davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BSI Financial Holdings, Inc. (GA)

It appears that I should be eligible for FHA loss mitigation options to bring my mortgage current, and that BSI may not have complied with some of the requirements it had to review your account for loss mitigation options before scheduling foreclosure. Mortgage companies can not start the foreclosure process until a borrower is 120 days delinquent, in part to give borrowers time to be considered for loss mitigation options. During that 120 day period, servicers of FHA mortgages are required to send out early intervention notices and default notices letting borrowers know they have options. 

In my case, while my loan is technically over 120 days delinquent, my mortgage statements showed my loan was current until XXXX of this year. Me ( and BSI ) didn't know I was in default for a full 120 days before foreclosure proceedings started. That means BSI didn't contact me about options, and I wasnt given time to apply. When I found out about the default, I asked BSI about loss mitigation options right away, but at that point BSI told me it was already too late. So I was not given a meaningful opportunity to apply for and be reviewed for the FHA loss mitigation options it appears I would be eligible for. The specific options it appears I am eligible for are the HUD Partial Claim ( which would put me arrears into a non-interest bearing second mortgage due at the end of my loan term ) or Recovery Modification ( which would change my interest rate, maturity date, and put some amount of my principal balance into a non-interest bearing second mortgage due at the end of my loan term ). 

As of my XX/XX/2023 mortgage statement, my account reflected that it was current through XXXX XXXX, 2023. After that, it appears several payments going back to XXXX 2023 were reversed. My XXXX mortgage statement showed I was 66 days delinquent but my XXXX statement showed I was 139 days delinquent. 

I found out in XXXX that my account was in default and contacted BSI and XXXX XXXX immediately to ask about loss mitigation options, but I was told it was too late to be considered because the account was already in foreclosure. I was only able to get a reinstatement letter. 

One thing to note is that applications for FHA loss mitigation are being " streamlined '' right now, meaning you only need to call and ask to apply and you should be considered and I was referred to the BSI website to get a application online.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XX/XX/XXXX Account Number XXXX Affirm XX/XX/XXXX Account Number XXXX WayFair XX/XX/XXXX Account Number XXXX XXXX XX/XX/XXXX Account Number XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2021-08-21
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. (PA)

The XXXX  account listed on my credit profile is a violation of my consumers rights. The account has conflicting date of last activity and date of last payment. This account is false and inaccurate. Please remove immediately. I have provided supporting documenting showing the inaccuracies of this account. Please remove immediately! I AM NOT A CREDIT REPAIR COMPANY.
Consumer complaint received 2020-07-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (UT)

Intrest is extremly high 35.98 % the loan is for {$12000.00}. dollars I make a payment of {$430.00} {$0.00} went to principal and {$430.00} for interest. And another thing they charge me {$600.00}. 
for loan application.The first payment that I made was for {$530.00} and when I made the above payment the balance was still over {$12000.00} dollars. I very sincerely need you help, so after I hear from you I will pay a fair balance in full I thank you in advance. 
Normally I don't go borrowing money but I was taking by scams with over {$200000.00}
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NY)

This is to file complain against CHASE CARD. 
Opened XX/XX/2015, Credit limit {$11000.00}, Balance {$12000.00} I never Opened this account, Chase are reporting this false information, on my credit file XXXX, i called them many times, but they wan na help, or provide me with proofe i opened account with them.
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (PA)

Citi bank is reporting an account on my consumer reports and they have yet to verify and validate the debt. I submitted a request for them to send me an authenticated record of the account pursuant to Uniform Commercial Code Article 9-210 which states that the recipient must respond to the request within 14 days. It has been over 14 days and I have not received a response. I have requested that the Generally Accepted Accounting Principals ( GAAP ) bookkeeping entries that proves creditor has suffered a loss, a copy of the XXXX that was filed for the account, the truth in lending disclosures, and the opt out disclosures. I have also requested that they cease all communication both directly and indirectly which includes consumer reporting. Please see attached.
Consumer complaint received 2020-07-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Continental Currency Services, Inc. (CA)

Yes, services were offered for getting cash back from my EBT card. When I asked XXXX ( bank teller ) how much the fee was he said {$1.00} and then quickly stated that I would be getting {$11.00} from my {$15.00} dollar request. I entered my pin code and XXXX gave me {$11.00} walking out of continental currency services looking at my receipt I noticed the fee amount of {$3.00}. Waling back in business for my refund of {$2.00} because of being overcharged, lied to, misquoted, fraud. The store manager XXXX was not available. Then XXXX said call our headquarters in XXXX XXXX XXXX XXXX ) XXXX, after calling headquarters the phone kept ringing and then finally a voice mailbox machine recording played then I left a message stating " it's XXXX PST is anybody available to take my call? I am at the XXXX location XXXX store manager is not available to provide customer service '' for me this business is terrible, disorganized, unprofessional, without customer retention policies, disrespectful XXXX would not provide customer services kept repeating " come back tomorrow ''. I then kept calling Continental Currency Services headquarters in XXXX XXXX and a XXXX woman answered stating I should speak with XXXX XXXX XXXX I asked what is his title she said " marketing ''?? I explained that this matter was regarding customer service and I was told that he does that too. I really began seeing how this company does not have it together, so then she said or speak with XXXX. XXXX was eavesdropping my conversation with headquarters pretending she was ignoring slipped {$2.00} under her teller window, so I disconnected the call and explained in person at her window that I will never do business with her company ever again! This did not happen by coincidence I have been experiencing state sponsored persecution at the hands of XXXX, I believe because racial reasons XXXX.
Consumer complaint received 2021-03-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (OH)

I asked them verbally and written notice to provide me with signatures and medical information to determine that the debt was mine. It has been more than 30 days and still no response. I would like for them to remove this collection off my credit please.
Consumer complaint received 2020-07-28
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: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I had my credit report recently pulled, and there were multiple duplicates I've already reported, then there were 4 other companies on my credit report that ive never done any business with. 
XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX PORTFOLIO RECOVERY # XXXX I've never did any business with these companies.
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (FL)

I purchased furniture through the XXXX XXXX XXXX & they gave me a promotional no interest for 18 months payment plan. I have the payments on XXXX & have never been late. XX/XX/2022 my total closing statement balance was {$3300.00} & A payment was debited out of my account for {$500.00} taking the total balance to {$2800.00}. 

My XX/XX/2022 closing statement comes & I notice my total balance is still {$2800.00} they debit my account again for {$500.00}, Yet I notice a " Interest charge of {$3900.00} making my new balance $ {$6300.00}??? 

I called the Customer service line @ XXXX & speak with a Customer service Rep & she informs me that since my promotional 0 % interest had expired they were charging me the accrued interest on what the total purchase was at the time I took the account out {$14000.00}. 

We had a dispute about charging interest of paid balances and she basically said they would just report me to credit bureau and ruin my perfect credit score if i did not pay the accrued interest. 

I went to on line on XX/XX/2022 and paid the full balance of {$2800.00} and when i check the site this morning. they took all those funds and applied them to interest only none to principal. 

This seems to be a highly unethical business practice & charging {$3900.00} of interest on a total statement balance of {$28000.00} is an illegal business from what I read.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I recently noticed that I am a victim of identity theft, and I am requesting an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit information or applications will be approved or issued until the lender first verified my identity.Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN XXXX BUSINESS DAYS
Consumer complaint received 2022-02-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-07-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received a telephone call on XX/XX/2020 at approximately XXXX XXXX  from the telephone number XXXX XXXX XXXX XXXX XXXX. 
The caller proceeded to say the last four digits of my Social Security number and asked me if they belong to me. Highly unethical for someone to give an unverified person the last four digits of someones Social Security number.
Consumer complaint received 2021-08-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Neon Newco Corporation (TX)

Est XXXX Netapend XXXX XXXX XXXX Deposit held for XXXX {$35.00} negative balance on other card was told it would take 2-3 Business days for resolve. Spoke w CSR on XX/XX/2021 after unlocked account was never told account was locked due to negative balance. Fastbfwd 2 weeks account locked unable to access funds from XXXX XXXX Deposit.
Consumer complaint received 2022-02-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-06-10
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. (NY)

I XXXX, I am a victim of Identity theft. I have provided proof of my ID Identity theft report from the Federal Trade Commission. And a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Consumer complaint received 2018-05-04
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: Experian Information Solutions Inc. (FL)

Experian is denying me the right to submit my disputes on line. They have advised it can not be processed on line and there is no reason that they should be hindering this process.
Consumer complaint received 2022-02-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NJ)

Hello, I walked into Truist today to have my mortgage documents renotarized and was met with XXXX and XXXX  discrimination by the service rep who denied the opportunity to have my mortgage documents renotarized for processing when they notarized the first copy weeks back. This bank is perpetuating housing discrimination against immigrants and people of XXXX. There was no policy provide to state otherwise. Their practices are disgusting to the public and as a account holding consumer.
Consumer complaint received 2020-07-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO. (FL)

My husband, XXXX XXXX and I, XXXX XXXX leased a XXXX XXXX. We turned in the vehicle to the local XXXX dealership. The vehicle sat at the dealership for two days before it was inspected. I took photos at the lot when we dropped the vehicle off. The claim from XXXX XXXX is now that there are damages ( excessive scratches ) over {$2000.00}. I called and submitted via certified mail, my photos and my claim that the damages could have occurred while on the car lot before inspection. I have been told that we still have to pay over {$2000.00} for a scratch. This is absurd. I have photos showing no damage.
Consumer complaint received 2019-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BB&T CORPORATION (VA)

On XX/XX/XXXX I went to BB $ T to open a secured credit card for {$500.00} and at the end my application got denied even though I have a checking account with them I am a victim of fraud from XXXX bank and that is a card that I never opened They are also not helping me and think I used it since someone made the account
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY (MD)

On the beginning of the month of XXXX person called me to told I Iwas envol on a XXXX account and they where going charge me for XXXX thousands dollar 's What happened that the person on the phone tell me to go out and star buying gifts cards so i ended wasting XXXX thousands dollars on different stores and after the credit cards don't allow me to spend more money i ended going to the bank and withdraw XXXX thousands dollar 's more he promise me that he will put the money in saved account. 
My wife toll me not to due no more and we when to the and tell the manager what happened so we close all the accounts and credit card but we do not know that was XXXX was taken money from the other bank that we using to pay for the mortgage he took all the money from the other bank to XXXX XXXX XXXXXXXX AND XXXX XXXX THAT MY HISTORY SO I WAS A STUPID ALL ALL THIS TIME. 
.MY NAME IS XXXX AND MY WIFE XXXX.
Consumer complaint received 2024-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rozlin Financial Group, Inc. (HI)

XX/XX/2024 I sent this email to XXXX  .... 
I did not authorize this profile and inform your establishment this matter has been reported as fraudulent to my financial institution. I ask that you reimburse any charges that were unlawfully taken from my account and ensure any of my personal information have not been compromised ; immediately. 

XX/XX/2024 XXXX  responded with... 
Dear XXXX, Thank you for your email.

We apologize for the inconvenience caused.I understand that you've claimed your profile and subscription as unauthorized.I will be glad to assist you. We have received your recent inquiry regarding an unauthorized XXXX  charge to your credit card. We take your report seriously and have assigned this investigation to one of our Account Specialists.
Rest assured that if we find this to be a fraudulent charge, we will immediately refund the charge, close the account and notify you of our actions.

Should you have any further queries regarding this matter, please do not hesitate to contact us. 
Sincerely, XXXX XXXX. 
XXXX  Customer Care XX/XX/2024 XXXX  responded and stated, We have received your recent inquiry regarding unauthorized charges and were able to locate a subscription associated with profile ID : XXXX. Based on our review of this account, we have found no evidence of fraud.

While our members may request removal of their accounts at any time, if there is an outstanding balance owed, XXXX  is under no obligation to grant the
request.

Moreover, as per our records, I can see that you have an outstanding balance of {$450.00} on your current membership. To settle the dues, please login on your account where the Reactivate page is available.

We have confirmed that the automatic renewal on your account has been XXXX and your membership is set to expire on the XX/XX/2024 Recently, I was notified by XXXX  is a debt collector .....

We are trying to collect a debt that you owe to XXXX. We will use any information you give us to help collect the debt.

Notice Date : XX/XX/2024 Reference Number : XXXX To : XXXX XXXX XXXX, HI XXXX Our Information Shows : You had a subscription from XXXX  with account number XXXX. 
As of XX/XX/2024, you owed : {$470.00} Between XX/XX/2024 and today : You were charged this amount in interest : + {$0.00} You were charged this amount in fees : + {$0.00} You paid or were credit this amount toward the debt : - {$0.00} Total amount of the debt now : {$470.00} Last Payment Received : None
Consumer complaint received 2022-02-18
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: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

On XX/XX/XXXX, I submitted to XXXX XXXX letters requesting validation of a debt with Portfolio Recovery ( PRA ). I specified my request for validation with proof of original debt and ink signatures. XXXX claimes to have validated/updated this debt and maintains this record on my profile. In this process, I received a letter dated XXXX from PRA stating they would close my dispute ( without honoring my request for verification ) on the grounds of them not receiving information they requested. I did NOT receive this letter. I also checked the payment portal, and XXXX of the accounts on my credit file is no longer listed. 

PRA is refusing to honor my request for validation and has removed a debt from my account, but continues to report on my credit file. XXXX has clearly failed to do their due diligence in this dispute process, and I want these accounts removed immediately from my file.