davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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: Experian Information Solutions Inc. (GA)

These accounts are INACCURATE AND UNVERIFIED. I have no acknowledgment of the accounts. I have enclosed a request that you reply within a reasonable amount of time. 
Based on XXXX5 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in a consumer 's file that the consumer identifies as information that results from an alleged identity theft, not later than XXXX business days after the date of receipt. 
These accounts should not be furnished on my consumer report as they are in XXXX! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) By the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2019-11-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Credit Corporation (NY)

XX/XX/2019 I applied for a loan on Avant.com the issue that I have is they advertised its a soft credit check meaning it wouldnt effect my credit report at all they send me a email in XX/XX/XXXX that it ended up being a hard inquiry on my credit False advertising and messing up my credit score I been trying to contact them on multiple occasions Multiple emails I get we have received your inquiry thats all I get and nobody has gotten back to me as of yet this has been frustrating and stressful as well first off they lied and months later 8 months they finally notified me that they did that so I see this as an issue and I tried resolving this with them but now I rather go through you guys to see what can be done
Consumer complaint received 2016-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (VA)

In XXXX of XXXX my wife and I contacted our mortgage company, Freedom mortgage, to have them remove the private mortgage insurance we have been paying monthly. Our house is valued at {$400000.00} with an appraisal less then 2 years old. We owe {$320000.00} which would place us at approximately 78.9 % loan to value ratio. 

We sent a written request on XXXX/XXXX/XXXX to have this removed. They replied on XXXX/XXXX/XXXX stating they would respond within 30 days. It is now XXXX/XXXX/XXXX and we have not gotten a response. We have contacted them and they said it would be at least another week for a response. 

Freedom mortgage has already told us in the past they would be using the original loan amount of {$350000.00} to determine our home value, even though we have an appraisal. We took out the loan after saving a substantial amount for a down payment. We would like assistance getting a response from them and ensuring they follow federal law in regards to the loan to value ratio. Our loan is a conventional 30 year fixed rate mortgage.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these account. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2016-07-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (WA)

Specializes Loan Servicing is reporting that I am over 120 days late on payments to XXXX and XXXX. When i access Specialized Loan Services it shows all my payments through XXXX XXXX yet it keeps posting my next payment due is XXXX XXXX, XXXX. If I make a request in writing to SLS to provide backup documentation to support this error they suspend sending me a monthly statement with billing invoice. When i sent an email asking for XXXX XXXX and XXXX XXXX statements i was told they are not available since i sent in an inquiry about my account and they suspend sending out statements during an " Investigation ''. They have posted over {$3000.00} in late fees since XX/XX/XXXX yet when i print out my payoff request letter, these fees are not listed. I have repeatedly asked for a breakdown of these fees but no one is responsive and then i do n't get a monthly statement. I have noticed on other consumer websites that i am not alone in my frustration and confusion with dealing with Specialized loan Servicing. How many complaints about the same business practices need to be logged before action is taken to correct the practices of this unethical mortgage processing company?
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Consumer Portfolio Services, Inc. (DC)

Consumer Portfolio Services account # XXXX is reporting an Auto Loan of {$1800.00} on " ALL '' 3 Of my credit reports. I contacted Consumer Portfolio Services about the account & was threatened if I didn't get on a payment plan, this will remain on my credit reports. I didn't understand why they couldn't remove the account since it's past the statue of limitations ( Isn't it my right to have this removed? ) I was easily manipulated into getting into a payment arrangement of {$150.00} a month until the balance is paid off. Since I no little about credit & these situations affect my job I made a payment XX/XX/2019 of {$150.00}. I later was researching and saw after 7 yrs. a closed account should be/could be removed due to your rights under the Fair Credit Repotting Act. I tried disputing this with the credit Bureau 's but they will not remove the item. This account is past 7 yrs. old, it's 7yrs and 4 months old. Can you please help to remove this item.
Consumer complaint received 2018-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CA)

In XXXX of XXXX I received a letter stating that information was needed to verify comprehensive coverage of insurance of my property. This information was sent in multiple times to Roundpoint Mortgage Servicing through fax, email, as well as through their own website. However, through multiple phone calls and contacts with the company they claimed they did not receive this information. A policy was forced placed on my mortgage which I refused to pay. A late payment remark was made on my credit report XXXX well as my co-borrower 's credit report in XXXX of XXXX due to my refusal to pay the additional amount request by RPM Servicing ( Roundpoint Mortgage Servicing ). I was never given an opportunity to pay solely the principal and interest which I was obligated to pay until beyond the original payment being in excess of 30 days late. Multiple attempts were made to fulfill my obligation to RPM Servicing prior to the 30 days delinquency. Currently I am attempting to make my XXXX payment and they manner the previous payments have been applied does not allow them to do this in their system.
Consumer complaint received 2021-07-02
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: EQUIFAX, INC. (CT)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2019-11-01
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. (AK)

I Have sent out 4 debt validation letters to this company requesting to show proof that they have the legal right to be on my credit reports. Each dispute was dated, notarized, and sent via certified mail and in accordance with the FCRA Section 616, Section 617, Section 609 and Section 611 which states if the UNVERIFIED items listed below are not deleted immediately. I Have been ignored with each request. This company has held me back from moving forward with my life and refuses to offer verification for my detrimental setbacks
Consumer complaint received 2018-02-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I have a company that is free to help me get guidance in talking or helping me with this problem and they wrote the letter to you to reopen my case. Since my other half XXXX   it's been very hard to keep things straight and keep my head above water and they have already taken my car once and I can't have thast happen because of the 15 doctors I have to see each month and XXXX I have to work with all the time. I have XXXX XXXX to take and I'm suppose to have a person staying with me 5 hours a day and taking me to my appointments with my car not theirs but this is just another way for them to take it again. It costs almost {$1500.00} to get it back and that means I have to use my rent money and my other money to keep it. 

I don't know if the company that is helping for free sent you any of the copies of the letters they have been writing me for the last couple of months, but I did ask the man to do that along with sending the information you needed again to open up my complaint again. Please help me with this ... .I 'm so stressed out right now and the doctors are all angry with me because I want a job and they won't let me wo rk. I'm going to be XXXX and I'm so XXXX and I'm XXXX XXXX XXXX XXXX   and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I just want my car and the title in my possession and not have to worry about them taking it. It's terrible when the other half of your income is gone in a n instant and you don't know what to do next!!!!!! PLEASE HELP ... .I KNOW THEY THINK THEY CAN GET A WAY WITH THIS AND THEY'RE TREATING ME LIKE A JOKE.
Consumer complaint received 2018-02-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (MI)

I made a complaint already to the financial consumer complaint in Michigan and in the state of New York where my mortgage account is at. They refuse to take a single payment.. Im stuck paying every 2 months making a double payment because the bank will not work with me or allow a payment to go into my account. I paid a double payment in XX/XX/XXXX and in XX/XX/XXXX I called to schedule a payment on the XX/XX/XXXX. They said I wasnt in default yet and it allowed a single payment. Now XX/XX/XXXX came along and my payment was mark insufficient WHEN THE FUNDS WERE THERE! Come to find out they again blocked my account to accept the one payment. So since then I made a double payment at the end of XX/XX/XXXX since they would reprocess the single payment in XX/XX/XXXX.. XX/XX/XXXX my account was blocked to put a single payment and XX/XX/XXXX I mailed out 2 payments.. well they said I needed to all of a sudden pay all 3 out of 3 in XX/XX/XXXX after just making the double payment in XX/XX/XXXX! This mortgage company has not helped me or even given me proper information to get my account out of default! I dont have any demand letter saying I have to pay 3 out of 3 payments in XXXX! There policy never generated that when they clearly see I have the money to pay them they are trying to take my house from me! Since the state of New York contacted them nothing got resolved! They instead claimed they mailed a letter in XX/XX/XXXX I have to pay all 3 after I was only behind 2 months not even to being with! They started counting the month that Im in even with a schedule payment as a month behind! Mortage company can not charge u the month ur in and currently making a payment for .. if a payment not in by the XX/XX/XXXX the charge u and consider that a month behind! U have up until the XX/XX/XXXX to avoid late fees and technically till the end of the month to pay .. if u dont then its consider a month behind! No one has even attempted to help me! The moment they got the complaint they went against normal procedures ( forced to pay 2 of 3 payment and next month 2 out of 4 payments! ) they clearly know that they are not follow Michigan laws on mortgage companys completely blocking accounts! I cant wire mail or schedule a single payment anymore! They kno I pay bi monthly cause of this issue. They went against normal policy and charged me all 3 in  XX/XX/XXXX ( XX/XX/XXXX they claimed the letter went out! ) XX/XX/XXXX a 2 payments processed into the account! 
This is my second complaint they now refused to take my 2 month payments for XX/XX/XXXX and XX/XX/XXXX .. and said my hosue Is in foreclosure. Im now taking this matter public because no one has helped me resolve this matter! And this provider shoudk be able to stop them from doing this to home owners
Consumer complaint received 2021-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I sent certified letters to XXXX, XXXX and Trans Union specifically requesting my credit file. The dates on these letters were XX/XX/2021 and I mailed them certified XX/XX/2021 at XXXX XXXX at XXXX XXXX. All 3 agencies sent me my credit report instead of my credit file and deceptively told me that my credit report and credit file are the same ( they are not the same ). I spent {$8.00} for each certified letter only for these agencies to send me what I didn't request and not include the return receipt! I want my credit file! Not my credit report. And I want my money back.
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My loans were paid in full in XX/XX/XXXX, I thought I gave XXXX  ample time to submit my account status as paid to credit bureaus, as I did not start inquiring until XXXX, XXXX as to why they show " deferred '' with an outstanding balance of over {$130000.00}. Each time I am given the run-around. The last representative I spoke to in XXXX, emphasized with my position as this is hindering my ability to obtain new credit because of the high balances an assured me he would send in correct to the 3 bureaus. I called back last week on or around XX/XX/XXXX to inquire if my credit bureau had been correct. I was told by another representative that she saw the notes from the last phone call. She further stated I would need to send XXXX a letter disputing the debt they are reporting erroneously, along with a copy of a credit bureau that shows how the debt is reporting of which I did as requested. I called to check on if XXXX is in receipt of letter, I was told yes, but it will take a while. I am disabled and need to purchase a lawnmower on credit so I can have a riding mower as I am unable to cut my grass with a push lawn mower now. I really need help getting this off my bureaus.
Consumer complaint received 2018-06-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

This is my second complaint against LoanCare. You provided me with a letter stating that you had contacted LoanCare regarding my first complaint. The information they gave you is inaccurate. This I can address at a different time. They stated to you that they would reimburse penalties for late taxes because the late taxes were due to their error. They requested that I submit proof that I paid the taxes and the penalties. I did so, by email on XX/XX/2018. I sent follow up emails on XX/XX/2018 and XX/XX/2018. I still haven't received my reimbursement, nor any contact from LoanCare. The amount that is due is XXXX.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

My name has been legally changed through the social security administration. I am nothing more than a number, therefore, when my name is changed legally, when I apply for loans or things of that nature, I should not be told that I do not exist. I have already done my part in changing my name. Any and all credit agencies who do a credit check on my social should not deny my existence. I didn't have to jump through hoops when my name was changed when I got married, why should I have to jump through hoops because I'm XXXX? I can't even edit my name on this form!
Consumer complaint received 2019-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CO)

I took one semester of classes during residency in XX/XX/XXXX and took care to reverse the student deferral of loan payments that was put into place without my requesting it. I continued to make payments during the semester but later found out that fedloan servicing had not counted those payments toward my 120 payments for PSLF. I initially called about this in XX/XX/XXXX. All of the individuals that I have spoken with at fedloan servicing agree that the payments were made and should count toward the 120 payments. I have called about every 3 months since XX/XX/XXXX and this complaint still has not been resolved after over 2 years of trying.
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I pulled my XXXX credit report XX/XX/XXXX and noticed 3 fraudulent/unauthorized inquiries 1 ) now com XX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX  XX/XX/XXXX. I pulled my XXXX report and noticed 3 fraudulent/unauthorized inquiries 1 ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pulled transunion credit report and noticed XXXX fraudulent/unauthorized inquiries XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XX/XX/XXXX. XXXX XXXX ) XXXX  XXXX XX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Wish to report a Reg X violation on Fifth Third Bank. 
We closed on a home mortgage for our property. The estimated Escrow was $ XXXXmonth. 

Our estimated taxes and insurance for the year are projected by Fifth Third Bank to be $ XXXXyear. Our receipt of the Proposed XXXX Tax Assessment is between $ XXXX {$4500.00} with a current insurance premium of {$1400.00}, which would put our XXXX & I range between {$5700.00} and {$6000.00} which is considerably less than Fifth Third 's estimates. 

We had put down {$4700.00} to escrow on closing. Fifth Third Bank is charging us $ XXXXmonth in escrow. With this value, we will pay approximately {$22000.00} over 12 months for escrow to cover an ~ {$8400.00} Tax and Insurance bill ( using Fifth Third 's higher estimate ). This value is well in excess as allowed by Regulation X 's 12 CFR 1024.17 ( c ) ( 1 ) ( ii ) regarding the amount per month they are charging that is well in excess of the XX/XX/XXXX of the annual amount plus 2 months of buffer. This is even well of excess of the XXXX max limit allowed by regulation. 

I had contacted them on XX/XX/XXXX and requested an escrow analysis. It was declined since they would only perform a new one if the tax projections changed. I called again on XX/XX/XXXX and spoke with an escrow agent and their manager. They both walked through the numbers and said it was high, but the values " were accurate '' even though the manager could not make the numbers work. I asked again to do an escrow analysis, but she said it would most likely be denied again unless the tax projections changed, and I would have to wait until XXXX of next year. 

Their initial books said that when they acquired our mortgage from another company that they would perform a new escrow analysis within 90 days of Fifth Third Bank taking on the mortgage.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Eastern Revenue, Inc. (PA)

When I started the course and the year XXXX  I sent the letter canceling my semester before the semester started. Apparently they say they never received the letter of the cancellation. They wanted me to pay the full amount of my semester I got laid off and I couldnt afford to pay my semester and when I made a phone call to the place they told me if I write a letter before the semester over and start the new semester I could cancel it I was not gon na pay for it
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions