davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (HI)

DO NOT GET A MORTGAGE OR REFINANCE WITH PENNYMAC LOAN SERVICES UNTIL YOU READ THIS! 

My husband and I got our original mortgage through XXXX XXXX. After five years, we received a notice in the mail that PennyMac was offering lower interest rates so we ended up refinancing in XXXX XXXX. We had asked PennyMac to to give us the same set-up as we had with XXXX XXXX, which was to include our home owners insurance to the monthly mortgage payments. They failed to do so, so we continued to pay the home owners insurance on our own. 

On XXXX XXXX, XXXX, I received a letter from PennyMac that they purchased home owners insurance on my property in the amount of {$4200.00} which they placed on my home in XXXX XXXX. Naturally, I called PennyMac to clear the situation up, but instead I was subject to being either transferred from department to department several times, with no one knowing what they were talking about, to being placed on hold for several minutes until I eventually got frustrated and hung up. 

I wrote a letter to PennyMac, and they said they reviewed my contract and it showed that I did n't have " Hurricane Insurance '' only " High winds '' and that I had let my homeowner 's insurance collapse. Not true ... ( Have all the documents to prove it and my insurance company faxed my documents to various individuals at PennyMac on several occasions to verify the same. ) Also at the time of closing, the Hazard Insurance Authorization Requirements form from PennyMac did not state that " XXXX '' coverage was an insurance requirement for escrow of funds. There is no right under the existing mortgage for PennyMac to collect insurance funds without notice to the borrower indicating these new charges. There was never any notice sent to us with regards to placing this insurance on our property either. In fact the insurance provided by us was deemed sufficient and there was no escrow requirement for hurricane insurance imposed upon this loan. 

On XXXX XXXX, XXXX, I wrote to PennyMac once again requesting for a master copy of the forced placed insurance policy and proof from PennyMac that the premium charged to me was in fact paid by PennyMac. There has been no response to this simple request. 

Finally, I was left with no choice but to hire an attorney. And every month they continue to spin their wheels telling us that it is in review status. I figured that I would first report them to the XXXX and Consumer Reporting. If they continue to spin their wheels, and not drop these ridiculous charges, we will be left with no other alternative but to sue PennyMac for unfair and deceptive trade practice as well as a Fair Debt Collection Practice violation. 

So I ask you? Do you really want to deal with these issues? Then consider this my gift to you.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (ND)

my student loans on my XXXX  and equifax show that it is open and has not been updated as i my student loan have been paid in full by student loan relief program last XXXX and XXXX. A month after my student loans were taken care of my XXXX  updated that it was paid and closed the account and this dropped my debt to ratio down but my other credit reports have not.
Consumer complaint received 2019-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: National Recoveries, Inc. (NY)

Hello, I am a XXXX  XXXX through the XXXX XXXX XXXX. My client, XXXX XXXX, attempted to rehabilitate his loans with National Recoveries Inc. on XX/XX/19. We were on hold for 50 minutes and were then disconnected from the line. We called on XX/XX/19 and have been on hold now for 30 minutes. I expect we will be disconnected again. It is now the end of the month and will be missing out on the XX/XX/XXXX payment if we are not able to connect with them. My client in good faith saved a small lump sum to make 9 monthly payments. We attempted to file a complaint with the National Recoveries and we received an error on the web page. 

We called the XXXX XXXX XXXX to discuss what can be done, but they were experiencing a high call volume and we could not connect with them. 

He is trying to correct his defaulted loans, and it has been a frustrating situation to deal with.
Consumer complaint received 2016-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NC)

I had XXXX IRS tax liens filed in XX/XX/XXXX and XX/XX/XXXX in the amounts of {$130000.00} and {$87000.00}. They were released in XX/XX/XXXX. The were WITHDRAWN XX/XX/XXXX. Equifax began to report a lien of {$13000.00}, as a XXXX lien, in XXXX XXXX. At various times they have reported this non-existent lien twice, duplicated, so a total of XXXX. I have filed 14 disputes since XXXX/XXXX/XXXX. Recently, they changed the {$13000.00} to {$13000.00}, and are reporting it twice. This lien has never existed. Equifax continues to state that they have contacted XXXX County North Carolina and verified these liens. This is a blatant lie. It is not done electronically, they have to send someone there physically to the Superior Court office to pull the records. I have attached the XXXX WITHDRAWALS for the REAL liens, so they should NEVER be reported again. I have attached a letter from the XXXX Superior Court Clerk that clearly states that the XXXX REAL liens are the ONLY liens that were ever filed. There has never ever been any lien filed for {$13000.00} or {$13000.00} or or any other amount than {$130000.00} and {$87000.00}, NEVER, EVER! And the real liens have been WITHDRAWN, in IRS parlance that means it is as if they never existed. 
Please help me to force Equifax to cease and desist reporting ANY IRS tax liens on my credit report. I have disputed their various iterations of this reporting 14 times!! since XX/XX/XXXX. Enough is enough. 
Thank You Sincerely XXXX XXXX
Consumer complaint received 2022-02-16
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. (MD)

I purchased a vehicle from XXXX in XXXX under my business account to which I was tall and was under the impression was not going to show up on my personal credit and it do I request to have that removed off of my personal credit and I was told that thats not possible so I need a better understanding to how I purchase a vehicle under my business account under my business name under my business XXXX in number but its on my personal credit report.You have two separate entities for a reason I was told that XXXX will just do one hard inquiry on my personal credit report and my vehicle payments and information will be available on my business report which is not showing true. XXXX also need to update my old account to which they still have it shown active which is incorrect information which is affecting my credit report
Consumer complaint received 2021-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Rushmore Loan Management Services LLC reported me more than 30 days delinquent when I was in COVID related forbearance several months ago. I have tried for months to resolve this with them. I submitted copies of the credit report, as they keep saying they need that to do further review. Finally a customer service representative did a full review of everything in my file, and sent the letter showing my forbearance to the credit dispute division. Then I received an electronic copy of a letter in my Rushmore login on XX/XX/XXXX saying a correction was sent to the credit reporting bureaus and to allow 30-45 days for correction to go through on my credit report. I got an alert on XX/XX/XXXX from one of the credit reports I monitor, saying there was a change to my credit sector. I logged in, and it said on XX/XX/XXXX my account with Rushmore was updated to current. However the 30 days delinquent mark is still there in the report. It needs to be removed, as it was clearly a mistake and Rushmore has admitted this. But my thinking is they did not make it clear to the credit bureaus that they made a mistake, they would rather just imply that I paid up and am now current instead of admitting that they falsely reported me delinquent and made me suffer all these months to convince them to correct it. Rushmore Loan Management Services needs to contact the credit reporting bureaus and tell them to REMOVE COMPLETELY the 30 days delinquent mark on my credit report, because it never happened. It was a mistake on their part, I was in forbearance at the time, and needs to be deleted off my credit reporting record in order for my score to improve to what it was before they made this horrible mistake. Its not fair or right to tell the credit reporting bureaus that I paid off the 30 days delinquent and am now current, instead of telling them the truth which I was never delinquent at all. That 30 days delinquent charge is still on my credit report for anyone to see, and it will prevent me from getting a car loan, a credit card, etc for the long term foreseeable future until they do what is right and tell the credit bureaus the truth. Attached is the proof of my payment history with Rushmore, including the letter of forbearance for the period in question on my credit report. Plus copies of the negative report still on my credit as of this week, and the new verbiage which states I am now paid as agreed, instead of stating the truth which is that I was never delinquent at all. This negative mark needs to be deleted entirely off my credit repertoire, which the credit bureaus will never do unless Rushmore is upfront and direct with them that they made a mistake.
Consumer complaint received 2016-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (RI)

I 've been trying to rectify my loans since XXXX, calling, emailing and faxing dozens of pages of information, in order for my Income based repayment plan to reflect my current income. They called me about 4 weeks ago telling me i was still past due ( they had recieved my pay stubs weeks prior and did n't process them, and after talking to them they FINALLY tell me that my loan payments have been straightened out in accordance with my financial information, and told me what my payment would be and that is would be due XXXX XXXX, only to log in on XXXX XXXX to make a payment and find that they are STILL asking me for almost 10 times what they told me my payment was supposed to be based on my financial standing.
Consumer complaint received 2016-06-01
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AES/PHEAA (LA)

On XXXX XXXX, 2016 I received a call from a XXXX XXXX, with XXXX XXXX @ XXXX stating that my student loan from American Education Services, AES is now in Default and that Transword System have my student loan. XXXX XXXX went on to say that I owe {$15.00}, XXXX on my loan and that National Collegiate, NCT Trust is offering me a settlement to pay only {$11000.00}. XXXX XXXX went on to break it down that if I ca n't pay {$11000.00} I could pay {$2500.00} down and pay the remaining balance each month until paid in full. I tried on several attempts to get National Collegiate Trust 's contact number so that I can confirm XXXX XXXX 's conversation. As of XXXX XXXX, 2016 I have yet to receive that information. In fact, I spoke with XXXX XXXX 's supervisor on XXXX XXXX, 2016 and ask for NCT 's contact number he gave me an account number that included my social. On XXXX XXXX, 2016 I contacted AES to see what was going on with my account, AES informed me that my account had a $ XXXX balance and that they do not have any other information on my account. I asked if AES had a contact number on NCT, they provided me with XXXX XXXX 's contact which is XXXX. I have research and google NCT and found nothing. At this point, I 'm not sure who is NCT and why is XXXX XXXX trying to collect {$11000.00} from me. XXXX XXXX XXXX provide me with a " Note Disclosure Statement '' which included my husband and I signature. They have not provided us with any proof of ownership of my XXXX XXXX account. I never received anything from NCT stating ownership of my student loan. Also, NCT has not provided me anything in writing stating that they transfer the account to XXXX XXXX. I truly believe that me and my husband are a victim of fraud and identity theft. My husband and I have never dealt with NCT in the past or XXXX XXXX. In addition, we have no knowledge of these companies and if they are legitimate. My original student loan was with XXXX XXXX and payments were submitted America Education Services. I 'm requesting a full investigation on this matter as I strongly feel that my rights as a consumer has been violated with these people. This has caused a XXXX in my life. Thank you
Consumer complaint received 2015-09-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

There appear to be some hard inquiries that I did not incurred. In fact, I have contacted the original creditor, and for some reason they have no records of this inquiry ever been posted. I have already disputed the account with Equifax, and they do not want to comply or remove it from my report. 
Inquiry name : XXXX XXXX XXXX
Consumer complaint received 2022-02-16
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. (MD)

I purchased a vehicle from XXXX  in XXXX under my business account to which I was tall and was under the impression was not going to show up on my personal credit and it do I request to have that removed off of my personal credit and I was told that thats not possible so I need a better understanding to how I purchase a vehicle under my business account under my business name under my business EIN in number but its on my personal credit report.You have two separate entities for a reason I was told that XXXX  will just do one hard inquiry on my personal credit report and my vehicle payments and information will be available on my business report which is not showing true. XXXX also need to update my old account to which they still have it shown active which is incorrect information which is affecting my credit report
Consumer complaint received 2017-10-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Weinberg Mediation Group LLC (CA)

Received this voice message to my phone : Yes Hello this is XXXX XXXX with the Weinberg mediation group and I 'm trying to reach XXXX XXXX XXXX XXXX We have sent you correspondence and attempted to contact you on a matter involving your name and Social Security number but have received no response from either yourself or your attorney regarding this matter we have decided to reach out to you 1 last time to give you the opportunity to be be compliant and give your statement of intent to our office please be advised we do not hear back from you today I will no longer be able to assist you on a voluntary resolution contact the office back immediately at XXXX good day.
Consumer complaint received 2016-04-29
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (KY)

Western Union online money transfer : XXXX/XXXX/2016 - {$59.00} WESTERN UNION XXXX : CAPTURE ID : XXXX INDN : XXXX ID : XXXX WEB MTCN : XXXX Date available in receiver 's country : XXXX XXXX, 2016 Western Union took the money out of my XXXX XXXX XXXX account and held it for 7 days. Today is XXXX/XXXX/16 and they are still holding the funds without contacting me. I contacted them online and by email to request an immediate refund. They refuse to respond.
Consumer complaint received 2015-05-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (SC)

On XXXX XXXX my SunTrust account was hit for {$140.00} in NSF charges and another {$72.00} in NSF charges on XXXX XXXX. These charges where for transactions conducted on XXXX XXXX and XXXX XXXX. However, XXXX drafts came in on XXXX XXXX XXXX, that were paid prior to the transactions that were conducted on the previous Friday and Saturday. At the time the transactions from Friday and Saturday were made, the funds were available. If processed based on the time stamps of the debit card transactions, I would have been only charged {$72.00} and not the {$210.00} that I was hit with. I know transactions pend over the weekend and SunTrust pays largest to smallest, but this unethical and it is purposefully setup to maximize fees and hurts the consumer in almost all cases, whether intended or not. These unethical practices must stop. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-09-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: WELLS FARGO & COMPANY (AZ)

This relates to activity of the XXXX and Wells Fargo Bank. The bank put a garnishment of over XXXX dollars since the XXXX wrongly claims that I owe them back taxes. 

My accountant submitted documentation to the XXXX in XXXX related to a claim from the XXXX that back taxes were owed. 

Four subsequent attempts to contract the XXXX went without response. The XXXX filed some erroneous claim with Wells to garnish over XXXX in a bank account. 

The bank initiated a pending transfer of over XXXX in favor of the XXXX without any notification to me. 

The XXXX as a financial organization, may be outside your purview. Yet they are wrong and their failure to communicate with me/my accountant on a timely and professional nature is poor service, and just wrong. 

Then, their claim to Wells to capture my funds AND the bank 's agreement to effect the transfer without notification to me is collusion in a fraud to wrongly expropriate personal property. 

They should at least send some sort of communication to notify of the action with a period of time to cure default. 

The fact that there was no default, since taxes ARE NOT DUE to XXXX in California is faulty government service and perpetuated and aided wrongly by Wells. 

To further my own aggravation, as this is a CA tax issue, the Wells Office for Legal Order processing was closed at XXXX CA time. Whereas probably not technically illegal, it sure is poor customer care, but what should I expect of an institution that is fined over XXXX XXXX for the way it handles customers. Not the point of this complaint. 

My complaint is that Wells is complicit in wrongly expropriating my funds and is not responsive to inquiry to resolve this, ie talk to them. 

Also, you should look at the customer care offered by the XXXX XXXX XXXX. To let five inquiries of follow up on an open case go unanswered, in spite of the professionalism and completeness with which support dox to the contrary of XXXX contention is just wrong. Maybe since the documentation countered the position of XXXX just caused them to conveniently overlook the submission and not respond.
Consumer complaint received 2016-03-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (CT)

A stop payment was a made for a duplicate payment in the amount of XXXX from XXXX XXXX on XX/XX/XXXX, however, the bank failed to return the items. Their rep stated they are not showing as being returned, she submitted a dispute for the charges. It appears XXXX made a duplicate payment, but do not know how or why it happened, XXXX rep ( s ) did not say who made the additional payment for same amount. Again, the bank failed to stop the items and are now showing as posted to the account and overdrawing it. I need these items returned and overdraft fees refunded, there are XXXX pending items which will be charged fees, paid or returned.
Consumer complaint received 2022-02-16
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)

Fair Credit Reporting Act Request under 611 ( a ) ( 7 ), Experian failed to provide Method of Verification for the item listed below within the time set forth by law, .... 

XXXX XXXX XXXX XXXX Open Date XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX ; XXXX XXXX, I XXXX  Open Date XX/XX/XXXX Balance {$1500.00} ; XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Balance {$630.00}
Consumer complaint received 2016-09-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (GA)

I deposited my payroll check into my Wells Fargo account on XXXX XXXX in an automated teller that I usually use. On Thursday XXXX when I went to use my debit it was declined. In calling the XXXX number Wells Fargo told us it was returned for insufficient funds. So I contacted my employer who went to the company bank ( XXXX ) and they said it was not returned for insufficient funds and gave her a copy of the processed check. I took my deposit slip, the information from XXXX and went to my local Wells Fargo. The manager was not in so I spoke with the lady in charge. She looked at the records and said " No it was n't returned for insufficient funds but Wells Fargo has put a hold on the money. '' But she could not tell me why. It is {$2500.00} my usual amount and we do n't owe Wells Fargo anything. No one at the bank can give us a reason or by what right they have to hold the money. It is a 7 day hold " while they investigate '' again no one can tell us WHAT they might be investigating???? And neither could the lady. We are awaiting her checking into a resolution but she warned we likely would have to wait the 7 days because " no one can over ride a hold ''. How are the allowed to treat people like this? We are ordinary people we pay our bills on time and we have no affiliations in or out of the US that should create any flags. As a result we have bills that can not be paid, groceries that can not be bought and tithe that can not be paid. My husband is retired so this is our primary income. 
It is important that others know the shady doings that are happening to Wells Fargo customers. This same thing happened last year to one of my husband 's friends who baneed with Wells Fargo and we thought he must have owed them or something. So it is NOT an accident and it should be investigated. If it has happened twice in our small circle of friends how many more people can it happen to?? 
I do have the deposit slip, the check print out from XXXX but do not want to send personal information electronically.