davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

PennyMac USA Loans Loan # XXXX I have tried calling PennyMac and can never get through and only hold to wait for a representative to answer for over 43 minutes each time, total 1 hour 33 minutes. I have received conflicting statements regarding my escrow payments and total payment and total payoff. 
1. PennyMac continues to pay from my escrow account PMI for XX/XX/XXXX, XXXX XXXX scheduled to pay PMI on XX/XX/XXXX and the loan was closed XX/XX/XXXX and paid in full XX/XX/XXXX ; see attached documentation. 
2. The loan payoff amount was paid in full from XXXX firm and this did not include monies from our suspense fund. See attached documentation 3. I called XXXX  XXXX XXXX XXXX and was told an insurance check refund of {$330.00} was mailed BACK to PennyMac who will send us the {$330.00} check. But I have not received a check for that amount. The only check I received was {$2.00} ; see attachment. 
4. PennyMac continues to falsify information and documentation in an attempt to keep monies owed back to us. See documentation. 
5. The respondents own response to the previous complaint Dated ( XXXX ) XXXX conflicts the new documentation I have attached. 
Please help us recover All monies due back and keep PennyMac from harming us financially. Your attention is greatly appreciated. 
Respectfully XXXX XXXX
Consumer complaint received 2022-11-16
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NCB Management Services Inc. (FL)

Please submit copies of the legal notifications and documentation of the subject vehicle 's selling commercially acceptable. 

If no proof of a deficit is produced within 14 days of receiving this notification, the purported claim of a deficiency will be void, and any further collection efforts or reporting of this invalid claim on my credit reports would be considered a violation of the FDCPA and FCRA. 

In addition, if you can not comply with the requirements above individually or collectively, I retain the right to pursue damages from all parties under all applicable State and Federal legislation and UCC - 9 remedies.
Consumer complaint received 2022-12-29
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: TRUIST FINANCIAL CORPORATION (NC)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states " I have the right to privacy. '' 15 USC 1681 section 604a section 2 it also states " a consumer reporting agency can not furnish an account without my written instructions. '' Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2021-01-04
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: Experian Information Solutions Inc. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. This company is very unprofessional! I also sent them a copy of the police report. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

I recently pulled my credit report and noticed four hard inquiries on my report without permissible use. According to the FCRA, they should be removed. 
CLARITY SERVICES INC Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX FL, XXXX Line of credit on behalf of XXXX XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX SD, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX C/O XXXX XXXX XXXX XXXX FL, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX  nquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Rental on behalf of XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2022-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I had a cash withdrawal that was drawn out of two separate checking accounts in the amount of {$9500.00} and unauthorized by me, these were reported to the Bank of America fraud department within a few hours. On XX/XX/XXXX another 2 cash withdrawals were taken out of XXXX separate checking accounts in the amount of {$5300.00}, again unauthorized by me. Bank of America was again contacted within a few hours and gave me a case number and said they would investigate. 

After no correspondence about how the investigation was going, I went to the bank on XX/XX/XXXX to ask about the status of the original claim and to ask for a temporary credit, since I read it was customary for the bank to provide a temporary credit after 10 days. The bank representative told me that there were not a lot of notes on the case and the fraud department representative said they could not give me a temporary credit because of the nature of the withdrawal ( cash/check withdrawal ). 

On XX/XX/XXXX called the fraud department again asked for the status and a temporary credit. This time was told I was not able to get a temporary credit because the withdrawal slip that they pulled was not legible. This representative told me it should be resolved in the next few days. After hearing no updates, went into the bank in person on XX/XX/XXXX and was unable to talk with the fraud department because they were closed and the bank representative was unable to do anything since there was a freeze, lockdown on all the accounts.
Consumer complaint received 2023-01-22
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FirstPoint Collection Resources (AL)

This company is a debt collector and has put information about me on my XXXX  report. I have no affiliation with this company nor do I know who this company is. I have not given them any permission to use my information.
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo ( WF ) reports the correct loan balance to CFBP, and to consumer, but inaccurately reports the balance to credit reporting agencies. Wells Fargo in its documentation to CFBP accurately reported a mortgage balance of XXXX ( see page 2 of their response to my last complaint ) but reports a balance of {$86000.00} ( see attached screenshot ) to the credit reporting agencies for the month of XXXX. When I presented this to them they refused to correct it with credit reporting agency in their letter.
Consumer complaint received 2021-01-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

we have an 80. 20 mortgage and during covid applied for a 3 month deferment and at the end of the 3 months the mortgage company said we owed that 3 months back to them because they are saying it was a forbearance but from what I'm reading they can't demand the money back in one lump sum which they are. we were originally told the 3 months were being put to the end of the loan but now they are going back on their word. also they asked for hardship letter, proof of income, bank statements profit and loss statements etc multiple times which I've also read they can't do but they just keep telling us they aren't getting everything and to keep sending .it in again and again I feel like we are just getting lied to and deceived the company is SPServicing this is the company that did the 80 % mortgage. this is causing us a great deal of stress my husband is a XXXX and I am a front line worker
Consumer complaint received 2022-11-14
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: Experian Information Solutions Inc. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  Bankruptcy Date XXXX : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; INFORMATIVE XX/XX/XXXX XXXX XXXX the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-01-04
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: U.S. BANCORP (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX. XXXX, XXXX, USBANK add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

The process initially started when reviewing my credit and noticed a discrepancy with XXXX XXXX. I reviewed my payment history called the XXXX  number and reviewed that I didnt miss my XX/XX/2021 payment as they were reporting. They acknowledged the discrepancy and stated they would resolve this inaccuracy with the 3 credit reporting bureaus. This still hasnt been resolved. 
How do I know, i recently tried to finance a new car from XXXX XXXX XXXX, XXXX XXXX and was told by the representative that The Experian app uses a scoring model. All of those credit bureau apps are usually between XXXX points off. I found this utterly amazing and disturbing as the published information from the credit bureaus was vastly different that what the dealership had reported to me my credit score. I shortly received mail notifications from XXXX XXXX and XXXX stating their reasons for denial of which one was numbers of delinquency. This is contrary to what is being reported on XXXX XXXX consumer credit reporting site, that conversely my payment history was very good. I think this a targeted business model by retailers, lenders and credit bureaus to take advantage and charge exorbitant interest rates based on false reporting and deceiving consumers of their credit worthiness. As it relates to my individual situation, when XXXX XXXX looked at my income, length of employment 25+ years with same employer, in their mind this tactic was justification of approving my loan but, at an exorbitant interest is pure unethical. This matter hasnt been addressed and should be on the floor before Congress
Consumer complaint received 2022-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX noticed a couple of accounts that does not belong to me and the addresses these accounts are linked to are also not mines.I contacted these creditors multiple times and these incorrect items are still on my report.I file an identity theft report stating that I was a victim of identity theft.I have documents attached also with the report.15 u.s code s 1681c-1 I XXXX XXXX the consumer had given multiple identity theft reports and also placed a security freeze. Also there were a name brench posted on my report also attached.the accounts are 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 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (DE)

On or around XXXX - XXXX I saw a lot of pre approvals on credit karma at first I didnt pay it any attention but credit karma kept sending me all sorts of different pre approvals telling me that I was pre approved for credit cards, personal loans and that I can refinance my car everyday I would see these offers every time I log in to see my credit scores so after a few months of being told I was pre approved I thought I was now in the perfect place to apply I got so many offers through credit karma  I started telling my whole family about vacations and investments we were going to use these pre approvals for. So I applied some time around XXXX and I got denied for 2 credit cards and a personal loan I was distraught I was very very angry and I felt deceived I was marketed to for months, credit karma told me I was approved this was a lie. I was severely stressed out I was XXXX for weeks I had XXXX so bad I became XXXX my XXXX  went from XXXX to XXXX now every time I see pre approvals i immediately close my phone and XXXX my computer off this make me so uneasy that I havent checked my credit as frequently as I should.
Consumer complaint received 2022-12-29
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

AXXXX 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  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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA Violation : name and address not mine 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 FCRA Violation : other loan not mine XXXX XXXX, XXXX {$3000.00} FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : collections not mine XXXX XXXX XXXX {$350.00} XXXX XXXX  {$200.00} XXXX XXXX {$230.00} XXXX XXXX {$2300.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX {$69.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$110.00}
Consumer complaint received 2022-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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 US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Cfpb complaint inaccurate information I am listing account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

This company is reporting inaccurate high credit amounts, Last reporting dates, Date last Active, and Date of last payment. In pursuant to 15 U.S.C. 1681 Congressional Findings, 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.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

This Conpany is reporting inaccurate opening dates, inaccurate High Credit limits, inaccurate Credit Limit, Last Reporting Date, inaccurate Date Last Active, inaccurate date of Last Payment. Each constitutes as a violation and has cause me and my family emotional distress and financial harm. 

XXXX Account # XXXX
Consumer complaint received 2021-01-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NY)

On XX/XX/2020 with out ever applying Caliber Home Loans offered us a loan modification with a principal reduction. In order to have the offer completed we needed to At that time we were not able to make the trail payments.

Since then our situation has changed we would like to take Caliber up on the offer. Now that we can afford it Caliber wants to do a ( DIL ). In fact all Caliber has only been interested in doing a DIL for years now. We were very surprised when Caliber offered us the Loan Modification. Pleasantly surprised. Now that we can afford it we feel they do not want us to Modify the loan. We feel the Loan modification offer by Caliber was a fake offer they knew we could not afford the payments at the time so they offered it to us. Now that we can afford it they will not give it to us. We feel Caliber is really in the real estate business not the mortgage business. They use the ( DIL ) to accumulate properties then sell the to their sister company the XXXX XXXX XXXX at a discount then the Trust resells it at a profit. We believe the FED makes whole to Caliber on the loss on the loan and they are ripping of the tax Payer on a Major League level. You must investigate this.
Consumer complaint received 2021-01-04
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (CA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?