davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, 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. (WA)

After checking my credit reports on the federally provided link at XXXX : XXXX  ; with each credit report ; XXXX, XXXX & Transunion XXXX XXXX notice I have several fraudulent inquiries in which I am not familiar with nor did not authorized. The inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The Fair Credit Reporting Act requires that credit reporting agencies reports information accurately. However, TRANSUNION, XXXX, and XXXX  is reporting much of my consumer information inaccurately. For example, my auto loan and mortgage note should be the only items appearing on any of my credit reports because of substantial discrepancies in which exists elsewhere in my report. Moreover, FCRA requires " consistency '' between credit reporting, thus, to the extent TRANSUNION, XXXX, or XXXX  disputes these claims, complainant would be forced to provide proof of the inaccuracy the credit bureaus are liable for.
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CA)

Comenity Bank closed my Express credit card without the required notice informing me if I did not use the card before a specific date. I did not have 30 days as required for the state of CA. I never received correspondence informing me to utilized the card. If not, it would be close. When I reached out to the company, they informed me that there was nothing they could do. They couldnt locate a notice of anything informing of such action that was mailed or issued to me 30 days prior to my account closure. The only notice I received was when I called on XX/XX/13.
Consumer complaint received 2019-12-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (AZ)

XX/XX/2019 Consumer Protection Agency Please Help! 
In XX/XX/2019 I arranged for repair work for my home. The company doing the work arranged the financing of {$3800.00}. 
The payments contracted to Syncrony Bank in the amount of {$110.00} a month began in XX/XX/2019 due on the XXXX of the month. 
In XXXX the statement requested a payment of {$140.00} due to additional interest. I called the company but was only able to press number after number to a recorded message requesting the payment of {$140.00}. 
XXXX statement requested a payment of {$180.00} which included additional interest and a fee of {$38.00}. 
XXXX statement requested a payment of XXXX. Additional interest and fees. 
I was finally able to talk with a human being when a representative called me. He told me that any additional charges are treated by the Bank as purchases which accounts for the higher payment. I explained that I am on SS and do not have the financial ability to make such an increased monthly payment to which his reply was sorry. 
XXXX statement requested a payment of {$300.00}. 
XXXX statement requested a payment of {$360.00}. 
On XX/XX/2019 I received a call from a Syncrony bank representative asking for my XXXX payment. I told him I had been making my {$110.00} payment every month, and the one for XXXX had been sent. He told me since I hadnt paid the additional fees and interest, my payments were not accepted as the monthly payment. 
9 x {$110.00} = {$1100.00}. ( Paid YTD ) Original loan amount of {$3800.00} - {$1100.00} = {$2700.00}. 
My XXXX statement balance is {$3200.00}. So my balance is not going down and my payments are dramatically increasing. 
I dont understand this and I am very fearful that this company may eventually leave me among the homeless. I have experiences during my lifetime that showed me most of the laws and regulations favor businesses, institutions, or the government. Not a simple citizen.
Consumer complaint received 2019-12-31
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

XXXX XXXX XXXX XXXX XXXX is trying to foreclose with an illegal loan that was given to me by XXXX  XXXX XXXX  XXXX. This loan is securitized, void, unenforceable and in violation of ( 1 ) Federal Law. ( 2 ) Acceptance of a prohibited transaction for this trust. ( 3 ) Breach of trust. ( 4 ) Lender strictly violated Article II section 2.01 of the pooling and serving agreement ( Note and Mortgage via an assignment of Mortgage together with the Note, after the closing Date/startup Day. ( 5 ) Violation of sections 17 ( a ) ( 2 ) and17 ( a ) ( 3 ) of the securities Act [ 15 USC 77q ( a ) ( 3 ) ]. ( 6 ) My loan was paid in full by XXXX XXXX XXXX XXXX  with a ( SATISFACTION OF MORTGAGE ) XX/XX/XXXX, it was securitized and put into a MERs loan. How was XXXX XXXX able to refinance my loan? Then afterwards ( 7 ) The originator of my loan became XXXX XXXX, XXXX. XXXX XXXX XXXX sold my loan into the trust on XX/XX/XXXX.Therefore it is entirely impossible, short of specific documentation to substantiate a claim that XXXX XXXX XXXX could assign anything after XX/XX/XXXX. ( 8 ) XXXX XXXX  XXXX filed an assignment of Mortgage with the XXXX county clerk 's office. The assignments are invalid and Fraudulent. XXXX transferred an assignment to XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX a day after a summons and complaint was filed with the XXXX county clerk 's office from XXXX XXXX XXXX. on XX/XX/XXXX. ( 9 ) On XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX assigned XXXX to itself, how is that possible? ( 10 ) My Mortgage says ( pay to the order of blank ) with out recourse XXXX  XXXX XXXX  XXXX. Signed : XXXX XXXX ( Rubber Stamped ). ( 11 ) The Deed and the Note has become defective, renders the iDeed of Trust unenforceable. Massachusetts supreme court in U.S. Bank v. Ibenez ruled that a blank assignment is not sufficient to claim perfection. PLEASE INVESTIGATE THE LOANS AND ALL THE ABOVE POINTS.
Consumer complaint received 2019-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Currently my Trans Union Credit Report reflects 22 charge offs, my XXXX   credit report reflects 21 charge offs, and my XXXX credit report reflects 21 charge offs. These accounts date back to the years XXXX-XXXX  and once they were paid in full I requested that they be closed. I personally contacted the creditors and requested that they send me letters to reflect that the accounts were paid in full which I have attached. I am requesting that the incorrect and outdated information regarding the charge offs be removed from all 3 credit reports. In addition there is a creditor named XXXX XXXX XXXX and I have disputed this account for years. Initially it reflected as XXXX on my credit report and now they are under this name. I have never took out any student loans as my parents paid for my college education. I graduated from XXXX  XXXX  XXXX University in XXXX of XXXX. You can verify this information by contacting XXXX XXXX  XXXX University at XXXX. I have tried several times on my own to dispute and remove this incorrect fraudulent information however, nothing has ever been done. If you need any further information from my as old credit reports dating back to the tears XXXX-XXXX I will be happy to supply them. Please feel free to email me at XXXX or call me at XXXX if you have any further questions.
Consumer complaint received 2022-10-04
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-13
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2019-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I signed up for Transunion credit services and was charged XXXX I was able to stop this unknown subscription I had but I would like a refund. I signed up yesterday and the charge showed up in my account this morning. It says a FREE credit score check but I was still charged. I have had the account for less than 24 hours and would like a refund if possible.
Consumer complaint received 2022-01-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (TX)

I have never been late on my loan. PNC keep calling me telling me I missed a payment in XXXX of last year. I sent them all the documents proving that the payment was paid. This has been going on since XXXX. I have talked to 10 people they have everything they asked for and nothing has been done.I get called every week saying I'm late on my loan. They have reported me to the credit bureaus my credit score dropped XXXX points.
Consumer complaint received 2019-12-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RFNA, LP (AL)

I received a live check in the mail from Republic Finance and I didnt cash it. It was picked up by a family member and deposited into her account without my knowledge. I disregarded correspondence with this company because I assumed it was junk mail. Around the time they started legal action against me for a wage garnishment I was the primary XXXX for my XXXX XXXX  mother. I dont remember even receiving a court summons. My Mom eventually succumbed to XXXX XXXX and I went back to work and was surprised to find a big chunk of my pay missing. I have repeatedly informed this company that I didnt cash this check and this garnishment is causing me such extreme hardship that my utilities were disconnected and my XXXX year old daughter didnt get anything for XXXX. I cant afford to wait on them to keep investigating.
Consumer complaint received 2019-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

My loan servicing company gave me a payoff ( see attachment XXXX XXXX for XXXX, XXXX, XXXX with the projected payoff date of XX/XX/XXXX in the amount off {$800.00}. This is total amount of interest, {$12.00}, fees of {$720.00} XXXX break-down {$210.00} in XXXX XXXX, {$490.00} in XXXX, {$6.00} XXXX pres ), $ XXXX. and release fee of {$68.00} totaling {$800.00} which I paid please see attachment bank statement showing the withdrawal from my bank on XXXX XXXX in the amount of {$800.00} I have made repeated attempts to pay off my home, after making the above requested payoff I find addition fees with now having a additional payoff amount ( see attachment ) being {$240.00} with the principal balance {$0.00} interest {$0.00} fees {$170.00}, release fee {$68.00} ( the math is wrong ) ( see attached payoff dated XXXX XXXX ) I then call to inquire why, never really getting a satisfying response I paid the {$0.00} for the principal balance with the customer service by XXXX ACH PMT of {$1.00} then was later reversed leaving me with a principal balance off {$0.00}, but I also had my bank pay {$1.00} please see attachment, but I still have a principal balance of {$0.00}. 

These fees are fraudulent, and unsubstantiated after repeated requested to provide proof of fees, I was never provided proof and was told they didn't have too, and XXXX time I was told the fees included a abandoned property fee XXXX, {$250.00} paid to the city of XXXX, after talking to the city and proving that never happen it was then change to winterization fee, also never happen. The XXXX inspection report dated XX/XX/XXXX shows a fee of onl {$18.00} inspection, the inspector states it was only a visual inspection with no walk-thur completed and signs of rehab, I had a house fire XX/XX/XXXX and my Mortgage company took advantage of me then and continue to do so. I paid these fraudulent fees and still after paying new ones come right back.
Consumer complaint received 2023-11-27
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. (TX)

To whom this may concerns : My wife and I negotiated an apartment lease cancellation fee and subsequently paid a cancelation fee to XXXX XXXX XXXX  in the amount of USD XXXX. As a result, this fee brought our balance to USD XXXX. XXXX XXXX XXXX  incorrectly reported the fee of XXXX to XXXX XXXX XXXX. Subsequently, this has impacted me and my wife 's credit score with XXXX, Experian, and XXXX. We submitted written request, which included USPS certified mail, to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Experian, and XXXX requesting to remove the collection balance from our credit reports. 
Action dates : 1 ). On XX/XX/2023 a written request was sent via USPS certified mail asking to dispute account with original creditor. Letters were addressed to XXXX, XXXX, and Experian. 
2 ). On XX/XX/2023 a written request was sent via USPS certified mail asking to dispute account with original creditor. Letters were addressed to XXXX XXXX XXXX. 
3 ). Beginning XXXX through XX/XX/2023, multiple attempts made to XXXX XXXX XXXX to correct the issue they initiated. No response. 
4 ). On XX/XX/2023, my wife and I re-ran our credit reports to see if dispute was resolved. As of XX/XX/2023, the dispute is still active. 

Additional details available upon request.
Consumer complaint received 2020-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

I took out a mortgage for a condo in XXXX, FL in 2018 Escrow was NOT part of the mortgage loan. 
In XXXX XXXX sent the tax bill to the XXXX address, but I do not get mail there. 
So they notified the bank of the taxes due. 

Freedom Mortgage has been billing me : {$1700.00} every month for escrowing just my real estate taxes. The problem is : for 12 months my real estate tax is {$9300.00} for the year. Freedom Mortgage is billing me annualized : {$20000.00} for a {$9300.00} tax bill. 
Year to date they have collected from me : {$11000.00} for the escrow, I have surpassed the amount of the real estate tax due for the year and Freedom Mortgage will NOT stop billing me : {$1700.00} - they have already reported me late by 30 days to the credit bureau 's even after I disputed the charge. 

I have recorded my last call with them. 
So far I have at least 15 hours of calls in to them, no resolution. 
I have faxed them. I have emailed them. I have sent them messages thru their website for customers. I have in boxed their CEO, Senior VP, COO all via XXXX - no responses. 

Freedom Mortgage Corporation XXXX XXXX XXXX XXXX Mt. XXXX, NJ XXXX United States Lender NMLS ID : XXXX XXXX They are bad people who run a crooked business. 
I have filed complaints in NJ and FL with the regulatory entities for each state that oversee banking and lending. Hopefully, I will get some relief from someone. 

Also they lied and said my LTV ( Loan to Value ) fell below 80 % - LIE I put 50 % down in cash : owe them {$290000.00} and the recent appraisal for the property done by a bank ( I have it for sale ) came in at {$570000.00} - plenty of equity in the condo. 

NEVER, EVER TAKE A MORTGAGE FROM THESE PEOPLE.
Consumer complaint received 2019-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (DC)

I had a payment mixed up with Chase Amazon Rewards card in 2011 where they charged a bank account that I had closed instead of the account that I recently opened, as I instructed them to do. It was Chase 's mistake, but they assessed a punitive rate of 29.99 % against my account. It has been at that rate for nearly 9 years. 

In the ensuing 8 years, I have had no missed payments with any account. My credit profile is good enough to open two more substantial accounts with Chase at lower rates, including their premium Chase XXXX XXXX XXXX. Those accounts were opened without issue. Additionally, Chase Amazon Rewards increased my available balance. What they have not done is lower the interest rate. 

I called the company repeatedly over eight years to ask why the rate did not return to the normal rate after a credit review. The only response from customer service is that 'no one can lower the rate. ' The practice is obviously usurious and based on the proclivity of the company to try to catch people out. While perfectly legal, it's remarkable unethical. I can not understand why one account at Chase would carry the usurious rate while others carry the prime rate based on nothing in particular. I am disinclined to close the account because it's one of my older accounts and it will affect my credit reporting. Chase is not interested in fixing this issue or in retaining my business.
Consumer complaint received 2019-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Around XX/XX/2019, the bank froze electronic account access to my two credit card accounts. While the bank has my email address and phone number, I did not receive notification ( I am setup to receive notification ). I was not delinquent or behind as of XX/XX/2019. Around XX/XX/2019, I logged onto bankofamerica.com and found that I could not access any information or submit payments. Instead, all I saw was a message requiring me to call the banks phone number. When I called, I was told to verify my identity by going to a physical bank branch. I was not given an option to make payments ( by mail or by phone ). At no point until XX/XX/XXXX did the bank notify me of any security concerns. When I asked for a timeline to visit a branch, the representative told me there was no due date. However, on XX/XX/2019, I received a notice stating that all accounts and authorized users were closed out. Subsequently, I received a collection letter for around {$70.00}. 
I allege that the banks restrictions on my accounts were illegal and unfair. The bank should have at least reinstated my access to its payments or account information page when I called to inquire about the account freeze. At the time, the bank had other methods of verifying my identity via text message, email, or phone. The banks requirement to travel to a physical location seems to be unusual and inconvenient. Also, the bank did not accept or offer other methods of payment. 
Second, the bank acted illegally and deceptively when it suggested there was not a deadline to visit a branch ( per the recorded phone conversation ). The bank 's actions also affected authorized users, not just myself.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

Every dispute I file isnt being shown after receiving results completed in results file XXXX XXXX was disputed for reporting passed allotted time and shows false information of payment being received in XXXX and no payments have been made to them in nearly 10yrs this repossesion should be removed from creidit report
Consumer complaint received 2022-10-04
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (FL)

We purchased a new construction home in XX/XX/XXXX. Closed on XX/XX/XXXX. We mortgaged XXXX and currently owe XXXX. 

We received an appraisal on our property, which we paid for showing that our home is worth XXXX. We are in good standing with the mortgage company and requested PMI to be removed. 

We received a letter from LoanCare XX/XX/XXXX refusing to remove PMI even though we can show our homes XXXX is less than 80 %. 

Under the homeowners protection act we are requesting that PMI be removed.
Consumer complaint received 2019-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I originally submitted a dispute letter to TransUnion dated XX/XX/2019, requesting validation for a collection from XXXX and XXXX XXXX on my credit report. The letter was sent by certified mail/return receipt on XX/XX/2019, and delivered on XX/XX/2019, at XXXX XXXX. I NEVER received my dispute results! I only received a letter from XXXX directly dated XX/XX/2019, stating their client, XXXX XXXX XXXX, confirmed the outstanding balance without including any additional proof validating this debt belongs to me or that they own the debt. I followed up with another dispute dated XX/XX/2019, requesting TransUnion 's method of verification for the two collections, XXXX and XXXX XXXX, and a collection from XXXX XXXX, which I have disputed in the past. This letter was received by TransUnion on XX/XX/2019, at XXXX XXXX. TransUnion responded with a letter dated XX/XX/2019, verifying the XXXX XXXX   collection as accurate, and another letter dated XX/XX/2019, stating they would not investigate the XXXX and XXXX XXXX collections and FAILED to provide me once again with their method of verification procedures and validation of debt documents.