davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

My name is XXXX and I have been Appointed as the Administrator for my Mom Estate by the XXXX XXXX XXXX. Please accept this complaint on behalf of my Deceased mom 's Estate, the Mortgagor. 

Background On, or around XX/XX/XXXX, I became aware that my mom 's home was in Foreclosure. I notified PennyMAC immediately that I am a Surviving HEIR of my Mom 's Estate. I faxed PennyMAC XXXX. ) A copy of my mom 's ( XXXX XXXX ) Death Certificate, 2. ) A copy of a XXXX XXXX XXXX XXXX XXXX that Identifies me as a Surviving daughter of my mom 's Estate and as the Special Administrator 2. ) A list of names of additional " next of kin '' who are Heirs to my mom 's estate as well. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PennyMAC 's Attorneys were served via Express Mail and Certified mail a Wrongful Foreclosure Notice with notification that I had filed complaints with FHA ( FHA Case No XXXX and FHA HUD Escalated Complaint No. XXXX ). 

PennyMACs Agent ( AP. ) was delivered via email a copy of a XXXX XXXX XXXX ( XXXX ) name me ( XXXX ) as the Administrator of the Estate. To date I have spoken with approximately ( 19 ) PennyMAC Agents, and PennyMAC has failed to be completely transparent regarding what additional documentation is required to name me as the Successor-In-Interest for my Mom 's Estate. 

Issues XXXX Foreclosure dates have been set to sell my mom 's home without allowing me a legal heir to be confirmed as the Successor-In-Interest of my mom 's estate. PennyMAC just delivered the TILA Disclosures, A copy of the Breach Notification, Loan Default information, Loss Mitigation, or any Account Reinstatement Remediation options, etc., on Friday, XXXX XXXX XXXX, after I had been requesting them for XXXX and a half months. 

I requested access to my mom 's online account after becoming approved Authorized Third Party. I was granted Access for less than ( 24 ) hours because a PennyMAC Supervisor by the name of XXXX revoked my access without cause and documented in the PennyMAC System for no one to give me back access to my mom 's account. I just received the TILA Disclosures, a copy of the Breach letter, Accounts in Foreclosure Notifications, Default Amount, Fees, Charges, and Loss Mitigation, etc. 


Motive for their Actions : My mom owes approximately $ XXXX on her property. The Estimated Value of my mom 's property is {$390000.00}. 

Thank you for allowing me to share this horrific experience! I am Praying that we will be able to reach a Mutually Satisfying Resolution. 


Very Respectfully,
Consumer complaint received 2019-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe (WI)

I responded to a letter, dated XX/XX/2019, that I received at my address of XXXX XXXX XXXX XXXX, XXXX, WI XXXX. The letter stated that I am responsible for a debt that no longer belongs to me. 

Timeline : XX/XX/2019 - A letter was sent to my employer stating that my wages were to be garnished. Please note that I was not informed of this garnishment by either the creditor or employer until XX/XX/2019. 

XX/XX/2019 -I called ConServe, the debt collector, to dispute the debt. I spoke with a representative ( XXXX ) at XXXX. XXXX flagged the account as a verbal dispute and informed me he was sending paperwork to dispute in writing within the 30 days. XXXX requested that I call back on the XXXX if the paperwork didnt make it to my address. He stated that it could take up to a month to receive. 

XX/XX/2019 ( 11 days after my call ) - I received a notice from my employer that my wages were to be garnished. I called ConServe to discuss the matter and spoke with a representative by the name of XXXX. XXXX informed me that the dispute paperwork was sent to the wrong address. An address that I have never lived at. Since the letter was never returned, they assumed I received the letter and choose not to dispute. After some discussion and questions, I asked to speak to a manager for more clarification. I spoke with XXXX XXXX and she said I could call the garnishment department the following day. 

XX/XX/2019 - I spoke with a gentleman from the garnishment department by the name of XXXX. XXXX recognized the clerical error as well, but said there was nothing he could do. When I asked how they received my XXXX XXXX XXXX XXXX address in the first place, he didnt have a clear answer other than the Post Office gave it. 

I was never given my due process of 30 days from the original letter dated the XXXX of XXXX.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (AL)

XX/XX/XXXX - The XX/XX/XXXX payment was reported as " late. '' This caused a 45-point decrease in my score in the MIDDLE OF MY HOME PURCHASE. Upgrade admitted fault ( after many, many calls and emails. ) The issue was corrected in about 10 days. This almost cost me my new home. 
XX/XX/XXXX - I paid off the loan in XX/XX/XXXX and on XX/XX/XXXX the same XX/XX/XXXX payment was reported as LATE. This caused a 40-point decrease in my scores. 
I just so happened to have purchased a new vehicle in the beginning of XXXX. Unbeknownst to me, the reason why I didn't get the preferred rate from my bank was because the late payment was already reported to the bureaus. I did not know this until after the fact and too late to discuss with my bank. None of this showed on my credit reporting apps prior to me purchasing my car ... .I would have waited. This is costing me thousands over the course of my loan. I should have a 3.3 % rate and had to accept a 5.25 % rate! 
I haven't missed ONE payment on ANYTHING in YEARS! 
I want compensated ... my bank XXXX XXXX XXXX will not refinance for at least a year. This has been a horrible experience and has caused me so much grief. NOT TO MENTION>>.. NO ONE at Upgrade will ever call me back!! I have had to call them SIX Times! I got the attached email that it can take 60 days for this to be corrected ... I may need to help my parents with a big purchase very soon ... I can't if my scores are not corrected! 
Please HELP!
Consumer complaint received 2019-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

THIS IS MY SECOND COMPLAINT AGAINST NATIONAL CREDIT SYSTEM! I HAVE RECENTLY SENT THEM AN AFFIDAVIT TO CEASE AND DESIST ALL COLLECTION EFFORTS, AND TO STOP REPORTING ON A FRAUDULENT DEBT THAT I HAVE KNOW KNOWLEDGE ON AND ALSO NO CONTRACTUAL AGREEMENT BETWEEN MYSELF AND ALSO THEIR COMPANY. I ALSO DON'T THINK THAT NATIONAL CREDIT SYSTEM HAS A LICENSE IN THE STATE OF TEXAS WHICH IS MY THIRD CONCERN WITH THIS COMPANY! AGAIN NATIONAL CREDIT SYSTEM IS IN VIOLATION OF THE FAIR DEBT COLLECTIONS PRACTICES ACT FOR TRYING TO COLLECT ON A DEBT THAT IS THE RESULT OF IDENTITY THEFT!
Consumer complaint received 2021-07-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

ACH cash express has been harrashing me and has treaten me with a laywer and has cause me to get fired from my job with all the calling they have done. it a pandemic. they have not contacted me till now about the loan
Consumer complaint received 2021-04-28
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. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2019-02-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (IL)

I had a checking account it was alleged closed by the XXXX due to over draft fees. I have talked to the branch manager and so many others in regards to this matter, I e en contacted the company that messed up my checking account and they informed me on XX/XX/19 that the money will be sent back on the debit card. Here is another problem I was told that anything that is trying to go back on that card will be rejected. Now what else do I do when I'm trying to get this situation resolved, it seems like they aren't trying to help me or resolve my issue. I want this complaint to go worldwide because I feel they could have at least accepted the money to resolve this matter. Who's going to help me going forward with this issue??? Usbank isn't trying to help me at this point all they want is to send me to there recovery department to collect on this debt, but they rejecting the compapany that's trying to give me my refund back, why???? They turned their back on me and just wrote me off as a bad debt sending me to there collections department. I really don't think that's fair to me as a consumer or a taxpayer, it's a shame how they handle good customers!!!!!!
Consumer complaint received 2023-01-09
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. (FL)

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2021-09-16
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. (MD)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-10-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (CO)

I recently had a zero % debt with HCS. They sold it to Ally bank. When I received the statement, no where on the statement does it show the balance due of {$3300.00}. It says that I owe {$4200.00} including the interest if I don't pay the account in full by the end of the promotion date. I have called them and they said it is online or I can call in. In small writing it says I am in a promotion. If I was to die, my spouse would only be aware of needing to send them a check for the full amount, not the amount that I really owe. I am computer savvy, but for other people, this could be a major issue in report what is really owed. I can send a copy of my statement if needed.
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I disputed an account XXXX XXXX XXXX on my credit report as not mine and not being verified Equifax removed it from the credit report and send me results of Investigation documents attached after some time XXXX changed one or two digits in the account number and reinserted the account again I spoke to Equifax Equifax had no knowledge about this this is in complete violation of my fcra rights that I called which has been removed is it again so did back again please help me because it is causing a lot of frustration of constantly cat and mouse Chase good Equifax
Consumer complaint received 2019-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

I was logged into my Chase bank online XXXXPremiere Plus ' account looking into ordering printed statements and looked into making a multi-year order to make it a simple one-time request. There was a vague statement about " you may be charged a fee '' but no confirmed price or order confirmation for the statements being {$6.00} each when I clicked through the statement menus. On XX/XX/, 2019 I  awoke to find XXXX {$6.00} charges for the statements deducted from my checking account. My issue with this situation is that I was not able to submit a confirmed order for the statements and confirm the price before placing an order. Chase should make a clear and transparent checkout system for customers who are ordering statements or other products online instead of charging " hidden fees ''. There is absolutely no reason that Chase can not provide a checkout system for customers that clearly lists out all fees before a customer chooses to place an order. I called Customer Service and they were not able to resolve my issue.
Consumer complaint received 2023-09-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (CA)

On XX/XX/XXXX i was no longer was able to access my chime account through the app so i called chime customer service and informed them of the issue but the issue was never resolved so i requested they freeze the account temporarily because i didnt have access to the account but i was receiving notifications transactions were being made. I called numerous approximately XXXX times attempting to regain control of my account with no luck. On XX/XX/XXXX chime finally closed the account. at the time of my last purchase i had a balance of {$99000.00}. Chime has been denying me my funds or any resolution of me receiving the return of my money. I have callded hundreds of time and emailed just as much i would just like my money back.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (MD)

JPMCB CARD Bank cards XXXX XXXX XXXX XXXX De XXXX XXXX filed an inquiry on my report that I did not authorize on XX/XX/2021 when I canceled my card. I did not give permission to have my credit pulled. I therefore closed the account and was told I had a XXXX balance. I later found out the marked me with a late payment through XXXX, XXXX, and XXXX. this informations is false. Please help.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2017-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Issue : Bank of America credit card payment fee distribution. I have a XXXX card with Bank of America. I have utilized the funds on the credit card three different ways. The three different usages of the funds from the card have three different levels of interest for the use of their funds. I agree with all of these facts. 

Today I called Bank of America to find out how the interest was applied to the three different percentages - on my XXXX statement only interest is shown but not which of the rates are paid first. 

Not to my surprise I was told the lowest interest rate was applied first and then highest last. So just like in the days the largest check was paid first so all the little checks caused for fee income - now the credit card interest is using the same tactics. 

I would like to see the highest interest rate payment applied first then the next highest then the lowest interest rate. This would have the funds with the highest interest rate paid down sooner than the lowest interest rate.
Consumer complaint received 2019-02-21
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One Case #.. XXXX Account Number... XXXX Date of transaction. .XX/XX/XXXX Merchant........ XXXX Merchant website... XXXX Disputed Amount.... {$460.00} Todays Date..... XX/XX/XXXX I am senior citizen and a veteran of the XXXX XXXX XXXX. I believe that I have been the victim of consumer fraud or at best highly deceptive business practices. 

On XX/XX/XXXX I ordered a product called " XXXX XXXX XXXX XXXX  '' from a website called XXXX/. The order number is # XXXX costing {$460.00}. The product failed to perform as advertised and was returned per instructions from XXXX customer service. The return was mailed on XX/XX/XXXX for a shipping cost of {$33.00}. 

The XXXX  transaction appeared on my Capital One credit card statement. On XX/XX/XXXX a dispute for {$460.00} was submitted with Capital One. At that point I had not heard from the XXXX merchant  regarding the return. 

I have requested a refund totally exactly what I paid to the XXXX merchant  of {$460.00}. The merchant  has refused to refund that amount. The merchant  would have you believe that I would spend {$33.00} to return a working device. That is ludicrous. This is exactly the self-serving claim one would expect from a deceptive merchant. The device was defective, and if not, then their advertising is fraudulent. This is cheaply made device that only runs on two batteries. 

Allow me to quote from the XXXX website as follows : " For four years we have set a benchmark for reliability, safety and excellence in XXXX  equipment. All products come with a 30 day money-back policy and one year warranty against defects. '' I submitted the Capital One dispute in good faith for just cause. Yet here I am four months later and I am out-of-pocket {$500.00} ( {$460.00} + {$33.00} ) and I have absolutely nothing to show for it except for endless calls to Capital One. 

Per the request of Capital One, I have provided them with many documents multiple times. I will attempt to attach those documents. In XXXX I provided Capital One with the 3-page dispute information form which they sent to me. I completed and mailed that form to their return address provided on the envelope which was : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT. XXXX. Additionally, nine supporting documents were uploaded to Capital One with the following upload reference number : XXXX. 

Finally, after many months on XX/XX/XXXX I received a letter from Capital One stating that the case was closed because they lack information. As a result I am still seeking a refund of the disputed amount. 

-- -end of comments -- -
Consumer complaint received 2020-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had some issues withe a negative account being reported on my credit report, so I disputed the item on XX/XX/2020 but never received a response from any of the bureaus, I though that it was because of COVID19, but it has been more than 2 months, and I have yet to receive anything in the mail. 
The account disputed was XXXX XXXX, account number : XXXX. I would like to receive a response back pertaining to this matter, as I am in the process of purchasing a home, but I can't move forward without this.
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I applied for a Capital One credit card approximately two weeks ago. Upon receipt of my credit card I download the capital one application and tried to access my card and it was restricted. I called in and a representative at Capital One said that they could not fix it. Theyve gotten my banking information, run my credit and I now have an inquiry on my credit report and Ive sent them all the verification that they would need. When calling back about the issue after staying on the phone two hours they said they would call me back in another two weeks and they may or may not have the problem fixed. At this point Ive waited a month to be able to use my credit card! The customer service is horrible. I dont want to cancel the card because my credit score has already been affected. Please help me.
Consumer complaint received 2020-11-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX Asset-Backed Pass- Through Certificates Series XXXX ( Plaintiff ) and Ocwen Loan Servicing ( Servicer ) failed to furnish Defendant documentation of the delivery an acceptance receipt from the originator to the sponsor, a delivery an acceptance receipt from the sponsor to the depositor, and a delivery an acceptance receipt from the depositor to XXXX XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX Through Certificates XXXX XXXX, including all Notes that should have been properly indorsed each time they were transferred. 
For the foregoing reasons, I ( the Defendant ) demand documentation of this time-barred debt from Plaintiff, servicer and XXXX and XXXX attorneys. 
Most detrimental to the lost of my property XXXX XXXX XXXX, XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX highlighted ), the Trust and mortgage servicer all have failed to furnish an authentic promissory note and the Trust Pooling and Servicing agreements for XXXX & XXXX, that should prove " standing '' for an eviction and foreclosure proceedings. 
Per the SEC filings, the " Attestation '' most recent filing was XXXX and not referencing XXXX XXXX XXXX XXXX.