davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I have a loan with PennyMac Loan Services LLC. I have received a {$1000.00} tax reduction from XXXX County Tax Office. Twice I reached out to PennyMac about my tax deduction and provided them with a copy of my tax paper showing my deduction from the year of XXXX and it clearly stated my total estimated tax of the year is {$85.00}, that is what my taxes are at this moment and will further be due to my XXXX tax credit. The county and the city gave me my credit deduction, but PennyMac only gave me {$71.00}, when my total tax reduction should be {$1000.00} so they owe me {$1000.00} towards my tax reduction. PennyMac Escrow account department told me that my FHA Loan which they call Hazard Insurance and my personal insurance and property taxes on the home is all calculated in one bill, that's how they break it down and that's is the reason why they say they can't give me a large deductible back from my taxes. I called more than twice and I continue to receive the same answer from PennyMac.  In XXXX of XXXX, I received a check from PennyMac {$1100.00}, the check was to reimburse me from overpaying PennyMac Escrow department for my taxes and the years of XXXX and XXXX, which I had to notify them about my overly high tax amount. I sent in a copy of proof of overcharge taxes. My Escrow bill was higher then what my payment and insurance came out to be, due to the overcharging of my taxes in their records. Pennymac sent me 2 statements explaining my escrow, miscellaneous assessment, my hazard insurance payments , county taxes, and city taxes. All that information does not have anything to do with my {$1000.00} tax reduction and it doesn't explain or show why I only received a {$71.00} tax credit from them. My total monthly payments were {$720.00} they only reduce my payment to {$640.00}. When my payments should be a lot lower than {$640.00} due to my {$1000.00} tax reduction. SN : I paid all my property taxes out of my own money to the Tax Commissioner of XXXX County, Ga.
Consumer complaint received 2018-12-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPL Recovery Solutions (PA)

I was contacted by JPL Recovery Solutions on XX/XX/2018 at XXXX EST to collect on a debt for a credit card that I owed for XXXX XXXX in the amount of {$750.00}. The gentlemen I spoke with said his name was XXXX XXXX. XXXX told me they sent me out a letter in XXXX stating they took over the debt and I hadn't responded. I never received this letter and have proof that it was never mailed. The USPS has informed delivery which shows every piece of mail that has been delivered to your house and there is no letter from JPL Recovery Solutions. I was unaware they had the debt prior to them contacting all of my family members and me yesterday XX/XX/2018. He then proceeded to tell me that unless I made a payment that day, they were suing me for {$2200.00} plus attorney fees and court costs. I panicked and agreed to set up a payment plan. He was to call me Friday XX/XX/2018 to finalize the payment plan. When he called me today Friday XX/XX/2018 at XXXX EST, I asked him for the address of his company so I could send out a debt validation letter to verify they own the debt for my protection. He refused to give me the address and kept telling me I was avoiding paying my debt. He told me to call XXXX XXXX and they would verify my debt to them but refused to provide any verification of the debt. I asked him several times for their address and he kept refusing and then said they are suing me for the amount owed and hung up on me. I have a right to get the debt validation as they have NEVER sent me anything with proof they own the account.
Consumer complaint received 2022-06-16
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, Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to 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.
Consumer complaint received 2018-12-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mandarich Law Group, LLP (NY)

I received a letter From Mandarich Law Group , LLP for Creditor : XXXX , XXXX When I responded to Mandarich Law Group , LLP with a Certified Mail Letter and they refused to pick it up on two attempts from the Post Office
Consumer complaint received 2018-12-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (FL)

In my home equity line of credit # XXXX there was a balance advance of {$5000.00} done on XXXX which I did not do. I called on XXXX! And nothing was done, I called on XXXX and told to go to a branch to fill out a fraud affidavit, which I did. Per affidavit it would take 3-4 days. I called on XXXX and nothing has been done. They were going to send an email to the loan department that can take several weeks. I requested for the line to be frozen, I have not be given any information on the new number, did the reversed the transaction while they investigated. I feel very upset, I have not been treated fairly in this process. 

Thank you XXXX XXXX
Consumer complaint received 2022-03-05
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. (GA)

XXXX XXXX XXXX HAS CONTINUED TO REPORT A FRAUDULENT ACCOUNT ON MY CREDIT FILE. THIS ACCOUNT IS NOT MINE AND IS A RESULT OF IDENTITY THEFT. I HAVE SENT NUMEROUS DISPUTES, PROVIDED A IDENTITY THEFT AFFADAVIT, AND SUBMITTED NECESSARY DOCUMENTATION TO TRANS UNION. I ALSO HAVE REQUESTED ANY INFORMATION PERTAINING TO THIS ACCOUNT BE SENT TO ME DIRECTLY AS PERMITTED IN IDENTITY THEFT CASES. IVE SUBMITTED A DIRECT DISPUTE TO XXXX XXXX XXXX TWICE WITH PROOF OF DELIVERY AND THEY HAVE FAILED TO RESPOND TO MY DISPUTE BUT CONTINUE TO REPORT THIS FRAUDULENT ACCOUNT TO MY CREDIT FILE WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FCRA. 

TRANS UNION HAS ALSO CONTINUED TO REPORT THIS FRAUDULENT ACCOUNT EVEN AFTER ALL IDENTITY THEFT INFORMATION AND A REQUEST TO BLOCK THIS ACCOUNT HAS BEEN MADE. TRANS UNION AND XXXX XXXX XXXX HAVE BOTH REPEATEDLY IGNORED MY DISPUTE AND REQUEST TO REMOVE THIS FRAUDULENT ACCOUNT. THIS IS AN ACT OF WILFUL NON-COMPLIANCE AND IS A DIRECT VIOLATION OF MY RIGHTS. THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY.
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (FL)

HI, The First bankcard close the CC account with no reasons based on false assumptions andI think this is a discriminatory measure and would like to ask you to initiate an investigation, as there are no reasons or motivation for this action. I can attached or send you the document where they explain their decision, that is completely wrong and based on false assumptions and conclusions.
Consumer complaint received 2022-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (NJ)

I have been with Discover Financial for over 7 years within that time I have been late once. My credit limit has always been maintained. So it comes very disarming when my account with a XXXX XXXX credit limit, is then dropped by the exact amount that I paid off XXXX. After speaking with other homeowners and professionals in my urban area as well as zip code, it has become apparent that this the new norm for them. By them doing this they are effectively damaging my credit by changing my DTI ratio.
Consumer complaint received 2018-05-16
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: FIRST HERITAGE CREDIT LLC (MS)

On XX/XX/2018 I received a call from 1st heritage asking if I wanted to take out another loan. I told the representative no if it was going to report as an hard inquiry, she said no its going to report as a soft inquiry its not going to effect your credit at all. I had been receiving calls during the previous weeks as well and I was declining the offer. So after the call was done I had an alert saying that it was a hard inquiry on my report. I contacted the company explaining that it was a hard inquiry instead of a soft likebshe inquired. I spoke with the manager XXXX because she overheard the whole conversation where the representative said it would be a soft inquiry. I have been waiting since XX/XX/XXXX the day it occurred for the issue to be fixed and it still hasnt been removed. I followed up on XX/XX/2018 to see how the process was going cause I hadnt heard from the company in weeks. I was just contacted by the company this morning XX/XX/2018 telling me to dispute it but the information I was giving was wrong. I contacted transunion I was told to get a letter of deletion from the company. I contacted the company to let them know exactly what I was told about the letter of deletion. I just want the hard inquiry removed because I was given false information from the representative and not only did she tell me wrong information the manager heard her as well. I dont understood how this process hasnt been resolved if she heard exactly what the representative told me. Please remove this hard inquiry from my report.
Consumer complaint received 2021-06-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent Transunion dispute letters several weeks ago, via certified mail. Per the USPS tracking number, these documents were received by a Transunion mail sorter on XX/XX/2021. However, Transunion has failed to create my dispute and attach the supporting documentation.
Consumer complaint received 2016-12-05
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK (NY)

Discover card has reported me to XXXX, XXXX and XXXX as having been 30 days late, I never received a statement from Discover and sometimes do n't get all of my mail and that is why I requested electronic correspondence ( not statements ) and alerts to let me know that I have a new statement, payment, payments when the card is not present etc. I have this with all of my other credit cards and I have an absolutely perfect credit history but unfortunately Discover did n't alert me of a payment due and I did not receive a statement so I was alerted by experian ( I use all XXXX agencies to monitor my credit ) that an event occurred on my credit bureau when I say that Discover reported me for being 30 days late I paid the account in full which was only {$170.00} and spoke to a representative and discussed the situation, they understood but claimed that they could n't help with the lateness, I then called back and spoke to a manager and he told me that my account was NOT set up for electronic communications and then set the account to do so he also told me that he could n't do anything about the past. I continued to discuss the situation but they were unmoved by the situation I have a perfect credit history that I always worked very hard to maintain that has been ruined by this blemish which in some cases dropped my Fico score by XXXX points, I really need somebody to step in and make sense of this situation to the agencies that report credit history and have them understand that the reason this happened is because they failed to accommodate my request to send corespondence via email.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the XXXXXXXX XXXX XXXX Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

XX/XX/21 The Fair Credit Reporting Act ( FCRA ) requires each of the nationwide consumer reporting companies Equifax, XXXX, and XXXX  to provide me with a free copy of my credit report, at my request, once every 12 months. 

I am suddenly being forced to move, and I need a credit report to get a new place. 

I just went online to " XXXX '', and all three credit-reporting agencies " had an issue '' that prevented me from getting my report online. 

One of them said I could call to order a report, but it was all automated, and concluded " we'll mail it to you within 15 days. '' That's too late, I need it now online. 

I feel that they are all skirting the law to encourage me and my new landlord to pay for a report that can be delivered right now, and avoid their responsibility to give me a free report. 

Please make them abide by Federal law. 

Please help.
Consumer complaint received 2022-06-19
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. (NJ)

In accordance with the Fair Credit Reporting Accounts ; # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX & # XXXX have violated my rights. To make things even worse, more than half of the accounts listed above were opened without my written consent. All accounts including ; but not limited to - # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX & # XXXX do NOT & have never belonged to me.In addition, after reviewing my full credit report on XXXX, all of the accounts listed above ( including the unrecognized accounts ) have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. These accounts above have caused significant damages. In accordance with the Fair Debt Collection Practices Act. Debt XXXXollectors are not allowed to communicate with me under 15 USC 1692C15 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 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
Consumer complaint received 2022-03-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (GA)

On or around XXXX XX/XX/ 2022, some imposter hacked my checking account last four # XXXX, wrote XXXX bad checks from XXXX, digitally signed them, and deposited them into my account. Citibank finally sent copies of the checks today and are trying to charge me a {$12.00} fee for each of these fraudulent checks that were returned coming to a total of {$36.00}. I reported fraud on my account so they could place a fraud alert. 
They didn't send me a copy of my account charges because I can't access the account. This way I can see all transactions in my account. This is one reason why they are holding my money, so they can steal it with these fraud charges. 
This bank is corrupt and does not respond to customers on the phone. When they might, it's a bunch of lies.
Consumer complaint received 2021-12-01
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. (MD)

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. 

These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Consumer complaint received 2018-05-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequoia Financial Services (WI)

-I had a routine XXXX  on XXXX at XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
-On XXXX, I received the first incorrect bill for XXXX  service ( should have been preventive ). 
-I have contacted XXXX XXXX on more than 10 occasions to resolve the issue. 
-My doctor confirmed that it was mis-coded and was a preventive procedure. She and her staff have also tried to resolve the matter numerous times. 
-In several of the calls, XXXX XXXX personnel said they would resolve the matter and/or respond back to me and my doctor 's office. They never did. 
-XXXX XXXX are pretending that I didnt provide enough information to bring the debt into question. On XXXX, I received a collections notice from Sequoia Financial Services - a debt collector - to my surprise. 
-OnXX/XX/XXXX, I disputed the debt through my attorney, who informed the debt collector that this activity was known as up-coding and is illegal in the State of  California . 
-On XX/XX/XXXX the debt collector sent another ( incorrectly coded ) bill for {$830.00}, and referred to their correspondence as a response to a request for debt validation, from my attorney. No such request was made. Once again, XXXX and the debt collector didnt provide any responsive correspondence. 
-I have documentation of these facts.
Consumer complaint received 2022-03-05
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 have been disputing with Experian, XXXX and XXXX 3 fraud telephone accounts on my credit report. XXXX XXXX, XXXX XXXX XXXX all reported lines open under my name after my wallet was stolen with all my personal information. I sent them copies of my police report and have disputed it over 4 times with each creditor, as well as with the companies. All claim to remove it but it is still showing up as a derogatory mark on my credit. When I call them they sometimes claim they cant even find me in the system, not even as a fraudulent account. I have paid credit repair companies to try to get it resolved, but it takes so long i can't continue to spend money for a fraudulent account. This has been going on with all 3 companies for the last 4 years, I have spent hours and hours on the phone, submitted police reports and proof of my stolen identity without this getting resolved.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (FL)

I applied and was approved for {$500.00} credit limit with Citi-Bank for a XXXX gas card in XX/XX/2018. My first statement due date was to be XX/XX/2018. I was unable to access my or set up my profile and or online payment methods till I had to call and be reset and talked through the process. At that time I had set up payment method and made a full payment, paid off my balance on XX/XX/2018. I received a call today XX/XX/2018 in regards to late payment. After looking into it with customer service they had told me my payment was returned the very next day on XX/XX/2018 because a phone number didn't match the banks information. I've been penalized for late payment and fee because of this. I've requested a letter of findings, credited later fees and a copy of my credit report for future credit score discrepancies. I then asked where to go online on their website to visually see the information I had set up to cross reference with my bank and was denied. A lack of due-diligence on Citi-banks side has caused this to escalate. If I would of been contacted in a more reasonable time my payment method would of been corrected, I would of been able to have my payment in on time and I wouldn't be worried about this effecting my credit score or having any delinquencies in regards to this Im unaware of.