davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-06
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. (TX)

remove the vioilations attached The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692XXXX, approved on XX/XX/1977 XXXX and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ] XXXX  : OCC Assesses {$60.00} XXXX Penalty Against XXXX XXXX, Orders Bank to Reimburse Consumers for Unfair Billing Practices XXXX XXXX : The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. ... As expected, the bank will be assessed a {$1.00} XXXX penalty from the CFPB and a {$500.00} XXXX penalty from the OCC. 

no civil violations can count as debt XXXX XXXX : FTC Settlement Imposes {$100000.00} Fine Against Online Retailer for Failing to Post Required EnergyGuide Information for Appliances Agency Files Complaint Seeking {$540000.00} Penalty Against Another Retailer For Similar Violations XXXX XXXX : The FTC also alleges that XXXX XXXX falsely told loan applicants that Investors Have Backed Your Loan while knowing that many of them would never get a loan, a practice that delayed applicants from seeking loans elsewhere. ... The company is charged with violating the FTC Act and the Gramm-Leach-Bliley Act.
Consumer complaint received 2018-06-07
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: CITIBANK, N.A. (CA)

i am seeking assistance from CFPB regarding my Credit that has been destroyed in the last year. I traveled overseas on XX/XX/2017 and returned last month to the USA. After i realized i couldn't locate my personal belongings. Then i checked my credit card accounts online and realized everything was maxed out. i ran a credit check on Annual credit report and realized all my accounts were charged off or gone to debt collection. I am unable to do anything due to this issue. I have kept all my finances in order before i left USA and i have reason to believe someone has used my information or actual cards. Debt reported : XXXX XXXX XXXX - {$3000.00} XXXX XXXX - {$6100.00} XXXX XXXX - {$8800.00} XXXX XXXX - {$4600.00} XXXX XXXX - {$3700.00} XXXX XXXX - {$3200.00} XXXX - {$13000.00} Citi Bank - {$6600.00} Citi Bank - {$1100.00} XXXX - {$7100.00} The amount is totaling up to {$57000.00} I need immediate assistance to regain my credit and protect my self from identity theft in the future.
Consumer complaint received 2021-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

My homeowner 's insurance was due on XX/XX/2021. PennyMac sent payment in the amount of {$4500.00} to my insurer on XX/XX/2021. They then subsequently sent another payment in the amount of {$4500.00} to an unknown insurance company. I have had the same insurance company for the past 3 years and have not changed insurance companies nor did I instruct Pennymac to send funds to another company. I have called and spoken to various individuals on the below mentioned dates. 

XX/XX/2021 XXXX XXXX, XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX 

On each of these calls PennyMac has given me the run around. On one of the calls the representative called the unknown company ( XXXX  ) and they informed myself as well as PennyMac that they returned the funds to PennyMac. PennyMac advised me on that call in XX/XX/XXXX that in 24 hours the funds would be returned to my escrow account. I called again on XX/XX/XXXX, and was advised that in 24 hours that funds would be returned. I called today at XXXX XXXX and the representative had put me on hold to investigate - when she returned to the call she appeared to not hear me and said " I need to call her back '' and hung up. She never called back. I called again at XXXX XXXX at this time this representative indicated that PennyMac is not responsible for my insurance. At this point I believe this to be theft in the amount of {$4500.00}. These funds were paid to PennyMac in Escrow and were removed without my permission and PennyMac refuses to reimburse me although they acknowledge the duplicate payment. They subsequently sent me communication dated XX/XX/2021 notifying me that I need to reimburse the Escrow account for the missing funds. I have requested on every single one of my calls that i would like to reimbursed for the funds that were taken out of my escrow account and sent to an insurance company for a policy that does not belong to me. On each call the representatives have acknowledged the mistake but refuse to solve the issue. My mortgage with the escrow payback is to commence on XX/XX/2021. It is unfair that I have to payback to PennyMac my own funds that they have taken. I am not sure what the legal recourse is here but i believe this to be unethical and illegal.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2022-03-31
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: Experian Information Solutions Inc. (PA)

n accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (FL)

We currently have 2 accounts at Regions we have tried make several deposit which have been declined. We have tried to contact Regions and keep getting transfer from depart to department and no answer is giving why the deposit have been rejected. Payments for the line of credit are automatically being deducted from the accounts and generated overdraft fee and monthly fees. We want to know why the are rejecting the deposit being made through the online banking when there were accepted for almost a year and have fees reversed.
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (AZ)

Bank refusing to return deposited cash amounting in {$1300.00} or more. Account is in risk management due to a returned personal check that was never cashed or released into my account. I have no knowledge of the deposited check being bad account is now in a hold a status. Have spoke to multiple branch managers, fraud department associates etc and everyone is giving me the run around. Account also has fraudulent mailing address listed for California. I do not live in California  nor have I ever had another US BANK account. Presented receipts stating cash was deposited and they still have not released my funds.
Consumer complaint received 2022-09-09
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. (TX)

Submitted disputes with Equifax, XXXX, and XXXX regarding Public Record being inaccurately reported on my reports XX/XX/2022. Each bureau stated the information was verified by XXXX XXXX.
Consumer complaint received 2021-09-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

XX/XX/2021 I got a phone call from someone claiming to be from XXXX saying my account had been fraudulent used. 
The incoming number was XXXX. 
They had me download 2 apps one called XXXX and the called XXXX. 
I foolishly believed them and did give them my bank info so they could fix the problem. 
Everything seemed ok but later that day my bank account was emptied of {$5000.00} Dollars leaving with with a deficit of {$1500.00}
Consumer complaint received 2022-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My debit account is missing {$1500.00} I never withdrew this amount from my account. 
Bank of America informed me that someone attempted several times to check the balance from a XXXX XXXX ATM and then withdraw the money from Bank of America. 
I informed them that my debit card was in my possession at all times and that my pin was only in my memory, and I had never shared it with anyone. Also, I never pay for anything with my debit card and never enter my pin in front of anyone or caution I need your help as Bank of America is informing me that it could take up to 90 days to resolve this matter, and I can not afford to wait that long as I pay for my food with this money, especially because I am not responsible if someone compromised their ATMs, systems and information. 
On top of everything, we do not decide where to receive our XXXX payments as the only option is Bank of America, but they are not doing enough to protect our money and we count on this reduced income to pay for our necessities. 
Thank you.
Consumer complaint received 2017-10-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Michigan Mutual, Inc. (CA)

On XXXX XXXX 2017 underwriters at Michigan Mutual and an underwriter at XXXX XXXX  interpreted guideline B3-6.06 of the XXXX XXXX selling Guide, under the heading " Property Settlement Buyout '' to imply that the buyout must be " court ordered ''. 

Because it would be illegal for any government agency to order an American to buy something, by definition, a settlement buyout can not be court ordered. 

I have tried many times to speak with someone with authority at XXXX XXXX but apparently the public does not have the right to do so. I have only been able to speak with representatives at XXXX XXXX that tell me they have no authority, and they insist there is no way that i would be allowed to speak with anyone who does.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (GA)

I previously had a state lien in the amount of XXXX that had been released and removed from my Credit Reports because it was paid and everything. It was removed from all XXXX credit reporting bureaus. It was removed sometime back in XXXX XXXX. Upon going to check into my scoring and accounts the week of XXXX XXXX, XXXX I discovered that XXXX had placed this back onto my credit file without my knowledge. They are the only bureau to do this. I immediately called XXXX to discuss disputing this since it had been prior removed and a dispute was placed by an agent there. I do not believe it was done correctly though as he was not entering in all of the information that I was trying to tell him. I received the " result '' of the said dispute today and absolutely nothing has been done to this account. This is rendering me as even though it has been paid, it still gave me a big hit being placed back onto my credit without my knowledge. I do not find that this is even legal to do this, especially when the other reporting agencies are not reporting it and I have paid all of my debt to this a long time ago.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

They are constantly lying about where they got information and how items were verified. I have advised them that they are not mine and they are steady saying items are verified by XXXX XXXX. I have disputed 2 Bankruptcies Chapter XXXX # XXXX and Chapter XXXX XXXX with them about 7 times now. They are constantly stating the item is verified. First verified by the courts and I have submitted proof that is not true and then they states XXXX  XXXX. XXXX XXXX has removed the bankruptcies because they can not verify the information themselves. They are constantly violating the FCRA. Attached you will find a letter from XXXX XXXX stating they deleted the accounts because they can not verify any information and from the courts stating they do not provide that information. If they do not have any documentation in your files to verify the accuracy of these disputed account, then they are suppose to delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report they damaging my credit. XXXX has already removed these items. This has been going on since XXXX and I have filed numerous complaints. I have now went to the XXXX  and FTC and my states attorney.
Consumer complaint received 2016-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

My home can be saved. Please help me. I make enough money now to afford a modified mortgage that rolls in the payments that I am behind on if it puts the interest rate at the prevailing rate for a 40 year term. 
I applied to Wells Fargo for a mortgage modification in on XXXX XXXX, 2015. After they received my application they sold my mortgage to a new investor and to a new servicer, XXXX XXXX XXXX. The loan was sold on XXXX/XXXX/15. They sold my loan to XXXX so that XXXX could foreclose on my house. XXXX is notorious for denying modifications and speeding through the foreclosure process. Despite the fact that my mortgage was being reviewed for a modification they sold my mortgage to XXXX who immediately began foreclosure proceedings. After my mortgage was sold to XXXX I received a HAMP denial letter from Wells Fargo stating that my loan was denied for several reasons that were inaccurate. Their waterfall analysis did not follow the proper procedures in the HAMP guidelines and there were errors. I received a letter from Wells Fargo saying that my loan modification was denied because Wells Fargo was unable to create an affordable mortgage payment. I make sufficient income for a modification. XXXX XXXX had told me that my modification application would be sent to XXXX, yet XXXX claimed that they never received it. My denial letters from Wells Fargo were mysteriously dated XXXX/XXXX/15 the same day that my loan was transferred to XXXX. This fact tells me that they did not actually review my application but just fabricated reasons for the denial. I allege that they did this because they wanted to sell my mortgage to XXXX for the following reasons : They wanted to sell my mortgage to XXXX so that they could foreclose ; and XXXX does not want to buy loans that are still eligible to be modified because they make money buying mortgages at a discount and then foreclosing on the homes. I wrote to Wells Fargo to ask for details of my denial and to appeal my denial. I never heard back. If Wells Fargo and XXXX want the benefits associated with participating in the government programs and they do participate in the government programs then is n't it my right to appeal the denial? If my application is denied with Wells Fargo then I need to know the accurate reason for my denial. I would also like to know which modification programs I was reviewed for and the calculations that determined that I would be denied. I have attached the denial letter that Wells Fargo sent me and my appeal to this email. I faxed my appeal in and emailed XXXX XXXX who was the person at Wells Fargo assigned to my account.
Consumer complaint received 2021-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (DE)

ccs collections XXXX XXXX XXXX XXXX ma. XXXX ( XXXX ) XXXX has been sending me collection notices in the amount of {$580.00} date assigned XX/XX/2019. The collection has been reported as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-07-10
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. (LA)

I've been disputing my credit file with XXXX, Experian and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint ... ..The 3 credit bureaus reports an inaccurate account that has not been investigated, nor a notice of dispute recorded, This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover my open accounts Payment data history does not coincide on any accounts, XXXX  Last payment does not coincide with XXXX  payment data history, XXXX  does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Consumer complaint received 2022-08-11
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. (AZ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX - XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$17000.00}.
Consumer complaint received 2017-10-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (OH)

On XX/XX/XXXX, I received a private loan from XXXX XXXX for {$30000.00}. I  graduated from XXXX in XX/XX/XXXX. Since then, I have been paying at least {$280.00} a month as a repayment. I began XXXX XXXX  in XX/XX/XXXX, but was unable to receive a deferment on the private loan payment despite not being able to work. At the same time, I was able to receive deferments for the extensive federal loans. Despite this fact, I paid my monthly payment of {$280.00} a month every month since the summer of XX/XX/XXXX. I graduated from XXXX XXXX in XX/XX/XXXX. During this time, my loan has been transferred by XXXX to American Education Services, and they have increased my loan payment to {$300.00} a month. I have been unemployed since XX/XX/XXXX,  but I 've been able to pay my monthly payment every month. However, the payment is crippling. The outstanding balance on the loan is over {$35000.00}. I need immediate help with paying this loan.
Consumer complaint received 2020-04-30
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: Experian Information Solutions Inc. (FL)

I have sent 3 letters to the credit bureu ( Experian ). In the results of their investigations, they stated in writing that they verified that unverified items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2016-01-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc. (GA)

Really concerned about how Nationwide Biweekly Administration handled the notification to it 's members about the suspended Biweekly program. For those people ( to inlcude myself ) that does not check their e-mail regularly this has caused a significant financial challenge in having to make XXXX mortgage payments in one month which has put a strain on my financial situation. This is not the way I wanted to start 2016. I truly feel that Nationwide Biweekly Administration Inc. is taking advantage of individuals with their marketing skills and the cost to the consumer for the program which for me was {$3500.00} for them to do something that my mortgage company just agreed to do for nothing. Yes I feel stupid for falling into this trap and will not be so naive in the future.