davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-24
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My second mortgage or " HELOC '' matured 2 years ago since I filed bankruptcy 7 years ago and had not received any statements from them since that time I was unaware of it being close to maturity since that time I have filled out paperwork with them at least 5 times each time they say something is missing and I send that and no response. When I call back I am told the paperwork is too old and needs to be resubmitted. They have sent my home for foreclosure. Since I have a lot of equity in my home I feel they are doing something called " Dual Tracking '' which I understand is illegal in California
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (TX)

THIS ACCOUNT IS REPORTING DECEPTIVE, AND INACCURATE INFORMATION ON MY CONSUMER REPORT ALLEGING LATE PAYMENTS, AND DEROGATORY COMMENTS THAT CONTAINS INFORMATION REFLECTING TRANSACTIONS THAT ARE REQUIRED TO BE EXCLUDED FROM A CONSUMER REPORT PER 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS AGENCY DECEPTIVELY ALLEGED VERIFIED INFORMATION THAT WAS DISPUTED ON THE ALLEGED CONSUMERS CREDIT RECORD THRU AN ALLEGED INVESTIGATIVE CONSUMER REPORT THAT WAS OBTAINED DIRECTLY FROM A CREDITOR OF THE ALLEGED CONSUMER. THIS IS A VIOALTION OF THE FAIR CREDIT REPORTING ACT PER 15 USC 1681a ( e ) AND CAN NOT BE VERIFIED FROM A CREDITOR OF A CONSUMER. THE ALLEGED VERIFICATION IS FALSE.
Consumer complaint received 2021-12-11
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. (MD)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1CARESAct, Pub.L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bull City Financial Solutions, Inc (NC)

This is not my information Bull city financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquires Remove unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-27
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: CITIBANK, N.A. (AZ)

XXXX was fraudulently charged. I notified the credit card company ASAP. They cancelled the card and stated that they would reimburse the chargers. This was in XX/XX/2023. 
I noticed from my XXXX statement that the charges have reappeared on my card as well as a duplicate charge. 

I jave called the credit card company and I am not happy about their response.
Consumer complaint received 2019-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

In XXXX, I had called to ask about the process for removing PMI from our mortgage. In response, they sent a letter stating we would need to meet the 80 % LTV - which we knew, just wanted the process. We still had half a year before getting to the 80 % mark,XX/XX/XXXX. 

I called PennyMac at the beginning of XX/XX/XXXX to request removal of the mortgage insurance ( MI ) from our loan. I was told, per the documents I signed that it wouldn't be removed until some year in the future ( I do not remember what year but something like XXXX ). It couldn't be removed because it was an investment property. I asked where they got this date and they said on the MI disclosure we signed - I asked for a copy of the MI disclosure. The copy they provided actually showed XX/XX/XXXX which is what we had signed at settlement. No idea where their XXXX? date came from. 

On XX/XX/XXXX I officially requested in writing ( via their secure messaging system XXXX removal of the PMI associated with our loan. I provided a copy of the MI disclosure document that specifically states the date MI can be removed and that states this was not a high risk mortgage and that the above guidance applied. There are no other loan documents that modify the MI disclosure document. Additionally, the ability to remove MI at the 80 % point was material in our decision on proceeding with the subject loan. We would likely have made very different loan decisions as it impacts our bottom line. 

The response we received from PennyMac was " Unfortunately, the MI disclosure is a generic disclosure for primary residence. In your case, your property is an Investment property based on your loan application. After receiving your request for information on PMI deletion, I submitted a request for PMI deletion based on original value. Unfortunately, your loan does not qualify at this time, as your LTV must be below 65 %. You will receive a letter in the mail that will recap the above information. Presently your LTV is 79.90 %. ... '' The document may be " generic '' but that should not relieve its applicability if used. If a different disclosure for investment properties should have been used, that is not our error. We went into the mortgage contract in good faith and we were not the writers of the documents.Additionally, we even requested confirmation of the MI removal when we received the initial loan documents for review prior to settlement. It was verbally confirmed the MI would be removed at the 80 % LTV point. 

The attached file is what we provided to PennyMac via their secure messaging center on XX/XX/XXXX.
Consumer complaint received 2021-08-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I contacted with SPS ( select portfolio servicing inc. ) for solutions for missing payments and they refused to give me loan deferment. They want me to apply for it and I already apply for it. Also meanwhile I am authorizing everything 3 months monthly payment, I am waiting for their reversed decision. However, I never receive any response. I am not sure if they refused to give me deferment Or other assistance, I believe will violate the law? Please help. My property address is XXXX XXXX XXXX XXXX NY XXXX. My email is : XXXX XXXX
Consumer complaint received 2022-09-26
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: DISCOVER BANK (TX)

LATE PAYMENTS In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under : - 15 USC 1681 section 602 states that I "... have the right to privacy. '' - 15 USC 1681 section 604 A section 2 also states that : " ... a consumer reporting agency can not furnish an account without my written instructions. '' - Under 15 USC 1666 B : " ... creditor may not treat a payment on a credit card account under an open and consumer credit plan as late... ''
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I called Transunion to get an explanation of why my credit score have not recovered from month before last higher than normal balances reported from my credit card company. My credit score dropped 40 points because of it. Last month I paid down those balances bringing my Utilization down to 16 % but my credit score still remains at 40 points lower. I called to get answers and no one would answer my questions or explain to me why the score has not recovered. Transunion has outsourced their calls overseas to people who can't answer none of my questions. This is a major problem for consumers who need answers to their concerns about credit. As important as credit scores are to my livelihood I need people who can answer my questions and resolve my problems with my Transunion score.
Consumer complaint received 2022-03-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

XXXX XXXX XXXX XXXX XXXX stole my identity in XXXX, Tn to work, open bank accounts, driver license, social security card, cars and houses in XXXX, XXXX and XXXX Tn XXXX On XX/XX/2022 using social security number to open Bank of America saving and check a account, job, driver license and fraudulent accounts in XXXX, Tn
Consumer complaint received 2021-12-11
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. (OH)

Looking over my credit and seen some items does not belong to me. The accounts need to be deleted from my credit report immediately. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX
Consumer complaint received 2020-09-24
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: EQUIFAX, INC. (MI)

On XX/XX/XXXX I spoke to multiple representatives at Equifax about a false account on my credit report. I have filed a identity theft with the local police department and the FTC in XXXX. 

The representatives I spoke to were XXXX ( XXXX - employee number ) and XXXX ( XXXX - fraud department ). XXXX was to do an investigation about why the credit inquiry was still on my report even though Equifax found that is was fraudulent and did not belong. The dispute number was XXXX and should have reflected the new change XXXX. I have yet to see a change to my report despite multiple attempts to contact Equifax about this needed change. I continuously am told to wait for the new report to see the new change.
Consumer complaint received 2022-03-27
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)

There are several incorrect accts/ items showing up on my credit report I've reached out to all 3 credit bureaus over that past year trying to get this issue resolved.I even placed fraud alerts on my accounts and I've also sent in my police report to Experian. I have stated and put in writing that the following items on my credit report do not belong to me and I was a victim of identity theft. 
XXXX XXXXXXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX ( Experian, XXXX and XXXX. XXXX XXXX ( XXXX and Experian. XXXX XXXX ( Experian and XXXX. XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX AND Experian ) XXXX XXXX XXXX XXXX ( XXXX and Experian. I've tried to resolve this issue over and over and nothing is being done. I'd like these items removed from my account immediately.
Consumer complaint received 2021-05-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (TX)

My home was put into forbearance of XX/XX/XXXX. 

I was suppose to close on my home in XXXX of XXXX but it was brought to my attention that I owed {$8800.00} for my back property taxes in XXXX. My Settlement statement from Flagstar on XXXX XXXX states that my escrow advance balance to flagstar was {$10000.00}. 

I was not allowed to close in XX/XX/XXXX because of my back property taxes. So I had to get a loan to bring that amount to closing. So that caused my deal to fall through I got another offer for a higher price so I was able to move forward to close in XXXX XXXX. I received my second Settlement Statement on XX/XX/XXXX and flagstar had decided to pay the whole property taxes in advance for the year XXXX in my escrow account. Flagstar told me they did this so I would not have a lien on my home. So if you look at the Settlement statement on XX/XX/XXXX escrow advance balance to Flagstar is {$20000.00} compared to only {$10000.00} in XXXX of XXXX. Almost XXXX increase in just 2 months. I only owed property taxes for XX/XX/XXXX for the year of XXXX. They charged me for the whole year. 

I have both settlement statements and the emails from the title company stating that Flagstar did increase my escrow balance for XXXX. XXXX was collecting all XXXX taxes for payoff and then Flagstar would have to reimburse me for XXXX taxes. Flagstar refused to adjust my payoff balance and demanded I bring all of XXXX property taxes to closing. 

Title company also stated FlagstaXXXX did not turn the taxes in. Title company agreed that is was not right that Flagstar forced me to bring all of XXXX property taxes to closing since I was about to do a payoff again. 

So I will be needing my reimbursement on property taxes for XXXX XXXX XXXX or I will be getting an attorney and contacting Consumer XXXX XXXX XXXX for fraud. Flagstar has withheld my reimbursement since XXXX of XXXX I have included the email conversations with my real estate agent and escrow officer discussing the XXXX property taxes. On how they were collected and never turned in. This is complete fraudulence
Consumer complaint received 2022-10-15
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. (NY)

On XX/XX/2022, I disputed an account reported by XXXX XXXX XXXX in the file you maintain under my Social Security number for the. first time. I was informed on XX/XX/2022 that the item was deleted from my credit report. Now I have discovered that the item has been inserted on my credit report on XX/XX/2022 for the second time after it was removed yet again on XX/XX/2022. Then it was removed on XX/XX/XXXX and was recently inserted back on XXXX XXXX. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
Consumer complaint received 2021-07-22
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)

I ask you to remove and delete forever the accounts that are not mine. I am very brutally became a victim of identity theft and can not do anything in order to remove these fake items. I am kindly asking you to move towards resolution of my situation and help me to remove these items. Please I rely on ur help
Consumer complaint received 2021-08-25
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (PA)

I received a bill from Best Buy for an unauthorized charge to renew the XXXX XXXX. I immediately contacted them. They assured me that I would be refunded the full amount of the charge. I then closed the account on XX/XX/21. I then get a notice from XXXX that I have a delinquint account. Best Buy for {$10.00}. I contact them and they informed me it was an interest charge on that item that I never purchased. They said they emailed me the bill which I never received. My credit score was XXXX. I worked very hard to get it there. XXXX dropped my score 75 points for this????? # 1 Don't you think I would have paid a {$10.00} bill? # 2 How can they drop my score 75 points over this? I filed a dispute with XXXX over this on XX/XX/21. I don't have any results of the dispute and my credit score is XXXX!!! This is so unfair!
Consumer complaint received 2022-09-26
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. (NY)

MANY INACCUARIES LISTED IN CREDIT REPORT. CONSUMER REPORTING AGENCIES MUST REPORT 100 % ACCUARCY. 

PLEASE SEE ATTACHED.
Consumer complaint received 2019-08-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (KY)

Requested payoff amount for loan # 1 of 2 and subsequent adjustment to Auto Pay amount. Payment not allocated entirely to loan # 1 and Auto Pay for both loan payments cancelled resulting in removal of interest rate reduction of .25 %  meaning it will take longer to pay off loan # 2.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I deposited a check from my employer, having been incentivized by Chase to deposit funds into the account with an offer of {$300.00} after receiving a qualifying deposit of a minimum of {$500.00}. Which is what I proceded to do. 

On XX/XX/XXXX at about XXXX XXXX XXXX, I deposited a check issued by my employer of roughly {$2000.00} and was immediately informed that funds would be available on XX/XX/XXXX ( 6 business days, 9 calendar days later ). I called Chase several times, they answered that since it's a new account and has never had transactions they need to hold the check for 6 business days. Had I known this from the start I would have never done business with Chase. This is why nontraditional banks are popping up and I will never do business with traditional banks again.
Consumer complaint received 2021-05-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (MA)

We first received a letter from this company named " Credence XXXX XXXX XXXX ''. The letter we received was a bill that was summed up to {$3100.00} XXXX. This bill was supposedly for the XXXX XXXX XXXX as a creditor. We searched up the website online " XXXX '' it was very suspicious on first sight. Instead of a log in, or a first time user, it asks for a " XXXX XXXX  XXXX ''. Upon clicking that link it asks who is your creditor is. Upon the options ours as " XXXX XXXX XXXX  '' was there, there also was XXXX XXXX XXXX, XXXX and XXXX, etc. Which we found even more suspicious because those companies require account information to pay off their bills. After accepting their terms it instantly asks for checking and or credit card information. We called this company via the phone number provided in the letter around XXXX XXXX  of XX/XX/2021. Between their call hours. An person with a heavy XXXX accent said you have to at least put a down payment of {$1000.00} or more for a discounted price on the balance. We did not put any payments and we hung up. We would like some help to verify this " Debt Collector Agency '' to make sure its legitimate or we should avoid this bill.
Consumer complaint received 2022-03-27
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX  XXXX, Acct # XXXX. Opened XX/XX/2013 has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2022-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX  XXXX, Acct # XXXX. Opened XX/XX/2013 has violated my rights.

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2021-12-11
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. (OH)

Looking over my credit and seen some items does not belong to me. The accounts need to be deleted from my credit report immediately. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section XXXX, subsection ( XXXX ) ( D ). The Following Accounts listed below XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am disputing to remove ALL inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act.