davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

I got the mortgage with Pennymac home loans in XX/XX/XXXX. The property I bought is an investment rental in XXXX XXXX TX. Renters occupy the property. I reside in Colorado. 

I was laid off from my job in XXXX XXXX XXXX so I had no income. Also XXXX XXXX TX charged inflated property taxes of over {$9000.00}. This went to my mortgage escrow which made the monthly payment jump up to {$2000.00}. The rental payments were non existent since I had trouble finding a renter for the year until XX/XX/XXXX. ( The current rent doesn't even cover the mortgage ). I have been bleeding my hard- earned retirement account dry making the payments. 

I called Pennymac for help in XX/XX/XXXX. They said I should apply for a loan modification, which I did. After hours of filling out their forms and finding and sending documents to them it was finally in process. In XXXX XXXX XXXX I called to check on the status. I was told that if I didn't default on my payments the system would deny the loan modification because it would see that the payments were timely. So I purposefully stopped my current payment. Next thing I knew the loan modification was denied because they do not cover NON-OWNER OCCUPIED properties. No one bothered to tell me this in the first place! Anyway, I went ahead and made the mortgage payment which ended up being late. It was actually the second of two late payments.

In the meantime, I wanted to have them cancel the escrow so my property manager and I could work directly with XXXX XXXX to dispute and lower the property taxes each year. PennyMac refuses to cancel the escrow because of the late payments. This after they actually basically TOLD me to default on my payments while it was in the loan modification process! I argued my point with a manager for half an hour to no avail. They won't release the escrow. Also, they keep trying to have me talk to collections to get some kind of program to help me, even though I have already been told by their collections department that they don't have any programs to help a non-owner occupied property loan client. It's like they are just pushing me off on someone else so they don't have to deal with me.

I have never been treated so unfairly and with such little respect.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I made 2 orders from XXXX within a few minutes of each other .on XX/XX/XXXX. 

On XX/XX/XXXX, nd they still said " Pending ''. This is very strange usually within XXXX XXXX they are approved. I got ahold of XXXX. The girl said Wells Fargo has not approved the orders. I said to her " well they sure have already deduced my money from my checking acct on XX/XX/XXXX. " I felt upset with Wells Fargo so I said just cancel my orders. So she did. She suggested I call my bank, so I did and opened a claim. XXXX XXXX XXXX XXXX All was fine for a couple of days or so I thought. Then I called Wells Fargo back and said when is my money going back in. 

I was transfered to differant people who all gave DIFFERANT stories to me. One tried to say it was never taken out, I know it was!! One said it was already back, nope I can add and subtract it was never put back in!! At that point Claims people became rude and nasty to me. When I said the bank has made a big mistake .I want my money back into my checking account. " This is from my XXXX XXXX XXXXXXXX XXXX. If you do not give it back I am reporting Wells Fargo as it is illigal by Federal law to steal a person 's XXXX XXXX money!!! " ( Personally I feel this is a computer glitch issue. XXXX did get the money .BUT after I did the cancelation of my 2 orders. 

**** They gave me the Return Authorization XXXX XXXX for XXXX AND XXXX for {$17.00} totals ... {$68.00} That Wells Fargo owes me !!! **** I am a XXXX XXXX XXXX XXXX XXXX XXXX I do not do online banking. But I do use the Automated System that you call on the phone to balance my acct. 

*** At first it said about my 2 withdrawals coming out of my account the {$51.00} and the {$17.00} and the Pending credits back. 


BUT ... Then after I spoke with the nasty Supervisor. She did somthing that deleted the transactions coming out of my acct and the Pending credits going back in!!! 

I recieved a letter today XX/XX/XXXX th that they closed the case on XXXX XXXX XXXX XXXX. Like XXXX XXXX after I opened it!!! 

I am a XXXX XXXX XXXX XXXX with only a XXXX XXXX XXXX XXXX to live on. My {$68.00} is alot of money to me and I need and want MY money back into my checking acct. 

Some very illigal things have been done to me surrounding this Claim and I want it fixed.!!! 

I have been with Wells Fargo for XXXX XXXX and had my XXXX and XXXX direct deposit with WF for many years. In the past the claims depts has been very nice and helpful to me. But in the last XXXX  years I do not know what is going on with my bank. They are really going downhill. 

Why does WF want to keep my {$68.00}. ( Gosh we are not talking about a mistake of 1000s of dollars. ) Just XXXX after all. But it is MY money and I want it back into my checking. 
I run out of money to even buy food by beginning of 3 rd week of the month each month XXXXThen I must go to XXXX XXXX. And the bank steals my {$68.00}.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

unfortunately, I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6
Consumer complaint received 2024-07-24
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: EQUIFAX, INC. (GA)

MY NAME IS XXXX XXXX AND I AM NOT A XXXX XXXX AM A NATURAL PERSON SUBMITTING THIS COMPLAINT ON MY OWN BEHALF. 

RE : TRAFFICKING BLOCK REQUEST Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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  Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act [ 15 U.S.C. 1681c-3 ] Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Trafficking documentation, FTC report.
Consumer complaint received 2023-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (OH)

I have filed a complaint in XXXX. The results were not in my favor. I was scammed out of {$96.00} and Key Bank or this Consumer Finance Protection Bureau did nothing to protect my assets. The letter written to you was nothingjust fluff. She didnt have the numbers correct. The so called company scammed twice both times charging twice. Yes they gave back three of the charges only to keep the largest amount. I know that I am just a nobody to you. A single XXXX XXXX XXXX woman on XXXX. That money was intended for XXXX presents for my grandsons. I really thought writing to you would get action.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

U.S. Bankruptcy Court
Consumer complaint received 2024-07-23
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. (GA)

I am submitting this complaint against Equifax XXXX XXXX due to their failure to accurately report my credit information, which has severely impacted my life for the past two years. I am devastated by the ongoing struggle with both Equifax and XXXX  to correct inaccuracies on my credit report. This situation has profoundly harmed my life, preventing me from obtaining employment due to a lower credit score than I deserve. 
The inaccurate reporting is not only misleading but also fraudulent, misrepresenting my overall financial health. Despite numerous dispute letters and formal requests for correction, Equifax continues to report incorrect information. This has led to embarrassing situations, such as receiving debt collection letters that my mailman can see, all stemming from the mishandling of my information by credit reporting agencies. 
These agencies are not adhering to the standards required by law, and I feel helpless. 
Specific Issues : - Equifax XXXX XXXX continues to report inaccurate information despite my repeated disputes. 
- Equifax XXXX XXXX has not provided the names, dates, or contact details of individuals they spoke with during their investigations. 
- Outdated and incorrect personal information remains on my report. 
- Equifax and XXXX is violating my privacy by reporting this information without my written consent as per 15 U.S.C. 1681b. 
Supporting Documents : I have attached multiple dispute letters and affidavits sent to Equifax and XXXX, detailing my issues.
Consumer complaint received 2023-03-18
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: EQUIFAX, INC. (OR)

On XXXX XXXX XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-23
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: EQUIFAX, INC. (GA)

I am submitting this complaint against Equifax XXXX XXXX due to their failure to accurately report my credit information, which has severely impacted my life for the past XXXX years. 

I am devastated by the ongoing struggle with both Equifax and XXXX  to correct inaccuracies on my credit report. This situation has profoundly harmed my life, preventing me from obtaining employment due to a lower credit score than I deserve. The inaccurate reporting is not only misleading but also fraudulent, misrepresenting my overall financial health. 

Despite numerous dispute letters and formal requests for correction, Equifax continues to report incorrect information. This has led to embarrassing situations, such as receiving debt collection letters that my mailman can see, all stemming from the mishandling of my information by credit reporting agencies. These agencies are not adhering to the standards required by law, and I feel helpless. 

Specific Issues : - Equifax XXXX XXXX continues to report inaccurate information despite my repeated disputes. 
- Equifax XXXX XXXX has not provided the names, dates, or contact details of individuals they spoke with during their investigations. 
- Outdated and incorrect personal information remains on my report. 
- Equifax and XXXX is violating my privacy by reporting this information without my written consent as per 15 U.S.C. 1681b. 

Supporting Documents : I have attached multiple dispute letters and affidavits sent to Equifax and XXXX, detailing my issues.
Consumer complaint received 2024-07-03
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (TX)

I got a XXXX credit card because it gives free XXXX XXXX fixes. On same day of account opening, in credit card they charged around XXXX dollars for putting on new XXXX etc., I didn't take any of their services except fixing XXXX XXXX on the same day ( again it is free of cost since I applied for XXXX credit card on the same day ). 

The XXXX dispute center rejected saying I only got services like getting new XXXX etc., It is blatant lie.
Consumer complaint received 2024-10-12
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. (GA)

*** NOTE ; This Complaint has been formatted for submission to XXXX XXXX in the event of non-performance by any of the Defendants. The word court as used herein is interchangeable and refers to the CFPB, FTC, XXXX  or whichever agency this complaint is submitted to. 

Failure to perform will be construed as exhaustion of my private administrative process and I will pursue multiple appropriate actions with each and all of but not limited to the following : XXXX XXXX, the Attorney General, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and the FTC. 

This complaint HAS NOT been filed in any court of Law at present. 

To prevent the loss of formatting, to preserve readability, to protect my personally identifiable information and for the convenience of the parties SEE ATTACHED COMPLAINT.
Consumer complaint received 2024-10-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Security National Financial Corp (UT)

Refinanced mortgage XXXX XXXX XXXXXXXX, loan XXXX charged XXXX origination and all other loan fees. I feel she was being predatory as XXXX XXXX and she was trying to take advantage of me, she ended up giving me a credit back due to exceeding section XXXX guidelines. Then she continued to harass me after closing after I told her not to contact me ever again.
Consumer complaint received 2024-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Delta Management Group, Inc. (MN)

Incorrect debt reporting by XXXX XXXX  on my credit report and banking history. 
In XXXX, XXXX XXXX  accidentally deposited approximately {$2000.00} into my account. I was unaware it was a mistake by XXXX XXXX  and, like any reasonable XXXX  I, assumed the funds were mine and used them. A few weeks later, XXXX XXXX  informed me that the deposit was an error on their end and that I was responsible for repaying the amount. They charged me for the full amount plus late fees without offering sufficient time or options to address the issue and quickly sent my account to collections for {$2500.00} Despite this, I paid off the debt in full. Now, two years later, I discovered that XXXX XXXX  is still inaccurately reporting this debt as unpaid, which is impacting my credit report. This error has resulted in my being declined by multiple financial institutions and has caused significant damage to my credit standing. 

I have attempted to resolve this directly with XXXX XXXX, but they claim the debt does show up as taken care of but its unpaid in their system, even though its still affecting my credit. This inaccurate reporting is not only unfair but also misleading and has caused me ongoing financial distress. 

I am requesting the CFPBs intervention to ensure XXXX XXXX  corrects my credit report and that this erroneous debt record is fully removed. I also believe XXXX XXXX  should be held accountable for the undue harm this has caused to my financial reputation.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am a victim of identity theft and the paperwork showing this with the FTC report was sent to the credit agencies. They did not attach this paperwork to my disputes according to the FCRA and did not send me copies of the verification process.
Consumer complaint received 2024-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CA)

Requested validation of the debt National Credit Systems is reporting to my credit report but was never sent validation of the debt as entitled to me by the FCRA. Was told I had to complete a form and file a report with law enforcement. This company has been unable to provide any written agreement that includes my written signature and consent to access my credit report or private information in the first place. This company continues to post negative information to my XXXX report only. XXXX and XXXX have completed investigations on my behalf and confirmed this company is unable to validate the debt. National Credit System continues to report to my XXXX report regardless of my rights and requests for validation. 

Attached is a screenshot and pdf attachment that includes National Credit System 's latest response to me. Also attached the initial letter I sent to them detailing the inaccuracies and errors on my credit report. 

Please help to end these abusive practices and remove this account from my XXXX credit report immediately.
Consumer complaint received 2024-08-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Alorica Inc. (TX)

Basically, I paid the full loan but only received half. And was lied to for month by SST. Now I dont have my money and Evolve cant locate my account. 


Details : My seedfi loan was the type of loan you pay in full but the only release half up front and half once everything is paid. Not counting interest. 

I paid on it for years, never missed a payment. Last year a new company took over the loan payments to service XXXX. 
Their name is SST or System and Services Technologies Inc.

I kept making my payments and paid off the loan through SST in XXXX. I was informed that my savings funds were now unlocked and would be sent to me in 3 days. 

Its been a month and after calling weekly to check on the funds I have been told that the funds were at XXXX XXXX  and XXXX but due to the fact that they dissolved their relationship with XXXX  ( the bankrupt fintech brokerage company ). 

No resolution has been made and now with the FDIC involved I will need to wait for them to hopefully find my account during reconciliation so I can receive some of my funds. 

My question is that if SST knew about the bankruptcy for a year why did they allow me to make payments this entire time and tell me that I would get my funds after I paid it off? Its written on their website. Very misleading
Consumer complaint received 2024-08-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: DriveTime (IL)

I bought a car at drive time, paid for an extended waranty, within the first few months the vehicle was no driveable due to the engine being bad. Since XXXX I personally have paid over {$9000.00} out of pocket for the vehicle plus the vehicle has had upwards of {$15000.00} in repairs ( paid for by both me and by the extended warranty ) It sat in the shop for at least 3 months and now again is experiencing issues that are estimated to be well over {$3000.00} to repair. The vehicle for lack of a better term was a " lemon '' yet since there are ZERO laws to protect consumers I cant return it as a defective product. The warranty escalated the price to {$5000.00} more than it was worth and yet covers less than XXXX of the repairs it needs. Why does the government allow a company to sell cars, using their own finance company, charge you for the warranty they are providing you and then decline making repairs so that you can then again be victimized when the warranty says nope not covered? shouldn't the dealership, financier and warranty all be separate entities? Why is one person allowed to run all of them and subject tens of thousands of people to the most despicable predatory lending and defective products?