davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BB&T CORPORATION (GA)

This is my 2nd complaint to Regional Acceptance. XX/XX/2018 I received debt validation information I had requested through the collection agency that was taking over the charged off account. I then made a report on XXXX towards Regional Acceptance stating they violated my rights. In the state of Georgia " a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. '' By not providing me with a deficiency letter or a notice of plan to sell they violated this right. They sent me the same information they said they sent via certified mail. When I looked at the documents the address they sent it to was/is not my place of residency. On the retail installment sale contract, my address is inaccurate. The address listed for me is the primary applicants address. A relative who carry 's the same name as I do. When I looked on their XXXX portal under contact information, it has the same copied address and phone contact is replaced with a series of various numbers. When I called their charge-off department and asked what address read on the copy of the ID they had for the original application, it was not that of the one being reported by Regional Acceptance. I have a rental lease agreement with the same date/time frame of that when the letters were sent out from Regional Acceptance proving my residence was not at the address they have listed. A notice of deficiency and information regarding the vehicle sale was mailed only to the primary applicant and not me, the co applicant. Regardless of the status of the vehicle, they did not provide me with all the documents I have the right to. This has caused my credit score to take a hit for years now because a charge off is being reported to my account for an error on either the dealership or XXXX end, I didn't get the right to amend.
Consumer complaint received 2016-05-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Asset Recovery Solutions, LLC (MN)

I would like a verification and itemization of the debt that I owe to Asset Recovery Solutions for an apartment lease with XXXX XXXX. I dispute a portion of this debt and would like a detailed break-down of what I am being charged.
Consumer complaint received 2022-09-14
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
US DEPT ED XXXXBalance : {$2600.00} US DEPT ED XXXX Balance : {$2900.00} XXXXBalance : {$110.00} XXXX XXXX XXXX : {$0.00} US DEPT ED XXXX : {$1700.00} US DEPT ED XXXX Balance : {$2300.00} XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$64.00} XXXX XXXX : {$0.00} DEPTEDXXXX  XXXX : {$0.00} DEPTEDXXXX XXXXXXXX : {$0.00} DEPTEDXXXX XXXXXXXX : {$0.00} DEPTEDXXXXBalance : {$0.00}
Consumer complaint received 2022-01-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

When the mortgage forbearance ended in XX/XX/XXXX, I applied for a loan modification, from my lender, PHH, in XXXX. I was still struggling to make my mortgage payment. My income was still limited as my income was/is from rental property and the tenants were not working and therefore not able to pay rent. They too were under the moratorium and could not be evicted and replaced. 
I applied for the loan modification to avoid foreclosure. I submitted all the documents PHH requested in a timely manner. I updated documents when they requested. They have repeatedly asked for the same documents such as bank statements, pay stubs, profit and loss statements, over and over again and the ones I have been sending have not expired. On XX/XX/XXXX they told me the modification had been approved and I would receive my modification package in 7-10 days. When I called to inquire about the package, they told me I had to send more documents. This is a systemic practice they have been using to force me into foreclosure. I never get the same Relationship Manager and they all have different stories.
Consumer complaint received 2020-07-21
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: Experian Information Solutions Inc. (FL)

MY NAME AND SOCIAL SECURITY NUMBER WAS USED ON SEVERAL APPLICATIONS WITHOUT MY CONSENT I DID NOT GIVE ANYONE PERMISSION TO USE MY PERSONAL INFORMATION AS A RESULT THERE ARE SEVERAL FRAUDULENT INQUIRES ON MY CREDIT
Consumer complaint received 2020-07-21
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. (FL)

MY NAME AND SOCIAL SECURITY NUMBER WAS USED ON SEVERAL APPLICATIONS WITHOUT MY CONSENT I DID NOT GIVE ANYONE PERMISSION TO USE MY PERSONAL INFORMATION AS A RESULT THERE ARE SEVERAL FRAUDULENT INQUIRES ON MY CREDIT
Consumer complaint received 2019-06-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

To my knowledge, I was never late on my Home Depot credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX which is not true. I have had this credit card since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.
Consumer complaint received 2017-06-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

XXXX  I  have sent the same below to  XXXX   ,   XXXX  via their RESPA address provided online ( attached ). *** I am in receipt of the attached letter stating that my recent payment was returned to you unpaid and a {$25.00} fee was assessed. I would like to know what recent payment you are specifically referring to as the attached pay history reflects my {$1000.00} payment applied on  XXXX / XXXX /   2017  and deducted from my bank account on  XXXX / XXXX /  2017  .  XXXX  erroneously applied a payment on  XXXX / XXXX /   2017  in the amount of {$1000.00} and then reversed the payment. I need this explained as I did not authorize a payment in the amount of {$1000.00} and should not be penalized with the fees of this action.   I called  XXXX , my banking institution, and they have no record of  XXXX  attempting to pull the {$1000.00} out on  XXXX / XXXX /   2017  so why is this being described as a Bank Return? I have spoken to the following representatives at  XXXX  :  XXXX  ID #  XXXX ,  XXXX  ID #  XXXX  and  XXXX  ID #  XXXX  and received a DIFFERENT story each time of whats going on- which paints a pretty clear picture.   On the bottom of the letter, there is a fee total of {$50.00}. Please explain this amount.   Please explain why my  XXXX / XXXX /   2017  statement reflects a {$0.00} fee balance and my  XXXX / XXXX /   2017 statement now reflects a {$70.00} fee balance. The Real Estate Settlement Procedures Act ( RESPA )  1026.41  ( d ) (  1 )  states all fees are to be noted on my statement. The {$70.00} fee on my  XXXX / XXXX /   2017  statement does not add up to the fees provided on the pay history sent to me by  XXXX  ID #  XXXX   (  attached ). Why are the statutory exp. corporate advances assessed on  XXXX / XXXX / 2017 ,  XXXX / XXXX / 2017  (  XXXX  FEES ASSESSED SAME DAY ),  XXXX / XXXX / 2017 , and  XXXX / XXXX /   2017  not reflected on my billing statement? Please provide a complete breakdown of EACH of those fees.     Sincerely,  XXXX   XXXX
Consumer complaint received 2016-10-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Stellar Recovery, Inc. (WV)

Had a contract with XXXX.wasnt happy with service.wanted to go back to XXXX.XXXX said they would pay termination fee, and they did! XXXX said we owed more which we did n't.
Consumer complaint received 2021-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (WA)

My mortgage is serviced by BSI Financial Services. 

I purchased my home in XX/XX/XXXX. The home was very outdated. I had since then added significant value to the home through numerous renovation projects. The home was refinanced to have a lower interest rate in XXXX ( approx. ) XXXX without an appraisal due to high demand in the area. Later the loan was purchased by BSI Financial Services from the original company. 

I contacted BSI Financial Services in XX/XX/XXXX expressing interests in removing the PMI ( Private Mortgage Insurance ) on the mortgage. BSI Financial Services customer support instructed me to get an appraisal and they can then process the request. I found it strange that I had to do this myself since as a general rule, the appraisal should be initiated by the mortgage servicing company. So I called later in XXXX again to double check this process. I again was told that all I need is an appraisal letter. 

So I worked with a local appraisal company to get the property appraised. The LTV ( loan to value ) ratio is indeed less than 78 %, which means the mortgage should be eligible to have PMI removed. 

I contacted BSI Financial Services again early XX/XX/XXXX. I was told to submit a written request with my signature that indicates I would like to remove the PMI on the loan. I did this shortly after the call. 

I had received the 'decision ' letter from BSI Financial Services rejecting the request to remove PMI on the loan. Reason being 'The origination date of your loan is less than two years '. 

As I did my research and read through articles on CFPB, according to the Homeowners Protection Act, the requirement of removing PMI is as bellow : 1. Your request must be in writing. 
2. You must have a good payment history and be current on your payments.

3. Your lender may require you to certify that there are no junior liens ( such as a second mortgage ) on your home.

4. Your lender can also require you to provide evidence ( for example, an appraisal ) that the value of your property hasnt declined below the original value of the home. If the value of your home has decreased below the original value, you may not be able to cancel PMI at this time. 

I can confirm that I have fulfilled all the above requirement. And the 'seasoning ' requirement should not prevent me from removing my PMI based on this article : https : //www.consumerfinance.gov/ask-cfpb/when-can-i-remove-private-mortgage-insurance-pmi-from-my-loan-en-202/ Please let me know if there's anything else I can do to successfully remove the PMI on my mortgage.
Consumer complaint received 2019-06-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

To my knowledge, I was never late on my Bloomingdale credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX which is not true. I have had this credit card since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.
Consumer complaint received 2016-09-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (OR)

Pinnacle Credit Services LLC has reaged the debt to XX/XX/XXXX. The original debt with XXXX XXXX became delinquent approximately XX/XX/XXXX. there has been no payments made or any effort to reaffirm the debt. It has been more than seven years since the first delinquency and should not appear on my credit report.
Consumer complaint received 2018-07-03
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. (NC)

We have a conventional loan on a rental property with XXXX Mortgage and the servicer is XXXX I believe. I have filed a dispute with all three credit reporting agencies as well as XXXX. Transunion says they deleted the item but XXXX refuses to remove it and that is affecting our XXXX and Equifax report. This report caused a line of credit to closed and will affect us for 7 years. We have NEVER had any item reported on our credit nor been late or collected upon. This is a situation where the check was lost in the mail. We were not notified personally by phone ( because XXXX   did not have our correct contact information and you will see documentation verifying our phone numbers have been changed in their system. The notices that we received in the mail we assumed crossed paths with the check ( as many times happens ) since the check had been mailed on time. Once I finally contacted XXXX by phone to find our what was going on ( they never contacted us by phone ). The double payment was made THAT DAY to correct the error and a stop payment placed on the original check, which has never shown up. All of this is documented and we feel unfairly treated due to all of this human error and the fact there was no contact by telephone to alert us of this error.
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (DC)

XXXX XXXX is reporting a default on a previous XXXX 's account. I do not dispute the default, but I am disputing the dates they report the account was opened and defaulted. I issued an inquiry and dispute with Experian and they refused to amend or remove the information from my credit bureaus. The information appears on Experian and XXXX, but does not appear on XXXX. I am trying to purchase a co-op as a first time home owner and the incorrect information is affecting my mortgage interest rate and how much I must provide in terms of down payment. I appreciate your assistance to investigate this further. XXXX XXXX XXXX
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX/XXXX/15 I have disputed this illegal inquiry on my credit report more than a dozen times with Experian. Each time, Experian violates the FCRA and fails to investigate and correct my file. This HARD INQUIRY was not authorized by me, was made without my knowledge or permission, and was NOT FOR A PERMISSIBLE PURPOSE under the FCRA. The Statute requires Experian to delete this hard inquiry in the event it can not substantiate a permissible purpose, of which none exists. 

Yet Experian continue to violate the FCRA overtly, This is wrong, and I formally demand a further reinvestigation into their illegal practices. I can not prove a negative. The burden does not lie upon me. The FCRA was clearly written to protect consumers. How do I prove permission never existed? I can not prove a negative. And yet Experian continues to illegally report this hard inquiry. Under the FCRA, I am entitles to statutory damages of {$1000.00} PER INCIDENT in which Experian does not follow the law. 

Do I really have to sue? Or will the Bureau enforce the law and actually protect consumers? 

This hard inquiry MUST BE DELETED as it was not for a permissible purpose, and not authorized by me. 

I expect the law to be followed and this hard inquiry to be immediately deleted. 

Thank you, XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2018-07-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (SD)

1. On XX/XX/XXXX I reported an unauthorized charge. A merchant stated there would be a XXXX charge for a transaction and charged {$85.00}. I contacted Chase filed a dispute offered proof and was informed to hold on to said proof till necessary. I cooperated with them when contacted. Each time I offered proof and instead of asking that the proof be submitted I was informed that it would be noted in my case. Chase reversed the {$85.00} credit. Chase employees dropped the ball refusing to obtain proof and they take away my {$85.00}. 2. I recently moved from XXXX to XXXX XXXX. Due to the move, there were issues with my check. Today my Chase account is going crazy. It seems that there was an issue with one of my work checks. There was money deducted from my account without my knowledge. I was never alerted of what was going on till this morning. It should be noted that Chase states in their email that the check was returned on today 's date yet, XX/XX/XXXX, after receiving their email and checking my account I noticed that the money was deducted on yesterday 's date, XX/XX/XXXX. The missing money is causing purchases to bounce. Chase is penalizing me for something beyond my control. I am being charged overdraft fees for purchase made with the knowledge that there were insufficient funds in my account. They are charging overdraft and returned check fees for something I was not aware would happen. My account is in a disarray. My next paycheck will be severely affected. I just paid my rent. If I take a hit on my next check there will be XXXX dollars left in my account and as a single parent with XXXX daughters, this would be devastating. Chase is penalizing me for something that is not my
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

XX/XX/XXXX, I looked at my report. I sent a letter to Equifax on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX XXXX XXXXAccount number XXXXXXXX XXXX XXXX XXXX-Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( i*promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681 eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. and according to 15 USC 1681s-2 this is supposed to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii ) the information is, in fact, inaccurate.

Equifax really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case
Consumer complaint received 2020-05-01
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (TX)

Midland Mortgage acquired our mortgage in XXXX of XXXX. We were already in a loan modification process with our previous servicer, XXXX. We immediately started over with that process with Midland. 

In XXXX of XXXX, as part of the loan modification process, we were asked to make a payment to begin finalizing the process. 

We then made three trial payments in XXXX, XXXX and XXXX of XXXX as part of the loan modification process. 

In XX/XX/XXXX, we completed the loan modification process. We have made on-time, regular mortgage payments ever since the loan modification was completed. 

In XX/XX/XXXX, we tried to refinance our mortgage through another lender. The lender said we had four months of 120 days late on mortgage payments on our credit reporting. When we looked at our most recent credit report from XXXX, we saw that the four months reported as late were the months where we paid Midland as requested by the servicer. 

We reached out to Midland to get this corrected. We were told by a supervisor that it was Midland 's policy to report loan modification borrowers as late when those borrowers made the trial payments and fees as requested by Midland. We were told we were " not meeting our contractual obligations '' and therefore Midland would not remove the negative reporting from our credit. 

This is entirely unfair. We followed every step of the process as requested by Midland. We did what we were supposed to do. Now our mortgage servicer wants to punish us for doing the right thing. 

Outside of our personal situation, we are horrified that Midland would do this same thing to the many homeowners who may be struggling due to the COVID-19 pandemic and seeking a loan modification. The choice should not be, follow the process set out by Midland, keep your home but have your credit punished for following those rules, OR lose your home in foreclosure. 

That's what Midland told us. " You didn't have to take the loan modification '' The supervisor set up that stark contrast for us when we asked them to take the negative report off our credit. 
At no point did Midland tell us it would be negatively reporting us to the credit bureaus for following the loan modification process set out by the company.