davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC. (MN)

PennyMac Called on XX/XX/XXXX due to noticing due amount included late fee. Late fee was stated to be waived. Payment was made on XX/XX/XXXX which covered the difference fee per the calculation with the agent on the phone, {$190.00}. 

Called on XX/XX/XXXX : Waived late fee. Payment made on XX/XX/XXXX to be applied to upcoming months bill. Confirmation XXXX XXXXXXXX Called on XX/XX/XXXX : Waived late fee approved. Waiting for the payment that was made to be applied to upcoming month 's bill. Extension number : XXXX. XXXX. 

Called on XX/XX/XXXX then requested for supervisor : The payment on XX/XX/XXXX went towards principal instead of payment. Thats the reason it has been late. Looking into reversing the charge for it to go against monthly payment instead of principle. All late fees waived. {$73.00} was paid for payment on XX/XX/XXXX and XX/XX/XXXX to go towards monthly payment. Confirmation # XXXX Called on XX/XX/XXXX to follow up. The payment on XX/XX/XXXX was escalated for supervisor approval and was declined. Late fees were waived. Relayed the following payments that went towards principal reduction was not approved and the understanding was for it to go towards monthly payments. That was the only reason the XX/XX/XXXX and XX/XX/XXXX payments were made for it to be the total monthly payment of {$2100.00}. Will be calling on XX/XX/XXXX. Confirmation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2000.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$73.00} Multiple phone calls from PennyMac providing updates from XX/XX/XXXX to middle of XX/XX/XXXX. The last phone call from PennyMac stated the concern was resolved and the amounts were moved to the monthly payment for next month. 

Called on XX/XX/XXXX to follow up. The amounts are still in principle and not applied towards monthly mortgage payment. It was requested for this concern to be resolved as it was stated it was. Requested for the recording of the phone calls. It was stated this is escalating to supervisor for supervisor to to call back on XX/XX/XXXX between XXXX to XXXX. 

In the monthly bill, there is a section titled " Important Messages : '' *Suspense : Any amount received less than a full payment will be applied to a suspense account for your mortgage. When enough is received to equal a full payment, a full payment will be applied to your mortgage.

PennyMac is not following their Important Messages statement on their monthly mortgage bill that is received.
Consumer complaint received 2023-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

XX/XX/2023 XXXX Dear Sir/Madam, I am writing to dispute late payment information that is appearing on my credit report. I believe this information to be inaccurate, and I am requesting an investigation under the provisions of the Fair Credit Reporting Act ( FCRA ). 

According to my records, the following late payments appearing on my credit report are incorrect : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Reporting Date : XX/XX/2023 Alleged Late Payment Date ( s ) : XXXX, XXXX and XXXX As per the FCRA, I am entitled to dispute incomplete or inaccurate information on my credit report ( 15 U.S.C. 1681i ). I request that you conduct a thorough investigation into these late payments to verify their accuracy. If these late payments can not be verified, they should be promptly removed from my credit report as stipulated by the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ).

Additionally, the FCRA grants me the right to request the method of verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Upon conclusion of your investigation, please provide a detailed description of the procedure used to determine the accuracy and completeness of these items.

Furthermore, if the investigation does not resolve the dispute, I request that you furnish a statement to that effect to all recipients of my credit report as required by 15 U.S.C. 1681i ( c ) of the FCRA.

Enclosed, you will find copies of documents supporting my position. Please note that the FCRA requires you to complete the investigation within 30 days of receiving this dispute ( 15 U.S.C. 1681i ( a ) ( 1 ) ).

I appreciate your prompt attention to this matter. Please confirm in writing that you have received this dispute, are conducting an investigation, and will remove these items if they can not be verified.

Thank you for your cooperation. Should you require additional information, please feel free to contact me at XXXX or XXXX Yours sincerely, XXXX XXXX
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

Equifax refuses to respond to the statement in my letter that includes consumer law! They have ignored the laws that govern them and have not given any explanation or rebuttal against my findings. 

I need the CFPB to hold Equifax accountable for their negligence! I have accounts and inquiries that are not supposed to be on my credit report and they need to comply with the laws that govern them as stipulated in MY LETTER! 

Otherwise I will have no choice but to involve court!
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. I have filed a police report and FTC report and sent the paperwork to the credit agencies according to the FCRA. My disputes are not being filed correctly and my paperwork is not being attached to the disputes. And I am not getting copies of the verification process
Consumer complaint received 2023-09-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

We purchased a travel trailer in XX/XX/2023 XXXX used Bank of America as our finance company. Since that time they have mis-applied our additional principal payments 4 times. Each time they apply the additional funds as payments and not as additional principal.

We have even gone into the branch and used their coupon and hand wrote the additional principal portion of the total amount in the space provided and they still posted it as 7 payments rather than 1 payment and additional principal.

After each incorrect posting we are forced to call in and verify that it was posted incorrectly and then have to wait 3-5 business days before it is fixed and in most cases do not even know it is fixed until the next monthly statement as their online system does not allow us to see payment transactions.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MA)

Please remove this information from my credit report, this affects me a lot, I don't want to have it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
Product: Credit reporting 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)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies Transunion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 
Any and all consent to Transunion, XXXX, and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

" This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2017-09-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Service Bureau (MN)

XXXX 2017 approx 3000 dollars I did not receive anything in the mail from this debt collector, even though they told me I did. I believe they lied about this as they had my address. I asked if they would send me another letter with more information to verify my account and they said no. Then they proceeded to threaten to put my bill into collections if the balance hasnt been paid in 10 months and refused to work with me on a reasonable payment plan. I feel that they violated my rights.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

Hello, I contacted I C SYSTEM, XX/XX/XXXX in regards to a collection account that is on my credit file showing I owe {$180.00} for a XXXX Account from XXXX. I being charged for equipment that I returned
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I received an email from Bank of America on XX/XX/2023 that they have opened a new checking account in my name. I am not, nor have I ever been, a customer of Bank of America. After waiting on hold for hours, the BoA agent confirmed that the account was fraudulently opened and said they would close it. On XX/XX/2023, I received an account statement and evidence that it was never closed. 

A similar issue with BoA also occurred in XX/XX/2023. I was assured that this wouldnt happen again. In XXXX, I also froze my credit with the 3 bureaus.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent ( NUMBER OF LETTERS ) previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (CT)

Within the last 2 days, a company called Credco, formerly Core Logic did a hard inquiry on my credit without my consent. I have not applied for any type of loan or done anything to trigger a hard inquiry. When I called Credco they could not find any hard inquiry done by them based on my name and social yet they refused to fix the problem, blaming other companies. They suggested that I call the name and number associated with the hard inquiry. The name is CREDCO and they answered the number I called. They caused my credit to plunge by 31 points by doing this! I did NOT authorize this and I want it REMOVED.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2023 I received a letter from Chase Freedom Visa Platinum that they were unable to approve this account. I never applied for this credit card. The letter is dated XX/XX/2023. The application apparently had my previous married name with a middle initial, which I do not have a middle initial. My street address was correct, but the city was the township I live in. Apparently the person that filled out the application has their last four digits on the application as XXXX. This also is not my social security number. I called Chase bank and explained that this must be identity theft as I did not apply for a credit card. They referred me to the Fraud Department where I made a report and they sent me a " kit '' that I must follow in order for them to send me a copy of the application details. You are my first of many items I must complete in order to try to resolve this problem. Just a note : this happened to me last year with XXXX XXXX XXXX and the same last four social security numbers ( XXXX ) were used. I did not get the application information from XXXX as I had put a Fraud Alert on my credit and bank accounts.
Consumer complaint received 2023-07-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

XX/XX/2023 CFPB I have worked for and received XXXX mortgage modifications and was told each time that I would get new mortgage pay statements ; and that I should not make payments until I received the new statements because my payments would get lost in the paperwork if I did. 
I waited and called and researched online at the mortgage companys web site, looking for my statements. 
After each approved mortgage modification, I was blocked from the web site and received a letter in the mail stating that my loan would now be serviced by a new mortgage company. 
I was told by the new mortgage servicer that I should not make payments to the new mortgage company until they had processed the paperwork from the previous mortgage company because my payment would get lost in the paperwork. 
Then the process started again. ( Requesting and receiving a mortgage modification ). This was a long and arduous process each time ; resubmitting all required documentation and jumping through all hoops I was informed I had to. But at the end of the day, I had my loan modification and looked forward to making my payments so as to move on with my life. 
This process was completed XXXX times with an approval until now when they have denied the mortgage modification because of the XXXX approvals that were not processed completely or correctly. 

My home has a foreclosure sale on it and I am attempting to block the transfer of title. 
I have worked with HAF and they offered to help with XXXX amount of {$50000.00} but I still had to produce {$41000.00} and was unable to do so, partly because I invested almost {$40000.00} last year in a bankruptcy that was dismissed. 
I built my home and have worked diligently to maintain it in every possible way. 

I request you help me cancel the sale that has taken place and get back to making my monthly payments. 
I should not be held accountable because the mortgage servicers ( Bank XXXX XXXX, XXXX XXXX, XXXX ) did not send me pay statements and kept allowing the charges to grow every time my mortgage was sold to a new company. ( The payments after being approved by Bank XXXX XXXX were around {$1200.00} XXXX ; now It is above XXXX p/m ). 
My home is being stolen from me and I have done all I was instructed to. 

I urgently look forward to your reply. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX PS : I have done all required and instructed of and still : Foreclosure Sale of my XXXX XXXX. XXXX  & XXXX  stress Possibility of losing all I have worked for Paying out an additional {$40000.00} plus out of pocket