davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-17
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PROPEL FINANCIAL SERVICES LLC (TX)

Propel Financial Services is attempting to run me for what they describe as daily accrued interest that has never been shown or described in any manner on their mobile they statements. I have attached their last and final statement they send me by email monthly. It shows a final payment due on XX/XX/2020 of {$220.00}. My account has been on autocracy for many years and they had full authority to draft this amount from my account. On XX/XX/2020 they only drafted the standard payment, which they calculated at the beginning of the loan, of {$130.00}. I received no further documentation or statement and on XX/XX/2020 they drafted the difference of the XX/XX/2020 balance less the standard payment drafted on XX/XX/2020 plus an additional XXXX cents of {$93.00}. On XX/XX/2020 they began sending dunning emails for {$100.00} late payment, for which they had full authority to draft to preclude any late fee. Since XX/XX/2020 they have not sent a statement showing payments made of any remaining balance. I called them with my complaint, I pretty much got conflicting answers on what the {$100.00} was ( accrued daily interest of maybe a release of line fee ). They concluded by saying they will send a copy of my contract regarding accrued daily interest and all my statements. Unless they send a statement dated after XX/XX/2020 which they did not send to me, they have not provided any historical evidence of an accrued daily interest balance not any detail official statement of the release of line fee. These actions seem to me to be deceptive practices. I am requesting all collection emails by Propel and any additional fees and interest be stopped until they provide an official statement to me and an explanation
Consumer complaint received 2020-08-17
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. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-08-17
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. (CA)

Its been over 30 days and I've reached out several different times. These Companies hasn't responded or opened my request to dispute any of the items I have requested to dispute. TransUnion and XXXX   both just opened a dispute today XX/XX/2020, when the initial request and complaint was submitted XX/XX/2020. By Law they are not complying and its not fair I am now Requesting that they remove all unverified items from my credit report. The Law requires them to respond within 30 days. Failure to comply with these federal trade Commission ( see 15 USC 41, et seq. )
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and is see a list of derogatory items that are not mine including bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and his information on my report is very incorrect. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX   CHAPTERXXXXBANKRUPTCYDISMISSED XXXX XXXX   XXXX {$8000.00}
Consumer complaint received 2020-08-17
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-08-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (PA)

RE : Citi Accelerated Savings acct XXXX route XXXX I'd like to make a formal complaint about the quality of customer service. 

I opened this online account in a few minutes for the express purpose of a deposit point for several annuities.XXXX had no problem making initial and recurring deposits with what I gave them. 

But I have had a hard time getting the another institute, XXXX/XXXX - who seems to be in the dark ages on doing ACH 's!?! They are requiring a signed, bank letter head note, indicating the account holder info, with account # and routing # Now I have tried repeatedly and been promised a confirmation letter thru their call centers including, several supposed supervisors, nothing has completed!!! Also never get the same story twice so not sure if ever do get a letter that it will be adequate? 

I have also repeatedly requested a POD/beneficiary form which unbelievable needs to be be snail mailed both ways? And have never received!!! 

And the real rub comes that since I opened this account in the beginning of XXXX and have yet to get a simple, standard letter as promised repeatedly. They have been able to 4 TIMES reduced the interest rate in that time?!? Now I will admit I didn't read the total details, and after 35 years in the banking industry, I am well aware of the feds rate changes but it is the same since XXXX?!? 

And usually when an institution advertises a special rate on a new account, it usually holds for a time like 6 months or even a year. And as mentioned above I have several of those that are still at the starting rate!?! 

All service contact has been by phone as even their chat function is so slow that i continually get logged out waiting for responses. And transfers to a branch office who could supposedly do something, always ends in a disconnect, sorry no one is available to talk your call goodbye, or a roll right back to the overseas help line?!? 

This is an online account, and they don '' t have branches in my state and even if I would want to go to one i cant get an office online to setup an appointment?!? 

This is unacceptable in the 21st century and especially under the present covid issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NC)

Our process started on XX/XX/XXXX. We contacted rocket mortgage about a personal loan but the broker said that we would be better off by refinancing our current mortgage loan. 
We completed the process of sending all necessary documentation to get our loan refinanced. We did get a lower rate and a lower payment. In this process, we did get the refinance done. We were told that after the loan closed, we were to get a check for XXXX as a refund. Everything went well until the end of the process. The loan closed on XX/XX/XXXX. The final disbursement of funds were to take place on XX/XX/XXXX. The paperwork from the attorney to record the loan until XX/XX/XXXX and we did not find out about that until XX/XX/XXXX. So we received a call from XXXX XXXX with Rocket to tell us she would call with the tracking number. After this point is when everything went terribly wrong. She never called and we tried to call her. She never would answer out calls. Our banker was XXXX XXXX. Every single time we spoke he assured us we were getting this refund. I have numerous emails from him. We had 3 days after signing this paperwork to cancel and not proceed with the loan. We called every other day to speak with XXXX and he assured every single time, yes we were going to get this money. After XX/XX/XXXX that is when he said he didn't have control where this money was applied. We told him repeatedly if we were not getting this refund, we would NOT proceed. Since we found out way too late to stop there was nothing he could do. After numerous phone calls and he wouldn't answer we were directed supposedly to his superior XXXX XXXX. She said in the process that XXXX had clicked the wrong button to submit the closing paperwork. She said when Rocket/Quicken make a mistake they will admit it. In consolation she is suppose to send a XXXX gift card. I tried to explain to her again, we would not have proceeded with loan if we had known we would not get the refund. Our payment was XXXX it is not XXXX or so. We are saving money but we really needed that refund. She said we should be glad we didn't have to pay our XXXX payment but we had to pay XXXX in closing costs. We are in a financial crisis now because of them. They are not taking any responsibility for this and his story and her story does not add up. We feel like this loan was continued under false pretenses and no one will do anything about it. I truly believe XXXX knew all along we were not going to get this refund and he must have had a quota he needed to meet.
Consumer complaint received 2020-08-17
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. (NE)

I had 2 collections accounts from XXXX XXXX XXXX. I arranged to pay off both collections and they were to submit to the credit bureau the collections were paid and to remove them from my account per our agreement. I see that they have updated that my account is paid, but the credit report is still showing it instead of removing it. XXXX said they submitted a letter to remove the accounts from my report, but it is still there.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SC)

Did a transaction on XXXX, call the bank to stop transaction Wells Fargo still allow transaction to go through. I was scam outta {$950.00}.. I still haven't received my money back yet .. customer service was so rude
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions 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 XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. You sent this information to the Credit Bureaus and they said everything was verified. I asked for proof from the credit bureaus but none was ever give. According to the FCRA the credit bureaus must give me the proof that i asked for to validate these accounts. I asked for the name of the person validating their position their mailing address and their phone number. I never received any information, but everything was verified as correct. I am also attaching a copy of the request and letter that i sent to the credit bureaus.
Consumer complaint received 2020-08-17
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$560.00} XXXX XXXX {$3600.00} XXXX XXXX {$810.00} XXXX XXXX {$3100.00} XXXX XXXX XXXX {$810.00}
Consumer complaint received 2020-08-17
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$560.00} XXXX XXXX {$3600.00} XXXX XXXX {$810.00} XXXX XXXX {$3100.00} XXXX XXXX XXXX {$810.00}
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (MN)

Equifax will not delete or update the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( all hard inquiries not initiated or approved by me ) UPDATE OR DELETE THE FOLLOWIN ACCOUNTS AS THEY CONTAIN UTILIZATION INFORMATION ( 15 usc 1681 a 2 A i excludes listings of transactions and experiences ) ALL ACCOUNTS WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Re : Bankruptcy Ref. No. XXXX Personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information, ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, is immediately and completely REMOVED from my file. 

To whom this may concern : It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading or unverified information. 
In XX/XX/2020 and months preceding from XX/XX/2020 onward I received a response from Experian stating that the following account could not be verified nor validated, and it was immediately removed from my credit file : s Per the PROCEDURES and laws stated in 15 U.S.C. 1681i and its subsections I have requested that ALL FURNISHERS related to this account and CONSUMER REPORTING AGENCIES in which this item has been disputed BE NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above, I have requested this information be SENT to all CREDIT REPORTING AGENCIES and I anticipate that each CRA will follow suit in DELETION OF THE ACCOUNT. 

I have sent several letters to Experian, which have been repeatedly denied for removal this public information from my credit file. I have contacted both the U.S. Bankruptcy Court of Texas and the PACER system and they have both confirmed that they do not and will not verify such personal information. Per FEDERAL LAW and the standards set forth by all committees overseeing consumer reporting agencies, continuing to report this account on my credit file is a violation of my rights. Please DELETE THIS ACCOUNT IMMEDIATELY so we can avoid further potential of a consumer or legal complaint. 

Please be advised that a copy of this letter has also been sent out certified mail and to the U.S. Bankruptcy Court of ( Texas ). 

Regards, XXXX XXXX
Consumer complaint received 2022-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

My mortgage servicing was just transferred to Specialized Loan Services. For my first mortgage payment, XXXX withdrew the payment from my bank account THREE separate times, rather than one. When contacted, they stated that they couldn't return the overpayment ( ~ {$6800.00} ) for fifteen business days despite this causing me severe financial hardship. 

Background - On XX/XX/2022, I set up auto-payment, and I received a notification that automatic payments would start XX/XX/XXXX. Therefore, I set up a manual payment for the date my first payment was due, XX/XX/XXXX. 

On XX/XX/XXXX, XXXX withdrew two payments for a total of {$3400.00}. 
On XX/XX/XXXX, XXXX withdrew a payment of {$3400.00}. 
Also on XX/XX/XXXX, XXXX withdrew a payment of {$3400.00}. 

On XX/XX/2022, I contacted XXXX. They informed me that the auto-draft had " gone into effect earlier than planned ''. In addition, they said that when I set up auto-pay, the system created an additional payment for XXXX since the auto-draft wasn't supposed to be effective until XXXX. This was done without my notification or consent. 

XXXX offered to refund the two incorrectly withdrawn payments, but they said it would take upwards of 15 business days and that it would be mailed as a paper check. This is unacceptable because it means I may be missing {$6800.00} for up to a month.
Consumer complaint received 2020-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (GA)

My mortgage has been serviced by Home Point Financial since I originally bought the house about 8 years ago. I have ALWAYS paid my mortgage on time and have always paid more than the monthly amount due in order to pay down the principal and pay it off more quickly. This was never an issue until 3 months ago and now every month instead of Home Point Mortgage putting the additional amount I pay towards my principal they are instead paying it towards future escrow and interest payments which is paying themselves instead of putting in towards my principal. This is infuriating. I called them twice and had them reverse and now this last time they were supposed to and they did not reverse. So they are stealing my money and I'm talking over {$3000.00} for last month. The total amount left on the mortgage should by about $ XXXX but it's still $ XXXX since they aren't handling my payments correctly. It seems that since they see that I'm paying this off quickly that they are trying to keep me from doing so by applying my payments to where they want to continue making $ $ off of me. BTW, there is NO Pre-payment penalty to this mortgage. Home Point Financial should be investigated and fined and I should have my mortgage payments fixed by them for this absolute illegal activity.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (DE)

Mortage company PennyMac. Filed for XXXX XXXX bankruptcy in XXXX XXXX XXXX XXXX Company stopped reporting made payments shortly after. After I realized they stopped reporting I made several attempts to get them to report to the 3 credit bureaus. It is not a federal law preventing them from reporting just an internal memo from PennyMac itself. I was made aware from PennyMac the only way to get the bankruptcy removed and have PennyMac start reporting again was to refinance with a new loan number. I tried that in XXXX and was denied by PennyMac for lack of revolving credit. I have had multiple disputes with all 3 credit bureaus to get the balance and made payments correctly adjusted. I have attached year end XXXX, XXXX, and recent monthly statement to back up my claim. I have had no success as it shows closed on credit reports with missing/incorrect information. This has caused irreputable harm to my credit and will never be able to obtain a loan again also scores have dropped very low, XXXX is now a XXXX. I have never had any missed payments in the 4 years since filing for bankruptcy. Please force them to report accurate information showing updated balance and made payments on time. PennyMac has confirmed the bankruptcy will always be attached to my loan number. They will never report again even after bankruptcy is complete. And according to them I will never be able to re finance because of no credit.
Consumer complaint received 2024-04-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

The issue is that under further investigation documents of record of PENNYMAC record keeping from XX/XX/XXXX to XX/XX/XXXX PENNYMAC ALL TRANSACTIONS REPORT PennyMac States That all payments are from a Suspense Account Which is not true at all. There are many irregularities in this document.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

CapitalOne continues to double and triple report delinquency on the same account many times a week which appears as separate reporting on all 3 credit bureaus. My score continues to drop because of this. I have gotten notifications for months about an account being reported as closed due to NEW bankruptcy when in reality the account was opened after my bankruptcy and remains open to this day.
Consumer complaint received 2020-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Peter Roberts & Associates, Inc. (MA)

Good Morning everyone! Listen, I was going back and forth with a MEDICAL collection account for XXXX XXXX that was supposed to be handled by them and noticed that it was placed on my credit report. I called PETER ROBERTS & ASSO and they said that if I pay it they will remove it from my credit in a couple of weeks on their next reporting cycle. I paid it under pressure because I'm in the process of buying a house I honestly don't want to deal with my insurance company and i can appreciate if you guys can expedite and delete this from my credit report.