davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-31
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc. (NY)

The service provider BSI financial has refused to provide a payoff letter for the refinancing and/or sale of subject property. In fact because of their inactions and refusal to act appropriately in under state and federal law. They have decided to force the property into bankruptcy. Additionally, documents show that there is an a fraud going on with the escrow account. Based on a letter from the provider, there was {$9000.00} in overage and an escrow account. The BSI refused to pay the taxes on the property even though the funds were in their account. Now all of a sudden the account is down to about {$3000.00}. Only thing done is they took money for themselves. They have constant lies about everything. They obtained a judgment for {$470000.00} in XXXX XXXX supreme Court. However of that is {$64000.00} in legal fees. They have given us numbers of {$470000.00} and {$530000.00} roughly and everything in between. The law firm has made accusations against a home inspector and made accusations against the law firm representing the property in bankruptcy. They have made false and repeated statements including claiming payments were not being made post bankruptcy file when yet they were. Now they claim they're only owed {$490000.00} but yet refused to give a payoff. You need to look at this case if you're really there to help us out. They also made statements to the bankruptcy attorney that they will do everything to ensure that the landowner is not successful in refinancing and or selling the property. This is proven by the fact that a plan was offered to sell the property to make the bank whole. The bank opposed the sale which would have happened within a 14-day period. They demanded the court that we seek a higher and better offer. When is it the business of the bank if they're paid in full to ask for anything more than what they're entitled to. They have done nothing but cause stress aggravation and defrauding the landowner of their rights under federal and state law.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Fl. XXXX ACCT. 
XXXX XXXX XXXX XXXX XXXX Dear Sir/Ma'am I XXXX XXXXConsumer to Experian Information Service this is request for complete validation/verification of this alleged debt your agency is reporting on my Consumer Report. 
I have disputed this account several times with EACH Consumer Reporting Agency. XXXX and XXXX have BOTH permanently deleted this item from my Consumer Reports.

ACCOUNT TYPE INCOMPLETE/INACCURATE, PAYMENT SECTIONS INCOMPLETE/INCORRECT, DATES AND ACTIVITIES SECTIONS ARE INCORRECT/INCOMPLETE CEASE ALL CONSUMER REPORTING UNTIL YOUR INVESTIGATION IS COMPLETE AND I AM SENT ALL REQUESTED DOCUMENTS LISTED BELOW.

( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) XXXX- PLEASE PROVIDE AS REQUESTED FROZEN SCANS- PLEASE PROVIDE AS REQUESTED AUD- PLEASE PROVIDE AS REQUESTED CARBON COPIES-PLEASE SEND I AM REQUESTING MY CONSUMER FILES, FILE DISCLOSURES, AND CONSUMER REPORTS-ALL ARE REQUESTED. 

SEE FILE ATTACHMENTS XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX
Consumer complaint received 2022-05-31
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 called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Addresses : XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX Accounts : 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 on my credit report which are UNKNOWN to me XXXX This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, W2 for my Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these accounts is inadvertently resulting in me being extorted.
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I was charged {$300.00} in XXXX   in XXXX XX/XX/2022. Capital one charged me {$300.00} USD. They will not convert this from XXXX to usd. Which is roughly {$15.00} USD. Ive tried multiple times without success.
Consumer complaint received 2022-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Mr. Cooper took over my mortgage in XX/XX/XXXX and for several months, was adhering to our loan agreement by granting me the ability to make penalty-free early principal payments. In XX/XX/XXXX I removed the escrow from my loan. My monthly payments decreased. Then in XX/XX/XXXX, Mr. Cooper terminated my ability to make penalty-free additional principal payments. 

The penalty that Mr. Cooper has been charging me since XX/XX/XXXX is disguised ; it is not labeled as a penalty fee. Mr. Cooper is instead penalizing me by misapplying my additional PRINCIPAL payments as extra monthly payments. 

Therefore, I do not get credit for principal paydown. 

Each principal payment is misapplied as extra monthly or triggers reversals of my monthly payment which is then re-reversed and re-applied over subsequent days or weeks. With the tactic of misapplication, reversal and re-reversal, Mr. Cooper delays, by days or weeks, applying additional principal payments to principal. 

It is sometimes even worse. In XX/XX/XXXX, Mr. Cooper completely neglected and refused to apply my additional principal payment to principal. This happened again in XX/XX/XXXX. In a phone call on XX/XX/XXXX, XXXX XXXX XXXX made the correction by applying my XX/XX/XXXX additional principal payment to principal ( 19 days late ), but she did not modify the date to accurately represent this XXXX delay. 

Mr. Cooper 's data from their website does not show the number of days of delay, because when Mr. Cooper applies my principal payments, after taking advantage of the misapplication-reversal-re-reversal delay tactic, Mr. Cooper does not modify the payment date accordingly. 

In each phone call, I say multiple times that I want these payments to go to principal, but they do not. One customer service representative explained that when Mr. Cooper customers mail their additional principal checks to Mr. Cooper, no matter how large the words additional principal appear on the check or stub, the amount will nonetheless be applied as an extra monthly payment. When I learned that, I stopped mailing checks and have since only made payments by phone. 

Summary XX/XX/XXXX Mr. Cooper bought my loan XX/XX/XXXX I took escrow off my loan XX/XX/XXXX My monthly payment decreased from {$1700.00} to {$1200.00}. 
XX/XX/XXXX Mr. Cooper began charging me a hidden penalty by delaying or refusing to apply my payments to principal
Consumer complaint received 2020-12-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XX/XX/XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it. XX/XX/XXXX
Consumer complaint received 2024-06-11
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: Ava Finance, Inc (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my AVA FINANCE - XXXX, AVA FINANCE - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2022-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I believe I have been scammed by a Bank of America scammer, I was sent a text asking did I authorize a XXXX transaction through XXXX. NO WAY did I authorize that, I had less than a XXXX in my account and now XXXX of it is gone!!! I have rent coming up in a day and I'm screwed!!! Please help me!!
Consumer complaint received 2019-11-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (WI)

I have had an ongoing issue with FedLoan Servicing. The recent issue started on XX/XX/XXXX. I made my payment, just as I have every month, and it cleared my bank on XX/XX/XXXX. when I went to check my account, which I always do, it said I still had a balance, part of the payment, and that I was past due. I first called on XX/XX/XXXX, I waited to see if something needed to clear, to employee XXXX. She told me that she saw my payment but part of the payment when to something else and that she would place an order to have it fixed within 7-10 business days. My second call was XX/XX/XXXX with employee XXXX who, after looking through my account, told me that the last employee never did anything to resolve my issue. I was then reassured that he would take care of the issue with an order ... ... Same thing. My next call was with employee XXXX who said they saw the request from XX/XX/XXXX and that between XXXX XXXX it should be resolved. After seeing it was not resolved, I called and talked to employee XXXX who informed me there was no order and that she would have her supervisor help her expedite an order to take care of my issue. It is now XX/XX/XXXX and my bill says I am still past due. 
This issue is still not resolved. 
This company has screwed me out of thousands of dollars already by recommending I switch my payment plan for loan forgiveness ( income based ) only to increase my monthly payment to 3 times what I already pay which I could not afford on a XXXX   salary. And when I wanted to switch back they told me that I needed to do standard payment, which added 5 years of payments to my loan with no opportunity for forgiveness. 

I just want to pay my bill and be done with these people.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA (TX)

On numerous occasions since XXXX, XXXX I have asked Apple Card / Goldman Sachs to increase my credit limit. Ive had no late payments with this card, or any other credit card. However, when I apply to have my credit limit increased, I continue to get denied. 

On XX/XX/XXXX and XX/XX/XXXX, I applied for a credit limit increase with AC/GS. On both occasions, I received a notification that my request was denied. On both days I applied for a credit limit increase, Goldman Sachs used a credit report from XX/XX/XXXX for the credit limit increase request. It is interesting they will not pull a current credit report to evaluate a credit limit increase. I would think they would want to have current information, not information that is over nine months old. It is also noteworthy to mention that on my XX/XX/XXXX credit report, there were a number of errors that have since been resolved, and my credit score is significantly higher now. 

I have asked Goldman Sachs to resolve this on numerous occasions, and this continues to be an issue. 

The screen shot I have attached is from an email dated XX/XX/XXXX.
Consumer complaint received 2019-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NC)

As of XX/XX/XXXX we ran our credit card bill up. We owed {$1400.00} on the XX/XX/XXXX statement. During XX/XX/XXXX I made these payments : XX/XX/XXXX {$2000.00} XX/XX/XXXX {$240.00} and XX/XX/XXXX $ XXXX.The payment date for the XXXX statement was XX/XX/XXXX. The new balance for XXXX was {$4300.00} with a payment due date of XX/XX/XXXX. I made a payment on XX/XX/XXXX for {$2500.00} that is not showing on this statement because no payments were showing but I paid the {$2500.00} before the due date. I did not pay this month in full and accrued interest of {$45.00} which I do not debate. Then in XXXX my amount owed was {$370.00} with a due date of XX/XX/XXXX. I paid XX/XX/XXXX {$130.00} XX/XX/XXXX {$2500.00} and XX/XX/XXXX {$5700.00}. I paid all purchases besides the pending purchases which were the {$370.00} before the credit card close date. I accrued interest which I disputed of {$75.00}. I was told by TWO citi representatives if I pay the credit card off full in two consecutive months, then the interest would stop accruing. So on XX/XX/XXXX I paid XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX XXXX as the purchases posted. Then on XX/XX/XXXX I paid the remaining posted purchases of {$820.00} before the credit card close date and YET they still charged me interest of {$6.00}. I contacted them again and because my XXXX has a remaining statement balance it was not considered " paid in full. '' I have never had a credit card company that required me pay two consecutive months to stop interest or have I ever had a credit card charge me interest when I have paid the credit card down to a XXXX balance beside pending purchases. I am a XXXX member and when they switched from XXXX XXXX, we had no say. There was no paperwork we signed. To get a copy of the card agreement you have to request it. This is by far the worst credit card I have ever had. Citi does not allow customers to pay pending purchases online and XXXX XXXX allowed me to. I could eliminate some stress if it allowed me to pay pending purchases but they are using this as leverage to charge interest to customers.I don't see how a credit card company can charge interest when the card was paid in full.
Consumer complaint received 2023-10-17
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. (GA)

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 Account Number : XXXX has violated my rights. Or list of 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 2020-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

i have received a letter on XX/XX/2020 from Chase Bank saying they were closing all my personal credit cards. I reached out to the number listed on the letter but despite being a supervisor the lady could not provide more information than the letter had. which is nothing.
Consumer complaint received 2022-05-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Every time I contact Wells Fargo regarding my account, they always seem to have different information contained within my credit and financial records that is not mine and I have notified them of this several times yet more and more information continues to surface, who knows what else they have XXXX  up or added into my financial records with them. I am concerned that their notoriety for inability to maintain data privacy and record security of their consumers is resurfacing again. They have data in my financial records that I am unaware of, did not provide, and have no idea who's it is. I have never had these types of fraudulent data security breach issues with any other home loan except for with Wells Fargo, same type of slimy dealing now with my home loan that happened with my car loan, which is why I choose to never do business with them again. 

I request that my loan be serviced by a reputable and trustworthy financial institution not one that is incapable of ethical business processes and practices. They should have been disbanded the first time the feds came knocking, nothing has changed except they paid fines and it seem like everyone is looking the other way again now
Consumer complaint received 2022-10-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (CA)

I was going through my One Main Financial account on my credit report and noticed that more of my {$460.00} payment is going to the interest, not the loan amount. I reached out to my XXXX XXXX, CA branch Representative XXXX and asked her what my interest rate for this account is. She then told me 35 %, when I told her the max interest rate for a personal loan in California that a company can collect is 10 % she was unaware and transferred me to another department which transferred me to another department after I told them the same story. I finally was transferred to the Customer Care Department and spoke to XXXX XXXX if he even gave me his correct name @ XXXXXXXX XXXX on XX/XX/2022, for approximately XXXX XXXX sec XXXX I told him what I told the previous representative, he said let me look at your contract, I told him California Law out ways a OneMain Financial contract. He said let me get a manager to put a complaint in. After having me on hold for so long, he came back and said his system is down and I need to call back to the Customer Care Dept. to put a complaint in. My overall complaint is if you doing business in a State and your Main branch is from another state, follow the state you doing business in rules and regulations. I am a XXXX Veteran so integrity is very big. I do not have a problem paying interest on my loan, but 35 % is too high an my State of California under article XV Section 1 states for any loan of money which is to be used primarily for personal, family, or household purposes, the maximum interest rate permitted by law is 10 % annually. I want to keep this loan as I barely make all my payments on time, but the interest rate should be modified per California Law. Thank you
Consumer complaint received 2022-05-30
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: TRUIST FINANCIAL CORPORATION (NC)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"