davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/XXXX I mailed in a full Metro 2 Compliant Challenge Complaint on the credit profile under my name that is listed with the Credit Reporting Agency. I did not receive any response to my Challenge from the Agency and it has been over the allotted 30 day investigation period.
Consumer complaint received 2021-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (KY)

I was contacted today XX/XX/2021 stating I was 4 days paid due. I was told by XXXX XXXX in XXXX Arizona the due date would be change to XXXX after they submitted to Kia finance. I explain this to Kia fianc today and collector just kept saying can you pay that today repeatedly and would not help with solutions. I asked to speak to manager manager said said thing and told me I am being billed {$7.00} plus for it being late. I read over my contract and I do have a grace period of 10 day before getting late charges. This is unfair debt and collections against myself. I want to point out I asked for paper billing and see told me se can not. I just got off the phone again with company and said they can. This is unacceptable debt collections against myself. I would like a resolution to this issu.
Consumer complaint received 2021-08-09
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I have reached out to Penny Mac for help regarding a Modification. This has been on going for 8 months. They first tell me I do not qualify due to Income so I added my Spouse. We provided them all the documents they ask for. I even informed them that My spouse and I recently got married so everything all my spouse personal information DL or SS card has been changed to legal new name. Penny Mac sat on all this information and offered no resolution. We still in a Pandemic a most offices are allowing you to only mail in documents to be proceed, Like the Social security office you can not come into the building everything has to be done thru mail. We have provided Penny MAc with every document to show that we are working on getting my spouse legal named changed. the email from the underwriter states my spouse SS card the last name doesn't match and now this letter states DTI issue.I spoke to XXXX " LEVEL II '' mgr and he went over the finances for the reason of the Denial and the Underwriter " XXXX XXXX '' did not add my spouses income like she advised that would be needed. I explained to him that I have been in contact to mare that everything the underwriter asked for she received and to find out she did not even use my spouse income like " she recommended '' is just frustrating. I want PEnny Mac to pull the Calls from today XXXX and XXXX to heat how UNHELPFUL their Employees have been During a pandemic. The Mgr just brushed me off with " Ill file a complaint '' which does not resolve the issue at hand. PennyMac was so quick to deny me for help but quick to suggest foreclosure. It's frustrating because they offer no help to try to resolve the issue. Please help as I want to keep my home.
Consumer complaint received 2021-08-08
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: EQUIFAX, INC. (IL)

I was affected by XXXX  inquiry error, in which a slew of inquiries were once removed then place back without proper notice. 

I consented to none of the inquiries listed below and believe them to be of error. 

Ive called XXXX  multiple times, and spoke with multiple agents. My problem still persists, and I have yet to be updated in over 30 days. I have also written multiple dispute letters and submitted them to each of the three major credit bureaus.

The list of inquiries that should be removed from my credit report immediately are as follows : XXXX  : 1 ) XXXX  XXXX XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX 2 ) XXXX XXXXXX/XX/XXXX Creditor Contact Details XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX ( XXXX ) XXXX 3 ) XXXX  XXXX XX/XX/XXXX Creditor Contact Details XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ( XXXX ) XXXX 4 ) XXXX XX/XX/XXXX Creditor Contact Details XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ( XXXX ) XXXX 5 ) XXXX XXXX  XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 6 ) XXXX  XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 7 ) XXXX XXXXXX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 8 ) XXXX XXXX  XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX  : 1 ) XXXX XXXX XXXX XXXX 
XX/XX/XXXX Creditor Contact Details N/A 2 ) XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 3 ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 4 ) XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 5 ) XXXX XXXX XXXX ... 
XX/XX/XXXX Creditor Contact Details N/A 6 ) US SM BUS ADMIN ODA XX/XX/XXXX Creditor Contact Details N/A 7 ) US SM BUS ADMIN ODA XX/XX/XXXX Creditor Contact Details N/A Equifax : 1 ) XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 2 ) XXXX  XX/XX/XXXX Creditor Contact Details N/A 3 ) XXXX XX/XX/XXXX Creditor Contact Details N/A
Consumer complaint received 2021-08-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In XX/XX/2021, I noticed several inaccurate, fraudulent, erroneous, and false entries on my XXXX XXXX and TransUnion credit reports. I have made direct disputes with the creditors, but with no success. I have notified the credit bureaus directly and requested for the items to be removed. All three bureaus have failed to act within the time frame the law allows. At the present time, each bureau is in clear violation of the laws of the United States, and specifically the Fair Credit Reporting Act. I wish to have the fraudulent items removed from my credit reports, immediately. In the event the items are not removed I intend to initiate a small claims lawsuit as well as lodging criminal charges against the credit bureaus.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX  account number XXXX is wrongfully appearing on XXXX, transunion and XXXX  credit bureaus.on XX/XX/XXXX i paid XXXX dollars cash for a {$170.00} charged off amount in XXXX.the date of first delinquency was in XX/XX/2015. 
XXXX XXXX  in violation of CALIFORNIAS ROSENTHAL FAIR DEBT COLLECTION PRACTICES ACT CHARGED ME AN XXXX DOLLAR FEE TO PAY THEM THE XXXX DOLLARS CHARGED OFF ON ALL THREE CREDIT REPORTS. 
ORIGINALLY THEY TRIED TO TELL ME I OWED {$360.00} TO PAY THE {$170.00} DOLLAR CHARGE OFF OF XXXX.THE PAYMENT HISTORIES HAVE ALWAYS BEEN INACCURATE ACCORDING TO THE FCRA AS WELL AS THE CHARGE OFF DATE THAT THE FCRA ALSO PRESCIBES THE CORRECT METHOD AND DATES. IN ANY CASE " PAY ME '' FEES ARE ILLEGAL IN CALIFORNIA IN ANY AMOUNT OF MONEY. " PAY-ME '' means fees charged to handle payment of the original debt, to accept payment of the original charged off debt. 
THIS ACCOUNT WITH PROOF OF THE ABOVE ATTACHED HERE SHOULD BE IMMEDIATELY DELETED FROM THE BUREAU 'S CREDIT FILES.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I was hit by the pandemic like everyone else, we all was caught off guard. I even notified the company that my XXXX XXXX payment would be late and i was told it would be ok without any penalties due to the pandemic, so im asking for a good cause forgiveness as told to me. 

Im requesting that XXXX XXXX XXXX, removed the late payment ( XX/XX/2020 ) thats on my credit file.
Consumer complaint received 2021-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriFirst Financial Corporation (FL)

Sorry, I didn't see any drop down selection for a complaint related to PMI waiver under the HPA. 

I called my mortgage servicer, Amerifirst Home Mortgage, on XX/XX/21 to ask them to commence a PMI waiver. They asked me to provide a list of improvements made since I purchased that property a year ago. I asked them to confirm if they needed receipts or other documentation. They said no. 

A few days later on XX/XX/21 I received a canned email saying they got my list of improvements and that I should call them again to pay for the BPO / Appraisal. When I called on XXXX they said they would not order the BPO / Appraisal until I submitted itemized receipts for the improvements. Per discussion with the manager, they said this was a requirement from XXXX / XXXX. Per the provisions of the HPA I don't see any reference to these additional requirements to obtain the BPO / Appraisal.
Consumer complaint received 2021-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (IL)

SUBJECT '' VACATING '' MY TREE VIRTUAL WALLET WITH PERFORMANCE SPEND RESERVE AND GROWTH ACCOUNT ILLEGALLY CLOSED IN PNC BANK XXXX MONEY IN THE ACCOUNT FRAUD .HELLO I DEPOSIT CHECK CASH IN ATM PNC BANK XXXX BUT BANK XXXX XXXX THEY WRONG DEPOSIT MY AMOUNT WHAT I REQUEST AFTER THAT THEY CORRECTED AFTER THAT I TRANSFER MONEY TO THE XXXX ATM BANK CHECK ON AMOUNT XXXX AFTER THATI WENT TO THE BRUCH TO PNC BANK AND WORKER CALL TO MAIN OFFICE TO THE XXXX XXXX WHO HARD LOCK MY ACCOUNT AND ASK ABOUT MY DETAILS WHY CHECK WAS RETURN BECAUSE MY CHECK HAS WRONG SIGNATURE ALSO BECAUSE I OWN THE MONEY TO DIFFERENT BANK SHE TOLD ON THE SPEAKER TO THE PHONE TO THE WORKER IN BRUNCH XXXX XXXX XXXX XXXX XXXX ILLINOIS TO BILL XXXX  AND HE TOLD ME I HAVE HARD LOCK ACCOUNT AND ACCOUNT IS CLOSED AND IS XXXX ON MY ACCOUNT.THEY ILLEGALLY CLOSED MY XXXX ACCOUNTS VIRTUAL WALLET WHAT IS JOINT WITH FAMILY NAME XXXX.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

I called XXXXXXXX XXXX to let them know I refinanced my loan before XX/XX/XXXX. They were to receive the total mortgage balance from XXXX XXXX XXXX, my new lender. They received the total amount and still marked my account as delinquent. I have never paid my mortgage late as you can see in my report. I would like XXXX to fix this asap as this hurts my excellent payment history.
Consumer complaint received 2021-08-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NC)

I opened a chime account and the following month i had my XXXX ssdi check auto deposited to it. Then 6 days later I went to pay my bills and a pop up screen informed me the account was closed. Chime refuses to speak with me on the phone as well as through social media. In fact they blocked me. They sent me a check about 30 days later for XXXX  something i believe it was but it was not the correct amount and they did not enclose any type of explanation with the funds. When i was emailing them at first they said they closed my account and do not have to tell me why ( pretty crooked tradeoff just to get a back door into the finances of American citizens so way to go U.S. government ) the only thing that even makes sense to possibly be a reason I had their rep on the phone walking me through what all to try so that's dead wrong but moving on ... Then after I received that check I had XXXX  to XXXX in returns that were sent to that card. The returns happened after I received the check and they were from XXXX, XXXX, and XXXX  ( these are the ones I recall but that isnt all of them ). Not to mention i informed them i needed to dispute a couple charges that were on there to begin with. So im owed a good bit of money and they've stopped responding and or blocked me. If they do respond all they say is they're passing my case to a supervisor and no one fixes this or responds back again. This happens over and over and over. I want my money and a balance explanation with it.
Consumer complaint received 2021-08-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (TX)

I have called to explain that this is not my debt, and to have removed from National Recovery Agency, on XX/XX/2021. They all were very rude and hung the phone up in my face. I asked for a Supervisory and she was not helpful at all. The amount is {$620.00} Ref # XXXX. I have also filed a dispute with XXXX. I am request this debt that is not mines be removed from my credit file and my score retuned back to XXXX
Consumer complaint received 2021-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA) (FL)

ON XXXX the company RECEIVABLE MANAGMENT GROUP RESPONDED TO A COmplaint of mines in a frivolous manner.i want this company to be advised that all corresponding between me and this company will be held againt them for LEGAL purposes.i am DEMANINg this company delete this collection from my consumer report.they have violated my rights on numerous occasions i have giving this company numerous opportunities to do so. all corresponding documents againt this company will be held for leagal purposes BE ADVISED, I HAVE JUST GIVING YOU A FAIR WARNING!!! this company had volated my consumer rights and is aware that they have .so as my rights i am entitled to get in contact with my state attomey general for further assistance ..i will invoice this company baed on the statements of facts that they have provided me whith, which is has been considerd a violation under the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. I WILL BE INVOICING YOUR COMPANY WITH THE VIOLATIONS YOUR COMPANY : RECEIVABLE MANAGMENT GROUP HAS COMMITED AGAINT ME
Consumer complaint received 2021-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (NV)

On XX/XX/XXXX, I paid for An XXXX XXXX airline round trip for {$190.00} including trip flex for flexibility to cancel and/or transfer partial credit if I did not travel on XX/XX/XXXX. I could not travel. I called XXXX to notify but their lines continue to be busy by telephone ( multiple numbers ), chat ( not working ) and now by email. I was never able to notify them of not traveling as it is impossible to notify anyone at XXXX. I spoke to American Express XXXX Dispute services with customer service. They told me to work with the merchant. I told them I would but I am unable to even contact them. They tell me that they would not be able to do anything at this time. I told them that this was deceptive that no one can contact the airline. 

They told me that it is not fraud. I am unsure if they have made a legal conclusion. In any case, what is the point of having Trip Flex and pay for change airline protection when you can not even notify the airline of the intention to change the flight. 

I questioned American Express on why they keep the service with the airline and they would take it up with management. I wonder why I have no rights as a consumer with my credit card. 

I will eat the cost but it sound like a fraud. They sell the ticket. They then sell the tripf lex but you can not contact them for the trip flex product protection. Why even both with any trip flex. The cost of the ticket is {$130.00} but the trip flex is {$60.00} and the product for protection is not with any protection. The American Express customer services is the problem and I told them that as a consumer with the credit card division for 34 years since XXXX that I can not do anything as I spend several tens of XXXX a month on the credit card and it is not " fair ''. 

This may be a very small issue and it is to anyone who is poor or gets scammed but XXXX can not sell travel protection when the product and not able to be claimed and or utilized and American Express as a business should protect consumers from at least unfair business practice. 

I ask them if there was any consumer protection but apparently I was told that there is none and they are just intermediaries now. Perhaps it was different decades ago??
Consumer complaint received 2021-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (PA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : THE BUREAUS ( Original Creditor : XXXX XXXX ) -Balance : $ XXXXDate Opened : XX/XX/20XXXX XXXX
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (PA)

REQUEST FOR XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX SS # ENDING IN XXXX
Consumer complaint received 2021-08-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

The due date for my account was XX/XX/2021 at XXXX ET. When I attempted to pay my bill on XX/XX/2021, the balance due was {$40.00} higher than the statement balance. I assumed this was most likely due to a late fee being assessed on the account as the statement indicates is possible if payment is not made by the due date and I've not made any additional purchases with the card since the statement date. When I attempted to view the recent transactions to confirm by suspicions, there were none. So I chatted with a representative on the web site and I was told if there was any activity on the account recently ( aka memo posted transactions ) that it was not visible to them for 24-48 hours. I then attempted a phone call and was told the same thing with the additional details that the balance updates every 15-20 minutes or so but the transaction details only update every 24-48 hours. As a consumer, this seems deceptive to me that a credit company could assess fees on customers ' accounts and the customer be unable to get details about these fees. If the system in use can reflect memo posted transactions in the amount due, it should also be be able to reflect the same in the transaction history and that information be available to the customer or employee.