davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (TX)

On XX/XX/XXXX, I sent in a handwritten request ( attached XXXX  ) to BSI Financial to have PMI removed from my loan because I had fulfilled all the requirements as outlined by my contract and by XXXX XXXX  to have PMI removed. I had reached the 80 % LTV ratio and was current on my payments. The loan balance on the date the request was sent in was $ XXXX original purchase price in XX/XX/XXXX was {$250000.00} ( see XXXX ), the original appraisal was at {$260000.00} ( see XXXX ), and the original loan amount was {$230000.00}. 
The Private Mortgage Insurance Disclosure ( see PMI XXXX ) of my contract states that " You have the right to request that PMI be canceled on or after the following dates : [ ... ] The date the principal balance actually reaches 80 % of the original value of the property based solely on your actual loan payments. 
" 'Original value ' means the lesser of the contract sales price of the property or the appraised value of the property at the time the loan was closed. '' Additionally, since my loan is a XXXX XXXX loan, the XXXX XXXX servicing guide ( XXXX XXXX XXXXXXXX  ) Section B-8.1.-04 states for " borrower-initiated termination of conventional mortgage insurance based on the original value of the property [ ... ] if the mortgage loan is secured by [ ... ] a one-unit principal residence [ ... ] then the LTV ratio eligibility is met on the date the mortgage loan balance is first scheduled to reach 80 % ( or actually reaches 80 % ) of the original value of the property. '' Given the definitions of original value and LTV ratio outlined both in my mortgage and by XXXX XXXX, my LTV ratio on XX/XX/XXXX would be 78 % ( $ XXXX {$250000.00} ) - the loan amount divided by the original contract sales price of the property. 
One month later, I received notice that my request to have PMI removed was denied on the basis that the principal balance had not reached 80 %. In talking with representatives at BSI Financial, it turns out that they were using the original loan amount of {$230000.00} instead of the original contract sales price of the property of {$250000.00}. I have since had several back and forth phone communications with BSI Financial, and they continue to use the original loan amount despite having sent to them what it says both in my mortgage contract and in the XXXX XXXX servicing guide. They refuse to acknowledge both my contract and the XXXX XXXX  guidelines.
Consumer complaint received 2019-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had a Capital One Journey MasterCard. This was my very 1st card. After paying my bill around Mid XXXX -early XXXX, I deiced to go buy some things. The Next, Morning I get a notification that my account is DOUBLE my original balance. I Immediately call Customer Service. They tell me, That a payment of {$930.00} was returned ( My balance was only like {$300.00} ). I asked them whats going on. They precede to tell me that there are MORE THAN ONE type of Payment accounts on my card. Baffled, Annoyed, and Honestly Scared I told them that only ONE account is supposed to be on this card. They closed my Account and Stuck me with an over {$900.00} bill. 
Today, I tried to talk to them again. I was not aware of what I could do to fix my problem. They gave an Hour and half run around to tell me its not Fraud so I am stuck with this balance. I am very new to credit cards and have no idea what I am supposed to do.
Consumer complaint received 2022-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is XXXX XXXX XXXX this CFPB complaint to you today as a follow up of the previous CFPB Complaint I submitted to the Credit Reporting Agencies on XX/XX/XXXX. I previously sent a dispute letter addressed to the Credit Reporting Agencies on XX/XX/XXXX, with complete attachments of my personal information as well as the XXXX I received from the FTC, requesting the removal of the disputed accounts and information from my Credit file that are completely unknown to me. I have read that under the Fair Credit Reporting act section 605b, the Credit Reporting Agencies are required to remove any accounts and information not later than XXXX business days after the date of receipt. Also, in the event that the Credit Bureaus claim that the disputed accounts and information belongs to me, I require the Credit Bureaus to send me copies of proof of verification. I have previously included these items on my first CFPB Complaint and I am including them once again. Please have the following items removed from my Credit File as soon as possible : 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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-11-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (WI)

I noticed a collection debt appear on my credit report earlier this week ( XX/XX/18 ). I XXXX XXXX the name of the company and looked up their website - I have never received anything in writing nor any phone calls ( that resulted in a voicemail - I do not answer calls from unknown numbers ) from this company about this debt. I contacted their settlement department via e-mail using the e-mail address on their website requesting more information about the debt owed, but have not received a response. I have no way to pay the debt if they do not send me the account information that is required for their website, which means it will remain on my credit report until it is sorted out.
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (VA)

Acceptances by CHASE BANK on account number ending in XXXX Certificate Of Non-Response I, XXXX XXXX XXXX, have sent off certified mailing and payment in forms remittance/coupon in efforts to resolve and settle account number ending in XXXX. This notice is pursuant to federal and state law evidence of dishonor UCC 3-505 and UCC 1-202 . I state the following as facts. 

On the dates of XX/XX/2022 and XX/XX/2022, CHASE BANK at CHASE Payments Processing XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX received a remittance/coupon payment via United States Postal Service Priority Mail XXXX The corresponding tracking number is ( XXXX XXXX XXXX XXXX ) as verified by Certificate Of Service. 

After acceptance of mailing, CHASE BANK refused to send confirmation that account ending in XXXX has been adjusted and settled, nor a notice of dishonor from a qualified third party excusing their refusal, in response to the correspondence regarding account number ending in XXXX. 

CHASE BANK did not cure their dishonor. CHASE BANK gave no creditable or justifiable reason, or federal laws and or regulations for refusal to confirm the adjustment and settlement of account number ending in XXXX or send a notice of dishonor. 

Despite the numerous phone calls to multiple CHASE BANK departments including but not limited to the Customer Service department, Payments/ Billing department, Account Services , Legal Department , Executive Office XXXX Collections Department XXXX about my payment not being reflected on my account, trying to explain and give a breakdown as to why federal law says this is a legal form of payment and what FDIC Law 7500- FRB Regulation 204.1 iv defines what a deposit is : ( Any due bill or other liability or undertaking on the part of a depository institution to sell or deliver securities to, or purchase securities for the account of, any customer ( including another depository institution ), involving either the receipt of funds by the depository institution, regardless of the use of the proceeds, or a debit to an account of the customer before the securities are delivered. A deposit arises thereafter, if after three business days from the date of issuance of the obligation, the depository institution does not deliver the securities purchased or does not fully collateralize its obligation with securities similar to the securities purchased. A security is similar if it is of the same type and if it is of comparable maturity to that purchased by the customer ; CHASE BANK has willingly and knowingly ignored federal law. 

Sources : Bill Of Exhange Act, Truth in Lending Act, UCC 1-202, UCC 3-103 , UCC 3-104, UCC 3-603, UCC 3-503, UCC 3-311, UCC 3-301 , UCC 3-302, UCC 3-415.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANKMOBILE TECHNOLOGIES, INC (IL)

XXXXXXXX XXXX has denied my checking account with no documentation or information as to why. I've made over a dozen attempts to open an account with XXXXXXXX XXXX, utilizing their XXXX checking product. I've simply been told that " verification failed. '' I made it clear to their representatives that I am willing to provide verifying information to them, in the format needed. However, all of my attempts have been ignored.
Consumer complaint received 2019-07-19
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)

XXXX XXXX XXXX has placed a fraudulent medical collection on my credit report. I have never received any notification for medical bills and I am a XXXX and have a great benefits package.  This is negatively impacting my credit and needs to be removed immediately.
Consumer complaint received 2020-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2015-11-07
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (NY)

Experian started charging me for some sort of service which I never authorized : Pending Transactions Note : Debit card transaction amounts may change ( Learn More ) XX/XX/XXXX PURCHASE Experian XXXX XXXX CA XXXX $ XXXXPosted TransactionsXX/XX/XXXXRECURRING PAYMENT AUTHORIZED ON XXXX Experian XXXX XXXX CA XXXX CARD XXXX $ XXXXXX/XX/XXXXRECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX Experian *Credi XXXX CA XXXX XXXX XXXX $ XXXXXX/XX/XXXXPURCHASE AUTHORIZED ON XX/XX/XXXX EXPERIAN SCORECARD XXXX CA XXXX CARD XXXX $ XXXXXX/XX/XXXXRECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX Experian *Credi XXXX CA XXXX CARD XXXX $ XXXXXX/XX/XXXXRECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX Experian *Credi XXXX CA XXXX CARD XXXX $ XXXXXX/XX/XXXXPURCHASE AUTHORIZED ON XX/XX/XXXX Experian *Credi XXXX CA XXXX CARD XXXX $ XXXXXX/XX/XXXXPURCHASE AUTHORIZED ON XX/XX/XXXX Experian *Credi XXXX CA XXXX CARD XXXX $ XXXXTotals {$0.00} $ XXXXUse the menu above to view account history since XX/XX/XXXX for th
Consumer complaint received 2019-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

I try everything in my power to result this issue I call I send dispute out to let them know that me personally I have never open this account and for them to come tell me that this account is accurate when I know its fraud at this time Im willing to do what ever and take the extra step to get this account removed of my report because its not accurate and fraudulent
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC. (CO)

I had several charges for goods on my debit card issued by Robinhood that were not received. The merchant revoked the goods permanently and totally without cause. I had attempted to report goods not received to Robinhood through their app, as their FAQ and website instructs is the only way to issue a dispute. The app told me I can not open disputes in the app so I had to run around in circles to find out how to contact the company directly. 

Two weeks after my support ticket was sent in ( with an average response time of >24 hours reported ) I received an email stating my cases had been opened for the charges and that I should provide any additional information I have at this time. Just 2 business days later, before I had even had a chance to respond, Robinhood notified me all of my disputes had been closed in the merchants favor due to insufficient proof. They didn't even give me an opportunity to provide details from side and I'm certain they have not received anything from the merchant in such short timeframe. This appears to be a case of Robinhood blatantly ignoring the Fair Credit Billing Act in it's entirety by not actually conducting an investigation. I'd love to see any proof they have of conducting one since I'm positive no such activity transpired.
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC (PA)

Once again I am reaching out about CoreLogic Credco. There is blatantly wrong information on our credit file that they arent willing to update saying it can take up to XXXX days to remove - maybe less but no guarantees. I have all of the documentation that I need and XXXX XXXX and each of the credit reporting agencies have been helpful - only after escalating with XXXX XXXX. When there is inaccurate info on a file that can hinder someones ability to buy a home - and potentially end up homeless because of a snag like this - it shouldnt be taken this lightly. I have the case number from someone in XXXX XXXX exec office, they have sent letters directly to Credco to get them removed, but they see no urgency. I couldnt even get to a supervisor when I asked. Was told nobody was in. How can we make sure this gets corrected in a timely fashion so we can get our loan and close on time?
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Goal Structured Solutions, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX DOB XX/XX/XXXX SS # XXXX Dated : XX/XX/XXXX RE : Account Number XXXX To Whom It May Concern, On or about XXXX of XXXX, someone applied for student loan using my personal information from XXXX XXXX XXXX, XXXX. I have since requested validation for the loan and so far have received none. XXXX XXXX XXXX, then sold the loan to Launch Services, LLC, who place the loan amount of {$2500.00} on my credit report. Since Launch Services, LLC placed the unauthorized debt on my credit file, my credit have fell below XXXX. I have requested for validation of the loan. I am requesting copies of Identification, Social Security card and Copies of documents with my signatures attached. 
Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. Also, a debt collector must also prove they have a legal right to collect the debt. 

This matter needs to get resolve immediately.
Consumer complaint received 2022-05-13
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. (FL)

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. 

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 Have All 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.

All of the accounts listed above have violated BOTH of my federally protected rights.

Delete all of these accounts immediately, or be held {$1000.00} per violation.
Consumer complaint received 2022-05-17
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this  clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXXXXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-05-17
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I tried several times to get Trans Union to correct my credit report. The same information has been on my credit report for over seven years. When I tried to get the free annual report the request was rejected, I could not get to speak to a customer service person. Moreover, I can not get to compare the information Trans Union has on my report with the information provided by XXXX and XXXX. 

Arguably, the data on the Trans Union report dates back to 2007. The score of XXXX has been on the account since then. Although, information more than seven years old should be removed. I am yet to see changes to the trans union report. Therefore, I am asking for a review of my trans union credit report.
Consumer complaint received 2022-03-25
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: ID Analytics, Inc. (UT)

I AM A VICTIM OF ID THEFT AND XXXX FCRA FTC LAW ENFORCEMENT REPORT ATTACHED. 
XXXX XXXX XXXX. 
IS REPORTING FRAUDULENT BANK ACCOUNTS IN MY NAME.
Consumer complaint received 2017-09-11
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. (AL)

On XXXX XXXX, 2017 Equifax discovered a hack that exposed my personal information, including name, address, and social security number. I believe this is due to negligence on the part of the company for failing to protect my information securely. They inappropriately and without permission gave my complete credit history to a 3rd party.