davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-03
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

I have been behind on several payments due to being unable to work and living solely on XXXX pay with my wife and XXXX kids. My wife is my XXXX through the XXXX so she cant work but is a XXXX and has filed as a XXXX through the XXXX. We are waiting on those results. All 3 loan mod payments were made in the month agreed except for XX/XX/XXXX, which was made a day late on XX/XX/XXXX. I spoke with PennyMac about this and was assured everything would be ok. I have also been in contact with a HUD company called XXXX XXXX XXXX XXXX XXXX which tried to send a third party request to stop foreclosure. PennyMac did not. This is my XXXX coordinator in which when she talked with PennyMac was lied to about everything. XXXX XXXX XXXX XXXX & XXXX XXXX XXXX & XXXX XXXX HUD XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Please note we moved to the XXXX XXXX  XXXX, AZ XXXX ( XXXX ) XXXX Main ( XXXX ) XXXX Direct ( XXXX ) XXXX Fax Here is the agreement and PennyMacs own payment statements for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please help. I have a hard time with day to day activities and XXXX kids who depend on me. Finances have recently freed up about {$1200.00} so my mortgage should not be an issue making.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-06-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: United Shore Financial Services, LLC (VA)

This is the email we sent to all XXXX companies involved and no response. 

This letter is intended to resolve XXXX way or another all the issues we had with the loan process and closing. Our daughter XXXX XXXX started her process XX/XX/year> for a first time home buyers loan. She was not told she was not eligible for this type of loan, her father was told XXXX weeks after she signed the declaration that she did not qualify for first time buyer and that she would need XXXX XXXX down due to a non-arms length transaction per XXXX conversation with XXXX and XXXX. At this time it was suggested that she do an equity gift letter. The first gift of equity letter was XXXX, which changed several times. They also changed her information several times and could not give a valid reason. Once we conducted our own research into this she was still eligible for XXXX XXXX due to the very first exemption per FHA guidelines, that it was her grandfather 's primary home. This information was sent to XXXX so they could reevaluate and provide new numbers and documents. XXXX and XXXX then stated they could use the gift of equity letter for closing cost and down payment. We ask where this money was coming from and it was told it would not come from either of us. It would come from equity gift letter. Finally, it was time for closing, and we were given a date and all numbers appear to be correct. While in closing we were informed the fees were coming from the estate account. So all fees came out of the estate account, which is the sellers account. So in all actuality, the gift letter did us no good. It just changed that XXXX did not pay the closing cost or down payment, XXXX had to pay both out of the net. They also were told many times that we wanted to net {$110000.00}. We netted {$96000.00}, a difference of {$13000.00} This was never told to anyone the first time we heard of it was when we were closing by that point we were exhausted and had gone over and over this several times trying to find out where this money was coming from to only find out it was coming out of sellers funds. We did not want to hold up closing due to all the issues we already had so we continued with the closing. This should never have happened. You had XXXX mortgage representatives, underwriter and a lender reviewing this. If this can not be resolved, and the funds be replaced, we will take this to the XXXX XXXX XXXX and seeking other avenues. This whole transaction was handled so poorly, especially for a first time homebuyer and then for a family who is grieving a loss during the process. If I were any of the XXXX companies, I would be ashamed of the way you handled this and conducted your business. Please respond to this with a resolution so we can move forward for all of us. You XXXX contact XXXX XXXX XXXX Thanks for your time. 



Sincerely, The XXXX XXXX
Consumer complaint received 2023-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which vid rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Closed Account Names : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tenaglia & Hunt, PA (VA)

This company illegally obtained a judgment. They have a court date set for XX/XX/XXXX and the debt in now paid in full. The amount/percentage being taken has caused me a severe loss of income that has now put me behind on necessities and no money for food or gas, all payments are past due now. I have attached proof that this debt is paid in full as of XX/XX/XXXX and it is now in over payment. I CAN NOT afford XXXX a month to continue to come out of my paychecks for another XXXX months. Please CEASE garnishment ASAP. They are not returning my calls and have forced me to obtain my own attorney for the abusive and deceptive collection methods used.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (FL)

Request for Information under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681. I have attached copies of how XXXX and XXXX XXXX the inaccuracies in the different section on the account they im disputing.
Consumer complaint received 2024-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation (FL)

FICTITIOUS ACCOUNT OPEN UNDER MY PERSONAL INFORMATION WITH YOUR COMPANY ONE MAIN account # XXXX date open XX/XX/2022 I believe that I have been receiving communication from your company in relation to allege account. I assert my rights under the Fair Debt Collection Practices Act ( FDCPA ) and any other applicable Florida state laws ( FCCPA ), that all communication regarding this ALLEGE matter cease immediately. 

CEASE ALL REPORTING OR SHARING OF MY PERSONAL INFORMATION I HAVE Attach FTC REPORT, POLICE REPORT AND AFFIDAVIT OF FICTITIOUS ACCOUNT please remove and re-investagte
Consumer complaint received 2024-04-12
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (CA)

I sent this request to the servicer, Firstmark Services, regarding my private loan to attend The XXXX XXXX of XXXX on XX/XX/XXXX. 
Firstmark Services denied my request for cancellation of my private student loan on the basis of fraud and misrepresentation by the school I attended. 

" My name is XXXX XXXX, with Firstmark Services account number XXXX, loan number XXXX. 
I am writing for more information on how to apply for cancellation of my private student loans on the basis of fraud and misrepresentation by the school I attended. 
I attended The XXXX XXXX XXXX XXXX from XX/XX/XXXX XX/XX/XXXX This school has been recognized as a predatory for-profit school by the US federal government and by the Federal Trade Commission and has cancelled student loan debt due to the schools fraud and misconduct. 

I am entitled to a process for private student loan relief because of the schools fraudulent claims and misconduct. 
The school promised job placement, ease of obtaining a job due to the education received and higher wages due to the education and attendance to The XXXX XXXX. All of which did not occur. The school also alluded to the salary of these jobs would offset and be able to cover the high tuition in time, which it does not. ''
Consumer complaint received 2024-06-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/XXXX I made a {$300.00} payment via Venmo to a known party as a deposit for an upcoming vacation. The intended receiving party then advised me that they no longer could access the account I paid as it was no longer or not valid on Venmo. I checked the Venmo procedures on how to cancel this type of payment and I have been trying to " take back '' the payment in question using their procedures. Each time I do the system says the payment is " pending '' and can not be taken back. I tried back in a few days with similar results. As the intended receiver has no access to Venmo, the status will NEVER change to any other status. 
It has been XXXX  days since I made the payment and I am still getting the same result today. I decided to try and reach their Support group by phone. I explained the situation and was asked a number of questions including the bank I used to charge the payment from etc.. All of this should have been known to them. With XXXX years in XXXX XXXX XXXX XXXX XXXX I am very cautious about what information I provide. I was then asked to download a file called XXXX XXXX  and install it on my desktop. I expressed my concern about installing an executable file to my PC but I was told it was the only way I could get an immediate cancellation. However, I downloaded it and installed in a special secure environment. After that was done the person on the phone asked me for the ID and password that came up on the screen. I refused to do so and stopped immediately. After doing so the party on the phone said I was too stupid to understand what he was trying to do for me and hung up. 
XXXX XXXX  is a notorious application used by scammers to take remote control of a users desktop. Venmos methods are extremely unorthodox and subject members to additional risks. 
My money is being held XXXX with no way to retrieve it until Venmo permits it. They are clearly in violation of a number of rules a payment service provider is responsible for. Thank you. XXXX XXXX
Consumer complaint received 2023-08-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-04-12
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. (GA)

I've recently discovered an error in my consumer report which falsely indicates that I missed a payment on the account linked to Account Name : XXXX. I want to stress that I have an impeccable payment record for this account, and I possess evidence to support my assertion. 
Per 15 U.S. Code 1692j - Furnishing certain deceptive forms : It's illegal to intentionally create, assemble, or provide any document with the knowledge that it could deceive a consumer into believing that a party other than the original creditor is involved in collecting or attempting to collect a debt owed to that creditor, when in reality, such party is not engaged in any such collection activity.
Consumer complaint received 2024-06-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: NVR INC. (MD)

I am writing to file a formal complaint against NVR Mortgage Finance , Inc. regarding their handling of my loan process for a property located in XXXX XXXX. I believe that NVR has engaged in practices that are misleading and potentially predatory, resulting in significant financial and XXXX XXXX. The key issues I have encountered are as follows : 1. Lack of Communication Throughout the building and loan process, NVR has consistently failed to communicate effectively. Despite multiple inquiries, I have not received firm confirmation of the closing date, which has severely impacted my ability to schedule necessary utilities and equipment deliveries as well as move out of my current residence which has a firm deadline to move of XX/XX/2024. 

2. Prolonged and Uncertain Closing Date My original closing date was set for XX/XX/XXXX. It is now over XXXX months past that date, and the closing process remains rushed and uncoordinated. This prolonged delay is unreasonable and has caused considerable inconvenience. 

3. Mismanagement of Rate Lock and Float Down Option I paid XXXX XXXX of my loan ( XXXX ) for a rate lock and float down option with the understanding that if interest rates decreased, I could float down my original interest rate to a lower option and the {$30000.00} incentive XXXX homes agreed to would cover the remaining closing costs. However : - NVR did not communicate the true purpose of the float down option when it was offered. They continue to not directly answer my question on why the original interest rate isnt able to float down. 
- My inquiries about the float down option in XXXX, which would have lowered my interest rate to XXXX XXXX, were not addressed. My rate was not locked during this period because it fell outside the XXXX day window before the " closing date, '' leading to a significantly higher current interest rate. 
- Last week, I was given only XXXX days to decide on utilizing the rate float down, which is insufficient time to make an informed decision. 

4. Discrepancies in Closing Costs and Fees The loan estimate provided indicates significantly higher closing costs than initially communicated. Specific issues include : - An unexplained requirement of {$17000.00} in cash to close, despite already paying an XXXX XXXX XXXX ( XXXX ) of {$32000.00} and a XXXX XXXX fee for the rate float down. 
-A {$540000.00} property with a XXXX XXXX down payment should not result in total closing costs of approximately {$85000.00}. 

5. Potential Predatory Lending Practices The combination of poor communication, delays, mismanaged rate lock options, and significantly higher than expected costs suggests practices that align with predatory lending.
Consumer complaint received 2024-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TX)

Hi my name is XXXX XXXX, I am the owner of my Venmo acct, with routing number:XXXX ; an account numberXXXX. My account was frozen for zero reason an no explanation given. I tried calling, emailing, ect .... Still no REASON as to why my funds are frozen. I been a member over a year with averified account, an then this happens.
Consumer complaint received 2023-09-22
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. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX 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 XXXX
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

I tried talking to a citibank fraud call center rep ... and again got nowhere very fast... i requested him to facilitate unlocking 'temporarily '' the old checking account ( the account ending in XXXX that has XXXX deposited on XX/XX/year> is the blocked acct ; refer to the attached image files ) to transfer my direct deposited XXXX XXXX  check to my new citibank XXXX XXXX acct... but he said he couldnt send a verification code to any of the personal phone numbers i gave him ... that they were not " verified '' or trusted (?? ) ..so i am unable transfer my direct deposit money unless i go to a local citibank branch to resolve this issue ORb ith the help of CFPB!! 
XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (NY)

On XX/XX/XXXX I got an email from Concora Credit thanking me for " registering '' an Indigo Mastercard account. At the same time I received an email confirming my enrollment in paperless billing. One minute later another email saying my email address had been updated. It offered a number to call if I had not authorized the change. I never even applied for the credit card! I've never registered ANYTHING with Concora Credit and in fact, have never heard of them. I called the number and in order to be " connected '' it asked me to provide my 9 digit social security number. I did NOT do this. I attempted to try and find other numbers for this creditor - every number I called requested my social security number which I refuse to provide so hung up. Later that same evening, I received a Credit Karma email stating that a hard pull on my credit report had been added to my credit report. I logged into my XXXX XXXX account and there it was - CB Indigo. I never applied for this card. Today, XX/XX/XXXX, I received a letter in the mail stating that my account was temporary blocked and in order to " access '' my account I would need to provide a copy of my driver 's license OR my US passport OR a military ID card. I do not have an Indigo Mastercard nor have I applied for one. I haven't registered ANY cards with Concora Credit and have never heard of them. Someone is trying to open a credit card using my personal information, made an unauthorized hard inquiry on my credit report and are now trying to obtain my personal identification numbers! How do I get this hard inquiry off of my credit and how do I get this account closed and report the fraudulent activity? There are no numbers to contact that do not require my social security number and I refuse to provide that.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (IL)

About a year ago, I paid nearly {$12000.00} for a trip scheduled for this month. Several months ago, the trip was canceled, and the money refunded to my credit card at Wells Fargo. Last month, another canceled trip resulted in an {$800.00} refund. That refund also went to my Wells Fargo credit cardI. I have asked Wells Fargo repeatedly to send me the refund, and they said they would, but they have not. As a result, I have a credit balance of more than {$12000.00} on a card I rarely use, and I want the cash instead of having it sit there as a bank credit. I need you to make Wells Fargo send me the refund without further delay. They also should have to pay me interest for the delay.
Consumer complaint received 2024-06-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (FL)

Professional debt Mediat is trying to collect a debt in the amount of {$9900.00} that is claimed to be owed by me from a previous residence during the covid-19 pandemic. During that time late fees were waived and tenants were given the options to move out and be released from their rental contract without penalties. On XX/XX/scrub>XXXX XXXX XXXX my information was sold to this company and they constantly calls me harassing me to pay. There was no debt when I moved out. I was also protected under the pandemic housing protection in the state of Florida during the pandemic and this debt is a result of late fees and charges I am not aware of. This has becoming very difficult for me moving forward has it sits on my credit and I am not able to rent any property due to this information.