davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
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. (LA)

Timely payments on this account have always been my priority, preventing any occurrences of overdue payments. I'm unclear as to why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections are mandated.
Consumer complaint received 2023-04-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

I applied to the MA Homeowners Fund Assistance in XX/XX/XXXXXXXX  & by XX/XX/XXXX, I was 3 months past due on mortgage payments & qualified for pending HAF application acceptance. I kept PHH Mortgage appraised by phone stating my HAF application was accepted pending validation of my arrears from PHH Mortgage. I asked that notification be noted in my mortgage file of my HAF application. On XX/XX/XXXXXXXX  HAF Program sent a request on the official XXXX secured portal to PHH Mortgage requesting validation of my arrears. I worked with a specific HAF Rep, XXXX XXXX, who sent a screenshot copy to me by email to verify the request went to PHH Mortgage on XX/XX/XXXX. I have retained the email screenshot & all subsequent update emails from HAF. To date there has been no response from PHH Mortgage to HAF Program. PHH Mortgage denies receiving any request on the secured portal, regardless of the copy I forwarded to them verifying the request was made. Unless PHH Mortgage responds to HAF, I am in jeopardy of my HAF application being closed as a result of " No response from PHH Mortgage. '' HAF provides a 90 day grace period for the mortgage servicer to respond & that grace period is up XX/XX/XXXX. Correspondence & emails back & forth from me to PHH Mortgage is not getting anywhere. They still deny any request from HAF for my arrears, even with proof of the screenshot copy I sent them! If the Banking Commission doesn't intercede compelling PHH Mortgage to comply as they are required to do under the agreement they signed with MA, I am at risk of a foreclosure. I am XXXX XXXX XXXX & struggling to keep my home. The HAF Program was a blessing to have found, but my mortgage servicer is being noncompliant at my expense. 
PLEASE HELP!
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I made a payment of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, that posted to my account on XX/XX/year>. These payments have paid my accounts off in full for less than the full amount in a settlement and XXXX XXXX XXXX XXXX XXXX XXXX XXXX was paid in full. XXXX first XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were completed in a settlement with the payments Ive made they are still refusing to correct the payment status to paid in full for less than the full amount after I disputed the information with XXXX, XXXX and Equifax. They are still reporting the incorrect balance information. The balance for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be a XXXX balance paid for less than the full amount in a settlement every credit card on my credit report should reflect XXXX balance.
Consumer complaint received 2024-04-11
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. (VA)

PLEASE DELETE HE FOLLOWING ACCOUNTS LISTED BELOW : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX  Date of inquiry : XXXX/XXXX/2022
Consumer complaint received 2024-07-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. ()

I purchased {$81.00} worth of goods from XXXX on XX/XX/XXXX, they sent me the bill and it arrived really close to the due date, I don't remember the exact date. I assumed they had a grace period especially for the first payment. they charged me a late fee on XX/XX/XXXX, not even 30 days after my purchase. When I got the bill I paid my statement balance. We moved out of state and since then they have given my 2 late payments on my credit report as well they have charged me {$100.00} in late fees and interest. More than my original purchase.

This is highway robbery.
Consumer complaint received 2023-02-24
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. (CA)

Ive contacted this company and the credit bureaus about this issue numerous times, i have documented the reception of my communication in XXXX and mid XXXX. 

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states i have the right to privacy. 
15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent Under 15 USC 1666b A creditor may not treat a payment on a credit account under an open end consumer credit plan as LATE fro any purpose unless the creditor has adopted reasonable procedures to ensure each periodic statement including the information required by section 1637b of this title is MAILED or DELIVERED to the consumer not later than 21 days before the payment is due. 

15 USC 1681a 2 states in EXCLUSIONS OF THE CREDIT REPORT ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; a " late payment '' is an experience or transaction and it should be EXCLUDED from my credit report!
Consumer complaint received 2024-01-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC (MD)

I have sent Selene all documents for a loan modification. The company initially stated that the loan package was incomplete. Upon further review by their agents XXXX and XXXX ( supervisor ) the team was able to verify that the package was complete and submitted on a timely basis. The rep XXXX had me send a letter with all of the details as to where in the package the overlooked documents were in the modification package. The supervisor XXXX stated that she would have the package reopened and the foreclosure sale postponed until the package could be reviewed. I have attempted to contact my single point of contact numerous times. My single point of contact XXXX XXXX has not returned my numerous calls or emails. I have been attempting to get this loan modification completed for some time. All documents have been submitted. Supporting documentation is attached.
Consumer complaint received 2023-04-06
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. (KY)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 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 2017-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I XXXX XXXX renewed my insurance a down payment in XXXX of XXXX of {$1200.00}, had the insurance agent from XXXX insurance to fax a proof of insurance to Nation Star. I 've called them 4 or 5 times, no resolution. I was told because in XXXX I had a little elapsed from XXXX to XXXX of XXXX, I was told that I must use escrow to the maturity of my loan. I feel that that is very unfair to me, I have supporting documents where they wrote me and made me aware that they are planning to buy me insurance, but it would be better if I went out and purchased my own insurance because it would be cheaper. Letter date XXXX XXXX, XXXX. I have the supporting letter and will sumit it to you for confirmation, it seem to me that Nation Star Mortgage is trying to make tremendous profit on me. The mortgage was originally taken out by XXXX XXXX XXXX , XXXX XXXX XXXX high interest rate I had some problems, they in return through me to this bad mortgage company ( Nation Star ) please help me to come to as smooth resolution. 
-Respectfully XXXX XXXX XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting 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. (NJ)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiry which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-11
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. (NJ)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. Please delete these inquiries immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I requested help with my mortgage in XXXX of this year and I never received a b5 letter. I also submitted an information request for the following information : Please provide a comprehensive and detailed breakdown of various charges and fees being charged to my loan account, including but not limited to : 1. Escrow advance charges 2. Foreclosure fees and costs 3. Property preservation activities and associated costs. Please define and clarify what was done.

4. Valuation details and frequency 5. Attorney fees Force-Placed Insurance : Please confirm whether any force-placed insurance was placed on my property since you began servicing my loan. If so, please provide evidence that you complied with the requirements of Section 1024.37 of Regulation X, including the provision of at least two written notices before charging me for such insurance.

Early Intervention with Delinquent Borrowers : Please provide proof of your compliance with the early intervention requirements under Section 1024.39 of Regulation X. This should include evidence of your efforts to establish live contact with me by the 36th day of my delinquency and the written notice provided to me by the 45th day of my delinquency. Records of Communications : Please provide all records of communications between your company and myself since you began servicing my loan. This should include, but is not limited to, written correspondence, email exchanges, and notes or records related to phone conversations or other forms of communication. 6. Servicing File : In accordance with Section 1024.38 ( c ) ( 2 ) of Regulation X, please provide a copy of my servicing file, which should include the following : A schedule of all transactions credited or debited to my mortgage loan account, including any escrow account as defined in 1024.17 ( b ) and any suspense account ; A copy of the security instrument that establishes the lien securing the mortgage loan ; Any notes created by servicer personnel reflecting communications with me about my mortgage loan account ; To the extent applicable, a report of the data fields relating to my mortgage loan account created by your electronic systems in connection with servicing practices. 

My loan is a VA loan so I don't know why there is still a sale date scheduled. I also submitted a complete loss mitigation application.
Consumer complaint received 2023-06-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IL)

On or around XX/XX/XXXX - XX/XX/2023 i recently opened up a Chime checking account in order to receive my Tax refund 5 days earlier like Chime advertised but to my avail it didnt go as planned. I received my card in the mail within 7-10 business days, thats when the problem occurred. I tried to log into my Chime account and activate my card but unfortunately it wouldnt let me activate it it kept making me sign up for chime all over again and i thought that was strange. So i called Chime and they told me some of my information didnt match but i knew that it did and didnt understand why Chime would close my account. So for 2-3 Months now ive been sending Support @ Chime & Review @ Chime constant emails about my account and un suspend my account. My taxes did go to the account unfortunately and now its over {$20000.00} frozen and Chime wont help me. Ive sent Documentation over and over at least 30 times because ive been trying for 2+ Months to get my account unlocked. ive sent over Drivers License, Proof of address, A selfie holding my drivers license with a piece of paper with my information on it, ive sent Tax refund acceptance letters, utility bills! Nothing ive done works! No one in real life replies to me when i email Chime support or Chime review i get the same automated email messages and its very stressful. Please help me as i told Chime at the time i was facing eviction and now is currently homeless with a wife and XXXX XXXX XXXX daughter living shelter to shelter or family couch to couch because chime frozen my account and wont release my funds. please help me and my family i have no other options.
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I paid for an American Express Pre-paid Gift cards on or about XX/XX/2021, in the value of {$75.00}. The had charges on it before I even received the card in the mail. I attempted to communicate with American Express to advise that they needed to send a replacement card. Amex said that they disclaimed all liability! In fact, I could not even speak with anyone about the card. I emailed the CEO of AMEX and a representative wrote me an email and said there was nothing MEX would do for selling me a pre-paid gift card of {$75.00} with a balance of XXXX on it when I received it. For more than one year, I have been attempting to communicate with the Executive Office of American Express about this issue. I have been told that AMEX will not assist me.
Consumer complaint received 2024-04-11
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. (NJ)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (VA)

On XXXX XXXX I exited my forbearance plan because the Freedom rep who called me told me I can get a modification to lower my monthly payment because I was affected by Covid and I have an ongoing hardship, so the rep put through the Loan Modification paperwork for me and I received the underwriting decision letter stating I was approved for the loan modification but my monthly payment was going to go from XXXX to XXXX now if I am asking for a loan modification it's because I can't afford the monthly payment so why would they make the mortgage payment higher, all over FHA and HUD it states despite the higher interest rates of today they want mortgagees to reduce the P & I by 25 % to get to a targeted lower payment, that was not done for me I feel as if they are not going off of the pandemic cares act options. However I did come across an issue where Freedom Mortgage did not want to even help it's borrowers even though there was the options that FHA put out until complaints were made to the CFPB. This is a national pandemic that affected people nationwide I can't believe they can not find a program that will lower the monthly payment to struggling homeowners, And on top of that every time I call their Customer Service dept I NEVER get the same answer twice they are rude and they tell me that is all they can do for me is the higher payment option every time I speak to customer service I get very upset and stressed and it shouldn't be like this homeowners need help and the government put out those options for help I know there is other options and I am sure they can reduce this payment but they are not going through the options correctly, they have lawsuits against them and this concerns me very much since I am a customer of theirs. I work real hard for my home and it's not my fault that the pandemic came through here ruining everything I should not be punished for that. I sent an email to XXXX XXXX the CEO but he never responded there has got to be a way to lower this mortgage payment I am asking the CFPB for help and I hope this doesn't cause repercussions on me from Freedom Mortgage because I made a complaint with the CFPB.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (WA)

On XX/XX/XXXX after I had made a purchase for goods and the merchant would not accept my us issued passport as identification and informed me that they would not be refunding my money that I would go through the bank dispute process. I reached out to Credit Karma and informed them and started the dispute process. That was 16 days ago. They haven't even reached out to ask if I had any supporting documentation which I do I have all the email correspondence. Once it reached the 10-day mark I started reaching out every day and I was told that they can see that I should have gotten a provisional credit but it didn't post to the account so they were going to escalate it well 6 days later and I still have not even been contacted for evidence or proof let alone the provisional credit I've tried everything I can and they just won't follow the law
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Timely payments on this account have always been my priority, preventing any occurrences of overdue payments. I'm unclear as to why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections are mandated.
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (MD)

XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX THIS COMPLAINT IS DIRECTED TO THE CONSUMER FINANCIAL PROTECTION BUREAU and SHOULD ONLY BE RESPONDED TO DIRECTLY FROM an AUTHORIZED AGENT OF THE CFPB, and NOT the RESPONDENT, BARCLAYS ' Bank. 

Dear Consumer Financial Protection Bureau, On XX/XX/2023, I submitted a complaint through the Consumer Financial Protection Bureau ( " CFPB '' ) portal complaining that Barclays continues to mark my complaints as a duplicate and closes it out without ever responding to it or providing the information requested. On XX/XX/2023, Barclays responded to that complaint and marked it too as a duplicate and in doing so, it admitted that the denial of my application for the Mastercard Black Card was the product of a prohibited act under the Federal Equal Credit Opportunity Act that prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status and/or age. '' Sincerely, XXXX XXXX
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (FL)

On XX/XX/2022 chime which is XXXX XXXX  suddenly closed my account without any prior notice soon after I deposited XXXX at a loves truck stop which I would use often to load my account. After funds were loaded I made an online purchase of XXXX and a few minutes later I received emails containing information that my account had been closed with not a single reason why. I went back and forth for days with both chime and XXXX and neither could give me any kind of reason as to why my account had been closed. Here I am XX/XX/2022 and still haven't received the balance that remained in the account, please help I feel I have been robbed to say the least.I have all the emails and documentation to prove my case thank you.