davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

I was on a Covid 19 forebearance program for my mortgage starting in XX/XX/XXXX. Basically, over the phone I was told that my principal payments would be deferred, and added to my loan term, therefore extending the life of the loan. During such time, interest and any payments made on my behalf would also be included. I agreed, as it was fair and how many other relief programs were structured at the time. As the months went by, I realized that I could not afford to keep my house due to disability/Covid issues. So I put my house on the market and sold it. Today, at closing ( XX/XX/XXXX ) I discover that Pennymac had received a claim from XXXX for the principle missed during my forbearance period, and now they ( XXXX ) had a lien on the property. At no time under this program, did I understand this to be how it was to be administered. And it certainly wasn't explained to me that way over the phone. Again, I was told that my PRINCIPAL payments would be deferred, and added to the end of my loan term. All interest and other payments were accruing daily, and was understood. When I called Pennymac after this was discovered at closing, I was told that somehow that I agreed to this. Apparently, the wordy paperwork that they sent for me to sign and filled with legalese, had something completely different than the phone call embedded within. Pennymac was made whole by this insurance payment from XXXX, but I did not agree to such an arrangement. Not to mention the assistance provided to them by the Federal government. I did not pull the notion of my payments being added to the end of my loan out of thin air. It is, in fact, what I was told by the Pennymac representative over the phone. And if they record those calls like they say that they do, you will be able to find that out fairly quickly. In conclusion, the total sum subtracted from my closing statement far exceeds the payments and escrow I have missed during these trying times.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (MT)

I was going through the process of having a background check done for a new job. The company responsible ( First Advantage Background Services Corp ) found a case involving ARMED CAR JACKING and one involving ARMED ROBBERY committed in XXXX XXXX XXXX COUNTY, MS in 2017. However, I never committed these crimes nor have I ever even lived in or visited XXXX County, MS . Despite the fact that they have my Social security #, Birthdate, and the entirety of my residency history for the past 8 years they still somehow connected me with these crimes and put it on the report sent to my employers. After I found out about this through email I contacted the company via phone and once I had verified my account the representative I spoke to said the only way to resolve this was to dispute the information through the company. Then said he would start that process with their dispute department after verbally verifying that I disputed the inaccurate information. Finally he asked me to verify some physical characteristics and then gave me an email address to send pictures of my drivers license too. I do not feel comfortable doing that seeing as they can not even handle a simple background check correctly.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: FISERV INC. (NC)

I sent telechek a letter on XX/XX/2023, a hard copy of check. It is now XXXX XXXX, XXXX and no response from telecheck. 
Thanks XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P. (UT)

Southwest Credit Systems is reporting an erroneous debt on my credit file. I recently checked my credit file an noticed this debt. As soon as i saw it i called and paid off the debt. I never received any calls or notices about this debt and wouldn't have known this debt existed if i didnt check my credit file. That is a violation of my 30 day right to dispute. I would like Southwest Credit Systems to remove the collection off of my credit file. It shouldn't have been added as i was not notified about the debt.
Consumer complaint received 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

My loans are being held by Nelnet. I have applied for the SAVE program in XXXX but I never heard anything back. Student aid.gov just says my loan provider will pick my re-payment option, which they havent and I cant see any information about what they picked or if they even picked anything. Its impossible to get through on the phone to this company. They are operating like they are still in the XXXX with millions of lives being affected. A lawsuit should be brought to them. They are a monopoly and are purposely making everything difficult in order to collect late fees and occur more interest. This is predatory and should not be allowed. They are criminals and the fact that the federal government is in bed with them is a shame to this country.
Consumer complaint received 2023-03-23
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. (CT)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-21
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc. (WI)

On XX/XX/22 around XXXX, the XXXX XXXX XXXX told  me my loan was transferred to Aidvantage XXXX I called Aidvantage, and they told me they had no records of my loans in their system. Now I am unable to pay my loans, because Aidvantage says they don ; t have them.
Consumer complaint received 2023-02-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Acrisure Mortgage Partners, LLC (FL)

This is the second time that I have to submit this complaint regarding this matter. 

On XX/XX/XXXX got the notification of the HAF department that I was approved for mortgage assistance for past due payments and an additional 6 months of forward payments. The approval letter has been sent to my mortgage company which is FBC Mortgage. My loan number is XXXX. The amount past due that was sent out to the mortgage company is {$10000.00}. This amount was sent out to FBC Mortgage in XX/XX/XXXX and they still have not posted it on my account. This past due amount was already resolved. I called Florida HAF Department regarding XXXX XXXX payment and they said that payment was sent along with the last due amount. 

I spoke with an agent today at FBC Mortgage and they said that they only got the past due payment which was posted after I submitted the first complaint with the CFPB. Every time I called they said no, that they dont have that payment. FBC has my HAF Approval letter stating amounts and months worth of payments approved. I dont understand how this could be possible. Again, we are on XX/XX/XXXX and they still havent posted my XXXX payment. Its very unfair for them to be holding a check for more than 30 days now and having my loan to accrue more money in interests.
Consumer complaint received 2021-08-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (CA)

Hello, I am filing this complaint against Ally Financial Inc ( doing business in the state of California corporation # XXXX ; Agent of service for Process XXXX XXXX XXXX XXXX  XXXX mailing address XXXX XXXX XXXX XXXX MI XXXX ), for violation of Unfair, Deceptive or Abusive Acts Practices. 

This is regarding an auto lease buyout Ally Financial Account # XXXX, vehicle information XXXX XXXX XXXX XXXX # : XXXX. 

On XX/XX/XXXX, I received a letter regarding terminating the lease and purchasing the above mentioned vehicle from Ally Financial Inc per my request [ attached as XXXX  ]. 

On XX/XX/XXXX, I obtained a certified check from my personal financial institution in the amount of {$39.00}, XXXX. XXXX as required to terminate lease and purchase the above mentioned vehicle [ attached as XXXX ]. Ally Financial Inc processed this check on XX/XX/XXXX [ attached as XXXX ]. Ally Financial finally emailed a buyout packet on XX/XX/XXXX via XXXX, which contained confirmation for purchase of the vehicle, special memorandum of sale and receipt for payment and odometer disclosure statement [ attached as XXXX ]. 

Since XX/XX/XXXX I have been trying to find out how long it will take Ally Financial to mail out the title and I am told to just wait. Finally on XX/XX/XXXX I spoke with a supervisor named XXXX in the Remarketing/Out department attempting to collect more money than I am financially obligated to pay for the above mentioned vehicle and that since my account is being reviewed pending this collection Ally Financial will not release my title. 

Attached to this email is documentation verifying each aspect of this complaint. I have attempted to have Ally Financial Inc to release lien on the vehicle and obtain the title for the vehicle I have purchased.
Consumer complaint received 2022-08-21
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. (SC)

Account Name : XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (CA)

Hello, They called me about the debt and I told them I paid it. They said I did not, I asked for a copy of the debt both verbally and followed up in writing. They did not get back to me for a while. Finally they sent me a collection letter. I requested in writing that I be sent a copy of the bill and proof o non-payment. They sent me the bill, but not the proof of non-payment. I made another request for a copy of the non-payment ( i had paid the debt, and they said it was applied to another month ). They never answered the last letter and reported me to the credit agencies. I have proof I paid the bill, which I attached. I closed the XXXX account the same day I opened the XXXX  account. As you can see I paid my first bill with XXXX and my last bill with XXXX
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Auto is in violation

of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments. Capital One Auto is reporting numerous missed payments on my credit report. Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports states, " If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. '' Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments states, A creditor may not treat a payment on a credit
card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''
Consumer complaint received 2021-07-08
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. (NJ)

On XX/XX/2021, I received a notification through XXXX XXXX ( I use them for credit monitoring ) that there was a new hard inquiry on my Equifax credit report under " XXXX/XXXX  '' dated XX/XX/2021, however I made no such inquiry. I'm not sure if this information is applicable or useful, but I would like to mention that shortly before ( less than an hour earlier ) I received the notification on the new inquiry, I made a purchase in person at a XXXX XXXX location. I have the receipt for my purchase available if this information is deemed relevant to the investigation. I ran additional reports with both XXXX  and XXXX, however this inquiry did not show up, and still does not appear on XXXX  as of XX/XX/2021. I immediately reached out to customer service at XXXX who stated that there was no such inquiry on file in their system under either my full name or SSN. With this information, I filed a dispute with Equifax directly on XX/XX/2021 only to receive information on XX/XX/2021 that the inquiry was factual and would remain on my report. I called XXXX customer service again ( I spoke with agent XXXX in the Fraud Department at XXXX on XX/XX/2021 ) to immediately verify that the inquiry was on file, and they again reported that no such inquiry existed. I also asked if any documentation could be provided stating that there was no such inquiry, but unfortunately they were unable to do so at this time. With that information, I contacted Equifax by phone around XXXX on XX/XX/2021, and representative XXXX verified that the dispute was processed as factual for the inquiry named XXXX/XXXX  dated XX/XX/2021. She directed me to file a report with the FTC for potential fraud to work towards a resolution. I appreciate all of the help both respective teams have provided thus far, and hopefully my account of the situation can move things in the proper direction.
Consumer complaint received 2021-08-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (OH)

My name is XXXX XXXX and I'm looking for some help as I'm in need of help due from XXXX in XX/XX/XXXX and then again in XX/XX/XXXX. Having XXXX twice I was put XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX doctor telling me that XXXX made my XXXX XXXX worse and that I could not longer work due to my XXXX XXXX being unstable and thats why I keep falling. However I had file for ssi and had to do an appeal on XX/XX/XXXX. I have also apply for unemployment for loosing my job in XX/XX/XXXX as my XXXX XXXX XXXXXXXX messed me over. I also applied for XXXX to get help from the state. As we all know theses are a long term of approval and I haven't heard back from anything. I worked at XXXX XXXX which is a decent job, but with the issues I'm facing I'm at risk of loosing my car that I can't make a payment on. If I loose my car I won't be able to get my kids to school. Also I have struggles paying for my water. I had gotten this reference from my housing ppl that I live in their housing. If you could help me in this matter that would be great or have any other references that would be awesome. Thank you XXXX XXXX.
Consumer complaint received 2022-04-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I applied for a SunTrust XXXX HELOC in XX/XX/XXXX via online because of the favorable rates and terms from a promotional mailer I received. In XXXX of XXXX was the closing at a SunTrust Branch. In order to set a closing date I had to verbally approve the terms on the HELOC on a recorded line. During the recording I agreed to draw XXXX at 3.49 % for 10 years fixed. This was on the mailer I received as well. I knew that the first draw was a promotional 3.49 % that had to be a minimum of XXXX for 10 years. The issue of my complain is what I was told my fixed rate would be on " subsequent '' draws of a minimum of XXXX. This is important because I planned to use the funds to build a pool which at the time of the closing in XXXX was not needed for several months. I was told upon asking via the recorded line that my fixed rate for future draws would be 3.99 % as long as it was XXXX and it was for a period up to 15 years. This entire process was done online and over the telephone except for the closing which was at the SunTrust Branch. The banker informed me i was there just to sign and that her role was not to go over the rates and terms of the HELOC because that was done on a recorded line about a week prior. Fast forward to XX/XX/XXXX when I went to a now Truist Branch since they merged soon after closing on the HELOC in XXXX my fixed rate would be prime + 1.99 %. This information was not conveyed to me on the recorded line. I have since reached out to Truist asking for a transcript or copy of the recording and they have refused to provide me this. The recording, I know, will show that what i was told and what I am being offered now is extremely inconsistent.
Consumer complaint received 2022-04-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX  XXXX showing on my credit report. I therefore request that you immediately remove these account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete this item as soon as possible : XXXX XXXX XXXX  XXXX  XXXX Date Opened : XX/XX/21 Balance : {$0.00}
Consumer complaint received 2022-04-27
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. (GA)

I believe the reporting credit bureaus are in violation XXXX XXXX And Trans Union stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I have a credit card through Synchrony Bank. It is a Care Credit Card that allows you to defer medical and certain other purchases. Every month I am forced to call them when I make a payment to make sure it's not allocated to my promotional purchases. This month they really screwed up. I called and specifically asked that my XXXX payment apply only to my current balance to pay it in full. When I checked my account, 2 promotional balances had been paid off and I had a balance of almost {$1300.00}. I called and spoke to a manager named XXXX and told him what I had read in statute XXXX. He stated that their policy was different and this didn't apply to them. He was not going to reallocate the money until I told him that they record all conversations and that the mistake was made by their employee and I would not take no for an answer. Does this statute really not apply to them? It is beyond inconvenient to call every single month and hope that they get it right. Thank you!
Consumer complaint received 2021-08-25
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: SYNCHRONY FINANCIAL (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX Account # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions