davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: TRUIST FINANCIAL CORPORATION (WV)

I requested my PMI be deleted on XX/XX/XXXX, after paying my mortgage down to the required LTV. Our initial request was denied for lack of an Automation Valuation Model, with Truist requiring we prove the homes value had not decreased. The denial letter dated XX/XX/XXXX stated we had to pay for a BPO ( {$190.00} ). We mailed the check and signed the required form, and mailed it to Truist on XX/XX/XXXX. Per Truist, they received the form and payment on XX/XX/XXXX. Upon receipt, and after calling Truist, Truist admitted that the BPO requirement was an error on their part, as BPOs are not permitted in West Virginia, and that they would pay for the difference between the {$190.00} BPO fee and the actual cost of the appraisal they were now requiring. On XX/XX/XXXX, we called Truist again, escalating the appraisal order. No callback was received from management or the Mortgage Insurance Department. On XX/XX/XXXX we called Truist, who stated they were returning the BPO fee check to us, and they were cancelling the PMI, effective XX/XX/XXXX. We requested a manager callback, as the PMI deletion request needs now be backdated. No callback has been receieved. Truist then withdrew another PMI premium payment from my escrow account on XX/XX/XXXX. I requested a refund of the unearned premium, and they denied it, stating " When you sent the funds for the appraisal, their website had been updated with a value for your home and your PMI removal was approved. You are required to pay PMI premiums until the month following PMI was removed. Since PMI premiums are paid in arrears you were charged for XXXX on XXXX and XXXX on XX/XX/XXXX. ''
Consumer complaint received 2022-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible puPlease delete immediately
Consumer complaint received 2024-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-09-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Kentucky Housing Corporation (KY)

Unfortunate, I'd submitted my mortgage payment for XXXX late due to an unforeseen circumstance ( gas leak repairs made on XX/XX/XXXX ) on XX/XX/XXXX to Kentucky Housing Corporation via XXXX XXXX shipping for account # XXXX and XXXX. According the the tracking # XXXX, my payment was delivered on XX/XX/XXXX and was picked up by an individual at XXXX. XXXX XXXX of XXXX on XX/XX/XXXX @ XXXX regarding payment processing and provided tracking number in addition to providing explanation of my late payment. XXXX stated that XXXX had not received the payment. According to the XXXX tracking tool, payment was delivered and picked up by XXXX on XX/XX/XXXX @ XXXX. On XX/XX/XXXX @ XXXX s/w XXXX regarding the missing mortgage payment. XXXX stated she did not see the payment. I explained to XXXX the payment was delivered on XX/XX/XXXX @ XXXX before the XXXX XX/XX/XXXX deadline. XXXX ended the call with stating she would post the payment and to check the portal within a few hours. On XX/XX/XXXX evening, I checked the portal for the missing payment in which the payment reflect of being received on XX/XX/XXXX opposed to reflecting the date of XX/XX/XXXX. On XX/XX/XXXX, I'd received a letter from XXXX stating my mortgage was in default due receiving payment after XX/XX/XXXX. When I contacted XXXX in regards, I was told there was nothing they could do. I feel it was unfair to have being sent a letter stating my mortgage is in default when the payments were sent and received before the final deadline which is stated within an email sent via XXXX on XX/XX/XXXX stating : Your mortgage payment for this month has not been received by Kentucky Housing Corporation ( XXXX ). To avoid defaulting on your mortgage, make your payment immediately. All payments must be received immediately to avoid defaulting on your Mortgage loan. The latest payment will be accepted is XX/XX/XXXX BEFORE XXXX P.M. On XX/XX/XXXX @ XXXX, I received another email stating the same statement. Copies of emails and letter can be provided. In addition to the miscommunication and handling of payments, I've been struggling since XX/XX/XXXX with paying the revised mortgage amount. Without receiving proper notice in the mail stating my mortgage payment would change from {$900.00} to {$1000.00} made it difficult for me to adjust and make my payments on time. I've called XXXX in regards in which they did not provide suitable means for assistance.
Consumer complaint received 2023-05-30
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (MI)

I have tried several times to obtain my consumer report from LexisNexis, in each attempt I was not provided a copy of my personal credit report. XXXX XXXX continues to furnish outdated and unverified information about me.
Consumer complaint received 2023-09-06
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CT)

Received a billing statement from home depot for {$11000.00}. Charges were all within days of each other from around the state of ct. We have our cards in our possession and have only given home depot workers our numbers when ordering. In XXXX i called to alert them, they removed the charges and issue us new cards. Because we had charges that we have made we paid our bill. only to be sent a letter in XXXX to say we are responsible for the amount because we were paying on the bill. We were told to continue our portion of payment until the fraud has been resolved. They then reopened the case as i involved the police. However i have not heard any thing to get these charges removed.
Consumer complaint received 2022-12-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.
Consumer complaint received 2023-02-15
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. (NY)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Equifax regarding two reported collection accounts, XXXX # XXXX and XXXX # XXXX. I disputed these accounts and requested ( see attachment ' [ 5 ] ' ) verification, but despite my request, XXXX continued to send letters claiming that I owe an illegal debt, which they were unable to verify. 

As a result of the dispute, XXXX and XXXX both deleted ( see attachments ' [ 2 ] ' and ' [ 3 ] ' ) the collection accounts off my credit report, but Equifax has not complied and has continued to report the accounts as accurate against my dispute. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681n, which states that any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable for damages.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I hereby dispute the current payment status and remark comment associated with my credit report for XXXX XXXX XXXX XXXX for a Credit Limit of {$4000.00}. The remark comment indicates " Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account.

The extended duration of the inaccuracies in my Payment History for Current Payment Status and Remark comment serves as evidence that the credit reporting agency and the furnisher knowingly and recklessly violated the FCRA.

I would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections.

Current Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false.

Considering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness.

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken.

Thank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment on my credit report.
Consumer complaint received 2023-01-10
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. (CO)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2023-03-14
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. (NY)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern : You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX ), has violated several of my rights. 15 U.S.C 1681 Section 602 A. Clearly states that I have the right to Privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting clearly states that I have the right to Privacy. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

This late payment on XX/XX/year> needs to be removed because I made the payment on time. Please provide the bank statement from XXXX XXXX XXXX to verify that I was never late on this account. If you are unable to provide this bank statement which is the only acceptable form of verification, then this account must be updated to " paid on time, never late, '' as any reporting to the contrary would be false as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (FL)

XXXX employee allegedly XXXX XXXX with FNB in XXXX NC Misappropriation of my XXXX funds. I realized in XXXX my monies were not being paid to my bills, credit card etc, phone electric. I was advised I had no money after being paid. I requested my debit card, my account information but was told they dint bank on line which was a lie by this person and also asked for copies and was told I will send them but never did. Accounts since XXXX show Misappropriation of funds to another account ending in XXXX monies to freestyle checking account without my permission not my account never given information on this. Nor, did I give permission to take funds that this XXXX took at her own advantage with access to my personal banking provided funds to herself and spouse. XXXX texted told me her husband knew about all of this when I contacted XXXX XXXX and claims that she did pay my bills. No, they were late and often not paid abd phone disconnected and rent late with monies not paid to credit card on time. Causing my credit to fault XXXX points so far. 
I will attach what I was given after several attempts to her branch and XXXX Asst. Manager and XXXX CSR at branch delays in my person financial information to be appropriately given to me. 
Claims out if town or out if the office unable to retrieve information. 
That's what I got. Delays..
Consumer complaint received 2023-03-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Eastern Account Systems of Connecticut, Inc. (FL)

Reference : XXXX ( www.easternaccounts.com ) Greetings, good morning. 

I come to you for help since the XXXX XXXX people will not let me live in the peace that I need as a XXXX senior citizen. 

On XX/XX/XXXX of last year I moved to this community looking for the peace that I did not have in XXXX XXXX. 

I called XXXX to get cable and internet. Before doing so, I asked some neighbors what Wifi signal worked well in this property XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

They recommended XXXX. I called and they immediately opened my account # XXXX. The next day I had the mandatory installation equipment delivered to my apartment door by XXXX. 

From the same day I called I had a fast signal on my cell phone ( XXXX XXXX XXXX ). 

It wasn't a week later when I called them complaining that my cell phone signal was too poor. 
Then, they told me that they would transfer me to XXXX. Then, I told them that I had not done business with XXXX, that it was with them. They told me that the signal in this community was poor. The next day I had XXXX equipment at my apartment door. 

And there began the second part of my agony with these intransigent and insensitive people. They started charging me for the first month of the poor service I had for a couple of days. I have evidence in my possession ( Available at your request ) that shows that since XXXX of last year it has been a tireless struggle with these people. 

In every collection call for not delivering their XXXX equipment I explain to them that I live alone, I am an old man who can hardly walk and I have no means of transportation either. In each of these calls either made by me or by them, they can't understand how they themselves have transferred me to the competition. 

The thing is that to end the long story for the moment in the last call I was told that the next day XXXX people would come to pick up the equipment. It's been over a month now and the last thing I received a few days ago is a collection letter from Eastern Account System of Connecticut , Inc . 
In this letter they are threatening me that I have until XX/XX/2023 to pay the bill. I have been taking care of my credit for decades and maintain an empirical of about XXXX. 

ISN'T IT STRANGE THAT XXXX XXXX OPENED AN ACCOUNT FOR ME WITHOUT ME APPLYING FOR IT WITH THEIR COMPETITOR? 

I hope you can help me continue to keep my credit spotless and can do a thorough investigation into this strange occurrence.
Consumer complaint received 2020-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

On my Mastercard statement with a due-date of XX/XX/XXXX, there was an item dated XXXX in the amount of {$1300.00} which I did not recognize. 
XXXX I called the " Account Inquiries '' number XXXX and spoke with " XXXX '' in their fraud department, not entirely sure what was going on yet. She took the charge off the statement for the time being, so that an investigation could take place without charging me, and cancelled my card, issuing me one with a new number. 
The statements " due '' XXXX XXXX and XXXX XXXX, XXXX were fine. 

However, M/C informed me that they had investigated and that the charge IS mine, and that the credit card had a " chip '' in it, " proving '' that it was used onsite and not called in by telephone. Result : the erroneous charge of {$1300.00} was back on the statement with the due-date of XX/XX/XXXX. 

I can not explain how my card was somehow duplicated and fraudulently used. The original card remained in my possession until I shredded it in XXXX, and I have neighbors who can verify that I was in town that weekend, having taken my grandson to the Airshow.