davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

This is a complaint being submitted about CMC Funding INC ( serviced by Specialized Loan Servicing LLC ). They did not automatically cancel my PMI as they should have as per the PMI cancellation act under the Homeowners Protection Act. I've already contacted them and they've responded that I needed to notify them to cancel PMI, however that is not true because the amount I paid towards my mortgage should have triggered an automatic termination. 

Automatic Termination The Act requires a servicer to automatically terminate PMI for residential mortgage transactions on the date that : The principal balance of the mortgage is first scheduled to reach 78 percent of the original value of the secured property if the borrower is current ; or If the borrower is not current on that date, on the first day of the first month following the date that the borrower becomes current ( 12 U.S.C. 4902 ( b ) ). 
If PMI is terminated, the servicer may not require further payments or premiums of PMI more tha

n 30 days after the termination date or the date following the termination date on which the borrower becomes current on the payments, whichever is sooner ( 12 U.S.C. 4902 ( e ) ( 2 ) ). There is no provision in the automatic termination section of the Act, as there is with the borrower-
requested PMI cancellation section that protects the lender against declines in property value or subordinate liens. The automatic termination provisions make no reference to good payment history ( as prescribed in the borrower-requested provisions ), but state only that the borrower must be current on mortgage payments ( 12 U.S.C. 4902 ( b ) ). 

On XX/XX/XXXX I paid off {>= $1,000,000} towards my conventional home mortgage bringing the amount owed on of {$510000.00} down to {$170000.00}. This resulted in my principal balance reached over 78 % of the value of the property on XX/XX/XXXX therefore according to the Homeowners Protection Act my Private Mortgage Insurance should have been terminated. Instead, I was still charged the PMI on 4 different occasions, on XX/XX/XXXX for {$90.00} again on XX/XX/XXXX for {$90.00}, and on XX/XX/XXXX when I was charged twice for {$90.00} and {$33.00} for a total of {$300.00}. These were PMI fees that I should have not been charged since I had already paid off more than 80 % original value of the property. I called Specialized Loan services in XXXX and told them to stop the payments, they did eventually stop the PMI payments but they never refunded me the PMI payments of {$300.00} that I had already paid. The PMI should have never been charged since my lump sum payment on XX/XX/XXXX should have automatically terminated my PMI.

They're claiming that I should have requested for the PMI to be cancelled but that is not true according to their own policy and according to XXXX XXXX XXXXXXXX : Termination of Conventional Mortgage Insurance ( XX/XX/XXXX ).
Consumer complaint received 2022-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (IL)

On XX/XX/XXXX, I received a letter from Viking Client Services stating that I owed a debt from XXXX XXXX. I followed up in a letter dated XX/XX/XXXX to Viking disputing that I owed debt and asserting the rights afforded to me under the FDCPA and FCRA. The letter was sent by Certified US Mail and receiving by Viking Client Services on XX/XX/XXXX. No communication was receiving by me from Viking Client Services supporting that the debt actually belongs to me. 

I received a letter on XX/XX/XXXX dated XX/XX/XXXX that Viking Client Services is attempting to collect the same debt. Viking Client Services did not send a validation notice and failed to respond to my certification letter sent on XX/XX/XXXX. Instead, Viking Client Services sent the aforementioned letter dated XX/XX/XXXX in attempt to collect the unverified debt.
Consumer complaint received 2022-06-10
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. (FL)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Consumer complaint received 2024-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I have sent multiple emails calls to the company regarding the insurance due which is due in 2 weeks. The company refused to pay. I do not want to be at a time period when the insurance lapse due to servicer 's negligence, I am submitting this company for the record so servicer do not blame that they did not receive any insurance invoice or email from the borrower.

Servicer has acted in bad faith especially with the escrow on tax payments and insurance payments.
Consumer complaint received 2022-02-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: REGIONS FINANCIAL CORPORATION (GA)

Recently, I, XXXX XXXX, was denied an extension of credit by EnerBankUSA. On XX/XX/2021, I applied for a home improvement loan. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). EnerBankUSA has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002
Consumer complaint received 2022-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (NY)

I have noticed this specific charge-off on different credit reports for over 15 years and keeps going to different collection agencies and starting over the age of the account as well as the report date. I have put this same company/debt in my XXXX report years ago and seen it taken off, now it's back reporting negatively on my credit report hindering me from obtaining personal credit and business credit. The collection agency is Eastern Account System for {$1700.00} original lender name ; XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2022-02-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Frost-Arnett Company (OK)

Mismanagement and handlind of patient account and chart XX/XX/XXXX I received a collection letter from Frost- Arnett from XXXX XXXX XXXX XXXX XXXX 
My Physician is XXXX XXXX was at XXXX XXXX  and they sold/bought out/hostile takeover and the accounts were sent to XXXX XXXX XXXX XXXX XXXX unbeknownst to me. This took place based on the new staff in XX/XX/XXXX. 

I had a bill for {$220.00} and called the XXXX XXXX XXXX to pay was told I could not pay the office and that the new billing office would contact me. 

Months later, I received a text as to how to pay, and when tried to pay, was told the patient account number was wrong and referred back to my doctors office. 

I called XXXX XXXX  office and they did not have my chart and I would need to sign a document to get the file back from XXXX as XXXX XXXX new owner, did not get my chart, ( even thou I am still XXXX XXXX patient ) he did not own my records. So confusing. 

I then received a text to pay on-line and again, could not open as I did not have my new patient number to access the portal link. 

XX/XX/XXXX I received a collection notice for account XXXX to pay Frost-Arnett. I called XXXX XXXX  is who now XXXX XXXX and was told my account was sent to collection under patient # XXXX under XXXX XXXX and they had no records and that I had been reported as derogatory. I was then advise to call the corporate office as the local office did not handle any of the billing office. I called corporate XXXX and was unable to speak to a person, as the voice system only allowed to pay by phone and must have a patient ID number, of which when I put the patient ID into the system and it would not accept # XXXX. 

This company both XXXX XXXX and XXXX XXXX XXXX has poorly handled my patient records ( I can not get copies ) and my billing account. They have mismanaged the entire process due to a hostile split between the two entities and thus reporting my ( me/bill ) as delinquent and issued a late pay and collection notice to my credit bureaus. 

XX/XX/XXXX I have not and still can not pay the bill and the reporting of this derogatory to my credit file is unjust and I want any negative reporting corrected and apology on the mishandling of my patient chart and billing. 

thank you
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I did not recognize several XXXX  payments for several hundred dollars withdrawn from my account. 10 days later. Capital One instead of performing its fiduciary duty to investigate fraud, instead decided to close my accounts with over {$40000.00} and end " the banking relationship ''. My current funds are " restricted '' and causing a major financial loss.
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

I previously submitted a complaint regarding my citibank XXXX  charge. I was contesting a charge in the amount of {$360.00}. 

Citibank refuses to issue a determination based upon the facts submitted. 

I received a letter indicating that initially I disputed the charge as " not as described ''. Citibank requested additional information, which I provided. However, Citibank claims that the additional information I provided indicated that the charge was " unauthorized '' versus " not as described ''. 

So, as a result, Citibank refused to make a determination based upon the merits of my dispute, but rather denied my claim because, essentially, I " checked the wrong box ''. 

I am attaching my response to Citibank 's letter. 

I am also attaching a listing of dispute categories provided by Citibank 's online dispute center ; please note that the choices are preceded by the statement " Pick the one that fits best ''. 

Therefore, Citibank itself is acknowledging that their dispute categories may not exactly correspond, yet I am being penalized and not being given a decision because I picked the wrong category.
Consumer complaint received 2022-02-02
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: Experian Information Solutions Inc. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-02-02
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. (NJ)

to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-02-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have tried NUMEROUS times to fix inaccuracies on my consumer report with EXPERIAN. However, they come back " verified. '' report number : XXXX They are willfully in violation of the FCRA over and over again. Pursuant to 15 USC 1681a ( XXXX ). Provide me with the names of my neighbors, friends, or associated with whom you personally interviewed. 

EXPERIAN is committing criminal activity 18 USC 242. EXPERIAN IS providing information to anyone/company who pays to see my personal information violating my FOURTH AMENDMENT RIGHT. 

I would like to make it clear to EXPERIAN and those in position of Authority at EXPERIAN that congress makes it clear that the banking system is dependent upon my consumer report being fair, an accurate. Pursuant to 15 USC 1681 ( a ) ( XXXX ). Pursuant to 15 USC 1681 ( a ) ( XXXX ) Congress also made it clear that EXPERIAN is an elaborate mechanism with no real standing or authority. EXPERIAN was not given this role, EXPERIAN ASSUMED this vital role, and because of the assumptions of this company, my life has been negatively affected causing me hardship, XXXX XXXX and XXXX. 
Pursuant to 15 USC 1681 ( a ) ( XXXX ) You were unfair in reporting this erroneous information without first consulting with I, the consumer. You have no proof of any transaction ever taking place. 

EXPERIAN also has inaccurate addresses and names on my report. The inaccurate address must be removed as per the FCRA since they are not deliverable to me via usps mail. ( these are also stated within my attachment ) I have also sent to attached letter to EXPERIAN, and XXXX XXXX  ( registered agent ) via certified mail numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN
Consumer complaint received 2023-04-05
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. (NJ)

I noticed a few inaccurate accounts on my credit report so I disputed them and they came back verified. I asked for a description of the investigation according to 15 USC 1681i ( 7 ) and they never did. According to 15 USC 1681s-2 person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This is very frustrating as they are violating my consumer rights. Also these charge off accounts are no longer debt owed IRS states a charge off account is a cancellation of debt and must be reported as ordinary income. I asked for 1099-c form and was not provided that
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

See attached information and look to what has been done. I have a XXXX number for my XXXX which is XXXX. This is what needs to be identified with XXXX XXXX XXXX.
Consumer complaint received 2022-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (TX)

IQ data is trying to collect from me a balance owed by someone I do not even know. I asked for months for proof of debt and when it was finally received today it showed the name " XXXX XXXX '' a different unit number and different dates from when the apartment was lived in. 

I overpaid XXXX XXXX apartments and they ended up refunding me. They stated I owe them nothing, as I was overpaid when I moved out. 

XXXX XXXX XXXX were also paid in full. The apartment was in perfect condition upon move out and the dates listed on the form I was sent are not even in line with when I lived there.
Consumer complaint received 2022-02-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The reporting of this account is in violation of the FCRA for the following reasons : 1. ) I XXXX XXXX never received an original Validation Letter from this debit collector or said original creditor. The Debit Validation was never validated with my notification or my acknowledgment of said debit. 2. ) This debit is being report as a payment. Charge- offs can not be reported as payments. 3. ) Credit pulls were done XXXX XXXX and XXXX XXXX was done without my consent. 

Also XXXX XXXX pulled my Transunion and XXXX credit report on XX/XX/XXXX without my knowledge or consent. XXXX XXXX then reported this account to my credit report on XX/XX/XXXX. XXXX XXXXXXXX and XXXX XXXX have been monitoring my credit from XXXX XX/XX/XXXX all dates after this alleged account was charged-off since XXXX according to documents supplied to the XXXX. Also the XXXX XXXX account was closed on my XXXX report in regards to my dispute. 

The reporting of this account is in violation of the FCRA. One violation in particular is the : FCRA, 15 U.S.C. 1681s-2, and the associated regulations, known as the Furnisher Rule, at 16 C.F.R. 660.
Consumer complaint received 2023-02-06
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.