davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-04
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

PennyMac continues to violate my rights under the CARES Act concerning forbearance requests due to hardship experienced as a result of the XXXX XXXX. According to lenders guidelines found at the Consumer Financial Protection Bureau 's website ( https : //files.consumerfinance.gov/f/documents/cfpb_csbs_industry-forbearance-guide_2020-06.pdf ), " servicers can grant CARES Act forbearance periods for less than 180-days at the borrowers request or with the borrowers consent. However, servicers must default to the term requested by the borrower ( not to exceed 180 days XXXX if the borrower and servicer can not agree on an appropriate forbearance length or communication with the requesting borrower is not possible under the circumstances. '' PennyMac offered me only a 1-, 2-, or 3-month forbearance extension. PennyMac never granted me up to 180 days as I requested. I never consented to less than 180 days of forbearance. PennyMac 's representative XXXX refused to grant my forbearance request until I consented to 1 month, 2 months, or 3 months. After approximatley 40 minutes of PennyMac 's refusal to grant my forbearance extension, I was transferred to a supervisor. The supervisor ended the call and did not grant my forbearance request because I was recording the call and he did not consent to the recording. I called from Texas which does not require two-party consent to record. I asked the supervisor if he would be willing to call me from an unrecorded line ; he said no. I will not speak to PennyMac representatives/supervisors without recording my calls because they record on their end and their actions should be recorded to build up additional evidence of their refusal to comply with the CARES Act. After approximatley 50 minutes total of talking with PennyMac, my request for a forbearance extension was not granted despite me requesting an extension and attesting my continued hardship as a result of XXXX. I intend to file a congressional complaint and seek assistance from a federal court. The recording of my call exceeds the XXXX XXXX  maximum for attachments but I will make it available upon request.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2017-12-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

I have been for weeks asking assistance due to the hurricane Irma so that one of my payments can be placed at the end of the lease and after having multiple conversations with several representatives of XXXX XXXX, I have arrived to the conclusion that they have made fun of me. They told me that they had already submitted the request for the approval of such assistance, days later on some other conversations I was told that the assistance had already been approved and that there was nothing to be worried about because all was current and in order with the account. Yesterday, I got a letter from XXXX XXXX reflecting still a due amount not corresponding to the supposedly new approved schedule of payments and today I called them out and was told that the request for assistance with one payment at the end of the lease due to special circumstances of hurricane Irma had never been created nor submitted. This is a total lack of respect to consumers which is by the way a pattern with XXXX XXXX due to the their abusive and predatory practices on a regular basis plus the excessive charges and fees that they charge to their costumers constantly.
Consumer complaint received 2021-11-02
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: I.C. System, Inc. (GA)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-12-10
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: CORELOGIC INC (OR)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, CREDCO add a hard inquiry on my credit report per XXXX. 
OnXX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-11-05
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (AL)

I received a new inquiry about a possible loan I was planning on getting and talking with them over the phone but I NEVER gave them information and never gave them the possible go to through with my application and they just processed it. They said they it was pre-approved but overall, I never gave them the intention to process it and never signed any paper work to apply the application.
Consumer complaint received 2017-12-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc. (OH)

On XXXX/XXXX/XXXX I made a loan with XXXX XXXX XXXX in the amount of {$1200.00}. The company was operating out of a Advance America store in XXXX, Ohio. Believing it was a typical small loan with going interest rate of of 24 to 28 % I signed the contract. The payments are {$330.00} per month. After making five payments I decided to payoff the loan believing The payments made had brought the loan to a small amount. I was shocked to find I still owed seven more payments of {$330.00} which totaled XXXX. The finance charge is {$2700.00} @ a rate of 307.76 %. I contacted and complained to the service center @ XXXX XXXX XXXX XXXX XXXX. I then went to my XXXX XXXX and had a stop payment made on my auto withdrawal account. I also called XXXX hot line and was assured they would stop the payment and adjust the account. This occurred around XXXX/XXXX/XXXX. 
I received a letter from XXXX dated XXXX/XXXX/XXXX saying I was obligated to still obligated to pay the seven payments On XXXX/XXXX/XXXX I receive a letter from Advance America stating their company had assisted me in acquiring the loan and they were assigned my loan which had a balance of {$2100.00} owned to Advance America.. 

On XXXX/XXXX/XXXX {$500.00} was taken out of my bank account without my authorization .There was only {$5.00} in the account.causing it to be overdrawn for a minus - {$530.00} including fees. I went to the band was told they could not do anything because the Company had changed the withdrawal amount. 
the letter from XXXX states they are going to withdraw another ( 4 ) payments of {$500.00} from my account.. The bank is trying to stop this from occurring. 

I am XXXX XXXX XXXX and can not afford to lose the amount of money. This type of operation must not continue. Finance Companies should not be allowed to take advantage of those in need of of loans especially elderly and uninformed seniors. PLEASE HELP TO STOP THIS PROCESS.
Consumer complaint received 2017-12-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hello, This has been an ongoing issue since XXXX XXXX. In late XXXX of XXXX, I called Capital One to advise my payment would be late, I also asked at that time if the late fee could be waved as a courtesy. The rep I spoke with said yes it would be, and to call back when my payment had posted. I made the payment on XXXX XXXX. I called back and was basically given the run around. At this time it was {$23.00}. Instead of complying with the customer, and just giving me the credit, I had the unpleasant misfortune of speaking to a few gentleman, that were very rude. With the exception of the first rep I spoke with. 
Endless calls, being transferred to this department or that department etc etc. Over at that time {$23.00}. This has now escalated to them demanding {$100.00}!! I paid XXXX payment on time as well as XXXX. Before the due date of the XXXX. I firmly believe this is unfair business practice. Now the endless calls have started. 
I am so done with this. I am a senior citizen with 2 XXXX XXXX. Stress from this issue is not helping matters. If they had done what they said they would do, which was to credit that one late fee, this would not be happening. I 'm very upset about this. 
This is my second attempt to get resolution in this matter. My account right now should be current with the exception of owing my next payment which is due XXXX Extremely frustrated and stressed over this. All this for a late fee that they said they would credit me for.
Consumer complaint received 2021-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MI)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CREDIT COLLECTION SERV. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my credit report from the credit bureaus. Unfortunately, I saw that you have recently begun to report me 90 days late on this account. what is not belong to me. 

Also, I saw some collection that was on there. It says that I owe you guys a lot of money but, I dont know what its for. My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.
Consumer complaint received 2020-06-02
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)

I have contacted paypal executive office multiple times and filled XXXX  complaints against paypal. paypal is holding my money and not allowing me to login to my paypal account. Paypal has replied stating that they see I can login to my Paypal account without a problem. This is completely not true. I keep receiving the message, " for security reasons you will need to reset your password. '' Paypal is purposely ignoring me and not helping me. This is criminal action for Paypal to play games like this and prevent me from being able to login to my account to withdraw my money.
Consumer complaint received 2021-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/21 I checked my Bank of America App and it showed a transaction processing for XXXX. I then got a message board and XXXX of your stockholders XXXX XXXX  XXXX XXXX was bragging that she blocked my transaction because she wanted my po box in the XXXX area XXXX area, Can you believe the levels people go to just to get a XXXX XXXX XXXX I became alarmed and checked BOA app and it showed someone had placed a credit of XXXX on XX/XX/21 around XXXX. I then received a email from USPS with the following messaged " We attempted to authorize your credit or debit card payment for the following po box , but the transaction was not successful. " ; there was no reason for the transaction to be blocked because all the funds were in my account. So I now need to know first why are you allowing stockholders/ or stalkers the ability to access customer 's account and this needs to be investigated because I should not have someone who is stalking me, also able to access my banking information regardless if their a shareholder or not. Bank of America needs better banking policies intact to prevent these things from happening to consumers.
Consumer complaint received 2020-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CT)

I have spoken with U.S Department of Education, XXXX XXXX XXXX and Nelnet in regards to my student loans reporting incorrectly on my credit report. I have contacted each agency over 20 times and have gotten nowhere. Each representative has instructed me to contact an out source company so that I can pay to get student loans that " were not '' a collection item out of collections. My student loans were in deferment as a result of continuing my education. I was told by XXXX a supervisor at the U.S Department of Education and was told that I had to consolidate my student loans for the error on my credit report to be corrected. I was told that I had to wait until the new consolidated loans to report and to contact them so that the collection reported loans can be removed from my report. The accounts have since reported and these collection still have not been removed from my credit reports. This has caused me a major hardship, because not only am I a victim of identity I am a single mother of XXXX and homeless as a result of COVID.
Consumer complaint received 2020-12-10
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. (CT)

On XX/XX/XXXX I filed a dispute with Transunion regarding information they had listed on my credit report that was not correct, The items were regarding 3 accounts. The first is for XXXX XXXX ; account # XXXX balance= {$560.00}. This account has been paid off and was disputed. The dispute update came back on XX/XX/XXXX showing this account has been paid off. However it remains on my credit report still with the balance of {$560.00}. 
The second account is for XXXX XXXX ; account XXXX balance = {$2500.00}. This account has been paid off and was disputed. the dispute update came back XX/XX/XXXX showing account was paid off. However it is still listed on my report still with a balance of {$2500.00}. 
The third account is for XXXX XXXX XXXX XXXX XXXX account XXXX balance= {$170.00}. This account has been paid off and was disputed. The dispute came back on XX/XX/XXXX showing the account was paid off. However it remains on my report still with a balance of {$170.00}. On XX/XX/XXXX I called their customer service rep and explained the issue. He stated what he was looking at showed these items were removed. However I explained to him I was logged into my paid Transunion account and do in fact still see them on my online report. He could not resolve the issue. I WANT THESE REMOVED FROM MY REPORT.
Consumer complaint received 2017-12-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

In early XXXX, I told whoever was calling me from Portfolio recovery to stop calling me and to cease and desist all phone calls. I have since received 3 phone calls per week since asking them to do this. They then told me on a call I picked up that they ca n't cease and desist all calls and I pointed out they were in violation of the FDCPA due to the harassment statute.
Consumer complaint received 2021-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX, XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-06-04
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: LEXISNEXIS (WA)

XXXX Corporate Headquarters : XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, Utah XXXX REGISTERED TRADE NAME PROPERTY NOTICE TO CEASE AND DESIST From : XXXX XXXX XXXX DBA XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX, WASHINGTON XXXX XXXX ] Date : XX/XX/2021 Re : Registered Certificate of Assumed Name XXXX county Superior Court No. XXXX and Registered Trade Name with Minnesota Secretary of State File No. XXXX. DC Corporations Division : XXXX XXXX, The trade name XXXX XXXX XXXX, et alia ( TN ) is registered property of XXXX XXXX XXXX. 
It has come to my attention you are in direct violation of infringement on my property. 

The infringing actions include the following : Misappropriation of the TN on credit bureau reports.Take notice, I have the right to protect, limit the use, protect my good will, reputation and commercial affairs and the use of my property. You are in a trespass on my TN NOTICE OF PENALTY FOR UNAUTHORIZED USE XXXX XXXX XXXX united states dollars penalty for each unauthorized use of the TN or any derivative or variation thereof is your agreement to pay me per unauthorized use. These terms are due and payable in net seven ( 7 ) days. 
Authorized use requires prior express written permission from the undersigned owner of the TN or any derivative thereof. 

IT IS REQUIRED THAT YOU : Remove all TN references from credit bureau agencies at once You have ten days ( 10 ) to comply with the above request. 

I remind you that this letter serves as a pre-suit notice for a lawsuit against you and failing to correct will likely make you liable for any damages the court determines I have suffered as a result of your infringement ( s ) including any reasonable attorneys fees. 
It is in our best interest to have this issue settled outside any federal or state court.
Consumer complaint received 2020-12-10
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. (SC)

scammers and identify theft applied for an online loan in XXXX XXXX. 

I request an investigation, XXXX XXXX first replied it's an online application does not need a physical person 's signature in XXXX. Then XXXX XXXX investigated that personally applied this load in one of their Branch.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NY)

I had a ballon payment which I was not notified of. I was getting e-setatment which were going to junk mail. At the time of the purchase I was told I would be receiving notification before it was due by mail. I realized the XXXX in interest was charged in XXXX I call in XXXX spoke with two managers and was told I would be called back, I was not. I called the bank today and was told to put it writing and send to the headquarters. Their position is that I was just over thirty days. Mine is that I was not notified appropriately I wanted to pay balance due but not the XXXX XXXX in interest.
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/2022 I received an email stating that I opened a Bank of America XXXX XXXX XXXX checking account with just my SS #. I did not open this account nor do I have any accounts with Bank of America. And I can't get BofA to close the account because no one will answer the phone.
Consumer complaint received 2021-10-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (TN)

Got a call from a collection agency wanting me to pay a debt that I didnt know about, but I investigated it and it had been on there for a long time but I didnt fell like it was mine because I have never taken out a payday loan in my life. Collection agency kept calling and I wanted this gone so we settled on {$3000.00} and I payed it in one payment and that was 2yrs ago and its still on there. I willing to do whatever to get this off of me. Thanks