davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

I have been contacting Loancare since XXXX of XXXX to remove PMI from my mortgage via an appraisal. During this entire process I have received conflicting information and misinformation. Now 9 months later my issues are still occurring concerning Loancare to the point where a supervisor at Loancare finally directed me to file a complaint with the CFPB today. I will begin with a letter dated XX/XX/XXXX that I received after I initiated the appraisal process to remove PMI. This letter states that " If you would like to pursue cancellation of PMI based on the current value of your property, an appraisal is required to determine if your LTV has reached 80 % or less. '' with that I accepted the terms and proceeded with an appraisal through Loancare 's process and paid {$910.00} to have someone come out on XX/XX/XXXX to assess my property value. Before I even received a copy of the appraisal I received a letter dated XX/XX/XXXX stating that " an appraisal is required to determine if your LTV has reached 75 % or less. I finally received a copy of my appraisal dated XX/XX/XXXX vaguely mentioning that the PMI could not be cancelled and enclosed is a copy of the appraisal. There was no mention of the appraisal having an expiration date. The property appraised at {$530000.00}. Frustrated and 9 months pregnant I decided to put this excruciating process on hold and deal with it after the XXXX of my XXXX, which was in XXXX. I called Loancare by phone on XX/XX/XXXX and said what do I need to pay toward the principal to cancel PMI and Escrow based on my recent appraisal and the 75 % LTV requirement. I was told my principal had to be at {$390000.00} or less to qualify. I paid {$36000.00} in order to do this and also requested in writing to be released from PMI and escrow. After several emails and about 20 phone calls to loancare customer service to followup, I was told that the PMI will be removed within a week. Then the next day, I was contacted around XX/XX/XXXX and was told that my appraisal had an expiration date of 120 days and therefore my request is denied and I would have to get another appraisal. 120 days From when, I don't know? This " timeline '' was NEVER clearly communicated to me in any phone conversation or on any letter. Every time I contacted Loancare starting on XX/XX/XXXX no one said anything about the appraisal expiring. My expectation was that the paid appraisal would UPDATE my new property value, which according to the system, it did. When I log into my mortgage account it still says my property value is at {$530000.00}. I just received a letter stating I have to order an appraisal again. That will cost me another {$910.00}. This makes no sense to me. Overall I feel that I have been misguided, lied to, and pushed around. I am prepared to take further legal action if this is not resolved and I am not spending another {$910.00} on another appraisal.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED 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, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4500.00} ; XXXX  XXXX Balance : {$79.00} ; XXXX  XXXX Balance : {$170.00} XXXX XXXX  XXXX Balance : {$89.00} ; XXXX XXXX Balance : {$50.00} XXXX XXXX XXXX Balance : {$74.00}.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (FL)

We need legislation that makes it much easier for consumers to close their credit card accounts. For my Citi Credit Card, closing my account required waiting on hold for 45 minutes, being passed from representative to representative, and aggressive upsell/change your mind tactics. The line " disconnected '' twice. Require these companies to allow users to close their accounts online with a click.
Consumer complaint received 2021-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (HI)

My loan with XXXX, XXXX XXXX, VA and includes PMI but as I have paid more than the amount required to drop the charge and the mortgage statement says the charge will be dropped automatically it has not. I have called XXXX XXXX to discuss but can never get a person to answer. At the prompt have left a voice mail to have someone call me back, no one does. Last call was made to them XX/XX/XXXX. I have also written to them, letter dated XX/XX/XXXX and no response.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED 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, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4500.00} ; XXXX XXXX Balance : {$79.00} XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXXXXXX Balance : {$89.00} XXXX XXXX XXXXXXXX Balance : {$50.00} ; XXXX XXXX Balance : {$74.00}.
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have dispute this account XXXX/XXXX and the student loans on my credit file and it was deleted then it came back on I didn't received to verification for this account in the mail at all from the creditor or the credit bureau at all I never do and when I dispute something as fraud and I report it to the FTC all they say is account verify as accurate because they verify my name address what verification is that and I never received anything in the mail at all I submit my letter my FTC report my ID I do my part but the credit report is not
Consumer complaint received 2021-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (MD)

I got a call from someone who said theyre from Frontline Assets Solutions wanting to collect a debt. I told them that I believe this is a scam and that I do not owe any creditors. They told me that I could check the XXXX  and that they were an accredited organization. I looked the business up and contacted the number online from the XXXX and the real Frontline confirmed I did not owe a debt. The number that called me was out of MD and this business is established in MN. XXXX ( XXXX ) XXXX Is the scammers number.
Consumer complaint received 2022-02-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Since XX/XX/2021, Portfolio Recovery has been calling me nearly every day from a different phone number every time. ( The number provided was the most recent used number as of this report. ) Most times I decline the call and block the number, but the two times I did answer it to ask them to stop calling, the other end was dead silent. Occasionally their numbers leave a short voicemail on my phone -- less than 10 seconds on average -- with a partial XXXX or American automated voice recording. 

I've looked up this company and it seems they're a legitimate debt collector ( XXXX-accredited ). I don't have any past due debts, so I'm not sure why they're calling or whether they have the wrong person or what. 

I did receive several calls and undetailed voicemails from a XXXX XXXX ( an unfamiliar company I have no debts or business with ) about a month before the Portfolio Recovery calls started ; so I wonder if these companies are connected ; whether the former is, again, pursuing the wrong person ; or whether these companies have anything to do with each other. I'll point out that neither company has mailed or emailed me about any outstanding debts.
Consumer complaint received 2021-06-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (TX)

Car was totaled on XX/XX/2021. Since that time my insurance company ( XXXX XXXX ) has made repeated and unsuccessful attempts to contact Kia Motors Finance to obtain a letter of guarantee stating they would send XXXX XXXX the title for the vehicle once they issued Kia Motors Finance the check for the vehicle. I have also reached out to Kia Motors Finance on multiple occasions and have been unsuccessful as well. I have received a default notice from Kia Motors Finance and this account is still showing on my credit report. It has been 6 months that XXXX XXXX and myself have been trying to resolve this. XXXX XXXX has the check ready to be sent to pay this account in full but Kia Motors Finance has refused to cooperate resulting in a negative impact on my credit score and my ability to obtain financing. XXXX XXXX clearly informed Kia Motors Financing via repeated emails/phone calls of what was needed to issue payment and resolve this account in full, Kia Motors Finance will not respond or comply.
Consumer complaint received 2018-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (OR)

I have a memory problem, as in forgetting things from time to time. I called XXXX XXXX Visa/ US Bank card and asked them early on to make my payments due in the first 5 days of each month. I try to pay all my bills at the same time every month. Always within the first 5 days of the month. But like I said my memory isn't perfect. I apparently paid the HD bill too early, I should have double checked the date before paying, but I didn't so my fault. Now I had paid them early in XX/XX/XXXX for the XX/XX/XXXX bill which was {$1500.00}. Then again on XX/XX/XXXX I paid them another {$25000.00} thinking it was for the latest bill. I find out that it all went to the XX/XX/XXXX bill. So now I have a bill they sent me for {$650.00} and it was due XX/XX/XXXX. So I called them to find out what was going on. I was confused first of all because the {$650.00} did not match the charges listed on the bill so I asked the lady to send me an itemized bill with just the charges for {$650.00}. She wanted to go over the bill with me and I said I did not want to do that. I was tired and wanted to retire for the day. Then she refused said they couldn't do that. Said it would be the same bill I already had. After getting nowhere with her I asked to speak to her supervisor. She put me on hold for quite some time and when another lady came on she wanted to know what she could do for me. I explained again what the problem was and she said she wasn't the other lady 's supervisor. So now I'm upset, I have this company who has sent me a bill and because I'm having a little problem figuring out just which of these charges added up to the total of {$650.00} and wanted some clarification sent to me. Yes they offered to explain it to me over and over. I declined over and over. The final straw was the second girl said no if they sent a bill it would look just like the one I had. I told her I was done and to cancel my card. Now after all that mess I still have enough reward points to get another {$25.00} gift card. There are enough points for that and then some. But because I had canceled they were not going to give me my last gift card. If you owe money to some one and you want to know how you owe it, because they have what you owe tied up with other bills you have already paid and won't separate the owed from the paid. That is all I wanted, now I am not sure who I was talking to XXXX XXXX or US Bank. So I want my gift card that was earned.
Consumer complaint received 2021-04-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

After looking at my credit report I noticed That there were a couple of errors that were listed. There was a collection account listed by a company called Portfolio Recovery Asso, in the amount of {$830.00} dollars. I immediately disputed this account directly with the company as well as all three credit reporting agencies, XXXX, XXXX  and XXXX. After only six days I was sent a electronic response saying that this account was accurate and remains with no change. I also Sent out certified Dispute letters to the company over 30 days ago, and have yet to receive a response. I am not sure how this company can continue to destroy my credit with out giving me a explantion of how I owe this. I am requesting that this matter be looked into at a higher level.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Kindly ensure the removal of inaccurately reported accounts from my credit file as required by FCRA 605B. Could you please review the documents? The presence of inaccuracies is causing me concern.
Consumer complaint received 2022-10-08
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. (LA)

TheBUREAUS ( XXXX ) Acct # XXXX XXXX Acct # XXXX In XXXX XXXX XXXX Fair Credit Reporting act my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC 1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 15 USC 1681B 2. I never instructed anyone to furnish or create this report
Consumer complaint received 2021-08-23
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. (CA)

During the month of XXXX, I contact all 3 credit bureaus to have this company remove this XXXX XXXX debt from my credit report because a Judge during my divorce settlement has confirmed that this debt is not my responsibility and has been determined to be the responsibility of my ex-spouse. This debt should not be on my credit report because it is not my responsibility to pay. However, this company still has this debt listed on my credit report and it should b removed as ordered it is not my responsibility by the judge in my divorce judgment.
Consumer complaint received 2021-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NJ)

I have been participating in the Public Service Student Loan Forgiveness Program since XX/XX/2010. I have made my payments every month, on time and never missed a payment. I have been with the same employer for over 11 years and they continue to verify my employment certification. 

To date, I have 18 ineligible payments because they are in " pending review status '' or I was placed in administration forebearance ( which I did not request ) dating back to XX/XX/2010. I have requested a review of these ineligible payment and still have not received a response back. Each time I call, they advise that I just have to wait and will get back to me when they can. They explain that they can not give me an answer because it's in the hands of the department that handles the review. And customer service does not speak with this department to be able to check on the status and provide me any information. 

I continue to make payments towards my student loans but have made more than 120 payments.
Consumer complaint received 2021-06-13
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)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; CHILD SUPPORT ENFORCEM XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

My mortgage servicer was recently changed to Mr. Cooper. I did not choose this company. I was paying my mortgage on biweekly payment plan with my original loan servicer, when Mr. Cooper bought my mortgage. They promised everything would stay the same. They are demanding I pay upfront two months in advance my mortgage payments just so I can go back on Bi-weekly payments. I was paying them fine before, I am ot sure why I have to pay twice my monthly mortgage payments before I get back on this service I had with my previous servicer. I have called them 3 different times and I have been told different things, despite this. I have sent in the information requested to start the process, with no answer or confirmation they received my information. When I call to check in, then they tell me specific dates, but prior to my " application for biweekly payment '' no one stated any dates that had to be met. 

Customer service is atrocious, rude, no one seems to have the correct answer as I have been misled. I think it is egregious that I have to make 2 months payment in advance only to be able to get on bi-weekly payment " as a security measure '' ive been told. This is crazy. When I get put on hold, they wait, come check in pretend they cant hear me and continue to put me on hold.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

During the month of XXXX, I contact all 3 credit bureaus to have this company remove this XXXX XXXX debt from my credit report because a Judge during my divorce settlement has confirmed that this debt is not my responsibility and has been determined to be the responsibility of my ex-spouse. This debt should not be on my credit report because it is not my responsibility to pay. However, this company still has this debt listed on my credit report and it should b removed as ordered it is not my responsibility by the judge in my divorce judgment.
Consumer complaint received 2021-04-15
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. (GA)

you meaning cfpb did absolutly nothing to correct this problem with XXXX XXXX i reported this problem several times to you about how they have negatively affectec my credit to which you did nothing and did not care this was already on my credit reort by XXXX XXXX and XXXX XXXX bought the debt and charged more and marked my credit with another mark and charge off which is and should be illegal iam taking this higher after being given no choice to pay this amount of XXXX to get this removed iam getting a attorney these guys are bulleys and scammers taking advantages of people and you guys do nothing