davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
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: National Credit Adjusters, LLC (CA)

This account does not belong to me. National Credit Adjusters are trying to collect money in a fraudulent way. I have no knowledge who they are. They have threated me in the past and im already fed up with them I will be pressing charges on them for Personal Abuse and Threating and Intimaditing People. I would like for this account to be removed from my Credit Report please. They only affecting my Credit score with their false statements and information against me.
Consumer complaint received 2021-11-03
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: Experian Information Solutions Inc. (TX)

I submitted my Identity theft to the following credit bureaus XXXX and Experian. I supplied them with Proper documentation and the law stating that FCRA 605B ( 15 U.S.C. & 1681 c-2 ) that items must be removed with 4 business days of receiving. These companies are refusing to remove and block the information. Which is clear Violation of the LAW.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In or about XXXX, I contracted with XXXX XXXX XXXX for home security alarm monitoring services. On or about XX/XX/XXXX, I received an email stating that XXXX XXXX XXXX would soon be XXXX XXXX XXXX ( XXXX ). 

In or about XX/XX/XXXX, XXXX emailed me their cancellation procedures. In or about XX/XX/XXXX, I completed XXXX cancelation process. In or about, XX/XX/XXXX, XXXX sent me a letter claiming that I could not cancel because my contract did not end until XX/XX/XXXX. Shortly thereafter, I called XXXX and demand that XXXX  cancel the account in XX/XX/XXXX. I was told the account would be closed then. 

In or about XX/XX/XXXX, I noticed that XXXX was still charging my credit card or being paid. My wife, who reconciles the credit card and make the bill pays did not inform me that XXXX was still being paid. I did not discover this until I happened to review the credit card charges. 

In or about XX/XX/XXXX, XXXX sent me an email stating that the monitoring was canceled effective XX/XX/XXXX. 

In or about XX/XX/XXXX, XXXX, XXXX XXXX XXXX ( collections law firm ) mailed a collection letter to me. Via email, I demanded verification of the amount owed. 

In or about XX/XX/XXXX, XXXX, XXXX XXXX XXXX ( collections law firm ) mailed a letter in response to my request for verification of amount owed. From that letter, I discovered that XXXX was charging my XXXX  card through XX/XX/XXXX. I then cancelled the automatic payment. Knowing that I did not have a contract for services after XX/XX/XXXX, XXXX continued to bill me from XX/XX/XXXX to XX/XX/XXXX. 

Most disturbing, XXXX never sent me a delinquent notice or did it contact me to pay for the services. Instead, XXXX racked up charges and reported account as delinquent 120 days the TransUnion.
Consumer complaint received 2022-09-13
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)

The main 3 bureaus are putting bankruptcy on my credit report. They said, the data furnisher is the US bankruptcy court of XXXX, which is false. I have attached a letter from the US bankruptcy court stating that they don't give out consumer reporting to the third-party bureaus, or to any consumer reporting agency. Nor do they validate or verify consumer information.
Consumer complaint received 2018-04-03
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Integrity First Financial Group (NM)

I had financed my house in XX/XX/XXXX for XXXX and my house payments were XXXX per month. This was a VA loan, which requires that all taxes be included in the loan. At the end of XX/XX/XXXXI got a large Tax Bill from the MUD and the Independent School District totally around {$6000.00}. At that time I refinanced to pay the taxes and stipulated that the taxes needed to be in the payment. I got a quote with a lower interest rate and the payment was raised to {$1900.00}. I didn't pay much attention until the end of XX/XX/XXXX I got another tax bill for {$2800.00} and {$3300.00} = XXXX I was shocked to see it but I was really surprised that they didn't pay the XX/XX/XXXX tax for the MUD however XXXX XXXX who bought the loan from XXXX XXXX charged me for it. 

In essence I had paid the tax twice by refinancing. The hit is XXXX which should have been paid at closing ... in fact you can not close until all taxes are paid. And then I was charged that much by XXXX XXXX {$5500.00} Has evaporated and talking to first integrity they say the bill hadn't come in before closing, but I had the bill in hand and it was the sole reason I refinanced. 

Their good faith estimate was for XXXX a month and at the end of XX/XX/XXXXXXXX XXXX had moved a fixed mortage payment to XXXX with the tax payment for XX/XX/XXXX added in. I would have never bought the house if I knew the MUD and ISD were so high. I definitely wouldn't have refinanced to pay it. 

The companies involved are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Closing Date XX/XX/XXXX They closed without paying the tax from XXXX XXXX XXXX XXXX XXXX XXXX They then sold the loan to XXXX XXXX The Title Insurance Company may be XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I have talked to XXXX XXXX many times, the last few times they stopped returning my phone calls. 

XXXX, which is their agent or title insurance told me they paid the ISD but they didn't have the MUD bill and assumed it had been paid. XXXX XXXX said they cant help me. 

For me this loan was turned over twice without paying the taxes. The VA says that taxes must be included in the payment. The taxes must be paid to close a loan. So I have been defrauded in two different ways and had to sell the house.
Consumer complaint received 2017-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Capital Accounts, LLC (GA)

XXXX needs to delete and block these fraudulent accounts immediately : 1. XXXX/XXXX XXXX 2.  XXXX XXXX XXXX XXXX 3. Capital Accounts
Consumer complaint received 2020-09-17
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. (TX)

XXXX XXXX XXXX ( XXXX ) did not have permissible purpose to access my credit report. Thus they could not certify permissible purpose to the CRA 's and XXXX XXXX. Section 604 defines permissible purpose - " In accordance with the written instructions of the consumer to who it relates ''. 
XXXX, XXXX, Experian, XXXX XXXX and XXXX, circumvented and violated the law by not having written instructions from the consumer to allow accessing credit.
Consumer complaint received 2020-09-17
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. (TX)

XXXX XXXX XXXX ( XXXX ) did not have permissible purpose to access my credit report. Thus they could not certify permissible purpose to the CRA 's and XXXX XXXX Section 604 defines permissible purpose - " In accordance with the written instructions of the consumer to who it relates ''. 
XXXX, Transunion, XXXX, XXXX XXXX  and XXXX, circumvented and violated the law by not having written instructions from the consumer to allow accessing credit.
Consumer complaint received 2020-09-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I was advised to send this message to you to open a formal complaint concerning violations of VA policies governing the VA loan program by VA venders. 

I have a VA loan certificate of eligibility. I own a single family dwelling located in XXXX XXXX XXXX CA. 

I currently hold a 40 year fix conventional mortgage at 4.125 %. 

I began three weeks ago contacting major VA venders such as XXXX XXXX the current holder of the 40 year fix, Chase Bank, and XXXX, to refinance the 40 year fix into a VA 15 year fix or 30 year fix Chase informed me they where not refinancing veterans conventional loans to a VA guarantee loans. Chase Bank stated they were only refinancing VA loans for veterans who have a VA guarantee loan or veterans who are purchasing for the first time. Chase bank is currently in violation of the TILA-RRSP because Chase received all 6 pieces of information from the application I submitted to them. 

I received respectively a XXXX, XXXX, XXXX, credit score. My address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. My loan balance is {$470.00}, XXXX, and the value of my home is estimate to be over XXXX XXXX. 

I contacted the Department of Veterans Affairs Loan department in XXXX and spoke with a VA Loan officer. The Loan officer stated the venders were in violation of VA policies and that their action could violate their VA venders status. 
She suggested I contact the venders and conduct a three way conversation with the VA to resolve the issue. I contacted CHASE and all they refuse to conduct the conference call or go on the record. I was instructed to send this e-mail explaining my experience and as of this e-mail I can not find a VA vender to refi my loan following VA policies. I am also filing a complaint against XXXX
Consumer complaint received 2024-02-22
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. (PR)

I try to delete fraudulently information in my credit report and they don respond. Account name : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I contacted the credit reporting agencies to request a proper investigation on my credit report, in regard to some inaccurate account that required special attention. Over 30 days have passed by, and I have yet to receive anything in the mail. 
It is my understanding that, at this particular moment, and due to COVID19 Equifax, XXXX, and XXXX are under relax enforcements standards according the Consumer Financial Protection Bureau. However, the bureaus are still required to investigate, and process my direct dispute request according to section 611 of the FCRA. In addition, it is understand that I reserve the right to sue you in Federal Court according to section 616 of the FCRA Willful non-compliance, if the bureaus don't comply with my investigation request. 
Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX
Consumer complaint received 2024-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2020-11-12
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: EQUIFAX, INC. (NC)

I called in in XX/XX/2020 requesting Equifax to remove these fraudulent inquiries from my credit report I uploaded my documents such as police report and driver license and social security card to have these items removed ..., however creditors are still posting inquiries to my report without my authorization. Equifax stated if XXXX will fax these documents they will be remove.. I faxed these documents to the number they provided which XXXX and the inquires are still showing up on my report
Consumer complaint received 2020-09-17
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (AL)

I have been trying to contact Pennymac about assuming my mortgage to remove my ex-wife 's name from the mortgage. They will not make contact with me despite spending hours on the phone, only to be constantly rerouted or hung up on.
Consumer complaint received 2023-02-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLIED MORTGAGE GROUP (CO)

This company sold my information after applying for a mortgage with them. I put in an application on XX/XX/2023 and immediately began receiving XXXX calls a day on my phone at my place of employment and also on my personal phone from various lenders across the United States soliciting my business. Upon looking into it further, there is a link in small print on the application stating that I do not want the lender to sell my information.
Consumer complaint received 2023-01-28
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. (OH)

I show a XXXX XXXX XXXX on my report. Ohio law and courts do not report to credit bureaus or third party reporting. The courts do not allow that and will not provide that information to the credit bureaus. They are not permitted Equifax, XXXX or XXXX to place information on my report without accuracy or proof from the courts. I would like this removed immediately from all three bureaus.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (MO)

On XX/XX/2020, I worked out an arrangement with Convergent Outsourcing to settle a XXXX account that originally belonged to XXXX. The agreement was that if I paid XXXX XXXX would cease all collection efforts on the account. I did pay the agreed upon amount and Convergent returned the remaining amount to XXXX, assuring me that all collection efforts would cease. After a couple weeks I noticed that XXXX had shown that the account had a XXXX balance, but was still listed as a collection account. I disputed this with XXXX and I got the attached dispute response when they show that was no longer listed as a collection account, but indicated that the account would remain on my credit for XXXX years. 

Yesterday, after paying XXXX  {$29.00} I looked at my credit report and discovered that they had in fact not removed the account from the Collections section of the report. I contacted XXXX XXXX whom I have an account with, and asked what could be done to get the information corrected, as the credit bureau was still showing the account as a collection item and that was not what I had agreed to. That conversation is also enclosed and shows that they have also tried to get the information straightened out. I spoke to Convergent, and they told me that they reported it as a closed account, but they could not guarantee how the credit bureau reported it. I also attached a copy of the letter of agreement from Convergent.
Consumer complaint received 2021-08-10
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: EQUIFAX, INC. (TX)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2017-08-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (NC)

On XX/XX/2017 I requested online, through my account message center at PNC to close all my accounts. I was sent a reply stating that my accounts would be closed by XXXX XXXX 2017. My account was not closed on XX/XX/XXXX and is still opened. I talked to someone on PNC chat on their website acted as though they did not know what I was talking about- despite I sent a copy of the email reply. The person on chat told me that I would have to zero my balance out first. I have kept very little in this account and the balance stays the same. Pnc charged me over {$10.00} cents in fees. And despite 2 requests to close my accounts - they are still opened ( despite I was told my accounts would be closed ).
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX I made an on-line payment from my Chase checking account to my credit union for my mortgage payment of {$1100.00}. I had been making my payment this way for close to 10 years without incident. Chase would mail a check to the credit union for the payment. 

I was notified by my credit union that they had not received the payment, so on XX/XX/XXXX I paid the credit union the {$1100.00} from a different account. 

I asked the credit union to track what had happened, and they said they had not received any payment. 

I then contacted Chase to let them know of the problem. I sent a picture of the check to the credit union and when the cancelled check was viewed, there was no bank stamp on the back of the check, and the signature was unreadable. The credit union verified that it was not cashed by them, because their bank stamp was not on it. 

I then contacted Chases customer service and reported the problem. They returned my {$1100.00} to my account and said they would check on it. On XX/XX/XXXX, XXXX days before XXXX they took the money out of my account again with no notice or explanation to me. 

I contacted Chase again repeatedly after that, put in a claim, and had a loan officer from one of the branches help me to contact Chase to follow up. Chase had claimed they closed the claim because they had sent me paperwork to fill out, but they never received it. The reason I didn't fill it out is they had never sent it. They never mailed or e-mailed it to me. The loan officer at the Chase branch helped me file the claim again and send in the affidavit correctly, it took him several attempts as Chase kept giving him incorrect information and forms. 

I was able to get a claim filed after much time and many hours of conversations with customer service personnel. They finally realized that it seemed to be an issue of fraud. Apparently the check did not get sent to the credit union, someone fraudulently took the check, and went to another non-Chase bank and had it cashed. Chase said they had to contact the bank that cashed the check to see if they would reimburse Chase, and that it would take 90 days. 

I received monthly letters saying they were still waiting to hear back form the other bank. I continue to receive letters saying they have followed up, haven't heard and that the claim will be closed and my funds will not be recovered. 

After almost a year and a half, I contacted Chase again today, XX/XX/XXXX to see if anything else could be done and if not, I would be filing a formal complaint outside of Chase. They said there was nothing they could do except keep trying to contact the other bank. 

As of XX/XX/XXXX I still have not received reimbursement for the {$1100.00} that Chase lost in XXXX of XXXX during a routine on-line payment through no fault of my own.
Consumer complaint received 2020-11-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

I currently pay every week due to budgetary restrictions. When the payment is processed it get applied to the principal and not the monthly payment. Each month I have to contact the company to correctly apply my payment. It appears that the payments are not posted to the actual payment date. It appears as though the payments are applied to the payment due date. By doing this the interest is not reduced at a faster rate and making me eligible for an early payoff.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX has been reporting 2 of my investment property mortgages delinquent for about 6 months now since XX/XX/XXXX, incorrectly, because they're both in forbearance since XXXX until XX/XX/XXXX. Since XX/XX/XXXX, they have stated that it's been fixed but the bureaus keep getting refreshed with the same incorrect delinquent information. The department responsible for this is only available via email and they never reply even though I have emailed them about a dozen times since XXXX, about once per week. I would like to know if and how this company can be held accountable. I have been denied crucial business and personal credit lines due to the impact this has had on my credit. From 760+ to XXXX currently.