davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (FL)

On XX/XX/22 I was denied the right to continue in the loan process for a mortgage because the title to my home shows I am the rightful owner. Because of creative and fraudulent activity my home was stolen from me. Previously submitted complaints. County records state US and received XXXX for my home. XXXX XXXX I had a principal balance of XXXX. Almost 10 years later almost XXXX tacked on and principal not reduced despite making payments and write offs from Litton Loan and Ocwen. I want the release of title and satisfaction of lien recorded with the county.
Consumer complaint received 2020-09-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (ME)

I called Navient today to extend a program I was enrolled in called the Rate Reduction program. It basically lowered my payments and interest rate to be more affordable - I was paying around {$270.00} a month which was great. At the time I enrolled in XXXX of XXXX, I was told I could apply as many times as I needed to extend the program. I called today, XX/XX/XXXX, and the rug was pulled out from under me. I was told that based on my and my cosigners FICO scores that I was no longer eligible. I asked why, and they refused to tell me. I was told that they can not discuss MY credit report with ME. I asked for a supervisor, who told me the same and presented me with what she called interest only payments which were only {$45.00} less than my full monthly payment which makes absolutely no sense. I pressed and continued to ask why this was happening, telling them that I was told in  XX/XX/XXXX I could extend the program as many times as I wanted. I was told nothing is guaranteed and all of my questions remained unanswered. They just kept telling me about the interest only program and to talk to my co-signer. I dont see why transparency would be refused if there was something completely legal and within the rights of the loan servicer that was the reason. I feel deliberately misled and taken advantage of and I do not understand how it is legal for these huge companies ( whose revenue was XXXX XXXX dollars in XXXX   alone ) to abuse people in this way. I want answers.
Consumer complaint received 2020-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (IA)

I had received my normal month-end statement that said our new balance to pay on XX/XX/2020. No where in the statement did it mention a specific process for paying off our balance or that our funds wouldn't be applied like normal during our automatic payment on XX/XX/2020. On Saturday, XX/XX/2020, I received an automated message saying that I needed to call PennyMac during regular office hours regarding my account. I called on Tuesday, XX/XX/XXXX because of the holiday on XXXX XXXX. When I called, I told the lady on the phone that I had received a phone call on Saturday that I needed to call them for some unknown reason and explained that my bank account had never showed that my payment was made. When the lady looked into it further, apparently the balance due was less than the amount owed and that I couldn't pay off my loan using the same method as the previous 3 years worth of payments. I needed to request a payoff demand statement for {$25.00} and pay using a wire check, or certified cashiers check within a week of requesting the payoff demand statement. Had I known this prior to my payment due date, I would have gladly done this, but there was no communication whatsoever throughout the life of our loan that shared this information. I checked on PennyMac 's website that I log into and it didn't say anything. So not only did I have to pay extra fees to pay off my loan, but I was charged interest on top of it because my payment was late. There's no way that a normal person would know this and they made it way more complicated than it needed to be. I was surprised that I never received a letter saying something to the effect of it looks like your close to paying off your loan, here 's your next steps. They chose to not disclose that information to make more money and for that I am really upset. If my previous month 's statement had said anything like that or to call them to ask for payoff next steps, I would have gladly done so, but that was not done and I assumed that everything was good to go because all of my previous payments had gone through.
Consumer complaint received 2020-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (DE)

This is the THIRD time I have complained about Bayview Loan Servicing. They refuse to cancel and eliminate my PMI. They claim they do not have to based on a late payment from XX/XX/XXXX. Though the payment was late, it does not usurp the Home Owners Protection Act of 1988 which states that once 78 % of the loan has been remitted, the servicer is obligated to eliminate the PMI on the loan.

Bayview has refused three times, and continues to hold onto the late payment as their excuse. This despite the fact that they admitted back in XX/XX/XXXX that I had remitted in excess of 104 % of the loan. 
They provided their " sympathies '' but stated there was nothing they could do. 
My payments have been remitted on time and NOT within the grace period, I mean on the 1st of the month when the payment is due for the last four months and we are CURRENT on our loan, so Bayview is out of compliance of the law. Last month they sent me an email  XX/XX/XXXX stating they had not yet received my payment for XXXX XX/XX/XXXX and that it was late. It wasn't DUE yet. They then sent another email to retract the first email. This company has issues, and to top it all off, they are changing their name, which concerns me even more, as I believe there has been impropriety involved with others and not just me, which is prompting the name change. I am complaining AGAIN because Bayview owes me money AND they are obligated to eliminate the PMI. I have been paying this mortgage for 15 years, and the PMI should have BEEN eliminated a  while a go, however, they neglected to inform me of the process to remove it in a timely manner, and then refused to elminiate it due to a rule that does NOT apply to this loan. 
I am hoping someone will actually investigate and hold Bayview to  account for their irresponsible and improprietous practices.
Consumer complaint received 2022-01-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: FinCo Services Inc DBA Current (NV)

This is a NEAR duplicate of Complaint XXXX with additions. I am filing this new one because I was not able to upload documents to the original. It is also not clear which sponsor of Current is the correct recipient of the complaint, so this complaint lists the other sponsor 's address ( it isn't clear which of the two banks listed is their sponsor, or both ). This is yet another problem with Current. Current app doesn't state clearly or disclose whether and how XXXXXXXX XXXX  XXXX XXXX XXXX, or XXXX XXXX Bank is the sponsor, or how these three entities differ in their relation to Current and Current 's customers. 

I opened a checking account with Current a financial technology company, through their sponsor, XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX During the signup, it offered me a bonus to link my direct deposit to the account. It asked for my employer 's name and address. It provided no disclosure of how that information would be used. After entering the information, I was shown a screen that stated a direct deposit request form with my account information would be sent by physical mail to my employer. I was not given any chance to opt-out or refuse. I do not want this form to be mailed to my employer. I contacted Current by email and made several requests that they cancel this letter and do not send any documents to my employer. I was told this is impossible. I requested management to contact me. No one did. It is not acceptable to force this letter to be sent to the customer 's employer, which the employee has no way to intervene or stop, which will force the Current account to receive the customer 's direct deposit. I demand the right to control how and when my direct deposit is added to receive any payments, and the bank is interfering with my ability to properly manage my direct deposit settings with my employer. This is completely unacceptable, unfair, misleading, and a breach of my privacy. As you will see from the attached screenshots of the process, nowhere does the app tell you it will mail a form or ask for permission. Immediately upon entering the employer 's address, a screen pops up informing the customer that a form will be mailed to their employer.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Owed : {$0.00} XXXX  XXXX Owed : {$0.00} XXXX XXXX Owed : {$95.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Owed : {$2200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Owed : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Owed : {$930.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$2200.00} XXXX XXXX XXXX XXXX Owed XXXX {$17000.00} Date Opened : XX/XX/2021
Consumer complaint received 2019-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vengroff Williams, Inc (CA)

XX/XX/2019 I received a creditor letter stating I owed money for something that is not my debt. 
The letter is dated XX/XX/2019 The amount is {$2100.00} The company enlisted is Vengroff Williams , Inc. 
The company owed is XXXX XXXX
Consumer complaint received 2022-07-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There's XXXX XXXX XXXX XXXX credit card on my account that were paid and closed on XXXX. However XXXX XXXX XXXX kept the credit cards open until XXXX, and XX/XX/XXXX to accumulate more fees despite the cards to my knowledge been closed on XXXX. Now the cards is showing on my credit report as both late and charge off on XXXX and XX/XX/XXXX when this information is not accurate because the account was paid and closed on XXXX and XX/XX/XXXX. 
I need the XXXX XXXX  XXXX account to report the accurate closed date on my XXXX and Transunion credit report and to show as paid and closed because they where paid and closed on XXXX and XX/XX/XXXX.
Consumer complaint received 2020-09-09
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. (AL)

On XX/XX/XXXX I sent a letter to all three bureaus reporting inaccurate and unknown things on my credit report but to this day nearly two months later I have not received a response yet. I was told maybe you can help me. It's three different bureaus and the fact that none of them even took the time to respond to me makes me feel like I'm being taken advantage of and basically ignored. Section 511 ( a ) plainly  states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It's currently XXXX so I ask that they please go ahead and delete those items. I demand these accounts be deleted immediately or I will file for litigation due to the blatant neglect you all have shown me. My information was also impacted by the XXXX data beach which caused some of my information to possibly get into the wrong hands. So this current neglect is only adding fuel to the fire. Please remove these items immediately
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the collection account referenced attached. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
St

atements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the XXXX XXXX Office. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-01-25
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 2020-09-09
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. (UT)

XXXX XXXX # XXXX & XXXX is reporting a late on my credit report for XX/XX/XXXX XX/XX/XXXX -XX/XX/XXXX- I was not late. Due to unforeseen circumstances surrounding the pandemic of COVID19 &  being Quarantined since XX/XX/XXXX and I have been severely impacted.. I tried to call in several times and the hold times are hours. I thought my payment went through and I have had an account with you since XX/XX/XXXX.. I have never been late. This was not my error. Can you please remove this late payment? You also closed my account after all this time for one late payment? It is very disappointing that you guys would do this.
Consumer complaint received 2022-09-18
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. (TX)

I have filed a police report for 6 months and they never receive the documents, of course not certified mail. Never got them on their own upload. XXXX won't even dispute them unless I mail them Hard copies which I did but they never received them of course, nor did Equifax. It is an XXXX XXXX XXXX from XXXX of XXXX, I have called XXXX XXXX 3 times and they can not even find It in their system, but all 3 bureaus verify it as accurate which is a lie because they can not even find it! I am so done with these Credit Bureaus holding my Credit down so they can make money for credit repair, sent Identity Theft Affidavit and that wasn't good enough, they took 30 minutes 2 verify me only to say no they won't help me unless I filed a FTC report, that was wrong, you are the CFPB. Their employees don't know what they are doing with missed info, really??? Please help me!!! 
XXXX has XXXX XXXX XXXX for {$2400.00}, the other XXXX have got that right. 
Someone keeps trying to buy a car with my XXXX Hard Inquiries XXXX XXXX XXXX, 5 times XXXX response 3-time disputing XXXX XXXX : Our reinvestigation of the dispute ( s ) and/or another request ( s ) you recently submitted is now complete. If we were able to make changes to your credit report based on the information you provided, or if you requested the addition of a statement, we have done so. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. 
There are only 2 inquiries on XXXX XXXX  XXXX on XX/XX/XXXX and XXXX XXXX XXXXl on XX/XX/XXXX so Please tell Equifax and XXXX to take all those 27 other inquiries off of my XXXX report since they will not help me!!
Consumer complaint received 2022-01-25
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. (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 2022-01-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I called the bank of America my lender many times since XXXX, XXXX, XXXX and XXXX, every months asking them to modify my loan, lower my rate and lower my payments, so I can be able to continue the payments since my income is less due to Covid PANDEMIC, they completed the new application few times to modify my loan they told me I am qualify for modification, I should be getting a new package in 10 days, but for past few months I never get any new package from bank, I only get a bill with late fees, I requested help from mortgage relief to help me they told me bank of America is not participating to their program, so I can not get any help that I need. please help me to be able to use government agencies like mortgage relief and other sources and ask bank of America to modify my loan as I am qualifying by law for this modification. 
I need help. PLEASE HELP ME. 
Thanks,
Consumer complaint received 2020-09-09
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: CITIBANK, N.A. (TN)

PROBLEM : Since XX/XX/XXXX I have been trying to get CitiMortgage to correct my credit reporting for the BIG 4 including XXXX, XXXX and XXXX as promised. I was told once my modification was completed all of my negative reporting would be cleared up as ok. 

I started the process in XX/XX/XXXX and it finally concluded on XX/XX/XXXX with the modification. Immediately, CitiMortgage disbands the division, the employees disappear and my loan is transferred to XXXX XXXX. 

CitiMortgage was practicing the same hanky-panky which got them fined for {$28.00} XXXX by the CFPB ( XXXX ). 

CitiMortgage would start the process, inform me not to make payments, asked for documents and would tell me my credit reports would be cleared for non-payments and changed to OK status. 

I was told throughout the process my credit reports were going to be corrected to show in good standing for every month throughout the process because I was doing everything on my part to get the modification done. 

The process would begin or restart and stop by CitiMortgage after changing agents and using the excuse they had no paperwork, did not receive paperwork or needed other paperwork as I went through XXXX XXXX ( XXXX ), unknown worker ( XXXX ), XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ). 

CREDIT REPORTING : For CitiMortgage I show over 30 days late for ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and ( XXXX ) XXXX. Also, I am over 60 days late for ( XXXX ) XXXX, XXXX and XXXX. Finally, for ( XXXX ) I am over 90 days late for XXXX, XXXX and XXXX and over 120 days late ( XXXX ) XXXX, XXXX, XXXX and XXXX. 

In addition, despite making payments to XXXX XXXX for {$1300.00} on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX and {$1300.00} on XX/XX/XXXX ( see XXXX XXXX Statements for payments ), XXXX shows my account being past due on XX/XX/XXXX for over 120 days late for {$16000.00}. 

In my conversations with XXXX, despite knowing payments were made on time starting in XX/XX/XXXX, they will not correct the XX/XX/XXXX negative report. 
Finally, CitiMortgage has had a history of this behavior with their customers. How they are allowed to be in business is a mystery because they dont seem to care. 

OTHER EVIDENCE : 1. XXXX XXXX Statements from XX/XX/XXXX XX/XX/XXXX showing on time payments to XXXX. 
2. Emails with CitiMortgage 3. Emails with XXXX showing CitiMortgage was unresponsive for SIX months from XX/XX/XXXX to XX/XX/XXXX getting XXXX the necessary information to complete the modification. This same lack of responsiveness was also why my information was never changed on my credit reports as I was told it was after the completion of the modification. 
4. Credit reporting from CitiMortgage & XXXX XXXX