davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

On XX/XX/XXXX I started an online chat with my Mortgage servicer ( Flagstar ) asking about how to remove the PMI from my loan. At that time my LTV ratio was 81.596 %. 
On XX/XX/XXXX I started another online chat with my Mortgage servicer asking more info on options/ways to remove the PMI. One option they indicated was if we had made significant improvements to the property, thereby increasing its value. We had done this, so I submitted the paperwork with full details on all updates we made ( full kitchen remodel and a bathroom remodel, plus an office added ). 
On XX/XX/XXXX I submitted the paperwork to Flagstar via email, per their instructions. 
On XX/XX/XXXX I received a robotic denial letter from Flagstar. In the letter, they indicated my LTV ratio was too low to allow for the PMI removal. They indicated my LTV was 81.3 % - or, exactly my loan balance divided by the original XXXX appraisal value. It was clear that they did NOT even look at or factor in the substantial home improvements we made. We put {$25000.00} in improvements to the property and they ignored this on my request and apparently just did an instant reject. 
On XX/XX/XXXX I wrote a letter attaching all proof of what is listed above ( chats from Flagstar, my original PMI removal request and the updates we did, and their reject letter ). In my letter, I showed them that we put {$25000.00} in updates, and even if we used 100 % of that total, 75 %, 50 % and even only 25 % of the money we put in to fixing it as " added value to the property '', our LTV ratio would indeed be well below 80 %, qualifying us to have the PMI removed. 
I sent this letter via certified mail on XX/XX/XXXX. 
On XX/XX/XXXX I also sent a copy of the certified letter to the email address that assesses the PMI removal requests. 
After a month had passed, I still had not received any reply to my letter. 
On XX/XX/XXXX I sent a follow up email indicating I had received no reply to my certified letter. 
I am submitting this formal complaint, as I feel we have been completely ignored and unfairly denied the PMI removal. Unless I am missing something else here, the mortgage company has been unhelpful, making me jump through hoops and ignoring my requests and letters. I have to continue to take time out of my day to keep following up, or putting evidence together, only to have no replies or answers.
Consumer complaint received 2021-03-26
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: JPMORGAN CHASE & CO. (CA)

Since XXXX we have revoked authorization by sending emails, letters, and personally walked in to XXXX  XXXX ( gym ) to cancel four memberships. The gym has ignored these requests by continuing to charge us. We have submitted unauthorized disputes with Chase Bank to recover the funds. As a last resort we closed our credit card and had the bank reissue a new card. This stopped the charges from XXXX  XXXX. However, starting XX/XX/XXXX - XX/XX/XXXX we started seeing charges ranging from {$2.00} to {$35.00} to charge our credit card. When then starting receiving calls from XXXX XXXX billing department saying we are behind on our membership payment and they need to update the credit card information. This is unfair and deceptive practice since they were calling different members of my family to obtain credit card information. Concurrently we called Chase Bank to dispute the charges. We were dumbfounded to learn that our bank, Chase, had given the merchant, XXXX  XXXX, our new credit card number. The Chase representative said that they had an agreement with certain merchants to provide them with customer 's credit card number! I am disappointed with Chase 's disregard and not protecting customers device ( credit card ) information by giving a merchant our credit card information to charge. Second, the merchants disregard of our varies letters and attempts to cancel services and revoke authorization. This is deceptive unfair practices by Chase and XXXX  XXXX. We are disturbed that a WSUD ( written statement of unauthorized debit ) is disregarded, our personal information shared and overall Chase 's lack of consumer protection!
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A. (IL)

Earlier this year I was added as an authorized user on my familys Citibank Credit card and the report still hasn't shown up on the XXXX  report after nearly 8months
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (OH)

On XX/XX/2020, I filed a complaint against Kia Motor Finance ( KMF ) also doing business as a part of Hyundai Capital America. Please refer to CFPB complaint XXXX. As a resolve to that complaint, I requested the following : " I need KMF to correct the error to my account to show {$0.00} balance, correct any erroneous information reported to the credit bureau ( s ), and send me documentation designating this account has been paid in full along with the title to the vehicle. '' KMF did NOT correct the erroneous information reported to the credit bureau ( s )  which caused my credit score to drop 93 points from XXXX to XXXX. I have filed a dispute with XXXX. However, the onus should be placed on KMF to correct the messes they have created. I should NOT be required to file disputes with all those to whom they have reported erroneous information, especially since I have no idea to whom that may be. I just happened to have the XXXX  account and received notice of the error. 

Please help, again. 

Thank you!
Consumer complaint received 2019-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

On XX/XX/2019, I received a request from Flagstar Bank requesting proof of flood insurance. I provided proof of flood insurance in the the following two ways : + On XX/XX/2019, my insurance agent XXXX XXXX from XXXX XXXX faxed a copy of the proof of flood insurance for my condominiums homeowners association to the fax number provided on the notice. 
+ On XX/XX/2019, I uploaded the same proof of insurance document to the website and received the enclosed confirmation. 

On XX/XX/2019, I received a Second and final notice to provide flood insurance saying that I did not respond to the initial notice. I was surprised to receive this second notice because I provided proof of flood insurance twice on the dates above. 

On XX/XX/2019, I called the customer service number provided on the notice and spoke with XXXX who confirmed that she definitely saw proof of flood insurance on my loan. XXXX verbally confirmed and mentioned that she noted in the loan notes that Flagstar Bank has my proof of flood insurance from XXXX XXXX. She mentioned she would investigate why I got the notice and told me to call back on Tuesday, XX/XX/XXXX. 

Im hesitant to spend any more time on the matter since Ive provided proof of insurance. Im especially concerned because XXXX was not able to send me any email or written confirmation that she had the proof of insurance. In my experience with Flagstar Bank insurance requests in the past, I have called multiple times with proof and the customer service agents tell me that the received proof, but Ill need to call back. When I do, they tell me that they never received the proof and it will take several days to research the matter again. Last year, I spent more than 15 hours trying to get confirmation that Flagstar Bank had received proof of my homeowners insurance. 

I would hate to think that Flagstar Bank is purposefully and intentionally stating that they did not receive the proof of insurance in order to purchase the flood insurance on my behalf and add the purchase to my loan amount. However, after my experience last year and with this second notice, Im inclined to believe that Flagstar Bank has received my proof of insurance, but is intentionally stating that they did not in order to profit from this insurance requirement. 

It's my hope that the error can be remedied quickly. I've also sent Flagstar Bank this same information.
Consumer complaint received 2020-11-28
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: I.C. System, Inc. (IL)

I pulled my consumer credit report and found an inaccurate account listed. I've made several attempts to dispute this negative, erroneous, and unverified account by USPS Registered Mail. I ask that this re-aged account be immediately deleted. This account is hindering my ability to obtain funding, tradelines, and causing me to pay higher interest rates. This violation of the Fair Credit Reporting Act ( FCRA ) should be remedied. This account is also reporting differently on all 3 Major Credit Bureaus. 

ACCOUNT NAME : I C SYSTEM COLLECTIONS
Consumer complaint received 2022-01-06
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: EQUIFAX, INC. (NC)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (GA)

AUDI Finance a subsidiary of VW Credit mishandling of customer account AUDI FS has done damage to my credit that resulted in drastic decrease of my credit score in time when I need to refinance my home. It was done under sketchy circumstances, yet they will still not honor their agreement to help rectify the situation. 

Sequence of events that transpired during this event Below are files that speak to the facts. 

In late XXXX I made a two-month payment on AUDI account, and the following weekend decided to trade up for XXXX. The amount was {$2100.00} paid on XX/XX/XXXX. 
Payoff quote that customers can generate in AUDI Finance portal did not reflect this payment even weeks later. XXXX manager and I worked with the assumption that the payoff is as stated in AUDI portal : {$49000.00} On XX/XX/XXXX the deal with XXXX was finalized, and the manager told me the great news ; as XXXX was working with AUDI on balance, they discovered the pay-off was lower {$47000.00} as reflected in the purchase agreement. Something to the fact that dealer pay-off is typically less than customer pay-off, but the difference above considers with my XXXX payment. 
In mid-XXXX I did receive a check for the difference : {$49000.00} ( AUDI balance ) - {$2100.00} ( my XXXX payment ) = {$47000.00} ( Payoff amount confirmed via dealer payoff ) XXXX contract due to AUDI {$47000.00} ( Trade-in balance on XXXX purchase order ) - {$47000.00} ( paid to AUDI ) = {$100.00} ( overpayment for which I received a check for ) Subsequently AUDI Finance account was closed Between XX/XX/XXXX and XX/XX/XXXX XXXX, XXXX. 
In XX/XX/XXXX and XX/XX/XXXX, I kept getting calls from AUDI about late payment, but considered it to be out of sync systems, and took no action until the late payment was reported to me via mortgage lender, I was negotiating home refinance with. 
Somehow XXXX has reopened my account : Between XX/XX/XXXX and XX/XX/XXXX, your VW CREDIT XXXX automotive account balance increased by {$2100.00} from {$0.00} to {$2100.00}. 
This resulted in even more negative effect on my credit score as the amount I owe increased during the time I was refinancing my home, and the lender of my choice pulled out. 
I reached out to AUDI via AUDI FS portal messaging, then talked to their rep, they told me there was discrepancy in pay off amount and that I need to work with XXXX to provide additional payment and when done they will remove derogatory remarks from my credit report. 
I did all this ; XXXX provided the additional payment AUDI had requested and when I reached out to AUDI again asking for the removal of derogatory remarks, they responded with a canned reply that I should send in a written request to them for rectify the issue. 
I grew tired of dealing with this and decided to pursue other actions to raise awareness of misconduct on AUDI Finance part and what they do to their once loyal customers.
Consumer complaint received 2021-10-05
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. (PA)

I do not recognize the following accounts listed on my credit profile ( accounts ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts do not belong to me! I AM NOT A CREDIT REPAIR COMPANY
Consumer complaint received 2021-10-05
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: FORD MOTOR CREDIT CO. (GA)

On XX/XX/21 while reviewing my consumer report furnished by XXXX, I noticed an unauthorized inquiry initiated by FORD MOTOR CREDIT CORP in which I did not authorize or consent to. 

On XX/XX/21 I sent FORD MOTOR CREDIT CORP a letter in which they received on XX/XX/21 notifying them of the unauthorized credit inquiry in which they initiated that is furnished on my consumer report. In that letter, I notified FORD MOTOR CREDIT CORP that I did not authorize anyone employed by their company to view my personal information, They violated the FCRA 15 USC 1681b ( 2 ), and that FORD MOTOR CREDIT CORP isn't entitled to make the inquiry which is a serious breach of my consumer rights. I also requested that FORD MOTOR CREDIT CORP provide a signed copy of the authorization form that gave them the right to initiate a consumer credit transaction on my behalf. 

On XX/XX/21, I received correspondence from FORD MOTOR CREDIT CORP alleging that they are unable to research the issue. 

On XX/XX/21, I sent FORD MOTOR CREDIT CORP a cease and desist whereas I demanded the following : provide an audit trail, deletion from all consumer reports, validation, provide name, address, and phone number of the original creditor, provide name, address, and phone number of all parties that benefitted from this illegal transaction, cease and rescind the use of my intellectual property, my signature, and return all requested documentation so that I can properly assess the validity of this transaction pursuant 15 USC 1692g.

FORD MOTOR CREDIT CORP has been non compliant to my demands. FORD MOTOR CREDIT CORP has failed to respond or send the requested documents. FORD MOTOR CREDIT CORP is violating my consumer right to validate the debt pursuant 15 USC 1692g.
Consumer complaint received 2022-01-06
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-08-06
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. (NC)

I called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items. 
XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$2600.00} ; XXXX XXXX Balance XXXX {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$0.00}.
Consumer complaint received 2019-10-24
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. (GA)

Equifax and XXXX are reporting incorrectly that I am ( 30 plus ) days late on the XXXX XXXX   partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account with a {$0.00} balance. This incorrect reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have an entry on my credit file which doesn't belong to me with Equifax for a closed account with an actual payment of {$890.00}, opened on XX/XX/XXXX being reported by XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX ( account number XXXX ). I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or XXXX XXXX XXXX XXXX XXXX addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and XXXX  XXXX XXXX XXXX XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CA)

I purchased a drone from amazon on XX/XX/2021 in the amount of {$1400.00} which later was determined to be defective and successfully returned back using the following tracking number they seem to not register within their system that was provided by their system. After Amazon reps have searching and located that tracking number : XXXX they have concluded numerous times they/amazon has received item in their fullfillment center. Synchrony bank continues to deny and state that the item was not returned and receiving communications from amazon that the item was never shipped. Apparently amazons system reflects another tracking number by XXXX which isnt the one they have provided at the time of shipment. It is now been several months and numerous complaints with this agency and severe damage to my credit report and both companies refusing to provide a resolution other than stealing my money, damaging my credit and/or returning the merchandise. Synchrony says amazon has refused the dispute while in the same sentence providing the tracking number I mentioned above proving that it was returned, but Synchrony, denying my claim without investigating that tracking number. Requiring me to keep reopening an investigation that takes 90 days and it is now 5 + months and no end results. Amazon says they refunded the money, synchrony says the disputed with proof that you have returned it successfully while not resolving. I have several complaints against synchrony regarding this same issue and its not being resolved. They keep either falsifying statements with your agency or who ever and closing this case out. This matter has not been resolved. While I keep being told wait some more, wait some more, wait some more and then the case gets ended with unable to help with transaction. This is now criminal and fraudulent no longer an accident or negligence.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Park Hill Holdings (TX)

Hello, there is an eviction from XXXX XXXX XXXX, dated XX/XX/2016, and is filed 2 times in the same month. One is dated XX/XX/2016 and XX/XX/2016. I recently emailed the Property Management for the complex to see if there was a balance owed or left behind and there was not. I was then directed to XXXX where I was told I dont have an open account. Im now looking to move and I keep getting rejected because of the information. Please assist with removing this information as I was never evicted nor do I owe a balance. Thank you. 

XXXX XXXX