davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
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. (NY)

The information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

XXXX XXXX XXXX
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I had insurance with XXXX XXXX in XXXX. I was involved in an accident in XX/XX/2021, and submitted a claim to XXXX XXXX. After having horrible issues with the claims process, I CANCELLED my policy with XXXX XXXX effective XX/XX/XXXX. I switched my insurance to XXXX XXXX. XXXX XXXX DOES NOT allow you to adjust your policy online. I called XXXX times and spoke to a person EACH time and cancelled my policy. Yet, XXXX XXXX continued to keep insurance on XXXX of my vehicles ( the one that was in an accident ), even though I cancelled it XXXX times. Now, XXXX XXXX XXXX is attempting to collect on this alleged, disputed account when I DO NOT OWE XXXX XXXX a dime. They have placed it on my credit report, which has dropped my score over XXXX points, and I have PERFECT credit. I am in the middle of a refinance on my home, and this is preventing me from closing. And I am unable to dispute this account with the credit reporting agencies.
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-03-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (TN)

I have asked this company many times to provide me with actual documents with an actual signature for this loan that's showing on my report. Anyone can use my name and social and anyone can use the address they have in file. Show me the actual proof of these documents. Not scanned copies, no photocopies, the actual documents. As well as social security number used. There are are quite a bit of people with the same exact name in this area
Consumer complaint received 2015-11-21
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I wanted to check the interest rate of my Bank of America Credit card online, and it is not published within my secured online account statement. It 's necessary to make a phone call to get the current interest rate charged by Bank of America on my credit card. The necessity of having to call is not stated in the online account summary - although almost everything else conceivable is stated, offered, hyped, or sold.
Consumer complaint received 2018-03-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (IL)

We are trying to fix the problem with the mortgage companies but they transferred my mtg to a new company and i have provided all they asked for.Auction sale date is scheduled for XX/XX/XXXX and the mtg co sent a letter dated XXXX that I received on XX/XX/XXXX that threatens if they don't receive the extra information they're requesting that my hardship assistance will be declined. What a scam they are pulling here. I included the letter the sent me. It came from XXXX, Tx to XXXX Illinois by regular mail with an expiration date of XX/XX/XXXX. Absolutely no way that I could've satisfied their request since I received the letter on XX/XX/XXXX. in the request they asked for my now husband information who has no obligation to this debt no does he contribute or wants any involvement with this debt. I provided a letter. He was never on the loan and does not wish to be. Also, The reason for the hardship was due to my mother passing away who was the other borrower to this loan. The application packaged asked for either the origin death cert or print out of a public obituary. I enclosed the obituary in the original submission and the bank is still requesting the original. I believe this is a delay tactic although I have place it in the mail yesterday. I am cooperating but the banks do not seem to want to work with me and continue giving me the run around. Your assistance is greatly appreciated. Please let me know if any other information is needed.
Consumer complaint received 2023-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XX/XX/2012 ; 1. I have paid this account. 2. This acccount is old, and should no longer appear on my credit report. 3. Thank you for your time!
Consumer complaint received 2021-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (TX)

I began contacting Home Point Financial to remove the PMI from our loan on XX/XX/2021. I received an email outlining what I needed to provide and an estimated timeline of 60 days for the process to be completed. I immediately sent the required information, receipts, pictures and money they requested for a reappraisal. They cashed my check and I waited for an appraiser to finally show up XX/XX/2021. The appraiser completed her appraisal the following week and submitted it to Home Point. I have called multiple times, sent emails, left messages and have yet to hear any kind of response on removing my PMI. I have paid XXXX and XXXX PMI which should have been removed already. I called again today and stayed on the phone for 36 minutes to be told they would escalate it and call me back. This Is absolutely unacceptable and is costing me money because they are slow to process their paperwork if they do it at all. Please help us!
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I hold XXXX fully responsible for this derogatory collections on my credit report with Experian. They failed to provide proof of this debt and failed to place a dispute on my credit report ( by means of a letter which was sent certified on XX/XX/2016 ). This was for account # XXXX. On XX/XX/2016 I sent a letter regarding the claim and charge off on my account. I requested validation of this account ( by means of a second certified letter XX/XX/2016 ) and none was given as well as they did not place a dispute by consumer on my credit report. XXXX as not sent the appropriate verification by the FCRA section 609 ( A ) ( 1 ) ( A ). Then XXXX has not responded to any of my inquiries since XX/XX/2016. I would like this to be removed from my credit report or I will file a lawsuit. Thanks
Consumer complaint received 2024-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (VA)

Disover bank is holding almost {$5000.00}. and got my account in negative for this for almost XXXX months now. I filed disputes on XXXX different charges starting from {$1700.00} from XXXX XXXX XXXX on XXXX XXXX to XXXX from mentality on XXXX XXXX to XXXX from money making XXXX. I ended up cancelling all these orders due to the merchants not shipping on time due to a family babyshower I was purchasing stuff for during the month. All these merchants ended up refunding me and providing receipts and emails of my refunds being processed and discover never gave me my refunds and wants to hold the money to their own benefit which i wont allow. Everytime I call I get thrown around by representatives saying they are processing my redisputes and are about to send me my money back but it never processes for the past XXXX months. Im tired of this bank thinking they can play games with my money and debt this is not the first time theyve held my money and I will fight till the end. I will provide refund proof from my email claiming my money was going back to the discover account. Discover also closed my credit card XXXX years ago and put me in debt no I will file another case for this but im dealing with this first because they are ruining my life. I felt comfortable with this bank till they did all this to me. Holding XXXX XXXX from someone who trusted you with their money is unbearable and i hope no one else has to go through this
Consumer complaint received 2022-02-04
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. (GA)

On XX/XX/2021 and again on XX/XX/2021 I have requested from XXXX, Transunion and XXXX to provide the Method of Verification for alleged debt since the Credit Furnisher has failed to validate the debt as well. 

XXXX Acct # XXXX XXXX XXXX Account Number : XXXX I am requesting that this information be deleted from my credit profile to non compliance.
Consumer complaint received 2015-12-14
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CA)

I requested and received a mortgage payoff statement from Merrill Lynch. The instructions on the payoff letter noted payment could be made by cashier 's check or wire transfer from a bank. My bank ( Bank of America, which owns Merrill Lynch ) allows me to make wire transfers directly, using Bank of America 's website -- I am attaching the online wire transfer form I used, for reference. I transferred the full loan repayment amount to the account indicated in the payoff letter ( a XXXX XXXX account ) before the payment deadline. Merrill Lynch/XXXX XXXX held those funds for 13 days and then reversed the transfer, returning the funds to my bank account. No reason was given as to why the monies were returned. In the interval between their receipt of the loan payoff funds and their returning those funds, Merrill Lynch charged me an additional month 's interest. 
I spoke with a representative of Merrill Lynch 's mortgage division and also with her supervisor ( XXXX XXXX, who is based in the Merrill Lynch 's home branch in New Jersey ) and they could n't explain why my loan payment was reversed except to say that the " wire transfer '' mechanism indicated in the payoff letter was different from the " wire transfer '' mechanism ( so-called by Bank of America ) that I used. Merrill Lynch is part of the Bank of America Corporation. From a consumer perspective, I have no way of distinguishing why XXXX divisions of my own bank would define " wire transfer '' differently -- nor can I understand why I would be expected to distinguish between their evidently disparate uses of this term. Ultimately, I paid off my loan according to the instructions in the payoff letter and now I 'm being charged an additional 6 weeks of interest for no reason.
Consumer complaint received 2017-08-15
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. (CA)

Experian has put an address on my credit report that is neither my address or a valid address. I have tried to dispute this address information with Experian but am unable to use the online function and do not receive a response via mail.
Consumer complaint received 2016-08-13
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AES/PHEAA (VA)

I REQUEST VALIDATION THEY COME BACK WITH ACCOUNT HAS BEEN VERIFIED THATS NOT WHAT I ASKED. NO PAYMENT HISTORY EXCEPT FOR THE MONTH THEY RECEIVED THE VALIDATION LETTER SO THEY REPORTED PAYMENT FOR THAT MONTH OK BUT HOW ACCOUNT CLOSED 10 YEARS AGO. ONCE THEY DONE THAT NOW THE ACCOUNT IS REPORTING CURRENT BUT THE ACCOUNT AGE IS NOT AS OLD AS IT SHOULD BE SINCE THEY REPORTING CURRENT GIVE ME SOME AGE HISTORY IS THE ACCOUNT IS CURRENT. PLUS THESE ACCOUNT HAVE BEEN CONSOLIDATED 9 YEARS AGO
Consumer complaint received 2015-04-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (MO)

I took out a mortgage with PHH Mortgage to purchase a villa on XXXX/XXXX/14. At the time of closing I was asked for over {$3000.00} for the escrow account. I questioned it at that time because from the data I had been given, most of the homes in the subdivision have real estate tax bills of under {$2000.00}. I was told that if the amount was incorrect that it would be corrected when the XXXX tax bill was made. 

PHH did pay the original tax bill. However, that tax bill was for an unoccupied home. the payment they made triggered an additional bill which was forwarded to them. They did not pay this bill nor did they notify me that it had not been paid. The total tax bill due was {$1700.00}. Of that they paid {$570.00}. 

I found out that they had not paid when I read a story about a local homeowner who lost their home because their mortgage holder never paid the tax bills. I decided to double check. The bill had not been paid. I paid it and sent PHH a letter requesting a refund for the amount I had paid out of pocket on XXXX. 

From XXXX until XXXX they basically ignored me except for the XXXX email they sent in which they stated that after checking with the tax office, there were no taxes due. The letter dated XXXX basically stated that they had received my complaint and would be in touch. 

I received a XXXX letter ( from XXXX XXXX, liaison to the President ) a few days after XXXX XXXX and I spoke. He agreed verbally and in the letter that PHH had ben negligent in not paying the XXXX bill. He informed me that there was an excessive amount of money in the escrow account and he would personally initiate a refund of any overage. I received a letter from him a few days later which stated that I was indeed due a large refund and that due to the overage that they had collected, they would be adjusting the payment amount and lowering it. 

Four days later I received a check for over {$1000.00} less than what he had stated and a notice that they would be collecting the same amount in escrow for the next 12 months as they have since the XXXX payment. 

They have estimated my taxes at {$4600.00} when in reality the actual tax bill was {$1700.00}. By the time they receive my XXXX XXXX payment they will have over XXXX what they need to pay the bill in XXXX. In other words, my tax bill could XXXX and they would have money left over. When they pay the tax bill in XXXX they will have over {$2000.00} left in escrow and yet will continue to collect almost {$400.00} a month for another five months before again evaluating and adjusting.
Consumer complaint received 2023-05-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (CA)

I noticed several things on my credit report have been documented incorrectly by all the reporting agencies. According to the law, before any information inserted on my consumer report, it should be accurate. Pursuant to 15 USC 1681b ( a ) 2, it states that as a consumer, for anyone to get or use my consumer report, I must provide written permission as it relates to me the consumer. The law also states that the consumer reporting agencies must conduct a proper and thorough investigation. This has not been done. According to the Fair Credit Reporting Act, I have the right to challenge anything and everything that appears to be inaccurate and unclear.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

Happy Friday XXXX! - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate  reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2016-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Wells Fargo is denying our application for a loan modification. Their servicer, XXXX XXXX XXXX, has been requiring XXXX forms to be filled out and submitted at least six times in the last two years. Each time, we have been denied a loan modification - despite qualifying for a HAMP modification due to XXXX and loss of income. Wells Fargo is XXXX of the XXXX large financial institutions participating in the HAMP program. We do not understand why they are denying us a loan mod when they have received government monies to do just that - modify loans. Please help us sway Wells Fargo into doing what they have promised. 

Thank you, XXXX and XXXX XXXX.
Consumer complaint received 2015-09-17
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AK)

I have been a loyal customer of Capital One for over 10 years. I recently opened a separate card with Capital One, transferring a balance from another card. Ever since moving from XXXX to XXXX, I have had nothing but issues with them " not receiving payments '' or when I call in a payment, they do not apply it in time, so then they charge me a late fee. When I call about the incorrect late fee, they tell me they will " reverse it '' and it should be reflected on my next statement. But then the cycle repeats. I make a payment they either " did n't receive '' or it 's applied too late and yet another late fee is applied. This happened for months and months and months on end with both Capital One accounts. I notified them in writing and also contacted their fraud department to complain, but to no avail. They insist on charging late fee after late fee. I have notified the Attorney General 's office here in XXXX and they have contacted them on my behalf, issuing them a cease and desist order, but of course, my credit score has taken a huge hit because of the late fees. Until this is resolved I have not been paying them anything because it does n't matter when I do. Their business practices are shady at best and illegal in my eyes. 

Capital One and the like are a bunch of crooks ripping off the people who pay for their jobs.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit reporting agency has not fully investigated properly my dispute. XXXX XXXX went on my credit report with out ever reaching out to me or even verifying the debt with me. Also, The debt was sold by XXXX XXXX who is the original creditorXXXX has violated laws per the CFPB. XXXX tricked customers into unlawful contracts and now has sold the contracts and given away my personal information. I have provided documents that show XXXX  and the lawsuit they are demanded to pay to there customers as well as removing negative items or collections. XXXX XXXX bought a contract from a fraudulent company and I need XXXX XXXX removed from my credit report.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.