davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Out of the blue my 9 : year mortgage payment with Wells Fargo went from XXXX, to XXXX. In XXXX. There was no notice or update sent. Wells Fargo have given 3 different explanations, escrow. All of a sudden it just was taken from my account. One person said there was XXXX to bring it up to date and another said XXXX. Well that doesnt equal the XXXXx12 which is $ XXXX per year. What is going on? How do they just take money without informing us of the difference.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

First off they have been reporting my student loans as late and they have never been late they have inquiries hard inquiries on there from real estate companies that I don't know where they came from cuz I haven't applied for any house because I'm on XXXX XXXX  and I've been disputing and trying to get them to get it right for the longest my credit score is not what it should be and I'm just so tired of dealing with them is stopping me from doing a lot of things they give me a credit card offers that they say I'll be approved for and I never be approved I'm always denied they lie about a lot of offers and I'm always denied I need help with my credit because I'm trying to further my future and I need my credit to be straight I have a school on there where my identity was stolen and they were supposed to take it off so many years ago and they still have not the school was found in delinquent of overcharging students as it was but I'm not the one who got the student loan and it was from the XXXX XXXX XXXXXXXX so I'm asking for help please I'm tired of dealing with them they don't do anything they're supposed to do at all
Consumer complaint received 2023-01-27
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. (NE)

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-01-27
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. (NV)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed belowXXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$9100.00} ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-01-27
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 unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC. (GA)

I did not receive the checking account SoFi plus bonus after my qualified direct deposit both from my employer paycheck and IRS tax refund, accumulated amount over XXXX. The SoFi only consider my paycheck as direct deposit. However, the promotion terms also show government agency ACH as direct deposit. The customer service agreed my request and the fact I met the requirement but she refused to give me the resolution.
Consumer complaint received 2022-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

Loan Servicer doubled my City taxes, as per letter received XX/XX/XXXX. XXXX, Tax Department have no record of such increase. submit all corrected documents via mail, several phone calls, issue has not been resolved. 3 months and continue. 

Paid insurance in full. They continue to withdraw monthly premium.
Consumer complaint received 2023-01-27
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. (DE)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXXXXXX 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 2023-01-27
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. (FL)

When I investigated my credit report, I realized that some of the items was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-06
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: JPMORGAN CHASE & CO. (NY)

On XX/XX/2019 I purchased an XXXX XXXX 2 business class ticket for {$5200.00} charging my Chase XXXX XXXX  credit card. Within few minutes I got an email asking me to confirm that this is not a fraud and I indeed made the purchase. I confirmed the purchase to Chase. On XX/XX/2019 I went to XXXX web to make seat selection. I was surprised to find that the reservation was no longer valid. I purchased new tickets using the same card but the same 2 business class tickets were more expensive and cost {$7300.00}. This time the purchase was completed and I did not get any email to confirm that this was not a fraud. Today I called Chase XXXX  and complained. I was transferred among several customer service and ended up with fraud protection who confirmed that they got my initial approval but declined payment with no explanation. ( Credit line was available and only 10 % of available line was charged with {$0.00} balance for previous month due ). As a result of the Chase XXXX XXXX mistake, I am paying additional {$2000.00}. I asked for refund and was put on hold ( with music ) with no one picking up the line.
Consumer complaint received 2023-01-27
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance Owed : {$140000.00} ; XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$520.00} ; XXXX XXXX XXXX Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance Owed XXXX {$3400.00} ; XXXX XXXX XXXX Balance Owed : {$7800.00}
Consumer complaint received 2019-04-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: COMMUNITY FINANCIAL SYSTEM, INC. (NY)

We had 3 different authorized transactions from our account. Community Bank Account for Our XXXX XXXX XX/XX/XXXX amount {$1600.00}, XX/XX/XXXX {$17.00}, and XX/XX/XXXX {$1100.00}. These were transactions made by XXXX XXXX from Virginia to an XXXX XXXX XXXX. I found theses and reported this to our bank on XX/XX/XXXX. We closed our account and opened a new account. After investigating some XXXX XXXX XXXX XXXX  refunded half the money taken. They said there wasn't anything they do because over 48 hours had passed. I am XXXX XXXX the treasurer of the club, XXXX XXXX is the one that is now Chairman for the recovery of the money. His home number is XXXX-XX/XX/XXXX-XXXX-XXXX and his email is XXXX. My phone number is XXXX-XX/XX/XXXX-XXXX-XXXX and my email is XXXX. Thank you for your time. 
XXXX XXXX XXXX
Consumer complaint received 2018-11-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (NJ)

I have a condo in NJ that is in foreclosure. I am now XXXX and on SSDI and my condo is underwater. I got a chapter XXXX discharge surrendering the condo onXX/XX/XXXX. My research shows that three property liens survived the bankruptcy including my first mortgage. The foreclosure process officially started on XX/XX/XXXX with a letter from the bank. It resumed after I got my bankruptcy discharge. On XX/XX/XXXX and again on XX/XX/XXXX I wrote a certified letter and followed it up with a email E SIGNED to my banks attorney and my bank with the letter of XX/XX/XXXX sent as QWR. 
These coorespondences specifically were sent to make sure we were all on the same page as to my intentions and the laws that protected me as a result of the bankruptcy discharge. I said I can not and do not want to save the condo or cure the default but in light of certain obstacles ( Junior Liens, my XXXX and financial status ), how could I deal with so there is continuity so the process would be easier for both and requested relocation money and time? They were at a point in the foreclosure where they were getting ready to Enter Final Judgement which I thought was about having me removed. Regardless, of what I thought, they mailed me a package for me to try and be screened to save the condo dated XXXX and all the copies of certain documents. I was conflicted and confused why they asked this of me as my letter told them I can't save it as per my chapter XXXX petition. I did mail it all on XXXX non certified. I had heard nothing regarding my QWR wanting continuity and asking for relocation money. I got a phone call from my bank on XXXX from loss mitigation that they were looking to do a DIL and asked ME to contact certain Junior Lien holders to make a deal to release their lien s. They emailed me a summary and while I understood what they wanted I had to look further into all of it. My bank it turns out settled a class action suit for abuses and errors during the loss mitigation foreclosure process back in XXXX and I was one of them. They gave me a predatory lending modification. They were fined also for " Conveying conflicting messages to certain borrowers engaged in the loss  mitigation process '' Now that is exactly what they were doing to me again. Asking me to contact these lien holders is a violation of the bankruptcy Injunction. They wanted a move out date. I have still not received a proper answer on my QWR. To even start a DIL it must be in writing explaining the terms. Then they have to go through the courts to ask for certain motions. This is why I wanted a single point of contact. They clearly, were trying to do things for their best interest another major violation. No bank will think about a DIL when there are Junior liens and they knew that. I wanted Relocation money and time to find a place being XXXX. The deed to this condo must be out of my name with no existing liens and you can then get any agreed upon money and time to move
Consumer complaint received 2023-01-27
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PNC Bank N.A. (NY)

This bank closed my accounts and ended their relationship with me and then sent me a refund check which I received but when I deposited it at my bank they cant find the deposit their is something wrong I have called Pnc to inform them of this issue with the check they sent me
Consumer complaint received 2023-02-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows XXXX different reasons why these accounts shouldve already been deleted. The account not being deleted, proves I am owed monetary compensation for the violations of the fair credit reporting act
Consumer complaint received 2019-04-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LTD Financial Services, L.P. (TX)

In a good faith effort to resolve the matter amicably, I must demand proof of this debt as I know I owe your company no money and no debt it owed or has been fulfilled in full, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. If this can not be provided ASAP, please deleted these accounts from all 3 credit bureaus immediately. Please also provide a letter on your company letterhead stating that this account will be delete, and upload to CFPB portal.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (MD)

Hi. I dont contacted this company about reporting on my credit report. I asked why they are reporting false information on my report. She asked my address said no match and asked my last 4 of social and then stated thats not what they have but they are reporting on my credit report - proof attached - clearly her comments show its inaccurate and by Federal law should be deleted immediately!
Consumer complaint received 2023-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (CA)

Prior to XX/XX/2023, my mortgage was serviced by XXXXXXXX XXXX XXXX located in XXXX, XXXX My loan was sold to PHH in the normal clumsy manner with poor notification prior to transfer. 

Subsequent to the transfer, my insurance coverage that was renewed in XX/XX/2023 ( with yet another increased premium ) was deem inadequate. PHH provided me with a letter indicating that I had to get another insurance company that met their coverage standards. 

Problem, I have bundled coverage for my cars, and home that is affordable and adequate as I live in XXXX XXXX XXXX area XXXX feet above the XXXX XXXX in a well-maintained common areas with two fire stations within 5 miles. 

My chief complaint is that having an arbitrary assessment ( Non-AI ) will cost me much more money that my expenditure is now as I have been with this company for 30 years. Additionally, I am not responsible for the XXXX XXXX XXXX for insurance companies and Banks I deal with and to be jerked around is demeaning and condescending. I think such an assessment should have been made prior to my loan being transferred and with ample time ( XXXX yr ) to seek another carrier when the existing carrier has stated publicly that they are correcting the capital requirements noted by PHH. I sense that RESPA and Reg B is being trampled and notifications should have been made known prior to my loan sale and transfer. 

I an surely not the only person with this issue and sense XXXX  are being adversely targeted and senior and minorities as well. 

I can live with a remediation of the request in a 1 year cycle unless the existing carrier addresses their problem.

Note : My home has fire resistant siding and roof. My Neighborhood is well maintained and modern. Fire departments are nearby. 

My request is that more care should be performed prior to steering consumers to high cost carriers PHH prefers.
Consumer complaint received 2023-01-27
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. (LA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 2023-01-27
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: Experian Information Solutions Inc. (NY)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-27
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. (NY)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.