davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rhode Island Housing and Mortgage Finance Corporation (NJ)

We requested to have our Mortgage Insurance Premium ( MIP ) removed from the FHA loan on our condo in  XXXX   XXXX , RI in the first week of  XXXX   XXXX . The loan was originally signed in  XXXX   XXXX . Once we received confirmation over the phone, we sent in checks to the amount of {$7200.00} as requested to reach the 78 % required to have the MIP cancelled. The first response from RI housing we received after that was on  XXXX   XXXX  from  XXXX   XXXX , the Customer Service Escrow Supervisor. She stated in an email that the MI could not be removed at that time, but gave no explanation why. After multiple requests by phone and email to schedule an appointment,   XXXX    sent an email on  XXXX   XXXX  saying that the risk manager would be sending us a letter. Multiple times we conveyed our confusion to the response, as the regulations we had found confirmed our ability to cancel the MIP at our request once we met the standard guidelines. On  XXXX   XXXX , Risk Manager  XXXX   XXXX  sent a letter saying that the MIP would not be cancelled and did n't answer our questions regarding  12 USC 4209 ; the  federal guidelines toward cancelling MIP at the request of the borrower. On  XXXX   XXXX  we received a letter stating that we were defaulting on our mortgage due to lack of payment. This is objectively false, and due to the unnecessary delays by the office our payments were never documented. We have saved the email correspondence, have our bank statements, and will be counting all the phone calls we tried to reach R I Housing wit h. We stopped calling  XXXX  's office because our calls were never answered. We tried different phones within the office and asked to be connected in order to get through. We asked for what is rightly ours by the federal laws that protect borrowers. We have met all the criteria to have our premiums cancelled. The premiums RI housing continued to collect 30 days after our initial request should also be refunded to us as the borrower ( which is protected by federal law ). The letter stating default on the mortgage needs to be removed from record as it 's false and destructive for our credit. The office 's inability to offer an adequate customer service needs to be documented and has been proven to be detrimental to the clients they claim to serve.
Consumer complaint received 2018-04-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: REGIONS FINANCIAL CORPORATION (TN)

I requested a mortgage modification with XXXX XXXX, the modification request has been processed and I received the documents for the Trial period Loss Mitigation option. The modification documents have my ex-wife name on them and they are also requiring her signature, XXXX XXXX was Quit claim deed off the property XX/XX/2016. The mortgage loan was obtained in my name only. I can't sign these documents because they are incorrect and they include her name. If my ex-wife signs these documents it will add her to the mortgage loan and Title, Regions will record the modification agreement adding her name to they are of which of which she wasn't ever on the mortgage.
Consumer complaint received 2017-06-15
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Navient Solutions, LLC. (IL)

I have previously contacted the CFPB about repeated harassing t elephone calls from Navient. They have responded to my request to stop their calls through the CFPB. Navient responded on  XXXX /17 with the following response. " We do not have an account for you that we are able to locate, nor any record of your phone number in our system or calls to the number provided in your CFPB response. We have added your number to our do not call list. '' Navient continues to call my telephone number. Navient makes illegal harassing calls, and makes false statements to me, and the CFPB. Can any other federal agency address this issue. I can not be the only victim of Navient 's ill egal behavior.
Consumer complaint received 2018-04-27
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (CA)

I have an auto lease with GM Financial that I opened last year. I have always had problems with them billing me the correct amount each month. Now, I have noticed that they have not been updating this account on my credit report correctly since last XX/XX/XXXX.
Consumer complaint received 2017-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have a student checking acco unt with Fifth Third B ank that I have had since my freshman year of college. I have remained a college student since, without taking any time off. Without my knowledge, and without the bank notifying me, my student status had expired until I went into the bank with a student ID to prove I was still going to college. Since the bank no longer considered me a student, I was being charged $  XXXX  month  for having the account. This expired in  XXXX   XXXX , and I did not realize until  XXXX   XXXX , by which time I had been charged {$11.00} for 5 months. When I realized this, I went to the bank with my student ID to show them I was still a college student. They renewed my student status, but I was still unfairly charged with {$55.00} total. I called customer service to complain, and they replied that they could only refund {$11.00}. After further complaining to th e manager, I was refunded an additional {$19.00}. However, I am still down {$25.00} that was unfairly stolen from me . I was being charged even though I was a student the entire time. I am currently workin g 45 unpaid hours per week at a   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . While it is a very minimal amount for the bank , {$55.00} is a substanial amount of money to me since I do not currently have an income.
Consumer complaint received 2017-06-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

In  XXXX   XXXX  I sent a lette r to I.Q. Data International , Inc. as king for validation of debt with   XXXX   XXXX     XXXX   XXXX   XXXX . On  XXXX   XXXX ,  XXXX  I received a letter stating the prinicipal due is {$7000.00}, copy of a lease that expired  XXXX   XXXX ,  XXXX  and a move out statement dated  XXXX   XXXX ,  XXXX . An expired lease and a move out statement that I did not sign or agree to the amount owed is not validation of debt. Beginning  XXXX   XXXX  I have been disputing the validity of this account with all  XXXX  major credit bureau s (    XXXX   XXXX   XXXX   XXXX    ).  All  XXXX  credit bureaus responded stating the account is verified. They also failed to provide me with documentation they received to verify the debt.     On  XXXX   XXXX ,  XXXX  I appeared in  XXXX   XXXX   Superior Court and agr eed to the prinicipal judgment amount of {$4500.00} owed to the   XXXX   XXXX    XXXX   XXXX   XXXX . This account has been reporting to all  XXXX  credit bureaus incorrectly since  XXXX   XXXX ,  XXXX . Attached are documents received from  I.Q. Data International , Inc.,  and the Agreed Judgment Summary dated/signed  XXXX   XXXX ,  XXXX  by myself, my attorney, the attorney representing the   XXXX   XXXX    XXXX   XXXX , and the Judge.
Consumer complaint received 2017-06-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc. (NY)

This property was listed on  XXXX   XXXX ,    2016. There are 2 mortgages on this property. We received an approval from the first bank and they agreed to pay the second bank Real Time Resolutions {$6000.00}. Real Ti me Resolutions asked for the payoff letter from the first bank and then declined the offer and request an amount of {$22000.00}. After going through a divorce, which left me with sole financial responsibility for the property, I depleted my savings trying to maintain the payments for as long as I could. I was then forced to sell the property after being unable to make the payments. I was unaware that my home was in an area that lost so much value. I never expected to sell at a loss since I had already depleted all of my savings. The home is in need of repairs however I currently have a buyer, that was approved by the first lien holder.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CJA Auto Sales, Inc. (AZ)

I have spoken to  XXXX  at this company several times and come to find out, she is recording my phones calls without telling me that they are recorded. I found this out through another customer that is having the same issue with this company. This company has used scare tactics and threats to me and my husband. I have repeated several times told this company that my husband and I do not have money to pay and I have even sent them documentation proving my  XXXX  status with Social Security and my husbands status. They still are pursuing us and making threats, the last phone conversation I had with  XXXX , she recorded it and did not advise me of this, or the fact that this was attempt to collect debt, never have they said this to me during any of our phone conversations. This company is using unfair collection tactics that are against the law and I would like them investigated please. I have heard countless stories about them and I also have my own experience. I have been in contact with an Attorney and will file a law suit for this unlawful behavior. I have told this company and even provided document to further prove out financial situation. We are filing Bankruptcy in a very short order and I have also told them to stop contacting me and I still get emails from them.
Consumer complaint received 2017-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

On  XXXX / XXXX / 17 , I submitted a complaint to the CFPB in regards to an unverified debt. The company provided un-signed documents indicating I had a loan with a company via online. However, there should be other identifying information related to this account and this company has failed to provide. As part of my complaint the company stated a deletion was being submitted and the information should be removed from my credit profile within 30 days. As of today,  XXXX / XXXX / 17 , the account remains. The complaint in which this company responded is  XXXX  and the company stated " In consideration of the consumers confusion, and as a gesture of good will, we will issue a deletion to the bureaus on this account. Please understand that once we have issued a deletion to the b ureaus, it may take up to 30 days for entry to fall off of the consumer 's credit history. Please let us know if we can be of further assistance ''
Consumer complaint received 2016-08-20
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY (NJ)

Target is reporting an account on my credit report that was found to be in violation of the Fair Credit Reporting Act. I hired XXXX XXXX, an FCRA attorney in New Jersey, and we were able to sue them and the credit bureaus, and I won. As part of the settlement, they agreed to delete this account on my credit report but I see that it is still on there. I even disputed it with the credit bureaus and they came back and verified it. Is n't that another violation of the FCRA?
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I have been in contact with experian numerous time about errors on my report. I have done all their steps to get issue resolved however every time i call, i speak with a different person who providers different information.The are a numerous inquiries on my report that was not authorized by me and when i tried to reach the companies they can not locate me either. The companies   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2018-04-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

I opened a Citi bank priority checking account on XX/XX/XXXX and funded with {$50000.00} in order meet a promotion to receive XXXX   bonus points. I opened the account at the XXXX XXXX XXXX branch with a banker. The promotion required that the account be funded with {$50000.00} have 2 consecutive direct deposits within 60 days of opening the account. My first direct deposit was completed on XX/XX/XXXX and I did not remove my direct deposit from this account since. If I completed the activities stated above I would receive XXXX  points.

I spoke to my banker that opened my account in XX/XX/XXXX to find out the status of my points since I have not yet received. He said that I should be receiving them soon. I then waited until XX/XX/XXXX to follow up with my banker and he did not respond. I emailed him again on XX/XX/XXXX. He then responded and said he would look into it. I received to response. I then emailed him again onXX/XX/XXXX and I did not receive a response. I decided to then call Citi customer service since my banker was not responsive. They said they would complete an investigation and get back to me ( reference # XXXX ). I then received a letter with investigation results on XX/XX/XXXX. The results said that I did not complete 2 consecutive direct deposits within 60 days. I checked my account and I in fact had 2 consecutive direct deposits within 60 days of opening the account on XX/XX/XXXX. The first being on XX/XX/XXXX and the next deposit was on XX/XX/XXXX. I then called to discuss these inaccurate findings. I was transferred to multiple parties and no one was able to help. I finally came across a customer service representative that was willing to help. He said agreed that I completed the required actions to receive the bonus points and he had to speak to his manager to have this corrected. He called me to update me on the status and let me know that the issue was not yet resolved and then stopped calling me. Of course, there was no way for me to contact him directly. This issue has still not been resolved and I am exhausted trying to work this out directly with Citi bank.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act. The list of accounts below has been 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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.

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 consumer to any consumer reporting agency if the person knows or have reasonable cause to believe the information is inaccurate.
Consumer complaint received 2017-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

Navient failed to notify me of important deadlines to renew my income based repayment plan. Resources to  find these deadlines, and the appropriate procedures to follow, were n't even available on their website. I 'm a busy person, and remembering when and where I have to renew my repayment plan was lost in the mix of everything else I had going on. My f irst IBR payment wa s made in  XXXX . Less than a year afterward, with no explanation or warning, my monthly payment went up, and I was charged {$370.00} in capitalized interest on  XXXX / XXXX /  XXXX  . A few months later, I was given information to ( quite easily, I might add ) file for forbearance after I 'd been late on payments. At no time, EVER, did they direct me where to go to renew  my IBR plan. I searched around on the website, looking everywhere to find information on renewing my plan, to no avail. Given that it had been over a year ago, I did not remember that the place to submit documentation was not Navient, but a gov ernment website. I now have accrued interest from said forbearance ( and deferment later on, as I STILL COULD NOT AFFORD THE $  XXXX /MONTH THEY WERE BILLING ME FOR when my forbearance was over ). I 'm disgusted by these shady, irresponsible business practices.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

RE : Trafficking Block Request Dear Sir or Madam, I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, which is currently listed on my credit report is a result of that trafficking. 

XXXX XXXX XXXX As a victim of human trafficking, I have faced numerous challenges, including the accumulation of adverse credit information that resulted from my victimization. I am providing the following documentation to support my request for the removal of such adverse information. 

1. A full copy of my consumer report.

2. A copy of a statement from a victim services organization confirming my status as a victim of human trafficking. 

I kindly ask that you remove all adverse items of information related to any delinquent acts or conduct that occurred as a result of my status as a victim of human trafficking. 

These items have had a significant impact on my financial stability and overall well-being, and Their removal is crucial for my ongoing recovery and ability to rebuild my life.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (RI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-10
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: Experian Information Solutions Inc. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX