davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (CA)

BSI Financial took over the processing of our FHA mortgage in XX/XX/XXXX. Shortly after, the pandemic struck. We were permitted to take advantage of the FHA-sponsored forbearance for 18 months. Whenever we tried to contact BSI about how to proceed with resuming payments, we would never get a call back. 
We began making payments in XX/XX/XXXX and have never missed a payment since. BSI finally contacted us in XX/XX/XXXX to offer a modification, " Option 1 '' or " Option2 ''. We selected option 2 and completed all the proper documents, had them notarized and returned to BSI via XXXX. BSI representatives have stated that they received the documents on XX/XX/XXXX. Our mortgage payments were to resume on XX/XX/XXXX. 
Instead, BSI sent us foreclosure documents yesterday. They notified the credit bureaus that we are both now 180 days late. My XXXX  credit score went from XXXX to XXXX on one day last week. BSI did the same thing last year and quickly corrected their error. This time they have not done so.

BSI representatives will send emails to our " representative '' who then never responds.

We have all of the documentation showing the modification approval and yet BSI is demanding {$36000.00} or they will foreclose on XX/XX/XXXX. 
The last BSI representative I spoke with said our payment was due on XX/XX/XXXX. The documents from BSI all state : " First Modified Payment Effective Date : XX/XX/XXXX ''. 
I called BSI today and the agent said that our representative and her supervisor are both busy. I left a voice mail with a VP, perhaps ; who knows?

As usual, I do not expect a call back.
Consumer complaint received 2019-07-05
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Commonwealth Financial Systems, Inc. (CA)

On XX/XX/2019 I received a phone call at XXXX XXXX   from the company. When I expressed displeasure with the representative on the phone for the extremely early phone call he seemed completely unaware that there were laws governing when he could not call. While my phone number has a XXXX  area code I have receive mail from this company at my home address in XXXX. The company is aware of how early they called me and violated the FDCPA.
Consumer complaint received 2018-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACCESS GROUP INC. (CA)

In XXXX, some of my loans held by XXXX XXXX, were transferred to XXXX. I had already sent in my XXXX payment. I called them and they told me that they would transfer everything and that I would not be considered past due. I kept sending in the payments, and they were not applied to my account. In XXXX, my XXXX payment and my XXXX payment were not posted. However, my XXXX payment was. 

I had been sending the payments to the wrong address. That has since been corrected. However, they applied the XXXX payment and then told me my XXXX payment -- since it went the wrong address -- would be refunded to me. That did not happen. 

Instead, Access sent it to another subsidiary -- XXXX, who is servicing a loan that I am currently not repaying -- and then claimed I owed XXXX a XXXX payment. Access sent my payment to XXXX without my consent. I sent in a XXXX payment, but since XXXX had my XXXX payment, XXXX applied my XXXX payment to XXXX, and so on. So I have been paying on time, every month, but XXXX   does not credit my account. Even though they receive my payment. 

I have been talking to them for six months. My payments always post no later than the XXXX. I want them to fix this issue, but they will not. I need help.
Consumer complaint received 2022-12-19
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)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2015 Balance {$7900.00} and XXXX XXXX XXXX Date opened XX/XX/2015 Balance {$2300.00}.
Consumer complaint received 2022-06-01
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. (VA)

EQUIFAX I have been trying to submit a dispute for a number of days since my credit score was dropped XXXX points on XX/XX/XXXX FOR PAYING OFF A CONSUMER LOAN IN FULL AND ALMOST {$4000.00} IN CREDIT CARDS WHICH IS INEXCUSABLE CONSIDERING THE 5 PLUS POINTS ON THE PREVIOUS DAT FOR A {$470.00}, PAYDOWN OF ONE OF THE REMAING CARDS IN THE {$4000.00} paid en total.. FROM XX/XX/XXXX on the system will not recognize a valid log in and immediately blocks me for XXXX hours when I have attempted to LOG IN THE FIRST TIME.This pattern has occurred on every attempt : XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX. XXXX.It represents a willfull and intentional action to block my right of dispute under the FAIR CREDIT REPORTING ACT HERE IS THE SECOND VIOLATION OF MY RIGHTS- I have tried the telephone dispute and have encountered the same blockage. I go through XXXX minutes of useless recorded banter attempting to divert me back to the web site that is blocking me-And finally hear that I can not be helped at this time. I have called 2-3 times a business day during the listed hours. SO-I CAN NOT EVEN DISPUTE OR GET ANY ANSWER AS TO WHY THESE HYPOCRITES VIOLATE THE VERY BASIS FOR THIER POMPOUS CLAIMS ABOUT HOW PAYING ON TIME : AND LOWERING DEBT RATIOS IMPROVE A PERSONS CREDIT SCORE. THE REASONS THEY GAVE AFTER ALL THOSE PAYDOWNS AND PAYOFF WERE : TOO MUCH REVOLVING DEBT : AND PERSONAL LOANS ( S ) I ONLY HAVE ONE PERSONAL LOAN ETC
Consumer complaint received 2022-06-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TN)

I purchased this car in XXXX of XXXX  and my Retail Installment Sale Contract Simple Finance Charge states the payment schedule was 72 months. The original loan amount total is XXXX. My payment is XXXX. I did place XXXX payments on the back for the duration of the loan, but they are saying I still owe a balance of XXXX. There is no way possible that I should still owe this amount. I can get that I still owe XXXX for the XXXX payments on the bank but there is no way I should owe XXXX, this would almost make me pay for the car twice. The interest rate on the loan is XXXX. This is predatory lending and false information based on what I signed. The car was purchased from XXXX XXXX XXXX XXXX and the purchase of the car was only XXXX dollars. The lender stated something about a daily interest and there was nothing discussed in regards to daily interest. This again is predatory lending. My account should only have a balance of the XXXX payments. I should be paying this account this year, but I will still go well into next year. This can not be legal and fair
Consumer complaint received 2022-06-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I lost my job due to the pandemic. I applied for mortgage assistance with citizens bank three times and was denied. I reached out to my local HUD office and applied for HAF ( homeowners assistance fund ) in XX/XX/2021 Citizens has failed to complete the onboarding process with HAF. After reaching out to Citizens multiple times and being told by multiple departments that someone will be looking into it, I received a letter from citizens bank that they have began the foreclosure process on my home. I have since reached out to citizens bank, their foreclosure lawyers and HAF and HUD to no avail. This has been almost a year of back and forth communications with multiple agencies that have not been able to help.
Consumer complaint received 2022-06-01
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. (MD)

This is a real live person just trying to live their life. Within my right as a citizen I am trying to refinance my home and purchase a car. Because of the XXXXXXXX XXXX XXXX XXXX  my score is still going down. 

Explain. I opened a XXXX XXXX XXXX and XXXXXXXX XXXX XXXX  for use for my grandchildren. Shouldnt be anyones business. Immediately reported on my credit report. 

I opened an XXXX Account for business. I got hit with points for opening new accounts I paid down accounts got XXXX points Put in an application for a car loan a couple of places- got points taken away Creditor pulled XXXX I got rate of 6.95 XXXX I got rate of 9.25 Put in for a home loan - got points taken away XXXX XXXX XXXX is still reporting the Balloon Payment I previously disputed! 

Whats Fair about this?

I
Consumer complaint received 2024-04-09
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/2024. I made a payment to my Sam 's Club bill of XXXX dollars by use of my debit card. The payment cleared my account and I figured this month 's bill was settled. Two weeks later I started to get calls from Synchrony Bank stating the account was overdue. I called Synchrony Bank to validate the payment. The customer service representative said she showed a payment to the account of XXXX, however it was not posted correctly. Synchrony then asked that I send proof of payment once again I was forced to talk to an overseas representative who had problems communicating. She continues to state payment was received, but she needs proof of payment. I asked the representative if the account is showing paid two weeks after payment and monies have cleared why am I being asked to send in the method of payment? She stated she did not know why, however, this is the regulation she must follow. Synchrony has sent multiple letters stating a temporary credit has been given until the XXXX of XXXX. If proof of how payment was made in the account the credit will be taken away and the account will reflect an arrears. This bank possesses poor customer service skills. Their international customer service contract is horrible. I need Synchrony to validate payment and to restore the credit that they have received.
Consumer complaint received 2022-06-01
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: EQUIFAX, INC. (MD)

This is a real live person just trying to live their life. Within my right as a citizen I am trying to refinance my home and purchase a car. Because of the XXXXXXXX XXXX XXXX XXXX  my score is still going down. 

Explain. I opened a XXXX XXXX XXXX and XXXXXXXX XXXX XXXX for use for my grandchildren. Shouldnt be anyones business. Immediately reported on my credit report. 

I opened an XXXX Account for business. I got hit with points for opening new accounts I paid down accounts got XXXX points Put in an application for a car loan a couple of places- got points taken away Creditor pulled XXXX I got rate of 6.95 Equifax I got rate of 9.25 Put in for a home loan - got points taken away XXXX XXXX XXXX is still reporting the Balloon Payment I previously disputed! 

Whats Fair about this?

I
Consumer complaint received 2022-06-01
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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.
Consumer complaint received 2022-06-01
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MarkOne Holdings, LLC (OH)

Well, in XXXX of 2016, I had an automobile financed with MarkOne Financial Services located in XXXX, FL. Here in Ohio, the customer never holds the actual vehicle title. After realizing that I never received a paper lien release in the mail or notification that the lien was released electronically, I called MarkOne Financial. On or about XX/XX/2016, I called and explained to XXXX XXXX that information. She in turn advised me that there was a small balance of {$150.00} and that in exchange for the balance in full, she, on behalf of MarkOne, would remove any and all prior delinquency of my payment history because of this unknown small balance. On XX/XX/2016, I authorized payment to clear out the balance. 

Additionally, I have the dated email from XX/XX/2016, from XXXX XXXX stating the above facts. 

I sent MarkOne XXXX certified letters. XXXX to the physical address and the other to the address on my actual credit report. The physical address was returned as being undelivered, but the POB letter was signed for. I call the USPS and was told that the POB was NOT assigned to MarkOne Financial, BUT they could not tell me the current owner of that particular box.
Consumer complaint received 2022-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I don't believe that there's been an actual investigation on these accounts and you've failed to furnish any documentation that prove they are reported correctly. Because of this, I need for you to perform an independent investigation and go beyond the original source of information to ascertain the accuracy of my accounts. I would also like to see any and all documentation that was used in the previous investigation as well as the documentation that you are required to have on file prior to the reporting of this account to ensure accuracy. I am getting really frustrated, because you keep telling me that I'm wrong when I'm sending you info taken directly from my credit report! This is exactly what you are reporting and I'm pointing out the errors, so how am I wrong when it's what you're showing me? Explain to me how these can be verified, then updated and continue to report inaccuracies? Delete the following from my credit report immediately! 

XXXX # Transunion date last active XX/XX/XXXX. Last payment date XX/XX/XXXX DELETE XXXX  XXXX # Last active date XX/XX/XXXX. Last payment XX/XX/XXXX. DELETE XXXX XXXX # Transunion last date active XX/XX/XXXX. XXXX last active XX/XX/XXXX. DELETE XXXX  XXXX # Account opened XX/XX/XXXX. XXXX open date XX/XX/XXXX. DELETE XXXX  XXXX/XXXX  XXXX XXXX # XXXX reported XX/XX/XXXX. Last active XX/XX/XXXX. DELETE THE XXXX # Transunion active date XX/XX/XXXX. XXXX active date XX/XX/XXXX. DELETE XXXX  XXXX  XXXX # Last reported XX/XX/XXXX. Last active XX/XX/XXXX. DELETE XXXX XXXX XXXX # Last report and last active date the same. DELETE XXXX # XXXX last active XX/XX/XXXX. XXXX last active XXXXTransunion last active XX/XX/XXXX DELETE XXXX XXXXXXXX # Last report and last active the same date. DELETE XXXX XXXX # Provide proof of open date. DELETE XXXX # Credit limit {$200.00}. Credit high {$400.00} DELETE FST XXXX # Credit limit {$400.00}. High credit {$700.00} DELETE FST XXXX # Credit limit {$300.00}. High credit {$510.00} DELETE XXXX # Credit limit {$300.00}. High credit {$630.00} DELETE
Consumer complaint received 2022-06-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XXXX, i mobile deposited an XXXX XXXX  payment into my fifth third checking account. After waiting 2 days for the check to process, it had cleared and was available in my account. On the morning of XXXX, I checked my bank statement to ensure my account was good for the bills that are set to autopay on my account. I was shocked to see that my account XXXX over XXXX dollars in the negative and there was no clear explanation as to why. Today, XXXX, I called fifth third for details as to why they overdrafted my account by such a huge number, given that I had no pending transactions or checks showing as bounced. After talking to an agent at the XXXX XXXX location in XXXX, Ohio, I was informed that the check had been deposited twice although it had not been endorsed until I deposited it on XXXX. I was then called back and told it was because the check was void after one year and I had missed the window to despot it. I was then called back again and told that the check had indeed been deposited twice, and I was expected to pay back the full amount after they had made the funds available. This constitutes fraud on fifth thirds part as they have either deposited an unendorsed check to my account without my knowledge, or have accepted the check and deposited the funds, only to pull them from my account after well over 2 weeks of access. Fifth third has willingly and knowingly provided me false information and is in violation of 15 U.S. Code 1611.
Consumer complaint received 2022-06-01
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)

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
XXXXXXXX XXXX  # 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
Consumer complaint received 2022-06-01
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. (SC)

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX  # 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
Consumer complaint received 2022-06-01
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. (PA)

On XX/XX/2022 Experian posted a debt of {$550.00} from XXXX XXXX XXXX XXXX XXXX. I contacted Experian requesting the " ... .procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) ... '' I have not heard back from Experian as of XX/XX/2022 XXXX
Consumer complaint received 2022-06-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hello I am having issues with Bank of America, my checking account was in the process of closing however my IRS check was excepted on XX/XX/XXXX and I have yet to receive my money due to investigation, Ive been given days after days, that my account was closing and they will issue me out a cashiers check, when I call call they tell me my account is still not closed they then provide me with yet another date this has been going on for about 2 months now Ive explained to Bank of America that my bills r backed up I keep telling my landlord The same dates and days they give me and to no avail Im still on hold I need help I dont know what to do or what to tell my landlord now