davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

I called PENNYMAC THE FIRST MONTH WE WEREN'T ABLE TO PAY THE MORTGAGE ( XX/XX/XXXX ). Its now ( XX/XX/XXXX ) and still nothing is resolved! I have called PennyMac at least XXXX time trying to resolve this situation. I have never been able to reach point of contact and every letter I get has a different point of contact. Then, I was asked to fill out a Loan Modification packet and I did within a week and submitted. Penny Mac came back with Payment Agreement we couldn't afford. 
XXXX - {$3100.00} XXXX- {$3100.00} XXXX- {$2600.00} XXXX mortgage payment is normally XXXX. This was an impossible amount for us to pay. 

I then called several times trying to explain we couldn't afford the payment and could they ( PennyMac ) how they arrived at that payment seeing our bills and income. But I always got the runaround and no answers. Several calls later I got to the Loam Modification department after arguing with the representative for XXXX minutes. The loan modification got another department on the phone thinking he could explain the situation and get the modification done. She corrected him and said, absolutely not. He then asked me to right a letter explaining I couldn't afford the repayment agreement. Several weeks later the repayment agreement was removed from my online account. 

A couple week later I still didn't hear anything and starting searching for other options. I found a HUD Approved Counselor. We called PennyMac to find what was the next step in the Loss Migration. There was a lot of back and fourth but not real answers. Two days later I received certified mail asking to contact PennyMac to arrange a payment plan or sell.

1 ) Repayment Agreement/ Couldn't Afford.

2 ) Special Forbearance Agreement 3 ) Loan Modification Plan 4 ) Pre-Foreclosure or Short Sale 5 ) Deed in lieu of Foreclosure My HUD Approved counselor ( XXXX XXXX XXXX suggested I fill out another packet. So, XXXX days later I did. Now were XXXX weeks into this process and still no answers. My HUD Approved Counselor suggest that I fill out a complaint.

Now we have received a letter titled Notice of Default and intent to Accelerate. The letter is requesting {$5300.00} to be paid by ( XX/XX/XXXX ) OR THE SITUATION XXXX BE ACCELERATED. Then, The next paragraph talks about ( Consumer Assistance programs ). I've been trying to get assistance for 4 months now.

A couple other questions : 1 ) PennyMac is negatively affecting my credit by taking as long as they possibly can to resolve this issue.

2 ) Why is someone coming to my house questioning my children and then taking a photo of one of them to prove they stopped by my house. Sent current water bill as requested to prove we are still living here.

3 ) My HUD Approved Counselor expressed concerns with PennyMac 's ethics and following Loss Migration Laws!
Consumer complaint received 2022-07-29
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for an purpose.

I was admitted to the hospital XX/XX/2021 and fell behind on all bills there was nothing i could could do.
Consumer complaint received 2022-07-06
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: General Motors Financial Company, Inc. (TN)

GM FINANCIAL Inquiry : XX/XX/2022 XXXX XXXXXXXX Inquiry : XX/XX/2022 XXXX - XXXXXXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX
Consumer complaint received 2022-07-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

A fraudulent pending charge of {$440.00} to XXXX XXXX was noticed on XX/XX/2022. This is the second time this happened in 2 months. I called Bank of America to report the fraud and was told that when the charge moved from pending to posted, I would be issued a temporary credit of {$440.00} while it was being investigated. On XX/XX/2022, the charge posted to my account but no credit was given for the {$440.00}. I have called every day since XX/XX/XXXX to inquire as to why the fraudulent charge remains, but, after being on hold waiting for a representative, for minimally 35-45 minutes, I get transferred from one department to another, placed on another 45 minute hold, only to be disconnected. This has happened repeatedly. The computer that answers the phone does not give me an option for existing claim, only to report fraud. When someone finally does answer, Im told I need to speak to someone in existing claims. Im transferred again and am disconnected. I received a letter from Bank Of America XXXX XX/XX/XXXX, stating that the charge didnt go through after pending, but my credit card statement shows that it posted and has not been reversed. I dont have the time to sit on hold, waiting to see if a person will pick up and then be disconnected. In the meantime, they sent me a new card but I have not activated it. I need to have someone intervene on my behalf- please.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (GA)

Made payment XX/XX/22 of {$73.00} by check. Payment processed by our bank at {$73.00}. Payment was never credited at receiving bank. Paid {$1.00} to agent at receiving bank to make the account have a XXXX balance. Made duplicate payment to agent of receiving bank of {$73.00} which was credited to our account by receiving bank. This was a duplicate payment to avoid paying interest. Faxed the receiving bank a copy of front and back of credit card and front and back of original check. Case # of dispute is XXXX. Claim # is XXXX. They have investigated and investigated and are still stalling.
Consumer complaint received 2022-06-28
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # 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 XXXX XXXX # XXXX 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 a account without my written instructions
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MS)

I've been trying for days to pay my Comenity BJ 's XXXX. Their website says they are doing a maintenance update, so not able to login. When you call them there is recording saying they can't assess your account information and their offices are temporarily closed.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NY)

Comenity Bank : BJ 's Perks MasterCard has experience total failure of their website for approximately 1 week. A message originally appeared that they were going through planned upgrades and the site would be back up soon. This message lasted for approximately 4 days, and has now been replaced with a message that the upgrade is taking longer than expected. This message has now been up for three days. I have contacted their customer service #, but they will only report that account services online will be available soon. A consumer is prevented from utilizing any services online, checking balance, accessing a statement, fraud prevention, management of benefits, or even payments online. I have never experienced a delay more than an hour in any other credit card, and this is now going on for over 1 week.
Consumer complaint received 2022-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

I requested services from XXXX on XXXX of last year since it was my first time moving from my parents. I call to request service to the address XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX. I can confirm this because a representative from XXXX did me the favor to listen to the call when I requested services and she confirmed that is the address I gave them. After a couple of months I started receiving due bills from XXXX from a address which I dont have any type of connection. I ask XXXX to investigate this and they decided that the account is legitimate. They never told me of the results of the investigation and they just sent the account to collection for {$830.00}. I dont know it this is identity theft. But it is a big coincidence that services started at that address the same time I requested services to my real address which I have to call again to activate services since they were not activated which makes me think it was an internal mistake from XXXX XXXX.
Consumer complaint received 2022-06-28
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. (GA)

In accordance with the Fair Credit Reporting act Hard Inquires Listed below, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXXL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (NJ)

My Comenity Ulta Rewards credit card was declined on Sunday night. I was not able to log into my account due to a glitch. It was declined again on Monday. I called but was unable to reach a representative because of the office being closed. A message about routine maintenance taking longer than usual appeared online but was not there originally. As of Tuesday morning, I still can not access my account and my card is still being declined.
Consumer complaint received 2022-07-06
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: AMERICAN EXPRESS COMPANY (NY)

I paid for delivers with my American Express Card and the items was damage once I filed a claim with the carriers they fraudulent over charge my America Express card. I file a complaint with America Express for both charges {$440.00} on XX/XX/2022 and {$110.00} XXXX for a total of {$560.00}. I have evidence for the of their bait and switch to falsify the additional charge. 

On XX/XX/2022, I hired XXXX to retrieve a pallet of " kitchen cabinets '' I purchased at XXXX XXXX XXXX XXXX in Pennsylvania for {$440.00}. On Thursday, XX/XX/2022, XXXX XXXX driver collected the package with and estimate delivery of Friday, XXXX XXXX ; however the pallet arrived 1 week later Friday, XX/XX/2022, at approximately XXXX damaged. I was not available to inspect or retrieve the package due to no prior arrangements or delivery confirmation. Upon inspecting the pallet approximately XXXX that even the knobs and gears damage and ignition coil bended. I contacted XXXX via telephone for issues sent as per the packaging split instructions. After 2 months of no reply XX/XX/2022 XXXX XXXX during via telephone communication stated they are not responsible for my damage claim because I did not purchase the additional insurance with them and to contact XXXX XXXX at XXXX XXXX  XXXX to file a claim ( {$1800.00} damage claim ) Prior to XX/XX/2022 neither companies acknowledge or addressed my claim ; but on XXXX XXXX I received an email from XXXX XXXX stating XXXX XXXX ( assuming retaliation to my claim ) is requesting and additional {$110.00} for change of weight class. Original weight class XXXX XXXX XXXX submitted an invoice stating after during the transport the measurements was completely different changing the shipping weight to class XXXX. 
I immediately contacted XXXX with denied XXXX XXXX and XXXX XXXX claim that the pallet weight and measurements were different then on the Bill Of Lading ( I have fully email of the accuracy of the weight and measurements being Dimensions : L 61.0in x W 40.0in x H 24.0in weight class 125. 
XXXX XXXX refuse to honor my claim for damages and refund the additional payment of {$160.00} ; stating XXXX XXXX supplied them with the attached information to be paid. 
These companies have no integrity.
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (TN)

We received a letter in XXXX of XXXX stating that Suntrust Bank was closing all of our accounts - checking, savings, and credit card. 

We had about XXXX weeks to move our money to another bank, and lost access to the online banking. 

Our credit cards were shut off, and did not work. We made sure that the credit card had been fully paid off as well. We had no access to verify anything, and the credit card has been reporting as " closed '' with a {$0.00} balance since XXXX  on our credit reports. 

Since Truist bank took over, they are reporting we have over an {$8000.00} balance on the credit card, and collectors continue to call. How is this possible when our cards were shut off, we had no access, and all of our accounts ( including credit cards ) were closed? We can even see on our checking statements where we paid off the credit card XXXX final time. 

Why was this shown as closed and paid off for {$0.00} for YEARS, and now that Truist has been 'created ', this has popped up? 

XXXX has a horrendous phone call system - often with 2+ hour waits, and it is impossible to get in touch with anyone there.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (GA)

I paid a portion of my bill in XXXX XXXX and XXXX paid the reminder of the loan in full on XXXX XXXX and my account was still reported as 30days late during that process I get 15days to be consider late and my account shouldnt been consider 30days after my due day which is the 16th of every month
Consumer complaint received 2022-06-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (NC)

For over a year now Ive been asking the Truist Financial Corporation why the bank is not using Two Factor Authentication ( 2FA, ) for access their Web Online services. After repeated inquiries for an answer the Banks IT security department has ignored my requests. My hope was that this security feature would have been implemented as part of the merger with BB & T in XXXX however it was not!! I don't believe Truist taking its customers online security seriously and would like the bank to step up and enact the 2FA for Web Online Access to their services. Left frustrated with the Banks lack of concern for its Web Online customers Im requesting the Federal Financial Institutions Examination Council ( FFIEC ) investigate the Truist Financial Corporations Online Authentication and Access Risk Management policies. If the management of all the banks security policies ( especially Web Access ) are found to be inadequate, I would like to see the Consumer Financial Protection Bureau ( CFPB ) take immediately action to have Bank address them in a timely manner Thank you for your consideration
Consumer complaint received 2022-08-22
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. (AZ)

In accordance with the Fair Credit Reporting act 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 602 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Without my consent XXXX XXXX sent my name, address, & wrong loan current balance information of {$16000.00} to the Credit reporting Institutes. On their website is a different total balance of XXXX. Reporting wrong information and not validating the debt is a violation under the FCRA 15 U.S.C. 1681-1681x 15 USC 1681c By Law this supposed to be investigated and I found inaccuracies.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To Whom It May Concern : I recently reiewed my credit report provided by your organization, and I am shocked to find several inconsistencies that are damaging my good name.. I expect this letter to promply resolve the pointed data which is reporting inaccurate. I am aware your job is to maintain accurate records of all my credit accounts.

Please review the following accounts : Account Name XXXX XXXX XXXX  I am aware Section 609 requires you to have verifiable proof of this account belonging to me. Please send me a document with my signature otherwirse delete this account from my credit report.

After you have finished my request, send me a copy of my credit report reflecting these changes. 

XXXX XXXX
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (CA)

Without my consent Credit Acceptance sent my name, address, & wrong loan current balance information of {$16000.00} to the Credit reporting Institutes. On their website is a different total balance of XXXX. Reporting wrong information and not validating the debt is a violation under the FCRA 15 U.S.C. 1681-1681x 15 USC 1681c By Law this supposed to be investigated and I found inaccuracies.
Consumer complaint received 2022-03-04
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. (FL)

hey, i am XXXX XXXX and I am writing to delete the following information in my file. The items i need deleted are listed below i am vitim of identity theft and did not make these charges on these account. I ask these items to be deleted and my credit report corrected. I authorize to check my credit report and remove all fraudulent accounts aand inquires. Please HELP ME AS ASAP AS THIS IS AN ONGOING ISSUE AND EFFECTING ME NEGATIVELY and you guys are my last line of defense. Fradulent collections XXXX XXXX XXXXXXXX XXXXXXXX XXXX account # XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquires Inquiry name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask that the items 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.