davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: FIRSTBANK PUERTO RICO (NC)

I paid was paying PMI i was talk into taking saying it would lower the cost of my loan. Which was not true. I could put 20 % down. I paid down the principal down in XXXX and XXXX to 22 % by law PIm must be remove base on original appraised value. They are trying to make me pay fees. XXXXm only required to pay for a new appraised if i paid the amount to 20 %. the loan is now at 22 % equity. And they still have PMI include on my new payment..

This posted on the bank page in my account below What is Private Mortgage Insurance ( PMI )? 
Private mortgage insurance ( PMI ) is paid by borrowers when they take out a mortgage and pay a down payment of less than 20 %. The purpose of PMI is to insure the mortgage for the lender in the event the borrower defaults. Private mortgage insurance is typically paid as a portion of your monthly mortgage payment, in addition to your principal, interest, property tax, and homeowners insurance. To remove private mortgage insurance, you must have at least 20 % equity in the home. When you have paid down the mortgage balance to 80 % of the home 's original appraised value, you may ask the lender to cancel private mortgage insurance. When the balance drops to 78 %, the lender must cancel private mortgage insurance.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IN)

We have an apartment attached to our home. My mother has been staying there for a year. We have had many caregivers in and out Our Citi card was taken from our vehicle in the garage and used, by whom, we do not know. We have been on several trips in the recent months requiring caregivers around the clock We have charges on our card and items were delivered to our address. We have contacted many of the companies but they tell us the credit card company will reverse the charge The credit card will not recognize that we did not make or authorize the charges. The charges are on cards ending in XXXX and XXXX We had our card paid in full before we left in XX/XX/2024 so all charges made on those cards are fraud We contacted the police department but they referred us back to the card company Please help us
Consumer complaint received 2023-12-13
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. (PR)

n accordance with the Fair Credit Reporting act XXXX Account : XXXX Public Record Bankruptcy, has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (PR)

On XX/XX/XXXX, the balance of XXXX transactions on my Apple Card, managed by Goldman Sachs, was to be fully paid and settled. XXXX XXXXXXXX, the bank in charge of my checking account, failed to send a payment claiming insufficient funds. However, there were sufficient funds to cover the transaction. I immediatly tried to send an additional payment through the apple card app, but it would not allow it, until the transaction was fully rejected. Thus, I was charged interest on the XXXX and XXXX transactions, as per the terms and conditions. I complaint to both XXXX XXXXXXXX and Goldman Sachs as this was outside of my control, and I immediatly had posted pay as soon as the Apple Card app allowed it on XX/XX/XXXX. Goldman Sachs credited only {$25.00} of the {$120.00} charged. As per terms and conditions, I reinstated authorization of automatic full monthly balance payments. The terms state that by the next due date ( XX/XX/XXXX ) as long as the XXXX balance, along with the declined payment of XXXX ( due XX/XX/XXXX ) and the interest charges were paid, the grace period would be reinstated. This time, the Apple Card app, failed to cover the monthly balance including the interest charge as authorized by me, the user. Interest was charged again for the amount of {$80.00}. By XX/XX/XXXX, I paid fully the XXXX balance, plus the interests, which were still in dispute. I had opened several cases and had several calls and text conversations with Goldman Sachs customer service department. Including high level supervisors, which claim they are clueless as to why I am being charged, but that they refuse to credit the account. On XX/XX/XXXX, interest was charged again on the amount of {$38.00}. As per terms and conditions, once all monthly balances and interest are paid in full by due date, grace period is reinstated for the running month. As a user, I fulfilled all responsibilties of authorizing the application for full monthly balances on due date, which include all corresponding interest charges for each period. Both XXXX XXXXXXXX  and Goldman Sachs have been negligent in their responsibilities to fulfill and settle transactions on my behalf, as formally authorized via their respective digital platforms. I was held unfairly, and perhaps fradulently ( at least for the last charge ), accountible for these errors and charged interest for which I expect full credit on my account. In conclusion, Goldman Sachs is violating their own terms and conditions, for interest charges posted on XX/XX/XXXX and XX/XX/XXXX, as I have abide by the rules of payment authorization and settlement of full monthly balances by their respective due dates. Yet grace periods are not being honored.
Consumer complaint received 2024-05-01
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)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the unlawful reporting and handling of my accounts by the following creditors : XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX. I believe their actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Sections 602A and 604A ( 2 ). Under 15 U.S.C. 1681 Section 602A, creditors are required to provide accurate and complete information to consumer reporting agencies ( CRAs ) such as XXXX, XXXX, and TransUnion. However, the aforementioned creditors have failed to accurately report my account information, leading to discrepancies and inaccuracies on my credit report. Furthermore, under 15 U.S.C. 1681 Section 604A ( 2 ), consumers have the right to dispute any inaccurate information on their credit reports. Despite my repeated attempts to dispute the inaccuracies associated with the accounts mentioned above, the creditors have neglected to conduct a reasonable investigation into the disputed information and have failed to correct the errors. As a result of the creditors ' negligent reporting practices and failure to address my disputes, my creditworthiness has been unfairly impacted. These inaccuracies have hindered my ability to obtain credit on favorable terms, secure housing, and pursue other financial opportunities. I respectfully request that the CFPB investigate this matter thoroughly and take appropriate action against the creditors for their violations of the FCRA. Additionally, I urge the CFPB to ensure that the inaccurate information on my credit report is promptly corrected to reflect the true and accurate state of my financial history. Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (GA)

This complaint is against Experian ID XXXX XXXX and XXXX XXXX. IN BEING VERY CAREFUL NOT TO DUPLICATE A COMPLAINT, this complaint will focus on one aspect of my dealings with this XXXX XXXX, which is failure to honor our contract. The Experian name relevant to XXXX XXXX, repair and monitoring is usually a well Respected name and service. However, Experian ID XXXX XXXX in combination with XXXX XXXX XXXX, has placed a tremendous blemish on the Experian name. Don't take my word for it, simply read the volume of complaints listed on the XXXX XXXX XXXX, and the Consumer Finance Protection Bureau. The famous words this service loves to say is " there is nothing further we can do ''. This service leaves the customer in the same mess or worse, than when the customer such as myself, initially began their contract. They continually refuse to honor their contract, and this is the basis for this complaint. This service simply ignores the customers needs and requests. And they expect the customer to do all the work that they were hired to do!!!
Consumer complaint received 2024-04-29
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. (MO)

Accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 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 a 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Reliant Financial Corporation (CA)

I took out a car loan in XX/XX/2023. I couldn't afford car insurance because I got laid off. Since the vehicle was uninsured they increased my loan amount by more than XXXX XXXX. I currently have insurance on the vehicle and the loan company hasn't reduced the loan amount. Can they increase my loan like that. The company is gold acceptance. This has affected my credit score
Consumer complaint received 2023-08-31
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list o

f inquiries 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 a 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Knight Adjustment Bureau (UT)

My credit report says this was an account from XX/XX/XXXX from XXXX XXXX however this was recently submitted as a collection in late XX/XX/XXXX. I never received a notice or any communication of this being a debt owed from XXXX XXXX or from Knight Adjustment Bureau. When I contacted them they had all of my information wrong which was concerning and confirms to me that I don't own this account.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear CFPB, I am writing to dispute an unauthorized trade line that has appeared on my credit reports from XXXX, XXXX, and TransUnion for an account with XXXX XXXX XXXX. I am a victim of identity theft, and this account listing is a result of fraudulent activity to which I am in no way a party. 

I have never opened or authorized any account or loan with XXXX XXXX XXXX. I have not signed any contracts or provided any personal information to this company whatsoever. This inaccurate account on my credit reports is clear evidence that my identity has been stolen and misused criminally. 

Under the Fair Credit Reporting Act ( FCRA ), specifically : - 15 U.S.C. 1681c-2 requires blocking reporting of any information resulting from alleged identity theft - 15 U.S.C. 1681e ( b ) mandates credit bureaus maintain reasonable procedures to ensure maximum accuracy of credit report information - 15 U.S.C. 1681i requires credit bureaus to conduct reasonable investigations of disputed information As an identity theft victim, I have a legal right to have any inaccurate, fraudulent information absolutely removed from my credit reports so that I can begin recovering my credit standing and good name. 

I demand that the CFPB immediately investigate this unauthorized XXXX XXXX XXXX account, determine that it is illegitimate and bogus due to identity theft, and take all actions required to permanently block and suppress it from my credit reports across all bureaus within the statutorily mandated timeframes. 

Please provide me the results of your investigation along with supporting documentation within 5 business days as stipulated for identity theft disputes under the FCRA. Any failure to comply will be viewed as a willful violation of federal law, and I will have no alternative but to pursue legal remedies and statutory damages. 

Attached please find copies showing the identity theft affidavit. Thank you for your prompt assistance in resolving this serious matter.
Consumer complaint received 2023-12-23
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 would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following inaccurate address. 
XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX XXXX. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a XXXX XXXX. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Chase {$4500.00}XXXX XXXX  {$2000.00} and XXXX XXXX {$4000.00}
Consumer complaint received 2023-12-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GOLDMAN SACHS BANK USA (MP)

Marcus by Goldman sold their loan portfolio to XXXX XXXX XXXX in 2023. This included my personal loan which never had any repayment issues and was actually ahead of repayment schedule. Original Amount XXXX, current balance < XXXX. 

I was never contacted by MARCUS to advise they'd be selling my Social Security Number, Date of Birth, Mailing Address, Employment History and personal banking information to a Third Party with a background in Debt Collection ; I want no association with such a lender as I maintain XXXX - XXXX XXXX Scores across multiple agencies and would see business with XXXX  as negative information on my reports due to association with a known debt relief/credit repair/credit collection firm. 

All I want to do is payoff MARCUS and not have any financial connection to XXXX XXXX XXXX, as I do not appreciate their business model and I never requested their service ( s ). MARCUS never notified me, their customer, and did not protect my PII from a 3rd party with an unsecure website. Just waiting to be scammed from this.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (TX)

I requested the original reports with my signature from XXXX XXXX XXXX XXXX which is a 3rd party company for XXXX XXXX. 

I asked for all old addresses be removed. 
Onsite reported to XXXX XXXX XXXX and Need to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my second request. 

Please remove the following Inquiries of my report. 

XXXX XXXX XXXX ( 4 Inquiries showing ) XXXX XXXX XXXX Also please remove all fraud alerts and statements.
Consumer complaint received 2023-11-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc. (PR)

In XX/XX/XXXX. I paid off my mortgage with Mr Cooper. Since then, I have been waiting for the documents to remove the lien on my apartment. After many calls to Customer Service and further escalation to Corporate Resolutions Team nothing happened. After insisting, I received a plain document on XXXX with no instructions attached. It was the original note with a Paid in Full stamp, which I took to my attorney to conclude the process. For our surprise, it has a few notations, but none of them has endorsed the document to me or bearer. Also, an allonge was missing. 

I placed a corporate complaint in XX/XX/XXXX explaining the requirements, and today, XX/XX/XXXX, I received the solution to my case. 

They resent a copy of the same useless document they sent in XXXX.
Consumer complaint received 2016-02-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

We have had a loan with Nationstar Mortgage for years and have our payments on automatic payment via XXXX XXXX XXXX. Consistently for many years, NationStar misapplies our payments and charges us late fees. Each time, we call in to remedy the situation and each time, we have to call in several times to fix each issue. We have spent over 100 hours calling into them and they have yet to fix the problem. Their inability to properly apply payments is ruining my credit through no fault of my own.
Consumer complaint received 2023-02-16
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. (CA)

In my last complaint, I disputed some items that are erroneous and do not belong to me whatsoever. Please block the items that are erroneous : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XX/XX/XXXX The addresses stated above are not my current address The accounts above are inaccurate and fraudulent. Im seeking Litigation. 
The inquiry is unauthorized and fraudulent. 
Please delete them at once.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PR)

On XX/XX/XXXX, I sent a notification to the credit bureaus to review my report and found erroneous information even in my personal information. According to my knowledge, this can not be the case, since the bureaus must be accurate. On their website they indicate that to resolve any inconsistency you could send disputes to their offices, which I have been doing and have not received a single response.