davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (OR)

My home mortgage is with Penny Mac. It has a PMI fee that we have been paying. Per the original agreement. As of a month ago the Loan to Value dropped to 79.79 %, which was to trigger a stop on the PMI. I notified Penny Mac that per our agreement to stop charging me for the PMI. They refused until I PAID for a re-evaluation of my home. This was never in any documents. As a matter of fact I have a letter from Penny Mac dated XXXX/XXXX/14 that states ; that the PMI would be terminated when the Loan to Value reaches 80 % or lower than the " Original Value ''. It has reached that level and they now want me to pay for the home assessment before they will terminate the PMI. This is not part of the agreement. 
Please Help.
Consumer complaint received 2021-03-27
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. (PA)

XXXX XXXX of the Family XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX Exempt, ( DMM 602 1.3e ( 2 ) ) Non Domestic, Real XXXX XXXX XXXX XXXX XXXX it XXXX concern, I XXXX XXXX writing you today as an aggrieved man. I am a victim of identity theft. I checked my credit report with Transunion today and noticed unauthorized hard inquiries I have knowledge of. A variation of my name and addresses I have never resided at. 

The unknown and unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FXXXX XXXX  The unknown and unauthorized addresses are as follows : XXXX XXXX XXXX XXXX XXXX, OR XXXX and XXXX XXXX XXXX XXXX XXXX, NEW JERSEY XXXX. 
The unknown and unauthorized name is as follows : XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have contacted the credit bureaus on multiple occasions and they have yet to fix my issue. I have multiple inquiries on my credit report that I did not authorized and I need them removed immediately.
Consumer complaint received 2016-07-23
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express ( Amex ) inquiries are on my credit report fraudulently. I spoke with a customer service representative who informed me that these were applications submitted over the phone using my personal information. It is common knowledge that ANYONE can submit a credit application with someone else 's personal information. I am disputing these inquiries, made on these dates : XXXX XXXX, 2015 XXXX XXXX, 2015 XXXX XXXX, 2015 XXXX XXXX, 2015 XXXX XXXX, 2015 I did not submit ANY applications to American Express ( AMEX ) on these dates and wish for the hard inquiries placed on my credit reports ( XXXX and XXXX XXXX to be removed. Moreover, it should be noted, the frequency of these credit applications being submitted reflects identity theft.
Consumer complaint received 2016-06-17
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY (VA)

XXXX XXXX ( XXXX ) does not provide their account holders credit card on file with detailed transaction information. The information is batched into single transactions billed to XXXX , XXXX My family just discovered that XXXX XXXX XXXX XXXX has been billing us for over 2 years for hundreds of dollars ... ..all unauthorized. XXXX will only credit 60 days. We had no way of knowing of fraudulent charges based on our American Express charges monthly and this is wrong. Am. Ex & XXXX need to provide detailed transaction reports so a consumer can readily detect fraud. Please help me get credit for the numerous unauthorized transactions from XXXX on our account.
Consumer complaint received 2021-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have found a couple of inquiries on my credit report that I do not recognize and never authorized. I have sent multiple letters to Transunion about it but nothing has been done. Until today those unauthorized inquiries are still on my credit report XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX  XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MS)

I was laid off by my employer for lack of work. I have requested a mortgage modification with my mortgage company Green tree several times for the last 3 years. They will not work with me to modify my mortgage. I was recently sent a property foreclosure sale notice to forecloseon my house XXXX XXXX, 2015. Ditech is my new mortgage company I did not receive a letter stating they were my new mortgage company. I want to keep my house and modify my mortgage. Please assist me with the mortgage modification. and postponing the foreclosure sale date. Thank You
Consumer complaint received 2016-01-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (NJ)

My loans have been taken out through sallie mae, but XXXX as you know turned their loans over to navient. Navient is trying to change terms within our promissory notes in which states our private loans must be paid back in 48 months. This policy is not listed in our promissory notes that we signed off on, their has been no new promissory note sent to us stating new terms and policies. I am still in school and they are trying to make me pay back loans when I should not be according to the terms that I have signed off on in my promissory note. I understand that the CFPB might be suing Navient I would appreciate if this would be included in the suit. 

Thank You, XXXX XXXX
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

i call capital one several times ... Since XXXX when i gotten a news about i have came down with XXXX and getting treatment I ask capital one if can work with me about reduce payment or lower the interest until now XXXX they said big NO.. spoken to several manager and still NO. it as been 3 years and the account go up and not down what can i do next thanks for your help
Consumer complaint received 2017-01-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (OH)

I am complaining about PennyMac. They refuse to review my documentation for a mortgage solution. I have completed a full borrower 's response package and I am ready to submit. They are taking financials over the phone and only will do a repayment option. Are they confident I calculated my income and expenses correctly? They told me there are no imminent default programs for FHA. I reviewed www.hud.gov and they do offer assistance. FHA does have imminent default programs available. They made the gesture that I must fall delinquent by 3 months in order to get assistance and then only it is not guaranteed. I am currently in Chapter XXXX bankruptcy and they told me that no credit reporting is taking place ( not true ) and no late charges accruing ( not true ). The mortgage is NOT being paid through the bankruptcy plan. They offer no fax number to submit a borrower 's response package. I need help for them to comply. There is no reason to make this go on as I am in good faith trying to get help. The 90 day rule is during or prior to the financial crisis and HUD has changed their guidelines. I need a list of the current documents I need to submit in my situation in Chapter XXXX.
Consumer complaint received 2017-03-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (UT)

I am trying to get a modification on my loan and finished all three trial payments but when I called to see about getting the final modification they told me I was {$3000.00} behind and that it would be 90 days before I had an answer. I do n't know what to do now.
Consumer complaint received 2016-01-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (MO)

Do to health issues, loss of employment and a divorce I fell behind which sent me in to the foreclosure process. This started in XXXX, I made every attempt to get a loan modification. I was assigned a Single Point if contact, XXXX throughout the 3 yr process. I 've never spoken to XXXX them. I 've spend over 40 hrs on hold, being transferred to n fro from Dept to Dept. I ended up having to file bankruptcy to get them to work with me. This entire bankruptcy cost me more than my arrears. I finally got my loan modification in XXXX of XXXX. Thank you. But because I was still in the bankruptcy process I was n't allowed to make payments online. To make a payment by phone I 'm charged an extra {$15.00} per month. I 've been told for 3 months now I can pay online but when I try, I receive a msg telling me I have to call. Then I 'm charged extra, on hold and bounced to a minimum if XXXX depts and told I should pay online to avoid the {$15.00} charge. I 'd love to. I 'm very grateful to have gotten the loan modification and am doing great financially but feel I 'm still be prohibited from paying in a normal manner, and charged a bogus fee. This month I started trying to pay on the XXXX and was unable to get payment thru til the XXXX due to being bounced and on hold. I have to work, when I 'm available to hold for extended periods the phone lines are closed. Sometimes people really are trying. But the loop and hoop sytem puts them further behind.
Consumer complaint received 2022-02-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I refinanced my XXXX auto loan with Capital One in 2020. I mailed the power of attorney document on XX/XX/2020 and submitted registration and identification information to Capital One by email on XX/XX/2020. I subsequently paid off the loan ahead of schedule. 

I never received the lien release or title from Capital One after I paid off the loan. I found out that the XXXX was never released when I tried to obtain a copy from the XXXX. After speaking with Capital One, I learned that there was a {$0.00} balance on my account from interest after I paid off the loan which prevented them from sending me a paid in full letter. I never received a request for payment for {$0.00} from Capital One and never heard of it until I called to resolve this problem. They have also been unable to send me the title despite the fact that I gave them a XXXX account. At this point it has been almost XXXX  months since I paid off the loan. A representative from Capital One told me that I could have called at any point in the last XXXX  months to collect these documents ; however I think it was Capital One 's responsibility to take final steps with the XXXX and with me as a customer. 

Documents available on request.
Consumer complaint received 2016-02-26
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: Bank of China USA (NY)

I have a savings account denominated in XXXX at Bank of China. They charge above market rates ( almost 1 %! ) to convert from USD to CNY and vice versa, and I already paid that premium to get in. Now I would like to get out, but I do not want to pay their excessive bid-ask spread. Since they are not willing to give the fair market rate, I would like to move my money to a broker ( e.g. Interactive Brokers ), where I can trade at the fair market rate. 

I thought of XXXX solutions : 1 ) They let me wire my XXXX there, or 2 ) They let we withdraw it as cash/check so I can deposit it there. However, the branch employees tell me I need to convert to USD first before wiring, and that the physical withdrawal limit is very small per day ( it would take me half a year to withdraw my savings ). Basically, they want to force me to pay their excessive spread on the currency rate. 

It does not seem legal to me to prevent me from transferring/withdrawing my own money how I see fit. I understand money laundering concerns, but they can do as much background check on me as they like, and see that I am clean. It seems to me I should be able to withdraw my money in any form and quantity I want. Thanks.
Consumer complaint received 2022-02-03
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Allegiant Capital Recovery LLC (TN)

Everyone in my family is receiving calls and texts messages about this debt.. saying the I owe this debt and it is delinquent. They also call everyone with my last name and threaten to locate me to go to jail. A guy says he is a government official looking to locate me for jail or court if I dont pay. Called 4 family members.
Consumer complaint received 2020-10-16
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)

My name is XXXX XXXX XXXX. 
I am writing to complain on Transunion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Consumer complaint received 2022-07-20
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. (CA)

How many times do I have to tell the Credit Bureaus that the references for the late payment on these accounts are erroneous and misleading causing negative impact on my XXXX XXXX? Through a written letters sent on XX/XX/2022, I requested the Credit Bureaus for the investigation and correction of these accounts and yet upon reviewing an updated copy of my Credit report, it is clear that they have done nothing. Let me remind the Credit Bureaus that they are obliged to investigate and update these accounts per consumers requests under the FCRA regulation. The 3 credit bureaus must validate these accounts in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Once again, I am requesting that the Credit bureaus take their time to THOROUGHLY investigate and CORRECT these accounts to report accurate information on my Credit Report. 
1. DPT EDXXXX XXXX Balance Owed : {$2300.00} 2. DPT EDXXXX XXXX Balance Owed : {$10000.00} 3. DPT EDXXXX XXXX Balance Owed : {$5500.00} 4. DPT EDXXXX XXXX Balance Owed : {$3200.00} 5. DPT EDXXXX XXXX Balance Owed : {$5500.00} 6. DPT EDXXXX XXXX Balance Owed : {$10000.00} 7. DPT EDXXXX XXXX Balance Owed : {$4700.00} 8. DPT ED/XXXX XXXX Balance Owed : {$4600.00} 9. DPT EDXXXX XXXX Balance Owed : {$10000.00} 10. DPT EDXXXX XXXX Balance Owed : {$1700.00} 11. DPT EDXXXX XXXX Balance Owed : {$4900.00} 12. DPT EDXXXX XXXX Balance Owed : {$5700.00}
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX is reporting my account as 90 days past due for XX/XX/2020, XX/XX/2020 and XX/XX/2020. Experian received a copy of a letter from XXXX XXXX  stating the account is in good standing however, it is still being reported ad late and Experian will not update my credit file.
Consumer complaint received 2015-03-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NY)

XXXX has claimed I owe them {$27.00} for XXXX years despite the PROOF of PAYMENT I sent them : canceled check and their ownPAID INVOICE for {$27.00}! 
They continue to insist I owe them and collection agencies are after me. 
How can I stop this harassment for a bill I already paid four years ago?
Consumer complaint received 2015-10-06
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (NY)

Since XXXX 2015, I have repeatedly tried to get a dispute started for a charge XXXX put on my American Express Serve card for approximately {$94.00}, because these were cable wires, AND LITERALLY, NOT ONE OF THESE WIRES OR ANYTHING ELSE I MIGHT HAVE RECEIVED WORKS! I HAVE REPEATEDLY CALLED SERVE, AND NO MATTER HOW MANY TIMES I CALL TO START A DISPUTE, I 'M TOLD ALL KINDS OF XXXX ABOUT WHY THE CHARGE CA N'T BE DISPUTED - WHICH IS B.S!!! IN THE BEGINNING, I DID GET A DISPUTE FORM IN MY EMAIL ; THEN, 3 DAYS LATER, SERVE WROTE ME AND SAID IT WAS CLOSING THE CASE, BECAUSE " I FAILED TO RESPOND!! '' SINCE THEN, I HAVE ENCOUNTERED NOTHING BUT EXCUSES AND HEADACHES IN TRYING TO START A DISPUTE! THIS IS WHY I AM WRITING. I WANT MY XXXX MONEY BACK AND I WANT IT NOW!!! PLEASE ASSISTS ME IN THE RETURN OF THE {$94.00} APPROXIMATELY!
Consumer complaint received 2022-02-03
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: Lending Club Corp (TX)

XXXX5 usc 1635 i have the right of rescission of any and all contracts, anything undisclosed within the contract violates the contract, without proper understanding and full disclosure and a meeting of the minds. 

REMEDY REQUESTED : In short I am requesting that this account be deleted due to the fact that I rescinded my signature from any and all contracts with your company and 15 USC6802 gives me the right to opt out of any reporting. 
Anything after the acceptance of this letter is going to be considered 15USC 160XXXX ( p ) unauthorized use and i will be charging {$300.00} a day for the use of my private intellectual property ( My NAME and SS # ). 
If no remedy is provided then you accept the consideration i gave you to pay me {$300.00} a day and you stand in agreement that I will pursue action in small claims court for remaining balance. 
Time is of the essence : you have 30 days to remove and or pay damages for defamation, malicious negligence and these are going to be considered your agreement to pay me liquidated damages.
Consumer complaint received 2021-09-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had two capital one cards one in XXXX and another in XXXX the XXXX which is pass the 7 year make to be collection upon should be removed from credit report as per the fdcap federal state and also in nys this account is two old to be collection upon if not removed from my credit report i can and will bring a federal law suit aginst the collection agent and also it is against the law to report as a open account when the account is closed
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have requested help on this issue several times. Experian is especially negligent in verifying this account. XXXX XXXX  has consistently reported an account I had with them and opened and closed it depending on the month. I have a letter dated XX/XX/2019 informing me by XXXX XXXX  that my account was closed and sold to XXXX XXXX XXXX at that time. Yet XXXX continued to report my account, usually with a XXXX  balance, for over a year and some months showing 120 days late. This intentional false information supplied to credit bureaus has prevented me from obtaining credit, refinancing my home and increased my insurance premiums. I am outraged that for over a year I have been reported as delinquent by a company that doesn't even own my account with made up late payments.
Consumer complaint received 2016-02-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I check my credit report and found that it have wrong information on there, so I contact equifax to let them open a dispute and told them this debt is not mines.They did the dispute, and inform me that they can not remove the debt from my report, because the company that put it on my report send them proof the debt is mine.I said to equifax to please provide me with your proof, equifax send me a document that did not have my name on there, I ask for a next dispute, after 4 dispute I ask for a supervisor, I told the supervisor of equifax the debt is not mine and I have been trying to get the company who is XXXX XXXX who put this false information on my credit report to send me some kind of proof that the debt is mine, the person at XXXX XXXX continue to give me the run around, I call left messages for day no call back, then this lady call back and said she will send me proof by email, I give her my email address, and I ask how long before I get back the info she said seven day, I said are you mailing it she said no it 's coming by email.I waited for 8 day no email just run around I reach out to her again same thing happen.I call back equifax and told them the problem they said they can not help me its up to XXXX.I said to the supporvisor you will allow a company to keep false information on my report and you did not see proof it 's my debt? Equifax said they ca n't help me, I would have to continue to reach out to XXXX. Equifax and XXXX have handle this station very poor in my book.Equifax allow XXXX to put fraudulent information on my credit report.The supporvisor said it nothing they can do to help me everything is up to XXXX.That is not fair at all and something needs to be done these big companies give the run around so you give up, not good on equifax and XXXX.I will up load information they send me that do n't have my name.Thank you