting ( including chapter XXXX trustee payments ) and how they were applied to the balance of the loan Yearly loan interest calculations from payments made during the last 3 years ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) A corrected XX/XX/XXXX Form XXXX - mortgage interest, showing the correct mortgage interest amount that I paid during that year Calculation of current home loan arrearages, including any escrow, payment, hazard insurance and late fee amounts. Your automated phone system states I have a {$6300.00} arrearage balance. You have not applied my payment of {$1100.00}, received in your office on XX/XX/XXXX to my account balance. Please apply this payment immediately. 

2. Home retention and foreclosure prevention information, including loan modification applications, and any and all other paperwork, applications, or programs that I might be eligible to participate in to avoid foreclosure. 

3. An explanation as to why you have recently removed my loan payment information from all XXXX credit reporting bureaus. 

4. An explanation as to why I am unable to view any and all loan servicing account information including : principal, interest, balance, escrow analysis, and payment information at www.ditech.com, as well as on monthly statements mailed to my home address from your company.
Consumer complaint received 2017-02-17
Product: Credit card — 
Issue: Billing disputes — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

I 've recently contacted the merchant in regards to the travel voucher that I 've purchased in XX/XX/2015 via my Credit Card. I was informed that the purchase was charged back and the voucher is invalid, the merchant advised me to contact my bank to clarify the situation. I 've contacted my bank for further information, I recall initiating a dispute it was never completed as I never received the credit back so I thought that the travel voucher remained valid since then. I 've been contacting back and forth between the merchant and my bank since then trying to resolve the issue. Finally, the merchant provided a document that is to approve the charge back. I 've forwarded it to my bank hoping that they will provide me a resolution ; however, they continuously advising me the information that I already know. 
1. The credit did n't credit to the account 2 years ago 2. this charge back pass the time range to initiate the dispute as it 's 2 years ago I 've been trying to contact my bank further for the explanation on why my bank did n't complete the dispute when the merchant already authorized / approve the charge back. The merchant had already expressed that they ca n't assist me any further after providing me the related document and advised me that the money is no longer in their account. 

I do n't know what else I can do in order to resolve the issue anymore as my bank only advises me that the credit never arrived to my account ( which i knew by basically reading the statement ) and the transaction was long time ago ( which i knew as well so that I raised the dispute 2 years ago ) yet my bank never advised me of the rationale of the incompletion of the dispute i raised 2 years while the merchant agreed to charge back. 

Now I have paid XXXX USD and I do n't get to have my vacation ; neither my bank nor the merchant was able to assist me further
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
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 XX/XX/XXXX
Consumer complaint received 2024-01-15
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: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-12-21
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)

I reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX  XXXX XXXX .... Balance : {$1500.00} ; XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$12000.00}
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION (IN)

Every year for at least the past four years the insurance company representing my condo association must submit hazard insurance " lenders loss payable '' to my mortgage company Everbank in XXXX Ga. Under my direction the insurance company submits this information as instructed by Everbank. Yet every year we must submit this info multiple times as Everbank somehow does n't process the info. We have tried faxing, uploading & sending a hard copy, again per instructions from Everbank. None seem to get processed. Everbank will not accept this info via e-mails. Every year for the past 3, Everbank has force placed insurance at my expense. Is gets cancelled eventually. This is so frustrating. I ca n't be the only borrower with this problem. I think Everbank is being negligent by not professing this info in a timely manner. I need your help. Please investigate and let me know. Thank you.
Consumer complaint received 2024-01-15
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: EQUIFAX, INC. (AZ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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
Consumer complaint received 2024-01-15
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: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

The lease payments have been made in their entirety, and my credit report shows that payments were not made from XX/XX/XXXX through XX/XX/XXXX ( see attached ). This is not correct. If you look at the attached payments made with confirmation numbers from XXXX XXXX XXXXXXXX, it shows proof that payments have been made totaling {$6700.00} during that specific period. Further, the balance on my credit report states that I owe {$3900.00}. If you look at all the payments from XX/XX/XXXX, through XX/XX/XXXX ( end of lease ), the total amount paid is {$9000.00}. Clearly, this is an accounting error on Nissan 's side that needs to be rectified.
Consumer complaint received 2023-11-21
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

CAPITAL ONE Inquiry : XX/XX/2023 CAPITAL ONE Inquiry : XX/XX/2023 I have also submitted FTC report.

FTC Report Number : XXXX
Consumer complaint received 2024-01-26
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: AUSSRQ Holdings, LLC (NY)

I have repeatedly raised concerns with XXXX regarding inaccuracies persisting in my credit report, despite numerous notifications you ( XXXX ) continue to report this inaccurate information. This situation not only appears to be grossly unfair but also runs afoul of the law. As stipulated in 15 U.S. Code 1681 ( b ), reporting agencies are mandated to adopt reasonable procedures for the fair and equitable treatment of consumers concerning the confidentiality, accuracy, relevancy, and proper utilization of information. 

The ramifications of this inaccurate reporting are severely hindering my ability to move forward in life with my family. I have explicitly communicated to ( XXXX, XXXX, or XXXX ) that I do not consent to the inclusion of this flawed personal information in my consumer report and they need to be deleted because of inconsistent information. This stands in clear violation of both 15 U.S. Code 1681 and 15 U.S. Code 1681c2. I insist that you ( XXXX ) take immediate and decisive action to block and delete the specified personal information from being reported on my consumer profile within four days of receiving this notice. I anticipate your prompt response and resolution of this matter, recognizing the gravity of the situation. 

You are required to do what I am asking and block and delete the mentioned accounts in my attached letter from being reported to my consumer report within 4 days from the date of the receipt of this notice. This request is not being made in error and I will be contacting both of the other bureaus ( XXXX XXXX XXXX ) that are also in violation of reporting this account inaccurately.