davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

XX/XX/year> Dept. of Veterans Affairs Lender # XXXX Servicer # XXXX VA Home Loan # XXXX Good morning, I would like to formally file a complaint against our VA home loan lender, PennyMac. There is a {$600.00} delta between the loan estimate document ( {$2500.00}, including {$730.00} in escrow for taxes and insurance ) and the actual amount due ( {$1900.00}, with {$180.00} in escrow for taxes and insurance ).

We selected them to do a VA refinance home loan based on the estimated payments, which, as noted above, included taxes and insurance rolled into the payment. When we closed on the loan on XX/XX/XXXX, it was clear the numbers did not match up, and the closer ( who came to our home ) pressured us to sign, telling us that it would be an easy fix for PennyMac to correct the numbers to include the escrow into the payments.

Unfortunately, it has not been an easy fix for PennyMac, as it has been difficult to get anyone to acknowledge the error at all. When we first called PennyMacs help line, the agent couldnt tell us why the numbers didnt come even remotely close, and that was it. No escalation, no well look into it further, nothing. We then called the loan officer, XXXX XXXX, who said she would look into it. After not hearing anything back, I emailed her again on Fri, XX/XX/XXXX, trying to this resolved, and she responded that she had escalated it to the closing and operations team on XX/XX/XXXX, but we still have no contact from PennyMac, and no resolution.

It has been one month since we closed, and we first brought this to PennyMacs attention ( it is unbelievable to me that they didnt catch this themselves prior to closing, and they went through the closing process willfully, with such grossly inaccurate numbers ). The only way we get information, is when we are persistent ; not one single time has PennyMac reached out to us to inform us about what is going on, what the issue is, or when it will be fixed. It is stressful because if the escrow is not included in the payment as was originally promised in the loan estimate it will cause us to be short on the escrow amount due, which we want to avoid.

This has been a very frustrating experience, and one that is likely to have severe financial repercussions for us if the error is not corrected. We planned for, and expected, the payment amounts to be very close to the estimate document, which is what we based our decision on. To date one month after closing we still do not know what exactly our monthly payment will be, and that, to me, is unacceptable. 

Please feel free to reach out me or my wife directly for more information ( contact information is below. ) Respectfully, 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 2024-08-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lloyd & McDaniel, PLC (IL)

On XX/XX/XXXX, I sent a formal cease and desist email to LLOYD & MCDANIEL , PLC, requesting that they immediately cease all communication with me regarding an alleged debt. This request was made under the protections afforded by the FDCPA, 15 U.S.C. 1692c ( c ), which allows consumers to demand that debt collectors stop all forms of communication. I also extended this request to include communication with third parties, specifically credit reporting agencies, citing the precedent set in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Despite my clear request, LLOYD & MCDANIEL , PLC, has continued to communicate with me and, to my knowledge, may still be reporting the alleged debt to credit reporting agencies. This conduct is a violation of the FDCPA.

The continued harassment and reporting have caused me significant stress and have infringed upon my rights under the law. Given the severity of these violations, I am seeking compensation for damages as provided under 15 U.S.C. 1692k, which allows for actual damages, statutory damages up to {$1000.00}, and reimbursement of legal fees.
Consumer complaint received 2024-09-04
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: OneMain Finance Corporation (TX)

In XXXX multiple items of identity were stolen and I have experience identify theft since. After pulling my credit report in XXXX of this year I noticed there was a hard inquiry for a XXXX credit card on XX/XX/XXXX, a OneMain personal loan application on XX/XX/XXXX, and an additional OneMain personal loan application on XX/XX/XXXX. These accounts were not applied for by me nor did any one have my permission to open them. In addition there was fraudulent activity on a XXXX credit card starting in XXXX XXXX XXXXXXXX. I reported the activity to XXXX  and they put the card on hold and deferred payment until the issue was resolved and that it would not be reported as late to the credit bureaus. XXXX did not close the account or issue me a new account number, as they told me I had to pay the balance to get issued a new account number however the charges were fraud. There are a total of 14 late payments all of which are due to graduate activity and XXXX  telling me they would investigate the charges. XXXX finally issued me a new account number this year when I paid the balance of the card down to {$0.00} despite fraudulent charges.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (TX)

On XX/XX/XXXX I attempted ach payment for {$110.00}, it was denied bc I had no money in my account. Ok I thought cause it was denied thats it. Fast forward to XX/XX/XXXX I get online and make a manual payment for {$97.00} ( as thats what Im being prompted to pay ) then literally hours later an ACH for {$110.00} is taken and paid to XXXX. I did not approve or authorize that payment. The only ACH I approved was on XX/XX/XXXX. Now today XX/XX/XXXX they just took another ACH for {$25.00} return fee. I have XXXX kids, single mother, the ACH for {$110.00} put XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. So I borrowed {$40.00} from a friend for food and XXXX  takes more than half. XXXX. I did not approve any of this
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX ( Finance ), XXXX XXXX XXXX  ( Bank ), XXXX  XXXX ( Bank ), XXXX ( Finance ), XXXX XXXX XXXX  ( Finance ), XXXX  XXXX ( Bank ), XXXX XXXX  XXXX ( Auto ), XXXX XXXX XXXXXXXX ( Bank ), XXXX XXXX ( Bank ) , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Finance ), XXXX XXXX XXXX ( Bank ), XXXXXXXX Card Services ( Bank ), XXXX XXXX XXXX  ( Bank ) , XXXX ( Bank ), XXXX XXXX XXXX and XXXX XXXX  has violated my rights . 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reports containing any of the 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 information is inaccurate.
Consumer complaint received 2024-08-30
Product: Credit 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: JPMORGAN CHASE & CO. (CA)

**Summary of Dispute with XXXX XXXX and Credit Card Company** XXXX XX/XX/XXXX, I booked a flight from XXXX  to XXXX with XXXXXXXX XXXX XXXX scheduled for 3 days later. Less than 24 hours after booking, I attempted to make changes, but XXXX XXXX refused, stating their policy prohibits changes within 6 days of departure. Despite this, I was only 3 days from my flight date. Instead, XXXX offered me a credit, which I used to book a new flight. However, this new flight was canceled by the airline 4 hours before departure. 

The charge for the original flight was still posted to my credit card. I disputed the transaction, but the credit card company denied it after XXXX provided documents stating I did not cancel or make changes within their 6-day policy. I am now being held responsible for the payment, even though the cancellation was initiated by XXXX XXXX.
Consumer complaint received 2024-09-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I asked the company that had my information into the collection agency to provide me with signed documents that has my social security number, date of birth and original signature on documents that shows my signature and correct SSN and DOB all documents and none of what I asked for has yet to be provided, they send me everything but what I've asked for. No documents have been confirmed with my signature, correct DOB and SSN
Consumer complaint received 2024-08-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC (WI)

I try to reach out to global lending service multiple times to even speak to some form of manger ... As much as I tried to pay ahead, I could never get a hold of somebody to pay towards a principal. If feel this is a predatory loan... adding up to what I paid and balance never moves. I also can't find match the XXXX XXXX  I gave XXXX XXXX as a deposit. They were the ones who set me up through Global lending service. I don't even get emails ( last on was XXXX XX/XX/2022 from this place except for one weird one stating account closed but yet I keep paying more and more! Please help!!!
Consumer complaint received 2024-09-11
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: Experian Information Solutions Inc. (IN)

I filed a complaint over 30 days ago about the false reporting of my bankruptcy to my credit report bankruptcy case XXXX XXXX XXXX XXXX, XXXX # XXXXit was never reported to them and they have failed to provide proof to the cfpb and are violation of my rights.
Consumer complaint received 2024-09-02
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: WELLS FARGO & COMPANY (FL)

Received a letter from Wells Fargo Auto Re an Application # XXXX for Loan by XXXX XXXX XXXX on XXXX That I am requesting a loan. 

Please inform XXXX. Wells Fargo Auto that I am not requesting a loan XXXX. XXXX XXXX XXXX that I am not purchasing an auto XXXX. Please inform XXXX of XXXX TX XXXX PH # XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ph # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX PA XXXX ph # XXXX Thank I did not request any credit check so please continue to disregard and such request. And thank for their vigilance XXXX XXXX. 

XXXX XXXX
Consumer complaint received 2024-08-30
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I reached out to my bank on XX/XX/XXXX to inquire about a dispute that was taken out of my account in the amount of {$100.00}. I informed them that I was not sure why this was being taken out of my account and that I did not recognize the transfer that was originally made on XX/XX/XXXX until I investigated further and found out this was made unauthorized by another individual to themselves from my account. 

It is under my impression that under regulation E that unauthorized transactions are eligible for disputes even if they involve institutions such as XXXX I was repeatedly told that they could not assist me as I authorized my initial transaction even though Im explaining to them it was not authorized. 

After arguing with me and stating that they have been on the phone with me for 45 minutes and theres nothing more they can assist me with. I asked to speak with a supervisor. I was first told that they would not speak with me as they would be repeating themselves. After insisting they finally transfered me and said they could not assist me either and refused to file a claim for me.
Consumer complaint received 2024-09-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (LA)

Dear LVNV Funding LLC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (TX)

I asked the company that had my information into the collection agency to provide me with signed documents that has my social security number, date of birth and original signature on documents that shows my signature and correct SSN and DOB all documents and none of what I asked for has yet to be provided, they send me everything but what I've asked for. No documents have been confirmed with my signature, correct DOB and SSN
Consumer complaint received 2024-09-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (TX)

10 phone calls on XX/XX/year> and 17 phone calls between the hours of XXXX and XXXX so far on XX/XX/year>. When I call the numbers back I never get a person to speak with.
Consumer complaint received 2024-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (TX)

I previously submitted a complaint to this company regarding identity theft ( # XXXX ) As I stated before this account and several others were created fraudulently under my name. I provided the FTC report to prove that. This company is stating that they have verified this account to be mine with accounts that were used to pay for this bill and id and address that is attached to me but that is the point I am making and the actual definition of identity theft several accounts being open with fake addresses and ids
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (SC)

My card 's payment due date is the XXXX of each month. On XX/XX/2024, I paid my balance due in full using the Aplpe Pay feature that I always use, which is linked to my checking account that I always use. I received an email from the company acknowledging receipt : " We've received a payment of {$430.00} you made on XX/XX/2024. This payment has been applied to your account already. '' Then, on XX/XX/XXXX, I got another email saying that " Your recent payment of {$430.00} on XX/XX/2024 from the bank account ending in XXXX was unsuccessful and has been reversed. '' The four last numbers mentioned in their emial are rather a suffix for my account, not the direct deposit number that I gave when I linked the account to Apple Pay. In any case, my account had enough funding throughout all these dates, and I proved this to the bank. 

Because it was already XX/XX/XXXX, the bank charged me an interest of {$6.00}. I made the payment again and called Customer Service, explained the situation and got that interest waived. 

To me, the situation was solved, but on XX/XX/XXXX, my statement showed and extra {$20.00} of interest charge. I texted Customer Service and the rep said he would open a case because I shouldn't have that interest there. 

When I checked on my case number, they started saying that I was late on my payment, that I had attempted to pay with one account and when it failed, I paid with another. I provided evidence that it is the same account, and explained that I have no fault in the payment being rejected, but that the bank should honor their acknowledgement of my payment. In any case, over a month of conversations, the bank has provided three different explanations for the interest, the latest one being that it is a " trailing interest ''. They say that " To stop trailing you have to make 2 full monthly balance payments on time consecutively. '' Then, they apologize for not explaining this before but that I signed a contract with them and should have read it.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Law Offices of Frederic I. Weinberg & Associates, P.C. (PA)

I was contacted by XXXX and XXXX claimed to sue me for a debt. The debt was owned by XXXX XXXX XXXX which through various searches the XXXX companies are the same and XXXX uses XXXX XXXX as a front for debt collections. I set up a payment plan and XXXX canceled the plan and continued to ignore my messages and calls XXXX unanswered ( I have all documentation ). I contacted XXXX XXXX and they kept saying contact XXXX whom I did countless times and they ignored my calls. I emailed them multiple times and have filed several complaints with the state and they lie when they reply.