davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (NJ)

I requested my PMI be removed from my mortgage early as I have paiddown the balance early to reach 20 % equity. When I requested the PMIbe removed from my loan, I was told that I would have to pay {$150.00} fee to shshow that my home as not decreased in value. When I reach 22 % equity thethe PMI will automatically come off without me having to do anything. 
I have never been late and have paid extra on my mortgage. Theburden of proof is on the lender. I have made numerous improvementson my home including a new kitchen. If anything the value on my homehas increased. I have never been late and paid down my balance. 
There is no evidence to suggest that my home has decreased in valueyet they want another {$150.00} from me to remove the PMI. I have donewhat was needed to remove the PMI. Paid down the LTV below 80 % and notified them in writing to remove the PMI. My lender is US bank.
Consumer complaint received 2020-08-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OH)

PHH Mortgage issued a short sale approval letter XXXX, with an expiration date of XXXX. We submitted the final HUD for HUD approval to close and have not received final HUD approval. XXXX XXXX the real estate broker with XXXX XXXX called in and asked when can er expect to receive the HUD approval. PHH Mortgage said that the customer XXXX XXXX called in on XX/XX/XXXX and said that she doesn't want to do the short sale and that she wants to do a loan modification. XXXX XXXX called PHH Mortgage today XXXX and said she never called in to cancel the short sale. The title company met with the buyer and seller on XXXX to sign the final closing documents. The title company wired the funds to PHH and the {$3000.00} relocation assistance to the seller. The buyer now has possession of the home. XXXX XXXXortgage needs to issue final HUD for HUD approval so the title company can transfer the remaining funds and transfer the deed in the county.
Consumer complaint received 2020-04-15
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: American Credit Acceptance, LLC (WV)

We have numerous time have call this company since XX/XX/XXXX about our account which they take us off auto-pay try repossess our vehicle knowing we don't authorized this. The company don '' t call or email or text or send a letter in the mail saying payment not been made .So they decide try repossess our vehicle saying we were 4 month late take in mind this supposed to be in auto-pay we should not had to worried about this. At this time my husband was taking care of his mom before she pass away in XX/XX/XXXX and I was working about 70 hour a week.We don't have time to look at our bank account.again the payment should be coming out of our account All we asked is to remove all late payment and repossess off the credit report this stop us to get our loan on home. American Credit Acceptance has there money what the problem you know this was your fault and now trying to cover it..
Consumer complaint received 2022-12-30
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. (OR)

Currently have an account with XXXXXXXX XXXX XXXX. This is a line of credit. Balance on credit report has not changed in 3 months after several payments.

All three reporting credit agencies report wrong balance.

This affects my credit score. 

I believe XXXXXXXX XXXX XXXX is not reporting correct balances to credit agencies. 

XXXX  contact information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX Phone Number : ( XXXX ) XXXX
Consumer complaint received 2022-12-30
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rightsXXXX XXXX XXXX XXXX has violated my rightsXXXX 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 an account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (MA)

Barclays Bank Delaware sold a closed and charged off credit card account to a collection agency in XXXX ( XXXX XXXX ) The credit card account was opened in my name. Barclays states they no longer own this account and claim to have " no responsibility, access to files, or control over the reporting of this account whatsoever because they sold it. '' ( the account was sold for pennies on the dollar ) I personally spoke with a representative from the President 's office at Barclays Bank where I was given this information. But, Barclays Bank is continuing to report this account as one of their own active delinquent accounts to the three major credit bureaus, Barclays Bank is double reporting an account they do not own. Barclays bank is causing me significant harm by consistently reporting an account they already reported, charged off and sold. This account is being double reported ; the original creditor ( Barclays Bank ) is reporting this account monthly as an active past due account as well as a charged off and collections account. The collection agency that purchased the account ( XXXX XXXX XXXX ) is also reporting this account to all three major credit bureaus as an active collections account. 

XXXX XXXX XXXX is aggressively trying to obtain a judgment against me in court for this account. When the Attorney General for the Commonwealth of Massachusetts sued XXXX XXXX XXXX in XXXX the Commonwealth won a class action lawsuit against XXXX XXXX for violating numerous consumer protection and debt collections laws. A significant part of the settlement agreement ( in addition to the many millions of dollars they were ordered to pay ) XXXX XXXX agreed to halt collection activity against XXXX individuals such as myself. that only receive SSDI as a sole source of income. In the settlement XXXX XXXX agreed were ordered to stop collection activity from Social Security XXXX ( SSDI ) recipients. In short not only is XXXX XXXX in flagrant violation of the terms of their very own settlement agreement both Barclays Bank and XXXX XXXX are double reporting an account with inaccurate information for " profit and loss reporting purposes ''. As if all of this were not bad enough, the information being reported is completely wrong in terms of what was owed, what payments were made right up until the bank decided to take a charge off. XXXX XXXX is in violation of the law for breaching the terms of the settlement agreement signed by them and the AG 's office for the Commonwealth of Massachusetts. Barclays is in violation of the law for doubling reporting this account and continuing take it as a collections account and loss after they sold it.
Consumer complaint received 2022-04-01
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
PLEASE REMOVE AT ONCE. 

XXXX XXXX XXXX Opened XXXX Closed XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX $ Status/ Account charged off. {$130.00} written off pass due as of XX/XX/XXXX XXXX XXXX XXXX Potentially Negative Date XXXX Balance XXXX Status/Paid, Closed XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2.00} Status/Account charged XXXX $ written off. {$2.00} past due as of XXXX XXXX XXXX XXXX XXXX  /Pontentially Negative Balance - Status Paid/Closed date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$650.00} Status/ Account charged off. {$450.00} XXXX XXXX $ XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$910.00} Status/Collection Account. {$910.00} past due XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$370.00} Status/Account Charged off. {$250.00} writtenoff. {$370.00} pa XXXX XXXX XXXX XXXX {$100.00} Status /Closed
Consumer complaint received 2020-04-15
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. (GA)

I'm a victim of identity theft and and I have one fraud item still on my credit that I dont recognize not did I authorize!!! I would like it removed. I've applied with every thing that's been ask of me.
Consumer complaint received 2020-06-15
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 was engaged in a dispute with XXXX XXXX and XXXX concerning a booking with XXXX XXXX. The disputed charge was resolved by XXXX XXXX XXXX. A refund was issued to XXXX and subsequently XXXX issued a refund to XXXX XXXX to resolve the dispute. My credit reports improperly reflected the situation. The XXXX XXXX charge that I refused to pay was not a legitimate charge by XXXX. I have tried to engage Transunion, XXXX  and XXXX   and have been unsuccessful or they don't care to reflect the correction this situation requires.
Consumer complaint received 2020-04-15
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: Experian Information Solutions Inc. (NJ)

Our mortgage service provider has not been reporting our on-time payments on our existing mortgage account and is reporting this account as " discharged through chap. XXXX bankruptcy '' instead of reporting it " paid as agreed ''. Two separate disputes were filed with Experian and they refuse to correct the reporting.
Consumer complaint received 2024-04-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: Village Capital & Investment LLC (CT)

I have been contacting Village Capital and Investment since XX/XX/XXXX to provide the payment verification they sent to HUD to pay off a partial Claim from 2 years ago. 
This mortgage was paid off in XX/XX/XXXX. This was an FHA mortgage with a HUD Partial claim included in the mortgage. 
The payoff that Village Capital and Investment received back in XX/XX/XXXX included the hud partial claim amount of & XXXX. Village Capitaland Investment paid off their portion of the mortgage and sent me a lien release that the mortgage had been paid off. 
I contacted HUD for a release and they informed me the partial claim is still open, the lien is still on my property and they never received the payoff from Village Capital and Investment. I have been trying to get someone from Village Capital to tell me where the {$10.00}, XXXX went because it was not sent to HUD as the lien is still listed as open and unpaid lien on my property. 
The closing happened over 2 years ago and Village Capital and Investment never sent HUD the money to close this partial lien claim. 
I need Village Capital and Investment to pay HUD the money I paid Village Capital and Investment on their behalf.
Consumer complaint received 2020-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

This is an update for complaint number XXXX-XXXX. I just got off the phone with Capital One 360 about an email I received yesterday stating my checking account had been restricted. I was told that due to my balance being negative they closed my account and my tax return that had been deposited earlier this morning will have to be sent to me via check through the mail. I spoke to them a week ago on Friday, XX/XX/XXXX and was told my account would not be restricted until at the very earliest the XXXX and if I got my tax refund or my stimulus return before the XXXX I would be fine. Once again they did not uphold their promise.and/or gave false information. Because of this I am going to lose my residence, lose my only source of income because I can not get to my money for several days if not weeks, and my college degree because I will have no internet access. I do not have an address they can send the check to nor am I going to walk the streets with almost 2 grand in my pocket nor am I going to pay ridiculous prices and fees for a prepaid card. I do not have access to a phone so I can not open a new account with them and the local banks are closed and require money to open a new account and I can not do that because I do not have access to my money due to Capital One 's continuing negligence and dishonesty. I have asked for a copy of their policy and the terms of my contract regarding this issue and they have refused. Nowhere in their terms and conditionsdoes it say they will restrict your account within x amount of days of having a negative balance.
Consumer complaint received 2020-04-15
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$7500.00} XXXX XXXX  XXXX {$100.00}
Consumer complaint received 2020-04-15
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$7500.00} XXXX XXXX  XXXX {$100.00}
Consumer complaint received 2022-09-16
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I never closed my account with XXXX XXXX I told them to stop sending me catalogs and pre credit limits. They send it then I can't use it. I never closed any accountd
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (FL)

BJ 's Perks MasterCard My XX/XX/2020 statement was a PURCHASE balance of {$72.00} which was due on XX/XX/2020. 

On XX/XX/2020 I paid {$75.00} which appears on my XX/XX/2020 statement, within this same statement there is a {$6.00} Interest charge for purchases. 

However, the Purchases were Paid in Full prior to the due date of XX/XX/2020.
Consumer complaint received 2020-04-15
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. (CA)

Hello! I hope that this message finds you doing well and staying healthy. In XXXX of 2020 someone in New Jersey had my credit run at a XXXX XXXX and opened an account. I found out about it because it showed up as a hard inquiry on my Equifax credit report. I contacted both Equifax as well as XXXX XXXX. Both companies have assured me that this case has been closed and I have emails that document this. However, this hard inquiry remains present on my Equifax report. Therefore, my complaint is that even though this account has been found fraudulent, it remains on my report making my score lower than it should be. Can someone here please remove it from my report? Thank you so much! 

Additionally ( and maybe this should be filed separately ) but I also notice discrepancies between my XXXX  and Equifax accounts that I would love to have resolved. This is also evident in the differences between my two credit scores. Perhaps I can tackle both the hard inquiry issue as well as the different accounts on both Equifax and XXXX  in one go!
Consumer complaint received 2020-04-15
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. (OH)

I was looking into buying a car today and pulled my credit and found that someone was using my SS XXXX and DOB XXXX to open up credit cards and accounts! The following accounts are not mine : XXXX XXXX XXXX/XXXX  XXXXXXXXXXXX, 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, I have never had accounts with any of these companies. I am filing a complaint with FTC and CFPB. I WILL BE FILING A REPORT WITH FTC AS WELL. I respectfully demand that the transmitted data or documentation be provided. Also please include supplement ma-terials which verify that the accounts were established legally. I do not want just a cursory ac-count history, or address matching. I have requisitioned a detailed verification. If you can not meet these reasonable requests during the month ( 30 days ) following receipt, account summar-ies transmitted by the companies mentioned above must be considered false and may be-speak a statutory violation. In this case, they must be deleted without delay.
Consumer complaint received 2020-04-15
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo was advertising 2.66 % fixed APR refinance rate on the Internet through XXXX search. They asked very extensive questions about my credit history and property. I owe $ XXXX on a $ XXXX home ( 1st and small 2nd mortgage ). I wanted to consolidate and shorten my term. I currently have 3.25 %. My husband and I both have excellent credit ratings. XXXX! NEVER miss a payment. We have ZERO in credit card debt. Two minor car loans and mortgage. We have over $ XXXX in our retirement, accounts and $ XXXX in our bank accounts. Sound like the perfect couple to write a mortgage for? We are. 

So after I give all this personal info AND they run a credit check ( hurting my credit rating ), they came back with an offer of 3.2 %. Seriously? 

I asked if you can't give me that low rate exactly who gets it. hem, haw, hem, haw manager gets on phone and gives me a line of XXXX. I ask, how many loans did you and the rep I just spoke to personally make this week at 2.66 %? None. Well how about in the past month? None. So this is a bait and switch scam? Oh no no no. More BS. If you have a second mortage you didn't take out with the first, the rate is higher. Well that's absurd because the bank will not make a 2nd mortgage loan the day the first is written. They aren't allowed. So again, it means that no one gets that rate. Which was confirmed that the 2 people I talked to never gave that rate. So it's bull. If my husband and I, with our credit rating, savings, and track record, do not get this rate, no one does. 

Wells Fargo is a sleazy business. They should have been put out when they got caught cheating before. Do something. It's time for big money banks to be held accountable.
Consumer complaint received 2023-06-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

An XXXX XXXX card holder, XXXX XXXX, recently filed XXXX credit card charge back disputes of his {$5000.00} retainer fee payment for our legal goods/services for his girlfriend XXXX XXXX XXXX claiming that " item was not received. '' However, we provided proof to PayPal ( our merchant service ) that the item was in fact delivered to the client ( attached ). Please immediately reverse this dispute and stolen {$5000.00} from our account.
Consumer complaint received 2020-04-15
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. (FL)

i have several accounts that the credit bureaus have not properly investigated. for example, there is an account that shows under my name ( XXXX XXXX  ), however, this does not belong to me as the address that appears on their account is an address that i have never lived at. since this is reporting incorrectly, i believe the other negative remarks that are reporting are incorrect as well. since they have failed to properly investigate this, how am i to know that the other accounts are reporting accurate? all three credit bureaus have failed to properly investigate what i've been asking from them since XXXX of last year!