davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-27
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. (VA)

I recently went to a credit education class and one of things i was told was to monitor my credit report. I checked my credit report for the first time in awhile and i see a few items on my credit report that are not mine. I need these items deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I contacted the FTC and my police department.
Consumer complaint received 2016-09-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CO)

My mortgage servicer is repeatedly and intentionally ignoring my requests to have my PMI ( private mortgage insurance ) removed. 

I have initiated contact with my mortgage servicer Ditech Mortgage several times since XXXX of 2016 requesting that a home appraisal be ordered to remove the monthly PMI payment. 

I have provided them all of the requested information they have asked for several times which I have documented proof of to remove my PMI. 

Representatives repeatedly tell me that although they have this information on file, my requests are missing information, or outdated. Neither of those statements have been truthful.
Consumer complaint received 2023-04-17
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX Date Opened XX/XX/2008 Balance {$0.00}. Please delete.
Consumer complaint received 2022-09-07
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. (SC)

******CPFB***** This is regaurds to an account that has a few late payments that is on my credit report, it is reporting as joint when in fact I was never ever a joint member on this card, I have tried numerous ( more than 10 times per bureau to explain that I never once filled out an application via Phone, nor in person or by mail.I have asked for some sort of proof as to why they keep updating the file as apposed to deleting it and I get nothing.I have disputed the file so many times and each time they say that they have ammended some part wich the file is not large enough for them to have done So.The part that really gets me is that i am not claiming no affileation to the card I was suposed to be listed as an authorized user on the card I never had a card it was only to benifit my credit I was never ever responsible for the bill XXXX XXXX the primary was. They even had personal info on my file that was incorrect claiming i had an address in alaska and one in florida wich i have never lived at either address, This Account in question is a XXXX credit card for {$25000.00} the XXXX XXXX payed off I had nothing to do with it I do not so much care if the card has to stay for how many ever years but i should not have to suffeer the impact from the missed payments please advise Trans union, XXXX, and XXXX to remove the late payments or theaccount all together since I am placing my cries on deaf ears dealing witrh the unresponsive credit Bureaus thanks in advance
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2023 and XXXX XXXX I wrote letters to the bureaus requesting to update my accounts with late payments to be updated as PAID NEVER LATE. According to FRCA law 15 USC 1681 Sec 604a Sec 2 a consumer reporting agency can not furnish an account without my written instructions. I believe other FRCA laws were broken such as 15 USC 1681 Sec 602 which states I have the right to privacy and 15 USC 1666B that states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-17
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)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXR XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-02-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am the executor of each of my parents estates, i.e. Executor for the Estate of XXXX XXXX XXXX XXXX and Executor for the Estate of XXXX XXXX XXXX. 

I sent emails to CapitalOne360 asking to close my parents ' account and to send the closing check for their money on deposit of over {$18000.00} held in the account number XXXX to my law office address. 

The Bank -- CapitalOne360 never responded to my repeated emails and we did not receive the funds.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPER BY SILENCE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

In XXXX of XXXX, I reviewed my credit reports to find that Portfolio Recovery was reporting a debt that I was never contacted about. I sent Portfolio Recovery a validation request and in XXXX they responded to my validation request stating that they needed more information to process an investigation. Now, how can you report something on my credit file if you as a company need more information from me the assumed consumer to process my request based on the information you provided. I again attempted to get validation of the same in XXXX of XXXX and to date have not received proper validation of this debt. And according to the Fair Debt Collections Act 809 ( 4 ) the debt collector has 30 days to provide proper validation, this has not happened.
Consumer complaint received 2016-12-14
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On about XXXX XXXX of this year I applied for and was approved for a Bank of America Cashback credit card. My wife and I got our cards about 3-4 weeks later and started using them shortly thereafter. Around XXXX XXXX, I tried to use my card at a few vendors that I commonly frequent, and the charge was denied. On XXXX XXXX, I called Bof A, and spent about 1/2 hour on the phone trying to get an answer as to why my card was n't being accepted. The only thing they could tell me was that my account was frozen and there was nothing they could do, including telling me why the account had been frozen. I was told I would receive a phone call from BofA within 48 hours. After approx. 48 hours with no phone call, I again called BofA on XXXX, spent nearly 1 hr trying to get an answer, but to no avail - again, nothing they could do, including telling me why the account had been frozen. I was told I needed to go to go to a BofA branch to resolve the account, but the nearest branch to my home is about 1 1/2 hrs round trip - very inconvenient. 

On about XXXX XXXX, I got a letter from BofA , which was very vague, but indicated my account had been frozen because of information from my XXXX credit report. But once again, no specifics. I am very frustrated, even dismayed, by my entire experience throughout this ordeal. I feel I have been treated very unfairly and I am seeking resolution through a 3rd party because I have gotten nowhere with BofA.
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (NC)

On XX/XX/2022 I mailed Experian a letter via USPS, which they received on XXXX, XXXXXXXX XXXX as per USPS confirmation # XXXX. I requested their methods of verification for their previous investigative consumer report they furnished ; report # XXXX. I have attached the letter below. I have still not received Experian 's methods used for verification of the accounts they claimed to be verified after their previous investigation. Experian 's 15 day time limit allowed by law to provide my requested documentation has expired.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

when Equifax got breached in XX/XX/2018, I was a identity theft victim. Since then I been a victim of multiply fraudulent accounts appearing on my credit report. I filled a police report and made several FTC identity theft reports. Equifax sent me a letter stating they are above the law ( Fair Credit Reporting Act ) and they can circumvent the law ( Fair Credit Reporting Act ) by not block my fraudulent accounts within 5 days, but at Equifax 's discretion. If my information would have never been " hacked '' or " breached '' by Equifax I would have never been in this situation. I have attached my letter of demand and affidavit along with my FTC report number and letter for your review. I want Equifax to stop circumventing the law with excesses to send letters to 3rd party furnishers and do there job as the law pertains. I am currently working on 3rd party  furnishers but Equifax refuses to follow my demand concerning the law ( Fair credit Reporting Act ) section 605B. ( Please see attachment )
Consumer complaint received 2017-04-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EOS Holdings, Inc. (AL)

I am unaware of this debt, I have disputed it several times but it remains on XXXX of my credit reports and is hindering me from XXXX. I have even offered to pay a portion of the debt with the debt collector without verification just to avoid the hassle of dealing with this. They have refused to send me any verification of this debt.
Consumer complaint received 2015-09-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Money was unauthorized and fraudulently taken from a family members bank acct who was very ill at the time and is now deceased. The bank acct was thru Bank of America ... Can the transaction date and time be retrieved? and the actual person or persons who fraudulent took the funds from the acct?
Consumer complaint received 2022-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (IL)

My mortgage company, SN SERVICING CORP, XXXX XXXX XXXX, XXXX California XXXX, continues to charge me $ XXXX per month for forced place condo ( homeowners ) insurance. I have had my own condo insurance since XX/XX/2022. The condo insurance that I have is with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, policy number XXXX. I have mailed in a copy of Evidence of Property Insurance to my lender multiple times, additionally XXXX XXXX XXXX has mailed to my lender multiple copies of the Evidence of Property Insurance statement. I have called my lender numerous times to ask them to stop charging me for the forced place insurance. They will not return my calls. I need to cancel this forced place insurance. I can not afford to pay {$210.00} per month for absolutely nothing. Please help.
Consumer complaint received 2016-10-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NV)

I opened an account with Citibank by visiting a branch. There was a poster showing an offer for {$400.00} if a new account was opened and a certain deposit made and maintained for 30 days. After opening the account and depositing I sent a secure message to verify everything was fine with the account, deposit, and promotion, and received back this message : I reviewed your account and I see that your account is opened on XXXX/XXXX/16 and I see the deposit of {$15000.00} you have made on the same date. I suggest you to maintain {$15000.00} for the next one month from the date of deposit ( ie ) till XXXX/XXXX/16 for getting this promotion. Once you maintain this balance till XXXX/XXXX/16 then {$400.00} will be credited on your account with in 90 days no later than XXXX/XXXX/16. 
It is now XXXX/XXXX/16 and I have not seen the {$400.00} added to my account. Any attempts to contact Citi about this result in a dead end. I have : * Sent an additional secure message. I received a reply from an agent stating that they require me to give them the promotional code. I do n't know of any promotional code! I went into the branch to open the account and the promotion was on a poster. When I sent a secure message the first time the agent had no problem locating the promotion on my account, but this time they need some code? Every time I try to reply to this message I get an error. 
* Contacted them on live chat twice. Each time I have logged into my account and then clicked the " live chat '' box on the side bar. Both times the agent has told me that I 'm not logged in and I need to log in so they can view my account details. 
* Called on the phone twice. Both times I have entered my account details in and am to be transferred to someone and instead I am just hung up on.
Consumer complaint received 2017-03-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Federal Credit Control, Inc. (GA)

At all times, the debt of {$260.00} is being claimed and handled by XXXX. Consequently, First Federal Credit Control , XXXX and XXXX furnished negative information about me regarding this disputed collection debt to XXXX, XXXX, and XXXX.
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In  XXXX  a tax lien was filed against me in  XXXX   County Superior Court. Th is tax lien was released in  XXXX  and should have been removed from my file 7 years from the date of filing ( which would have been  XXXX   XXXX ,  XXXX  ). Both Transunion and  XXXX  are refusing to remove this from my credit report.
Consumer complaint received 2016-09-30
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TRANSWORLD SYSTEMS INC (TN)

I received treatment from a place called XXXX before I was seen by a doctor I had to submit my insurance information and a debit card on file. I never received a bill for the remaining balance that insurance did not pay instead the company was bought out by XXXX XXXX XXXX and all bills were turned over to Transworld collections I noticed the bill on my credit report and called and paid the bill immediately but also wondered why they did not use the debit card on file or XXXX card to pay the bill.
Consumer complaint received 2019-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

There was a debt placed on my social security number for a money I dont owe. I moved to the United States on XX/XX/XXXX. The debt is from XXXX. The company never called me or provided explanation of why this amount of money was put on my social security number. The debt collector company goes under MBA law firm on Texas.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022 someone ( unknown person ) opened a XXXX thru XXXX XXXX XXXX in my name for {$20000.00} I immediately called XXXX XXXX XXXXXXXX and they closed the card thru the fraud department. I looked up my credit report and it showed the hard credit that was made regarding this card. I called Experian and spoke with fraud department regarding this and put a freeze on my account. XXXX and XXXX had a lock on them so they didnt get thru to them.
Consumer complaint received 2016-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (FL)

Hi m name is XXXX XXXX XXXX my date f birth is XX/XX/XXXX and my ss # ends in XXXX In XXXX/XXXX/XXXX I contacted AFNI the collection agency that has my debt of XXXX from XXXX and the agent who answer the phone said they are not able to fine my account neither with my social security number or my name or my date of birth so they ask me to contact XXXX which I did the same day and their collection department told me the same thing AFNI told me they were unable to find anything yet they are still reporting on my credit so I want them to close my account and removed that from my credit report today I called agin and I had the same answer.
Consumer complaint received 2017-02-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: TRANSWORLD SYSTEMS INC (FL)

I called University Accounting Services trying to re-establish a payment plan ( XXXX ) for my student loan for " XXXX '' They advise me to call XXXX @ XXXX for them to advise me that my account is XXXX XXXX and they ca n't give me any information to contact XXXX by mail because they do n't even have a phone number for " XXXX '' them self
Consumer complaint received 2016-07-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

I want to pay my student loans back, however, the payment that they are asking me to pay is very high. I will not be able to eat ; I have to have a car to get to work in order to pay them. 
Also I have student loans for my children, whom I helped to get a higher education.
Consumer complaint received 2015-12-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc. (MD)

I have had Nationwide Biweekly Administration, Inc. deduct XXXX of my mortgage and escrow fees every other week for years and Was led to believe the extra 2 weeks worth of payments would go 100 % to the principal. I just received a letter from them stating if my mortgage was due on XXXX XXXX, 2015 that they would pay my mortgage directly. And that if there are any funds remaining in trust for me they would be returned to my account or mailed by check to me. I am very worried as to whether they will be paying my XXXX mortgage payment as it is usually paid by the XXXX of the month. It is now XXXX XXXX and I am getting more concerned by the day. 
I wrote XXXX emails to the company to XXXXXXXXXXXX and have gotten no reply. When I call their number I get word for word the exact spiel that is in the letter they sent XXXX XXXX. What further steps can I take? 
I was Never told that there was a processing fee upfront or a fee associated with this every 2 weeks.