davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

My name is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX *Refinanced my adjustable XXXX XXXX to a 20yr FNMA fixed through a mortgage broker around XX/XX/XXXX. *PennyMac bought the loan # XXXX. *XX/XX/XXXX PennyMac performs an automatic withdrawal from my account in the amount of {$1300.00} for Home Owners Insurance Premium which they claim they did not receive from my XXXX XXXX agent 7 months earlier. They never tried to contact me to warn me, they just made the withdrawal. I called to reconcile, XXXX XXXX showed proof they had included the paperwork back during the refinance. PennyMac credited my account back the {$1300.00}. *XX/XX/XXXX PennyMac performs automatic withdrawal of monthly mortgage payment with an increase of {$300.00}. I called to inquire, the Escrow / Insurance department claims they were not aware of my {$170.00} per month HOA payments and requested a copy of the Master HOA Condo Policy and said they had created an " Extra Miscellaneous '' account to pay for this. They asked that I upload the policy to XXXX which I did that day. That was back on theXX/XX/XXXX. They said they would credit the {$300.00} back. *I have since twice filled out their " contact us '' section in my online account and heard nothing back. *Today, I call again and customer service tries to tell me that my escrow has a cushion of roughly {$1000.00} dollars and they do see the extra miscellaneous account that was set up, then proceed to try and negotiate a payment with me!? This made me very nervous, hence my submitting a complaint to your department. *I was a long time XXXX for XXXX XXXX XXXX in the XXXX department under XXXX XXXX and understand the relationship between CFPB and the banks. *I am speaking with XXXX XXXX in the PennyMac Escrow / Insurance department now and she is assuring me it was an error and is requesting an  escrow audit on my account. She is not sure how much the credit will be as of yet and tells me I will receive a letter within the next week. *My concern is that this is the second time in 6 months that PennyMac has randomly charged me vast amounts to the account and then I have to initiate reconciliation. <P/>Let me know if you need any further details and thank you for the help! XXXX XXXX XXXX
Consumer complaint received 2017-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I processed a deposit of {$890.00} on XXXX XXXX before the cut off time. It was to show on Monday, XXXX XXXX, but it did not, and it ended up giving me a negative balance. I called the bank to tell them about this and was told they would check into it with my branch, as well as ask that there be no overdrafts fees. I checked this morning, XXXX XXXX, and there were XXXX overdraft fees totaling {$74.00}, and, after calling my bank again, there was no record of my precious call. They were to call me back as to whether they would refund the charges and they never called back. My other complaint is that I use XXXX app and the app has tried, repeatedly, to get updated information about bank balance from my bank and they have not been able to. I use this app as a way to help to balance my budget and with the protection they provide, I could have received an overdraft protection of {$100.00}, but because they could not confirm the information, my account was overdrawn.
Consumer complaint received 2017-06-19
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: Experian Information Solutions Inc. (TX)

To who 'm it may concern, I am writing this dispute on behalf of Experian. I have contacted Experian via phone and via certified letter on behalf of  XXXX  unauthorized hard inquiries. I have had a fraud alert in my credit file before also my personal information was combined with someone else 's personal information now I have a fraud alert due to identity theft that indicates anyone who runs my credit needs to contact me to verify if it 's me seeking credit and that was n't done and that violates my rights as a consumer. I have reached out to Experian on more than one occasion to advise of my credit being pulled with out my permission and request them to delete the inquiries with no result.
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I purchased a XXXX XXXX XXXX off the lot. During the purchase I was guaranteed that XXXX would lower my interest rate after 6 consecutive months of on time payments. 3 years later and nothing. I 've called and got the run around. Gone to the dealership and they say I have to call. The bigger issue is a late payment they reported about 2 years ago that was their fault because my bank said they did n't pull the payment out. I 've asked to have it removed since it was n't late and the money was there as well as my branch manager confirming how the transactions always occur monthly. It 's not fair to continue to carry a negative that does n't belong to me.
Consumer complaint received 2017-06-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: First Direct Lending, LLC (VA)

First Direct Lending out of California advised I was approved for refinance with cash out and asked me to provide documents proving I was the homeowner of the dwelling such as utilities and a death certificate for my wife that passed in 2015.  They advised that was all they needed to close and that I was approved. They have all my info and have pulled my credit and are now saying they cant do the refi due to my drivers license having a different address. This is false hope and misleading and misrepresentation of the duties they said would perform.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Hello I have call Equifax and also sent in disputes in inquiries that do no belong to me I have also contacted the creditors who advise me to contact the Equifax and I feel like nothing is being done about this I keep going back and forth with both, just recently I have received a copy of my credit report and notice these inquiries that I did not authorized and I would like them removed as they are hurting my credit score this was not done by me and I had no knowledge that this was done the inquiries are : 1 XXXX XXXX XXXX 2 XXXX XXXX 3 XXXX XXXX XXXX XXXX 4 XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

I have a Macy 's store credit card, and typically pay off the balance in full. I have n't carried a balance on the credit card in months, but in XXXX started receiving $ XXXX monthly charges on a {$0.00} balance, with paper statements sent sporadically / not on a monthly basis. Since it takes so long to reach a live agent on the phone ( 20-50 minutes ) I typically paid off the {$2.00} interest charge every month, and imagine a lot of other customers are doing the same. In XXXX of XXXX my Macy 's credit limit decreased from {$1200.00} to {$300.00} with no explanation and no notice, causing my credit score to dip slightly. In XXXX of XXXX my credit report showed that Macy 's closed my credit card account entirely, again with no notice or explanation. My credit score fell again. I called Macy 's and spoke with an agent who apologized and said there was a glitch in the system, offering to re-open my account. I declined and asked that my account remain closed. The agent said that if I wanted to discuss credit report issues I would need to call the credit reporting department. I called that department and was on hold for 35 minutes, then decided the few lost points on my credit score were n't worth the time and hung up. In XXXX I again began receiving sporadic paper statements, each for {$2.00}. I paid off a couple of months and tried reaching a representative to figure out why I was being charged on a closed account. In XXXX of XXXX I was assured that I would no longer receive monthly bills on a {$0.00} balance, and that my account is closed. Today, XXXX XXXX XXXX, my credit report shows 3 late payments, all from Macy 's, on a supposedly closed account. To date, Macy 's caused my credit score to drop more than 40 points. I called Macy 's and spoke with a representative who again apologized and removed the {$2.00} charge for the last 3 months and informed me that I can discuss credit report issues with their credit reporting department, which works different hours. I asked for the status of my account and was told it 's in " Hold '' status due to the remaining balance. I asked the representative to close my account. After a few minutes, she said she could not close it because it 's " showing up as already closed ''.
I 'm frustrated and angry that Macy 's is getting away with this, and am shocked this has n't yet resulted in a class action lawsuit. The shady business practices started ( at least for me ) around the same time that Macy 's reported financial struggles -- closing down stores and letting go of employees -- but stealing from consumers is not the way to stay afloat. Many people are having this experience with Macy 's : XXXX XXXX XXXX
Consumer complaint received 2017-06-19
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: SYNCHRONY FINANCIAL (IN)

I mailed a letter to SYNCB/ XXXX  on  XXXX   XXXX ,  2017  about an unauthorized inquiry on my  XXXX  credit report from their company. I suspect this is fraud. I asked them to remove the inquiry in addition to forward any documents that showed an application of credit from them.     The company sent a letter back, dated  XXXX   XXXX ,  2017 , saying the inquiry was as a result of a paperless application, which I did not do. They failed to send any documents to support their claim.     I requested the inquiry to be removed from my credit report an they failed to do so.
Consumer complaint received 2017-06-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I had a settlement amount for Portfolio Recovery Associates for a XXXX debt. The settlement amount was {$800.00} and I was making at least {$25.00} a month payments. In XX/XX/XXXX, I accidently mailed them a money order for {$20.00} that I had for another creditor and mailed their {$25.00} to the other creditor. In the past I would often make more than the {$25.00} payment. At the time in XXXX, my balance on my settlement would have been {$110.00}. In XXXX, I was called and told I broke my " promise ' and that they settlement was gone and I would now owe {$660.00}. As you can imagine i was extremely upset about this and asked/begged to be placed back on my settlement offer. Since the many people I spoke to were unwilling to assist me in renegotiating my settlement, I quit paying. I understand there has since been a judgment placed on me as of XX/XX/XXXX for the amount of {$730.00}. I know I was wrong to just stop paying but no one was willing to help me get my settlement back after a small {$5.00} error when in the past I had often sent more than the {$25.00} payment required. I would like to have this settled again for the amount of {$110.00} and I will gladly pay this in full immediately to take care of this situation.
Consumer complaint received 2016-08-23
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: West Virginia Housing Development Fund (WV)

There 's an organization in West Virginia that 's loaning money to Municipalities for demolition and these loans are required to be used for redevelopment. The Agency is called the West Virginia Housing Development Fund and they 've loaned about XXXX XXXX dollars to the City of XXXX, WV and countless homes have been destroyed by way of illegal use of theses funds. Residents and property owners have had their homes wrongfully Condemned and placed for demoltion and have been denied the opportunity to repair or do work on their houses. Funds loaned to the Municipalities were required to comply with WV XXXX The Urban Renewal Authority Law for Slum Blight Clearance and owners were by law to have had their homes acquired and compensated. This did n't happen and the City of XXXX demolished houses that they had no intention of redeveloping and vacant lots were left and owners told they could n't build on the land because variances had changed so that they were left with a useless piece of land. Incidentally. houses were Condemned by uncertified Code Officials that XXXX hired and permitted and hired them to do this. There is a lot that XXXX 's XXXX mother lived across the street from that I owned and the neighbor was friends with the City Officials and complained to Code Enforcement until the house was Condemned and placed on the Demolition list, torn down, and vacant lot obtained by XXXX from my bank whom I was buying the property off of. The bank told me to deed the property back over to them or be foreclosed on and then the bank deeded the property over to the City for partial payment of the demolition cost and the neighbor who all along wanted the lot purchased it from XXXX.There is a property where a demoltion occured and the lot where the City demolished it later was the sight of new construction of a apartment house owed by the XXXX City XXXX 's brother and his XXXX called XXXX. This all sounds like racketeering and must be stopped and acted upon. Please help this stop-now XXXX is using XXXX XXXX XXXX XXXX to continue on with the illegal demolitions. The WVHDF is now lending money again illegally to the City of XXXX, WV Thank You, XXXX XXXX
Consumer complaint received 2017-06-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (OH)

I have an unrecognized account on my credit report from IC SYSTEMS  XXXX  I have never done business with this company. I am requesting a copy of the contract agreement between IC SYSTEMS and the Original Creditor if there is to be any proof of this claim unpond my person. I do not believe IC SYSTEMS is a entity that can legally enforce a claim unpond my person without a investagation of the FULL CONTRACT AGREEMENT. Your company has 15 Days to provide me with the prooof that you own this debt or account and have the nessary documents to enforce a claim.
Consumer complaint received 2017-06-19
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alliance Group & Associates LLC (AL)

PLEASE CANCEL COMPLAINT #  XXXX  FILED ON  XXXX / XXXX /  XXXX   TODAY A DEBT COLLECTOR CALLED MY PHONE LOOKING FOR MY SPOUSE  XXXX   XXXX   XXXX  SS #. SHE ASKED WAS HE AVAILABLE AND I ASK HER WHAT CAN I HELP HER WITH. THE COLLECTOR  XXXX   XXXX   XXXX  FR OM ALLIANCE GROUP  CALLED FORM PHONE #  XXXX  HER DIRECT LINE. SHE ADVISED ME SHE WAS CALLING MY HUSBAND IN REFRENCE TO A PAYDAY LOAN FROM   XXXX   XXXX   XXXX   XXXX  AL. SHE QUOTED  XXXX  I ADVISED HER THE AMOUNT WAS INCORRECT. SHE BEGAN TO OVER TALK ME. WHEN I TRIED TO TAKE OVER THE CONVERSATION SHE GOT FIRED UP AND PROFANITY WAS EXCHANGED. SHE CALLED ME A  XXXX  AND ADVISED ME TO  XXXX  SOME. WHICH WAS HER EXACT WORDS. AS A DEBT COLLECTOR SHE USED OBSCENE LANGUAGE TO ME. AND THEN SHE HUNG UP AND CALLED ME BACK TWICE. SHE VIOLATED FDCPA. I HOPE THE LINE WAS RECORDED. I NEED HELP FILING A COMPLAINT WITH THE FTC. I WANT THE COLLECTOR FINED AND THE COMPANY FINED AS WELL THE ALLIANCE GROUP. I ORIGINALLY THOUGHT THAT  XXXX   XXXX  WAS THE RESPONSIBLE BUT THEY INFORMED ME THEY OUTSOURCE THIS ACCOUNT TO ALLIANCE GROUP  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  SC  XXXX
Consumer complaint received 2017-06-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ARVEST BANK GROUP, INC. (AR)

I use an App called XXXX and it 's taking forever for my transactions to post. As well as being sent to them it is very inconvenient. It has made me late on my rent when I was counting on that money.
Consumer complaint received 2017-06-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (SC)

Navient has systematically violated numerous rights and protections afforded to me by law. The following is a list of violations that have gone unchecked and committed with the knowledge and intent to qualify as a crime under most statutes. 15 U.S.C. Subchapter I 6801 ( a ) - The extent of the number of times this law has been violated by Navient ( XXXX XXXX ) encompasses years. The fact that the discussion is not of a singular violation but an egregious disregard for this law over the span of years is unconscionable. 15 U.S.C. 1692c ( b ) By making contact with a party or parties not authorized to have access to my account through letter, phone call, or otherwise 15 U.S.C. 1692d Sending notices addressed to a deceased family member, to my personal address, after being notified of their death 15 U.S.C. 1692f ( 8 ) -  By sending envelopes that specifically state, Important information about your student loan '' which notifies people that a debt is being collected. 15 U.S.C. 1692k ( a ) ( 1 ) - Actual damages sustained are greater than the balance of the loan. Through higher interest rates, inabilities to get credit, or emotional distress causing me to miss work. 15 U.S.C. 1692k ( c ) - Liability can easily be established through the records of years of letters sent to an unauthorized individual based on ( 1. ) a denied loan application, or ( 2. ) an unauthorized phone call held between a representative of Navient ( XXXX XXXX ) and the individual not associated with the account.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SSN- XXXX Phone - XXXX XXXX XXXXXX/XX/XXXX Email - XXXX Inquiries that need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I recently got a Venture credit card from Capital One. I use credit cards a lot for my company and they were advertising the 2 miles for every dollar spent. Since I have several employees that charge corporate expenses, I went on line and ordered additional cards. I got a call today from Capital One telling me they needed further information on all the employees such as Social Security card, drivers license, etc. I told them it was too much of a hassle and to just please cancel my request for the additional cards. Since I am responsible for paying the bill I did n't want to give a lot of personal information on all my employees. I was then informed I could not use the card again until I gave them the information on those employees, even though I was cancelling the request for the additional cards. I told the representative that I would not use the card any further and went on line to redeem the miles because there was a big bonus up front. Well, they wo n't even let me redeem the miles without giving them the personal information on my employees. Even though I do n't want the cards now! Capital One is obviously trying to get information to market to my employees and are holding the miles hostage. I will never use Capital One again as I have been a client for years and always paid on time but am being treated this way.