davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

My home mortgage loan is with Pennymac, and for two consecutive years their escrow/servicing department has paid my homeowner 's insurance premium late resulting in cancellation of my hazard insurance. Then, to further demonstrate their inability to manage escrow accounts, Pennymac force places hazard insurance to cover the lapse in coverage caused by their failure to pay the premium on time. This is an unacceptable practice and has the potential to cause significant consumer harm. Lender placed insurance is more expensive than what I pay privately. Also, the lapse in coverage and lack of payment hurts my good standing with my insurance company. Pennymac apparently lacks controls and has established a pattern or practice of escrow mismanagement because this has happened to me two years in a row. Imagine how many other consumers this Pennymac is harming because they lack the knowledge and expertise to manage their customers ' escrow accounts. Pennymac 's servicing department should be scrutinized and subject to enhanced examination by their regulator, and if warranted, they should take actions to correct their complete lack of controls and provide remediation for harmed consumers.
Consumer complaint received 2017-09-15
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX CFPB Cases XXXX, XXXX, XXXX This is the FOURTH complaint. CapitalOne did not resolve this issue again, and the answer is incorrect about what happened. To clarify it : The answer given by XXXX XXXX stated : " Our records confirm, on XXXX XXXX, XXXX, you contacted us to close your savings account ending in XXXX. We confirmed that the remaining funds from your savings account of {$2200.00} were mailed to the above address on XXXX XXXX, XXXX ''. That is NOT CORRECT and to prove it I got today from a forward USPS services the check with the WRONG amount of {$110.00} with the WRONG address as well from XXXX Attached. The total stated in their answer IS NOT CORRECT! The exact amount is a total of {$2300.00}. Details XXXX - {$110.00} XXXX - {$2200.00} I did call them and they confirmed by their support ; they have made a mistake sending this check the WRONG ( old ) address. This confirmation is registered in this " XXXX XXXX '' XXXX. Now the bank is requesting me to sign an AFFIDAVIT letter? I wo n't sign it. I have bills to pay, and I 'm not PAYING it because the mess caused by them, I just want ALL my money back ... just that. When I have requested to close my account, I was there in person with my Florida driver license in hands for address confirmation, and that was handled in person by their own personal. Please, I need to keep this complaint open, since this is not addressed yet ( it 's taking months ). CapitalOne is not solving it the way it should I need the remaining balance in a check to my correct address, or I look for a lawyer to get my rights since it 's now proven you guys did send it to the wrong address.
Consumer complaint received 2023-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VT)

When my student loans were with Navient, I would send in my Income based repayment application every year. My payment was always XXXX  because my income was so low. And yet they are negatively reporting late payments, and those payments are not being reflected as a part of eventual loan forgiveness after 25 years of income based repayment.
Consumer complaint received 2021-04-02
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: EQUIFAX, INC. (NC)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2020-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

On Thursday, XX/XX/XXXX, I received information from Chime Bank ( Backed by XXXXXXXX XXXX and XXXXXXXX XXXX ) that my account had been put on hold due to a suspicious transaction ( $ XXXX sent from my XXXX checking account to my Chime checking account ). These are my savings and I transferred them as I was switching savings accounts. I gave in all the information about this to Chime on the XXXX ( 3x form of Identification verification, bank statements, pay proof, complete explanations for the transactions ). When they requested another transaction of a smaller amount to e explained, I sent proof I was the sender and intended recipient an hour later. I was informed they would review my account and get back to me within 2 business days. I still have not heard back about my account. I do not have access to my bank account, it is the end of the month and I have rent, and credit cards due. I have called and emailed multiple times with promises my account would be reviewed, yet this still has not happened.
Consumer complaint received 2021-04-02
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. (NY)

I submitted a dispute to TransUnion about a bankruptcy being reported on my credit report. I contacted the Bankruptcy court prior to submitting my dispute with TransUnion. I wanted to clarify whether or not the courts y reported negative information to TransUnion and the XXXX XXXX  assured me they do not report any information to any credit reporting agencies. 
I received a letter from TransUnion on XX/XX/21 with the results of the dispute. The letter states the item was verified as accurate, however they do not identify the name of the agency they verified the accuracy of this item.
Consumer complaint received 2021-09-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: P.S.C., Inc (WA)

XX/XX/XXXX - Initial Dispute with Credit Bureaus requesting Verification ( no verification supplied ) XX/XX/XXXX - Method of Verification Request Sent to Credit Bureaus ( no details regarding creditor, dates, added info supplied - no change ) XX/XX/XXXX - Wrote to bureaus again requesting verification of the debt and no verification received regarding this account again. 
XX/XX/XXXX - Escalated and sent Validation Letter directly to the collection company ( no true validation has occurred up to this point ) XX/XX/XXXX - I received a bill from the collection company, not validation - it is attached XX/XX/XXXX - Again, I requested full validation on this account again- they supplied a letter stating the sent full validation ( the letter I received on XX/XX/XXXX attached, but again this this is not validation of a debt, it's merely a bill ) XX/XX/XXXX - I received the same bill as a response, with the statement that the debt had been validated back in XXXX ( as you can see from the letter they sent in received XX/XX/XXXX - it is a bill, not legal validation/ Per my consumer rights there are details legally they should be able to provide me the consumer that has not happened. A bill is not validation. 

I will attach proof of the validation requests I have sent. Legally they should be able to supply the following upon request, I do not know what this is for and I am trying to find out and still have not found out. 


What they sent me does not prove that I owe this debt. I requested multiple times they provide legal validation to include the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state.

( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own or is this debt assigned?

( 11 ) .Copies of all letters sent to me from you and the original creditor regarding this debt.

( 12 ). How much did you buy the debt for? ( 13 ). When
was the last time a payment was made on this debt?

( 14 ). What fees/interest were tacked onto the debt?

( 15 ). How were the fees determined?

It has now led me to file a complaint with the CFPB, because I have been requesting information and it has yet to be provided. I have followed all channels from disputing/investigating validity with the bureaus and the creditor and no one has validated or supplied any of the actual supporting documentation that by law they should be able to supply.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Would you mind verifying the documents to ensure compliance with FCRA 605B, which necessitates the elimination of any inaccuracies from my credit report? It appears that some of the listed accounts are incorrect, and their presence is unsettling for me.
Consumer complaint received 2020-05-27
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: EQUIFAX, INC. (OH)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX {$1700.00} XXXX XXXX {$350.00} XXXX  XXXX XXXX {$460.00} XXXX  XXXX {$800.00} XXXX   XXXX {$3000.00} XXXX   XXXX {$4000.00} XXXX  XXXX {$9900.00} XXXX  XXXX XXXX {$2700.00} XXXX XXXX XXXX {$570.00} XXXX XXXX {$2000.00}
Consumer complaint received 2020-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AZ)

Hello my name is XXXX XXXX and I had XXXX  dispute this collection bill due to fact that I did not have a XXXX XXXX account.I have a fraud alert on my XXXX report for fact I was notified by a police officer that someone had used my identity more than likely.Also bc there were addresses I never lived at with variance of my name changed on report wrong middle initial and name changed around.XXXX responded with saying that XX/XX/2019 report numberXXXXConvergent Outsourcing orgin XXXX.The information I disputed has been verified as accurate.However info unrelated to dispute has been updated.And still has the XXXX the Convergent co.is out of Wa.But, I am in AZ.I had asked what name the account was in since varriances were under dispute on my report with XXXX  and asked if this account existed Wich I never had what info they had and how they obtain the account setup and address.I have never been answered on any of those questions to further provide proof where I was at time account was created if needed, and still have no understanding of when account was created .Just when in collections.I really would like help further resolving matter as trying repair credit.Thank you for time and consideration in resolving this matter, XXXX XXXX XXXX is email you may reach me back at.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I sent a dispute contesting ownership of my last auto loan because I thought the account belonged to my mother. The dispute was sent to TransUnion, XXXX and XXXX as I recall and on XX/XX/XXXX, I received the results back as " verified '', the account belongs to me also. Well since that day I feel like I've been suddenly harassed as I checked the auto loan results I noted that the headline showed " Needs attention '' and in TransUnion I believe that notation caused a nosedive in the credit score. I could feel negative energy as I noted every collection account at least showed " Needs attention ''. Then I checked the other two bureaus and noted the same thing - " Needs attention '' on every collection account ( some of them are showing incorrect information ) that I haven't disputed.

I contacted the auto loan company they said it was the bureau 's responsibility. I'm hoping for the removal of the " Needs attention '' notation from every account that it has been placed on and perhaps my TransUnion account would see the higher credit score return.

Thank you
Consumer complaint received 2023-01-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FISERV INC. (MN)

On XX/XX/2023 I received a letter in the mail from TRS recovery services , INC . The letter stated that I owed a debt of {$52.00} to XXXX XXXX. 

TRS Recovery Services , INC . 
XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX The following website was provided in the letter : www.trsrecoveryservices.com I have not received any notification from XXXX  that I owe this debt, and my account with XXXX showed all was paid up. I reached out to XXXX and they confirmed I do not owe a debt. 

I went to the website XXXX provided so that I could request proof of this debt, and in order to submit anything to them, they require you to provide your bank account information, full social security number, and Drivers License. This tipped me off immediately that this is a scam. The fields do not show as required but if you do not populate them you can not submit your dispute. 

This company has multiple reports on the XXXX  of a similar scam for XXXX XXXX. The website should be shut down and this company should be penalized for the damages. It should be shut down.
Consumer complaint received 2022-08-12
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. (OH)

In accordance with the Fair Credit Reporting act ( FCRA ) ; 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 2021-09-19
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. (MA)

I am being reported as deceased, I'm not. 

This is affecting my ability to get employment and credit, because they think I'm dead. 

XXXX Consumer Relations Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I've tried to work with them and they make it too cumbersome and time consuming
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

My student loan account was reported 90 days late in XX/XX/XXXX after all of my student loans were placed in a 12 month forbearance status per my request in XX/XX/XXXX. I sent Navient the documented proof of a forbearance approval but the negative 90 day late is still being reported on all 3 credit bureaus.
Consumer complaint received 2019-11-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Regional Management Corporation (TX)

I have asked the company multiple times ( at least 3 times prior to today : XXXX XXXX, spoke to ****** ) not to contact me at my work place, she has told my staff members to tell me I need to call that company to resolve an issue. I have explained to them that I am unable to get personal calls at my job. Each time I had been told that they would remove the phone number but base on the calls it has not taken place. I have expressed my concern with the manager he stated they are doing their job and will speak to them to be sure the phone number is removed. 
My rights have been violated more than once
Consumer complaint received 2022-04-06
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. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # 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 2020-05-13
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. (NY)

I have one account with XXXX which is in very good standing but for some reason they have me in death with a next account I contacted them over and over about that negative account and explain to them I only have one account with them and is good standing, I have no idea about this next account
Consumer complaint received 2021-02-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/2020, PayPal unlawfully with no reason given put a 180 day hold on my account. At this time I was in dire need of my funds but was told that there was nothing I could do. After hundreds of calls over the next few months I was told I had to wait until the 180 day time frame was up and at that time my funds will be available to be withdrawn from the account. So what could I do I waited the very long period of time 6 months!! Putting me and my family in a horrible position! Well after the 6 months passed I received a notification via email ( in which is posted below via attachment ) that my funds are available to be withdrawn only to log in and find out that I can not and the error is still consistently happening I spoke with PayPal and they said I have to continue to wait with no given time frame or date on when Ill have my money. I have already once fully verified my account sending in my id and bank account statements along with Additional information there in no reason for PayPal to be holding my funds at this time. Please assist this isnt right
Consumer complaint received 2021-08-15
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: Experian Information Solutions Inc. (AZ)

I have been trying to access my credit report from Experian online. I have tried calling the number that they gave me, because of their system issues and I get a automated system that will not let me speak to a human being, because there isn't any options on the automated system that can not help me.Therefore Experian is refusing to give me access to my report, as well as not allowing me to file a dispute in regards to any negative reporting.
Consumer complaint received 2021-09-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (TX)

On XX/XX/2021 a one time draft of {$1900.00} was made to IMortgage. On XX/XX/XXXX Loan Depot stated that the payment was returned to the XXXX XXXX  account. When asked why, representatives gave several different reasons such as insufficient funds and that the account could not be found. We have had more than 15 phone calls regarding this issue and mailouts regarding foreclosure. Loan Depot also reported to XXXX that we were 30 days late on our mortgage payment and they promptly lowered our credit score 136 points. All payments were made on time. XXXX provided the transaction history for XXXX showing that the payment was made to Loan Depot on XX/XX/XXXX and never returned to our account. ACH & wire research escalation form was filed with XXXX. The trace # was XXXX. The results from XXXX XXXX  indicate that the payment was made to Loan Depot and never returned.
Consumer complaint received 2019-03-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (FL)

This collection is in my wifes name, but is reporting as a collection on my credit report. The company wants me to pay money to take it off my report, but the account isnt in my name. The account was opened XX/XX/2018.
Consumer complaint received 2023-01-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ARVEST BANK GROUP, INC. (OH)

I applied for a loan through XXXX XXXX The next day and every day since I am getting at a minimum 20 calls a day from central mortgage company. From a different number, location etc. different person. No matter how many times Ive asked to stop being contacted. They continue to call day in and day out.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (MN)

I made a call on XXXX to request a goodwill adjustment to my credit report for two late payments due to XXXX related issues only to have XXXX, Amex Rep, tell me over the phone that American Express will not do that. Unfortunately, this is a bold face lie as the company has worked with thousands of customers to make goodwill adjustments on payment related issues.
Consumer complaint received 2021-09-19
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. (MA)

I am being reported as deceased, I'm not. 

This is affecting my ability to get employment and credit, because they think I'm dead. 

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I've tried to work with them and they make it too cumbersome and time consuming
Consumer complaint received 2017-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX