davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PENNYMAC LOAN SERVICES, LLC. (MA)

My property was Foreclosed on on XX/XX/2016 by, XXXX , XXXX . not in its individual capacity but solely as Owner Trustee for XXXX XXXX XXXX XXXX-1. I believe this was a fraudulent action, and am trying to get answers to long awaited questions, and concerns I have related to this matter. My complaint is that I can not find any viable Trusts in this name. 

I have been filing a specific request to this Association, " Trust, '' and it has continuously been sent to the Servicer, PennyMac. This would have been ok, if they would answer my questions appropriately, yet they have not. They continue to send information I have, know, and am not inquiring about. 
PennyMac continues to respond by explaining very well who 'they ' are, the " SERVICER '' and their role of, and being " SERVICER '', but this is not the information I have asked for, nor need any education in the duties of. 

I evidently need to be even more direct. 
Please do not send this complaint to the SERVICER, Penny Mac. Please send it to the Trusties for, XXXX , XXXX XXXX not in it's individual capacity but solely as Owner Trustee for XXXX XXXX XXXX XXXX. 

1 ) I want to know who XXXX XXXX Financing XXXX is? 

2 ) What does these initials stand for XXXX XXXX? 

3 ) What is their address? 

4 ) Is XXXX XXXX XXXX XXXX actually really Pennymac? 

5 ) Who and what are the names of the Trusties for XXXX XXXX XXXX? 

6 ) What is the filing number for your Association, " Trust '' XXXX XXXX Financing XXXX to do business in the state of Massachusetts which is required by Massachusetts Law under Article 2 of Chapter23.95 RCW?

7 ) What does the date XXXX mean? 

I now expect with this more detailed complaint that I know will be able to receive actual correct responses to my questions rather than the continuing insult to my intelligence. 


Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a loan under XXXX in XXXX in MY NAME ONLY, XXXX XXXX XXXX XXXX My mom was on title, XXXX XXXX XXXX XXXX She lives in XXXX and I live in XXXX Under these 2 class action lawsuits The Bank of America Class Action Lawsuits are Waldrup v. Countrywide Financial Corp., et al., Case No. 2:13-cv-08833, and Williams, et al. v. Countrywide Financial Corp., et al., Case No. 2:16-cv-04166, both in the U.S. District Court for the Central District of California money was sent. However, it was sent to my mother in Ohio who was never on the loan and Quit Claim Deeded herself on the property in XXXX. Why are you sending her the checks? This needs to stop immediately or I will seek triple the reimbursement. Property address for loan is XXXX XXXXXXXX XXXX  XXXX, CA XXXX. I still own the property in my Trust, The company states they reponded but they didnt repond to me. They sent a letter to my Mother ( XXXX XXXX XXXX ) in XXXX who is not on Title nor is she on the loan. See how stupid they are?
Consumer complaint received 2020-07-18
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. (NE)

The are reporting a collection account with XXXX XXXX bank in the amount of {$19000.00} on my Equifax and XXXX  credit report. This is not my account. I have disputed this account several times with the credit bureaus and the creditor.
Consumer complaint received 2017-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MI)

I got a letter from Transworld Systems Inc located in XXXX XXXX, OH dated XXXX XXXX, XXXX for a medical balance of {$21.00}. The letter was not even addressed correctly. When I call them they refuse to give me the debt information first time. I called the second time and then I was given the original debt information. I told them I have not ever used their services. When I called the original debtor, I was told by them they do not use their services at all. Then they could not find anything in their system. Their website is not working properly. They claiming this to be from XXXX of XXXX.
Consumer complaint received 2021-07-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I used XXXXXXXX XXXX mail to send a certified letter to Transunion with supporting documentation regarding this bankruptcy on my credit file. I received an email from XXXX that states the letter was delivered, and it was picked up on XX/XX/2021 at XXXX. I called Transunion on Monday XX/XX/XXXX, and spoked with a rep to confirm my dispute letter was received. He stated, it was received and it will take five days to investigate. However, I called back yesterday to speak with another rep, and she stated after checking in the system, that my dispute was never received. I'm extremely frustrated because I'm being told different things from different reps, however I know they received the documents from the tracking number. I want to make sure my dispute is open and re-investigated from the documents I sent. I am going to upload everything I sent to Transunion.
Consumer complaint received 2020-07-18
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)

id theft victim these reporting accounts are not mine XXXX XXXX {$51000.00} not mine XXXX   XXXX {$260.00} not mine XXXX  XXXX  XXXX  {$6300.00} not mine XXXX   XXXX, XXXX / XXXX  {$11000.00} not mine XXXX/XXXX  {$4700.00} not mine
Consumer complaint received 2017-08-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Second Round Limited Partnership, Austin, TX Branch (VA)

I did not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you for over a year, and have failed to do so. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Which they both return notices the debt is VERIFIED, not validated. I have asked to submit proof since XX/XX/XXXX, and the debt collection agency has not. Proof I needed The agreement with your client that grants ( XXXX XXXX XXXX ) the authority to collect this alleged debt. Any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. Copies of all statements while this account was open. FDCPA entitles you as a consumer to validate a debt when a collection agency demands money from you. If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report. The notices i revied dated XX/XX/XXXX, was a notice of my dispute of inaccuracy of the debt, but if fact it was not, was for validation of the debt. The company has never provided this information, has had over two years to provide this information, well over the 30 days
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

Hello, In regards to my Credit Report with Equifax, I am submitting information again to dispute a charge of : {$990.00} from : XXXX which was opened on : XX/XX/2012. 
I am again disputing that I do not owe this debt and at that time, I submitted proper information to Resident Collect and Equifax to reflect that I had a stolen identity. 
The CRA XXXX Equifax XXXX continues to list this debt as valid, and has not shown such proof that it belongs to me, other than the word of the collection agency - they themselves can not show just cause as to this being a valid debt belonging to me. 
Therefore, I am requesting that this entry be IMMEDIATELY REMOVED from my credit report. 

XXXX again contacted the XXXX ( XXXX ), and submitted again the information and they state via letter that : XXXX is no longer pursuing the debt and the account is closed. The also say that they have ceased activity and have notified the CRAs of this intention. I am wondering why Equifax refuses to remove this from my report. Please see the attached letter. I want this entry deleted NOW!
Consumer complaint received 2020-07-18
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: SYNCHRONY FINANCIAL (FL)

This is a company named synchrony bank which we have no idea why they are calling but they call 4 or 5 times a day staring at XXXX and ending at XXXX. No one is ever on the line they never leave a message but the calls are annoying.
Consumer complaint received 2020-07-18
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. (MS)

XX/XX/2020 is most recent contact date.Experian was contacted by certified mail in reference to violation of FCRA and after receipt of mail, agency ignored my request. Copies of old report was sent along with request of method of verification.
Consumer complaint received 2016-07-20
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I I have been a Bank of America for about 12 years. Today I received an email stating my Savings account which is linked to my E-Checking count to avoid maintenance fees is no longer applicable. The email had the audacity to state the " waiver '' I have been receiving is being removed. First and foremost XXXX has not been granting me a special waiver. The maintenance fee has not been charged due to the fact it is linked with my E-Checking which I was advised to do when opening account and agreed upon. Secondly the email then advises I must open another type checking account to continue not being charged the maintenance fee. Bare in mind the minimum for these accounts are about {$20000.00} as is the Preferred Rewards option.Surely there should be a grandfather option.Nothing was advised when opening this account that XXXX would come after the fact and force other options after agreeing to link E-checking and savings for no maintenance fee.Its principle and not a good way to do business.I bank at XXXX other establishments as well and never had this issue.I called customer service which apparently no one is working. As I was on hold an unacceptable amount of time over 70 mins being disconnected or no one to answer and had to head back to work.Constant automated message about call volume.
Consumer complaint received 2021-11-16
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. (VA)

I started paying my student loan in XXXX of XXXX. My original servicer was Sallie Mae. Navient took over and my payment history of over 10 plus years disappeared. After the Covid pause I will still be paying on the student loans. It was my understanding that after 25 years the payments would stop but they haven't. I worked for a non-profit from XXXX to XXXX and never received credit as well as the last two years I have been working for a non appropriated federal agency. I have not been given any credits. I have never been delinquent on my student loans. Everytime I inquire I am being given the run around and told that I did not start paying the loans until XXXX. This is untrue because I graduated in XXXX and started making payments 6 months later. Is there anything that can be done to assist me?
Consumer complaint received 2016-07-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

It all started in XXXX of 2011. I am self employed and had this credit card for my business, I was told that i needed to have XXXX now. I would need to be off work for 6 to 8 weeks, so I called this card company and wanted to suspend my payments for about 3 months to get myself back to work and start making payments again, the person on the other end laughed at me and told me that there was no company that would do that. And here we are today. I did not make payments do to not working and now for 3 years after they closed and charged off the acctount I am getting summons and garnishing on my bank accts, some that i do n't bank at anymore, and one most recently that they took money from that was to go to contractor who did work from a storm that we had.
Consumer complaint received 2016-03-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have a credit card w/ Bank of America . They want to know XXXX what my source of income is, since I refused they threatened to close to \tototod to to to close my account. I think this is a bully tactic. I hope you can resolve this situation. Thank you..
Consumer complaint received 2022-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Our loan is with PHH Mortgage XXXX ( formerly Ocwen ). 
Back in 2012, we got behind on our mortgage but we were able to do a modification and have been current ever since. 
As a result of the modification, there was a balloon payment tacked on to the end of the mortgage. 
Our intention is to pay off the mortgage ( we are actually including additional principle payments each month ) so we can stay here the rest of our lives. I am XXXX and my husband is XXXX. 
We want to start making payments against the balloon payment so that we are not faced with refinancing when the primary mortgage is paid off ( in 9 years ) or in the position of facing foreclosure because we can't get financing at our respective ages. 
I asked PHH if we could do this and they said, '' No. '' Why? Because " they are not set up to do that. '' This seems like a perfectly reasonable ask. And I don't see a downside for PHH because they would be getting their money sooner than expected. ( All of which I pointed out to their representative. ) The only downside I can see for PHH is that it would take away their ability to grab the house if we can't get it refinanced or have {$120000.00} ON HAND to pay off the balloon. 
Obviously I am very concerned about this and would appreciate any help you can give us to get PHH to accept payments against the balloon payment. 
Thank you.
Consumer complaint received 2017-08-23
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I have requested validation of three accounts and was told my request for validation could not be fulfilled in writing. While the accounts are still being reported negatively to all major credit bureaus regarding the alleged debts. I have disputed the accounts with the credit bureaus and havent received validation from either party.
Consumer complaint received 2024-01-23
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: Experian Information Solutions Inc. (NJ)

This information is under my name and is causing me harm. I need it removed from my history. 

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 XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Home Loan Center, Inc. (NJ)

Yesterday I discovered I was mis sold a front loaded XXXX loan by XXXX XXXX ( see attached email ) from XXXX. I was looking for stop gap ( XXXX week ) loan with no prepayment penalties instead I was sold a front loaded 9 month loan. 

When I contacted XXXX customer service to get the payoff amount and was told I need to pay 75 % of the 9 month interest. This is when I reached out XXXX XXXX cced from XXXX ( XXXX 's XXXX ) to complain about mis selling and abuse of fiduciary trust.
Consumer complaint received 2021-03-01
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. (FL)

Please update your records it's been way to long to have this account as still open when it is NOT. Your failure to update is costing me with a higher debt to income ratio XXXX Bank XXXX XXXX was paid off a while ago and should reflect a XXXX balance XXXX  credit card balance is also NOT accurate as well
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

An original account that I had through XXXX XXXX  was purchased by Midland Credit Management Inc. who was their signee. Midland directed me to the Law Firm that they hired/retained as a debt collector. Upon multiple conversations both over the phone with the law firm and through email with the attorney for the Collections Department. The Law-firm agreed to settle the account in FULL and verified via email on XXXX XXXX2020 that my account " HAS BEEN CLOSED IN OUR OFFICE AFTER RECEIPT OF PAYMENT TO SETTLE IN FULL. '' The original amount owed was {$2700.00} and I counter offered, in which they counter offered and I agreed to their counter in the amount of {$2000.00} The part that I didn't notice was that they stated that there was a remainder of {$670.00} that was not paid. 

How can there be a balance of {$670.00} when I paid the agreed upon amount of {$2000.00} and they closed the account after RECEIPT OF PAYMENT TO SETTLE IN FULL? 

This is so deceptive I don't know where to start. I learned that this is not an uncommon practice for them after doing the research. I just want the balance removed from XXXX  and XXXX reports.
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act, TransUnion, LLC has violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978. This entity also violated 15 U.S. Code 6802. Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. It clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. I have communicated with TransUnion, LLC supplying them with the following : Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, un-written, verbal, and non-verbal per 15 USC 6802 ( b ). I do not give you permission to access, use nor house my information, hard inquires, soft inquiries, any collections and or charged off accounts and any such use is in violation of 18 USC 1028A Aggravated Identity Theft. I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency nor notification that TransUnion had possession of my information.