davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

I purchased a house with XXXX Mortgage in XXXX. In XXXX of XXXX, I started a PMI or mortgage insurance removal request with XXXX because the equity in the house had reach the threshold for PMI removal at 20 %. I preceded with XXXX instructions and provided a written letter along with a " reappraisal '' fee. In XXXX of XXXX, appraisal agent came to the house and appraised the property. 

In XXXX of XXXX, XXXX sent a letter to me informing me that they had sold my mortgage to Freedom Mortgage, beginning XX/XX/XXXX. I called and talked with XXXX weekly throughout XXXX, hoping to have the PMI removed before XX/XX/XXXX. By the last days of XXXX, it did not look like XXXX Mortgage would complete the request. 

In XXXX of XXXX, Freedom Mortgage took over the loan. I preceded to call and ask about the progress of my PMI removal. On XX/XX/XXXX, Freedom Mortgage called to say that the request was denied and that I did not meet their LTV ratio. The loan has over 25 % equity or LTV ratio, so this finding seems false. Freedom Mortgage 's own website states that PMI removal can be requested at 20 %. 

Please advise and assist. 

Best,
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

The Summer of XX/XX/XXXXI was denied a mortgage loan due to a charge off from XXXX XXXX credit card. I both mailed an account validation letter and disputed this debt with the credit bureaus and the credit card company several times. Only the credit bureaus responded that this debt was verified but showed no proof as I requested. XXXX XXXX still has not responded to any of my letters since XX/XX/XXXX. All I asked was that the credit bureaus show me how they verified this debt and what XX/XX/XXXX sent them as proof of my debt other than a bill that could be fabricated. I really need to know why I haven't been shown proof of this after multiple disputes and certified letters letters sent.
Consumer complaint received 2021-11-11
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. (SC)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One has cancelled my credit card even though I have submitted three forms of identifications : a Real Id XXXX Drivers license, a passport, and a government PIV card. Capital One refused to verbally or in writing identify the reason for the cancellation. Capital One has also refused to refund the hundreds of dollars of rewards associated to the account. Per their website, I have {$660.00} in rewards. I am seeking compensation for all unclaimed rewards as well as written confirmation that the card has been cancelled ( to avoid any inaccurate and derogatory reporting on my credit reports ). 

Despite knowledge of Capital Ones refusal to unfreeze my credit card, I paid off my remaining balance on XX/XX/XXXX. I have never paid late and often pay ahead of the autopay schedule. There is no reason for the cancellation. This card has been active since XX/XX/XXXX. 

I have made numerous attempts to resolve this issue since XX/XX/XXXX when my card was first denied by vendor. I initially responded to the request for identification with my XXXX  drivers license which does not have a real id certification. I was a resident in XXXX from XXXX and a resident in XXXX XXXX from XXXX. I moved to XXXX XXXX to serve as a XXXXXXXX XXXX XXXX XXXX XXXX  and returned to the US in XX/XX/XXXX. I was unable to provide an XXXX  drivers license immediately because XXXX  requires two piece of mail along with my XXXX  DL and passport in order to obtain a drivers license. I bought a home in XX/XX/XXXX and provided a copy of my new drivers license to Capital One. These attempts resolve the issues as well as waiting for my new drivers license was the reason for the delay in filing this complaint.
Consumer complaint received 2020-12-08
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRIAD FINANCIAL SERVICES, INC. (FL)

I believe that Triad Financial is violating UDAAP by implementing unfair practices to individuals who receive a 1099-MISC for their pay, along with pay stubs from the employer, as opposed to those who receive W-2s.

Even after attempting to speak with the mortgage underwriter as well as a manager in mortgage underwriting, their procedures blatantly revealed a prejudice toward individuals who are self-employed or are independent contractors through a company.

The company does not use your actual income, but the income that they perceive based on whatever lending practices that they have established, which do not treat 1099 employees the same as W-2 employees. The company asked for information to include bank statements, tax returns, verification of other income, and pay stubs ; however, they disregarded and misinterpreted information seemingly maliciously to deny a mortgage application. In fact, twice I was advised by their employees that " there was nothing else they could do, '' which was also extremely unprofessional. 

I have previously applied for a mortgage, was approved, and even just recently paid it in full with the same job that I've been working since 1987. I advised the company of this information and still they gave no further assistance, brushed me to the side, and upheld their unfair lending practices. I would greatly appreciate these practices being reviewed as they are clearly unfair.
Consumer complaint received 2022-03-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MI)

I am in the middle of a medical crisis, trying to determine whether or not to continue medical care due to overwelming burden of trying to get better while trying to save my house. 

Modification effort went on from XXXX. Mr Copper personnel have been negligent in performing their dutiies to offer a modification. A " fake '' modification was offered with high pressure applied to refinance. I did not ask to purchase a new product, just modify the current loan so I can afford my medical expenses. 

Was told that Mr. Cooper person assigned to my loan was a fake person " designed to make our efforts appear to be legitimate and in compliance with rules regarding loan modifications ''. It was for that reason phone calls were not returned! 

Mr. Cooper is an extremely predatory lender, one who sees escalated needs as a reason to elevate loan product sales. They are not interested in helping people, only in profiting from their misery. A listen to the phone recordings will render astonishingly disturbing results. 

I just want to save my house and get better. With Mr. Coopers help I can not foresee either.
Consumer complaint received 2022-11-30
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. (PA)

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. 

Account name : 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.
Consumer complaint received 2022-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In Accordance with the Fair Reporting act 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
Consumer complaint received 2021-11-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo Bank responded to my complaint on XX/XX/2021. The banks response does not resolve the scam issue. 
The bank states that $ XXXX was credited to my new checking account on XX/XX/2021. However, the ( scam ) transfer was posted on XX/XX/2021 from my new checking account. The transfer description indicates the funds are transferred to me via XXXX!!!! 

This indicates two things. First, this is proof that someone hacked into my checking account to make it appear as though I transferred funds via XXXX to myself ( I followed a Wells Fargo representative impostor directions on XX/XX/2021 ). How do I transfer funds via XXXX to myself ( the funds were removed from my checking account )? Second, if the transaction description indicates the funds were transferred to my, WHERE DID IT GO? 

WHY DOES THE TRANSACTION DESCRIPTION INDICATE THE FUNDS WERE TRANSFERRED TO ME??? I DONT HAVE AN ACCOUNT WITH XXXX XXXX!! 

GIVE ME ALL OF MY MONEY BACK NOW!
Consumer complaint received 2020-09-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had a late payment reported on my credit which was an error. I notified the creditor and started disputes with XXXX, XXXX, and Transunion in early XXXX. The creditor mailed a letter which I received on XX/XX/2020 noting that XXXX, XXXX, Trans Union, and XXXX had all been notified of the update. Upon checking my scores and report, all credit bureaus with the exception of Trans Union accurately updated my report and score. I've tried dealing with Trans Union but between the recent XXXX attacks their cyber security department failed to prevent and general incompetence, I have gotten nowhere. Trans Union concluded my dispute saying they never received any information from the creditor with the late payment/delinquent remark - yet the other three bureaus have ...
Consumer complaint received 2022-09-12
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. (SC)

On XX/XX/2022 I submitted a letter to the credit bureaus in regards to inaccurate and unverifiable accounts being reported on my credit report. As of today XX/XX/2022, more than 60 days from when they received the letters I have not received any type of response back from either of the bureaus. At this point, I feel like my consumer rights are being relinquished and I am being totally ignored. According to Section 611 ( a ), it states that failure to investigate these accounts within 30 days gives the reason to immediately delete the accounts from my credit reports. Additionally, according to 15 USC 1681b, there are no permissible purposes for this information to be reported on my consumer reports. I have not received a response in over 60 days now ; therefore, the accounts should be deleted. 

I demand that these accounts be deleted immediately. 

Additionally, I have checked and my information was impacted by the XXXX Data Breach and my information may have gotten into the hands of the wrong person, I am also demanding that the non-account holding inquiries be DELETED from my credit reports immediately.
Consumer complaint received 2020-09-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTAGATION RESULTS. IT HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/20 30DAY DEMAND XX/XX/20
Consumer complaint received 2020-09-03
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. (MO)

In XX/XX/2019 I recently challenged the validity of XXXX XXXX XXXX   account thats being reported on my most recent credit report. Upon challenging this XXXX  & XXXX  deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

I sold a property. The closing attorney paid off the balance with Wells Fargo on XX/XX/XXXX. As of XX/XX/XXXX, Wells Fargo still lists the balance as unpaid and filed a XXXX  day late report with XXXX and XXXX. I disputed this fact. But Wells Fargo reconfirmed that the full balance is still owed. However, I am in possession of a XXXX statement and a letter from Wells Fargo stating that the account is closed. I tried to dispute the reports again, submitting this information to no avail. The bureaus responded that the investigation is closed.
Consumer complaint received 2021-07-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I sent several emails to XXXX because they are providing incomplete and/or unverifiable information about a public record or Bankruptcy to Experian, XXXX  and XXXX 
XXXX informed that the information is verified to the 3 major credit bureaus but they havent verify that information. 
Please see the attachments as evidence and as my last request.
Consumer complaint received 2021-02-22
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. (FL)

Last XX/XX/XXXX an investigation was filed in XXXXXXXX XXXX XXXX XXXX XXXX XXXX because they reported a late payment ( Account # XXXX ). According to what they inform me by phone, after having made my payment for XX/XX/XXXX within the payment terms, it was revoked due to an error in the account. However, I do not find out until XXXX when I am doing the purchase of a house. I was never informed and it was not reflected in the web account, and I continued making my payments for XXXX and XXXX without knowing that they had not been able to collect the XXXX XXXX. As soon as I knew, I made the payment and requested a correction of this information, since the payment was made within the correct terms. I have been with this request since XX/XX/XXXX and with a lot of follow-up on my part, but they pass me from one place to another. This occurs in the middle of a purchase transition from one bank to another and no one could provide me with information. I was a victim of the transition of these banks. As recent as today, XX/XX/XXXX I called and they informed me that there are no marks in their file, however it appears on my credit. I have already sent emails as requested so that they can correct this situation and nobody responds to me. This has affected my credit and they keep passing me from one place to another without anyone helping me with this situation.
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

I have been getting charged {$2.00} minimum interest charges after paying the account off on the due date. Starting back to XX/XX/XXXX. Due date for this account is the XXXX of every month. 

-- XX/XX/XXXX, payment made of {$37.00} -- XX/XX/XXXX, payment made of {$5.00} -- XX/XX/XXXX, charged {$2.00} minimum interest fee when account was paid off on XX/XX/XXXX. 
-- XX/XX/XXXX, payment made of {$16.00}. Account paid off. 
-- XX/XX/XXXX, charged {$2.00} minimum interest fee. I knew account was paid off so didn't bother to check my balance. 
-- XX/XX/XXXX, charged {$2.00} late fee. 
-- XX/XX/XXXX, payment of {$2.00}. 
-- XX/XX/XXXX, received a credit of {$2.00} as " small balance adjustment '' -- XX/XX/XXXX, payment made {$37.00} -- XX/XX/XXXX, charged {$2.00} interest fee. 
-- XX/XX/XXXX, payment of {$8.00}, account paid off. 
-- XX/XX/XXXX, charged {$2.00} minimum interest fee. Paid the {$2.00} on XX/XX/XXXX. 
-- XX/XX/XXXX : I paid off the account for {$67.00} on the exact due date. 
Received an email on XX/XX/XXXX that my minimum payment is {$2.00} for interest, due XX/XX/XXXX. Received an email XX/XX/XXXX saying my new balance due is {$6.00} ; Previous {$2.00} interest fee, {$2.00} late fee, and now an additional {$2.00} interest fee. Contacted Victoria Secret, representative stated that he could not waive the late fee of {$2.00} but would waive the total of {$4.00} for the interest fees. Representative explains that the {$2.00} is the interest being " Carried over for the next month '' but I paid the balance off on the due date, paid in full. 

The last several months, I just paid the {$2.00} because I didn't think anything of it but been catching on to this and the fact that they're charging people interest when the account is paid on the due date.
Consumer complaint received 2022-08-15
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX 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 2018-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TN)

Over the years I have repeatedly had problems with the way that Navient ( formally Sallie Mae ) applies my auto-debit loan payments. This issue reemerged this summer unbeknownst to me. I have repeatedly requested that when I make a payment, that the payment is applied to each of my loans. Navient frequently alters the way that the loan is applied. This summer they began taking the same amount of money from my account ( so I did not notice a change ) but began applying that payment only to the lowest interest rate loans. This change resulted in my highest rate loans accruing interest and then accruing interest on interest. I would not have been charged this amount if my payments were applied correctly. 

This issue is an ongoing problem. The reason I am posting this today and reaching out outside the Navient organization is that I had the exact same problem with Navent in the past, and it took a great deal of time and effort to get the issue corrected.
Consumer complaint received 2022-11-30
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. The list of accounts below have 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have all 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.