davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (UT)

I am dealing with a company called Loan Care LLC. Based out of Virginia. 

I decide to take advantage of the low-interest rates. Decided to re-finance, I requested the PMI be dropped during the re-fi process. Due to my home being way over the 20 % value required to not carry PMI. I was denied. ( XX/XX/XXXX via email ) Response from loan care loan processer XXXX XXXX ( XX/XX/XXXX ) : The only way to not have PMI is to refinance out of the FHA and into a conventional loan. As long as you are doing a new FHA loan, you will PMI again. Concerning the appraisal, I can approach management on that, but no guaranty that it will be reimbursed as we had no knowledge your home was manufactured home when it was ordered and because as I mentioned in prior emails, they dropped the rate on the new loan for you to match the prior file. The Rates on the FHA Streamline would have been over 4.0 % and Im sure they will do much more, but I will try I owed about XXXX k then my house appraised for XXXX k.. 

After Refinancing was finished XX/XX/XXXX. It didn't make sense that I had to pay PMI. 

So, I mailed in a request to drop PMI. My home had gone up in value current market value is {$250000.00}. Sent XX/XX/XXXX to Loan Care XXXX box XXXX Virginia XXXX, VA XXXX. Certified mail tracking number : XXXX XXXX XXXX XXXX XXXX. USPS.was received. 

I called a few days later to ask if they received my request in writing. They stated it had been uploaded into their system. This included the letter and the signed appraisal. 

They denied my request, when speaking to a rep. they said it was due to my loan being an FHA loan, they stated I had to pay PMI for the life of the loan. til XXXX payoff my loan. They also sent a letter stating they denied my request. I am now reaching out for your assistance. 

I have reached out to loan care XX/XX/XXXX and emailed them explaining why this complaint was sent as well as informing them of The Homeowners Protection Act of 1998 ( HPA ), 12 U.S.C. 4901. et seq., also known as the PMI Cancellation Act, was signed into law on XX/XX/XXXX, became effective on XX/XX/XXXX, and was amended on XX/XX/XXXX, to provide technical corrections and clarification. The HPA addresses homeowners difficulties in canceling private mortgage insurance ( PMI ) coverage. It establishes provisions for canceling and terminating PMI, sets disclosure and notification requirements, and requires the return of unearned premiums. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-03-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (OR)

XX/XX/XXXX I thought I was being contacted by Wells Fargo about a money transfer fraud. They had me sign up for money transfer told me I had to make a transfer to stop the transfer. Thats were it went wrong as soon as I figured out what I had done I left work went to my nearest branch and told them to stop everything. Well I just received a letter stating that they will not return the XXXX dollars and I am out because I authorized the transfer.
Consumer complaint received 2019-04-04
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: EQUIFAX, INC. (WA)

I signed up for extra protection on my account. If anyone attempt to pull my information due to obtaining any credit, it needs to be verified through me with my phone number. I noticed after checking my credit report that there is still fraudulent inquiries on my report. My identity was in jeopardy about 3 years ago. Once my vehicle was vandalize and my property was stolen during my attendance of Sunday service back XXXX. I reported everything to local police. My personal information and expensive military equipment was taken. Ever-since XXXX, I've been having problems with my credit reporting. 

On my equifax report there are 4 inquiries on my report that the representative refuse to open up investigation on. I call and get a disgruntle worker 90 % of the time. There is a new inquiry posted lately. Nobody called me to verify anything. Why opt into extra security when that doesn't even protect you. Please get this Credit reporting agency to do their jobs. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX just posted XXXX XXXX XXXXXXXX, and they never offered me the free protection I was suppose to receive when my identity was jeopardize back in XXXX.
Consumer complaint received 2019-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (FL)

All student loans have been paid in full for many years. They were handled by NelNet and were obtained when I applied with XXXX University Online, many years ago. Today, around XXXX XXXX  or so, I received a phone call that left a voicemail saying I need to discuss repayment options on my federal student loans. I tried calling back the caller ID number but received busy signals. I also called the number left on caller ID. However, this number uses a prompt system asking you to identify if you have dept or do not and want to be removed. If you do not choose a prompt, you are disconnected. This truly seems like a vishing attempt to identify who are targets that actually have federal student loan debt. Additional information is below and I attached a copy of the voicemail left by the fraudster. 

Caller ID displayed : XXXX The name used by the caller : XXXX XXXX Call back number left on voicemail : XXXX ADDT NOTES : This complaint is not against NelNet ( the loan services provider ), but I had to choose someone to move forward. This complaint is against whoever is attempting to defraud those who hold or have held federal student loans. Fraudsters could have easily obtained this information from the XXXX  or other data breaches.
Consumer complaint received 2019-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TN)

On XX/XX/2019, I scheduled a payment in the amount of {$1100.00} which was the payoff amount on my CITI Bank credit card. During this time, I also made payment to other accounts including my mortgage payment and other miscellaneous debts. The following day XX/XX/XXXX, I noticed a withdraw from Citi Bank twice for the same amount totaling {$2200.00}. I contacted Citi Bank that day to have them resolve the issue only to be told that it will take 3-5 business days for the money to be returned. This delay for the return has caused major ripples in my finances with return of payments and late fees all due to a possible glitch in the mobile App used to make my payment to Citi. Not to mention the credit blemishes for late payments that will develop. The first Rep. that i spoke with insinuated that i made the mistake of making the payment twice, but after speaking with someone else, I was told that the two transactions happened within seconds of each other a proceeded to take ownership of the mistake.
Consumer complaint received 2019-04-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (FL)

XX/XX/19 I tried to make a XXXX dollar purchase but to my surprise, my minor childs government issued XXXX XXXX COMERICA BANK debit card benefits account declined. I immediately went online as I usually would to check the balance and discovered the balance was about 5.62. I immediately called the card service to let them know that someone had taken thousands of dollars from the account without my knowledge or consent. XXXX to be exact in UNAUTHORIZED transactions at several different locations in XXXX and XXXX, Florida. My card was in my possession the whole time, Never lost or stolen and NOONE other than myself has access to the account or pin number. After about 15 days of investigation XXXX XXXX closed the case and claims there was conflicting information in what I gave them and what they investigated. They said I had called from my phone number and address to check the balance before the fraudulent activity began, however, I MADE NO SUCH CALLS. I get access to that information ONLINE. They said someone with my same last name tried calling in aswell, however, I don't know anyone or have anyone in my family with that persons name. Because of these events I have discovered that someone has stolen my identity and is perpetrating to be a member of my family. I've sent in my phone bill to show that I made No Calls to check the balance on XX/XX/2019 like their records suggest. XXXX XXXX level 2 fraud employees are very short and vague in helping and have told me the case is in fair hearing and that it could take hours or YEARS for this to be resolved. In fact, " no time frame '' is what they are saying consistently. They will not return escalation call request or allow me to speak with the investigators. XXXX XXXX   never issued a provisional credit even though I complied with their requests. I've filed police reports in both locations where the fraud accured and filed an identity theft report with The FTC. Please help me get these funds back as they are benefits for my XXXX year old child that has special needs. No one other than myself should have ANY access to these funds. HELP
Consumer complaint received 2022-03-13
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: Lendbuzz Inc. (TN)

Since i opened the account with lendebuzz they haven't actively report the account to the credit bureaus, i had made another complain before witch they only reported the months before but they never reported again since 6 months ago, on my experian doesnt even show up Which is a clearly violations of Fair credit act, i had paid my loan already and they haven't reported yet
Consumer complaint received 2022-03-13
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: BARCLAYS BANK DELAWARE (HI)

The following informations apply : Purchases made total {$2300.00} Fees charged {$270.00} Interest charged {$220.00} Credit given {$110.00} Payments made {$710.00} ( breakdown {$170.00} and {$360.00} taken from XXXX, XXXX XXXX XXXX XXXX account {$120.00} and {$62.00} taken from Hawaii XXXX XXXX Payment made to Barclays were unauthorized because I did not authorize the payments. Inquiry from XXXX, someone from Barclays could have solicited the account and routing number for payment. The reason for not paying was no statement received. Barclays claimed I signed for paperless and statement sent via email but not a single email was received. Barclays sent me 4 sets of statements in 4 envelopes of different dates on XX/XX/2022 after making complain. There were 3 accounts involved ending in XXXX and XXXX which I am not fully aware of and Barclays claimed due to cards lost and fraudulent transactions. I have talked to several Barclays personnel to name like on XXXX XX/XX/2022, XXXX XXXX, XXXX XXXX, XXXX, XXXX ( security dept ) XXXX and XXXX XXXX. On XXXX XXXX I talked to XXXX XXXX with ID no. XXXX and a manager by the name of XXXX in XXXX XXXX, I believed XXXX XXXX, Nevada for this problem to be solved. Please be informed that all of the times were all military time cause it is easier to tell if am or pm and I am a retired military. I proposed to the manager I am willing to pay in full everything I owe to resolve but I was disappointed. The phone no. I called was XXXX XXXX XXXX.
Consumer complaint received 2019-04-04
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. (GA)

I received my credit report on XX/XX/2019 and immediately saw multiple items that were not mine being reported on my credit report. On XX/XX/2019 I sent in a letter to the credit bureau stating that I am asking for the original signed, consumer contract with my signature on it ; otherwise anyone paying for your reporting services could mail, fax or email in a fraudulent account. 
On XX/XX/2019 Experian stated in audio during a phone conversation and in written form that the debt was validated based on Name, Date of Birth, social security number, and account number. If I am telling you that I am a victim of identity theft, anyone can open an account in my name, using my information. Experian did not send me any proof ( original signed, consumer contract with my signature on it ) for any of the negatively reported items on my report.
Consumer complaint received 2019-03-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

I am filing this complaint prose where I am not represented by legal counsel in filing this complaint with the Consumer Financial Protection Bureau with anticipation of getting this resolved with your agency. I presently have finalized mediation with JP Morgan Chase in regards to the lease failed requirements with no consideration or compensation. I am presently in a foreclosure suit with JP Morgan Chase Bank NA as the plaintiff, as a defendant I also have a pending counter suit in the same court. In the Circuit Court of XXXX XXXX, Illinois XXXX XXXX, Chancery Division Mortgage Foreclosure/Mechanics Lien Section. Case No. XXXX CH XXXX. 

Product Issue : Breach of terms of the lease with a branch bank of JP Morgan Chase, Chase also subsequently acquired an existing mortgage from another mortgagee to make Chase the lessee and the mortgagee of said property which is now currently in foreclosure due to fraudulent banking procedures of Chase Bank.
Consumer complaint received 2022-03-22
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: EQUIFAX, INC. (GA)

Over the course of 30 days. I have filed a dispute in regards to inaccurate and false information on my credit report. My first dispute was XX/XX/2022. Equifax, is still reporting these incorrect items. According to the fair credit ACT, section 609 ( a ) ( 1 ) ( A ) they are required by Federal Law to only report Accurate information and the have not done so. They have not provided me with any proof i.e. and original consumer contract with my signature on it proving that this is my account. Further more ive provided an FTC report showing this account is opened without my consent, proof that Equifax added this account after it was removed, and a credit report that shows only Equifax Credit Bureau reporting this fraudulent account. Lastly they are violating my rights by requiring me to mail my id and social security card in order for them to process my dispute request.
Consumer complaint received 2019-03-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (PA)

We have been trying requested needed documents to do an Assumption of mortgage on our loan to transfer it to my mother. I have called shell point mortgage back in XX/XX/2018, then I have called them every moth since, sent multiple emails and I still dont have an assumption package. Shell point is now XXXX, the problem is still the same. no one can help me when i call, I requested multiple times to speak with supervisors and managers and they are always busy. Please help me get my mortgage transferred to my mom as an assumption. 
I dont know how else to obtain the needed paperwork,
Consumer complaint received 2019-04-04
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. (FL)

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

I have attempted to freeze my credit report with experian multiple times using their website form and calling their various phone numbers. 

Each time I fill out their webform to freeze my credit ( https : //www.experian.com/ncaconline/freeze ) the result is a page that says they can not process my request and I should compile some personal documents and mail it to them. 

This is absolutely ridiculous as there is no risk to my financial health for freezing my credit file. No scammer has any incentive to freeze my credit file, just the opposite. So there is no justification for them to require me to provide further proof of identity to freeze my credit file.

Furthermore, in the text of S.2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act, credit reporting agencies are required to freeze credit reports within one day, that is impossible if they are making me mail documents to their processing center. 

I also attempted to resolve this problem on the phone with Experian, calling XXXX XXXX EXPERIAN ( XXXX XXXX XXXX XXXX ). There is no option to speak with a human on this automated system and the options do not address my problem. In fact, this system also instructs me to mail documents to their " Freeze Processing Center. '' I believe that Experian is not complying with S.2155 and creating artificial barriers to freezing credit reports. 

Attached below is the splash page from their website that tells me they can not process my credit freeze request online and must mail documents to them.
Consumer complaint received 2019-04-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion stated falsely that " We have reviewed your complaint along with the information you provided regarding this issue. Currently, the XXXX XXXX XXXX XXXX Account No. XXXX i, XXXX XXXX XXXX made a payment " Tender Of Payment with coupon on multiple occasions to XXXX XXXX. They credit my XXXX XXXX Account in full for the amount tendered on XX/XX/2019 but then on XX/XX/2019 i received an email stated that they had reversed the payment due to fraudulent activity or a suspicious payment tender money order coupon which is one in the same. 
Therefore the amount tendered should be discharged at this point and time showing on my account paid in full zero balance. I was told that the account reflects a current balance of {$0.00} XXXX. TransUnion falsely stated In a different response to this complaint, we TransUnion contacted XXXX XXXX XXXX XXXX at XXXX, and verified the balance was still owed per the automated system. You must contact a human not a automated system. The system they have does not communicate with humans accurately and phone calls are illegally made to the human when no debt is owed. XXXX XXXX called and left a message on my phone telling me they received the tendered payment and it was forward to the back office where these types of payments are finalized. I did not call them back nor have i herd anything concerning a bill or a debt owed. 

Please note that i am disputing the reporting of the above identified account on your TransUnion credit report, and i specify the exact reason i am disputing the account. The account was never late or the balance is incorrect. The amount TransUnion claims to be owed is false by automated machine? How did you contact the company? An automated machine can not not tell you facts about the account. I tendered a payment for the full amount on XX/XX/2019. 

XXXX XXXX called me on Monday XX/XX/2019, concerning a different account at XXXX, i spoke to agent XXXX she explained to me that the call was a mistake and that they had received the payment in full for the amount in the full amount, and that they would cease the automated calls. Please accept our apologies and allow it to post within the next 48 hours. She also placed me on hold for 8 eight minutes and got a supervisor and manager to confirm the payment was received and they confirmed it was received. 

Now if a automated machine calls and gives incorrect information to the party on the other end, how then is TransUnion claiming this is how they verified what was owed or the balance? In fact a tender of payment was received by XXXX XXXX on XX/XX/2019 for three times the amount owed. 

TransUnion ignored the Tender of Payment attached herein and went on the basis of a automated machine, when i got word and confirmation form a woman human person named XXXX whom stated the call was an accident and my payments was received. All calls are recored by both parities and i am willing to provide a copy of such call [ s ].
Consumer complaint received 2019-04-04
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. (GA)

I received my credit report on XX/XX/2019 and immediately saw multiple items that were not mine being reported on my credit report. On XX/XX/2019 I sent in a letter to the credit bureau stating that I am asking for the original signed, consumer contract with my signature on it ; otherwise anyone paying for your reporting services could mail, fax or email in a fraudulent account. 
On XX/XX/2019 Equifax stated in audio during a phone conversation and in written form that the debt was validated based on Name, Date of Birth, social security number, and account number. If I am telling you that I am a victim of identity theft, anyone can open an account in my name, using my information. Equifax did not send me any proof ( original signed, consumer contract with my signature on it ). Also, they sent me the wrong information to call and write back to the creditor in which I am disputing with. The information on the credit report says that if I have any additional questions about this item, please contact ( wrong company name ), ( wrong address ).