davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

An investment property was purchased through XXXX XXXX XXXX   XXXX. In Closing, they provided a document titled " Private Mortgage Insurance Disclosure '' that declares that Automatic Termination of PMI will happen on XX/XX/XXXX ( so long as I was current, which I was ). 

At some point, the loan was sold to Ditech who has been servicing it for several years. Despite numerous calls to Ditech and Ditech even locating this original XXXX XXXX XXXX  document ( and then Ditech requesting me to send a copy to them ), Ditech has repeatedly stated that " since they consider it an investment property, they don't allow PMI to stop until the 50 % mark, which is scheduled to be XX/XX/XXXX. '' That's a changing of the terms under which I got the loan with XXXX XXXX XXXX XXXXXXXX. 

Since XX/XX/XXXX, Ditech has proceeded to illegally collect, keep, and hold {$1800.00} ( to date : XXXX XX/XX/XXXX ) of my money for the purpose of PMI, that was by loan origination with XXXX XXXX XXXX, supposed to automatically terminate. I'd like a refund of this overcollection. I've tried to work through the Ditech Escrow Department several times, and continue to simply get " we consider it investment property, and the PMI will thus be removed on XX/XX/XXXX ''. This is a CHANGE IN LOAN TERMS that I understand to be illegal.
Consumer complaint received 2024-04-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Freedom Mortgage Company (IL)

On XX/XX/year> I sent in all documents required for a loan assumption from divorce. It is a VA loan and I am a veteran. Freedom has verified that they have all of the information and I have let them know about the urgency of this situation. I have called Freedom XXXX times, each time with call lengths of over XXXX XXXX. I have asked for managers to call me back. They will no longer transfer my calls out of the call center. They say I need to wait. I have had two court dates come and go with no resolution bc they wont provide me with information or documents. I have asked for managers to call me back. I have sent emails to the company. Nobody will speak to me.
Consumer complaint received 2023-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EQUIFAX, INC. (CA)

I checked my credit report and found that some of the data were incorrect. Equifax is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 


XXXX XXXX XXXX Balance : {$3700.00}, XXXX XXXX XXXX Balance : {$3400.00}
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have accounts that are not reporting correctly on my credit reportsXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
I have an unverified account from a company I do not recognize the looks like a medical bill account that was paid in full to the service providers XXXX # XXXX this is a violation of HIPPA act and FCRA 609,611 please delete this error.
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Have talked to XXXX they say account shows XXXX sent letter that account closed but web shows XXXX Disputed on line with TransUnion sent letters to XXXX all reporting agencies disputed come back missing payments account past due account was paid in full XX/XX/2020. Wife co owner shows account closed paid in full so not sure why this is happening
Consumer complaint received 2024-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (FL)

I don't recall having a contractual relationship with this collection company GLA COLLECTION CO INC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2022-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

in XXXX of XXXX I disputed inaccurate information being reported on my credit report bXXXX XXXX XXXX I demanded for them to delete it they now owe me multiple violations for {$1000.00} each ...... It is now XXXX of XXXX They still can not prove the alleged payment in XXXX of XXXX I have documented proof on their letterhead stating they never received a payment in XXXX yet it shows that inaccuracy on my credit report
Consumer complaint received 2021-09-05
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I was recently in the hospital for major XXXX on my leg a year ago. I just now have got back to work. I discovered that my credit file has over 72 inquires for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 72 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : XXXX XXXX XXXX, 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, 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
Consumer complaint received 2021-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (IN)

A renewal charge of {$53.00} was placed on my Discover card without my authorization. The renew was for a service that no longer exists. I contacted the merchant, and, as a precaution, I also disputed the charge with Discover. The merchant agreed to refund the charge and sent me a document showing that the refund was made. However, Discover did not give me credit for the refund. I contacted Discover and sent then copies of emails from the merchant, attesting that the charge was not valid and was refunded. However, Discover ignored these emails. I called Discover and talked to XXXX. She did not question the fact that i paid the charge through Discover, nor did she question the validity of the emails from the merchant stating the charge was not valid and should be refunded, nor did she question whether the merchant made the refund. She said the transaction was handled through XXXX, and i would have to contact them. I can not do that because I have no relationship with XXXX, in the context of this transaction. I did not pay XXXX ; I paid Discover. If Discover handled the transaction through XXXX, it was not my choice and out of my hands. My dispute is with Discover, and i have demonstrated it is not a valid charge. I expect Discover to honor the dispute and recover the charge from whatever entity Discover paid.
Consumer complaint received 2021-06-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLIANT CREDIT UNION (WA)

I applied for the loan on XX/XX/2021. To this day, XX/XX/2021, I have not received any definitive response to my application. Throughout these 5-months, numerous requests were made for additional information, even though that information was previously requested and provided. Every one of my requests for a date to conclude this process were met with reference to the " underwriters '' need for clarification and additional information. Last date for the settlement of his loan was XX/XX/2021, set by the Alliant representative. My inquiry on that day was rebuffed by the Loan Processor : " I am still waiting to hear back from the title company, I will be in touch as soon as I hear from them. ''
Consumer complaint received 2020-01-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MI)

In XX/XX/2019 Flagstar Bank issued a home insurance payment from our escrow account to XXXX in the amount of {$320.00}. This company had been cancelled as we were now with XXXX XXXX. Flagstar has admitted they sent the payment to the wrong company and because of the length of time XXXX  is not issuing Flagstar a  refund because the wrong account # was affiliated with our name when submitted. The wrong person 's account was credited and because that person had already paid their policy they received a refund from XXXX. Customer Service at Flagstar let me know that it was being handled as a bad debt and that it would be processed and refunded to us. This started in XX/XX/2019 and is still continuing. Just to add some spice to this whole thing, we sold our house on XX/XX/2019 and had to pay the shortfall in our escrow. The customer service rep I have been working with approached them again and now they are saying the loan is paid off so we see this as finished. I will tell you that this particular agent is working with 5 other customers with the same problem and no accountability from Flagstar. I need this resolved and am very upset that a bank can get away with this kind of behavior. We couldn't have sold our house if we didn't pay the pay off figure given to our Title Co. Please, help us with this unjust and unfair practice.
Consumer complaint received 2023-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (SC)

Helvey & Associates , Inc. is violating my rights under the FDCPA by communicating with me about an alleged debt that I have no knowledge of and am not liable for. I have not signed a contract with Helvey & Associates , Inc. or XXXX XXXX XXXX. I did not provide consent for them to contact me or to furnish information about me to the consumer reporting agencies.
Consumer complaint received 2021-09-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In the middle of XX/XX/2021 it was made known to me through my XXXX credit monitoring the Bank of America had inquired upon my credit. I instantly reached out to Bank of America directly and advise them that I never inquired with them for anything to do with credit. They advised me that they would look into it and I am in the mortgage industry so I know how all this works I said don't look into it remove it it was not a legal inquiry and I need you to remove my credit immediately. That was 60 days ago and it is still showing on my credit report I need you to get involved to make them remove it immediately this is unacceptable
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

I just got approved for a Citibank AAdvantage credit card, and started to use the card as for XXXX for local food purchases & lodging. On XX/XX/XXXX, they had locked my account due to their faulty " early warning fraud detection system ''. The card was never used abroad, online, or used in a manner that would cause the fraud algorithm to lock me out of my account. I have made an attempt to call the fraud department to unlock the card, but they weren't able to unlock my card due to their system not being able to send an SMS verification. They also asked if I had landline, or other phone number for verification, but I never added/attached another phone number to my profile so that was confusing as well too. I asked whether I could have my identity verified at a local branch, but they said not a possibility. They finally said you have to wait for a verification letter with a code that would take 7~10 business days to arrive via USPS mail . I am truly astonished by Citi resorting to this kind of archaic verification method. Mind you I have many other credit cards from other competitors, and they were not nearly incompetent as Citi was. The most annoying/aggravating part is even though the card is locked, I'm still able to use the pay button to pay off the " so called bogus fraudulent '' charges I made, via onlineXXXX  app. One would think if Citi was really trying to protect their customers, they will put a full lock on the card, and not the other way around.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : CREDIT COLLECTION SERVIC Account number : XXXX
Consumer complaint received 2021-09-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have accounts that are not reporting correctly on my credit reports ACIMA CREDITXXXX XXXXL # XXXX, XXXX XXXX # XXXX. I HAVE SOME LATE PAYMENTS REPORTING on my credit report that is stopping me from closing on my home because it dropped my credit score severely. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I wasunder the 1CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.
Consumer complaint received 2019-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Patriot Finance, LLC (GA)

I have a personal loan from Patriot finance. They are incorrectly reporting that my loan is a derogatory status and showing as many days late. We have a payment agreement and I am paying as agreed and my account does not reflect this.
Consumer complaint received 2018-02-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Stewart, Zlimen & Jungers, Attorneys, Ltd. (MN)

Stewart, Zlimen and Jungers LTD have engaged in harassing tactics for going on two years now. They never informed me of my ability to dispute a debt, they sent fake ( ie look like XXXX County Court documents ) to coerce me to pay a debt I dispute, they claim I owe more then the amount and the amount granted by the court, they continually contacted me despite my now three times telling them to CEASE and DESIST and I complied with a court order by XXXX XXXX ( XXXX ) to verify that I the judgement they got against me, with out having me served to the correct address, were not collectable due to my only income being XXXX or other protected assets. 

Despite my third informing them to cease and desist and my filing a past CFPB complaint over the issue and they saying they will not contact me ; I received a letter dated XXXX18 trying to garnish a bank account they have already been informed of as only having XXXX as my income. 

This is a pure attempt at harassment and they are trying to cause fear and distress in making me think they have a court order to seize money they know is already exempt.
Consumer complaint received 2021-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NY)

Transworld communication is pursuing a debt that was originally disputed and removed off my credit report on two different occasions. This company knows the debt is not valid but insisted to still pursue and use unlawful tactics towards me about a debt I haven't accumulated. This debt was originally under Adjustments mercantile collections before it was disputed and resulted to deletion off my credit report for inaccuracy I am a " XXXX '' of my father whom holds the same name. He has used my name in the past for opening accounts fraudulently
Consumer complaint received 2019-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Midwest Recovery Systems (VA)

I received notification that there is a collection reported on my credit reports for a debt that is not mine.I disputed this as not my debt and requested debt validation and received none. On XX/XX/XXXX there was a debt from creditor listed as cashnetusa for XXXX ( upon researching this company it is an online loan company that deposits to your checking account which I did not even have a checking account ) then again this year on XX/XX/XXXX it is reported this time with a different creditor being listed as XXXX XXXX XXXX  for the same amount of XXXX of which this company is not even in my state of Virginia this was reported both times by Midwest Recovery Systems and is fraudulent. I have never been contacted by Midwest Recovery, it was removed last year in XX/XX/XXXX placed again this year on my report but stating a different creditor. I did not have a checking account to have anything deposited to from XXXX and XXXX XXXX XXXX is not even in my state. This is fraud and I request it be removed from my credit report ASAP. Midwest Recovery Systems has been suspended from being accredited from the BBB even though on their website they say they are. with so many complaints similar to mine this looks like another scam by Midwest Recovery.
Consumer complaint received 2018-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP (NM)

We have been trying since XX/XX/XXXX to cancel our PMI. XXXX XXXX requires the loan to value ratio to be 75 % or less if the loan is between 2 and 5 years old. The original appraisal was for {$280000.00} which meant that we reached 75 % in XX/XX/XXXX. We followed instructions to request a BPO and paid {$150.00} for the appraisal fee. Appraisal was done on XX/XX/XXXX and the suggested list price was {$280000.00}. We were were denied PMI cancellation and the reason given was because the new appraisal was less than the original value at the time of purchase. This requirement is not stated anywhere. The only requirement given is 75 % or less loan to value which we have surpassed. As of XX/XX/XXXX, I was told the value of the house is {$280000.00} and our principle loan balance is {$210000.00}. I was told that our loan to value ratio is 84 % which simple math shows is incorrect and customer representative could not explain where this number came from. Customer service told me this was the information they had and they couldn't help me unless I ordered another appraisal or paid {$22000.00} towards our principle.
Consumer complaint received 2022-01-16
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. (NY)

Transunion is in violation of 15 USC 1681 ( a ) ( 4 ) Transunion Infringed upon my consumer right to privacy 15 USC 1681b ( a ) ( 2 ) Transunion had no permissible purpose/no written instruction from the consumer 15 USC 1681a- ( e ) On XX/XX/21 Transunion sent correspondence stating they completed an investigative consumer report. 
Transunion used a third party credit reporting agency to complete an investigative consumer report which according to 15 USC 1681a- ( e ) such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer Transunion also uses XXXX XXXX to investigate public record items. XXXX XXXX was acquired by XXXX XXXX and XXXX XXXX removed the bankruptcy from my record pursuant to the aforementioned reasons, yet Transunion illegally verified the item and continues to report this information. Transunion is not being honest with how they investigate and validate information and has disregarded the information they state they received from their third party vendor, in their letter dated XX/XX/21.