davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My wife and I recently went through XXXX to get our loan servicer, Loancare llc, to cancel our PMI. 

We submitted a written request for cancellation XX/XX/XXXX via email. An automated email response was sent informing us our request was received and we would be contacted by an representative within 5 business days. We did not hear from anyone until we received a letter in XXXX again acknowledging our cancellation request. The letter explained the requirements to qualify for PMI cancellation, which included a new appraisal at a cost of {$420.00}. We sent a check for {$420.00} shortly after, having still not heard from a representative. 

We finally received a call from loancare rep XXXX XXXX on or about XX/XX/XXXX, nearly 4 months after our request was submitted. XXXX asked for a non detailed list of property improvements and estimate of money spent. The list and estimate was provided XX/XX/XXXX. The rep responded XX/XX/XXXX stating that the quality of improvements was not enough to increase property value and our request was denied. 

Our response was incredulous. We knew this was incorrect based on the letter they sent in XXXX. It stated the requirements for cancellation and the property improvements and value added are to be evaluated by an appraisal. The loan servicer has no say in whether improvements are can raise property value enough to reach LTV threshold. That is the point of the appraisal. 

After we pointed out that her denial was inappropriate and wrong, XXXX went on to completely misrepresented the rules laid out in the XXXX XXXX Servicing Guide and  eventually passed us on to her supervisor, XXXX XXXX. 

We had a principal balance of {$230000.00} and needed a new appraisal value of {$310000.00}. So we needed an increased property value of {$64000.00}. XXXX picked up right where XXXX left off and claimed the entire increase in value must come solely from money spent on improvements and not from market increases. XXXX repeatedly, and incorrectly, referenced Part B-8.1-04 : Termination of Conventional Mortgage Insurance of the XXXX XXXX  Servicing Guide . When we made it clear we knew she was lying and we were not going to be misled she stopped communicating. She did not respond to emails from XX/XX/XXXX to XX/XX/XXXX. We repeated our demand for the appraisal on XX/XX/XXXX. She finally agreed to order our appraisal on XX/XX/XXXX but continued to claim it would be denied. 

Our appraisal was completed and the report came back XX/XX/XXXX. It appraised for {$340000.00} and our PMI was cancelled immediately, thus proving they had been lying the entire time. 

They lied and delayed our appraisal hoping we would give up. They used unethical and fraudulent tactics to delay the process for 10 months when it should have taken one. This  cost us $ XXXX/month in PMI premiums for 10 months. Thats {$3000.00} that we should not have had to pay and we should be reimbursed every dollar.
Consumer complaint received 2018-08-26
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: Experian Information Solutions Inc. (MN)

I recently applied for a lease. In the process of this I found some problems with my XXXX  report ( This issues has escalated to the point of where I filed a separate complaint to address it complaint # XXXX ). 

I tried to do an annual free credit report with Experian. Upon doing so I received an error message instructing me to call them. Upon doing so I was repeatedly sent through their automated system. This system would tell me It had resent my password and then disconnect me. After numerous attempts I was finally able to speak to a customer service representative. Over about 45 minutes on the phone they said they had reset my password and username ( although neither of these were ever the issue ). 
I was told to wait 20 minutes and then log back in. 

Upon attempting to log back in I was met with the same error message. The above process was repeated for 4 days in a row. 

On the fourth day, the representative I spoke to tried to lock me out of the system for giving " incorrect '' email address, username, and security questions. I was finally able to convince him of my identity, where in the above detailed reset process was initiated. 

On the fifth day, we went through this all over again. HOWEVER, at this time I was able to determine that someone else had been trying to access my account with a fraudulent email address and user name. Experian tried to lock me out of my account because I didn't know the name/information used on the fraudulent account. All told I have spent some where on the order of 12 hours on the phone with experian in the last 5 days and they still can not resolve the problem. 

In the end this account was listed as false and reportedly deleted. Yet, I am still unable to log in to my account nor can I access my credit report or credit information on file with experian. I am also unable to ascertain what information they have been sharing with other & illegitimate parties. I can not confirm or determine if the fraudulent account was actually deleted.
Consumer complaint received 2018-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NY)

Since XX/XX/2017, I have disputed the debt as not being mine. I have no knowledge of this debt. Since then i have requested a validation ( at least 4 occasions ) which has been ignored by both the credit reporting agency ( XXXX  ) and the debt collector. 

I need to see any documents in its original form bearing my signature. 
I advised during my correspondence that this is not a refusal to pay. As per Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } the claim is disputed and validation is requested. 

I also mentioned in my correspondence this is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that the offices provide me with competent evidence that I have any legal obligation to pay. 

Someone claiming I owe with an account statement does not suffice that it belongs to me.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Hello, In XX/XX/XXXX, my monthly mortgage payment increased. That change was only communicated to me through mail, I never received an email or push notification from XXXX XXXX of this change. 

When that letter was mailed, we had moved and my new address wasn't updated. So I never received the notice. 

Each month, I've made monthly payments on time in the amount of the old payment amount. ( I can share XX/XX/XXXX- XXXX of XXXX proof of payment transactions to XXXX XXXX for the loan amount. ) This XXXX, the XXXX between my new payment and old payment reconciled, and it was reported as a delinquency to the credit bureaus and is now on my credit report as a mortgage late. This has significantly damaged my credit. 

This needs to be removed immediately. My mortgage is current, was never late and this has negatively impacted my credit.
Consumer complaint received 2018-08-26
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: AMERICAN EXPRESS COMPANY (GA)

Previously filed a complaint challenging the accurate reporting of the following inquiries on my consumer credit reporting being reported by XXXX : XXXX XXXX ( XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, DE XXXX, ( XXXX ) XXXX ) AMERCIAN EXPRESS ( XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, UT XXXX. 
XXXX responded, indicating that regular inquiries will remain on my report for 2 years and I should contact the company that placed such on the report, if I disagreed. 
I am challenging all of the above listed account that aren't associated with the authorization of the following account : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; and XXXX
Consumer complaint received 2020-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Conn's, Inc. (TX)

I went to the Conns store to purchase appliances. I decided to finance the products with their card. It was not until AFTER my credit was checked that I was told about a {$100.00} processing fee and a fee for possibly loss of the appliances. I am not sure why this is required as I have home owners insurance should the items be stolen. Had this been told to me prior to agreeing to the inquiry on my credit, I never would have allowed it. This is unscrupulous and predatory lending. I understand I could have backed out at that point ; however, the inquiry was already made and I did not want an inquiry with a trade line associated added to my credit report. Additionally, when the appliances were delivered, the delivery people took my front door of the hinges and it has never been the same. When they left and I attempted to leave, the door came off in my hands. Yes, they came back to fix it but it came off again they had to make another trip out. The driver stated that my door only had 2 screws in it. That is not true and when he came off a couple of days later, I had someone that I had to pay come out and they said there were more in there and they didnt put it back correctly. Additionally, when I received the merchandise it was dented in a few places and I was told that some money ( well over the {$200.00} mark ) would be taken off my account ; however, it was not and that is not enough for the dented merchandise. I am completely dissatisfied with the service and the lending practices they use to get people. They should never been allowed to lend or at least be made to advise of ALL fees before pulling a credit report.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I recently received my credit report and found some accounts with incorrect, inaccurate & unverifiable information on my credit report. This has caused many hardships for me and my family. I sent certified mail to each account listed and none responded to me. I asked this company to investigate and it appears that NO proper investigation has been done. They DID NOT provide me with any documentation to verify the information of these incorrect, inaccurate & unverifiable accounts. They are clearly violating my rights.
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I received a call from the CC Company " Fraud Dept. '' ( official phone # ) in XXXX asking if purchases in Florida were made by me. I said NO! As I was speaking with the 'fraud agent ' I went online to their portal and saw that there were no charges on the account. He ( fraud agent ) informed that they hadn't shown up yet and would be declined. He ( fraud agent ) said a new access code would be sent to me, to tear up the existing card and another would be sent within a week. I didn't tear up the card. And, NO card came. So, I tried to access the portal but was locked out. When I spoke with customer service ( same official tel # as 'fraud ' ) they said my email address, my tel # ( all I've had over 10 years ) had been changed. Each call to this CC company is recorded. I asked that they replay the calls and find out when the " changes '' took place and call me back. They said they would not do this since the number I was calling from was not on the account. They have no security questions nor use an authenticator app. I said look at your records before XXXX and you will see since I've had this CC it is has always and still is the same email, tel, mailing address and that all I want to do now is pay off the card and close the account. They refused. They said the 'fraud department ' would get on the line. I asked the customer service rep to stay on the line and call me back if we were to get cut off, ( since the calls are recorded ), which she did. The 'fraud agent ' came online and I told him that the customer service agent was on the line and asked if I could record the call. The 'fraud agent ' hung up. The customer service agent called back and left a voice msg ( which I still have ) saying that she checked the 'fraud department ' personnel and there was no one working there by the name of the supposed 'agent '. Now I am being told I have to give private confidential documents to the 'fraud department ' in order to access their portal. I was told that my # is NOT associated with the account since XXXX. Yet, on XX/XX/XXXX I received a text from a XXXX area code ( where this CC company has a call center listed ) asking if I had made a charge to a XXXX. I said NO! I just want too pay this off and close it out but I do NOT trust their XXXXfraud department ' is NOT compromised! HELP!!!!???
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

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.

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 2022-07-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

Equifax, Under the Health Insurance Portability and Accountability Act ( HIPAA ), I am allowed to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
*Please provide breakdown of fees including any collection costs and medical charges. 
*Provide a copy of my signature with the provider of service to release my medical information to you. 
*Cease any credit bureau reporting until the debt has been validated by me.
Consumer complaint received 2018-08-26
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. (TX)

I am a victim of the XXXX  data breach. I now have 12 recent hard credit inquiries on my report. I have written, called and filed complaints. Today, I called and was able to get my credit report locked. Now I need these inquiries removed.
Consumer complaint received 2018-08-26
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (AL)

On XX/XX/XXXX, I received a call from a restricted number. The caller identified themselves as a representative of XXXX XXXX XXXX. The CSR fabricated statements by indicating that he was calling mde because by most recent payment was short by {$5.00} of the minimum payment due. He'd asked me hope I was going to resolve the matter. I indicated that I had already scheduled a {$75.00} payment on the due date ( XX/XX/XXXX ) and he demanded that I make the payment at that time. Subsequently, (XX/XX/XXXX ) I received a letter in the mail stating that my credit limit was being reduced tl {$1100.00} despite the fact that there is still an available balance, I am unable to use my XXXX XXXX XXXX XXXX credit card. XXXX XXXX XXXX  continues to damage my credit by reducing the credit limit on credit cards that are otherwise in good standings.
Consumer complaint received 2020-02-03
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (FL)

To whom it may concern The credit card companies like XXXX card and synchrony recently they are dropping my credit lines citi from XXXX. Dollars to XXXX and synchrony from XXXX. Dollars to XXXX dollars all my limit are being discriminated against me the credit card company never notified till after they did these on XX/XX/XXXX my credit has not changed the companies blame the credit bureaus? They say call them I hope you can do something because this is unfair they charged me all this interest I hurried up worked hard to pay off all limits then they did this. My credit is XXXX in XXXX was XXXX in XXXX there unfairly treating the citizens
Consumer complaint received 2018-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

I filed bankruptcy. I reaffirmed my car loan with Chase Auto Finance never missing a payment. I have documented proof, a payment history summary. I have asked Chase Auto Finance to submit the correct principle balance to all Credit reporting agencys on several different occasions through there recorded customer service. I have disputed this matter with the Credit reporting agencys, to no avail. My principal balance as of today is {$12000.00}. Chase Auto finance is reporting as of XX/XX/2018 my balance is {$17000.00}. This discrepancy can only be some form of punishment for my Bankruptcy. Chase Auto Finance was the only reafirrmed loan on my Bankruptcy Petition. I am simply asking that the correct dollar amount of my principle balance be reported to all Credit Reporting agencys for future employers and lending agencys to access my record.
Consumer complaint received 2018-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

Amsher Collections Svcs {$1700.00} supposedly opened in XX/XX/XXXX for a XXXX XXXX in which i have never had XXXX XXXX i have had XXXX XXXX   since XXXX and have never applied for other cable service. I have called XXXX XXXX and they said they couldnt find my name in system so i asked why was my information sent to collections and they said they would look into it an call me back that was back in XXXX it is now XXXX. Also i called collections Amsher left about four voicemails due to no answer and no call back as of yet. I need this item removed from my account ASAP .XXXX just went by what Amsher Collections told them which i dont think its right. i need to see who used my information or signed supposedly to get XXXX XXXX account.
Consumer complaint received 2018-08-26
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. (TX)

I am a victim of the Equifax data breach. I now have 12 recent hard credit inquiries on my report. I have written, called and filed complaints. Today, I called and was able to get my credit report locked. Now I need these inquiries removed.
Consumer complaint received 2018-08-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC (IL)

I started my money transfer to XXXX on XX/XX/2018 through XXXX XXXX XXXX which is the DBA of XXXX XXXX XXXX, by online Order Number : XXXX for the amount of {$150.00} and {$3.00} transfer fee. I filled out the form as described all information. After few days when the recipient did not receive the money I called XXXX XXXX XXXX in California and they told me that they will contact their agent and get back to me. 
Nobody called so I called them again. After few calls I requested them to cancel the order and refund the money. 
Since then I have called them sever times and they are saying that it takes time to refund the money. It's been now 15 days, I believe, since they are promising that they will refund the money but nothing is happening.
Consumer complaint received 2018-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Good evening, Please delete the XXXX account from my credit report. All the information displayed on all 3 reports is different. The company address does not match on each credit. In some cases the address does not match the company. The comments are different and the dates listed are different. As well the amounts listed are different. How does the information come back as verified if all the information is different on all reports. What is being verified? The information has been disputed several times.
Consumer complaint received 2022-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-07-25
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX