davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have filled a dispute with cfpd on this several months ago. After all this time the items in question were still not removed. I finally got through to speak to a human at XXXX  and finally they removed 99 plus items not belonging to me. All if which I have been disputing for a very long time and were terribly overlooked on their part. 
My report showed a second SSI number a wife that I never had, that didn't even have the same last name that had a delinquent XXXX  account on my report that prevented me from obtaining a loan from them myself 3 years ago. Also on this phone call i found out that another collection account of almost {$500.00} was her actual husbands account not mine. Boat loads of names addresses phone numbers a wife multiple SSI numbers have been removed from XXXX. still a few remain. but even after all of this I only received a slight increase in my fico. This is ridiculous and I need this fixed. Also I should be rewarded with compensation for heavy damage to my credit embarrassing rejections the perception of having a wife when I was never married. I am retired and lving on a small pension and ssdi. I need credit to survive. Also after removed several delinquent and negative items since my initial complaint with CFPD my scores with XXXX  and transunion have dropped ridiculously and I feel this is a direct and intentional retaliation for filing that initial complaint And thet should be held accountable.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

I spoke with XXXX of the XXXX credit reporting agencies a few times to dispute a chapter XXXX bankruptcy that was filed XX/XX/XXXX and dismissed. From my understanding, a chapter XXXX remain on your credit report for ( XXXX ) years. The credit company tell me it is their policy as the other XXXX credit agencies do not show it as of XX/XX/XXXX that it will stay on your credit report for ( XXXX ) years if it is dismissed and not XXXX and because they are governed by you the CFPB to do it. This is unfortunate and unfair because it was dismissed and converted to a chapter XXXX after I lost my job. The chapter XXXX was XXXX in XX/XX/XXXX and I think this is another way to penalize those who have paid their bills on time and have established very good credit after their misfortune.
Consumer complaint received 2016-05-15
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (IL)

I owe Chase Bank roughly {$2000.00}. I am living on SSI income so I have no way of paying that. I mailed them documents stating I had " won '' money. They said they wo n't accept that as payment. XXXX. I also wrote the postal inspector about these " sweepstakes '' being potential scams and they have done nothing to solve this financial joke. XXXX? Why do these " enforcement '' agencies not do anything to go after scammers? My local police do n't XXXX about mail fraud, but on the show " XXXX XXXX '' they state mail fraud is a felony. an someone get off their XXXX and help me solve this problem with my bank so my credit is not ruined? Police would rather pull me over for my traffic signal not going on than mail fraud I get in the mail stating I am owed all this money.
Consumer complaint received 2021-08-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (PA)

PHOENIX FINANCIAL SERVICES received four of my letter disputing certain items listed on my credit report over thirty ( 30 ) days ago. The items were inaccurate and incomplete. 
They still have never sent me any information regarding this alleged debt, which I have disputed ( which is a violation of 15 USC 1681 s-2 ) Under the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( B ) & ( a ) ( 2 ) ( B ) a data furnishers compliance is required. Pursuant to 15 U.S.C. 1681I ( 5 ) ( A ), you have thirty ( 30 ) days from receipt of a letter to respond to a request for verification of the erroneous items. The thirty ( 30 ) days has now expired, and I have not heard from them. Therefore, it must be that the information on my report was either inaccurate, or it could not be verified. In either case, according to the provisions of 15 U.S.C. Section 1681i ( a ), the items must be deleted immediately.
Consumer complaint received 2017-02-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (CA)

XXXX Card debt currently in collection with Transworld Systems , Inc. Current Balance Due : {$6500.00} however ; Federal Tax garnishments ( paid ) were never applied to balance:XX/XX/XXXX= {$1400.00} ; XXXX {$1600.00} ; XXXX {$570.00} ; XXXX {$1000.00} ; XXXX {$680.00}. Total garnishment= {$5300.00} highest balance on card {$5200.00}. Transworld amount due is incorrect. Also transworld is adding Collection Charge and interest totaling {$2900.00}. XXXX XXXX # XXXX Debt collector may not collect any interest, fee charge or expense ...
Consumer complaint received 2016-01-22
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Adjustment Service, Inc. (TX)

I received a call from Diversified Adjustment Service Inc. indicating they were attempting to collect a debt on a payday loan I never solicited or received. The call was followed by a letter I received on XXXX/XXXX/XXXX ( the letter itself dates to XXXX/XXXX/XXXX ). I called in reply to the letter, and confirmed that in order to dispute it formally, I had to do so in writing, which I did the same day via email. I sent documents in support of my position that I never received any such loan - specifically bank deposit statements from the period in question showing no deposit of any kind for the amount in question. The collection agency claimed the original loan was issued on XXXX/XXXX/XXXX, and then remanded to collection later ( around XXXX of XXXX ), however I received no communication until XXXX - mostly in the form of phone calls from differing numbers, none of which can be returned at the same number. After formally disputing the debt in writing on XXXX, a call was made to me at XXXX XXXX on XXXX, demanding immediate payment of the debt, in violation of and in indifference to the following : XXXX. Validation of debts [ XXXX XXXX XXXX ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I have made several attempts to contact the original claimant, XXXX XXXX XXXX XXXX, who remain at this time unreachable by phone to me - only customer service and technical support are reachable. I was transferred to someone from HR/Payroll, however, my call instantly went to voicemail, and has as yet not been returned. My login for the Agent Services page on the company 's HTML site ( XXXX ) is valid, but the page has no content other than a link to the site homepage, and the link to the agent services page ( XXXX ) on the homesite ( XXXX ) is currently locked, with technical support having sent me an email claiming it will fix the problem within 48 hours. At present however, neither the original claimant ( XXXX XXXX XXXX XXXX ) nor the debt collection agency have provided any documented proof of the debt, or given me reasonable access to it.
Consumer complaint received 2020-06-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

Beginning on XX/XX/2020 and for the last three consecutive days I have been trying to log into my account to obtain loan statements to shop a potential refinance on my existing mortgage. Unfortunately I am unable to get anyone on the phone to assist and the website doesnt load any information. Ive attempted to log into my account roughly 30 times and it keeps redirecting in circles. Its unacceptable to not have access to any of my information and no one can help me.
Consumer complaint received 2015-12-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (PA)

I am the executor of my brother 's estate, XXXX XXXX XXXX, XXXX. He lived in XXXX, Maryland and the property address involved is XXXX XXXX XXXX, XXXX, Maryland. We entered into a Deed in Lieu of foreclosure with PNC Bank, upon their request, on XX/XX/XXXX. The attorney handling the DIL has been calling weekly and there has been no progress on the file. PNC has been delaying the process and the property is set in for foreclosure on XX/XX/XXXX. XXXX XXXX XXXX XXXX was paid {$6000.00} for release of lien in XX/XX/XXXX, and this lender has not recorded certificate of satisfaction yet.
Consumer complaint received 2023-06-10
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: EQUIFAX, INC. (TX)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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 2019-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

XXXX XXXX is reporting a debt that needs to be deleted right away. I did not owe the debt and it is inaccurate. XXXX inaccurately charged me and the matter has been resolved with them. There was nothing owed and this is acct is false!! I requested that XXXX XXXX remove yet they failed to accurately review and resolve the matter. There was a transfer of responsibility from my old act ( old act # XXXX ) to my wife 's ( new act # XXXX ). Nothing should have changed yet XXXX failed to do properly make the changes. They eventually figured this out and gave me a credit to our new acct. While I was disputing this charge with XXXX, there should not have been any reporting to the bureaus. I paid the acct while the dispute with them was active in order to ensure that there was no credit report issues. Instead of clearing up this mess, XXXX made more of a mess. Ultimately they realized their mistake and provided a credit to my new acct for the amount that I paid ( {$130.00} ). They screwed up a simple task of transferring acct ownership from me to my spouse. In short, I never owed them anything and my acct which is now my wife 's acct is paid as agreed with no delinquencies. XXXX XXXX need to delete this account Immediately!!!
Consumer complaint received 2017-02-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (IL)

Last month I filed a complaint against Caliber Home Loans regarding my payment for XXXX. My payment was finally processed but now they have not credited my account for my XXXX payments for my Principle, Interest, Escrow and addition principle I have paid. They processed my XXXX payment and those amounts are showing on my online account but all of XXXX is missing. I have attached paperwork with what is showing as of XXXX/XXXX/2017 and what the totals should actual be. I want this resolved ASAP! I have sent numerous emails and all have gone ignored.
Consumer complaint received 2015-03-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NY)

My mortgage lender is refusing to cancel private mortgage insurance from my loan. The loan to value ration of my mortgage loan is less than 80 %, I am up to date on my payments and I have never been late, and I have requested cancellation of PMI in writing from them. I made extra payments on the principal of my mortgage loan to bring it down below 80 %. It has been slightly over one year since I purchased my property. My mortgage lender claims the loan to value ratio must be 70 % instead of 80 %. I have a conventional mortgage loan with a fixed rate and I believe I am entitled to cancel PMI once I have paid the principal balance of the loan down to 80 % or less of the value of the property at the time of its purchase. The value of the property at the time of its purchase on XXXX XXXX, 2014, according to appraisal used by the lender was {$160000.00}. The principal balance on my mortgage loan today is {$120000.00}, which is 79.95 % of its value. The value of my property has not declined in the last year.
Consumer complaint received 2017-02-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I had a XXXX XXXX card that was stolen. I contacted the company because charges had been filed on my card. The company refused to investigate the charges b/c they were made by someone I knew. Regardless of if I knew them the card was stolen and the charges were not authorized. The company refuses to investigate signatures, charges or any details. They sent the debt to a 3rd party collector without resolving my complaint. They also continue to contact me about a debt they refused to investigate. I also discussed with the company paying the debt that I was responsible for in return that they remove the debt from my credit report however they refused. They want me to pay for fraudulent charges that I did not incur and that they fail to investigate because it will be costly to them.
Consumer complaint received 2023-04-13
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)

I have tried numerous times to have this account updated correctly to reflect accurate payment information and balance. At this time the credit reporting agency refuses to follow the FCRA laws in making sure that this account is reporting accurately. I have become so frustrated with the blatant breaking of the law and violating of my rights that I voluntarily have given the car back to stop the inaccurate reporting of payments balance to my credit report. The credit reporting agency has shown callous disregard for any laws regarding consumers and their credit reports. I have attached the snippet of my credit report that I had pulled today that clearly shows the violation of the FCRA. I have disputed this account 6 times with them and complained to the FTC and yet the credit bureau refuses to comply to the law. Account : XXXX XXXX Account XXXX
Consumer complaint received 2020-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX Checked my credit report - There was a XXXX  XXXX  credit card listed which I never applied for and I was never notified the account was opened in my name. 
XXXX Wrote letter to XXXX  XXXX  notifying them that I never opened a credit card with them and informed them it was fraud. In this letter I provided my address. 
XXXX Filed police report listing identity theft XXXX Sent XXXX XXXX  another letter and provided the police report number. 
XXXX Went to IdentityTheft.gov and submitted report with FTC - reference number XXXX XXXX Sent letters to the three credit report companies letting them know about the fradulent XXXX  account. I included copies of the police report and the FTC report and the intial letter I sent XXXX. 
XXXX Received letter from XXXX  stating that they completed their research and they Deleted the XXXX  XXXX account from my credit file XXXX Received letter from TransUnion stating that they added the XXXX  XXXX  account back to my credit report As of XXXX I have never received a letter from XXXX, I have never received a bill from XXXX. I have received nothing in writing from XXXX yet this account still remains on my credit report under TransUnion. I do not have a XXXX XXXX  credit card and XXXX  XXXX  does not respond to my letters.
Consumer complaint received 2017-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NC)

XXXX Address : XXXX 
XXXX, AL XXXX Pursuant to : 1. a : RESPA, XXXX U.S.C. XXXX ( XXXX ) ( XXXX ) ( B ), b : XXXX XXXX XXXX XXXX XXXX f ) ( 2 ). 
c : TILA XXXX XXXX XXXX XXXX g ) ( XXXX ) a-e d : XXXX XXXX XXXX XXXX https : XXXX XXXX. All XXXX policies associated with the subject mortgage and any TRUSTS, including but not limited to XXXX Trusts. 
3. ID Theft notifications. 
4. Explanation for refused rate change : Explanation for failure to reduce rate XXXX days fannie mae rate in XX/XX/XXXX thru XX/XX/XXXX. 
5. Explanation for contract failure ( s ). 
6. Identify ALL Owners/Lenders/Trustees/Services and dates acquired. 
7. XXXX ( front & back of document ) a : Mortgage Note. b : Deed of Trust. 
8. Copies of Form XXXX, XXXX and Appraisal. 
9. Copies of ALL BPO, Appraisals and valuations. 
10. An accurate accounting of all debits and credits applied to the purported mortgage transactions from origination until XX/XX/XXXX.
Consumer complaint received 2015-07-28
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Westlake Services, LLC (CA)

I started a new loan with Wilshire consumer credit in XXXX of XXXX payments were {$180.00} per month the loan amount was {$2500.00}. I kept looking at my statements and the balance never really changed I spoke to a loan agent and apparently my interest rate is 75 % since XXXX XXXX my total payments is over a {$1000.00} and only {$140.00} went to the principal. I did not know this till I called last week. That type of interest rate mean I wont be able to pay this off till XXXX or XXXX. I believe this to be abuse.
Consumer complaint received 2015-05-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (MD)

Sent a few letter to different addresses listed for the company and never got any response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " JPM Chase d/b/a JP Morgan Chase '' on XXXX via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Consumer complaint received 2016-08-19
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (RI)

While applying for credit I came to learn that I had a judgement against me from Portfilio Recovery. I immediately disputed the case with the court because I was unaware of this, and the court it was filed in is XXXX miles from where I live. It was filed in the town where my parents live, and my address was listed at my parents house ( an address I have never lived at ). Someone visited my parents house and asked for me, and was told by my mother that I lived in Rhode Island. I remember my mom telling me this years ago thinking it was someone from school. Come to find out reading the documents filed at the court, they stated he left and envelope on my parents door and mailed a USPS first class stamped envelope to the same address. IF he had some such a thing, my parents would have given me an important envelope. Also, it should have been sent certified, anyone can say they mailed something, they ca n't prove they did. I feel that even though they were told that was not my residence, they continued to peruse a suit in that location to force a default judgement against me.
Consumer complaint received 2015-07-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (IL)

XXXX LOAN XXXX WAS AUTHORIZED TO PULL XXXX, XXXX AND XXXX ONLY! LIMITED TO REPORTING THOSE XXXX PER SIGNED APPLICATION. ( SEE ATTACHED ). BUT BROKE THE TILA. AND DODD-FRANK REGULATIONS.
Consumer complaint received 2015-11-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

PennyMac received all my completed documentation package prior to 37 days window of foreclosure. They are dual tracking! Declined Buyer offer without counter and continue to process foreclosure. Buyer in good faith has raised offer. PennyMac Buyer offer is very close to XXXX price. PennyMac to put simply is dual tracking and fails to negotiate in good faith ....
Consumer complaint received 2015-06-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CO)

I have been paying extra money each month on my mortgage. This month I received a check for {$420.00} as a a reimbursement for escrow. My escrow amount was also increased which makes no sense at all. I have made several attempts to discuss the issue with Freedom Mortgage Corporation, XXXX XXXX, XXXX XXXX XXXX, XXXX CA XXXX. I have been placed on hold with no one returning to the line as well as sending an email which I receive no response. I believe that charging this much escrow for no reason is a ridiculous use of my money. Please help.