davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Due to fraudulent activity with my personal information I am having to go through months and months of back and forth with companies that will not comply with the laws. At this point I am absolutely speechless at how I am being treated with my disputes. I have completed a FTC for the issue and submitted a CFPB complaint before. I have given the company plenty of time to contact me with any results but they have failed to do so. According to the Fair Credit Reporting Act, I have completed my portion by completeing the FTC and CFPB, but still this item remains on my account with out proof of a wet signature. I would like this to be my final time trying to get this issue resolved. Remove the account immediately because the company has had plenty of time to recover and provide documentation. The FTC was filed at the end of XX/XX/2021 and the first CFPB was completed in early XXXX, as a result of being ignored, by these same companies. I have rights as a consumer and these companies must respect that.
Consumer complaint received 2021-09-24
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: Experian Information Solutions Inc. (IN)

I submitted a dispute to XXXX XX/XX/2021 ( Confirmation number : XXXX ( Dispute Response Attached ) ) with supporting documents ( Attached Are Billing Statements ) to back my dispute for the investigation and the investigation completed XX/XX/2021. XXXX did not update any information pertaining to the account in question but instead continue to report the account with inaccurate account history information after providing supporting documentation. 

The payment history is incorrect, highest balance reported is incorrect, creditor classification has been change since the dispute completed to show as not being a credit card and it is in fact a credit card with revolving terms, the terms frequency should show as monthly. 

This company claims to report to all 3 major credit bureaus but has only reported to 2 which are Experian and XXXX. I submitted a dispute to Experian XX/XX/2021 about the same issues and Experian deleted the account XX/XX/2021 instead of updating the account information in question because the creditor didnt respond to the open dispute.
Consumer complaint received 2021-09-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The Equifax Credit Bureau is reporting inaccurate information on ( Original Creditor : ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

On XX/XX/2021, I contacted PennyMac ( my mortgage servicer ) to inquire about when my private mortgage insurance ( PMI ) would be AUTOMATICALLY cancelled. I was routed to a Senior Mortgage Specialist who asserted that my PMI would NEVER be automatically cancelled, no matter how long I waited or how many payments I made. If this is true, then PennyMac is in violation of the Homeowners Protection Act. 

During the call, I located my original mortgage paperwork, which specified that the automatic termination date is XX/XX/2021, when my principal balance was originally scheduled to reach 78 % of the property value ( it's actually already reached this threshold, but I understand that doesn't trigger PMI cancellation ). If what the PennyMac representative asserted is true, this also means that they are engaging in unfair and deceptive practices by not honoring the terms of the loan I signed up for. 

The PennyMac representative was extremely rude and condescending. She kept reiterating that I needed to pay for a brokers ' price opinion ( BPO ) to verify the value of my home, which is only true if I want to request cancellation of my PMI BEFORE the scheduled date of automatic cancellation. Despite my attempts to explain to her that I was not asking about cancelling my PMI now or requesting early termination, I only wanted to validate the date of automatic cancellation, she insisted that I was not eligible for automatic cancellation at any point over the life of the loan. She said that " every loan is different, '' and some loans are eligible for automatic termination while others are not. This is generally false, as only a small percentage of loans are not eligible for automatic PMI termination ( FHA loans, those at a high risk of default ) and, when that applies, it is disclosed UP FRONT when the buyer is signing the mortgage. 

The PennyMac representative declined my multiple requests to speak to someone else at the company, because she said they would tell me the same thing as her. Additionally, when I explained that I had spoken with PennyMac representatives several times in the past about automatic termination of PMI, she asserted that this was untrue. I told her that, based on the interaction with her, I plan to refinance and take my business elsewhere. Her response was that PennyMac would probably just " buy your loan back and you'd be back with us anyway. '' These threats and accusations of lying amount to abusive acts on behalf of PennyMac. This representative 's treatment of a customer in good standing is absolutely appalling and unacceptable.
Consumer complaint received 2021-04-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: E*TRADE BANK (CA)

In reference to checking account XXXX, Etrade bank unilaterally returned all the payments to merchants/billers without customer 's consent, between XX/XX/2021 XX/XX/2021 The return of payments is a violation of ACH rules per XXXX  guideline. Merchant banks will be reporting the violations to XXXX for enforcements. 
Return reason code R10 ( Customer Advises Originator is not Known to Receiver and/or Originator is Not Authorized by Receiver to Debit Receivers Account ) was used. 
Consider, the transactions are authorized by the account holder, the funds in the amount of XXXX should be released back to account holde.
Consumer complaint received 2021-09-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (OK)

On XX/XX/XXXX I received a text message. It said " Attention ( My name ) We recently notified you by mail that a lawsuit was to be filed against you regarding your past due account with Check N Go. A case management conference was recently held due to the impact of covid 19. As a result, we are extending you the option to settle your unpaid balance of {$490.00}, out of court for a onetime payment of {$240.00}. This payment will close ( dismiss ) the case against you and your account will be paid in full with a XXXX balance. This payment must be made no later then Monday XX/XX/XXXX. The payment can be made by calling XXXX or online at ( website ) File number # # # # # # #. '' Although there was no company name I did research the number and it came back to the XXXX XXXX XXXX. 

I have disputed this alleged debt in pervious years because it is not mine and other collection agencies have used this same tactic and even broken some of the laws set out by the FTC and the CFPB. This is not my debt yet, when I file a complaint they continue to sell to the next collection agency. I have been told by Check N Go that this debt was from XXXX and the total amount due is {$390.00}. I have never accepted responsibility for this debt. I believe this is past the statue of limitations and they are illegally trying to collect.
Consumer complaint received 2021-09-21
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. (NM)

I have 9 accts that were included in my Chapter XXXX Bankruptcy discharged in XX/XX/2019 that continue to report neg information on my credit report and they are still affecting my ability to get new credit or my current credit! Late payments & neg information is still visible to anyone that pulls my credit when I am applying for new credit. Per bankruptcy laws these accts are to clear all neg info and just report a closed acct included in bankruptcy, but these accts still are! I have disputed these items several times & they still continue to report this neg information. The credit bureaus & the individual companies refuse to correct or remove these neg accts. Pls help me to get these items removed from my credit reports as I have had no luck disputing them myself. I know this is a violation of the Bankruptcy laws & these companies need to be called out on this kind of violation. I can provide proof of this affecting me in a neg way. The bankruptcy will affect me for 7-10 yrs but the law but the accts are to no longer affect my credit. This is a direct violation of this law and now all of these items need to be removed per the law. Pls help enforce this action.
Consumer complaint received 2021-12-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (FL)

Complaint is against Village capital Investments. I keep getting notices that we are being charged late fees for payments that have in fact been received on time. I have it on automatic Bank payments, I spoke to my bank who said they have proof that they have received every payment on time but the company chooses to wait 10 to 13 days to cash the checks, to be able to keep charging us the late fees. When I have called numerous times to get this issue resolved I keep being hung up on or told to call their legal department without being given the phone number then hung up on.
Consumer complaint received 2021-09-21
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: ENCORE CAPITAL GROUP INC. (IL)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Midland Funding LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 6801 ( a ) ( 1 )
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Unauthorized inquiries appeared on my credit report this morning, and I have no idea why theyre there. I check my report frequently, but these unexplained entries came out of nowhere. I refreshed my browser, thinking it might be a glitch, but they didnt disappear. I am incredibly frustrated and urge you to examine the documents I sent, as I want to ensure this is fixed and does not happen again.
Consumer complaint received 2020-11-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I am in XXXX XXXX, Ca and began submitted my loan application on XXXX/XXXX/2020. It is now XX/XX/XXXX about 2.5months later and I am still not closed. They have sent me closing disclosures 5 times and each time there have been errors and it takes weeks each time for them to correct them. Also, keep in mind, your rate is NOT LOCKED and you pay a {$500.00} UP FRONT, NON-REFUNDABLE fee. So you are stuck with them after you submit your application. They did a bait and switch on me after quoting a great rate and terms, the closing docs showed {$1700.00} more in fees. The staff are very courteous and agreed to fix it, but just came back several times with more incorrect docs, stalling the process for weeks each time. The staff seem nice and hardworking, but they are totally disorganized and fail to execute. 

BOTTOM LINE : They are practicing bait and switch, and they will string you along until you give up and accept vastly higher fees or rates.
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

XX/XX/XXXX in review of my complaint The Santander Executive XXXX XXXX sent me a letter on XX/XX/XXXX this is pertaining to XX/XX/XXXX it was not XXXX it was XX/XX/XXXX check number XXXX for {$700.00} posted on my account the balance left was {$57.00}. On the same day check number XXXX for {$800.00} posted to the account and an insufficient fund of {$35.00} was assessed to the account refunded on XX/XX/XXXX. Then on XX/XX/XXXX a sustained overdraft fee of {$35.00} was assessed on my account again! 
My concerns are this I did not have a cell phone this is why I requested alerts only by my email. I explained this to the manager of bank when I made the first complaint. The Santander Rep suggested now that I have a cell phone XX/XX/XXXX I should set up alerts right away so this does not happen again. This was a trick! The bank representative suggested this just so when the complaint was reviewed they would have in writing the account owner set up the alerts on phone after the discrepancy " not before '' and they did! I told her " yes '' I would but this doesn't '' justify '' your error! It doesn't matter if I set alerts on my new phone your branch did not send me an alert by email. Now on her statement she sent me ( like I knew she would ) she says I set up the alerts after XX/XX/XXXX. I did not have a cell phone ( I only use a land line, my daughter suggested a cell ) and the alerts should have continued by email not stop in XXXX!
Consumer complaint received 2022-04-19
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)

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. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2022-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently received a copy of my credit report and found that you are illegally reporting inaccurate noncompliant, and false information about me. The following alleged accounts are listed as a collection with a PAST DUE BALANCE. 

Account Name : XXXX XXXX XXXX, Account Number : XXXX Past Due Balance : {$630.00} Account Name : XXXX  Account Number : XXXX Past Due Balance : {$430.00} Account Name : XXXX XXXX Account Number : XXXX Past Due Balance : {$99.00} Account Name : XXXX XXXX Account Number : XXXX Past Due Balance : {$840.00} Account Name : XXXX XXXX Account Number : XXXX Past Due Balance : {$1000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Past Due Balance : {$450.00} This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLINANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIRST MERCHANTS CORPORATION (IN)

I sold my motorcycle to someone I met through XXXX XXXX on XX/XX/2021. The buyer came from out of town and gave me what he claimed was a cashier 's check, the amount was {$12000.00}. The check says it is from XXXX  XXXX XXXX. I deposited that check the next day on XX/XX/2021 into my checking account at First Merchants Bank. 
I was contacted by a manager at the bank the following Monday, XX/XX/2021, to inform me that the check had bounced due to insufficient funds. My bank said they would try to run it again and they would let me know. I followed up with the bank on Friday, XX/XX/2021, and I was informed that the check had not bounced the second time and that the " higher ups '' had requested the physical check so that they could look into it. I was told that this was a good sign, and that we should know something in a week. I stopped back in on XX/XX/2021. The manager had not heard anything, which he said was also a good sign. So, while I was there, he called the " higher up '' who had requested the check, who told him that everything should be fine ; she said most of these things are figured out within a week. I was told that there should not be a problem. So, I waited a little longer to be sure. 
I returned to the bank on Tuesday, XX/XX/2021, and I was told by a different manager that the check had cleared and that they had collected on it. I asked very explicitly, " Does this mean it is now okay to spend that money? '' I was told yes. So, I used that money for a down payment on a new truck. 
Much to my surprise, I was buying dinner a month later on XX/XX/2021, and my debit card was declined. I checked my checking account, and it was plunged deep into the negative. My account had been charged {$12000.00}. The charge was for a check with an incorrect routing number. The same check that I had been told was cleared and collected on. 
I went to my bank the next day, XX/XX/2021, assuming it was a mistake. I was told that it was not a mistake and that there was nothing that they could do about it. I was told that there was no safety net or protection for this sort of thing. I was told to contact the police, and that there was nothing else that they as the bank could do for me.
Consumer complaint received 2021-09-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I fell behind on my mortgage payments XXXX due to the borrower ( my ex husband ) moving out and filing for divorce. 

Early XXXX I had my leg amputated and am now considered permanently XXXX so I have been unable to work since this time. 

When the borrower moved out, I was unable to maintain the payments on my own. The cost of everything has increased so drastically but my benefits stay the same. 

I applied for a loan modification and was repeatedly told that the documents I submitted were not received and to re-send them. I remember one specific occurrence where a representative said nothing was received and I sent it three times, the next person told me they had everything on file. 

I have time and time again called and submitted the necessary documents for my mortgage company to help me, only to get the run around. 

I applied again for a loan modification on XX/XX/XXXX and was told on XX/XX/XXXX that the investor of my loan is not willing to review another application for assistance at this time due to me not providing what was needed previously. THIS STATEMENT IS A FLAT OUT LIE! 

Time and time again I had my daughter drive me to XXXX so that I could send what was asked of me. The cost to send from XXXX became so much that I invested in my own scanner and printer to save both my daughter and I the headache of going to XXXX every other day. I have on leg and ca n't drive.

I know with certainty that if you pull all phone conversations that I have had with SPS, you will hear the inconsistent communication from their end. You will hear me calling to confirm that they have what I sent only to be told over and over that it wasn't received. 

It is much easier to believe that SPS has no intention of helping me than my 20+ faxes, all showing successfully transmission, don't actually appear for your office. 

In the last two years I have lost my leg and my husband and now SPS wants to leave me homeless.