davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Freedom Mortgage took over my acct in XXXX. Prior to XXXX my acct was in good standing. Freedom Mortgage repeatedly placed my payments in unapplied funding acct. Even though the banks confirmed the money had been taken out by the XXXX XXXX refuted the claim and placed me in foreclosure. I have recieve asst from keep your home california {$27000.00} in XX/XX/XXXX. Freedom Mortgage XX/XX/XXXX took {$25000.00} out of my XXXX XXXX XXXX XXXX Acct. Not authorized. They credit themselves the money. Took XXXX monies. Stated I owed all the monies XXXX just gave them. Stated I owed, them XX/XX/XXXX - XX/XX/XXXX. When asked about the XXXX XXXX they stated, that amount did not exist nor the Source. And the only monies they saw was the XXXX they credit themselves out my Personal Credit union acct. I a Loss Mitigation package XX/XX/XXXX. Paid {$2500.00} for 3 months. I Completed loss Mitigation package Trial payments. I notice that Freedom Mortgage had stated I owed XXXX. I notified my attorney XXXX of the discrepancies. He replied, I did my Job you just need to sign the papers. And to make my Payments. I was informed by Freedom of a Surplus of {$2400.00} and {$500.00} that was in unnapplied fundings. I was instructed to pay {$1500.00} XX/XX/XXXX. And Freedom stated they would applied {$500.00} to my mortgage. XX/XX/XXXX, Freedom Mortgage stated, I owed {$4400.00}. The {$1600.00} was not enough to cover the Mortage and it is in unapplied funding.
Consumer complaint received 2023-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monarch Recovery Holdings, Inc. (NY)

On XXXX/XXXX/22, I used the functionality on XXXX XXXXXXXX XXXX website to start service at an apartment complex that I was planning to move in to. I chose the start date as XXXX/XXXX/22. Due to family emergency, I did not move into the apartment ; rather I moved to my parent 's home to care for them. On XXXX/XXXX/22, I used the functionality on XXXX 's website to stop service at the apartment. 

In XXXX, when I went to pay my final bill for the apartment that I had been living in for a few years, I noticed there was an outstanding balance of {$60.00} for the apartment I never lived in. I emailed XXXX  and stated that I never moved in to the residence. I assumed they would have adjusted the bill accordingly and only charge the basic service charge of {$16.00}. I checked the website account again in XXXX and XXXX to see if the bill had been adjusted. Seeing as how they ignored my email, in XXXX, I paid {$20.00} on the bill with the assumption that I would be liable for the full amount, which I accepted at that point ( or else I would not have paid the {$20.00} ). 
Today, I was notified by my credit score monitoring company that my account for the apartment I never lived in, went to collections. I went to the XXXX site and it shows the account is inactive ; there are no options to pay the balance online. 

I was NEVER sent any form of communication regarding this being in arrears. I was never notified by phone, nor by mail, nor by email. I have diligently tried to increase my credit score for the past two full years.
Consumer complaint received 2023-02-14
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: JPMORGAN CHASE & CO. (FL)

After review of my consumer report with XXXX XXXX  I determined inaccurate negative data on my report containing JP MORGAN CHASE JP MORGAN CHASE Account # : XXXX and Account # : XXXX Bank Routing # : XXXX
Consumer complaint received 2022-06-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (IL)

I got sick around XXXX or XXXX of XXXX. I could no longer maintain full time employment. I was behind on my payments so I contacted PennyMac Mortgage and applied for a loan modification in XXXX of XXXX. I was denied several times because they said I did not have enough income to make my current payment. I did have my XXXX income plus rental income, since I purchase the duplex. So, when PennyMac Mortgage kept denying my requests for a modification, I had no choice but to file for bankruptcy protection. Since I was behind on my payments my bankruptcy attorney was able to place those past due payments into a Chapter XXXX plan. 

Around mid XXXX or XXXX of XXXX, my tenants stopped paying their rent, they left water damage in the home which caused mold. I was forced to miss my XXXX payment. I did not know that I could not miss any payments to PennyMac. My lawyer said that PennyMac sent in a notice stating that they were going to foreclose on me unless I catch up on the past due payments plus court costs in the amount of {$7700.00}. The payment that I had missed was in XXXX if XXXX in the amount of {$1200.00}. These payments PennyMac wanted were in 6 monthly installments of {$1200.00}. I got a part-time job to make these payments, which was very hard on my body since I am still under doctor 's care. I made all of the payments as agreed, but now PennyMac is stating that I had missed those 6 payments plus other montly mortgage payments and unless I start paying extra on my current mortgage, which is now {$1900.00}, and extra {$660.00}, which I do not have, and I still do not have a tenant because I can not afford to get my unit ready to rent again. My bankruptcy attorney advised me to hire a Certified Public Accountant to go over my PennyMac account because he said he does not understand what is going on financially with my PennyMac Mortgage account either. He also stated the burden of proof is on me each time I go to court and I am always responsible for the court costs and fees, which in XXXX of XXXX was {$1200.00}. Also, they had purchase Hazard Insurance, but I purchased a different policy because it had better coverage. PennyMac was charging me twice for both polices for a few months and now they are also saying I did not have any overpayments and they are not applying any of the overpayments to my account, as I can tell. The dates above are approximate but the dates on the attachments are correct.
Consumer complaint received 2022-02-03
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. (TN)

I recently contacted the bankruptcy court of XXXX, TN to see if they provided TransUnion with any information for the bankruptcy accounts XXXX and XXXX that are being reported on my reports. The clerk by the name of XXXX XXXX stated that they did not report any information and I have attached screenshots of the e-mail for proof. TransUnion is in violation of the FCRA pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). The courts did not report nor did I give TransUnion any written instructions to do so. The agency also failed to exercise their grave responsibility to respect my right to privacy pursuant to 15 U.S. Code 1681 ( a ) ( 4 ). I also have attached cfpb response from debt collectors, XXXX and XXXX, stating that they are no longer pursuing collection of any of the alleged debts. They must be removed immediately. All inquiries must be removed for it is an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device which is a violation of the FCRA. I will be seeking remedy for all injury for willful and negligent noncompliance pursuant to the Act.
Consumer complaint received 2020-10-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

i sent letters out over 60 days ago and still haven't gotten a response back. I feel like they are ignoring my issues because I thought they had 30-45 days to respond.
Consumer complaint received 2022-02-03
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. (NY)

New Information This communication is to inform Equifax to PLEASE STOP FRAUDULENTLY LABELING MY PERMISSIBLE REQUEST AS " DISPUTES '' I understand Equifax is NOT a bureau nor is it backed by any government agency. I am aware that Equifax is in fact a consumer reporting agency that has assumed, not given, a vital role in assembling and evaluating consumer credit and other information on consumers. 

Under these circumstances, I am aware that pursuant to the FDCPA and 15 U.S. Code 1681b - Permissible purposes of consumer reports, As a third party, Equifax MUST comply with my written instruction. I hereby DEMAND that all negative accounts, Late payments, Hard and Soft inquiries, Delinquencies, Charge offs, and additional information such credit limit/high balance, that were not verified or authorized by me XXXX XXXX XXXX in written format be DELETED IMMEDIATELY. 

Equifax continues to update my report with no proof of proper verification or investigation. If this matter is not resolved immediately I will be contacting the NY Attorney General regarding this matter as well.
Consumer complaint received 2022-06-10
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. (FL)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$310.00}, original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$610.00}, original creditor XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1600.00}, original creditor XXXX XXXX XXXX XXXX ), XXXXXXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1400.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-11-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PENTAGON FEDERAL CREDIT UNION (VA)

I have spoken to Pen Fed numerous times and filled out paperwork about a charge that was not authorized by me appearing in my account statement for XXXX XXXX in XXXX. Each time I speak with someone, Im told it will be taken care of shortly, but the charge has still not be reversed. The debit card was deactivated almost immediately and a new one issued, but still the money has not been returned to my account. More than 2 months have gone by since it was first reported.
Consumer complaint received 2018-04-10
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. (TX)

The two collection accounts below are not mines. I have contacted both companies as well as the attorney general for the state which both companies do business in. 

COLLECTIONS 1.XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 {$5500.00} 2. XXXX XXXX XXXX {$3900.00} Closed
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

Since my account was transferred from XXXX to Nelnet, I have had issues with them calculating my interest and the amount of months, remaining on my account.shows XXXX. 

It does not show the two years that I paid, to XXXX. 

I contacted them four times by email and three times by phone, with no resolution. 

The most recent today.
Consumer complaint received 2022-06-10
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. (NC)

I sent TransUnion a dispute later and I received the green return receipt that they received my dispute letter it was on XX/XX/2022 and today is XX/XX/2022. It has been more than 30 days they broke the law!
Consumer complaint received 2020-12-09
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. (NJ)

I sent letters to XXXX, and transunion and they failed to respond after 45 days I sent more letters to look into then matter and explained because of non response the items need to be removed.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions.
Consumer complaint received 2019-08-23
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: General Motors Financial Company, Inc. (NY)

In divorce settlement the ex took the car and signed me up as co-owner and than didnt pay. Car was repossessed and now thats on my credit report when i dont have nothing to do with car Credit agency saying lease company is throwing it on me as well because name was on lease. 

But i sent them all documents of divorce and still nothing. Now i cant even dispute
Consumer complaint received 2022-06-10
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)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX  XXXX XXXX ( Opened XX/XX/XXXX, Highest Balance {$20000.00} ), XXXX  - XXXX XXXX  ( Opened XXXX XXXX, XXXX, Credit limit {$300.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2019-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Credit and Collection Service, Inc. (OR)

I have received many notices regarding a debt that is not mine. I do not know what this debt is for and it is not mine. I believe it may have been due to a previous tenant at my home based on talking to the company, but the debt is absolutely not mine and many attempts to dispute this have gone unresponded to.
Consumer complaint received 2018-10-09
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. (IL)

On XX/XX/2018 I sent a certified letter to Tranunion, XXXX and XXXX to have them to investigate items on my credit. I ask of evidence to prove their reporting. I have asked for proof of my signature which none of these creditors have supplied me with. I got a letter saying it was verified and i ask how did they verified with out proof, I also got a letter from Transunion saying they will not investigate my disputes.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WI)

On XX/XX/XXXX I received an escrow analysis. The company showed a shortage and is attempting to increase my mortgage payment by about {$250.00}. The reason there is such a significant increase is due to the company paying my property taxes in full versus bi annual installments. They were paying in full because in XX/XX/XXXX I found they failed to make my tax payment putting me delinquent in my tax payment. 
I contacted customer service to have my taxes changed to bi annual payment and a new escrow analisys completed because of the original company error. This contact was made on XX/XX/XXXX. I was informed that the payment could not be changed because my county offered a discount for full payment. I contacted my county, this was a lie.

I called again and it was escalated to a manager that  followed up and said I would receive a letter sometime in XX/XX/XXXX or XX/XX/XXXXand I could change to bi annual  payments at that time. Finding this unacceptable is called again. Representative XXXX said she would look in to it further and call back within 48 hours. No call back. 
I again have hours into fixing a problem created by this company and have no answers.
Consumer complaint received 2018-04-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (FL)

On XX/XX/2018, I called to inquiry why I was paid {$2.00} on a {$6000.00} balance on an online savings account knowing when I opened the account, I was told that I was going earn 1.45 % APY and they kept evading my question. After 6 phone calls I told them that I would like to close the account for their malpractice and bait and switch antics. My account has been temporarily locked and I have no access to my funds. This is disconcerting and I feel discriminated against for my ethnicity being XXXX, had I been white, they wouldnt have XXXX  me around. They have falsely promoted an APY that is clearly inconsistent.
Consumer complaint received 2019-02-19
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)

All three major credit bureaus seem to be reporting the same erroneous information that includes harassing debt collectors that are calling me, however these negative accounts do not belong to me. The results of this has cause my credit score to drop considerably.