davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Specialized Loan Servicing Holdings LLC (AZ)

My mortgage through Specialized Loan Servicing has a PMI requirement until you hit 20 % equity in the property. This is normal for a mortgage company to require PMI up until 80 %. However, once that happened, I tried to get the PMI removed. I had a number of difficulties in this process and was ultimately told that it couldn't happen unless I was willing to pay a fee. This did not strike me as fair. In XXXX of 2023 when I had surpassed 20 % equity, I called the company to learn the process and was told by a representative that he could take care of it. I had previously received mail letting me know that I would need to submit a written request so I asked the rep about it and he said it was no problem and he could take care of it. However, by XXXX I was still being charged PMI. So, I called again to figure out if just writing a note and mailing it to the company ( which were their only instructions - I couldn't call or email, which is very frustrating ) would be sufficient as a " written request ''. I was then informed that I had to print off a specific form, sign it, and mail it in and then I would have to pay a variable fee ( depending on what Specialized Loan Servicing found for a professional in the area ) to have the property value assessed and they would consider removing the PMI. This struck me as a burdensome and unnecessary evaluation, since I have property value assessment information for free from the city. I then asked if I could just pay additional principal to get to the 78 % of " Original Value '' and was told that Specialized Loan Servicing will ONLY use the original amortization schedule in calculating that value. WHY? It seems to me that Specialized Loan Servicing is unnecessarily making the process difficult so they can make more money even though the true equity that I have in the property was way above 20 % more than a year ago! This is not a fair situation. I submitted a complaint via the CFPB website and the response of Specialized Loan Servicing was to just reiterate their policies and then the complaint was closed. They provided no additional solutions and were not helpful. I submitted a second complaint and received the same type of message from Specialized Loan Servicing which, again, did not offer a solution and was not even an attempt to solve the problem. The complaint was closed. Is there someone who could investigate Specialized Loan Servicing 's policies?
Consumer complaint received 2018-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

My mortgage went in to foreclosure. My wife passed away and she was handling the mortgage, I thought it was on auto-pay. Immediately on finding that it was in foreclosure, I called Wells and they gave me the total amount due to be current. They said that there was a {$200.00} additional fee that would be assessed but that " may '' be waived given my circumstances. I paid right around {$10000.00} to come current and expected to deal with them on the additional {$200.00}. I got a call today saying that I now owed over {$3000.00} for a payment {$1500.00} for the payment, the {$200.00} late fee and an additional {$1300.00} which no one was able to explain. This is the first I heard of this {$1300.00} and asked for an explanation. I spoke with three different people and still, no one knew. They each took my email address as they were sending notifications to my deceased spouse. I had previously changed the email address but they continued to send it to her account, which I do not have access to. 

They said that they would mail me a letter and I asked for it to be emailed, apparently this isn't something they do as they were reluctant to do so and said that they would put in a request. 

I need the information emailed as I am not home enough to check the mail and want to get the issue resolved. 

I am very concerned about this additional {$1300.00} that wasn't discussed before and am even more concerned that no one was able to tell me what this was for. 

With their vague information about what the {$1300.00} is for and their inability to provide clarification, although they wanted me to pay it, I feel they are trying to take advantage of my situation and are being predatory.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Credit Bureaus have errors on my credit file as address phone numbers phone numbers and incorrect amounts owed on credit cards. 

Contacted the bureau to mail me a copy but seems the run around getting a full credit report.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (MO)

After seeing the bank statement, I now understand why there is a negative balance. I was a victim of XXXX, and cell phone port out hacking.. I had charges from that company on all my credit cards and debit cards. Because I was under the impression that my account at XXXX was closed, and did not have access to it, i didn't know they charged that account as well. as you can see there was a positive balance of {$49.00} until those fraudulent charges from that scamming company took place. If again, XXXX had closed the account when request, or even if I had access to the account I would have seen these fraudulent charges and disputed them like I did with all of my other credit cards and bank account that I HAVE. All of my other credit cards and accounts were able substantiate this company as fraud and successfully disputed the fraudulent charges from " DONATION SUPREME SNEAK, in XXXX of XXXX, I was in the hospital with severe medical issues, so I never received any of these notifications, however, if i was able to access my account through the app on my XXXX I would have seen these fraudulent charges, and responded accordingly. These charges need to be addressed as fraud and handled accordingly. Again, I will forward this to the attorney generals office as well. It is against the law to charge some one over draft fees for fraudulent charges, it is also against the law to report to the credit charges and negative activity, due to fraudulent charges. And is this instance that is exactly what XXXX is doing. I have letters from my other financial institutions that had charges from XXXX XXXX supreme is a scam company and the charges were fraudulent. Available upon request.
Consumer complaint received 2023-02-02
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Fraudulent information is being reported on my credit report and I am having problems disputing that with the credit reporting agencies. XXXX is reporting information as my account and I did not open an account with them.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-04-30
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: Sunbit, Inc. (IL)

I recently pulled my reports and noticed a company by the name SUNBIT is reporting incorrect information on my credit profile. The alleged debt is being reported by XXXX as " Charged Off '' but XXXX and XXXX not reporting that can not be true, Because the account on XXXX and XXXX and XXXX are different its not even on them so this means the account has not been properly verified. Please delete this account immediately.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. Upon reviewing my records, I discovered the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-08-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I filed a dispute with the company in regard to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results. The company received my disputes on XX/XX/XXXX. It is now XX/XX/XXXX and I've yet to hear back from the company, The FCRA gives the company 30 days to respond, I have not gotten a response.
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$560.00}
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

In accordance with the Fair Credit Reporting Act. This creditor has violated my rights. Under 15US C 1681 Section 602 states I have the right to privacy. 15US C 1681 Section 604 A Section 2, It also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15US C 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-22
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. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (TX)

In the summer of XXXX, I spoke with the U.S. Department of Education about my PSLF/TEPSLF Student Loan Forgiveness. I waited to speak with an actual Federal PSLF/TEPSLF Forgiveness Officer for 5 hours, twice. After submitting 10 years of IRS and Social Security Tax documentation, my account was transferred to Mohela in the Fall of XXXX. By XXXX of XXXX, my payment count was at 118 until XXXX of XXXX. In XXXX of XXXX, I received one additional payment count making it 119. Then from XXXX XXXX XXXX, I heard absolutely nothing about my Forbearance until a notification that my loan went into Administrative Forbearance. In XXXX of XXXX, all loans were finally forgiven but my payment counts were at 127. Public Service Employees need to only make 120 qualifying payments, 127 payments indicate 7 months of overdue forgiveness.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am lodging this complaint on my own behalf. Upon scrutinizing my credit record, I found instances of late payments. Despite sending letters over 30 days ago, I have yet to receive a response, and satisfactory validation has not been provided. I respectfully seek your assistance in addressing this issue.
Consumer complaint received 2023-10-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NY Community Financial, LLC (NY)

I had cash out a check in this place and after XXXX Weeks i Went to cash another check but they told me i Owned the money for the past check They made me Pay and they also charge the bank I had being thru the store a few times and they told me to wait one more week this is being almost 2 months waiting
Consumer complaint received 2024-04-28
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

I turned in move out notice due to the landlord not fixing the a/c after multiple work orders submitted. After my move out notice, the landlord sent me a notice that indicates their a/c units will only cool XXXX degrees below the outside temperatures which in Texas would mean the a/c would never cool below XXXX degrees. I have XXXX and XXXX, and can not XXXX XXXX XXXX I would never rent a space that is detrimental to my health, so had they provided that notice prior to me renting the property I would not have signed a lease. Below is the notice received on XX/XX/XXXX, after I submitted my move out notice on XX/XX/XXXX : XXXX XXXX XXXX XXXX Fri, XX/XX/year> at XXXXXXXX XXXX Reply-To : XXXX XXXX XXXX  XXXX To : XXXX XXXX XXXX WHY YOUR AIR CONDITIONER WILL NOT COOL WELL WHEN THE TEMPERATURE IS HIGH These crazy hot temperatures not only put stress on your family, your pets and anyone working outside, it stresses out your air conditioning system too. 
It never fails, every year, as soon as we approach high temperatures, we are flooded with calls from residents that believe their systems are not working because they are not cooling like they are accustomed to, or they are not cooling down in the heat of the day. This is quite common especially for upstairs, or a lot of windows ( Sunroom ). 
The first thing you should know is that your system is typically not designed for high temps. XXXX systems are designed for an average temperature in your area. Your system is also designed to cool to a maximum of XXXX below the temperature outside. So, when we are having average temperatures, you should have no problem cooling to XXXX or XXXX if you like. However, when we approach high temps, you will be doing good to cool to XXXX. 
While it may seem as if your system is not working, it is doing all it can during extreme temperatures. Many people at this point will ask why systems are not designed for higher temperatures. The short answer is, you can not design a system to operate efficiently in the extremes and have it work well in the averages. So, we must sacrifice a few days of extreme temperatures to be comfortable the rest of the year.
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I submitted a written request for XXXX, Transunion and XXXX credit bureaus to send me copies of the documents that the company has used to verify the accuracy of the account in collections that is reporting inaccurately ... instead I only received a letter from them stated that the account remains and is verified to be accurate.
Consumer complaint received 2024-04-28
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (CO)

On XX/XX/2024 i received an alert from XXXX XXXX regarding a decrease in limit from Synchrony/Amazon , which said my limit will be lower from {$600.00} to {$310.00}. This now leave me with {$15.00}. I have always paid on time and above the minimum payment. The letter said I had no real estate, collections and high limits, which was on my credit report when I applied over a year ago. This also plummets my credit score because my debt to ratio now is over 85 %. I have {$290.00}, my limit was {$600.00} and NOW its decreased to {$310.00}, with a {$290.00} balance with {$15.00} left. This is unacceptable and my credit limit needs to be at {$600.00} again. This is a bullying tactic to forcible close my card like they did with my XXXX XXXX because I didn't use it for six months. This act plunged my credit score by XXXX points. Synchrony is doing it AGAIN! When you answer if you are XXXX, which I am this is a disservice to XXXX and XXXX Americans. Studies have shown XXXX and XXXX Americans have a hard time getting approved, maintaining and getting credit increases. This is not acceptable behavior following the Truth in Lending Act. Now my credit score with be affected again with only {$15.00} left to spend.
Consumer complaint received 2024-04-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Marlette Funding, LLC (FL)

Best Egg Financial has not allowed me to access my credit card log in for months. I alerted them to the issue more than 3 months ago and to this day they have not resolved it. I am unable to access anything ... statements, transactions, payments etc. 

There continue to be transactions that I can not verify I even made because they refuse to fix the issue. Everytime I try to log into my account I get an error message for 3 MONTHS!
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Independent Savings Plan Co. (FL)

False and not agreed upon information was reported to the XXXX & XXXX  that hows now affected me and my husbands credit in a negative way. On XXXX, ISPC reported that the account we have with them that was " paid as agreed '' with the agreed upon amount by them and us was reported as a negative/adverse account. It was wrongly reported as " closed & not paid as agreed ''. They also reported the same negative/derogatory incorrect information with the date of XX/XX/2017 to XXXX. All the information reported to both of these credit bureaus is wrong and was not what was agreed upon after they received payment for the account. I believe there intent was after receiving their money, they wanted to ruin our credit maliciously which has now affected us in a negative way. I have made numerous attempts to reach out to them to have them correct the information on out credit and they have stated they will not change the information. They are sharks and scam artist with the goal of ruining peoples lives and credit with " 0 '' understanding and do not keep their agreements after payment received.
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (TX)

WHATS NEW ... .I just talked to Chase Bank about the Fraudulant Application that was opened in my name which prompted a hard inquiry on my XXXX  Credit Report. I talked to CHASE they insured me they would handle this situation and even have the hard inquiry masked off my credit report. I accepted those terms just 10 days ago up until yesterday XX/XX/2018 where yet another fraudulant application was opened in my name again further damging my credit score. I am confused as to how Chase Bank ensured me they would handle this situation because they already let another application slip by them. So now its my turn to call the shots