davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

PennyMac Loan Services , LLC violated federal regulations found in CFR Title 12 during the loan process with XXXX XXXX and XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX, TX XXXX. XXXX XX/XX/2019. 

Federal regulations within title 12, stipulate the standards to which an appraisal is to be conducted. When this appraisal was conducted it neglected to account for the access easement and its condition. 

The aforementioned property contains an Ingress and Egress easement through our property. There is an easement agreement between the owners of both properties. The XXXX have abandoned this easement due to lack of maintenance and failing to bring the easement into the standards stipulated within the easement agreement. Federal regulations require that these appraisals follow XXXX XXXX of Professional Appraisal Practice standards. Had these standards been followed it would have shown that the easement was not in an all weather road condition. The driveway within this easement contains a low water crossing through a perennial creek. During seasonal rains this easement is unpassable for hours to days and requires excavation to fix the damage created. The XXXX have the sole responsibility to maintain and bring this easement up to the standards within the easement agreement. We are dependent upon them to do this. As a result of this matter we are left without access to and from our home several times a year. This has resulted in lost work and without the ability to receive emergency services. This condition also prevents us from obtaining a FHA or HUD loan. 

While it is clear that the XXXX have the primary burden to fix the easement, their ability to obtain a loan with the easement in its current condition has allowed PennyMac Loan Services , LLC to also be implicated in this neglectful situation. If the appraisal was performed to the standardards stipulated within title 12 this issue would have been resolved. 

PennyMac Loan Services , LLC is in a unique position to provide a remedy for this affair, and we demand that this situation is retrafied. 

Attachments : Picture of seasonal creek condition Easement agreement
Consumer complaint received 2016-11-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (TX)

Parties : XXXX XXXX - Plaintiff Chase Auto Finance - Defendant XXXX XXXX XXXX XXXX - Defendant My name is XXXX XXXX. I owned a XXXX XXXX XXXX XXXX with a lien and loan at Chase Auto Finance. 
My Vehicle was hit by third party on XXXX/XXXX/XXXX. XXXX XXXX XXXX XXXX insured the third party driver. 
XXXX XXXX totaled the vehicle on XXXX XXXX, XXXX. 
XXXX XXXX and Chase worked together to communicate the full payoff quote. 
XXXX XXXX paid the account in full with Chase on XXXX XXXX, XXXX. 
I received documentation from both XXXX and Chase Auto Finance on XXXX XXXX, XXXX, that my loan is paid in Full with Chase and Chase has released the lien on the vehicle. 
Several months pass by and I then received a letter from Chase stating I 'm negative on my Auto Loan. I then started receiving collection calls from Chase. I called Chase to state this account is paid in full and they say no, you owe us {$7500.00}. I state, I do not owe any money on this account, I have letters from Chase stating paid in Full and lien released. 
I then contact XXXX XXXX to inquire. XXXX XXXX Total Loss contacts Chase to conduct an investigation. XXXX XXXX contacts me XXXX XXXX to say that the error is on Chase to please contact them to correct. I contact Chase and they say no, its on XXXX XXXX to correct. 
Chase is now reporting negatively to my credit report, showing 60 days past due and delinquent. I have better credit and do n't have delinquencies except this from Chase. 
This negative delinquency on my credit report is causing me a hardship to purchase a mortgage as since this has been added to my credit my score has dropped almost XXXX points. 
No one at Chase Auto Finance or XXXX XXXX XXXX is helping in this matter. Each side continues to point the finger at one another as I get squeezed in the middle. 
Please help as I have been going back in forth with these two companies for a while now without resolution. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Texas XXXX XXXX
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Every American adult likely uses or will need banking services to survive in the modern economy. Law-abiding XXXX owners have legitimate concerns about possible collusion and collective efforts between banks and/or banks and advocacy groups aimed at denying them services simply for exercising their rights under the U.S. Constitution and laws. These efforts also create a hostile and chilling climate for the exercise of Second Amendment rights, particularly for those of us hoping to obtain financing for such things as home and auto purchases or running a small business. Once financial institutions take it upon themselves to set social policy that exceeds the requirements of the law, its impossible to know where they will stop or what other indicators of disfavored activity might become relevant to them. No American should be treated as a scapegoat for someone elses crimes. Stop this collusion now!
Consumer complaint received 2022-12-28
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. (LA)

In accordance with the Fair Credit Reporting act 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 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 2019-06-30
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. (NC)

After several attempts to TransUnion, XXXX, and XXXX to remove these fraudulent addresses they still havent done so for years now! these are the following fraudulent addresses as follows : XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX
Consumer complaint received 2019-06-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (MO)

The BUREAUS collection agency was filed on my report on XX/XX/2016. The amount that this company is saying that I owe is a total of XXXX. I do not have a contract with their company, and I requested copies of the contract where it states that I should pay this amount. The Bureaus was not able to give any validation just a copy of a bill that I was not responsible for. I am asking the Bureaus to remove any collection amount from my credit report.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

This is a formal complaint against Experian. I asked Experian for a human review of the late credit card payments placed in my credit file from companies : XXXX XXXX XXXX ; and XXXX XXXX XXXX, to provide me with written proof of their compliance with Law 16 USC 1666B. I want XXXX ; and XXXX XXXX XXXX to remove the credit card late fees reported on closed accounts with XXXX balances. The late payment reports are with Experian XXXX and XXXX. This credit card accounts are closed. Additionally, the date of the late payments are not accurate. I mailed certified letters to Experian on XX/XX/2023. After 30 days I did NOT receive communications from Experian regarding my written request. On XX/XX/2023, I mailed second notices to Experian via certified mail. I requested Experian to show me written proof of their manual human investigation XXXX, and XXXX XXXX XXXX credit cards. On XX/XX/2023 Experian notified me via email. The email notification informed me that the results of my disputes are ready to view online. In order to review the results I had to log on to my Experian account online. Unfortunately, Experian did not complete a manual investigation. Experian did not respond to my written request within 30 days nor did they provide written proof of the investigation nor did they provide me with proof of the creditors compliance to Law 16 USC 1666B. I want XXXX XXXX XXXX to remove the late payment report they reported to my credit reports with Experian XXXX and XXXX.
Consumer complaint received 2019-06-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: NAVY FEDERAL CREDIT UNION (FL)

My private student loan account has been current with Navy Federal Credit Union Since XXXX. Some of the time until now my account has been in repayment, and for some of that time my account has been in forbearance due to financial hardship and my inability to make the monthly payments with my other debt commitments. I have submitted 4 consecutive forbearance requests during this time, all of which were approved. In early XX/XX/XXXX, I submitted another forbearance request which was denied by my loan servicer. I was told that the reasoning for my denial was that I am required to make 2 full months forth of payments before being able to submit another forbearance request. With this I have 2 problems : 1. ) If I were able to make 2 months worth of payments, I would not need to apply for forbearance. 2. ) On XX/XX/XXXX a representative from the XXXX XXXX Student Loan Collections department informed me that the rule for having to make 2 payments in-between every forbearance request was newly instated in XXXX of XXXX. I received no notice for the change in policy and could not have possibly prepared myself financially for their change in policy. The intuition offers no additional financial assistance ( ie. income driven repayment options ) that can assist borrowers with keeping their accounts current. Although I offered to pay half of my monthly payment at this time ( as this is what I can afford ) I was informed over the phone that a half payment is equal to no payment and will still result in consecutive negative reports to the three major credit institutions. They suggested that I attempt to refinance the loan, but that can not be done until the account is current. Additionally by making negative reports against my credit during my time of financial hardship, they are effectively sabotaging any chance I would have to be approved for a refinancing program.
Consumer complaint received 2018-04-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC (GA)

I was involved in a scam. The scammer had me do a Ria XXXX to XXXX transfer to a another person. I tried to contact company to see who picked up money. But no response. I transfer {$1000.00} XX/XX/18 at XXXX. To someone in XXXX SC. I want my money back. I know a long shot but I dont want anyone else have to go through this.
Consumer complaint received 2016-02-02
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

An account in my name was opened with Capital One. The account became delinquent, and I was taken to court. Even though I did not open the account or give permission for this account to be opened I was held accountable. My wages were garnished, I 'm ok with this because it ended up being a family member that opened the account. My wages were garnished, and the account was satisfied, and the case was taken off of the docket. Several months later, the funds were given back to me. I did not ask for the funds they just showed up. I called Capital One to inquire about the funds and I as simply told that the case was closed and the case was taken off the docket. 
Several months later, I received a letter stating that the funds were once again going to be taken from me, and I was being garnished again for the same funds that were returned to me! Only this time the amount was more than twice the original amount that had already been paid ( and returned ). When I called XXXX and XXXX, the attorneys handling the case, the only information they would give me is the returning date for the case when they pick up the wages that had been garnished. This is unfair and deceptive! The funds were returned to me and now I am being made to pay for funds that had been paid? 
Please contact me for more information and specifics to this case.
Consumer complaint received 2018-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (TX)

These debts have been reported to Commonwelth Financial in Pa. The Original creditor is XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 1.. XXXX XXXX. 2. XXXX. XXXX. 3. XXXX. XX/XX/XXXX. I have contacted XXXX XXXXXXXX XXXX XXXX XXXXXXXX they said they have nothing in my name. XXXX XXXXXXXX XXXX XXXX  XXXX is XXXX. Commonwelth Financial in PA XXXX said that these accounts were sent to them from XXXX XXXXXXXX XXXX XXXX XXXXXXXX. These three accounts have been removed from all 3 credit beauas and added back on with the same Name Commenwelth Financial out of PA. I had idenity theft of my Ss Card and DL on XX/XX/XXXX until XX/XX/XXXX. I reported this to our Police Department in Texas, in the county that I live in. On the report it Syayes that this is a Case Summary Report case number XXXX but Commonwy Financial said this is nota Police Report. So I Called the XXXX Police Department And have them the case number and advised them I needed A Police Report not a Summary case report. XXXX XXXX at XXXX Police dept ph number XXXX XXXX XXXX advised me that a case summary report and a police report where the same. Commonwelth Financial advised me that if I Dont provide a police report that these 3 Accounts are mine and I have to paid these account Per XXXX.. Also XXXX advised me that now these 3 Accounts have been turned over to a company called XXXX XXXX XXXX Phone Number is XXXX Called then and got Answering Machine. Left my Name and Number and have not heard back from them. I checked with the XXXX reviews and there is a statement that said that Commenwelth Financial and XXXX XXXX XXXX are scams. Please let me l ow how to get these People to stop putting these account on my. Refit Reports ... I have tryied everything and still asked to Pay these accounts that are not mine ... if you need additional information you can contact me at XXXX XXXX XXXX ...
Consumer complaint received 2017-05-30
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: EQUIFAX, INC. (TX)

I have previously disputed credit inquiries on my credit report caused as a result of true name identity theft, Equifax has failed to delete or investigate the inquiries.     I have attached a copy of the police report for identity theft.     The inquiries I am disputing are :  XXXX   XXXX  -  XX/XX/17    ( ID THEFT )  XXXX  -  XX/XX/17    ( ID THEFT )  XXXX   XXXX   XXXX  -  XX/XX/17    ( ID THEFT )  XXXX   XX/XX/17    ( ID THEFT )
Consumer complaint received 2015-05-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX 2015 I disputed charges that were unauthorized on my bank account. On XXXX XXXX my direct deposit went into my bank account for {$2600.00} the disputed charges were {$940.00}. At XXXX on XXXX/XXXX/15 the bank restricted funds for withdraw, I called them at XXXX and emailed them through the online system. After being on the phone with them without an answer as to why I finally received an email that said they were restricting my accounts, at XXXX. They have not notified me of finding against my claim for disputes, but today said on the phone that they wo n't know until XXXX XXXX. The disputed charges are XXXX my checking account balance is XXXX. It 's been 10 days since the dispute and the credits were given and no notice that they were going to be reversed. I paid my rent and the bank reversed the payment causing my lanlords bank account to be negative {$1300.00}. I have never been notified by mail, email or phone as to what is going on and now they do n't know when my money can be sent.
Consumer complaint received 2024-01-29
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. (NC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-07-21
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: EQUIFAX, INC. (SC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are 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 block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2023-03-18
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: Maximus Federal Services, Inc. (NC)

I have submitted 3 disputes through XXXX asking them to require documentation from Aid-vantage other than the breakdown of late payments because during the time they are saying the loans were late they were supposed to be in repayment. I have the applications I made from the studentaid.gov website and the breakdown where it shows that the loans were under repayment and forgiveness. XXXX failed to provide documentation and rules that what Aid-vantage is saying is correct although before my loans were transferred to them I did not have any late payments. When I asked XXXX why they didn't provide documentation they stated that it is not their job to investigate they only take a statement from the company that says what I am disputing is correct. They base their investigation on he said she said instead of factual evidence.
Consumer complaint received 2019-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MO)

I was charged a monthly service fee of {$14.00} even though I used my card 10 times the month of XX/XX/XXXX. I have uploaded the screenshots that prove Wells Fargo is stealing out of my account every month. You can clearly see that the card was used 11 times this month. And take note that this is still XX/XX/XXXX but the screenshots says Its already XX/XX/19. That is the undeniable truth that Wells Fargo is stealing out of my account under the guise of a monthly service fee. Wells Fargo does this to my account every month. Im tired of Wells Fargo stealing out of my account. Just letting you know that if I use my card 10 times a month I shouldnt be charged a service fee. Thats the problem. Even though I use my card 10 times a month to avoid the monthly service fee Wells Fargo still steals it out of my account regardless of if I used it 10 times or not.