davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

This is for XXXX XXXX XXXX XXXX  XXXX FL XXXX It seems like PennyMac has still been playing a lot of games with us. By raising our mortgage payments tremendously. I had filed a report about this before. They still trying to say I'll tax bill went up by thousands of dollars per year. However when speaking to the tax department tax bill has only went up by {$300.00} more a year.. We are having trouble trying to pay this increase which is causing a problem. They had increased it by so many hundreds of dollars per month. We had apply for the streamline refinance which we was told to apply for. We've applied for that almost 2 months ago. We was promised during that conversation, that the streamline would be fast. That it would take about 30 days. However it's taken basically 2 months now at this point.. they seem to have misrepresent the streamline refinance itself. We was also told that we would not have to make a payment in XXXX knowing that we just applied for the streamline back two months ago. Now we're being told no we would have to pay XXXX 's payment, and yet we're being told about it at the last minute. It seems that PennyMac has not been communicating with us the right way. Nevertheless misrepresenting their products that they offer. This complete increase is causing a lot of problems. We supposed to have a FHA loan with a fixed rate for 30 years. However it seems like that's not what we have, and this increase is going to cause nothing but hardship for us moving forward... I don't understand how a streamline could go on to almost 3 months that's what it looks like, based on what we're hearing now to do. When we was told it should only take about 30 days. The reason why I'm having the problem with the payments now, is because of the fact they increase my monthly mortgage payments with higher amounts. Due to the fact they wanted more money in escrow.
Consumer complaint received 2022-03-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Receivables Group, Inc. (VA)

On XX/XX/XXXX I received a call from healthcare receivables stating I owed a debt, when they asked if I was who I was and what my DOB was I would not provide them that information and they would hang up. They called me once a week for about 3 months. Every time they called I asked for them to validate who they were and where they were calling from, each time they would say we cant release that information until we know its you I never once received anything in writing stating who they were or where this debt came from. On XX/XX/XXXX I sent a certified letter, a debt validation letter, asking them to send me an itemized bill along with a contract that I signed stating that I had the debt they were claiming I owed. It has been over 30 days and there has been no contact from Healthcare Receivables.
Consumer complaint received 2022-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IL)

Hello, I am out of the country. Received a payoff quote and paid my mortgage off online on XX/XX/XXXX of 2022. Mortgage company accepted my payment but did not acknowledge a payoff and keeps my mortgage open with remaining principal balance. Now I have to send them an additional funds to close the mortgage. The name of the company is Freedom Mortgage.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: AppFolio, Inc. (GA)

" Adverse action letter ' dated XX/XX/XXXX @ XXXX Indicated " rental history ' was the reason for denial -- namely a tenant screening report that references a 'Dispossessory ' {$300.00} which was actually a 'Consent Agreement ' in my ( Defendant ) favor of {$300.00} which represented a a security deposit to be returned and court document noted : " Tenant has vacated the property. '' XXXX XXXX XXXX. See Consent Agreement Date d XXXX The other error indicated that I used an alias " XXXX XXXX XXXX '' which is false whereas another person resides at the address by that name.
Consumer complaint received 2022-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (VA)

In XXXX I moved from XXXX XXXXXXXX XXXX XXXX XXXX XXXX I rented an apartment, sight unseen from XXXX XXXX XXXX. When I arrived the apartment was not what was expected and due to medical issues, it was not accessible for me. I tried to refuse to take possession but was told that since I had a contract, I was responsible for the rent rather I took the apartment or not. I moved in and set up the account with XXXX XXXX XXXX acct # XXXX. I stayed in the apartment for less than a week, since I was having constant XXXXXXXX XXXX. So I moved in in XXXX was gone by XXXX and had rented another apartment by XXXX. I paid for at least XXXX months of service with XXXX but they continued to bill me. I spoke with them in XXXX and XXXX trying to get this taken care of. The apartment complex should have taken over the service when my lease was canceled. I do not know if they rented the apartment out or used it as a model apartment. Whichever, I should not be responsible for the bill of {$430.00}. XXXX has once again sent this bill to collections.
Consumer complaint received 2022-03-24
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. (OH)

TRANSUNION HAS FAILED TO REPORT ANY OF MY LOANS ON THERE SITE OR APP ALONG WITH XXXX I HAVE CALLED OVER XXXX TIMES TO BE MET WITH OUR SYSTEM IS DOWN THEY SHOW NOTHING NEW I HAVE 3 LOANS INCLUDING A XXXX CAR LOAN NOTHING AND THEY REFUSE TO FIX THE ISSUE
Consumer complaint received 2022-10-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am not letting this claim go. Bank of America is not addressing the legal action I took in order to get this FRAUDULENT charge reversed and I will not stop this process until it is reversed. Also, I filed a complaint with the Washington State Attorney General 's office. Please see the previous TWO complaints I have already submitted. Also, the phone number of the person " helping '' me resolve this claim is unreachable per the phone number and extension she provides. 

XXXX XXXX Resolution Specialist Regulatory Complaint Department Bank of America XXXX, XXXX XXXX I will keep filing these complaints until my concerns are addressed.
Consumer complaint received 2022-03-24
Product: Mortgage — FHA mortgage
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. (FL)

Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 




XXXX  / XXXX / {$140000.00}
Consumer complaint received 2022-03-24
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. (CA)

XXXX XXXX Inaccurate, must remove ( never had this accXXXX XXXX XXXX XXXXXXXX. Inaccurate, must remove ( never had this acct. ) XXXX XXXX XXXXXXXX Inaccurate, must remove ( never had this acct.XXXX XXXX XXXX Inaccurate, must remove ( never had this acctXXXX XXXX XXXX XXXX. Inaccurate, must remove ( never had this acct. XXXX XXXX Inaccurate, must remove ( never had this acct. XXXX XXXX XXXX, must remove both acct. ( never had this ACCT. )
Consumer complaint received 2022-03-24
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX XXXX XXXX / XXXX / {$350000.00}
Consumer complaint received 2022-03-24
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX XXXX XXXX / XXXX / {$350000.00}
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DC)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXXXXXX XXXX  - Account Number:XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-07-19
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: EQUIFAX, INC. (NY)

XXXX XXXX - ( XXXX ) XX/XX/XXXX XXXX XXXX  - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX - ( XXXX ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - ( XXXX ) XX/XX/XXXX I am submitting a complaint on the inquiries I have received from above. I have not authorized these companies to view my credit history. I am requesting to have the above credit inquiries removed from my credit report. I have not authorized these companies to view my credit history, and I believe that their presence on my report violates the Fair Credit Reporting Act.
Consumer complaint received 2022-12-09
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)

I want to inform the credit bureaus AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX BANK XX/XX/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 2017-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (LA)

I received a Notice of Servicing Transfer on XXXX/XXXX/XXXX stating that XXXX XXXX sold my loan to Carrington Mtg Services LLC effective XXXX/XXXX/XXXX. I called Carrington Mtg on XXXX/XXXX/XXXX to see what my new account number will be to reference on my mortgage payments. They stated that it will take 4-6 weeks for them to board my loan and that I need to call back every week to see if they have put my loan on the system. They state they ca n't accept a payment until it is on the system & they claim I wo n't be late until 60 days after the transfer. They ca n't give me anything in writing stating this & its absurd that I have to call every week to see if they did their job to make a payment on my mortgage.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-10-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: VW Credit, Inc (KY)

My loan with VW Credit originated in the State of XXXX. End of XXXX, I moved to XXXX XXXX. Since XXXX I have been trying to get a state transfer to my local County Office that handles auto registration. I spoke with XXXX at VW Credit who stated it was electronic, but he would have this info sent on XX/XX/2021. No info arrived to my Clerk 's office so I then called and spoke with Manager XXXX on XX/XX/2021. 

VW Finance will not send the document I need to transfer my car and get it registered in XXXX.

This is ridiculous, I have already went thru two temporary license tags.
Consumer complaint received 2021-10-27
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: M&T BANK CORPORATION (NJ)

I have had this mortgage since about XXXX and therefore have made over 120 mortgage payments on this account to M+T Bank and its predecessor. I have never been thirty days past due on this or any other mortgage, ever. 
In XXXX of XXXX I had approximately {$200000.00} in my checking account and so there is no financial hardship. I have complete ability to pay a {$2800.00} mortgage. 
On or about XX/XX/XXXX, I attempted a payment by phone of the mortgage payment at the phone number identified on the XXXX mortgage statement. I have done this routinely over the years without an issue. The payment was noted to be completed and I was then instructed to hang up by the voice system. And so I did, I never received any call, letter or email from M+T Bank that my XXXX payment was missing or that it did not process correctly. 
I received an alert in early XXXX from XXXX on a weekend that my M+T account had gone 30 days past due. I was shocked, and I immediately called M+T when business reopened the next Monday. They advised that they had no record of my XXXX payment. They also said they tried to contact me at XXXX which is an old employer phone number. I found that surprising since they had my cell number at XXXX.. 
M+T was completely unhelpful to me as a customer and failed to take responsibility for the failure of their phone system, despite my exemplary record of payment. 
I immediately paid the so called missing payment and the account was brought current no later than XX/XX/XXXX, the first business day after I learned of the problem with the phone system.. 
M+T is responsible for this payment issue, not me. My past record of payments with them and my checking account funds support the notion that there was no reason for me not to make the payment and it was due to their error that it did not complete.
Consumer complaint received 2022-03-24
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. (FL)

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights as a consumer : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 15 USC 1681 section 602 ( A ) states I have a right to privacy.

15 USC 1681 section 604 ( A ) section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me ( consumer ) to have anything written on my credit report and I never gave authorization for that.
Consumer complaint received 2022-03-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION (CA)

I applied for a manufactured home refinance loan online with Nation 's Lending. They reached out to me after I inquired on a random website about current mortgage rates. The contact 's name is XXXX XXXX. He informed me that his company was the # 1 lender for manufactured homes. Unfortunately I applied on their website and provided all the necessary information, W2 's, copy of my current mortgage statement, tax returns, etc, I authorized a credit report. Now after XXXX weeks, he refuses to respond to my inquiries re : the status of my loan, He does not answer email, text message or return my phone calls. I am worried that their inquiry on my credit report will damage my credit. 

XXXX XXXX Nation 's Lending XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Ohio, XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: HANCOCK WHITNEY BANK ()

I was told by my bank, Hancock Whitney, that I have no credit report in the United States. Consequently XXXX/XXXX  have not given me a score. I question this because, I have a credit line with Hancock Bank that I have consistently and faithfully paid every month for years. I pay in excess of any minimum payment requirements and have always done that. I've never been in arrears. I'm a US citizen, have owned and paid off 4 houses in Florida, have had a successful business in Flordia, etc. I'm XXXX years old and have been residing in the XXXX XXXX for the past 10 or so years. However, I have kept my account with Hancock Whitney and receive my US Social Security there. My concern is how can I have no credit history when I have one with Hancock Whitney which clearly demonstrates an excellent payment history. I also question how 50 years worth of credit history has just been wiped away. I feel like I'm being penalized because I cleared my debts before I retired. I keep this credit line so I can help my children. The reason that this all came about is that I request in increase in my credit line bacause I'm helping with some house renovation and the extra money would have been very helpful. It was denied because there isn't a XXXX  XXXX  because I have no US history. Does my history with Hancock Bank not count or has it not been reported? I've been with Hancock since XXXX and with that same bank in Florida under its ever changing names due to mergere/acquisition since XXXX. I feel like I'm being punished because I have paid my debts and continue to do so and that is not being recognized. How many debts do I have to have before I become a real person!
Consumer complaint received 2022-10-27
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)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality USC 1681. 

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, 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-27
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: EQUIFAX, INC. (NC)

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.