davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: HILLTOP HOLDINGS, INC (SC)

I requested PMI removal in XX/XX/XXXX. I was denied even though my LTV was 77.4 % due to a pandemic related forbearance payment issue. There was also a comment that 77.4 % LTV was not good enough for early PMI removal. 

I waited until after XX/XX/XXXX, which would be when I no longer had the 'late payment ' within 2 years of my next PMI request. 

I requested PMI removal in XX/XX/XXXX. But now the lender is claiming my LTV is 127.72 %, and that I need to pay them for an appraisal. 

My original loan included additional money to cover needed renovations to make the house habitable. The loan amount had always included this money as part of the original loan, and an appraisal was done that certified that the house was worth the additional amount. But now the bank is doing their PMI calculation based on the 'selling price ' of the house , not the total loan amount ( which is backed by an appraisal, post renovation ). 

It does not help that it seems the only way to contact the lender about this issue is via mail. When I have tried to ask about it via phone their staff have no ability to provide clarity or help. They just refer you to send a letter. 

It seems that the lender, Prime Lending, is creating barriers to prevent their customers from being able to remove PMI early ( even though all the criteria has been met ).
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lockhart, Morris & Montgomery Inc. (OH)

Lockhart, Morris and Montgomery placed a collection on my credit report for a balance due of {$92.00} from XXXX XXXX XXXX XXXX. This company has never reached out to me about this debt. I was actually sent a refund for the account in question, so there isn't anyway I have a balance due. Refund was {$150.00}. It is unfair and damaging for this company do be able to report something on a credit report that is not actually due. Please investigate this. Debt collector would not verify any of my info and said they sent me several letters, although they could not tell me when those letters were sent. 

I work very hard to keep my credit good and up to date, fraudulent instances like this hurt my credit.
Consumer complaint received 2015-11-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Health Services Asset Management, LLC. (WA)

We are inquiring about treatment received from XXXX XXXX XXXX on or about XXXX XXXX, 2011. XXXX sent an unpaid bill to a collection agency, Health Services Asset Management for collection, despite us having verification issues with the debt. 

Health Services Asset Management is telling us they no longer have the itemized statement from the creditor, and can not prove the details of the debt. They can only prove this debt is owed because a dollar amount was turned over by the original creditor. 

We need proof of this debt. We had XXXX insurance companies, so there should not be as large of a balance, especially since the doctor providing service was an in network doctor on both plans, and our deductible had been met. We can not validate this bill based on the information Health Services Asset Management is giving us. 

They have placed this item on our credit reports, and we stand to lose over {$7500.00} in earnest money on a house because of it.
Consumer complaint received 2015-07-21
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (DC)

Ocwen told me for months that they only needed my 2013 tax returns to complete the package for assistance. When I submitted them to Ocwen, they change the requirement to submit a new request. I have submitted a new request with all items needed yet I get emails saying nothing is submitted. Its taken XXXX years or more for Ocwen to provide assistance and they are indeed difficult to help struggling home owners.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I've sent TWO letters to this credit union, and they do nothing. I'm XXXX, XXXX XXXX XXXX XXXX. They continue to say I've made a {$3.00} payment in XXXX of 2022, yet I can't afford my medications. Someone from the homeless shelter is helping me with this. It's over 100 degrees daily, so how long do you think I'll be alive? I'm trying to get XXXX  XXXX XXXX, however, this account shows current with that {$3.00} payment. They need to STOP reporting this and remove it NOW, not weeks from now. Totally unreal and friends are now posting their abuse on XXXX. Social media can be of great help. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-09
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CITIBANK, N.A. (TX)

Letter sent to me pertaining to my DEAD husband 's account. My husband died on XXXX XXXX, 1991 ( almost XXXX yrs. ago ). I believe the account was paid off, but I might be wrong. But I do believe there is a statue of limitations with debt collections. I would consider XXXX yrs. within that limit. Also, it was sent to my current address that has never been associated with my dead husband at all. I am not listed on this account at all.
Consumer complaint received 2015-09-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (WA)

I feel as though I 've been subjected to predatory loans as a result of taking out private student XXXX loans. My loans, nominal in nature, have been regularly paid for the past 10+years, and I have seen little to no reduction in principal balance. I feel as though this was misrepresented to me when I originally signed up for these loans.
Consumer complaint received 2016-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is the final time going to let Bank of America know that I have indeed submitted insurance information and documentation to them. It was submitted via the CFPB in XX/XX/XXXX and it was one of the complaints that BOA simply did n't read ( obviously ) and simply provided a cut and paste response. The consequence to this is that Bank of America is falsely accusing me of not paying my full mortgage, which I have been paying, and plain and simple, Bank of America is wrong, that information/documentation was provided, it 's well documented, Bank of America was just negligent in handling the information ... I 'm writing this message/complaint just as further documentation that Bank of America was provided the information and it is now up to Bank of America to make the many corrections to the account as obviously all balances are incorrect, there should be no fees, the account should be adjusted and returned to where this never occurred ...
Consumer complaint received 2015-09-01
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

The following items were non receipt/unauthorized, though given sufficient evidence and back up, I am still being held for the following charges : Transaction Amount : {$4300.00} Dispute Amount : $ XXXXMerchant/Description : XXXX Dispute ID : XXXX Amount : {$2200.00} Dispute Amount : $ XXXXMerchant/Description : XXXX XXXX XXXX Dispute ID XXXXTransaction Amount : {$4900.00} Dispute Amount : $ XXXXMerchant/Description : XXXX XXXX Dispute ID : XXXX
Consumer complaint received 2021-09-03
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. (OH)

My credit report shows a XXXX XXXX account ending in XXXX with the status " terminated ''. I was removed as an authorized user from this account. It should not be displayed on my credit report and the bank was informed.
Consumer complaint received 2016-05-17
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Neon Newco Corporation (AR)

Hello my story is simple. A female called Netspend ( a debit card ) company and had my card cancelled. Then had a new card sent to her address. Yes she had my personal info saved on her computer. Something I did n't know about. she was able to change security questions, user name, password etc. I was able to prove that was n't me who called. So the card sent to her address was cancelled and I was issued a new one. I did a police report and contacted credit bureau. I need proof she is the one who did it. So I called Netspend to send something anything showing all the notes on my account. They said no can do. So guess what. the lady will not be charged. No she was not able to spend any money but she still stole my identy to have a new card sent to her address. All I want was a print out of my account activity. I could n't get any help. All I got was I 'm sorry. Well I 'm upset just do to the fact that she know she got away with it cause I had no proof. Now she see. Me and smile or laugh in my face. I do not trust any debit card companies any more. I know it 's not their fault but aleast i could have gotten a little help just so she be punished for something. No I 'm not wealthy so I was not able to get a lawyer.
Consumer complaint received 2015-09-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (FL)

I have an auto loan with Santander that is behind, they are trying to repossess it which is understandable but the company they are using is harassing me and threatening me even though I told them I am at work and to not call me on my work phone anymore. They call me everyday multiply times a day. Today there have been at least XXXX calls from XXXX different numbers even though I asked them to stop calling me as I have no agreement with them. I am not sure what to do to make them stop calling me. I have no agreement with these people and even if I did I do not deserve the treatment I am receiving from them. I am thinking of calling the police.
Consumer complaint received 2023-03-30
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Santander Consumer USA Holdings Inc. (OK)

I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings. 
SANTANDER CONSUMER USA XX/XX/XXXX SANTANDER CONSUMER USA XX/XX/XXXX SANTANDER CONSUMER USA XX/XX/XXXX
Consumer complaint received 2016-09-22
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: POPULAR BANK (IL)

I 've opened an account with XXXX. I needed to link an external account to it to transfer the money. Apparently, the external account I 've linked could be used to transfer the money. However, only XXXX external account can be linked to the popular direct account and it can not be removed by the customer. I 've spoken with several CSR 's about this issue, the most recent one was on XXXX/XXXX/16. I spoke with XXXX who told me that the supervisor will call within one hour. No one called. The next day, XXXX/XXXX/16 I spoke with another CSR, who told me that the supervisor, XXXX, will call me back. No one called. I 've been trying to understand what is going on with my account, but no one returns my calls. This is a very poorly run banking institution.
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by EQUIFAX regarding a Charge Off account XX/XX/XXXX# XXXX. This account was charged off in XXXX and closed. 

EQUIFAX violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$1400.00} and a High Balance/Credit of {$1600.00}. A Charge Off/Close Account must show {$0.00} balance. 

2. Delete this account, because it shows a Past Due Amount {$1400.00} and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported consecutively as Charge Off - L in XXXX, XXXX ; XX/XX/XXXX ; XX/XX/XXXXyear ; XX/XX/XXXX year ; Shows {$31.00} Schedule Payment Amount. A Charge Off/Close Account must show NO Payment history, consecutively as L or monthly payments reported on my credit report. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my EQUIFAX Credit Report and circled the violations, EQUIFAX violated in red color. 

EQUIFAX must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2017-10-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (MS)

My daughter and I bought an SUV from XXXX XXXX XXXX used cars. It was financed at the car lot through Credit Acceptance. Near the end of signing loan papers he said Credit Acceptance required GAP insurance to be paid for to cover damages to the vehicle if personal insurance did n't pay enough. Loan could n't be completed without accepting so I signed. It cost {$670.00} extra in financing. Recently I 've heard it 's illegal.
Consumer complaint received 2022-09-06
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: AMERICAN EXPRESS COMPANY (MN)

The following credit inquiries currently listed on my XXXX XXXX credit report is unauthorized, fraudulent, not my credit inquiries : American Express, Date of Inquiry : XX/XX/XXXX, XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX and XXXX Date of Inquiry : XX/XX/XXXX. I did not apply for any credit card or authorize American Express, XXXX XXXX XXXX or XXXX XXXX to pull my XXXX XXXX credit report on those inquiry dates.
Consumer complaint received 2016-07-01
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

XX/XX/XXXX First National Bank acquired XXXX branch offices from XXXX XXXX. As a result of this transaction both our checking account and savings account were automatically transferred to First National Bank on XXXX XXXX. Our mortgage remained with XXXX. 
The XXXX XXXX Bank accounts were established ( XX/XX/XXXX ) as a contingency for receiving a mortgage. One requirement being to have the mortgage payment paid directly from the checking account. The only requirement on the savings account was to maintain a minimum of {$25.00} and all fees were waived. 
At no time were we notified by either bank that this arrangement would change. In fact the mortgage was still automatically being deducted from the new First National checking account. 
On XXXX XXXX we visited our local First National branch to withdraw our balances and to close our accounts. The checking account balance was what we expected but the savings account showed a balance of {$1.00}. I questioned this figure and the teller pulled up the account on her computer screen and explained that the reduced balance was the result of fees and finance charge for the account being inactive. I expressed my displeasure and the bank manager called the branch that was responsible for the account. She spoke with the assistant manager who offered to refund {$10.00} in addition to the {$1.00} balance but no more since we were closing the account. 
As of XXXX XXXX we had not received a statement from First National or any communication about their policy on this savings account. As of this date, XXXX XXXX, XXXX, we have received only a notice of the account being closed. I am expecting to receive an end of quarter statement at the beginning of XXXX which I expect will agree with printout that I received from the teller on XX/XX/XXXX. It showed that the bank deducted {$10.00} " dormant account fee '' on XXXX XXXX. This is a mere 11 days after the account was transferred to First National. This was followed on XXXX XXXX with a {$4.00} " service fee '' and by another {$10.00} " dormant account fee '' on XXXX XXXX. 
This whole thing over {$25.00} may sound petty but First National did the same thing to my daughter and her husband. I suspect that we are n't the only accounts that have been ripped off. This could be a substantial amount of money if they did this with every account that was transferred in the sale.
Consumer complaint received 2019-02-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I leased a XXXX XXXX XXXX from XXXX of XXXX in XX/XX/XXXX. I purchased a Mechanical Protection Plan that provided {$5000.00} worth of insurance for damages to the car. I had called XXXX of XXXX and was told that this should be used at the end of the lease. My lease maturity date was XX/XX/XXXX. In XX/XX/XXXX, I realized that the expiration date to the insurance I had paid for over the past 3 years was expiring XXXX due to a mistake by XXXX of XXXX. Looking back through my paperwork, there were two items I signed for the insurance, one with the wrong expiration date, one with the right. They had messed up the initial form, but never sent the correct one to XXXX. Upon calling XXXX of XXXX in XX/XX/XXXX, they said that I should be okay as I had 60 days after the expiration date to make a claim and I would receive my final bill shortly after turning in the car. However, I had to call Toyota Financial Services multiple times starting in late XX/XX/XXXX and through late XX/XX/XXXX due to not receiving a bill. I finally received a bill today ( there is proof through the XXXX daily email my wife receives indicating what is delivered to our house daily that this was the first thing received from Toyota Financial in the month of XX/XX/XXXX or XX/XX/XXXX ). The due date was XX/XX/XXXX ( yesterday ) and upon calling they claimed that the bill was sent on XX/XX/XXXX and they won't extend my due date. However, I had called countless times in XX/XX/XXXX due to not receiving the initial bill they claimed was mailed to me and they confirmed this was in their notes. The letter I received was dated XX/XX/XXXX and they still refused to update the due date even though I had asked repeatedly for their help with not receiving a bill.
Consumer complaint received 2016-08-20
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO. (KY)

I used checks sent to me in the mail from Chase to conduct a balance transfer from my XXXX XXXX card to my Chase card. Chase almost immediately billed me for the amount and XXXX XXXX says they never received anything from Chase. I have called numerous times and spoke to numerous people on both sides and was told last Friday by Chase that they would " expedite '' it. I still owe {$5700.00} to both cards. Chase will not verify that they sent it to the correct account. Of course Chase has charged me a fee too.