davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

In XX/XX/XXXX I lost my husband to XXXX and then subsequently my husband 's Mother fell ill and passed away on XX/XX/XXXX. As a result of both of these sudden losses and due to the medical expenses associated with his treatment, my mother-in-law 's care and funeral costs coupled with the loss of his retirement income I was unable to meet my day to day living expenses and the Mortgage payments on the First and Second Mortgage I have with SPS. 

I made application to SPS XX/XX/XXXX advising them of this hardship and seeking first a modification of the loan terms which SPS denied because they said during my husband 's lifetime we were already approved for one so application was made for a reverse mortgage with a new lender and a short pay approval for the 1st and 2nd loans with SPS in XX/XX/XXXX. The Reverse Mortgage criterion was that I would only be afforded up to 50 % of the home value to payoff all liens ( Appraised value then and now was $ XXXX ). With the help of my daughter I submitted my request for a combined short payoff for 1st and 2nd lien of $ XXXX based on the Reverse Mortgage Conditional Approval ; which would leave funds to pay the outstanding HOA fees, back State Taxes and any recording and closing fees. The 2nd lien approval came in for the $ XXXX short pay in XX/XX/XXXX with an expiration date of XX/XX/XXXX and a counter was sent in against the short pay approval of $ XXXX for the 1st mortgage of $ XXXX so I can stay qualified for my reverse mortgage terms on XX/XX/XXXX. On XX/XX/XXXX both my daughter and I were told that the 1st lien payoff was approved for the $ XXXX short pay and that the letter was being processed and I would receive it in the mail within 7-10 business days. On XX/XX/XXXX we both reached out to lender and they advised it was still in processing and we were told that all the way up to the point of the 2nd lien short pay of $ XXXX expiring on XX/XX/XXXX ; which when a request was made to extend the 2nd lien payoff was then being told I had to start the process all over again with a new RMA for 1st and 2nd and an Appraisal - which came back with the same upside down value of $ XXXX. I called to get the 2nd lien short pay updated after the appraisal was reviewed with a new expiration date and was told that they could not provide it as they were awaiting the review of the short pay approval for the $ XXXX. As of XX/XX/XXXX I was told that SPS wanted the appraised value as a short pay amount?!!! I am now diagnosed with XXXX my family is distressed I am overwhelmed and am not sure what the Investor on the 1st mortgage is seeking beyond the $ XXXX offer and subsequent $ XXXX counter to their $ XXXX they are looking for the 1st lien. I have a verifiable HARDSHIP. I have no hidden funds and would be paying them using my Reverse Mortgage which at this point I hope I can still qualify for. I need help. Please.
Consumer complaint received 2022-07-17
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. (CA)

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 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-07-14
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: Navient Solutions, LLC. (FL)

Navient was reporting a 90 late payment on two accounts in XX/XX/2014. I disputed the accounts in accordance with FCRA. Instead of correcting the errors, Navient removed 7 accounts from my credit reports that were in good standing causing my scores to plunge. 

The 90 late payments were in XX/XX/2014 and they were eventually brought current. As such, they should have been removed according to Section 623 ( a ) ( 2 ).

I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. Navient communication regarding retroactive forbearances states If the forbearance was applied retroactively to cover a period of delinquency, any information previously reported to each nationwide consumer reporting agency will remain. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point.
Consumer complaint received 2022-08-27
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I got an alarm on my computer that it was locked down due to hacking and that I needed to contact XXXX security which I did. XXXX confirmed that both my computer and phone were hacked by someone in XXXX for a XXXX website. They had me give them Citizens phone number, which is my bank, and said they would connect me with the bank and to explain the situation to them and why I was calling from a phone that was not associated with my account. The bank confirmed that they had a XXXX charge that was scheduled to be paid within 2 hours to XXXX for accessing a XXXX XXXX and that they could not stop it because payment was authorized from my phone. I demanded they not pay this but they said they had no option other than for me to go out and buy cards from various vendors so they could allege double payment. I refused this option as I stated my phone was also hacked so the payment was fraudulently authorized. This transaction happened at about XXXX this morning. They confirmed they were speaking with me so why would they go ahead and process a XXXX charge to my account. Please help me out as I am at witts end. I have all the info on the XXXX person I was dealing with if you need it.
Consumer complaint received 2022-08-28
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. (MO)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ACCT # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  ACCT # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX KS XXXX ( XXXX ) XXXX ending acct # # # # # # # # # # # # # # XXXX, has violated my rights. amount : {$1100.00} Original creditor XXXX XXXX 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 2019-07-14
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. (GA)

This is my third request that maybe use as proof in a court of law, for you to remove inaccurate information in my report due to identity theft. You have stated that the public records belong to me but you have as a third party reporting agencies you have to have physical evidence in order to list this account in my credit, I'm a litigious consumer an I intent to enforce my right My information had been breach in recent and pass data breaches, accounts, inquiries, public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, Section 609 A 1 A, state that you must have physical verification of any items reported on a consumer credit file.please remove all this items from my credit report. These event has prevented me from getting finance as well as a better job to better my life.
Consumer complaint received 2020-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I have been in contact with XXXX XXXX and they have stopped collection activity on this account and the fraudulent account have been removed from both XXXX and XXXX. Why is it that your company Equifax is still reporting the fraudulent account. Not only that your company Equifax is reporting an account that is a result of identity theft. Not only was I not aware of this account, XXXX XXXX never gave me notice to dispute the validity of this account before inserting it into my credit file.However they have notified the credit bureaus that they have ceased collection. I am formally disputing this account once again as I am a victim of identity theft and this account is a result of thereof. Please remove this account from my credit file that you maintain.
Consumer complaint received 2020-02-14
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (NC)

We purchased a distressed mobile home park in 2018. We planned to purchase the mobile home park with a mortgage with an initial 2-year fixed term with the intention of improving the park and completing a cash-out refinance after the first two years. We discussed this plan with our lender First National Bank. The lender told us at the closing table that they were interested in doing the cash-out refinance after 2 years and said that there would be no prepayment penalty when we refinanced with them. We agreed and completed the sale. After improving the park we began the process of applying for the cash-out refinance. At that point, First National Bank refused to complete the cash-out refinance. We proceeded with another lender. When we received the payoff statement from First National Bank, there was an {$8000.00} prepayment penalty. They provided us with TRID disclosures stating that there would be no prepayment penalty. The only reason we proceeded with this lender is that they told us that they would refinance the park at the two-year mark with no prepayment penalty. They then refused to complete the refinance and then charged us a prepayment penalty. They are contractually entitled to do this, but this is not what we planned and agreed to at the closing table. We would have used another lender if First National Bank had told us that they would not perform the refinance and charge a prepayment penalty.
Consumer complaint received 2019-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (PA)

This Account was opened on XX/XX/XXXX - credit report shows XX/XX/XXXX. This account was closed on XX/XX/XXXX by Dept Of Education ... because these loans are from XXXX XXXX. Which was sued by the Dept of Ed.  Also I selected the XXXX campus because the XXXX, pa location that I attended at XXXX XXXX XXXX XXXX, PA. XXXX is not listedon the drop down list. Navient is in violation for continually to report a closed account. Maybe they were not informed by the Dept Of education. Credit Reporting Agencies are in violation for reporting a closed account as open.
Consumer complaint received 2019-07-14
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: URS Holding, LLC (NY)

Student loans result of identity theft from a for-profit school that's no longer opened several attempts have been made, notified the loan provider about this matter, I've contacted the school 's and the loans managers to remove this debt from my record. They threaten to offset my tax return. After filled several disputes they still haven't refunded my tax and never reach a decision about the fraudulent loan. 
They said the loan is in default I've contacted the local police and forwarded all documents proving this account was open with unauthorized signature. But they continue reporting this account the all the credit bureaus and continuously causing me further damages financially. 
After I repeatedly asking them to give proof of all investigations and contacted parties in their investigations they've chosen to not cooperating or further investigating the officials of the school where the loan originated and they continuously denying me every time I sent a dispute or loan requested to discharge these loans. They continue breaking the law by allowing and facilitating these individuals who have stolen my identity to open student loans.
Consumer complaint received 2023-06-26
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: Experian Information Solutions Inc. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo dropped my flood insurance without my consent or knowledge. It was held in escrow and paid by them each year. I made a claim in XX/XX/XXXX and was told it had been dropped because I had been rezoned and it was no longer required by the lender. I told them I had never been in a flood zone, it had always been optional, and I absolutely could not afford my home without the assurance of flood insurance. They said they would let me skip payments for three months and the notes would be rolled into the loan and that would help me pay for repairs. XXXX came I received a phone call while at school teaching and they said I owed 4 payments by the next day or the payments I was allowed to skip would be considered late and reflected as such on my credit report! Over XXXX dollars. I left school and went to my bank and borrowed the money. The next morning I called to make a payment and was told the loan would have to be modified to put the notes in the loan total so I would only owe XXXX 's payment. I told them I had borrowed the money and wanted to pay the balance owed. They said it was already in a modification status and that wasn't an option. Over the course of the next year- through XXXX of XXXX I paid my mortgage through a third party collector while the loan was in modification. I was told my flood insurance had been reinstated and I was put on a 40 year loan. I ultimately got sick, then I had a wreck in XXXX on my way to work from not being able to sleep at night as I was XXXX years old and my life savings was rolled into this now modified mortgage. I was hospitalized for XXXX days in XX/XX/XXXX for XXXX of a XXXX XXXX I am certain pertaining to the stress involved with having a mortgage through wells fargo and the debt incurred from repairing my property with no insurance and wasn't even referred to FEMA. In XX/XX/XXXX XXXX came and I had over 18 '' of water and the force of XXXX XXXX rocking waves into my home for 5 days. I called to make a claim and was told I had NO FLOOD INSURANCE. I just found my original closing papers from XXXX and I in fact never was in a flood zone, and I was never rezoned, in all these years my zoning had never changed! I had to retire in XX/XX/XXXX after 45 years of XXXX. I have not received a penny in flood insurance money, no compensation from Wells Fargo, and no help from the worst insurance company in America- XXXX XXXX . I have spent the small lump sum I took out when I retired, making my retirement half of what I was expecting, incurred XXXX in debt, in addition to continuing to pay a mortgage for a house that is not yet inhabitable due to the damage from XXXX. After 45 years of XXXX I am now in worse financial shape than I have even been, and no career with income ahead. WF has destroyed everything but my health, yet I don't know how long I can stay healthy under the stress and XXXX that this has caused. No way to explain. I know WF does not care. I don't know why I am taking the time to type this. It is very painful.
Consumer complaint received 2019-01-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kansas Counselors, Inc. (KS)

A collection company named Kansas Counselors has reported three collection accounts on my credit report. They were supposed to supply me with a notice of my right to dispute, prior to putting these accounts on my credit report. However, they did not.
Consumer complaint received 2019-01-23
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: EQUIFAX, INC. (OH)

RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and  XXXX XXXX XXXX  XXXX ran an unauthorized credit inquiry on me on XX/XX/2019. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX   XXXX and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

If you have any questions or need additional information, please contact me at address listed below.

Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

My credit card payment was due XX/XX/XXXX. I am enrolled in auto pay for the full statement balance so as to incur no finance charges. On XX/XX/XXXXI changed my future auto pay dates to be later in the month. Since I made this change the day before my payment was to be processed I assumed this change would be effective for my next statement cycle and my XX/XX/XXXX payment would be processed as scheduled. The information on the AMEX site did not give any indication my payment would be canceled. In fact, the website instructs customers to make changes by XX/XX/XXXXor two days prior, presumably so they are effective for the current bill. Since I made my changes after this date, I thought my scheduled payment would be processed. When I reviewed my account on XX/XX/XXXXI noticed my payment was not processed and I had a late fee. I disputed this fee and got the fee reversed and also made a payment for the full balance as enumerated on the AMEX site. XX/XX/XXXXI noticed an interest charge of {$60.00} on my account. AMEX notified me it was because my payment was late. I explained the situation above. They even told me that those changes go into effect for the next cycle ( why then, was my scheduled payment canceled? ). They refused to reverse the charge or credit me the full amount. They also indicated that an additional interest charge would appear on my next statement, but could not provide the amount. I feel these are improper and unethical charges since a reasonable customer would assume, based on the information provided by AMEX at the time the change was made, that the scheduled payment would be processed and the customer would not be required to take any further action.
Consumer complaint received 2019-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Since XX/XX/2019, we have been locked out of the online payment process for Bank of America credit card. 

Upon them calling us for a missed payment, we explained that they rejected the original payment and have locked us out of the payment center for the account. 

This was explained at XX/XX/XXXX or XXXX, 2019 and again at XXXX payment cycle. 

They call my husband 7x a day and they call me 5x a day. This feels excessive considering the payment portal is still locked on their end preventing us to make a payment. 

As we both work during the day, we can not answer during work hours, so we are forced to continue this process for days on end as their office is closed when we are not working. 

For 4 payment cycles this issue persists and is harassing us for an error on their end.
Consumer complaint received 2023-06-26
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.