davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-21
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (VA)

I FILE AND EARLIER COMPLAIN ON THIS ISSUE AND THE ISSUE HAS NOT BEEN RESOLVED. ON XX/XX/XXXX MY CAR LOAN WAS PAID OFF AFTER I TRADE MY XXXX XXXX XXXX IN FOR A DIFFERENT CAR.. I WAS INFORMED FROM A REPRESENTIVE THAT MY BALANCE ON THE ACCOUNT IS XXXX AND PAID IN FULL. I SPOKE TO THEM REGARDING I WAS STILL MISSING PAYMENTS ON THE MONTHS THAT IS STILL NOT LISTED ON MY CREDIT REPORT AND ONCE AGAIN I WAS INFORMED THAT I WOULD HAVE TO TAKE IT UP TO THE CREDIT BUREAU. THROUGH OUT THE 15 MONTHS IVE BEEN DEALING WITH THIS ISSUE AND THAT IS ONE OF THE REASON I CHOOSE TO GET THIS CAR LOAN PAY EARLIER I CAN SEE IN GOING THROUGH THE NEXT 5 YEARS OR SO DEALING WITH THIS SAME ISSUE. SO LAST FAST FORWARD ON MY XXXX XXXX CREDIT REPORT I AM MISSING PAYMENTS THAT I HAVE MADE AND IT DOESNT SHOW ON MY XXXX XXXX CREDIT REPORT. EARLIER I DISPUTE THIS AND THE ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT AND ONCE I FILE DISPUTE ABOUT IT IT WAS PUT BACK ON MY CREDIT REPORT. THAT IS WHY I CHOOSE NOT TO GO DIRELY THROUGH XXXX XXXX AND DISPUTE I DONT WANT THE SAME THING TO HAPPEN AGAIN. ONE OF THE REASON WHY IT WAS DELETE IS BECAUSE CREDIT ACCEPTANCE DIDNT GET BACK TO THEM WITHIN THE 30 DAYS OF THE DISPUT PROCESS AND THAT WHY IT WAS TAKEN OFF. SO I WANT THIS ACCOUNT UPDATE TO SHOW ALL OF MY PAYMENT THAT I HAVE MADE ON THIS ACCOUNT. IT SHOULD SHOW PAYMENT FROM XX/XX/XXXX THROUGH XX/XX/XXXX WHEN THIS ACCOUNT WAS PAYED IN FULL. THE BALANCE SHOULD BE A XXXX BALANCE AND IT SHOULD SHOW PAY IN FULL NOTHING LESS THEN THAT. I AM MISSING PAYMENT HISTORY ON THE FOLLOWING MONTHS ON MY XXXX XXXX CREDIT REPORT PAYMENT FOR THE MONTH OF XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX AND THE ACCOUNT WAS PAY IN FULL FOR XX/XX/XXXX.  WHEN YOU COMPARE MY CREDIT REPORT FROM XXXX AND XXXX IT SHOWS A DIFFERENT ON EACH REPORT. REGARDS OF THAT ON MY XXXX AND MY XXXX  CREDIT REPORT IT SHOULD SHOW A XXXX BALANCE AND PAY IN FULL NOTHING LESS THEN THAT. ON MY XXXX CREDIT REPORT I AM MISSING MY XXXX PAYMENT AND IT SHOULD SHOW LAST PAYMENT MADE IN XX/XX/XXXX. FINALLY THIS ACCOUNT IS PAY IN FULL SO IT SHOULDNT BE ISSUE IN GETTING MY PAYMENT HISTORY UPDATE CORRECTLY WITH THE BALANCE. I UNDERSTAND THEY UPDAT ONCE A MONTH ON THE XXXX DATE OF EACH MONTH. I ALSO UNDERSTAND THE ACCOUNT WAS RECENTLY CLOSE BUT I PREFER TO GET ALL OF THIS ISSUE RESOLVED WHILE THEY ARE GETTING EVERYTHING CLOSE OUT
Consumer complaint received 2017-09-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Johnson Mark LLC (UT)

I received court documents this morning as a result of a credit card debt with XXXX XXXX XXXX. The amount that is listed on the court documents is about {$400.00} higher than my last statement with XXXX XXXX, which puts the amount over the {$3000.00} mark. I assume this was done to cross the threshold of justifying legal action. I informed XXXX XXXX several months ago that I am getting paperwork completed with a debt consolidation company. In that conversation I asked for the contact information of where to send the paperwork to but I was told someone would contact me, in which they never did. 

This morning the papers were delivered by a very rude gentleman who proceeded to yell at my wife, as I was not home and then threw the papers on my front porch. I called the company who employees this man and was told by the owner of XXXX XXXX XXXX, XXXX, that they did not violate any collection laws and he encouraged me to submit a complaint with the CFPB and FTC because he knows that have n't done anything wrong. I cited that his employee had used intimidation tactics to communicate the debt with my wife and trespassed on my property, he then responded with, " do you have a no trespassing sign up ''. 

My debt should be no higher than {$2900.00} with XXXX XXXX XXXX and I am willing to work with them to pay off the debt.
Consumer complaint received 2017-08-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MD)

Based on my knowledge, we notice alot of violations in regards to my loan and Who owns my loan to pay off a alleged debt with the previous servicer, who is now under investigation ( XXXX XXXX XXXX ) and not license in Maryland under the MD Commissioner Finance office. to collect a debt from a third party. later discover the alleged loan was transfer to XXXX XXXX XXXX. I ven sent off the dispute letters to send to the servicer/ third party debt collector. my payment was returned. and later applied for modification which clearly was denied numberous times under hardship circumstances. I would like to entire loan to investigated due to preditory lending, truth n lending, Respa.
Consumer complaint received 2022-09-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (KS)

About a month ago I was cold called by PennyMac. I am self employed, which I disclosed during the call. 

The officer asked if I had filed my XXXX, and XXXX taxes. While I have an approved extension for my XXXX taxes, I have not filed either due to proof of certain COVID related deductions to arrive. 

The officer asked if I had prepared a return. I did, but I had not filed it. So I provided that as my XXXX proof of income. 

He asked me for a credit card, which I gave him, for an inspection deposit. 

Since then I have spoken to many others at PennyMac, each time disclosing that the XXXX 1040, was not a filed return. 

I have also emailed the original officer and asked him to withdraw the application, after I found out that we would not be filing until the middle of XXXX. 

Moreover the refinance offer was a terrible deal. While I acted out of a sense of obligation and continued to supply the requested documents, after running the numbers here was the offer. 

I currently have a primary and second mortgage. The primary is an FHA at 3.25 % with about 25 years, and {$110000.00} remaining. The second is a guaranteed XXXX XXXX for {$40000.00}, at 9.1 %. I also have {$12000.00} in COVID relief owed at 0 %. 

The current sum of my monthly payments is about {$1500.00} a month. 

I am unsure of the new rate, but the deal was {$180000.00} for 29 years, with no PMI, for about {$1300.00} a month. 

I also needed to bring about {$1500.00} to closing and pay for an appraisal which I guess I have already paid for, but have not scheduled due to the issues with the proof of income. 

After reviewing the paperwork, it seems quite clear that by proceeding with using the unfiled XXXX as proof of income, I would be committing mortgage fraud, and that since the lender was required to verify the return with the IRS, engaging in the loan, at a minimum would cost me my house. 

I don't understand how knowing that, several licensed loan officers have continued to ask me to continue the application.
Consumer complaint received 2022-09-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TN)

A purchase was made through PayPal on XX/XX/2022. The seller never shipped the item and when i attempted to follow up, the web page is no longer available. I haev ent numerous emails but have gotten no response.
Consumer complaint received 2017-09-09
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. (UT)

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Consumer complaint received 2017-09-09
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. (AZ)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2017-08-21
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: Bread Financial Holdings, Inc. (AK)

Run my XXXX credit three times on X/XX/2017 I only authorized one of those inquiries last four digits of my social security number is XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-08
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. (DE)

I am writing to delete the following information in my file. The items I need deleted and blocked from being reported to credit file are listed in the report I am a victim of identity theft and did not make the change. I asked that the items be deleted and blocked to correct my credit report. I reported the theft of my identity to the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible, thank you for your time.
Consumer complaint received 2021-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

I received a notice from Sequium Asset Solutions LLC regarding a {$34.00} XXXX XXXX XXXX phone bill that I do not owe. I immediately mailed the notice back disputing the charges. I sent the dispute to them via mail on XX/XX/2021. Sequium responded to my debt validation notice and instead, reported the account as collections to the Credit reporting agencies. What Sequium Asset Solutions LLC did was violate my rights as a consumer and I am seeking remedy in this situation by having them remove the erroneous charge from my account and send the proof in writing.
Consumer complaint received 2017-09-09
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. (CA)

As is obviously well-reported, Equifax 's database on information was hacked and my personal information was included in it ( per their web site ). What is more, I went to the free annual credit reporting web site and for literally all of the 3 service providers where I attempted to get my credit report ( to ensure nothing fraudulent ) all of them failed, stating that there was a technical problem.
Consumer complaint received 2017-09-02
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc. (CA)

Ingo money is a check cashing service that is partnered and linked to my prepaid XXXX. Ingo money has denied all services to me directly to use thier services. I have done nothing to cause ingo money to deny any checks I present. I have never once presented a invalid or bad check to ingo money. I have not had any suspicious activity with ingo money or XXXX XXXX. 

I tried to speak with ingo money regarding this decision. They have no reason given why they are discriminating me as a customer. I was promised a promo code when I use thier services. I did not recieve the perk from the promo code because I was denied the service.
Consumer complaint received 2021-06-24
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: WELLS FARGO & COMPANY (CA)

I believe there could be some unintentional misunderstanding here. This account was already PAID and should not have any late payment recorded as I pay this on time. You failed to provide accurate and correct information. Various dates listed under the date of the last activity, last payment, last report, and date opened.
Consumer complaint received 2016-08-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: DISCOVER BANK (MD)

XXXX issues - The loan rate being charged can not be substantiated via the loan documentation, and the loan rate charged is above what can be calculated. 
I am a cosigner on my daughter 's student loans. 
Originally the loans in question were with XXXX who sold the loans to Discover prior to the deferment period ending. 
The loans are variable interest rate loans. 
The loans use either the 3 month XXXX or the XXXX XXXX published Prime rate to calculate the loans interest rates. In addition there is a " margin '' associated with both loans. However, Discover can not provide documentation ( prove ) the margin associated with the loans. 
Using the original disclosure statement to " back out '' the margin using the published interest rates, shows the interest rates being charged are above what the rates should be using the historical rate changes for the loans. 
Numerous calls to Discover Student Loans, including talking to a supervisor at Discover has failed to produce the documented " margin '' on both loans and an explanation of how the rates are calculated.
Consumer complaint received 2017-08-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XXXX2016 I purchase a home in XXXX Florida. before the the purchase We were pre approve for {$320000.00} and we bought the home for {$270000.00}. Bank of America did not approve the loan till two hours before the closing to my surprise when the closing agent was going over the closing cost, Bank of America charge Me {$3000.00} to be added to my loan and a monthly fee to be included with my monthly payment of {$110.00} for ten years ; none of this was inform to me till the closing. I put down {$100.00}, 000 which is over 35 % and I was not expecting any thing like this.I have a previews short sale 4 years ago and they new about it ' and pre approve me for the loan. I call Bank of America to tell me how much more I need to put down to get this fee out of my payment and they have no give me and answer yet, I am willing to paid up to 50 % of the loan to get this fee off my payment ; please help ' Thanks
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was attending XXXX XXXX XXXX and was granted a Student Loan with XXXX XXXX XXXX in XXXX. At XXXX point I was late on making a payment. This account with XXXX XXXX XXXX was transferred, closed with a {$0.00} balance. This is how it 's reporting on my credit report. I 'm currently paying off this original student loan with XXXX and have never been late with payments. I contacted XXXX XXXX XXXX in XXXX and XXXX and requested the negative remarks ( late payment ) to be removed from my credit report. I was told via secured email that the account will report accuratly and the negative remarks will be removed from credit report. However, this never happened. I filed a dispute with a credit agency, XXXX in XXXX of XXXX and provided a letter stating that I completed rehabilitation program for the student loan, currently making automatic payments to XXXX and never missed one payment in 2 years. I also provided email communication between XXXX and myself stating that they will remove negative remarks from credit report. XXXX replied to credit bureau, XXXX stating that the account is reporting correctly since I was late when I had the active account with them, even if my account with them is currently closed, transfered with a {$0.00} balance.
Consumer complaint received 2017-09-02
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 — Investigation took more than 30 days
Company: BB&T CORPORATION (IN)

XXXX is suppose to resolve a dispute in 30 days. They have abused this and still have it pending after 4 months and it does not seem like they are following the Fair Credit Credit Reporting Act rules, FTC and CFPB violations. 

More than four months ago, I asked XXXX to hear my dispute with BB & T Bank regarding a " charge off '' that was paid before the alleged charge off took place. Initially XXXX advised me they needed another 30 days. I have heard nothing in over two months. 

This has embarrassed me and my wife ( whose credit rating is perfect and she is a co-borrower on the disputed issue ). This delay affected my ability to get a timely XXXX refinance on my home. 

Please discipline XXXX and require them to come into compliance with FTC and CFPB rules.
Consumer complaint received 2017-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I received a notice in the mail, dated XXXX XXXX, XXXX, from Wells Fargo Home Mortgage stating that I had a escrow account shortage of {$4900.00}. My mail was being held by the post office, so I did not get the mail notice until today, XXXX XXXX, XXXX. The shortage was caused, allegedly, by Wells Fargo buying home owners insurance due to a cancellation of my policy. In fact, a cancellation notice had been sent due to a late payment. Full payment was made and a reinstatement notice was sent. Wells Fargo claims it never got the reinstatement notice. My insurance broker stated that if Wells Fargo got the cancellation notice, it got the reinstatement notice, Wells Fargo 's attempt to get {$4900.00} from our mortgage account is the result of gross negligence or a deliberate attempt to bill for unneeded insurance..
Consumer complaint received 2017-08-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America Child Support prepaid card services and supervisors are refusing to deposit my money. The two payments were made in XXXX. They went to " pending '' but NEVER posted to my account. One was on XX/XX/XXXX for a total of {$400.00} and the second was on XX/XX/XXXX. I 've spoken to Bank of America at least a dozen times regarding this matter. I have submitted all documentation that they have requested. I have been hung up on by supervisors at least four times. I have contacted and gotten documentation from the child support agency for the state of Maryland, gave a supervisor of Bank of America the transaction numbers and the check numbers. They said that child support agency of Maryland did not fulfill these payments. Which I have proof of otherwise. I have documentation from Bank of America showing the pending deposits, and that they were never posted to my account. In XXXX of XXXX there was not one transaction made, not a deposit nor a purchase! I have experienced very rude and disrespectful conversations between myself and supervisors of Bank of America. I have all supporting documents from the state of Maryland and from the Bank of America website showing that nothing was deposited on these matters. Every time I 've spoken to a different customer service representative and or supervisor I have been given different reasons on why the payments we 're never deposited. Despite me sending all of my supporting documents, I have just been turned away and or hung up on, or given the excuse of a glitch in their system. I would not recommend Bank of America to anyone. If I had a choice I would definitely go through a different bank! Please help me! Thank you very much!
Consumer complaint received 2017-09-09
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. (FL)

Equifax 's poor security practices lead to the public disclosure of my personal information as part of a security breach that affected millions of people. Equifax failed to properly notify me of this breach ; after waiting approximately a month they only reported the breach through a press release and made no attempts to notify affected persons directly. Equifax is offering a credit monitoring service to affected persons, however acceptance of that offer affects your future legal rights.
Consumer complaint received 2017-09-02
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: Experian Information Solutions Inc. (MD)

I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX Department XXXX XXXX applied via XXXX XXXX Department store ). This account was opened on XX/XX/XXXX- and currently has a balance of {$700.00}. In early XX/XX/XXXX I disputed this account via XXXX XXXX and the findings came back unfavorable. I called XXXX on XX/XX/XXXX explaining that I was a victim of identity theft and they said that an investigation was in process.
Consumer complaint received 2022-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX got all the wrong last payment dates, they sold the account, they are reporting inaccurate information time and time again. XXXX XXXX modified this situation XXXX times and its still inaccurate now its time they delete this account. I have sent numerous of letters out to this company and they still reporting inaccurate information.