davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

PennyMac is our loan serviced and we escrow both taxes and insurance. They allowed our insurance policy to lapse without any notification or attempt to contact us until they told us due to failure to provide proof of coverage they were force placing insurance on our home. We reached out and were unable to renew with our prior company because the policy had not been renewed timely which prevented us from extending from the time of lapse. We immediately contacted another insurance provider and secured coverage. PennyMac is now charging us for the lapse in coverage and refuses to rectify the situation. I requested they provide an escrow waiver going forward so I can ensure timely payment going forward. They refused. The same situation nearly occurred last year, but I paid out of pocket to ensure continued coverage and they double paid the policy ( after it would have lapsed ) which cause a refund.
Consumer complaint received 2018-11-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NV)

On XX/XX/18 I was informed that someone went to my home to serve me court papers. I searched the XXXX XXXX courts online and found a case filed by XXXX XXXX XXXX and the amount I allegedly owe is between $ XXXX {$5000.00}. 
I have never heard of this company and I have never been contacted by them via phone or mail. I am completely unaware of a debt to them and I am concerned that there isnt even an amount specified. Is this legal? I have had no opportunity to request validation of the debt nor to dispute it and no papers were served to me as I am travelling for the holiday.
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After having to deal with endless hours battling transunion for them to remove an unauthorized fraud alert / credit freeze I run into another issue with them. 

I recently opened a new credit card account which raised my XXXXx and XXXX credit scores roughly XXXX points to about XXXX. My transunion score went down a huge XXXX points from XXXX to XXXX when it was supposed to raise that score. 

I call transunion and they will barely comment on it. I think something is fishy. 

XXXX XXXX XXXX
Consumer complaint received 2023-07-02
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2023-02-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AXOS FINANCIAL, INC. (CA)

My husband had an auto loan through Axos bank. He passed away XXXX XXXX, XXXX. The loan is in his name and the bank hold the title. I contacted them on XXXX XXXX, XXXX to get the loan pay of and to have it transferred into my name so that I can sell it because I can't afford the payment. Here are the emails : XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX to portfoliomanagement My husband. XXXX XXXX, passed away XXXX XXXX of last year. I have been making payments on the truck, # XXXX, and have finally received the death certificate so that I can sell the truck. What steps do I need to take in order to do that? 
Thanks XXXX XXXX XXXX XXXX Fri, XX/XX/XXXX, XXXXXXXX XXXX  to me Good morning, Unfortunately, since you are not on this loan you would either have to pay this loan off with us or refinance and get it under your name. 

XXXX XXXX XXXX Wed, XX/XX/XXXX, XXXXXXXX XXXX to XXXX My husband. XXXX XXXX, passed away XXXX XXXX of last year. I have been making payments on the truck, # XXXX, and have finally received the death certificate so that I can sell the truck. What steps do I need to take in order to do that? 
Thanks XXXX XXXX XXXX XXXX XXXX Attachments XX/XX/XXXX, XXXXXXXX XXXX to XXXX My husband, XXXX XXXX XXXX is deceased. I want to pay off the loan # XXXX and have the title transferred into my name, XXXX XXXX XXXX Attached is the death certificate. 
XXXX XXXX Since I didn't get a response I drove to their branch in XXXX XXXXXXXX and only got to speak with a receptionist who made a copy of my driver 's licence and the death certificate and said someone would contact me in a couple of days. They didn't. I called XXXX XXXX and was told someone would call me back that day. They didn't. I called XX/XX/XXXX and was told someone would get back to me that day. They didn't. I called XXXX XXXX and was told the case # is XXXX and someone would call be back. They still haven't and I don't believe anoyone is going to at this point.
Consumer complaint received 2018-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MS)

I received a notification on XX/XX/XXXX from XXXX & Equifax is still investigating, and inaccurate reporting of bankruptcy discharge in the file they maintain under my social security number. The documents I received from these agencies list its " method of verification '' from XXXX or XXXX XXXX. I have attached a recent letter from XXXX XXXX reporting the inaccurate bankruptcy has been removed from the files they maintain under my social security number. I have requested from both their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Both are operating in bad faith which is an additional violation of FCRA 611 ( 5 ) ( A ).

According to 15 U.S.C. 1681 Fair Credit Reporting Act Section 602 ( a ) Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy.
Consumer complaint received 2024-02-12
Product: Credit 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: Atlanticus Services Corporation (NY)

This report is because I already tried to resolve this issue directly with the card issuer. However, they insist that I must pay for the charge reported as fraud. I want to report again that this charge was not authorized by me. I do not have another authorized user on the account and I have never given my card or information to anyone so I am completely unaware of this charge. I asked Aspire to do a thorough and appropriate investigation into this case but they did not do so as they never provided me with the information used in the investigation. I contacted the merchant and they told me that the card issuer should work with them to reach a result. I reported the charge after contacting the XXXX merchant and that is why I did not report the charge immediately to the bank. I tried to resolve it with the merchant first and told the Aspire agent who helped me. 
Also, I'd like to report that I do not have a credit card since a few months ago because Aspire haven't sent a replacement card yet. This actions shows their lack of ethics and professionalism. Aspire doesn't care about customer satisfaction at all. It seems very unfair to me that I pay XXXX dollars every month plus an annual fee for the use of this card when I am not using it because I have been without the card for months. 

Transaction details : XX/XX/year>XXXX XXXX  {$250.00}
Consumer complaint received 2023-06-21
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: Experian Information Solutions Inc. (FL)

Im submitting a complaint to the Credit Bureaus today to inform the Credit Bureaus I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The items in question are as follows : 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 XXXXXX/XX/XXXX. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.
Consumer complaint received 2023-08-15
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CNG FINANCIAL CORPORATION (SC)

XXXX -- XXXX XXXX says he's the XXXX. He said they're registered with the state of SC, and that he works for Location Services. They threatened to send someone to my house. 

They call M-F. I answer the phone. I spoke to them yesterday!! 
Today they called and let the phone ring back to them without answering. I called back and asked why they were harassing me when I just spoke with them yesterday. 

XXXX said I was rude and I needed to be quiet while he spoke. He then asked me " if the Lord knew '' how rude I was. He said he didn't think " the Lord would approve '' of how I acted.

RELIGIOUS HARASSMENT IS A STEP TOO FAR AND SHOULD BE ILLEGAL.
Consumer complaint received 2023-03-01
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: Experian Information Solutions Inc. (MI)

The XXXX XXXX  XXXX does not report to credit agencies. I have not gave permission to any agency to report bankruptcy on my credit report. Experian, XXXX, XXXX all have violated me by placing this on my report. I have been denied credit because of this. The Bankruptcy Court is not responsible for credit reports and does not have any control over your credit report. I have tried to disputing this with the above credit agencies but have not had any luck.
Consumer complaint received 2018-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my third compliant to you. You have not resolved the original issue I had with the credit reporting agencies. As I stated in the last two complaints, I sent 3 dispute letters to XXXX, transunion and XXXX   disputing items on my credit report. You as well as the credit reporting agency repeatedly ignored the FCRA. You as well as the credit reporting agency has not produce any documentation proving the said items belongs to me. You as well as the credit reporting agency constantly states that the furnisher has verified the said disputed items. Who is the furnisher? How did they verify? Where is the original signature page, which provides proof items belongs to me? You both have failed numerous times to produce proof of said items. I am beyond anrgy that this is still not resolved after four months. I want to see your proof, which must be the original signature page of the allege contract as required by the FCRA.
Consumer complaint received 2018-04-17
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. (NY)

On XX/XX/18I opened a dispute with Experian disputing an error on my credit report with a recently opened collection, Experian completed the investigation on XX/XX/2018 and explained to me the information was accurate, so I submitted a reinvestigation on XX/XX/18 asking them to explain and show me proof of the accuracy since I told them the account was unverified, but after they completed it again on XX/XX/18, they said the information have not changed, I submitted the same disputed account with another credit agency ( XXXX  ) and they removed the same account because the information was not accurate.
Consumer complaint received 2018-04-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (AZ)

I called XXXX XXXX XXXX at XXXX on XX/XX/XXXX and spoke with a representative in the XXXX. The purpose of my call was to ask the representative what date do I need to make a payment to save me the most in finance charges. The representative placed me on hold, and came back and said that if I pay on XX/XX/XXXX, I will be charged the least amount of finance charges. In XX/XX/XXXX I checked my account online and found that my finance charge was {$110.00}, which was nearly double what I am generally charged. I immediately called back customer service in the XXXX, and spoke with a representative who said that will not refund any finance charges and the most that they can do is apologize for the error. I asked for a supervisor, he said he doesn't have one. I insisted so he said he can transfer me to someone in his exact position. I asked her for her supervisor, she said she doesn't have a supervisor, and basically said the same thing that her coworker said. I called a number for the fraud division, and they advised me that I can call the main number and request a US representative Monday thru Friday. So today, I called and spoke with supervisor XXXX XXXX out of XXXX, TX who said that even though I was misadvised by a XXXX representative, they can not refund the amount of finance charges that I was misadvised on. She said, I need to refer to my contract.
Consumer complaint received 2020-12-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I disputed these accounts on XX/XX/2020. It has been over 60 days and I havent received anything from the credit bureaus. I always thought the credit bureaus had to complete an investigation within 30 days. Clearly its been longer than 30 days and the bureaus are ignoring me. According to 611 ( a ) failure to complete an investigation within 30 days is grounds for automatic deletion. It has been well over 30 days in my case. These accounts should be removed from my credit report.
Consumer complaint received 2020-01-31
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. (FL)

However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 

Can you please send me information showing that these debts are actually mine? And if they are mine, can you send me information that shows the amounts that I owe, because the amounts that these accounts say I owe seem higher than anything I was ever responsible for. 

I am also requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. 

Because I dont recognize these debts, I am also asking that you no longer contact me by phone about them, especially because people are calling my cellphone and I dont want calls to my cellphone.
Consumer complaint received 2020-12-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX data breach and this may be the way my information got into the wrong hands
Consumer complaint received 2020-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The company offered a promotional zero percent apr balance transfer but never provided information on when the transfer would end. All other banks that I use have this information but they not only do not list it on statements, it is not accessible anywhere. From one month to the next and with zero warning, the APR jumped to 20 percent and I was also charged a late fee because my recurring payment did not cover the minimum payment. I was also not warned that the minimum payment would not be covered by the recurring auto pay.
Consumer complaint received 2018-04-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Massachusetts Educational Financing Authority (CA)

I filed a complaint against MEFA last month because they refused to lower my monthly payment even though I was let from my job. Late XX/XX/XXXX, someone contacted me about getting a lower payment. I was not able to reply right away because I caught the flu and I had to gather the necessary documents. I sent in my application on the XX/XX/XXXX. On the XX/XX/XXXX, the Consumer Advocate got back to me and asked for something I didn't have and couldnt get. He did not respond to that email, so i started check in every day and still no response. Today, I finally got a response from him asking again for the things I tried to get and did not have and I had to explain again that I did not have what he was asking for. This has been a frustrating process with a uncommunicative consumer advocate. MEFA promised they would help but have been so difficult to work with. I will not be able to pay my rent this month now.
Consumer complaint received 2022-05-04
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. (CA)

I have sent many letters, I have tried challenging the erroneus reporting, I have shown how inaccurate the reporting is across all 3 bureaus at least 5 times now and each time the bureaus use their automated system and somehow the creditor verifies it. How can it be accurate if it is not the same across all 3 bureaus?! How can I have different open and close dates, different payment statuses? I paid this account in full in XX/XX/XXXX as part of a settlement agreement. The account was never charged off or sent to collections. Every month they add a new random remark thus dropping my score even more when this was done in XXXX and there should be NO MORE reporting EVER past XX/XX/XXXX when it was paid and closed in full! This is completely against my consumer rights that no one cares that it is not reporting correctly when I point out blatantly inconsistent reporting! NO remarks/no reporting, no anything should have been reported past XXXX XXXX! Low and behold I log into my XXXX reporting and XXXX XXXX has added a new payment status : 120 days past due. Thats weird since it was been PAID SINCE XXXX! Incompetent and unacceptable! And how can they say this was charged off and sent to collections when it never was?! Which has also been one of their status updates! I did a settlement well before my account ever got to that point! Their own letter states that this will be updated as paid as agreed! So why is one bureau showing my CURRENT payment status as 120+ days past due and another bureau showing in collections/charge off if it is PAID! At this point I feel all of their reporting is malicious and I will sue if this is not 100 % correct or deleted from my reports in entirety. XXXX XXXX has bullied me enough the last 6 months with their poor reporting. As you can see by lying on their reporting as of TODAY XX/XX/XXXX and deciding to randomly go in and do a status update they stated my account is 120 days past due as the current payment status and it has yet again dropped my score XXXX points today?! Absolutely ridiculous. It needs to be corrected TODAY!