davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
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: U.S. BANCORP (TX)

Elan Financial was not removed from my credit report as it should have been in accordance to the fraud report that was filed. I would like both of the Elan Financial accounts removed from my credit report.
Consumer complaint received 2023-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

We believe there are funds that have been misappropriated and we have tried calling PennyMac several times to get it resolved. We are disputing the negative balance that they say we currently have in our escrow account. We had funds disbursed from our escrow account on XX/XX/XXXX for County Taxes and on XX/XX/XXXX for Miscellaneous Assessment ( MUD taxes ). We understand that these are our property taxes for XXXX, but then we were charged again on XX/XX/XXXX for Miscellaneous Assessment ( MUD taxes ) and on XX/XX/XXXX for County Taxes. These charges are for the XXXX taxes as well. We have basically been charged twice for our XXXX taxes. PennyMac failed to make our tax payments on time to our county and MUD because we received letters from them in early XXXX. We contacted PennyMac numerous times between XXXX and XXXX of XXXX to let them know that they did not pay the county/MUD taxes and it took until XXXX and XXXX of XXXX for them to pay it, and we had no idea that they were actually charging us twice instead of using the funds they pulled from our escrow in XXXX of XXXX. 

We did not realize this misappropriation until we received an Escrow Analysis in XXXX of XXXX that we would be paying {$1300.00} more per month to make up the difference. When we recently called PennyMac concerning this, we were told that our taxes went up for XXXX and we owed more and thats why they took out more in XX/XX/XXXX and XX/XX/XXXX. However, when we looked on XXXX XXXX Countys website and the XXXX XXXX County MUD No. XXXX website they only charged us for the amounts PennyMac paid in XX/XX/XXXX and XX/XX/XXXX. From XXXX XXXX County 's perspective, there is NO RECORD of the amounts PennyMac took out of our escrow account in XXXX of XXXX. We have know idea where this money was distributed or why it was removed. Also, we don't understand why we are just now finding out about this. 

After making several phone calls at the beginning of XXXX and getting zero help, on Monday, XX/XX/XXXX, we spoke with XXXX XXXX ( PennyMac ) who tried to help us, but told us that we were being charged more for our XXXX taxes, which we know now is not true from the receipts from our county and MUD. After speaking with a Tax Specialist at PennyMac, she was supposed to get back with us with an answer on this. She called once and we missed the call. We called back only to find out that the ticket had been closed on this complaint and they could not transfer us to XXXX. 

Yesterday, XX/XX/XXXX, we sent PennyMac LLC a complaint letter and documentation of this issue via certified mail. 

On their website, they claim that their commitment to their customers is to be accountable, reliable, and ethical and we feel as though they have failed us in all three of these categories. 

We would love any help you could also provide us in resolving this issue.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (OR)

I charged {$900.00} on my Southwest/ Chase bank credit card XXXX XXXX for a purchase on a trip with XXXX XXXX XXXX XXXX. The trip was changed 3 times, and then canceled. I asked for a refund. After fighting with XXXX for months, they agreed to it. On XXXX XXXX or XXXX, XXXX, I called SWA/Chase customer service to see why the {$900.00} credit was not yet on my account. They said, yes, they saw the refund by XXXX for {$900.00}, and '' it would be back on my card today ''. However, when I called back today, XXXX XXXX, I was told that I wasn't going to get it " because the case was closed ''. They originally said XXXX got 2 MONTHS to respond to my claim, so they initially put a {$900.00} credit on my card. XXXX responded after 3 or 4 months, disputing my claim with absolutely no proof on their part, and Chase put the {$900.00} back on my card. I have been trying to get it back ever since, and was happy last week when they finally said I got it. Then, today when I called, they were back to stonewalling me, with NO explanation, saying once again " the case was closed ''. I had sent them proof of XXXX 's culpability in canceling the trip, but Chase refused to consider it.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

Dear MACYS/CITIBANK, N.A. ( XXXX XXXX XXXX XXXX, OH XXXX Phone ( XXXX ) XXXX ) ; I was shocked when I reviewed my credit report and found late payments on the dates below : XX/XX/2019 ; XX/XX/2019 ; XXXX XXXX XXXX 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, being hospitalized with COVID, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (MI)

I opened this credit card in store in XXXX and never received it until i had called and they told me charges were made. They did a whole refund on everything and a new card was issued. However, I cut the card up immediately after recieving it never used it and yet charges are still being made through this account. Its completely jacked up my credit score and i dont know how else to go about this situation! Please help
Consumer complaint received 2018-11-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (PA)

My husband past away a year ago and I found out the loan we have with PNC is a interest only loan. We have paid XXXX since XX/XX/2006 and the loan was only for XXXX and I have already paif XXXX. I'm wondering what I should do plus I thought this was against the law and the banks had to notify the comsumer when the housing market crashed due to this kind of practice. I really need help to understand what I should do.
Consumer complaint received 2018-11-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (SC)

On XX/XX/XXXX, out of desperation, I foolishly turned to a predatory payday loan lender. I borrowed {$500.00} and did not fully understand the ramifications. I made my first payment on XX/XX/XXXX in the amount of {$130.00}. Despite having paid {$130.00}, my online account shows I still owe {$560.00} on a {$500.00} loan. This is outrageous! If I pay another {$560.00}, I will end up paying {$700.00} on a {$500.00} loan. That is {$200.00} in interest. 40 % interest!!!!! This is predatory and greedy. There is no where on the website to view any loan documents which is deceitful and misleading. This must be illegal!!!!! 
Since I have paid {$130.00} on a {$500.00} loan, my balance due without interest is {$360.00}. In South Carolina, payday loans can only charge {$15.00} per {$75.00} borrowed. Since that is my state of residence, I should only have to pay {$75.00} in fees. I should have a balance remaining of {$430.00} NOT {$560.00}. 
Since XXXX XXXX XXXX has not been transparent in its information and is a greedy, predatory payday loan lender, I now want to reach a settlement to pay off the {$430.00}. I will pay the following : {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$39.00} on XX/XX/XXXX I will make my  payments via check mailed to XXXX XXXX XXXX. I have revoked XXXX 's authority to automatically take money from my checking account.
Consumer complaint received 2023-01-13
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: Navient Solutions, LLC. (CT)

A student loan was taken out in XXXX with me assigned as Guarantor without my permission. Per my research, it was discharged in XXXX. In XXXX, far beyond the statute of limitations, Navient assigned the loan to my name and social security number and threatened and harassed me several times a day that they would damage my credit- which they did. All of the while, never contacting me about the massive class action lawsuit they were in.
Consumer complaint received 2023-02-14
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. (FL)

I paid the balance in full on the duo date, they took 3 days to process the payment and reported a full balance, I am paying interest and they report wrong balance. 
card number XXXX name XXXX XXXX
Consumer complaint received 2023-02-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (MS)

XXXX XXXX is a prepaid medical provider you must prepay before any services or rendered. I have records of me paying 160 because they do not take medicaid.They both my report as closed and the collection is reporting derogatory closed.
Consumer complaint received 2023-02-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc. (AZ)

On XX/XX/XXXX, I took out a partially-secured loan with XXXX. On XX/XX/XXXX, XXXX sold this loan to SST. My original loan agreement was that I would receive a payout of {$3500.00} plus interest from a savings account created when the loan was originated once the account was paid in full. 

On XX/XX/XXXX I made the final payment for the loan. 

I have since made multiple calls to SST regarding receiving my payout and they have refused to provide me any information. During my last call, I was told they didnt handle my loan but couldnt tell me who did.

I have a letter from SST confirming my loan has been paid in full but no details on receipt my payout.
Consumer complaint received 2015-12-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

On XXXX/XXXX/2015 tryed to work with Ocwen for Loan Modification got nowhere. Wrote to Senator XXXX XXXX detailing my issues. His office contacted Ocwen. I received a letter from Ocwen stating my would be completed by XX/XX/2015. Nothing happened. Received another letter stating my case would be done by XX/XX/2015 nothing happened again. Been getting the runaround ever since.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXX in the early evening i noticed that i had 250+ emails. when going through the emails i noticed they were all spam with languages that could not be deciphered. I immediately decided to check my bank account. i opened my bank account on my phone and noticed monies being moved around between accounts. almost immediately i received a phone call from the fraud department from my bank. they wanted to confirm what was going on in my account. i informed them that none of that was done by me. they immediately froze my accounts. i was at the bank for the next couple of days and it was determined that someone had access to all my information and had gotten into my bank account and opened other accounts and transferred money between all the accounts. I was told by the bank that when the scammer first got access to my account they signed into my account adding themselves as users and then every time we changed the accounts, they would try to access it, and when asked for the password would say they forgot the password. since they were users they were give a new password and would again have access to my account. with the banks help i opened new accounts ( three times ) then realized that the scammers were in the new accounts before i could even get access. the bank froze my home equity line of credit and i closed all my accounts. I now have no banking accounts in my name. i had to change my email and phone number witch has made it difficult to continue using many of the aps on my phone which were tied to my old email address. i was also advised to freeze my credit with all the credit bureaus and i also purchased lifelock. I filed a police report with my local police as well. the banks fraud department have been very helpful as has the banking staff. Seems the banking is how i became aware that my identity was breached, but i also got 1300 spam emails and numerous text messages, which led to changing my email and phone number.
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (GA)

The Credit Bureaus still have incorrect information on my credit report past the legal 30 days they have to remove false or incorrect information they can not prove. I have never been late on a student loan in my life and there fact that all the good standing loans with the same dates as the derogatory listings that was consolidated in XXXX are still showing on my report is insane to me considering I have disputed this information several times yet due to them having my account mixed with so much false information which makes it unable to b authenticated via internet or phone automated system, and in some cased by their own agents depending on how they pull up my account, the knowledge of the representative or the agents willingness to correctly handle my account. All of my Dept of Edu/XXXX XXXX have been paid on time and consolidated yet since XXXX up to today which is over 7 years they have been knowingly and falsely listing false information on my report. There is no way my loans can be consolidated XXXX and always in good standing from XXXX until that date yet in XXXX I have multiple listings of delinquencies and accounts open in XXXX when all of those loans despite being opened at different times are all handled at the same time when it comes to my consolidation and payment history so how it is that despite it being evident both things can't be true they are still falsely reporting this information and will not provide me with written proof of how this information was verified despite it being contradicting. To make matters worse all the delinquent accounts are showing as still open when all of my loans were consolidated and it's past 7 years and they are still on my report which is also against the law. I have been trying to correct this issue with them since XXXX and they refuse to abide by the law. Back then I did not have time to look up the laws or even know where to look them up. Most of the times laws are abused by those who are in place to enforce them so it doesn't surprise me these agencies are allowed to get away with this. They cause people to have higher interest rates, get denied for business opportunities, not qualify for things they may need, look uncredited worthy all be cause they chose to outsource to foreigners who do not know the American Legal system, can barely understand the account holder or comprehend what the person is stating due to cultural differences. How is that even legal, they have staff who aren't even qualified to manage consumer accounts due to lack of knowledge of American Laws and processes, so these things just stay on a consumers report while these agencies get paid for reporting negatively despite knowing the information is false and the consumer gets screwed for years with no restitution for what has been done to them.
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I implore you to take immediate action to eradicate the unauthorized accounts from my credit report, as I did not authorize their inclusion and they are causing me significant distress. Please address this issue promptly.
Consumer complaint received 2022-12-01
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: Bread Financial Holdings, Inc. (FL)

I noticed numerous hard inquiries on my report that I had no knowledge of and would like to get these hard inquiries removed from my account, thank you. Companies involved include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX.
Consumer complaint received 2023-02-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Avant Holding Company, Inc. (FL)

I have XXXX credit protection due to breach at XXXX records and my personal information was stolen. I was sent an alert that a delinquent account was held in my name at Avant in XXXX. I contacted them a told them I had never opened an account with them and that it is a case of identity theft. I was told I needed to send them a copy of a police report and a sworn affidavit. I did this and it was received by Avant on XX/XX/XXXX ( usps tracking number XXXX. I emailed them and informed them I sent the information and received no response so on XX/XX/XXXX I sent another email with a picture of usps tracking info and told them I would file a financial complaint against them if I did not heard within a week that their complaint against me was not resolved.. The next day I received another email thanking me for sending the information and that they were going to send letter to XXXX to closed their complaint against me and it should take a few weeks. On XX/XX/XXXX I received another alert from XXXX of credit collection against me by XXXX XXXX XXXX XXXX on behalf of Avant web bank. I contacted XXXX and together we called AVant and we were hung on, we called back and asked for a supervisor and he refused to talk with us and he never tried to return call.
Consumer complaint received 2023-02-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (NY)

SN Servicing failed to provide accurate information to me regarding loss mitigation options and foreclosure, as required by 12 CFR 1024.38 ( b ), 12 CFR 1024.39 and 12 CFR 1024.41 ( g ). 

I submitted a loss mitigation package and never received any correspondence to date such as an ( Acknowledgement Letter, Missing Document Letter, Denial Letter or Ineligible Letter ) from SN Servicing as required by 12 CFR 1024.38 ( b ), 12 CFR 1024.39 and 12 CFR 1024.41 ( g ). 

I decided to contact SN Servicing via phone call on XX/XX/XXXX, and their representatives confirmed receipt of receiving my loss mitigation package of financial information. During the phone call the SN servicing representatives stated they never sent me any correspondence pertaining to the status of my submitted loss mitigation package. 

In addition, and according to the attached SN Servicing 's recent monthly mortgage statement my loan as of XX/XX/XXXX, is 3685 days delinquent and the last payment made was during the month and year of XX/XX/XXXX, which confirms that the six-year statute of limitations has expired long ago. 

The New York Department of Financial Services states in debt collection rule 23 NYCRR 1, Section 1.3, SN Servicing is required to inform the borrower that the statute of limitations has expired. 

SN Servicing also has never informed me in any aspect or provided me with a disclosure that the six-year statute of limitations has expired as required by New York Department of Financial Services debt collection rule 23 NYCRR 1 , Section 1.3.
Consumer complaint received 2023-02-12
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. (IL)

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 U.S.C. 1681 Account Name XXXX XXXX XXXX  ; Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXXXXXX, Account Name : XXXX XXXXXXXX XXXX, Account Number:XXXX, Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, Account Name : Bankruptcy XXXX XXXXXXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX  Account Number : NONE, Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX. 

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. 1681 s-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.