davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NC)

Earlier in the year ( around XXXX  ), I started conversations with my mortgage servicer ( lakeviewloanservicing ) about removing my PMI. The first agent who I spoke to regarding the amount I need to pay to remove PMI put me on hold and never came back. The next one gave me a number ( {$11000.00} - see XXXX statement attached ) and told me to pay to principal and then to send a subsequent email to ask to remove PMI. I conducted the exact tasks and then saw no movement and the PMI remained and I received a letter over a month later saying it can't be removed but no clear explanation why. So I spoke to another agent who gave me a different quote ( saying it should be 78 % instead of 80 % ), then another agent that gave me yet another quote. I then spoke to a supervisor to explain that nobody is able to tell me what to pay to remove this PMI. The supervisor also didn't know and had to open a ticket as they did not know how to calculate the amount to remove my PMI. They eventually send me a table from XXXX XXXX and told me to work it out for myself. While this is going on, I have incurred 2 more rounds of PMI payment. I finally figure out the amount myself from the Fannie Mae table and paid yet another large amount ( more than double the original quote - i paid another $ XXXX - see XXXX statement ) at the beginning of XXXX. I finally got a letter mid XXXX to say it has been removed. My payment due for XXXX then dropped by {$200.00} ( the PMI amount for my XXXX payment - due XX/XX/XXXX ) then during XXXX I get an escrow analysis letter saying my payment for XXXX is jumping up by {$270.00} ( see XXXX statement ), partially for property taxes but the PMI reappeared. I complained yet again and they said it needs 30 days from PMI removal date to reflect in my escrow. We get to 30 days later and its still there so I call again and they said they will have it removed by mid XXXX. my XXXX XXXX it hadn't been removed so I call again and they say they will escalate it to be resolved within 24-48hrs so it doesn't end up in my XXXX payment. They didn't and now I have had to pay the extra {$200.00} yet again for XXXX. 

I can not seem to get this company to remove my PMI although I have paid all the amounts required. They keep promising but it is not going away and it is costing me {$200.00} per month. I have now overpaid PMI for many more months than I should have ( between them not being able to calculate the amount and then when I finally figure out the amount they cant seem to administer it ). I called again today to ask why it still hasn't removed and they are now saying XXXX due date to get it resolved. I explained that it should have been resolved in 24-48hrs as promised and I have been on hold for over 30 mins so I think they have basically left me hanging again without a resolution.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-25
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: EQUIFAX, INC. (MD)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2021-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (IL)

This is a 2nd notification that I've received from Telecheck Recovery Services that I owe {$500.00}. I've spoken with my bank reps, and was informed their banking records indicate no such transaction ever took place. Also, I didn't visit the XXXX XXXX on XX/XX/2021. I've disputed this with TRS, and they insist on me filing fraud papers. Once again, this transaction never took place. As a result of this false information in my record, I've been embarrassed, as any check that I present to a retailer is being declined due to this information in my record.
Consumer complaint received 2021-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo granted and approved Covid-19 related forbearance plan of missed payments to be placed as second mortgage. 
Now they are denying the option after what they told me was approved ( on a phone recording ). No reason other than process has changed. 
I received No communication, no letters, nor calls regarding any changes are requested information ... So I call to resume payments and discover they are denying assistance for which they verbally stated was already approved, documented on their computer as approved in a recorded phone call. 

I have made numerous calls and I am bewildered why an approved wells Fargo deferral of payments to a second mortgage is now being denied under a covid related Cares Act measure of relief.
Consumer complaint received 2021-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CA)

I had an outstanding debt to XXXX XXXX for {$4300.00} that I settled and paid. Acknowledgement of Full Satisfaction of Judgement in association with this debt was filed on XX/XX/XXXX with the Superior Court of California , County of XXXX by the legal judgement creditor XXXX XXXX XXXX XXXX ( assigned of record LVNV Funding, LLC ). The case number was XXXX. 
After the judgement was satisfied in full, XXXX XXXX XXXX has contacted me 3 times by letter trying to collect this debt. Each time, I have responded within 30 days to let them know that the debt has been settled and that I dispute any further obligation in relation to the debt. Despite my attempts to send them copies of the court documents to prove the settlement of the debt, they continue to reach out to me regularly stating that their records show that I still owe the debt or that they are collecting on behalf of another company. 
At this point, I no longer want to be contacted by them because I realize they do not care that the debt no longer exists since they dismiss the proof I have provided. 
Letters they sent and response dates : 1. Letter dated XX/XX/XXXX, I responded on XX/XX/XXXX 2. Letter dated XX/XX/XXXX, I responded on XX/XX/XXXX 3. Letter dated XX/XX/XXXX, I responded XX/XX/XXXX I am including a copy of each of the 3 letters that I sent in reply to them and I am also attaching a copy of the Acknowledgement of Full Satisfaction of Judgement from the court.

I have also received a letter from XXXX XXXX XXXX XXXX  and 3 letters from XXXX XXXX XXXX in relation to this debt ; all of which I responded to. Please also see these letters attached here. 
Thank you for your assistance!
Consumer complaint received 2021-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (WI)

I had a credit card opened in her name with a bill for {$1500.00} in XX/XX/XXXX. I was not aware of this until I received a letter from XXXX XXXX XXXX stating that I owed {$1500.00}. I received the letter on XX/XX/XXXX, I ignored it as it appeared to be a bogus claim as I had not opened a PayPal credit card. 

I received letters from XXXX law firm threatening to sue me for the owed debt if I did not pay. I contacted the XXXX law firm and refused to give them my SSN or any other identifying personal information. The law firm sent me documents indicating that the debt was for scuba equipment purchased in Florida, I did not make such a purchase. 

I have filed a fraud complaint with my local police department in XXXX XXXX Wisconsin.
Consumer complaint received 2021-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

On my Equifax credit report there is an old XXXX XXXX credit card account ending in XXXX. I only have XXXX XXXX  XXXX credit card account ending in XXXX. This XXXX account was a replacement for the XXXX, therefore the account ending in XXXX is irrelevant and needs to be deleted.
Consumer complaint received 2024-03-25
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: EQUIFAX, INC. (IL)

I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Consumer complaint received 2021-08-10
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. (OH)

Ive contacted XXXX XXXX XXXX regarding payments and I spoke with XXXX. I know it's been a rough year for everyone, including myself. However, today has become much harder due to a notice I received from the credit report agencies ( TransUnion, XXXX, & XXXX  ) stating theres a 30-days delinquency reporting for XXXX XXXX XXXX. I was affected by the coronavirus pandemic, but my account is current. According to the CARES Act : If my account is delinquent and I make an agreement to bring my account current, the creditor must report that I am current on my loan or account. 

Please remove the 30-days late payment and update my credit reports reflecting current status. This will help me get back on track. 

This has hurt my credit tremendously. My taxes are still being processed since XXXX. My unemployment payment was released due loss of income due to Covid-19.

The CARES Act places special requirements on companies such as XXXX XXXX XXXX, that report any payment information to credit reporting agencies. Those requirements apply to me as a consumer because I was affected by the coronavirus pandemic.
Consumer complaint received 2021-08-03
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. (FL)

I would like to inform that I become a victim of Identity theft. I can not explained how that happened but recently bureaus filed accounts that are not mine. Moreover I am not connected to these companies of accounts. I have never done anything with the. Accounts are wrong, amounts are wrong, everything is wrong and not mine. So please delete them ASAP
Consumer complaint received 2024-02-05
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: EQUIFAX, INC. (FL)

I have constantly contested the inaccuracies in the following information with Equifax, unfortunately, the issue remains unresolved to this day. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2021-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

TODAYS DATE : XX/XX/XXXX PORTFOLIO RECOV ASSOC XXXX XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PORTFOLIO RECOV ASSOC XXXX XXXXXXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-08-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LTD Financial Services, L.P. (AZ)

LTD acquisitions LLC is reporting a collections account on my credit from XXXX XXXX XXXX XXXX I have never heard of XXXX XXXX XXXX XXXX and i have never been to Missouri.

I have attempted to call LTD acquisitions several times but they never answer.

I never signed any documents for this debt as i have never heard of it, the original creditor, or the collection agency. 

I have never received notice of this debt either.
Consumer complaint received 2022-10-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (NC)

XXXX XXXX XXXX XXXX continues to report to XXXX ( 2 ) unpaid debts that were paid directly to XXXX. This is a violation of my rights under the FCRA and I want this company to remove this from my credit report immediately and stop all communications regarding this. 
Also through research, I have read in muliple sources that medical bills under {$500.00} will not be reported to credit bureaus any longer.
Consumer complaint received 2021-08-09
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: INDEPENDENT BANK CORP. (MA)

On XX/XX/2021 I disputed the balance of my mortgage with Rockland Trust to XXXX  through XXXX XXXX. Instead of updating the balance, Rockland Trust was totally removed from my credit report. I have been going back and forth with Rockland Trust and XXXX. Rockland Trust says XXXX  has to request information to put Rockland Trust back onto my credit report and XXXX  says the Rockland Trust has to report my mortgage to XXXX. I was also told by XXXX and by XXXX at XXXX  that even if I send a letter to XXXX  from Rockland Trust stating my mortgage is in good standing along with my mortgage statement, they will question the validity of the documents because they are coming from consumer ( me ) and not from actual creditor, Rockland Trust. Pease help. My credit score is affected.
Consumer complaint received 2021-08-03
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: LEXISNEXIS (GA)

I sent a letter to Lexis Nexis on XX/XX/2021about inaccurate, incorrect information they are reporting to credit reporting agencies. This information was provided to a potential employer and has caused me to not gain employment because of the inaccurate false public information they have on my report. I'm not sure how they were able to provide this inaccurate information becuase I contacted the court and they told me they DO NOT report information to credit reporting or any third parties companies. This is a violation to my right to privacy and I want this information to be deleted from their system and any other agencies such as XXXX, XXXX, and XXXX. This company had no permission to report anything concerning my information. Under the FCRA law no consent is identity theft. It is not fair that you can just snoop around my business that has nothing to do with you. I never asked or gave you my consent written or by mouth to report any of my information. if you fail to comply I will file legal action for XXXX  you have caused me
Consumer complaint received 2021-08-04
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: JPMORGAN CHASE & CO. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2023-01-22
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (AL)

This company is a debt collector and has put information about me on my consumer report. I have no affiliation with this company nor do I know who this company is. I have not given them any permission to use my information.
Consumer complaint received 2021-08-10
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. (TN)

XXXX allowed XXXX University to use my taxes and put me on a loan that I never agreed to or signed for. I provided my taxes so my daughter would be better able to receive the aid she needed for her college. I never signed or agreed to be a cosigner. They filled out a loan and stole my information.
Consumer complaint received 2021-08-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (OH)

My due date is normally the XXXX of each month. Much to my surprise, the bank changed my due date to the XXXX of each month without me knowing. Furthermore, I paid my bill at XXXX XXXX  PDT XX/XX/XXXX but the bank translated this ti XXXX EST. on XX/XX/XXXX. The specific time in which the payment was due is never mentioned on the contract and I had assumed paying at XXXX PDT will make my payment post the same day. 

Finally, according to the contract, the charge for late fees are either {$29.00} for a first time late payment or {$40.00} for every additional late payment. The fee I was charged of {$36.00} was not listed as one of the charges on my contractual agreement, and thus, I believe, is invalid. The fact that the bank changed my due date against my will, charged me for a payment that was made at the correct time in my time zone ( which they were ambiguous about in their contract ), and charged me a late fee that did not match their policy, makes the late fee charge invalid.
Consumer complaint received 2021-08-03
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

I had an {$8000.00} limit on my USAA credit card. I paid the card off using the service of XXXX XXXX XXXX XXXX. Before I did so, I called USAA customer service which verified the balance with me. Months later I received a letter saying that I had a {$1.00} balance. USAA credit card company reported my account late for payment to the credit bureau for {$1.00}. I called the company to dispute it and they refused to help me.
Consumer complaint received 2021-08-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

No contract with the company, I disputed with the original creditor in the past and it was removed from my report due to a fraud account. My identity has been compromised and used for goods and services that I have no knowledge of.