davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (NC)

I have a mortgage loan through Flagstar Bank. I submitted a request to cancel the pmi insurance on my loan. the county did a property evaluation in XXXX and based on the new value, I am well below the 80 % threshold. I was denied even though I submitted a copy of the counties new property evaluation. I called to find out why i was denied and was told that XXXX XXXX is the investor in my loan and they determine who does the evaluation on my property and they are the only one that can remove the pmi. i asked for a contact at fannie mae but was told they did not have any info that they could give me. I hung u and called fannie mae and spoke with someone there about the same thing. he told that i would have to contact flagstar to schedule the assessment and it would cost {$190.00} ( same as what flagstaXXXX said ) to do the evaluation. It must be through one of their approved vendors but they did not have a list of who the approved vendors were. They said flagstar would do the scheduling and not them. XXXX XXXX would only look at the results and determine if the pmi could be dropped. From my point of view, it sounds like this is not fair and just a way to charge me {$190.00}. No one could tell me why the county assessment was not good enough. No one could tell me who an approved vendor was. My only option is to pay {$190.00} and hope that whoever this company is comes to the same conclusion and the county. If i am required to use approved vendors then i should be allowed to know who those vendors are? Why can i not call those vendors myself and ask for a price on the evaluation and then go with whoever is the lowest? Do they all charge the same price? No one seems to care to help. Both companies are putting the blame on the other while i am the one in the middle. The county did the evaluation in XX/XX/2023. Based on that i am well below the 80 % but somehow that is not good enough. I do not feel like this is honest business. I think this is just another way to get more money out of me and make me jump through a bunch of hoops to get my pmi canceled.
Consumer complaint received 2024-06-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (FL)

I made a purchase on XXXX on XX/XX/24 and I financed the purchase through Affirm on the XXXX website. The total purchase was for {$2500.00}, I paid part of the order using my debit card and {$1500.00} was financed through Affirm with a {$280.00} financing charge for a total due of {$1700.00}. I ended up returning two beds that were purchased in the order to XXXX and my account with XXXX reflects that a refund for the first bed in the amount of {$130.00} was processed and sent to Affirm on XX/XX/24 and a refund for the second bed in the amount of {$130.00} was processed and sent to Affirm on XX/XX/24. Since that time, I have not been credited the return amount of {$260.00}. I have called, emailed and chatted online with both XXXX and Affirm roughly 10 times each regarding this return. XXXX has advised that the return shows on their end and the initial refunds were denied by Affirm. They then requested Affirm to manually process the returns, which has not been done. I was also advised by XXXX to dispute the transaction with my bank for the {$260.00} ( I did but it was denied by XXXX as I still have a pending balance with Affirm ). I have sent Affirm proof of the return on XX/XX/24. I received two emails on XX/XX/24 and XX/XX/24 back from Affirm closing my dispute saying that I was disputing the entire loan, which I was not. I have reached out multiple times since then and was told I would receive an email within 3-5 business days with nothing received. I have been assigned multiple case numbers by Affirm and multiple incident numbers by XXXX.
Consumer complaint received 2023-01-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I have paid mid land credit management and it was removed from my credit report however they say they didnt receive payment? They want me to pay twice. It was removed from my credit report and they want me to still be obligated
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (PR)

Complaint : XXXX XXXX XXXX XXXX XXXX Credit denied/No reason informed Appeal filed/No answer - XXXX Personal Credit Score : Mid 700 Personal Credit Score affected by denial No reason for denial of credit Reason may be discrimination by reason of age
Consumer complaint received 2024-08-01
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. (PA)

This afternoon, I saw unauthorized inquiries on my credit report and have no idea why. I just checked my credit report as I usually do, but there were sudden discrepancies. I tried refreshing my browser in case it was a glitch, but the unauthorized inquiries stayed. Because of this problem, I am asking that the documents I've sent be thoroughly checked to alleviate my worries.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Equifax is reporting the following fraudulent hard inquiries on my Equifax credit report XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all occurred on XX/XX/year>. I did not allow these institutions to pull my credit nor did I provide them with my information. These inquiries are fraudulent and unauthorized. I am a victim of identity theft. I have included my ID, SSN card and my FTC Identity theft report.
Consumer complaint received 2024-06-04
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. (GA)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2022-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with Fair credit Reporting act. The Account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name XXXX XXXXXXXX XXXX  XXXX Account numberXXXX  XXXX has violated my rights 15 U.S.C 1681 Section 602 A States I have right to privacy 15 U.S. C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer 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 know or has reasonable cause to believe that the information is in accurate.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (TX)

My account with FRD MOTOR CR was never late! I have had exceptional payment history with FRD MOTOR CR and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in XX/XX/XXXX and XX/XX/XXXX ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

FRD MOTOR CR Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Credit Karma (MD)

My identity was stolen and a card was opened through CreditKarma Money. I have been trying to contact a live human there but have been unsuccessful. I have only been able to chat through text on their site or by email. The account is still open and they have done nothing to help.
Consumer complaint received 2024-06-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CarMax, Inc. (MS)

CARMAX AUTO FINANCE {$13000.00} XX/XX/year> THIS VEHICLE WAS PAID OFF IN FULL FROM XXXX XXXX XXXX AND IT'S STILL SHOWING ON MY CREDIT REPORT... IT'S PAST 7 YEARS AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT
Consumer complaint received 2024-06-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (FL)

Remitly has promised along with XXXX that my transfer would be transferred in less then 48hrs and well here Iam a week later nothing has been resolved. I depend on the service this company say they provide this company has failed me they assured me before I transfer the money
Consumer complaint received 2016-06-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

My conventional mortgage was serviced by XXXX NJ. In 2015 the mortgage was purchased by Nationstar Mortgage, XXXX XXXX. XXXX, XXXX, TX XXXX. 
Nationstar requested proof that I had homeowners insurance but sent the request to the wrong address. When I sold the home in XXXX, 2015, Nationstar was given proof of homeowners insurance but withheld {$2600.00} as supposed premiums they had to pay. Since XXXX, 2015 I have attempted numerous times to get Nationstar to refund the money but they have obfuscated and confused the issue by requesting additional information which I have provided. 

The Loan Number was XXXX Their Research Reference number is XXXX Nationstar continues to send computer-generated letters stating : ... '' at Nationstar, we take your concerns seriously. '' But in reality they do not. These letters all contain the statement " We [ Nationstar ] will respond by [ fill in the date ]. Of course, they never do. 
This has dragged on long enough. Nationstar owes me {$2600.00} in a payoff overage. 
Please help me to receive my money.
Consumer complaint received 2024-06-03
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. (TX)

I wish to dispute the following information found on my TransUnion credit report. I was a victim of ID Theft. There are inquiries on my TransUnion credit report that are fraudulent and do not belong to me. I've already filed an FTC report.The inquiries are : XXXX XXXXXXXX XXXX  and XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX Finance, personal XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - Finance, personal - XX/XX/XXXX XXXX XXXX- XXXX  and XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX- XXXX  and XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX
Consumer complaint received 2017-10-18
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NY)

On XXXX/XXXX/XXXX, I consummated a Home Equity Conversion Mortgage ( HECM ) Loan with XXXX XXXX XXXX in the amount of {$350000.00} with an interest rate XXXX XXXX 

The loan is based on an appraisal performed by XXXX XXXX on XXXX/XXXX/XXXX. XXXX XXXX was hired by XXXXXXXX XXXX XXXX and appraised the value of the property at {$230000.00} Foreclosure Action Against Me On XXXX/XXXX/XXXX, a Lis Pendens and a Foreclosure Complaint were filed by XXXX HECM Acquisition Trust XXXX ( who bought the mortgage from XXXX XXXX ). 

The complaint contains 3 different allonges to the note and mortgage assignments that show ownership was transferred multiple times. 

The first Allonge and mortgage assignment appears to have transferred ownership of the note from XXXX XXXX XXXX to  XXXX XXXX XXXX in XXXX. 

The second Allonge and mortgage assignment indicate the note was assigned from XXXX to XXXX XXXX in XXXX. I was not informed of this transfer. 

The third Allonge indicates the note was endorsed in blank by XXXX  XXXX. the third mortgage assignment indicates the mortgage was assigned to the XXXX XXXX XXXX in XXXX. I was not notified about that transfer either. 

Transaction History I requested a copy of the transaction history from XXXX  XXXX. However, it was incomplete. The transaction history begins at XXXX/XXXX/XXXX and ends at XXXX/XXXX/XXXX. This would make validating the amount of the debt almost impossible. There is also no indication of me not paying my taxes or that XXXX paid them. 

After XXXX began foreclosure proceedings, I began researching my loan because things that XXXX was alleging in the foreclosure complaint did not seem right. 

First, the legal description indicates the lien was not properly conveyed to the property. The legal description on the mortgage does not match my deed. 

At some point during the origination of the loan in XXXX of XXXX, XXXX XXXX XXXXl committed mortgage fraud by giving FHA fraudulent information about this loan to get it approved. 

XXXX XXXX XXXX gave me a reverse mortgage in the amount of {$350000.00} on a property valued at {$230000.00} according to the appraisal supplied by XXXX XXXX. 

Being XXXX  years old at the time of consummation, I was only eligible for a maximum LTV of 55 % of the value of {$230000.00}. My reverse mortgage should have only been in the amount of {$120000.00}, not {$350000.00}.
Consumer complaint received 2024-08-04
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX Rental on behalf of XXXX AT XXXX XXXX. 
This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX Rental on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XXXX XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX Rental on behalf of XXXX  XXXX XXXX. 
This inquiry is scheduled to continue on record until XXXX XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX IN, XXXX Unspecified. This inquiry is scheduled to XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX GA, XXXX R
Consumer complaint received 2024-08-04
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. (CA)

In accordance with the Fair Credit Reporting act, the list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 as described : 15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( a ) : 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 The accounts below have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (PR)

Good afternoon, I had a credit card account with XXXX XXXX XXXX XXXX credit card and have been a loyal customer since 2022. My balance is due on the XXXX of every month and I wanted to make an *early* payment on XX/XX/XXXX of {$2600.00}. This amount was not due, I was making an early payment. 
I am a graduate student and was in the process of transferring funds into my checking account that did not have the full {$2600.00} in, so my payment was returned to Capital One. I retried this payment, again, still early, on XX/XX/XXXX which did in fact go through. Since there was an " insufficient funds '' returned payment to capital one, they closed my account without warning. Along with the account closure they took over XXXX miles in bonuses that I had on my account, worth over {$1000.00}. Along with that, I have already paid the {$390.00} credit card fee for the year, which is also not being prorated. 
When I called and asked why my account was shut down I was met with answers regarding my account from a year ago, but not for this instance where I tried to pay my credit card bill early. I had also asked why I was not given any notice or warning of account closure if this were to happen, and they were unable to provide me with reasoning. Rationally, it would seem to be in a company 's best interest to provide you with some sort of email of possible termination -- so this seems like ill intent. 
As a grad-student pursuing my XXXX outside of the continental XXXX I rely on those credit card mile points to see my family during breaks. Now without notice I do not have access anymore to over {$1000.00} for flights, as well as already having paid almost {$400.00} in a credit card fee. 
Thank you for taking the time to read this complaint.
Consumer complaint received 2024-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-08
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. (PA)

I no longer have an outstanding balance with credit acceptance and the company is still reporting that theirs a balance with them i would like for this to be investigated properly after the company investigation I would like for that item to be removed immediately Sincerely XXXX XXXX thanks
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Back in early 2017, XXXX stated that I was three [ 3 ] months behind. This is incorrect as my account was in deferment. I made several inquires and can never get through. I am in the process of possible employment, which they look at a persons credit for gainful employment. I need this negative remark removed as it is incorrect.