davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NY)

Mortgage company is PennyMac. They failed to pay the XXXX, XXXX school tax bill, although it appears they paid the prior and also subsequent school tax bills. I discovered this a few weeks ago when I received notification from the XXXX, NY County Treasurer ( which included a threat of taking my home if this is not paid ). I contacted the school district after I was able to learn that was the unpaid bill ( the County Treasurer letter only indicated there were unpaid taxes ), who were very nice and informed me the XXXX, XXXX bill had not been paid. 

I have contacted PennyMac several times, by phone and through their website messaging center ( for which I log in to my account on the PennyMac website ). The initial written complaint to PennyMac was XXXX/XXXX/XXXX. The most recent attempt to get a result in writing from PennyMac was XXXX/XXXX/XXXX, in writing through their website again. I also called PennyMac today, XXXX/XXXX/XXXX. 

I have, as of a couple of minutes ago, had no response to the XXXX/XXXX/XXXX written message to PennyMac insisting on an immediate response and written resolution. In that same message I indicated I would pursue action through Federal legal AHJ if I did not receive a response and written resolution. 

Since I have not, herein I am initiating action through your Agency vs. PennyMac.
Consumer complaint received 2017-10-11
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: EQUIFAX, INC. (TX)

THIS IS NOT A DISPUTE REQUEST FOR ANY OF THE NAMED ACCOUNTS. 
I DONT WANT TO OPEN ANY NEW DISPUTES! 
THIS IS AN ISSUE WITH THE REPORTING ACCURACY OF EQUIFAX ONLY!!! 

Since XX/XX/XXXX I 've been having problems with Equifax. Since XX/XX/XXXX, I have been going back and forth having accounts, old addresses, inaccurate personal information removed/corrected and/or updated. Now all of a sudden all of things I worked so hard to get removed just magically reappeared with no explanation. 

Every time I call, all I get is more open disputes, which are pointless when such items have already been disputed and solved. All I want is for Equifax is to fix my report back to how it was prior to their breach of security, as the current reporting is hindering me from obtaining a mortgage. Since XX/XX/XXXX I have been disputing, do not open any more disputes. 

Personal Information : My name should read as first and last name only. My only accurate phone number is XXXX. My addresses are XXXX XXXX XXXX # XXXX, XXXX, TX XXXX and XXXX XXXX XXXX , XXXX, TX XXXX. ( full numbers are masked ) My job is only XXXX XXXX only. Any information outside of what I just listed is incorrect and need to be removed immediately. 

Inquiries : Since XX/XX/XXXX the only inquiries should be XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. Anything else is unauthorized and was previously removed but all of a sudden reappeared. 

Accounts 9 account numbers not listed due to security ) : 3 derogatory accounts were previously deleted as the companies had no proof they were my accounts however reappeared last month. These accounts, XXXX XXXX XXXX, XXXX XXXX and XXXX need to be removed immediately. These accounts were originally removed in XX/XX/XXXX/XX/XX/XXXX, I dont understand why they back on now. 

XXXX XXXX accounts should be reporting as paid charge off and was reporting as such in XX/XX/XXXX but now they are not correct or remove the accounts immediately ( see attached documents ) XXXX shouldnt be reporting and wasnt reporting until your breach ( see attached letter ). 

XXXX XXXX, should also be removed as it is a fraud account, and was removed until your breach ( see attached document ). 

XXXX XXXX XXXX XXXX/XXXX XXXX, should and was removed in XX/XX/XXXX, now its reappearing. ( see attached document ) Please correct or remove the reporting of these accounts, as this problem is a reporting problem with equifax not the reporting agencies.
Consumer complaint received 2017-10-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I opened my account with Bank of America, here after referred to as BOA with a {$100.00}. I spoke in length, approx 30-45 min because was very leery about the bank, that I am getting some large checks due to a settlement from my lawyer and want to make sure that they will clear within reasonable time. She told me it would be fine, walked me to the teller and printed out the holds and sates of release. If applicable, i have the printed receipt that i can enclose or forward to you. It was a type A Hold on {$4800.00} until XX/XX/XXXX and a type D Hold untilXX/XX/XXXX for $ XXXX+. That was agreeable because I was to get married on the XX/XX/XXXX and i could pay the caterers, the photogrpher, cake, reception place, etc, plus get ourselves an apartment because we just moved here into south carolina. When I contacted them, they now are holding my money until theXX/XX/XXXX, even though it was from my attorneys office. I cant pay anybody with promises, they demand to see money up front. i tried multiple times to have managers call the risk department and they wont budge. I even told them just give me $ XXXX {$800.00}, and my social security check with is still linked with the bank is more than that and they can hold against my ss check, but not to screw up my wedding, please.
Consumer complaint received 2017-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (CA)

Debt was paid on XX/XX/XXXX I received the closing letter XX/XX/XXXX stating that the account was closed. Today XX/XX/XXXX I received a phone call stating our payment was declined but our bank records show it was paid.
Consumer complaint received 2017-10-11
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)

This is my third attempt to get this resolved. XXXX XXXX continues to leave on my Equifax report a medical debt that is owed by my insurance company, despite my sending a letter to them with this information. 

I have now reached the next stage of having my insurance company pay this debt, despite XXXX continued reporting on my Equifax credit report and Equifax 's refusal to accept that XXXX is providing them with inaccurate information. 

I am attaching the paperwork sent to XXXX XXXX XXXX towards my efforts to get my health insurance company to pay this debt. This should not be reporting on my credit report and I once again demand XXXX cease all attempts to collect a debt that I do not owe and have repeatedly advised is owed by my insurance company. 

In lieu of this information, Equifax must also cease inaccurately reporting I owe this debt. Equifax is the only one of the three credit agencies still reporting this debt as both XXXX and XXXX have accepted all of the previous documentation I 've provided to show this is not my debt. Equifax remains the only company still irresponsibly reporting this wrong information.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I received a copy of my 2017 credit file which is reflecting numerous deficiencies, I have attempted on numerous occasions to resolved these issues with the credit bureau and the creditors. I have asked for supporting documentation '' Proof of late payments '' ; verses hearsay of electric validation from the credit bureau and creditor. I am requesting a re-investigation of the following items listed below ; in additional to removed. These inaccurate data is affecting my credit history and score.
Consumer complaint received 2017-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (AZ)

For over a year I 've been receiving robo-calls, adnauseam from a company that shows up on my caller ID as one of 3 names -- XXXX XXXX XXXX, XXXX or Municipal Services. The calls come 7-days-a-week and will start early morning and go right up to XXXX mst. 

If I answer the call, they hang up. If I do n't and it goes to my voice mail the message will say either to call the number and that it 's not a sales solicitation, etc. Sometimes it will say the call is for someone by the name of " XXXX XXXX ''? I 'm not him, do n't know him, have never met him and have no idea who he is. 

I used to get a message from the Municipal Services robo-call message telling me an arrest warrant would be issued for me if I did n't contact them. That 's actually illegal under the Fair Debt Collection Act to threaten to do something that you have no intention of doing. 

I mailed a cease and desist letter to them at the following address and told them I know of no such person they are trying to contact and I would file a complaint if I received another call from them. I stated in the letter that they may call me one time and one time only, just to verify they received the letter. I just got another robo-call last night on my voice mail.
Consumer complaint received 2017-10-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stallings Financial Group, Inc. (GA)

This is my third attempt to get this resolved. Stallings Financial continues to leave on my XXXX report a medical debt that is owed by my insurance company, despite my sending a letter to them with this information. 

I have now reached the next stage of having my insurance company pay this debt, despite Stallings continued reporting on my credit report. 

I am attaching the paperwork sent to XXXX XXXX XXXX towards my efforts to get my health insurance company to pay this debt. This should not be reporting on my credit report and I once again demand XXXX cease all attempts to collect a debt that I do not owe and have repeatedly advised is owed by my insurance company.
Consumer complaint received 2017-10-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (GA)

On XX/XX/XXXX I initiated a disputed with Convergent asking them to validate the two debts ( XXXX and XXXX ) that they were reporting on my account. I asked for a SIGNED contract between me and their company. As of XX/XX/XXXX I have YET to receive ANY documents that validate the debt. However Convergent has chose to ignore my request and violate my consumer rights by continuing to report their tradeline on my credit report. I sent them the proof they requested via the BBB the following day and they have yet to respond to my BBB proof they requested via my CFPB complaint. They are BEYOND the 30 days allotted by law and I am ready and willing to seek legal action to protect my credit worthiness.
Consumer complaint received 2017-10-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Admin Recovery, LLC (IL)

. months later my home flooded, as did much of the surrounding area that i live in, and insurance would not cover it. I had to stop payments on several things including this furniture acct in order to not lose my home and rebuild three rooms in my home. In XX/XX/XXXX this account went into collections and i set up payments with Admin Recovery to pay this off. the payments came directly out of my checking account each month until this month, XX/XX/XXXX. The reason i stopped payments was due to the balance on the statements. I realized, yes i should have paid attention earlier and did not, the balance every month as on Admin Recovery 's statements is {$2500.00}. The same amount on every statement which is n't even the amount I originally financed. To make matters worse, I checked my credit on XX/XX/XXXX due to being subjected to the XXXX hackng issue, and saw that on my credit report the balance has n't changed either. It states the higher amount there as well and does not reflect any payments at all, even though i have been paying a year now. I called my bank and stopped payments on XX/XX/XXXX. I spoke with a supervisor at Admin Recovery on XX/XX/XXXX and explained all of this to him. I also told him they will not get any more payments automatically drafted from my account and that I am investigating this further before they get anything and that my hope is to just start paying XXXX XXXX again directly. The only comment the supervisor gave me is that i need to do what i need to do and that they will not give me a balance update until the account is paid in full. That is ridiculous! How will I know it if it is paid off, how long i have, what is left? When i originally set up the payments the man on the phone told me it would be paid off in XX/XX/XXXX, at the amount i am paying a month and this inflated amount that would never happen. Something suspicious is going on here. How am i not allowed to know the balance?
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2017-10-11
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 (TX)

The transaction amount that was credited back to my America Express Card was $XXXX making the account a total amount of $XXXX.. XXXX XXXX XXXX. located at XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Ref# XXXX.  This is what's happen now 
XXXX 
To:
XXXX

XXXX XXXX XXXX XXXX XXXX

My name is XXXX XXXX.  On XXXX XXXX I authorized my card for payment to XXXX XXXX XXXX in the amount of$ XXXX on XXXX XXXX XXXX and $XXXX on XXXX XXXX XXXX.  The entire amount was credited back to the account on XXXX XXXX XXXX.  I have the conformation.  I will not wait thirty days for all my money.  I Will give your agency until tomorrow XXXX XXXX XXXX to make my money available to me.  If this has not happened I will contact the CONSUMER FINANCIAL PROTECTION BUREAU.  IF this is not resolved I will start Legal actions.  I will be asking for more than $ 360.00. Someone my call me@ XXXX XXXX XXXX.  I have spoke with three of your Employees XXXX, XXXX, XXXX all with Customers Service/Blue bird.  All has lied.    These people are holding the money that not only belongs to me but a potion that belongs to my Cousin as well.  I refuse to wait fifteen (15) or (30) days for my money.  XXXX has released the funds, so why I have to wait.  When I spoke to one on the Customer Service Person, I was told their office was located in the XXXX.  Theses funds were taken out the same day requested, the funds should be back in my account by now
Consumer complaint received 2017-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TN)

My wife and I closed on a house in XXXX, TN in XX/XX/XXXX. We utilized a conventional loan structure on a loan amount of {$250000.00}. At the time, housing prices in our area were increasing quickly due to tremendous demand. Our lender notified us that, once we had realized a gain of 20 % in equity based upon the increased market value, we would be able to drop PMI. 

Since XX/XX/XXXX, housing prices in our neighborhood have continued to climb at a rapid rate. The XXXX housing market has proven to be one of the hottest in America. We currently pay $ XXXX in PMI, so freeing ourselves of that payment has become a top priority. We have made XXXX payments on the loan and have never been late on a payment. A comparable home sold on our street and, using the price per square foot that it sold for, we would have realized a 20 % gain in equity. I will attach that information, along with other comparable home selling prices, in the attachment portion of this complaint. 

We have added a 16 ' x 20 ' wooden deck to the back of our house. We have also added a 6 ' tall wooden privacy fence around our enormous back yard. 

Once we closed on our home in XX/XX/XXXX, our lender sold our loan to a company called Amerihome.  In earlyXX/XX/XXXX, I reached out to Amerihome to find out how I began the process of dropping PMI from our monthly mortgage payment. The responded with a letter that stated : " PLEASE NOTE THAT WE CAN ONLY CONSIDER THE INCREASED VALUE OF THE PROPERTY DIRECTLY RELATED TO THE IMPROVEMENTS MADE. WE CAN NOT CONSIDER INCREASED VALUE RESULTING FROM MARKET CONDITIONS. '' Amerihome went on to state that, if I wanted to continue with my petition for dropping PMI, I would need to order an appraisal through them. I would need to send a check for {$470.00} directly to their office. 

My complaint stems from wanting to know my rights in this situation. Should Amerihome recognize the increase in market value as realization of equity? If I sold this house right now, I would not entertain any offers below {$33000.00}. Should I be forced to use Amerihome 's appraisal company? One would think it would need to be an unaffiliated appraisal company. 

I have attached below four items : 1 ) The response letter from Amerihome 2 ) A list of comparable homes ( along with selling prices ) that have recently sold in my neighborhood 3 ) A picture of the deck that we added 4 ) a picture of the fence that we added
Consumer complaint received 2017-10-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

On XXXX XXXX, XXXX, I called the customer service mortgage department at XXXX Bank. 
My call was to inquire about a {$14.00} fee that was added to my mortgage in XXXX of XXXX. 
I spoke with a woman named XXXX XXXX, who explained to methat due to my XXXX mortgage payment arriving 30 days late, XXXX Bank needed to send someone out to my home to see if I had abandoned my home. Because of this, I will be responsible for paying a {$14.00} fee. 
She proceeded to tell me that I am lucky to not have XXXX other charges since I am " always late. '' This concerned me because I have only been 30 days late with my mortgage XXXX time in almost 4 years. 
I also feel that XXXX Bank sending someone to " check my property " for signs that " I still live there '' was very intrusive. 
I was called as many 3 times a day in XXXX of XXXX as well as having XXXX letters mailed to regarding the same issue. 
I would like to have the {$14.00} fee removed. I would also like to know if the banking industry has the right to call multiple times, send letters and now come to your residence to spy for " signs of someone living there '' and charge the customer a fee for this?
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my Consumer Reports, I discovered that some information was incorrect in regards to late payments on an account for which I have always paid on time. I have never missed a payment on this account. I have documentation showing that I have made all of my payments on time. Consumer reporting agencies play a critical role in accurately reporting consumer information. It is imperative that thus information be reported with the utmost accuracy. I have never missed a payment on the following account : XXXXXXXX XXXX XXXX XXXXXXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence such as statements demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Consumer complaint received 2017-10-11
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. (NY)

After reviewing my report I noticed several inaccuracies on my report regarding this account. I have made serial attempts to correct the problem with the creditor and credit bureaus. I requested validation of the debt from the Creditor and the Credit Bureaus. Under the FDCPA and FCRA, this information must be validated upon request. I have made several request for validation of all factual data being reported but the Creditor and Credit a Bureaus have not provided the proper validation which violates my consumer rights.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After reviewing my report I noticed several inaccuracies on my report regarding this account. I have made serial attempts to correct the problem with the creditor and credit bureaus. I requested validation of the debt from the Creditor and the Credit Bureaus. Under the FDCPA and FCRA, this information must be validated upon request. I have made several request for validation of all factual data being reported but the Creditor and Credit a Bureaus have not provided the proper validation which violates my consumer rights.
Consumer complaint received 2017-10-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This started with a purchase of my home. In order to be approved for the mortgage, I had to pay off all of my debt. I called XXXX XXXX XXXX, which is through BofA, and was informed my balance and payoff was {$1300.00} and so, I wrote a check out to XXXX and wrote ACCORD AND SATISFACTION and wanted the account closed. Instead, XXXX sends me a new card and then sends me a statement indicating that {$1300.00} was not the payoff amount and that I owed MORE MONEY and now, they are sending me to collections. The Check Number XXXX, dated XX/XX/XXXX was cashed. 

Now, I am receiving correspondence from Bank of America, which is enclosed, account number ending XXXX, Case Number XXXX, indicating they are notifying all Credit Reporting Agencies that my credit is now damaged and depreciated. I had already notified the Credit agencies of this dispute. 

I am attaching the correspondence which is connected to Case Number ID XXXX