davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

On XX/XX/2020 I received my monthly mortgage statement from PennyMac indicating my payment was not received and I am already due for 2 monthly payment. Although my payment was received as it shows on the statement on XX/XX/2020 for the amount of {$1400.00}, and my monthly payment is {$1400.00}, so my payment was more than my monthly mortgage payment. 

I called Penny Mac and spoke to XXXX ID # XXXX on XX/XX/2020 at XXXX XXXX  ET, trying to understand why my payment on XX/XX/2020 was not applied and I was told because I am making a bill pay thru my bank, I told XXXX but I have been making the payment for over 6 years now and never encountered this issue and why now this changed without an advanced notice. 

I asked XXXX if she could escalate this matter because this is impacting me since my payment is not applied properly, I was told since I am making my payment from my Bank this is the result basically. 

I think this is not right and PennyMac is not treating my fairly by applying my payment properly to the account to reduce my principle balance properly.

Could you please advice as to what I can do since PennyMac are not willing to fix the problem nor acknowledging the problem.
Consumer complaint received 2020-02-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (MD)

Hello, I received a letter from Covergent in XX/XX/2020 stating that I owe a debt to XXXX XXXX XXXX , XXXX in the amount of {$16.00}, XXXX and they are will to reduce the balance to {$4200.00}. It says the original creditor was XXXX XXXX XXXX XXXX. I researched all three company 's and to no avail I'm still not confident this isn't a scam. The letter doesn't disclose the type of debt and what it is for i.e, car loan, cellphone account ect. Very limited information given but they want my credit card information. Seemed fraudulent because I don't owe a debt to anyone. I called to get more information and was asked for my name, address and social security number. I refused and they hung up. 

Please report Convergent, XXXX XXXX XXXX , XXXX, and XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-02-27
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. (CT)

1 ) XX/XX/2019 : I was booking my air ticket to XXXX using the XXXX web site. My first option was to book the ticket using the travel agency XXXX, which I did. The transaction was not completed at the time of payment as the screen went into a processing loop and I did not get any confirmation from XXXX. 
Not being successful, I booked my air ticket using XXXX through another Agency XXXX XXXX.The transaction was processed and I received a confirmation. 
2 ) XX/XX/2019 : I received my credit card statement and I was surprised to see two charges for the same booking. Somehow the first transaction had gone through. I called the credit card company regarding the duplicate charges. They agreed with me and issued a credit. 
3 ) XX/XX/2019 : The credit issued by the credit card company was on the wrong transaction.They issued the credit on the first transaction ( XXXX  ) instead of XXXX XXXX. This was subsequently corrected. 
4 ) XX/XX/2019 : To correct the duplicate billing a credit was issued on XXXX. At this stage the accounts were properly settled and I was only paying for one ticket. 
5 ) XX/XX/2019 : The credit company re billed XXXX, so that now I was paying for two tickets for exactly the same transaction. I have no idea why they did this.
Consumer complaint received 2020-02-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2020 I went into the inside teller at a TD bank location in XXXX XXXX Florida. Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Florida XXXX. At around XXXX XXXX est time to make a cash deposit in the ATM machine. During that time I made a big cash deposit around XXXX $ mixed bills 100s 50s and 20s. Around XXXX est time. The machine was still processing the funds. Immediately reached out to an employees that was still in the branch. I told him the situation. He went to get another employee the employee assisted with seeing how much the machine took. I told him a rough estimate. I was going to deposit a total of {$5600.00}. The machine took between XXXX . The representative told me to pull to the window to get my information. I deposited the remaining money I had on me. He took my information told me to go into the branch in the morning to get it handled. I was informed if the atm is over during the morning they would know whos account the money belongs to and it would be taken care of. I am opening this case now to be safe if the issue is not resolved. Multiple cameras including the ATM have me on video. So it should not be complicated to credit my account. Poor quality machine hindering my opportunity to pay my bills.
Consumer complaint received 2017-07-25
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. (LA)

I disputed all of my Inquiries on my credit reports from XXXX and XX/XX/XXXXand they did not remove them. I did not authorize them and I need them off to be able to acquire other credit. I called, faxed and mailed disputes and they still are not removing them. The FCRA states that the only permissible purpose for pulling someones credit is for A. Firm Offer of Credit B. B. Insurance C. C. Employment D. D. Court Order
Consumer complaint received 2021-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I previously notified ARS that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts ending in XXXX and XXXX Remove any charges such as {$35.00} and XXXX on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately.Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report.Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs.Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Consumer complaint received 2020-02-27
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. (NC)

I have a pending case. However, the issue was that the information on my credit report was incorrect. 

According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. 

My original letter was dated XX/XX/XXXX, with Equifax reported receiving on XX/XX/XXXX. As of today, XX/XX/XXXX, Equifax has not completed the investigation within the 30 day time frame. I originally filed a dispute with cfpb on XX/XX/XXXX, which was 48 days past the date Equifax reported receiving the dispute from me. 
I am requesting that the negative listing being disputed from XXXX XXXX XXXX be removed from my credit report.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

I applied for credit with CITI and was denied App # XXXX & XXXX. The reason they stated I was denied was due to information they recieved on a consumer credit report. This is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. CITI has violated my federally protected consumer rights per the codes listed below. 
1. 15 U.S Code 1642 2. 15 U.S Code 1681 M 3. 12 CFR 1002
Consumer complaint received 2021-07-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (WI)

To whom it may concern, Americollect INC. in XXXX, WI is the debt collection company saying that I owe them a debt. I only know that this company collects a debt, but dont know anything else about them. As I was checking my credit report it says Im in collections with this company. 

I sent them a letter requesting anything that attaches me to this company to verify that the debt belongs to me on XX/XX/2021. In addition, Ive asked for my HIPAA release with my signature and the documents from the hospital that authorized Americollect INC. to collect a debt from me that I dont recognize. They sent me multiple things that doesnt show my signature connecting the hospital, Americollect INC., and me and failed to send me my HIPAA release form to show the hospital actually gave them my PHI.
Consumer complaint received 2024-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

LVNV funding likes to pass its debts between several of its own companies. They attempted to sue me in court and lost. I have an order of dismissal that was granted on XXXX XX/XX/2023. They were represented in court by an attorney and despite losing the case they chose to continue to report it and now outsource it to a company called XXXX XXXX XXXX XXXX received an email with the judge 's findings. A court has ruled on this case and despite having lost they continue to try and wreck my credit, harass me and just act dishonestly.
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KY)

I received two letters from XXXX XXXX with notifications that I was deceased. I called them and spent over a hour on the phone trying to correct their mistake. The follow day I received a email from Experian alerting me that my social security number was linked to a deceased person. I attempted to call the number on the email and even attempted another number located on their website/membership contact us page. After multiple failed attempts to make it through their automated system i would like to file a complaint, I am unable to correct this information with them because at no point in their automated system can you, or does it give you the option to speak to an actually human being. This entrain situation has delayed my potential to enlist in the military and had potential ramifications on my credit and other areas of my life if I can not get it resolved. And I am unable to do so because of the inability to actually get into contact with anyone from that credit reporting agency.
Consumer complaint received 2020-02-27
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. (IL)

There are two debts collectors ... XXXX XXXX & XXXX appearing on my credit file.I have never been involved with ANY of the businesses with whom theyre representing.This unfair and ill-waranted activity is causing extreme harm to my credibility as a consumer.I have reached out to all relevant individuals with no success.I appreciate your assistance in this matter.
Consumer complaint received 2020-02-27
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: GreenSky, LLC (MI)

Recently I contacted Greensky/XXXX  XXXX/XXXX  XXXX XXXX. For months I've been attempting to get this matter of a negative impact of 70 pts ( one year later ) XX/XX/XXXX resolved. This matter has been disputed with XXXX/XXXX/XXXX. The account was closed by grantor XX/XX/XXXX by grantor due to delinquency/non reporting. XX/XX/XXXX creditor reported payment reversal indicated by R03 ( reversal ). The creditor 's payment portal auto-populates my banking information, however on this date it did not, therefore an error on their system. This created late payment notifications, however I was never late until an unforeseen circumstance XX/XX/XXXX. If not for the payment portal issue, the unforeseen circumstance would not have occurred. Greensky continues to hold me accountable for their payment portal error. 

I am requesting that Greensky immediately restore 70 pts to my credit score, report condition as open and correctly report to this account.I have never been late on payments. I continue to make on time payments. 

Representatives indicated that the reasons to close this account, 1 )  purchase window expired/no longer eligible for purchases, and 2 ) late payments. Neither of the reasons makes sense. Opening this account with XXXX XX/XX/XXXX only for home improvement and no other purchases were intended. This account was given to Greensky as a servicing agency.
Consumer complaint received 2022-01-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (OH)

Sallie Mae notified me that I have to continue to make payments. I am still enrolled in school but they have told me that I have used my maximum of 48 months of deferment. This conversation occurred today ( XX/XX/XXXX ) after spending 2 hours on hold waiting for an initial rep and then an additional 45 minutes of waiting on a resolution specialist after being transferred for a total of over 3 hours on the phone. 

I explained to them that I live paycheck to paycheck as it is, and with the current pandemic there is no way that I can resume payments until I have earned my degree at the end of Spring XXXX. They wanted to speak to my grandfather who is my cosigner but the man is over XXXX XXXX XXXX with his wife in and out of the hospital ( she just left the hospital yesterday XX/XX/XXXX ). This will be too much stress on him and he is not responsible for the loan. I am. Every time I have spoken to a representative in the past regarding my deferment and picking back up school they have not once disclosed to me that there is a max time of deferment. I also did not get any warning or notifications that my deferment max would be coming soon.
Consumer complaint received 2022-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP ()

Years..12 yrs w/Key bank.Now they do not refund fraudulent charges and make a customer jump through hoops to the tune of XXXX XXXX dollars by one predatory debtor..there are morre they never address.NOW after closing the local branch disconnected phone calls and chats..I have no HELP..taking care of this XXXX yr old WW2 vet while they promote themselves on sociaL MEDIA IS UNBEARABLE TO SEE.tHEY ABOLISHED A SAVINGS ACCT W/FEES IN A FEW MONTHS! they GAVE THE wrong DEPOSIT INFO AND MY XXXX  WAS never DEPOSITED.i AM STILL PRAYING TO SAVE THIS FARM PROJECT..BUT NO DEPOSIT BECAUSE THEadvisors AT THE BRANCH GAVE ME THE WRONG deposit INFO..WAS APPROVED XXXX XXXX.NO DEPOSIT. yet.Continuous issues, nightmares in a very scary time for all of us.These folksd do NOT deserve whatever status or license they HAVE to take anyones money..ever
Consumer complaint received 2015-05-07
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been a customer of Bank of America for over XXXX years and have not had any late payments, but they reported XXXX XXXX day late payments to the credit agencies. I have stellar credit and have always sent my payments out prior to them being XXXX days late.
Consumer complaint received 2020-02-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: SYNCHRONY FINANCIAL (NJ)

I had an IRA account in Synchrony Bank. In the middle of the year ( XX/XX/XXXX ) and after the IRA certificate of deposit expired, I asked them to wire the IRA money to XXXX XXXX XXXX XXXX XXXX. I am not aware of words as distribution or rollover. I explained to Synchrony Representative that I am opening 5 Years CD with the XXXX XXXX  XXXX XXXX XXXX and the need to wire the money to this credit union as a continuation of the IRA. The Synchrony Representative asked me to sign the paper and make edits along the way and indicated that they are wired the money to XXXX XXXX  XXXX XXXX XXXX. In XX/XX/XXXX, Synchrony bank-issued 1099R under distribution. The representative XXXX indicated that she is willing to fix it at the beginning of the phone call, but she changed her mind within seconds during my phone call with her on XX/XX/XXXX. She said if the XXXX XXXX  XXXX XXXX XXXX indicated that THE IRA was a RollOver, She will fix the 1099R. Later on the same day, I received a call from XXXX XXXX who is working In Synchrony and refused to change the 1099R to Rollover. Synchrony Bank is punishing customers who end the relationship with their bank. The transaction should be done as a custodial transfer and not as 1099R with the distribution.
Consumer complaint received 2020-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AZ)

I have disputed the claim that I missed ( 2 ) two payments back in XX/XX/XXXX to PHH Loan Servicing and they continue to to tell me that I missed the payments. When I discussed thoroughly my payment history which showed no missed payments ; they insisted they are right. I have proven documentation that no payments were missed but yet they are reporting me late and insisting I bring the account up to date now in XX/XX/XXXX. I asked why was this not brought up then, and they respond by reading a script with no answer. This is a foreign operated company who has little information about our laws, state laws, real estate laws, your loan and so forth. But yet has the power to discredit you by the means of your home investment. I have asked for a review and proof of missing payments ; and they send me a copy of the pay history so small I believe it would be a less than 6 font! Since I already had the information to prove other wise ; they failed to acknowledge and insist they are right ( even when I went over the payment history line for line ). I have tried to reach the company by the listed address in NJ, but only get a response from the over seas division of operation who has no clue as to what to do. All they want to do when calling is set up appointment dates to kick the can down the road. This is a major problem, I feel like I am being extorted for my house! I have looked into multiple ways of dealing with this issue and taking advantage of all that's available to me.
Consumer complaint received 2019-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2019, I successfully received my XXXX credit report online, but was unable to access both my TransUnion and XXXX   credit reports. 

Instead I received a message stating 'an error occurred ' after following the online prompts for the two subsequent reports after downloading the XXXX  report. 

On attempting to regain access to the two reports I didn't receive, a message was displayed stating I had already received my free reports. This was a false statement as I did not receive either report from XXXX or TransUnion.
Consumer complaint received 2017-07-25
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

after living in a complex for 12 years, I made them aware that i was in the process of purchasing a home, i gave the proper notice of intent to vacate. upon doing so at the time i was turning in my keys i asked to do a walk through and gave my forwarding address and at which time the asst mgr stated he didnt have time to do the walk through. after i had moved out a year never received no correspondence pertaining to if any charges, upon checking my credit report after a year, i noticed a charge of XXXX for apt complex, i disputed it with the collection agency as well sent the complex notification and they sent a print out of what they said was owed which drop from XXXX to XXXX i then proceeded to ask what happened to my security deposit that was kept in an intrest bearing account, i asked them to calculate how much interest did it earn and give me a break down of such. after i sent notice to dispute, they contacted my Son sending him the same document with my name on it stating that it was his debt and placed the same amount on his credit report as well.
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have several inaccurate marks on my credit report that I have attempted to correct several times. 

I have asked for verification of the validity of these accounts months ago, XXXX  especially, only temporarily removes the account and then puts it right back in 30 days. 

Accounts that are not valid : - XXXX XXXX - XXXX - XX/XX/XXXX - {$95.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX *Note* - XXXX XXXX XXXX claims that I made 100 % of my payments, yet they display 5 negative remarks, and also they are claiming " negative marks '' on dates after the account was already closed ... this obviously is not my account, nor verifiable. 

Inquiries Not Valid : - XXXX XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXX - XXXX  XXXX XXXX  XXXX -  Inquiry date : XX/XX/XXXX XX/XX/XXXX