davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-20
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

XXXX / Citizens Bank, N.A. adds fees for additional insurance to my mortgage year after year. Year after year I 've requested the additional insurance removed, completed all required forms and submitted all requested information. I had been advised the insurance would be removed when calling after confirming I met all their requirements in prior years, but the insurance was not removed. This year a law firm has become involved, I 've made XXXX attempts to submit the forms, only to be told today that the address that Citizens Bank provided was incorrect. I am now being asked to complete and resubmit forms a XXXX time. The additional cost of the insurance is significant each year, and with the FEMA flood insurance increases in addition to our own personal home owners insurance that is required seems excessive. Each year I have gone through this process of sending forms after forms, then call after call I usually get told it will be removed, but never has been. I do n't feel that their practices are appropriate, their process is nearly impossible especially for someone working full-time and I feel their information is deceptive. This additional insurance requirement was added later after loan origination, disclosures sent, but again obviously they do n't want to enable a consumer to remove or reduce this added insurance no matter how much additional coverage the homeowner has on the personal policy.
Consumer complaint received 2015-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am currently experiencing extreme difficulty with the credit bureaus. XXXX, XXXX, and Transunion are all reporting my XXXX Accounts as a revolving debt. The definition of revolving debt is- Revolving debt is debt that typically has a variable interest rate, an open-ended term and payments that are based on a percentage of the balance. Revolving debt has a pre-determined limit, agreed upon by the lender and borrower. 
Revolving debt is the kind of debt that credit cards offer and is usually an easy way to get credit. It can be a useful tool when used with discipline. This is damaging my score and affecting my lively hood. My revolving accounts such as XXXX XXXX Credit Card, XXXX, and XXXX XXXX are all in good standing. I have been paying about XXXX-XXXX % of my balance charged every single month. My credit score should be much high than it is. The credit reporting agencies are in direct violation of The Fair Credit Reporting Act where it states, '' Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate ''. XXXX account number XXXX, XXXX and XXXX should be reporting as UTILITY not revolving. XXXX acct number XXXX should have a XXXX balance and account number XXXX should have a balance of {$160.00} not {$380.00} reported. Due to the erroneous reporting since XXXX 2014, my credit score has suffered tremendously. Revolving accounts reporting as past due or late can damage a consumer 's credit report and in this case I have suffered severely.
Consumer complaint received 2015-04-09
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (ID)

I am attaching a " spam/malware/bogus email '' I received. I am NOT a credit card holder, I am NOT an American Express customer. And, of course, I did NOT open/ download the email attachment. 

email : '' Dear American Express customer, We have recently detected that a different computer user has attempted gaining access to your online account and multiple passwords were attempted with your user ID. 
Hence it is necessary to re-confirm your account information and complete a profile update. 
You can do this by downloading the attached file and updating the neccessary fields. 
Note : If this process is not completed within XXXX we will be forced tosuspend your account online access as it may have been used for fraudulentpurposes. 
Completion of this update will avoid any possible problems with your account. 
Thank you for being a valued customer. 
( XXXX ) American Express Customer Service 2015. 
Dear American Express customer, attachment Verification FormXXXX ''
Consumer complaint received 2015-05-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

-- -- -- -- -- Forwarded message -- -- -- -- -- From : " XXXX XXXX '' & lt ; XXXXXXXXXXXX & gt ; Date : XXXX XXXX, 2015 XXXX XXXXSubject : To : & lt ; XXXXXXXXXXXX & gt ; Cc : On attempt to file tax forms with taxslayer a site recommended by irs. When try to pay for state XXXX with my cap one ccard it gave me a pop up Action not complete check information so I did, retry upon seeing all my info correct XXXX..on XXXX attempt gave me error msg a code XXXX? And taxslayer number. I called they closed Date XXXX XXXX. I was curious so I ckecked my cap one mobile app there Showed XXXX pending for XXXX from taxslayer. Called taxslayer try automated system to see if taxes were Filed. NO NOT FILED! Call my ccard company sd all my info is correct and will call taxslayer tomm with me online And get charges removed. XXXX XXXX I call XXXX rep at taxslayer and she was unable to help refused talk to ccard company she suggest that to push XXXX charge threw and rest will fall off 3to5 days if not I responsible to submit bank statements. .I told rep do not push any charge threw for tax not filed .At this point I ask for management. Talk to XXXX she refused talk to ccard company was rude about it and suggest same thing to force a charge and the other XXXX pending will fall of XXXX at this point I told her NOT to push anything threw I will use a different company and ended conversation with no resolution for me. I immediately sent email to taxslayer support to speak to upper management I was upset about the way XXXX conducted business. Later I was contacted by XXXX upper management and I told her the situation at this point she advised me that XXXX charge had been pushed threw intentionally for XXXX by XXXX. Thats when things turn for the worst, I advise her to listen to call and that the charge was unauthorized and in spite or harassment from XXXX she agreed to listen and call back. Charge was made but tax not filed it about there bottom line!! XXXX XXXX XXXX call Claims that it was not clear about forcing charge and she apologized about XXXX rudeness and said that she sorry that XXXX refused my ccard company. XXXX did get XXXX of charges removed on conference with my ccard company but will have to refund the forced charge. I could not believe that upper management was covering for management. I am seeking Other party at company to review call and they will hear that I clearly said not to force any charge! XXXX and XXXX have broke XXXX serious violations and the call needs to be reviewed by the owner XXXX. I have been advised to seek a answer from XXXX XXXX XXXX to the audit of phone call and results thanks XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Credence Resource Management, LLC (PA)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Pennsylvania Laws Dear CREDENCE RESOURCE XXXX, I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically the Pennsylvania Consolidated Statutes Title 18, Section 4120 ( Identity Theft ). 

It has unequivocally come to my attention that CREDENCE RESOURCE XXXX has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Pennsylvanias identity theft statute, Title 18, Section 4120, criminalizes the unauthorized use of personal identifying information, including its use in fraudulent credit reporting activities. This statute provides strong protections to consumers, and any unauthorized reporting to credit bureaus without explicit consent is in direct violation of my rights. 

I assert with unwavering certainty that I have not provided consent for CREDENCE RESOURCE XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CREDENCE RESOURCE XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Pennsylvanias identity theft law. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Pennsylvanias identity theft laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CREDENCE RESOURCE XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2015-04-11
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CarMax, Inc. (TX)

I was not informed in writing regarding a possible charge off for bad debt nor given the chance to rectify the situation which I could have done. I have been paying on the car loan for four months not knowing it had been charged off. When I attempted to contact the company for past due amount and payoff quote I was denied the information. I was also harassed and threatened by a collection agency and she did n't provide me with a name of the agency or information on her call until she started calling around to people I know, which I am not sure how she got those numbers. I attempted to come to an arrangement with her but she threatened me and told me that she does n't have any information for me. I also filed a detailed report with the XXXX and with the FTC.
Consumer complaint received 2015-08-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (LA)

My loan was sold to PennyMac for servicing in XXXX 2015. Following the sale, my homeowners and flood insurance payments were due on XXXX XXXX. The insurance payments were not paid timely. I received a phone call from the insurance company notifying me on the due date that if I did n't make payment by midnight for my homeowners policy, it would expire. I had to pay it on my credit card in order to be assured that I would be covered. A week later I called to see if the homeowners had been paid so that I could be refunded for the payment I had to make to keep my coverage. At that time, Pennymac casually informed me that my flood insurance payment had not been made either because they did n't get an invoice. If I had n't called, I would have not known that I was not covered. I again had to come out of pocket to pay the flood insurance in order to ensure coverage. Pennymac says they have made payment to my insurance company for the homeowners premium ; however, the insurance company has not received the payment and I have not been reimbursed. The flood insurance has yet to be paid and I can not get an answer from anyone at Pennymac on the status. I have had to spend an incredible amount of time trying to get this resolved to no avail. I have been put on hold, transferred, treated with disrespect and can get no answers on this matter from Pennymac. I feel as though they have been withholding my money but not remitting it for the purpose intended. This does not seem legal. They have a fiduciary duty to use the funds withheld for the purposes intended. I have had to overextend my budget in order to insure coverage. I have no confidence that my taxes will be paid timely or assurance that I wo n't be faced with this issue again next year. I would appreciate any help in getting this matter resolved.
Consumer complaint received 2015-11-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

Me like XXXX students that graduated from XXXX XXXX University located at XXXX XXXX FL is suffering the enourmous consequences of the student private loan nightmare. I graduated in 2008 XXXX and I was never able to get a Job on the field. The school promissed to help students get a Job with promising leads, leads that I never got, I have called many times to the so called XXXX XXXX department to get leads and the only leads I received y any, were internships. My question is how are you supposed to pay {$120000.00} on an internship. The worst thing is that Private Student Loans will not give you a break or come to an agreement, all they need is you to pay a monthly payment that is so high and unrealistic how can someone on XXXX dollar an hour job pay {$1000.00} a month on private loans. Please help I am desperate and tired of receiving collection calls on behalf of Salie Mae
Consumer complaint received 2015-08-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

For more than one year I have been trying to get my private student loans " holder '' XXXX, now current Know as " Navient '', to reduce payments on my account. I tried asking them to allow a reasonable payment, due to other federal loans in which I have to pay. I thought all was well with the agreement, based off what the representative told me was reasonable, and so the XXXX payment was made. I later received a call, requesting a larger payment on the account than what I can afford. Not being able to come to a reasonable agreement with the managers or supervisors of " Navient '', XXXX, has lead me to become in default with making payments. They refused to accepts the payments on the agreement that was made. I know I have debt collectors calling me at all hours of the day and evening demanding payoff 's that I can not afford. They collectors advised me to ask friends and family for and large amount of money that he clearly stated he knew I could not afford. I asked him why would he ask me if he clearly knew I did n't have this kind of money and he changed the subject. He reverted the subject back to the contract and terms of repayment. I kept asking him if monthly payments was an options until we both got frustrated. I really do not know what to do and need some assistance. I really do not understand how a resolution can come about, if both parties can not come to a reasonable agreement. I tried explaining my financial situations, health issues I encounter and so forth, but there was no compassion or empathy to try and come up with a fair and reasonable solution.
Consumer complaint received 2015-04-10
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

OCWEN mortgage company escrow, did n't pay home owners insurance, thus insurance was cancelled, i called the mortgage company several times, rep said check sent to wrong address for insurance and the check would be resubmitted, check has not been received, called OCWEN mortgage co, still receiving run around, i still with out home owners ins and ins company stated possible increase on policy, because of cancelation, this has been going on for about XXXX weeks and still no resolve, i live in a XXXX area, i a XXXX XXXX, i need help as i 've spend hrs on the phone, getting the run around from OCWEN, i think thier service reps or located in XXXX
Consumer complaint received 2015-08-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (TN)

My wife and I was paying our monthly mortgage payment to Seterus, Seterus stopped accepting our mortgage payments. We requested a mortgage modification with Seterus mortgage XX/XX/XXXX and on XXXX other times, they have refused to work with us. Seterus has taken our money and they have set several property foreclosure sale dates. We are still in the property and want to keep our home. The Making Home Affordable Modification Law is suppose to help people like me. I spoke with Seterus Foreclosure Attorney XXXX XXXX he said to me and my wife he was going to take my house and he and the mortgage company Seterus was not going to let me keep my house. There is a property foreclosure sale date set for XX/XX/XXXX. A thirty day notice was to be sent to me and my wife that is required by Tennessee Law I did not receive a 30 day notice. It is a Class C misdemeanor not to give a 30 day notice per XXXX Tennessee XXXX. 
Please help me to keep my home. Thank You
Consumer complaint received 2015-08-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Your Credit ReportYour credit report contains information from lenders that have extended you credit. This can include your home mortgage loan, department store charge cards, bank charge cards, auto loan, and more. It also includes your payment history and shows when you 've paid on time or been late. Please check your report below and look for accounts you do n't recognize, strange addresses and recent credit inquiries to make sure all information is accurate. If there 's an inaccuracy, look to the Quick Facts section on the right and see how to file a dispute. 

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Consumer complaint received 2015-03-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (MI)

I opened a checking account with First Merit Bank because there was a flyer that was sent to my home stating that I could receive {$150.00} worth of credits to my account if I followed certain procedures for opening an account. The procedures are in {$25.00} increments. I have ( 1 ) opened a checking account with Mobile Banking ( 2 ) enrolled int he merit rewards program and ( 3 ) I do participate in the direct deposit program to the account. Since I have opened this account I have been receiving fees of {$35.00} stating that I have had many overdrafts. I have discussed with the bank that I have a tight budget and call and go on-line constantly but they always seem to place the blame on the merchant and hold money for 2 to 3 days knowing that the purchase was made when I had the money in my account. I have been charged almost {$300.00} in overdraft fees in 3 months since I opened the checking account. I have not seen the {$150.00} activation reward in my account nor do I merit all of the fees that First Merit has charged to my account.
Consumer complaint received 2015-05-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (IL)

Your site is not working correctly. It accepted my information and then offered the credit score for XXXX, which is not free. Your site would not allow me to go back to the prevue screen because I am not paying your company anything. I will be reporting this to the XXXX Attorney General 's Office Monday morning. The option to get the report online never appeared. I had to close the site to get it to do anything. Your security letters request was also malfunctioning. When I went to email your company, it rejected sending the email stating there were errors. There were no errors.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

I am writing to formally dispute the accuracy and completeness of the balance associated with the account XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/year> I believe the reported balance is incorrect, and this discrepancy needs to be addressed immediately. Under 15 U.S.C. 1681s-2 ( b ) ( E ), furnishers of information are required to conduct a reasonable investigation when a dispute is made regarding the accuracy of information on a consumer report. In the case of XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. XXXX, it was emphasized that verification of disputed information must be supported by comprehensive and accurate account-level documentation. Furthermore, 12 C.F.R. 226.25 ( a ) stipulates that such documentation should detail all transactions related to the account in question.

Given these legal responsibilities, I request the following : 1. A thorough investigation regarding the accuracy of the reported balance associated with the account. 
XXXX. The provision of complete account-level documentation that verifies the accurate balance in accordance with the XXXX case and applicable regulations. 

If your agency can not verify the accuracy of the information with appropriate proof of verification, I expect that the account will be deleted from my credit report immediately, in compliance with the FCRA. 

Please send me written confirmation of your findings and any corrections made within the required timeframe. Thank you for your prompt attention to this matter. I look forward to your swift response.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.