davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-25
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1959 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1959 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-06-25
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX parked an old debt as if it was brand new ( illegal to do ). First tried it on XXXX. I filed a dispute and XXXX  removed the collection in four hours. The next day XXXX hit transunion and XXXX I disputed with transunion and they said it was accurate. I called to have the. XXXX and they said they called XXXX and XXXX said it was correct. IT WAS NOT CORRECT they did not even try to fix the issue. I believe transunion failed in their obligation to stop the illegal parking of the debt. Still waiting on XXXX dispute. XXXX XXXX XXXX and transunion are breaking the law
Consumer complaint received 2021-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NY)

My pre existing Chase bank account was fraudulently accessed by an unknown person, leaving me with a balance {$28000.00}. When I noticed I immediately called to have the account closed and have the charges removed. The grief and trouble this has caused me so far over these erroneous charges and becoming very stressful. I demand this account to be removed from my credit report as I have followed your instructions to complete an identity theft affidavit and police report stating my claims of identity theft. My information was also involved in the XXXX data breach and may have gotten in to the hand of the wrong people.
Consumer complaint received 2017-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

I have tried to get XXXX XXXX deleted from all 3 credit bureaus on my credit report and it still continues to show up. I have documentation that these accounts no longer exist with XXXX since they could not validate the accounts and yet they continue to show on my report.
Consumer complaint received 2024-02-26
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. (MI)

This is my several 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 an alleged fraud or extortion. 
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 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 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

In XX/XX/XXXX, I submitted validation letters to the credit bureaus for a XXXX XXXX account that was reporting on my credit report and does not belong to me. In XX/XX/XXXX, I received a letter from Experian, XXXX, or XXXX stating that the account was " verified '', but did not forward any documents proving the validity of the account belonging to me. I then forwarded a second notice validation dispute letter in XX/XX/XXXX, in which I did not receive a response back from either bureau. In XX/XX/XXXX, I submitted another validation dispute letter and received a message through the Experian app, which I did not authorize for electronic results, stating that the XXXX account has been " updated ''. I have not received any validation of the account. This action performed by the credit bureaus has caused me great financial harm due to unverified and invalidated accounts.
Consumer complaint received 2023-08-15
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IN)

I had a fraud of XXXX dollars for XXXX on XX/XX/XXXX but my bank says they can't do anything, I want them to cancel that transaction or give me back some of my money.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (MD)

While I was at work some man stole my wallet and wipped out my bank account. I notified the bank immediately and was told a claim was being made and I could receive a preliminary credit of the funds taken seeing as I was STRANDED with no way home from work fast forward a week later and my funds have still not been credited back to my account and Im being told I have to wait for the investigation to conclude. However there is video proof I was not the one to make the purchases and a police report has been filed for theft of my bank cards
Consumer complaint received 2020-02-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NJ)

I have lived in my home for almost 43 years. 
I began writing my history of how everything led up to the problem I am going through, but I know that you may be interested in specific facts. 
My most current problem is that even though I have been going through a short sale, and the first bank that I owe called XXXX XXXX, was working fine with my buyers, Chase, the secondary loan bank, which was actually a predatory loan, back in XXXX  or XXXX, ( I had just refinanced, in order to fund a group of people who were going to work together to buy and flip houses ) The same Chase loan person called me and said that I had so much equity in the house, why don't I get a Home Equity Line of Credit, I told him that I didn't need it, but he said, well you have all this equity, any time that you need anything you can just write a check. I agreed to it. But did not touch it until I wanted to help my daughter with a vehicle she had purchased, and the plan was to pay me monthly instead of paying high interest. That didn't pan out. 
Okay, so, Chase, who in a short sale would normally get a small amount because the first loan would get the bulk of the short sale, began demanding more money and creating delays in the short sale. I had gone through a chapter XXXX Bankruptcy last year, and just no longer had enough income to pay around {$400.00} to settle both loans. Also, and this has been a very big injustice, even though I tried to modify the loan with XXXX 5 times, at least, kept me at 7.5 % interest, even though President Obama had put out that banks should make it easier for homeowners. They still have me at 7.5 %, and so the debt goes higher and higher. I have adjourned foreclosure many times, and now because of Chase, demanding more, XXXX has taken the short sale off the table. I am XXXX years old and had a very XXXX XXXX XXXX of the XXXX  XXXX  XXXX  being XXXX. I was planning my future to have some moving expenses made available to me through the short sale. Now, the foreclosure is coming up on XXXX XXXX, and I have no money to put 43 years of belongings into storage. 
I endure XXXX  XXXX  XXXX, but I keep working as a XXXX XXXX. Chase has been present at the scheduled foreclosures in order to bid on my home. I believe they are creating this short sale problem to be able to get the home through foreclosure. XXXX XXXX attorney has pretended not to know this. 
I was my mother 's caregiver for 9 years here in this home. My father, XXXX Veteran wanted to stay here, but he moved out and my brother cares for him. 
I have documents to support what I am saying.
Consumer complaint received 2021-06-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc. ()

I explain to the debt collector that the account they are trying to collect was opened fraudulently by another person using my data. I have challenged the account with different Credit Bureaus explaining the situation and they repeatedly refused to delete this item. I have no option but to report them in order to seek for a more positive outcome.
Consumer complaint received 2021-06-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (WV)

RE : Loan # : XXXX Name : XXXX XXXX SS # : XXXX To Whom It May Concern, I am writing this because I am so upset with the situation involving Wells Fargo and XXXX XXXX and the refinance issues with my mortgage. We have also filed a complaint with the AG and XXXX. 

We paid {$11000.00} PMI upfront when we originated our loan in XXXX. I called our lender Wells Fargo to inquire numerous times, about when the unused PMI would be refunded. Calls date back to XX/XX/XXXX. We were told after the refinance was complete and the loan closed out then the unused PMI estimated at {$9600.00} would be refunded to us. 
Our refinance was complete XX/XX/XXXX and today, XX/XX/XXXX we receive the information from Wells Fargo that we are NOT ELIGIBLE for a REFUND! We are owed {$9600.00}! Not one representative along the way mentioned one word about the possibility of not being eligible. Today is the first news of this!! 

I am requesting all calls that were recorded, per the disclaimer given at the beginning of every conversation, be pulled and listened to. I also request a look back at all notes with the Wells Fargo representatives back in XXXX up until XX/XX/XXXX be reviewed for any mention of ELIGIBILITY. You will find that there is none of the recordings or noted conversation of such involve their Representatives informing us of the possibility of not being refunded, but you will find that I called and inquired MULTIPLE times about our PMI refund. 

Today I held on the phone over an HOUR to be told that because we REFINANCED vs. Closing the Loan is the reason we are not eligible for refund. Our LOAN was paid off in order to REFINANCE. 

We spoke to NUMEROUS WELLS FARGO REPRESENTATIVES who also spoke to MULTIPLE PMI Specialists at XXXX XXXX with NO ZERO NADA mention of even the possibility of NOT getting the unused PMI back. Never ever disclosed. 

We are not just going to let {$9600.00} just blow away. This is UNACCEPTABLE. Next steps are legal actions. 

If at any point someone would have mentioned us POSSIBLY not getting the PMI back I would NEVER had refinanced. 

I would like a call back XXXX XXXX XXXX
Consumer complaint received 2021-06-25
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: Porania, LLC (NY)

I have these accountsthat does not belong to me and i want it to beremove asap. 

1. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft Chapter XXXX Bankruptcy XXXX XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine.
Consumer complaint received 2024-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Land Collections, Inc. (CA)

I have been trying to communicate with this company Mountain Lad Collections to dispute a debt that I apparently own to a medical facility which my medical had already pay I call them because I had set up a payment method but know I see I don't owe that amount and when i called the tell me they are calling me back which they never do.
Consumer complaint received 2021-06-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (SC)

The house belonged to my parents, both of who have passed away. From the start, I have tried to work first with Ditech, who had the mortgage at the time, and later with Shellpoint, who currently has the mortgage. Ditech was never very helpful. From the start, XX/XX/XXXX, Shellpoint refused to provide any help or requested information or forms I needed for Probate Court. { I have attached a letter I send to Probate Judge per this. } Shellpoint did not contact me until XX/XX/XXXX and then only after I had made several attempts to contact them. I notified both Ditech and Shellpoint that the estate has run out of money, what little there was. XXXX XXXX people dont leave a lot. I notified both that we would no longer be able to continue payments for the house and have been unable to find a buyer for the house. I notified them that the house would need to go into foreclosure. 

At this time, I felt that Shellpoint was starting to work with us. They provided me with a contact person who I was told would handle what they called a short sale. I even referred someone who contacted my sister a few weeks ago about buying the house. 

Then we were served with a notice that an action has been filed against us in XXXX County ( S.C. ) Court of Common Pleas. I feel that I have done all that I can. I tried to work with both Ditech and Shellpoint in good faith. I also feel that neither Ditech nor Shellpoint has worked with me in good faith. 
I have attached other documents that support my views and show a history of my interactions with both. 

I have other forms that I can mail to you. I do not have copies on my computer that can be uploaded. One is a letter dated XX/XX/XXXX from the Judge of Probate in XXXX, S.C. ( XXXX XXXX XXXX XXXX, XXXX from XXXX XXXX XXXX, Deputy Clerk ) stating the time for filing claims on the estate is up.
Consumer complaint received 2017-03-28
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IL)

We are a non profit counseling agency in XXXX, we submitted a a loan modification package to Ditech Financial on XX/XX/2017, Ditech 's representative stated that the loan modification was under review and it will take them 5 days to complete the review. I called on XX/XX/2017 and I was told that they needed another 5 days to complete their review. Today XX/XX/2017 I was told that there was no update from underwriter or representative working on the case. The client received a court notice ( to appear in court XX/XX/2017 ). The lender even told me that they will continue the foreclosure process. They are double tracking. They have a COMPLETE package requested.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX : XXXX, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

it's been well over 30 days since my letters and dispute that I send in. I have not hear from anyone about the investigation about the incorrect information on my credit report Yes I send it to all three credit company.
Consumer complaint received 2021-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NH)

on XX/XX/21 i file a Apply for XXXX credit card so i can get discount on buying something ..it wasn't in till i fill out all questions and and 2 days before i had unlocked my 3 credit union accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and send App in online for credit check that when i found out that XXXX Mask who XXXX was Apply too i just fill out was Chase Bank XXXX XXXX i call up and try fix any question they had about App and they claim they can't conform my phone number with XXXX  that who they take credit scores from. 
So i call XXXX  over phone She said that was total Lie because got all info was giving to them and bank have ways get that info .. they lied about credit check and calling my phone number, Chase bank they like had all 3 credit unions have ALL my info even my phone work .money saving and checking accounts ..sound like people working from home screw up. and Not own up to it .its XX/XX/21 i still have Not got letter from Chase bank why did this, or follow throw, or XXXX didn't inform me before i applied and removing a review and wouldn't re-post warning others online I LOST XXXX POINTS ON MY CREDIT SCORE because these morons games and someone going pay 1 Masking who applying to ,2, never giving a right fair credit 3 informing wrong info to credit unions
Consumer complaint received 2021-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (NC)

Closed on new home purchase for primary residence in XXXX NC in XX/XX/2021. Prior to closing, provided evidence of flood insurance coverage in amount of {$140000.00} based on existing coverage amount with XXXX on the property. Penfed made no indication of necessary flood insurance coverage amount or that any necessary changes to coverage amount. Received a letter Dated XX/XX/2021 addressed from Penfed ( it is apparent the communication came from a 3rd party contracted to handle proof of insurance - however there is no indication of this in the letter which addresses it from " Insurance Service Center '' ). Letter states records indicate the property should have at least XXXX of flood insurance coverage .... the coverage amount must be at least equal to the lesser of : 1 ) loan balance, 2 ) replacement cost value of the building, XXXX ) or maximum amount of coverage available by the XXXX ( the maximum offered is {$250000.00} by XXXX ). 

The letter contains no indication of the replacement cost value of the building nor any consideration of how the appropriate amount of flood insurance was determined. Penfed contradicted the statements about determining appropriate coverage amount and defaulted to the maximum and most expensive allowable amount ( XXXX ) without any consideration or rationale. 

Between week of XX/XX/XXXX and XX/XX/XXXX I've made at least 15 calls, sent 5+ emails, spent 6+ hours trying to contact representatives of penfed and/or their 3rd party insurance verification vendor to share the replacement cost estimate performed by my Flood Insurance Agent that evidences a replacement cost of {$190000.00}. Penfed and their vendor have ignored my messages, bounced me between departments, disconnected my calls, promised manager callbacks within 24-48 hours that never occurred, and totally failed to consider my question and complaint related to appropriate insurance coverage despite every attempt to communicate that the maximum allowable flood insurance has not been appropriately considered or calculated. They have threatened forced place coverage without addressing my concern which risks impacted me financially and making my mortgage unaffordable. Penfed 's system for handling calls, questions, and complaints is totally insufficient and the use of a third party for critical mortgage servicing elements is damaging to their customers.