davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-08
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. (GA)

Subject : Dispute Letter for Unauthorized Hard Inquiries on my Credit Report Dear Sir/Madam, I am writing to dispute certain hard inquiries listed on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ) in U.S. CODE 15 U.S.C. 1681 et seq. Section 604 specifically addresses the permissible purposes for obtaining a consumer credit report, and I believe that the inquiries listed on my credit report were not made with my written authorization. 

Here are the details of the unauthorized hard inquiries on my credit report : Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX  Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX  Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account XXXX : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated I have not applied for credit or authorized any of these companies to access my credit report within the time frame these inquiries were made. As a result, I am formally requesting that you investigate the accuracy and legitimacy of these hard inquiries and, if they were made without proper authorization, remove them from my credit report in accordance with the FCRA. 

Please provide me with a copy of my updated credit report once these unauthorized inquiries have been removed, as required by the FCRA. Additionally, I request that you provide me with a written explanation of the results of your investigation within the statutory time frame. 

I kindly request that you initiate the investigation process as soon as possible and notify me of the results within the 30-day period stipulated by the FCRA and provide me with the proof you obtained as required by U.S. CODE 15 U.S.C. 1681 et seq. Section 604. 

Under the FCRA, you are obligated to ensure the accuracy of the information contained in my credit report. Failing to do so can result in legal consequences, and I trust that you will handle this matter promptly and in accordance with the law. 

Thank you for your prompt attention to this matter, and I look forward to receiving confirmation of the removal of these unauthorized hard inquiries from my credit report.
Consumer complaint received 2016-10-31
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

XX/XX/XXXX and XX/XX/XXXX I was refinancing my house. I had a loan through Penny Mac. My new mortgage company XXXX XXXX XXXX and title insurance Company XXXX XXXX XXXX reached out to Penny Mac to get the pay off amount for the loan. A few days after this number was discussed, Penny Mac sent a check to FEMA on my behalf. This changed pay off numbers. The refinance happened and around XXXX XXXX, Penny Mac reached out to XXXX XXXX about the discrepancy. On XX/XX/XXXX, I reached out to XXXX XXXX because I had received a notice from Penny Mac that my mortgage was late. I have since received a check from FEMA that my account was paid in error. I am trying to resolve this issue, but have been given XXXX different amounts from Penny Mac as to what I owe. I am completely confused as to how a company can have so many different numbers as a balance on my account. I am willing to pay the amount that they paid extra to my escrow to FEMA but I do not feel liable for the interested and added fees that are added on to this account. I keep being told that someone will return my call but each time it is at least 2 days not the 1 promised. 
I am a XXXX military member and I have a title insurance company helping me out. I can not imagine the stress this would put on someone else in my situation. I have XXXX XXXX and the stress of this is causing me physical pain. I would love this issues addressed quickly and with no further confusion. I would also love for someone to look into the constantly changing numbers on my bill. It was {$1000.00}, {$1300.00} ( I scratched this one out in my notes so it might be off ), and {$1700.00} all in a 20 minute phone cal on XX/XX/XXXX. The first letter I have says {$1600.00} and the second one {$820.00}. The phone call on XX/XX/XXXX said {$1500.00} and the final call today stated {$1500.00}. This last amount was also included in an email and an hour later they decided they could be gracious and knock {$100.00} off since I was concerned. 
I know you are n't supposed to mention feelings in a business letter, but I feel like this is one big joke. Penny Mac paid FEMA despite not having to. Penny Mac waited over a week to address the issue with XXXX XXXX who sent the money. Penny Mac waited 2 weeks to reach out to me. How is this my almost {$2000.00} mistake? Penny Mac is a big corporation and it would say much more about their character if they could XXXX lose on a mistake they made. It makes me curious how many thousands of dollars in their income is due to problems they caused but would not own up to. I work hard for my money both my military pension and what I get from working in XXXX and I do n't have {$1700.00} to hand over due to a clerical error on the part of a huge corporation!
Consumer complaint received 2015-06-23
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc. (VA)

I have submitted a previous compliant related to the issue I am encountering ( XXXX ). After filing my compliant, I reached out to my mortgage lender again on XXXX attempting to obtain my mortgage payoff quote. I was finally able to receive it, however, it was incorrect. XXXX revisions have been made by Seterus to my mortgage payoff statement to date, and it still has not resolved the problem. I am now 4 days away from closing, and Seterus still has not provided me a correct mortgage payoff quote. Seterus is still including my homeowners year premium in their payoff quote, despite the fact myself and the lender I am due to sign with on Friday have repeatedly contacted them requesting the homeowners insurance be removed because the yearly premium is being included in the closing costs for our new loan. I called Seterus again today seeking a updated and correct payoff quote, and was told they require 7-10 business days to process the request, and the earliest I can obtain the information is Thursday, XXXX XXXX and there is no guarantee I will. Seterus ' inability to provide me with a correct mortgage payoff statement is jeopardizing my refinance and they seem unfazed by the federal regulation requiring they provide a mortgage payoff quote no later than 7 business days after request.
Consumer complaint received 2015-11-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (NC)

On XXXX/XXXX/2015, I contacted Equifax concerning several hard credit inquiries appearing on my credit report. These inquiries were made by third parties who DID NOT have my permission to pull the report. I made Equifax aware that the companies/organizations who gained access to my credit report had no permissible purpose under the Fair Credit Reporting Act and that Equifax had the responsibility under 15 U.S.C. 1681i ( a ) ( 5 ) to remove credit inquiries occurring without obtaining permissible purpose from the consumer. Over the past 3 months Equifax has ( 1 ) refused to make the violators prove that they had permissible purpose and ( 2 ) refused to remove the inquiries from my credit report after failing to obtain permissible purpose from the violators.
Consumer complaint received 2016-12-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

On the XXXX of XXXX Bank of America closed my account in error. I immediately called abd spoke to XXXX who was working in BoA compliance and was assured this was a bank error and would be fixed within 24 hours. The account opened again and then 12 hours later closed again. 

I rang again and talked to XXXX in BoA compliance ( XXXX ) who said that she would sort everything out as this was a bank error, and that no check had been issued on the closed account. She assured me that it would all be cleared ad back to normal by the XXXX of XXXX and to please wait until then. 

I did this. On the XXXX of XXXX I rang again and BoA told me that a check had been sent on the XXXX - to which I replied that I had been assured this would not happen nor would it be sent. The customer service representative said all she could do was put a stop on the check and to please wait for 7 days for it to clear. In the meantime I traveled to the US only to find that my funds were still not cleared. I went into a Bank of America branch in XXXX and they said there was n't anything they could do and I should call BoA again. 

Today now the XXXX of XXXX after spending 1 hour and 20 mins on the phone all the representatiives have told me that there is nothing that they can do as it was a cashiers check which has been sent to my XXXX address and that I either have to wait 90 days before they will credit me my money or post the check back to them which means I have to wait for another 3 weeks until I go back. 

So for the past 21 days I have not been able to access my own money of {$6700.00} and they have told me that I will not be able to access XXXX until I either send the check that they shouldnt have sent or another 90 days. 

As far as I am concerned this is completely unacceptable behavior for a bank when they made the error and should have immediately credited my funds back. So here I am visiting the US without access to any of my funds.
Consumer complaint received 2016-07-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

After signing up for automatic payments with Ditech they coded several payments as principle only and did not apply them to our bill and now they are trying to charge us for late fees. I have called the company three times and they told me it is not my fault and they will take care of it but I just received a letter informing me they are trying to collect a debt. I do not owe them anything as all my payments were made on time through their automatic payment plan.
Consumer complaint received 2017-02-08
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A. (PA)

I used PNC Bank. On XXXX2016, I ordered a check to be sent to my landlord, XXXX XXXX from PNC via their bill pay service. My landlord contacted me on XXXX to say she never received the check. The check was cancelled, but two days later it was found to have been cashed at a XXXX back. I had to write another check to the landlord to cover the rent. The dispute process was started, my landlord signed an affidavit and had it notarized stating that she never received the check. The check itself was cashed at a XXXX bank, and it was endorsed with my name ( XXXX XXXX ) as an obvious forgery. Clearly whoever cashed the check did not check for identification. PNC stated that the needed 4 months to complete the invesitagation, which was on XXXX/XXXX/2016. There response was that they had not heard anything from XXXX bank, and they suggested that I contact XXXX bank to solve the problem. I do not have any connection with XXXX bank. I followed PNc bank 's process to the letter, and I have done nothing wrong. Dispute number : XXXX Spoken to XXXX XXXX in customer service online message center.
Consumer complaint received 2016-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

In XXXX I bought a home, with XXXX XXXX XXXX as the mortgage holder, it later sold the mortgage to Green tree and last year Green Tree changed it 's name to Ditech. During the process of change over one year ago. The mortgage has always collected the escrow for wind, home and flood insurances plus taxes. Last year my mortgage total came down it was a steady {$1500.00} + for all the years I 've owned the home, it dropped to {$1300.00}. I called everyone because I knew there was a mistake and got nowhere. Last month I got the escrow analysis and then the new mortgage billing and my total mortg & escrow went up by whopping over {$470.00} a month! I called Ditech several times, today a manager said that last year Ditech did not collect escrow for XXXX of the policies but that they paid. Because of that they say I now have a deficit of over XXXX and hence my higher mortgage payments. The Ditech manager XXXX admitted they made a mistake. I asked for a copy of XXXX 's escrow analysis and she told me she could not see it in the system, then she found it on some " other system ''. I asked for a copy of it to be sent to me, faxed, e-mailed whatever and she said she could not. 
I have called for weeks and hours trying to find out the truth. The manager admits they made a mistake, that now I 'm paying for. I do not trust them. They keep pushing me to refinance with them or extend the loan, every time I call and by mail. I do n't think I should be paying for their mistakes and I do not trust their numbers. I think they did this on purpose so that I 'd be force to refinance with them or extend the loan another 30 years. I 'm nearing XXXX and a jump of {$400.00} additional moneys every month is hard to do. I 'm beginning to feel this is a game for them and of course we the consumers are always at fault right. Wrong! She admitted they make the mistake! I have excellent credit and a lifetime of paying my mortgages and debts, I think they want to create a problem or cause a problem for selfish, greedy reasons. This company needs to close their doors and be thoroughly investigated ....
Consumer complaint received 2021-03-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Management Recovery Corp. (NMRC) (CA)

On XX/XX/2021 at approximately XXXX XXXX from an unknown number National Management Recovery Corp contacted me about a debt to them. I was never contacted or made aware of this until this point. This was the only correspondence I received about them. I was told they were going to take this to court? But there is nothing sent to me about this. They have made threats to take to court and have put on public record for a debt I have no clue about and when asked they were very defensive about relaying any information. I was threatened that if I didnt pay the debt off they would process and take to court with supposive allegations that I was defrauding. I repeatedly asked for confirmation about this debt and and yet, still nothing that says what this is about and as I told them I never heard of XXXX and the lady kept repeating the same thing, that they would take me to court if I didnt pay that day. This company tried to use a scare tactic to get me and my mother to pay. I called the XXXX County court and was told no such lawsuit exists with them! They called me, threatened to sue, that my credit would be tarnished and that they would contact my employer. I have your voicemail recording and I also recorded the conversation we had.
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NC)

Navient held my student loans and through advise to take deferments rather than an income based repayment plan My loans balloned to over XXXX dollars. Navient then gave my account to XXXX, a collection agency who demand payment that could not be made, reported my account as in default to the credit bureaus and garnished my social security check. Multiple phone calls and letters trying to arrange a reasonable payment plan produced no results from XXXX. Then XX/XX/2015 my account was mysteriously return to Navient for servicing ; the process started again. I then consolidate my loans with XXXX to avoid having to deal with Navient. Due to their complete and total mishandling of my loans my loans have soared to over XXXX dollars. This has destroyed my credit rating and has made it impossible to buy a house or even a car at reasonable interest rates.
Consumer complaint received 2017-01-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (WI)

I received a free listing or insertion fees promotion from Ebay. I 've bought about XXXX items and then XXXX more recently for a camera I was going to buy. This was the first time I was selling XXXX extra lenses I had. So I looked through EBay 's website for more information and see if there are additional fees involved and I could n't find anything from EBay 's promotion or website. I was charged {$35.00} by invoice recently which was a surprise. I called the company and may have been hung up on, but was told they would not waive the fees for my situation. I 've learned since the invoice of their final value fees, but I was looking in the wrong pages on their website and it was not clear to me previously. I believe it is unfair and deceptive to new sellers. There should be a fees estimate when you are ready to list an item based on recently sold items or a manually input sales price and shipping expense. It was not clear to me how these fees were calculated or when they would apply, although I have a better understanding of it now. If I would have known how much the fees were ( including Paypal, which was also not stated ahead of time and unclear what they charge, but a bit lower fee so I paid it ) I would have listed them on XXXX for free at least initially. I think Ebay should make there fees more visible as there are many items in front of the fees that draw you away, and you need to scroll down multiple pages to start finding out more information. Finally, the listing has an asterisk on selling fees in fine print, that I learned of after the sales, but does not provide more information. 

In conclusion, there are likely hundreds of thousands of people who have attempted to sell items, but did not know of the selling fees until after their first sales. I think it 's wrong, unfair, and deceptive and would like my money returned for these XXXX sales at the same time that resulted in the fees.
Consumer complaint received 2016-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

Credit report disputed but no written resolution received. 
FHA loan Short Sale. 
Due to FHA guidelines I was required to be late on my mortgage, jeopardizing my livelihood with high interest rates, increased insurance premiums due to this requirement. 
I also hard a medical hardship. My property was listed on XXXX XXXX, XXXX and was not approved until XXXX XXXX, XXXX. On several escalations to XXXX XXXX were completed along with a conference call with the Short Sale Processing Manager and underwriting director. 
The first processor, XXXX XXXX on XXXX XXXX, XXXX denied my short sale application incorrectly. 
There were XXXX managers involved ; namely : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX Along with escalation to FHA, Lender 's market value was less than the sales contract. First buyer terminated due to numerous delays and listing agent was able to secure a new buyer in XXXX XXXX.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (MI)

I HAD A FRAUD ALERT PLACED ON MY CREDIT REPORT. I HAVE RECENTLY TRIED TO HAVE THE ALERT REMOVED, BY CONTACTING THE AGENCY, HOWEVER WAS NOT ABLE TO SPEAK TO ANYONE REGARDING THE REMOVAL OF THIS ALERT
Consumer complaint received 2015-10-09
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

In XXXX, my ex-wife and I finalized our divorce. In the divorce filing she fully relinquished all interest in our home to me. At the time our home was in the negative and had no equity. Our home had a 1st and 2nd mortgage with XXXX. Because of the divorce and reduced income I could not afford the payments and the home went into foreclosure. 

In XXXX, my ex-wife filed and received a chapter XXXX discharged bankruptcy which included her interest in the 1st and 2nd home loans. 

In XXXX XXXX, I received a " Cancellation of Debt '' IRS XXXX from the 2nd XXXX on the house, which was no longer from XXXX, but now held by " Greentree Servicing. '' The XXXX was for {$72000.00} I filed XXXX in my XXXX income taxes. I checked my credit reports and all XXXX bureaus reported that I was in arrears in the XXXX XXXX loan. I wrote XXXX letters to Greentree about the XXXX and the fact that it was being reported as being " late payments. '' Greentree wrote back to me and indicated they had no record for me having a loan with them even though, I had provided my SSN and account number. This scenario went on for many months. 

In XXXX, I reached an agreement and a loan modification on my 1st mortgage with XXXX and managed to keep my home. I currently reside in the same house. 

In XXXX, after I made several calls to Greentree, and after being told that they had no record of me, one of their representatives found my loan record. He advised that my loan could n't be found because it was a " Closed and Released '' file and that it was no longer considered collectable. I explained to the representative that there was negative reporting on my credit reports and an existing lien on file against my home by their firm. He promised me that it would be corrected. He said they would report that my account was closed and " charged off. '' He also told me that they would " XXXX '' the XXXX XXXX lien against the house since the debt was dismissed and I had already received an IRS XXXX in XXXX for the debt. 

As promised, Greentree did eventually stop the negative reporting on my credit reports. 

The existing problem and my complaint is that I checked with XXXX title companies and XXXX XXXX XXXX XXXX and Greentree has not removed the XXXX XXXX lien against my house and reconveyed the lien as promised. 

In the last month, I called Greentree in regards to this matter and they once again are telling me there is no record of me or the loan and therefore they can not reconvey the XXXX since they have no record of it and it basically does n't exist. 

I need your help in getting this XXXX XXXX lien removed/reconveyed against my house since that is what I was charged for in the XXXX - XXXX tax form and was promised by Greentree when they told me told the loan was " Closed and Released. ''