davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (TX)

On XX/XX/XXXX of 2021. I XXXX XXXX and spouse contacted Movement Mortgage stating. That we had submitted a formal letter and form provided by Movement Mortgage to remove PMI from our mortgage account based off of the equity now in our home due to the increasing demands of real estate. A letter was received stating that the company would soon evaluate our request. Several weeks later I received a letter from Movement mortgage asking me to provide proof of improvement made to our home. I then called and emailed Movement stating that improvement to the home was never the reason we asked for the PMI to be removed but the accrued equity in the home. The Movement mortgage representative then stated they would correct their records and an appraisal would be don on the home with fees charged to us. We were told by the movement mortgage representative that they could not accept an appraisal from us directly. My husband and and I agreed to the terms. After several follow up calls to Movement asking about the status we only received that they were working on it no further action was needed from us. After three months of not hearing any word from the mortgage company, we finally sent a demand letter for information after calling XXXX XXXX and XXXX XXXX for guidelines on removing PMI. Movement stated they were sending our case to escalation but after a week we heard nothing. Then on Friday the XXXX of XXXX, we received a call from Movement Mortgage but was unable to hear the person on the other end. We immediately return the call. The customer service representative said someone that was a costumer service supervisor named XXXX had called us and that she was messaging him that we were on the phone. The representative said she was going to cold transfer us. After 10 minutes there was no sound and the phone disconnected. We called once again to Movement and explained the series of events to the new Movement representative we were put on hold. When the representative return she said XXXX informed her that we would not be available for a call on Saturday and that we have been more than patient and that XXXX should have called us back as he knew we had tried countless time to reach him on this high priority issue. We are within our rights to have the PMI remove but Mortgage refuses to follow its owns process to move forward with our request and we seek assistance with this matter. XXXX and XXXX XXXX
Consumer complaint received 2021-08-27
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Flagstar Bank, N.A. (NC)

My mortgage company, Flagstar Bank refuses to remove reported late payments from my credit report, for the months of XXXX and XXXX, 2020. A lump payment of over {$17000.00} was bank wired to Flagstar to accomodate all fees, payments due, and excess funds into an Escrow and Overage account. Flagstar admitted in writing this payment was received and processed prior to XX/XX/XXXX, yet they continue to report XXXX payment as late when it fact my mortgage was legally and fiscally up-to-date the day the funds were accepted. 
Flagstar also proceeded to charge a late fee for my XX/XX/2020 mortgage payment in spite of receiving another electronically wired mortgage payment plus additional " shortage '' fees paid as requested.
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has sent a debit card on my personal account and it does NOT work. The PIN they provided does not work. It has been going on for last 6 months. This is a criminal bank and have wait to 40 minutes to talk to customer service. Have to spend 5 days at the bank and no one knows how to fix it. Customer service is a 4 letter word.
Consumer complaint received 2021-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (VA)

Hello, my loan servicer Amerihome Mortgage ( XXXX XXXX XXXX, XXXX, NJ XXXX, tel : XXXX ) performed Annual Escrow Account analysis on XX/XX/XXXX. The analysis states " Your Projected Escrow Account Balance as of XX/XX/XXXX is {$2500.00}. Your Required Beginning Escrow Balance according to this analysis should be {$3000.00}. This means you have a Shortage of {$510.00} '' Amerihome also provided a table with their calculations, which show how they determined that the balance is projected to be {$2500.00} on XX/XX/XXXX. Since the analysis was done ( and the report was generated ) on XX/XX/XXXX, the table contained an estimated payment Amerihome expected to receive from me in XX/XX/XXXX. Nevertheless, the table was missing the estimated amount for XX/XX/XXXX, since my XXXX payment was done on time after XX/XX/XXXX. Had Amerihome included the estimated amount for XX/XX/XXXX ( {$640.00} ), the projected amount for XX/XX/XXXX would have exceed the required balance and there would have been no shortage. 

On XX/XX/XXXX, I called Amerihome and explained the problem as I described above. The representative created a ticket and promised that I would receive the result of the review of their calculations no later than XX/XX/XXXX in my email. 

On XX/XX/XXXX, having received no email, I called Amerihome to ask for the status of my ticket. The representative said that the review was performed and that they believe that their calculations are correct. He stated that I would not receive anything in the email showing the results of their processing of the ticket created per my report on XX/XX/XXXX. The representative could not explain why missing a payment for XX/XX/XXXX ( either actual or estimated, as in XX/XX/XXXX ) is a proper projection method. Instead, he offered printouts of past payments and escrow account balances, even though they are irrelevant to the projection techniques that Amerihome employs. Thus, unfortunately, I was unable to resolve the issue with the Amerihome. 

The issue with the projection method in Amerihome reported above became even more difficult to resolve because Amerihome suddenly notified me about my loan transfer to another servicer, which will honor Amerihome 's questionable calculations, with no knowledge or responsibility for wrong calculations. Specifically : On XX/XX/XXXX I received " Notice of Servicing Transfer '' from Amerihome in mail. The letter indicated that it was generated on XX/XX/XXXX. The new Servicer will be XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, tel : XXXX ). Both Amerihome and the new servicer confirmed that they are expecting my loan to be transferred on XX/XX/XXXX, and that the new processor will honor the questionable calculation done by Amerihome. 

Thank you!
Consumer complaint received 2021-08-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated (NJ)

I received a report today from two of the credit bureaus ( XXXX, XXXX, ) indicating that a collection agency, by the name of Consumer Adjustment Co., which I never heard of, had reported me to be in a collection delinquent status, for the amount of {$280.00}, supposedly because the aforesaid amount, was past due for 1 month. I find this report to be totally unjustifiable, for I do neither know what kind of company this is ( if in fact, it is legitimate or fraudulent, ) nor do I know, what the amount it claims " I owe to them, '' has to do with, or stems from. 
I have never done any kind of business with this company, and if it is true that I owe it, or any of its commercial associates, the amount it claims I owe ( past due one month, ) I ask you kindly to answer me : I am not entitled to being informed about the debt, before they report me, and maliciously affect my credit? and even if I owed them the amount in question, is it justifiable for this company to report someone as delinquently owing them, only after 30 days go by, without making first, a conscious effort to reach the person adequately, and documenting the financial obligation well, to that person. I find this situation to be extremely unfair, maliciously intended to destroy people 's hard earning credit ratings, in a total violation of consumer rights, and perhaps ( unless the debt is proven, ) even Fraudulent. Please help me out to clear my name, but most importantly, to restore my credit rating, as it went down 61 points immediately, due to this inaccurate report. Thank you very much. 

The information of the aforementioned collection agency, is as follows : CONSUMER ADJUSTMENT CO. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX XXXX
Consumer complaint received 2021-08-27
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lincoln Educational Services Corporation (NY)

The school has been paid through the VA and federal grant. They were penalized for issues on there end and the federal government took back the pell from them and now the school is threatening me. I also did not give them permission to run my credit but I was alerted today that they ran my credit.
Consumer complaint received 2021-08-27
Product: Credit card or prepaid 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: Neon Newco Corporation (CA)

I filled a dispute against XXXX XXXX XXXX XXXX after filling the dispute they closed my account and said I can never open a new one I'm supposed to get back a little under {$5000.00} can u help
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Experian is reporting a bankruptcy on my credit report. They have stated that this information is verified. I have contacted the original reporting agency and have been advised that they didn't report my information to these credit bureaus. I have attempted multiple times to remove.Please have this information removed from my profiles immediately.
Consumer complaint received 2021-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (NJ)

Since last year of XXXX, my XXXX account has been restricted from use. This XXXX XXXX  claimed that my account had a negative balance since my linked bank account could not honor the transaction. XXXX began to send me letters to bring my account to positive. In the economic while dealing with my financial difficulties, I received a letter dated XX/XX/XXXX from debt collection agency American Coradius International LLC for {$500.00}. Thereafter, another letter dated XX/XX/XXXX from collection agency XXXX XXXX XXXX. I attempted to call both collections to pay the debt and they had no record of it. I contacted XXXX to dispute the debt and they gave me another collection agency XXXX XXXX XXXX  number of XXXX ( XXXX ) XXXX. I called them as well with a conclusion of no record of any debt with my name. XXXX is an utter failure to resolving any issues and they need to lift restrictions off my account.
Consumer complaint received 2022-11-01
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. (CA)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX .... Balance XXXX {$2300.00} ; U.S. DEPARTMENT OF EDUCATION XXXX .... XXXX XXXX {$570.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I mailed of a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are reporting inaccurate personal information.
Consumer complaint received 2023-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo Home Mortgage I was given a loan modification in XXXX when I was laid off and Wells Fargo applied a deferred principle balance of {$27000.00} to my loan and added {$4500.00} to my original mortgage. This raised my mortgage to {$110000.00} for a house that is only worth {$65000.00}, because of this I have to continue paying PMI insurance. A couple of years after this, I received letters from THREE DIFFERENT Home preservation specialists from Wells Fargo stating that I requested another loan modification. I DID NOT. 

They sent me a letter XX/XX/XXXX telling me that I qualified to have my PMI insurance stopped and when I called to asked about removing the insurance they sold my mortgage to XXXXXXXX XXXX. It still has the {$27000.00} deferred principle balance on my loan and Im still paying PMI insurance.
Consumer complaint received 2021-08-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

Toyota Financial Services violated federal law 15 USC 1605 pertaining to my finance charge. I made {$10000.00} down payment in this consumer credit transaction and that was supposed to be included in the finance charge. The premiums I paid for liability was also supposed to included in the finance charge. These these facts was not disclosed to me in this consumer credit transaction.
Consumer complaint received 2021-08-27
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)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2023-03-04
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)

I XXXX : XXXX, XXXX have sent out cease and desist letters to XXXX along with debt validation letters. Today XX/XX/XXXX I still have 3 HARD INQUIRIES and LATE PAYMENTS that has yet not been removed, due to not having a wet signature or any consent in that nature, they have continued to not follow up with my letters nor remove what was demanded to be removed from my credit report. These being reported has brought my credit down tremendously. My family has not been able to get approved for a car, house or anything thats needed to get through life. I have been turned down getting approved for anything and its causing stress to me and my family, giving me hard times. 
INQUIRIES : XXXX : XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/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 : XX/XX/XXXX, XX/XX/XXXX XXXX : XXXX In accordance with the 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-01
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-08-27
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (ME)

Hello, I am an Authorized User for this account. I have been paying faithfully while the primary can not. She is filing bankruptcy soon. She will include the card/ account that sears refuses to update ( refused : please request or see supporting evidence ). 
No late pays and good standing but I am not going to pay on this account by myself anymore as the Authorized User. 

Compounding the problem is the fact I can not get service for this account. Unfortunately XXXX representatives will not discuss one word of this account with me for address errors or ANYTHING. That is not drama its a fact. 

I have legal rights as an Authorized User to remove myself from this account. It is my responsibility. I do not have access or a card active. So I believe its clear. 

Please request the company SEARS have its bank remove me as an obligated borrower. The letter from SEARS to me after they denied my request says it all. 

" We are unable to update the credit report as requested. To remove authorized users from the credit reporting, the authorized user must be removed from the account. '' Please ask for a copy. Bad grammar is part of the letter not me. 

SEARS MASTERCARD Card No : XXXX Thanks profusely Respectfully XXXX XXXX XXXX
Consumer complaint received 2021-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (PA)

CONVERGENT OUTSOURCING contact me about a debt related to a gas bill ( XXXX XXXX ) I told the collection company that I already paid that bill directly to the main creditor. They kept calling me about it like over 10 times and every time I tell them its already paid. They reported my account as delinquent on ( XXXX- XXXX  ) I disputed the debt through the web site of both of ( XXXX  & XXXX  ). XXXX  fixed and deleted the debt but XXXX  was not able to fix it, I disputed it again and they still unable to fix & delete it after I sent them my bank statement shows that I paid the debt to the main creditor.
Consumer complaint received 2021-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have previously sent PORTFOLIO RECOVERY ASSOCIATES a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges that PORTFOLIO RECOVERY ASSOCIATES claim I owe. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation
Consumer complaint received 2021-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NH)

Deceptive practice/Poor web design? : I log into chase 's web site to pay my bill electronically and select " remaining statement balance '' radio-button thinking this is the amount to pay so as not to be charged interest on purchases. But it isn't, I'm charged daily/variable APR retroactively on purchases because I hadn't paid off the " current balance ''. 

XXXX. How could that be? Mistake # 1, my bad, I typed an '8 ' instead of '9 ' resulting in a significant underpayment typo. Mistake # 2, Chase 's bad, because of the subtly deceptive payment interface/bad UI design I routinely use to pay off my account balance. I usually do a perfunctory check of my " account activity '' on chase 's web site to check charges but it is so slow, and cumbersome that when I have many charges it takes forever to update and unfortunately ( for everyone ) the " interest charge '' is the last transaction at the very end. Wait, wait, and wait some more. Fortuitously, it was when I stopped waiting and downloaded pdfs of my statements to verify transactions that I discovered the APR charges. So failure to wait, forever, is mistake # 3. 

So there's a HUGE difference between selecting " remaining statement balance '' meaning interest will be owed, and " statement balance '' no interest owed for payment. So why not make it explicit. Highlight in red, use an asterisk, flashing font, something. TO AVOID INTEREST YOU MUST PAY CURRENT BALANCE. After realizing these aforementioned " mistakes '', I more carefully perused Chase 's S-L-O-O-O-W website. Even under " account Activity '', sub-menu popup panel " .. /Credits/Purchases/Fees Charged '' I didn't see an amount for interest charges. It is in the pdf statement, on the web it takes perseverance to find. Deceptive, typical UI trick. 

Yes, I filled a survey on their website and complained to customer support.