davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-10
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

In XX/XX/2017, I purchased a house with my ex fianc who is XXXX/XXXX XXXX. A quitclaim deed was included in the closing documents package. I signed all the closing documents as lender and ex fianc directed to me. After the closing I found out I lost the house at the time I purchased the house. Now Im responsible for the mortgage of the house I never owned. Currently the ex fianc and his wife are living in the house. They are not making the mortgage payment. Lender filed law suit against me for the mortgage {$250000.00}. 
I reached out to the lender asking for the explanation why the quitclaim deed was part of mortgage documents. They said they were not aware of it and Im still responsible for the mortgage.
Consumer complaint received 2020-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (LA)

Over the past several years, I have made multiple requests to my mortgage lender, Freedom Mortgage, to drop private mortgage insurance from my monthly statements. I have never missed a payment in the 9 years of the loan and actually reduced the LTV on the mortgage to below 78 % years ahead of schedule. Today, the LTV on the loan is 71 %, but Freedom Mortgage refuses to drop PMI unless I pay for an appraisal proving my home 's value ( which has only increased over the years ). I have repeatedly refused to pay for an appraisal, because my understanding is that PMI must be removed automatically at 78 % LTV, which was achieved approximately 3 years ago. At {$86.00} per month, I've paid over {$3000.00} in additional PMI since it should have been removed. In hindsight, an appraisal would have cost me much less, though it isn't required once LTV reaches 78 %, and I don't want to give Freedom Mortgage the satisfaction of bullying me into another unnecessary expense.
Consumer complaint received 2020-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AL)

I have tried to resolve this through several emails and calls with the MyLoanCare, with varying support and guidance each time I connected with the company ( i.e. request an escrow analysis, open the tax line, provide certain documentation, etc. ). I work for a bank and often handle CFPB requests ( for a different product ) so I'm only writing this complaint as a last resort. 

When my taxes were paid in XX/XX/XXXX it was at the non-homestead rate, approximately {$8500.00}. That amount was correct, as we did not have the homestead exemption for that year. I am NOT contesting the tax payment that was made in XX/XX/XXXX. However, when we refinanced our home ( this loan was then sold to MyLoanCare for servicing ) in XX/XX/XXXX, we were then able to successfully file for homestead on this property. This exemption effectively reduces our tax bill to approximately {$4200.00}. 

I provided the required documentation to MyLoanCare including the homestead approval, deed to the house, and tax assessor assessment record. I have attached that documentation to this complaint. My remaining issues are : 1 ) The estimated tax disbursement is FINALLY reflecting the {$4200.00} payment. However, the corresponding escrow amount is still accruing to the {$8500.00} rate ( actually higher, see issue 2 below ). This is resulting in an over-accrual for the tax disbursement that will occur inXX/XX/XXXX. 

2 ) When an escrow analysis was completed ( either per a request I filed or per usual company procedures ), it projected a shortfall of {$2.00} for the year. First, this analysis was done using the higher {$8500.00} rate. Second, the company has increased my payment by approximately $ 50/mo, or {$600.00} for the year, to cover this projected shortfall.
Consumer complaint received 2022-10-05
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. (NC)

My name is XXXX XXXX. 
I recently tried to dispute this to be taken off my credit because the address on my credit report arnt mine. XXXX XXXX XXXX XXXX XXXX has an account listed on my credit report with someone by the name of XXXX XXXX XXXX who I have no relations to, as the account being closed and having a total of {$13000.00}. This account says the address is in XXXX, VA which dated back to 2018. Ive been living in XXXX, NC for almost 10 years.This account is still hitting my credit just recently as of XX/XX/XXXX even though its stated as closed with someone elses name that isnt mine, someone elses address that isnt mine and the amount they owed.
Consumer complaint received 2021-06-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/2021 around XXXX, I wanted to log into my chase bank account and found out that my account was locked. I called chase bank at XXXX XXXX that same day to know why my account was locked and the agent that I spoke with told me that my account has been closed and I can not bank with chase bank anymore, the money that is in my will be mailed to me in seven ( 7 ) to ten ( 10 ) business days either as cash or by check. The agent refused to tell me the reason for my account being closed when asked. I told him that I need the money to put it in another account in order to take care of my financial obligations and he said nothing could be done about it.
Consumer complaint received 2020-06-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

i have ask TRANSUNION TO REMOVE THESE ACCOUNT I HAVE YET TO HEAR A WORD FROM HIM.
Consumer complaint received 2020-01-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sterling & Associates, LLC (GA)

I had spoken with Sterling and Associates before I started working at this company that I work at currently. Somehow they got my phone number as I did not give it to them. I told them that I did not give them my phone number voluntarily and they said they knew that I did not. I would like for this company to not contact me at my place of employment.
Consumer complaint received 2023-06-28
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 2020-01-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (GA)

My name is XXXX XXXX and the purpose of this complaint is in regards to PNC Bank commercial mortgages. Under the promise of a better banking experience, I refinanced my commercial office condo loan with PNC in the fall of XX/XX/2018. I did so, because my first lender failed to provide sufficient online access to my mortgage information. I worked with a specific banker, XXXX XXXX, who promised me, that by moving the mortgage to PNC, that I would have online access to statements, along with complete mortgage transaction history. This was important to me, because, as I shared with her, my goal was to pay off this mortgage early. The experience with PNC has been the opposite of what was promised. Not only are there no online statements available, nor any online transaction history, PNC doesn't even mail a monthly statement on this mortgage. Due to the poor experience, I'm in the process of changing over to XXXX XXXX for all my business banking. And I wanted to refinance my mortgage with XXXX as well. That's when I ran into the worst of all the PNC surprises. Although I specifically addressed with XXXX XXXX, my desire to have no early pre-payment penalties, she managed to sneak that language into my mortgage contract. To me, resolution is simple : eliminate the immoral pre-payment penalty on the office condo mortgage and permit me to transfer out my office condo mortgage to XXXX, a bank which appears able to fulfill its promises more than PNC.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 2020-06-10
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: R & B Corporation of Virginia (GA)

CREDIT CONTROL CORPORATI Reported : XX/XX/2020 {$140.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Consumer complaint received 2019-11-25
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: EQUIFAX, INC. (AL)

There are several inaccurate items that is reporting on my credit file : XXXX XXXXXXXX is inaccurately reporting on my Equifax. This is not mine. 

XXXX XXXX is not my account and it is inaccurately reporting on my XXXX. 

XXXX XXXX XXXX is not my account and it is inaccurately reporting on my XXXX. 

Incorrect Addresses : XXXX XXXX and XXXX XXXX
Consumer complaint received 2022-12-27
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX 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 2020-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

My mortgage is with United Wholesale Mortgage. currently my taxes and insurance are impounded and paid by United Wholesale Mortgage. The disbursed a total of {$8800.00} from my escrow account to pay my XXXX XXXX County Tax bill. This money has not been received by XXXX XXXX County and I've been charged penalties of hundreds of dollars because of this. Not only have I received penalties for the non payment of my property tax I've also lost my interest rate while trying to refinance my loan. I've been calling United Wholesale Mortgage for over a month and they have no resolve. I also sent them a copy of my delinquent tax bill. These taxes were due months ago and I really need a resolution. I don't pay my bills late and this has caused me a great deal of stress.
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to dispute the account on my credit report which I believe is fraudulent. Upon reviewing my credit report, I discovered an unauthorized account that had been opened without my knowledge or consent. The details of this fraudulent accounts as follows XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-12
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX 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 ACC # XXXX XXXX XXXX  ACC #  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX   PLEASE UPDATE MY ADDRESS TO CREDIT REPROT XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX THESE ARE FRAUDULENT ADDRESSES XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX PLEASE UPDATE MY PHONE NUMBER TO FRAUD ALERT 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 XXXX 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/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX  notified me via email that my dispute was open, however, I was not immediately able to access the dispute and further there is consideration that all three credit report ( s ) are being dispute with knowledge that I have not been able to fully view XXXX Credit Report and the sites only allow limited space to refute information and/or allow a blanket statement. Therefore, I am attaching my full statement as it pertains to the dispute on my credit report ( s ), et al. in addition to my past credit reports that have already been submitted.
Consumer complaint received 2020-01-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (OH)

Got a call from Midwest Recovery Systems XXXX spoke to XXXX on XX/XX/XXXX at XXXX EST about a debt that appeared on my credit report on XX/XX/XXXX. He stated it was from a loan from XXXX XXXX XXXX from XX/XX/XXXX via XXXX XXXX of XXXX Florida for {$5000.00}. Stated that I owed {$7900.00} on the loan. I live in Ohio and have never opened any accounts in Florida he stated I needed to file a police report and he would send the documentation over to me. I never received anything from him or anyone else. I monitor my credit report closely and this has never been on any reports. I found there are over 600 complaints in the last three years similar to this against this company which has resulted in the XXXX revoking their Accreditation. While I will still file a police report I also wanted to file a complaint with CFPB as I am sure there are others dealing with this same scam.
Consumer complaint received 2023-06-28
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  ( Account Name - XXXX XXXX XXXX, Account # XXXX ) ( Account Name - XXXX XXXX XXXX XXXX, Account # XXXX ) ( Account Name - XXXX XXXX XXXX XXXX, Account # XXXX ) ( Account Name - XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-13
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (FL)

I mailed a dispute letter for this account on XX/XX/XXXX stating that the charged for this account from XXXX 's XXXX was not accurate. In that letter, I explained that I ordered a sofa that was not delivered and was charged for on XXXX XXXX. I also asked for the signed delivery receipt to ensure it was delivered to the correct address as I did not sign for it. Please review the letter sent. this was also disputed with the credit bureaus as it now reports as a late or past due payment. 

XX/XX/XXXX As per the previous message, we have made it passed the 60 days to allow time for your organization to review the disputed information. To date, I have not received any results or updates via email, mail, or direct message showing the requested verification of the purchase and delivery. At this time, my account is reflecting as past due and is accruing late charges. If the results of the investigation were mailed, please provide the tracking number and information so I may validate the arrival of the results within the proper time frame. If the proper method of verification has not been completed as requested in the previous message chain, my request is to have this dispute closed as it is beyond the time legal frame for completion of an investigation, and I would request that the balance be reflected as XXXX, with no known knowledge, and it should be removed from my account and from the credit bureaus. As of this date, there are no late payment reflections on my account, and I would like to keep it that way as I have been more than cooperative in handling this dispute in a timely and proactive manner. Thanks, XXXX, XXXX.
Consumer complaint received 2020-06-10
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. (FL)

I have call XXXX  several times to request that they remove several inquires that is on my credit profile I would like these applications removed I have already sent them my photo ID and ftc report on file I HAVE FRAUDULENT APPLICATION ON MY CREDIT PROFILE 1.XXXX  XXXX  XX/XX/XXXX 2XXXX XXXX XX/XX/XXXX 3.XXXX  XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX  XXXX XX/XX/XXXX 7.XXXX XXXX XXXX 8.XXXX XXXX XX/XX/XXXX 9.XXXX  XXXX XX/XX/XXXX 10. XXXX  XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-01-03
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)

The bureau is reporting an account for XXXX XXXX as closed/ charged off that does not belong to me and it's affecting my ability to obtain new credit. I have disputed this account already months ago to no avail.
Consumer complaint received 2020-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The bureau is reporting an account for XXXX XXXX as closed/ charged off that does not belong to me and it's affecting my ability to obtain new credit. I have disputed this account already months ago to no avail.