davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

We initially contacted Freedom Mortgage ( Spring XX/XX/XXXX ) to  drop our PMI when our LTV was at 80 %. We were told since our loan was less than two years old, we will need to get an appraisal to determine if the value of the home had changed. After the apraisal ( {$600.00} ), we got a letter a week later stating that in order to drop PMI we have to be at a LTV of 75 %. ( btw, we've never been late for a payment ). We did learn that some mortgage companies do require a 75 % LTV, so we brushed it off as a standard practice and kept making payments ( even though we did feel a bit misguided by Freedom Mortgage ). 

We finally hit 75 % LTV earlier last year ( Spring XX/XX/XXXX ) and once again, submitted a written request for our PMI to be removed. They sent a letter stating we were not at the correct LTV to drop PMI and that the last appraisal was only good for 6 months and we need to pay for another one. We were told once the loan hits a 75 % LTV, the PMI will automatically get dropped. However, if Freedom Mortgage had done this, I would not be writing this complaint. We are now just below 73 % LTV and Freedom Mortgage is STILL refusing to drop PMI unless we pay for another appraisal. 

This is ridiculous! When will it stop? We've gotten so many mixed messages from F.M. that we're beginning to think they're purposely scamming us into paying unnecessary PMI payments. We've gotten confirmation ( over the phone ) that we are eligible to drop our PMI, but then we receive a letter stating we need to meet certain requirements before the PMI is dropped ( which we ARE currently meeting ). 

We try to email this company to keep a communication chain, but every time we email them, they reply by sending a printed response by mail. Our case notes are never recorded, so each time we call to get an answer or to check the status, no one has any history of previous calls/complaints and we have to go through our entire ordeal every time. 

If this complaint doesn't help get a response from Freedom Mortgage, I will likely seek legal action against this company. We've wasted thousands of dollars waiting for this company to do what is LEGALLY required, but they continue to disappoint.
Consumer complaint received 2018-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (NY)

NYSHESC has not provided me with a detailed accounting history of my account, which I demanded in my previous complaint, as well as in my letter to the Governor, which I copied to NYSHESC.

NYSHESC is also continuing to deny that they have illegally overcharged my account in XXXX of XXXX, adding over {$1300.00} to my balance, above and beyond the principal, interest, and $ 1,200+ collection fees, which they did as they concurrenty applied a payment to my account from my garnished XXXX New York State taxes. 

NYSHESC is continuing to refuse my very reasonable settlement offer, which is to pay the full principal balance, plus interest accrued, minus the adjustment of payment applied from my XXXX New York State tax refund. 

I sent NYSHESC and XXXX two 20 pages faxes detailing my offer, and my financial hardship. Rather than work with me after I have so carefully compiled and supplied them with extensive documentation for my case, they choose to blow me off and continue gouging me, adding insult to injury. 

This is the first year I have been in any way shape or form able to begin settling my debts, and I am fighting for my life to get on my feet financially. What I do not appreciate from this predatory and dishonest company is a kick in the face while I'm down. 

I fear that NYSHESC will only continue to illegally add money to my account that I do not owe indefinitely. 

And so at this point, I am consulting with a lawyer, and spending the money I hoped to save for my daughter 's XXXX presents, to avoid a lifetime of indebtedness to a company that exhibits no care or concern to help me settle my debt.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

This letter is a formal complaint that you are reporting inaccurate an incomplete credit information. In accordance with Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( hereinafter referred to as " FCRA '' ), your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. 
I am formally requesting verifiable proof of the original consumer contract with my personal signature on the record. 
I have listed the accounts below in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA, unverifiable accounts must be promptly removed. Otherwise, anyone paying you for your dad is probably fraudulent. I demand to see verifiable proof. 
I formally demand the following negative account records to be verified and/or removed immediately. 
Must provide proof of all your verification of the debt and we're you obtained it from Provide me with copies of any papers that show I agreed to pay what they say I owe with the original contract and my signature Identify the original creditor Provide a verification or copy of any judgment Please provide proof of the debtor, that they are licensed in my state and provide me with their license numbers Thanks much in advance.
Consumer complaint received 2018-10-23
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. (MN)

Dear Madam/Sir : A check of credit balance for {$66.00} was issued to me on XX/XX/2018 by the Citibank, perhaps because of the part of the policy not to hold consumers ' credit balance for more than 2 months ( and not at my request, I never made such request either verbally or in writing ). Even before issuing this check Citibank put a charge ( debit ) on my account for {$66.00} on XX/XX/2018 and then issued the check on XX/XX/2018. ( plase see the XX/XX/2018 statement sent to you ).  The Citibank says that a debit of {$66.00} was put to my account to remove the credit balance, which is quite illusive and misleading. If the credit check was issued to me be by mistake for which I was not entitled then only a charge could have been pushed in to counter it, else the charge should not have been pushed in. This action has reduced my credit balance for the month of XX/XX/2018, by {$66.00} or voided the check already issued to me.. 

So far closing my account wih the Citibank is concerned, I did not just close my account because of this, but due to many other reasons including unjustly denial of my conditional credit by Citibank, saying that it gave me condional credit even befor I initiated the dispute orr even before I purchsed the item in dispute. 

Even after closing my account with Citibank, Citibank called my home on XX/XX/2018 at XXXX XXXX from the phone # XXXX, registered with CITI ( Call log attached ). This is unethical on part of the Citibank. This contitutes a harrassment to vulnerable adults in the state of Minnesota also violates federal rules and Citibank 's own policy. 

Regards,
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (IA)

In accurdance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated ry rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; arCI 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2019-01-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

Called IQ Data to inform them about court cases regarding debt. Was transferred to an agent who continued to interrupt me, would not transfer me to a supervisor, threatened to put me in a " time out '' -- literally said time out. I attempted to give them the case information and he continuously stated that I had called multiple times with the same story. I have called this company all of twice. They contacted me previously and refused to state their identity or the debt holder.

Currently, there are two pending legal actions regarding this alleged debt. I will be in court on XX/XX/XXXX. The originator of the alleged debt has been served by certified mail ( twice ). XXXX at XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX are quite aware of the legal actions. The collection agency XXXX aka IQ Data is  also aware. 

I attempted to give them my lawyer 's information and he continuously interrupted me. At that time I muttered " XXXX this '' and hung up. This behavior is harassment and illegal.
Consumer complaint received 2023-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate These accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-01-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NC)

XXXX XXXX Paypal funds were in my PayPal account and I initiated a transfer to our joint account at XXXX XXXX XXXX. I received a message that my funds could be under review, I contacted PayPal and they informed that my transfer was initiated and as it was in a batch that they had no control over the automated system. The supervisor informed me that the review was completed and after the holiday of the first I should expect the funds in 1-3 days. 
I contacted them via e-mail asking why the funds where stilll in review today and also was on hold for 47 minutues and was informed by XXXX that the system was automoated, the supervisor was incorrect and that the first e-mail was correct. My funds were in review and that I can expect my funds sometime next week. 
These funds were to help with a medica payment in order for my wife to recieve additional medical treatment. 
I believe that Paypal was not forthright and that it was intential to hold the monies, regardless of no disputes, the personal medical situaton or compliance on my behalf. The funds are tied up under the review process which I think is a sham and way to gain more interest at our expense. If my wife suffers as the result of this, and I am asking friends to assist me with a short term loan which compiles the stress - I am holding Paypal responsibile as they misled me, were not professional and made it difficult to reach them.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MA)

I was sent two letters from chase regarding end-of-lease fees. The first amount was {$1500.00} ( approx ). This was for minor scratches and dents. This amount was sent to the credit bureaus as a " new monthly payment amount '' and dropped my score heavily. I called chase and disputed the amount. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX for {$320.00}. It was actually hard to read and took about 5-6 reads to understand. On XX/XX/XXXX, I received an email from XXXX XXXX that my score dropped, this time 70 points due to missing a payment. Chase bank sent it to the credit bureaus. I paid it on XX/XX/XXXX on the phone with Chase and began disputing it as late, considering the letter had no indication of paying within 30 days. A woman at chase bank stated " pay upon receipt '' means due when they send out the letter, which means the count down starts XX/XX/XXXX. She also stated I should know better than to call on a Saturday to figure things out, as her department isn't open on Saturdays. That means no extra time for it to go through the USPS and arrive at a person 's house. It took 5 mailing days to arrive. I disputed with XXXX  and they replied that Chase said it is  indeed correct. I received a letter in the mail dated XX/XX/XXXX ( received XX/XX/XXXX ) also from Chase stating it is Massachusetts law that I can appeal the {$320.00}. I think that is a little late to issue such a letter, given the damage done.
Consumer complaint received 2018-10-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC (TN)

I advised XXXX that I wanted to stop any automatic withdrawals from my banking accounts on XX/XX/XXXX. Since this time they have taken out four additional automatic withdrawals on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX totaling more than {$600.00}. One of those was taken out even though I had a payment arrangement with them and two have resulted in insufficient funds fees of XXXX each. I am now sharing an account with a family member and did not want them to know about this loan. When I called them and asked how much my original loan was for, how much Ive paid back and what my balance was, they could not give me this information. I had issues with XXXX before and made a serious error in judgment by going back when I was told that things had changed. These errors are their part have resulted in my family member being aware of my loan and of additional expenses. Everything Im telling you can be verified if their calls are recorded.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights. 15 usc 1681 section 602 A States I have a right to privacy Under 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my permission. For as these accounts are damaging my credit worthiness
Consumer complaint received 2018-10-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Last XX/XX/XXXX, I purchased a program that was financed on multiple credit cards to purchase a revenue and education system from a company called XXXX. 

My purchase with Bank of America and had an initial purchase of {$20000.00} placed on it to buy into XXXX and start my education. In XX/XX/XXXX, the Federal Trade Commission ( FTC ) shut the company down for multiple reasons. The XXXX website, as well as it's subsidiaries, were also shut down. Many people were left with no contact, a lot of debt and no income to pay those bills. 

I have not received what I was promised - an education, training, income. 

Many of the companies I used as a line of credit to complete the purchase have provided in full charge backs. The companies I have received full refunds are XXXX, XXXX XXXX, XXXX and XXXX. 

But back to Bank of America - they gave a provisional credit and then retracted it. I would appreciate it if they would create a charge back of {$20000.00}, which is the XXXX down payment.
Consumer complaint received 2019-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

The companies investigation did not fix error 's. 

I am very upset that the credit reporting agencies have included the below inaccurate credit information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently credit which was very stressful for me. 




XXXX XXXX XXXX : Account # XXXX Closed Account Incorrectly Reporting Terms Closed Account Incorrectly Reporting Installment
Consumer complaint received 2023-11-09
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. (TN)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 15 usc 1681 section 602 A States I have a right to privacy Under 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my permission. For as these accounts are damaging my credit worthiness
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

I reviewed my Consumer Reports and noticed that I had several late payments on an account that I have never been late on. Consumer Reporting Agencies have taken on a vital role and have a responsibility to report on consumers to the best of their ability with Maximum Accuracy. I have never been late on payments on the account : XXXX : NUMBER XXXX Date : Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments be brought up to date on time as they should be as I have NEVER been late. Thank you.
Consumer complaint received 2018-10-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (NY)

We have been sending documents to prove that we qualify for a Loan Modification and each time we comply with the completed package that was requested by the CITI Representative, we think we are going to get an approval here we go again, more and more documents. This package that we are preparing for submission now we have sent 7 times and each time we must start over, Please help us with this situation. We want and need to save our home. We need to know if there is some reason that we are getting the run around with our account. 
As soon as we submit the requested documents, Citi refuse to acknowledge the receipt of the documents. Each time we must start over, we want to comply with their procedures and get an approval to save our home, however the requests are always the same documents we have already sent with a few more requests added. 
We are submitting the 8th full package to day XX/XX/18 - 28 documents, what will they need this time? 
Please help us. We can payment a down payment we can afford the mortgage
Consumer complaint received 2019-01-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

My paycheck is being garnished for a debt that is unknown to me in the amount of {$4400.00} ( this included fees ). I requested information from the Plaintiff attorney, however they did not comply. I was told they could not tell me and I had to pay. Basically they were not very helpful. I received the garnishment papers from my employer on XX/XX/2018. I called the Plaintiff attorney on XX/XX/2018. I attempted to request a hearing, however I did not have the funds to pay to request the hearing.
Consumer complaint received 2019-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC (TX)

I have called Security Credit Services at least 20 times with no resolution. I spoke with a representative named XXXX. The other 19 times I was sent to voicemail with no returned phone call. XXXX would not provide me with any information re : my debt instead she transferred me to a number that was disconnected.
Consumer complaint received 2019-01-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I sent this company my dispute letter on XX/XX/XXXX. The letter i sent them explained in detail all derogatory accounts that needed deletion/removal from my credit file and why? I attached with it all the relevant documentation as evidence/proof of what i was disputing. But to my surprise, This company continued to report all the derogatory accounts without even investigating my claims. This letter is a written proof of my intention to find a resolution with this company without filing a lawsuit. As a result, I am ready to file suit if this company still continues to report this erroneous accounts. For yet another time, the following accounts are erroneous : XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$260000.00} XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$570000.00} XXXX XXXX  ACC XXXX, Date Opened XX/XX/XXXX, XXXX Credit Limit {$3500.00} XXXX XXXX XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$1000.00} XXXX  ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$2600.00} XXXX XXXX  XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$3400.00} XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$2000.00} Attached herewith are : 1. The dispute letter I sent to this company on XX/XX/XXXX