davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (FL)

My Mortgage was recently bought by Midland from XXXX XXXX XXXX XXXX .When I was with XXXX  I applied and was accepted to the HAF or Homeowners Assistant fund .As I was in forbearance due to covid and losing mine and my wife jobs. The state of Florida Department  XXXX XXXX XXXX the payments directly to the holder of the mortgage what was first XXXX and then now Midland I was awarded 18 future of mortgage payments that started in XX/XX/XXXX till XX/XX/XXXX at 3 payments to XXXX and carried over to Midland on XX/XX/XXXX till stopping XX/XX/XXXX .And I was notified in late XXXX the XXXX XXXX by Mail I was behind on payment and need to submit payment of XXXX XXXX call Midland to report the mistake and get a different answer or deliberately put on eternal hold or hung up on.A few times they will look into it or its been completed my HAF  is over. And just ask for payment .I even gave what I could till resolved they said I had Unapplied funds {$290.00} in my account and I made a payment of {$500.00} on XX/XX/XXXX to pay XXXX Missing payment that they reported to me never received from HAF. XXXXXXXX XXXX went missing as well and warning me late on XX/XX/XXXX and in default .They received XXXX payment from Haf but put it on XXXX making me late for XXXX And Midland said they would open up a inquiry to what happened to my HAF  funds that the state verifide to me by phone twice that the And Midland said never received.They even told me my Haf  has ended All payments have been sent to Midland by The Florida XXXX HAF  Funds and I should still be current. Using only 5 Payments accounted for of 18 payments awarded 3 payments applied to XXXX and 2 Payments applied to Midland and 2 payments missing by Midland .Reported as sent by the state for HAF  to Midland .The state has opened a Inquiry and have not heard back but they only opened it for one payment and will do the 2nd payment once any receivement date has passed. I ask Midland to stop putting me in default remove bad credit reporting and till the inquiries to missing funds and or 2 payments have been returned and applied.
Consumer complaint received 2023-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (FL)

I was approved for the Housing Assistance Fund on XX/XX/XXXX in the amount of {$740.00} for 18 months towards my mortgage. My mortgage was sold from XXXX XXXX to Flagstar also on XXXX I took all the necessary steps to have the HAF payments redirected to Flagstar and confirmed with Florida HAF they had updated the mortgage information. Since that time, Flagstar has not applied any funds to my loan. I have contacted them on multiple occasions, phone calls on XXXX XXXX XXXX XXXX and XX/XX/XXXX as well as chat contact on XXXX. In my initial phone call, the Flagstar representative told me they had received funds but not yet applied them. In my follow up chat on XXXX  the representative told me they had received two payments in the amounts of {$740.00} and {$940.00} on XXXX  I thought the situation had been handled at that point, but none of that was ever applied to my loan. In my follow up phone call on XX/XX/XXXX, the representative told me they could not account for the {$940.00} and only saw the {$740.00}, which again was never applied to my loan. I was told a trouble ticket would be created and they would investigate where those funds went. During my phone call on XX/XX/XXXX, I was told by a representative that because I had made the current payment, all HAF funds would be returned to the state. I thought that was incorrect and was able to speak to a supervisor who told me that was not the case. She explained that the funds come in a lump sum and it takes a while to have them dispersed, but she could not confirm for me that Flagstar had received any funds from Florida at all. I was told an escalated trouble ticket would be created for their HAF team at that time. I was never given any updated status or resolution. I called again today, XX/XX/XXXX and was again told an escalated trouble ticket would be sent to the HAF team. However, this representative told me that they had applied HAF funds dating back to XXXX. That is absolutely not the case and is not reflected anywhere on my statements or their online transaction history portal. 
I have been trying to resolve this issue since XXXX. On top of being financially strained, I am stressed and extremely frustrated at the complete lack of communication and varying answers I have received. This needs to be addressed immediately.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (ME)

I have a Citibank credit card and had a balance of {$21.00} for XX/XX/XXXX. I had {$1.00} in cash rewards at that time. My payment is for the XXXX of each month and I make/schedule payments days in advance. I redeemed the {$1.00} cash rewards online and Citibank 's system said that I had a balance of {$20.00} remaining, so I scheduled a payment for this balance. According to online transaction, the {$1.00} cash rewards was posted on XX/XX/XXXX and {$20.00} was posted on XXXX. On XX/XX/XXXX I used my Citibank credit card and was DECLINED for the purchase. I called Citi and found out that {$1.00} was the remaining balance. Furthermore, Citibank posted a late payment fee of {$21.00}. I paid in FULL on XXXX by using the {$1.00} cash rewards and {$20.00} from my other bank account all BY XXXX, YET, Citi claims thatI didn't pay {$1.00}, DEACTIVATED my credit card, and charged a late fee of {$21.00}. 

In my opinion, Citibank is practicing ILLEGAL and FRAUDULENT business practices through their financial systems : stating that I could use my cash rewards to my statement balance, stating that I had a " lower '' balance due after I cashed in my rewards XXXX CHARGING A LATE FEE when I did pay my balance in FULL, and DEACTIVATING my credit card for the {$1.00} that Citibank had stated was applied to my statement balance.
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (GA)

I sent in letters To XXXX, XXXX and Experian on XX/XX/22 Disputing accounts and inquires that are not mine. It is now 30 days since I sent my dispute letters to these 3 companies and I believe legally they have 30 days to respond. As you can see from my letters which I will attach it is now 30 days.
Consumer complaint received 2024-04-02
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: LEXISNEXIS (TX)

On or about XX/XX/XXXX, I submitted a complaint regarding LexisNexis. The complaint was addressed, and LexisNexis stated that they located and removed the following records from my credit report : XXXX and XXXX. LexisNexis also submitted a dispute to both XXXX and XXXX on my behalf. However, after multiple calls to XXXX, and XXXX - XXXX was told that no such dispute was received or could not be located. 

I have sent every letter received from LexisNexis to both XXXX and XXXX. I am not sure why LexisNexis has decided to change how I am addressed in each as this could be the reason why both entities are claim they are unable to locate disputes. 

XXXX claims they are getting this information directly from the courts. Please see the attached letter from the courts, dated XXXX, XXXX, XXXX stating that the Trustee does not report to credit agencies.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

My phone was stolen on Friday XX/XX/year>. They hacked my phone and every account on it. They XXXX, XXXX XXXX, and XXXX XXXX thousandsbefore I caught it on Sunday. I went to the bank on Monday the XXXX and filled a claim. I made over ten trips to the bank and sat with a banker and the bank manager for a total of over 20 hours in two weeks filling claims. They denied all my claims saying it was online activity. They had access to all my accounts!! Since the denial, they have sent me to the escalation department as of last week and I have not been contacted. They even opened a checking and savings account under my name with the same bank. We changed the email and password. Thirty minutes after I left thet have changed my information again and I had to return to fix that also. Please help me!
Consumer complaint received 2023-02-07
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. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-03-16
Product: Payday loan — 
Issue: Can't contact lender — 
Company: ENCORE CAPITAL GROUP INC. (OH)

I 'm not really even sure who the original lender is. All I know is on XX/XX/XXXX my paycheck was garnished and I never received any notices. I got a letter with my pay stub saying midland llc garnished me. I did a little research and apparently some company by the name of XXXX was suing from XXXX. Never dealt with them before. I called midland and they gave me another number to call but they never answered
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This complaint regarding the inaccurate credit information being reported. I am greatly distressed by the inclusion of this detail in my credit profile, as they have adverse effects on my otherwise positive credit history. It is imperative to adhere to credit reporting laws, which mandate the reporting of only accurate credit information. Undoubtedly, the inclusion of this erroneous information is either an error on your part or on the part of the reporting creditor. 

The inaccuracies on my credit report have resulted in unjust denials of credit recently, causing considerable embarrassment and negatively impacting my quality of life. Therefore, it is crucial that this information be promptly verified and removed from the report : XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (FL)

I refinanced my mortgage with  Home Point Financial  in  XXXX  of  XXXX . I was abundantly clear that there would be no escrow of insurance and taxes. In  XXXX  of  XXXX  I received a letter from the company stating that they needed proof of flood insurance. I have maintained flood insurance since the original purchase of my home in  XXXX . I promptly provided them with proof of flood insurance and had  Home Point nam ed on the declaratory page.   In  XXXX  of this year I began receiving anonymous letters from "  Insurance  Departmen t '' of Home Point Financial  stating that they would begin escrowing for my flood insurance. I immediately contacted customer service ( if you could call it service? ) to point out the error as I maintain my own insurance and am happy to provide proof of coverage. I was told that I would be grandfathered in and would be exempt from escrow. Several weeks later I received another letter stating that I would be subject to escrow and flood insurance would be force placed on my mortgage. Again I contacted their alleged customer service department and was assured that the mistake would be corrected.     Yesterday, I received a statement from  Home Point Financial  informing me that my payment had been increased by {$43.00} per month for escrow for flood insurance. I called the company and asked who the policy would be with and how much flood insurance coverage I would be supplied with. No one could answer my question as the " insurance department '' does not have a telephone.     I asked to speak to the president and was told that he does not have a telephone.
Consumer complaint received 2021-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This item is not mine and I am not connected to this account absolutely. Its error in reporting because only one bureau repot this item or I am victim of identity theft which is not also positive. I ask you to remove it because I already submitted the prove.
Consumer complaint received 2022-11-26
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: Experian Information Solutions Inc. (PA)

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2017-05-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

My mother co-signed a NJ Class student loan for my daughter who continued to get an  XXXX  when job security was high. Upon graduation the market was terrible. There is no talking  w  NJ class, no flexible arrangements. We tried to keep up but finally we received court papers, to a  XXXX  yr old and poorly paid young person struggling to work many hours a day. Court papers were from  XXXX   XXXX  whose name is all over internet. Ca n't even follow federal rules of debt collection.   Long story short, mom passed in  XXXX  and they have not acknowledged what I sent or faxed. On top of it I asked for update, as it was my mother. They sent it to my daughter and have tagged  XXXX  in fees. Sneaky group, picking on the poor and extortionists. What can be done.
Consumer complaint received 2017-05-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

In   XXXX   XXXX   due to non-paying tenants,  XXXX   XXXX  was unable to keep up with the mortgage payments. Mr.  XXXX  reached out to  Chase  and they offered him an in-house modification which he did not receive in time to accept and the modification was rescinded. Mr.  XXXX  re-applied for a modification but was denied. He then hired a law firm to assist him to obtain a modification and for foreclosure defense.  Chase  dragged the review for a modification for over a year and on   XXXX   XXXX   XXXX   an updated complete package was re-faxed for review as all the previously submitted documents had expired. On   XXXX   XXXX   XXXX   another complete modification package was submitted to Chase because all the documents had again expired without a decision. Between  XXXX  to   XXXX   XXXX  , additional documents requested by Chase were forwarded, mainly bank statements and Profit and Loss Statements as  Chase  was not reviewing the documents in time to submit to their underwriter. After requesting all possible documents in regard to the other homes Mr.  XXXX  owns, a decision was given on   XXXX   XXXX   XXXX   because they mistakenly understood that the property was not generating income. An appeal was submitted on   XXXX   XXXX   XXXX   wherein a supervisor listened to the phone conversation and realized that Chase misunderstood. A denial for a modification was sent on   XXXX   XXXX   XXXX   due to the fact that Mr.  XXXX  was generating {$800.00} income from the property. When asked about the cost of insurance, heat and water, Chase informed the law office that those expenses are considered only if a modification is approved which sets the borrowers for failure. When the law office spoke to  XXXX   XXXX , an Executive Office  Specialist  at Chase, they were never informed that a foreclosure sale date had been set for    XXXX   XXXX   XXXX   .   Chase took two years for the first denial and then another two years for the second denial. Multiple times the law office had to request the assistance of an  Executive Office Specialis  t t o move the review forward as the documents they were requesting went above and beyond the norm.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I vehemently oppose the addition of late payments in whom I noticed on XX/XX/2024, in violation of the Fair Credit Reporting Act. This account has numerous issues, including missing and inaccurate payment information, as well as late payments that occurred after the account was already paid off and closed. Such actions not only harm my credit but also demonstrate a blatant disregard for consumer rights and fair reporting practices. Have attached supporting documents that will make my case in point.
Consumer complaint received 2022-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (CA)

Some person opened a Destiny Master Credit Card in my name on XX/XX/XXXX. I never opened an account with Genesis FS Services. I get a lot of mail with credit applications but throw them out in the apartment garbage bins. It appears someone went through the garbage and stole my identity to make purchases that were unauthorized and fraudulent.Genesis FS Card Services is the name of the issuer I spoke with Day, XX/XX/XXXX, This jyst came to y knowledge as I was texted a bill for credit services I never applied for.
Consumer complaint received 2023-01-08
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. (NJ)

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.

1.Validate Account XXXX XXXX XXXX  Account Number : XXXX : 2.Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX 3.Validate Account XXXX  Account XXXX, XXXX Account XXXX Validate Account XXXX  Account XXXX 6. Validate Account XXXX XXXXXXXX Account XXXX Validate Account XXXX Account NumberXXXX Validate Account XXXX Account Number : XXXX Validate Account XXXX Account XXXX Validate Account XXXX 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 2021-04-26
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: BTH Management (CA)

I submitted official documents along with a personal letter to the original creditor XXXX, that undeniably dispute ownership and responsibility for the account that is currently being reported as delinquent by Plaza Services llc, debt collector. I submitted a dispute for inaccuracies and reported fraud to the credit bureaus and Plaza Services to investigate the validity of ownership to the debt from XXXX. Plaza Services continues to report inaccuracies file against without providing information to validate and identity ownership, agreement terms, contract enforced by law.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC (NC)

I recently checked my credit report and saw that on XXXX XXXX, 2022 a company called " WESTLAKE SERVICE INC '' ran my credit. I did not authorize that inquiry. This inquiry has caused my credit score to drop and I fear that my identity may have been stolen.
Consumer complaint received 2023-01-08
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: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX have not reported that rental amount that I owed as paid on my credit report. This was paid by Alabama rental assistance. I have documentation to show as proof. This was paid in 2021 in two installments first amongst was {$1500.00} and the second amount for {$1900.00}
Consumer complaint received 2022-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This Bank of America account was fraudulently opened under my name and I will not pay something I have no knowledge of. I've managed to remove other charge accounts from my credit report because they were not mine. I also have physical proof from other financial institutions telling me that the account opened was not done by me.