davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NJ)

Around XXXX a mortgage company named Green Tree took over the mortgage for my home. Green Tree forced placed flood insurance on the house, flood insurance I had already purchased out of pocket. I had escrow for one year when I bought the house in XX/XX/XXXX, after that I dropped the escrow and started paying bills associated with the house out of pocket. I tried to resolve the issue of the forced placed flood insurance with Green Tree,  sending them proof of insurance several times but was met with threats of forclosure and demands that I leave my home. It got to the point where they did start forclosure proceedings and refused to accept any payments I made towords my mortgage. I couldnt even make any future flood insurance payments because my money would always be returned to me but they allowed me to continue to pay for the home owners insurance and the taxes. I have an attorney who I expected to help me out with this problem. Considering the fact that Green Tree had multiple complaints and even lost several, multi-million dollar, class action law suits against them in reference to this situation, I thought this matter would have been resolved a long time ago with a ruling against Green Tree. To make matters more complicated, Green Tree is no longer in business. Now it is getting down to the wire, I received a call from a stranger, not my lawyer, to inform me that my house is scheduled for a sheriffs sale to be held in XXXX. I know its late and cutting it close but I am at the end of my rope and I am hoping that this letter reaches someone that can help me before I get kicked out of my home. Thank you.
Consumer complaint received 2020-05-29
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 
XXXX XXXX XXXX {$740.00} XXXX XXXX, XXXX   XXXX {$530.00} XXXX/XXXX  XXXX {$1100.00}
Consumer complaint received 2020-05-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (TX)

On XX/XX/XXXX I received a credit alert that that my score dropped 34 points due to two collection accounts reported by IC Systems. After further research, I concluded IC Systems is reporting a MEDICAL DEBT from XXXX XXXX XXXX XXXX XXXX that was sold to them on XX/XX/XXXX. IC Systems has violated the 180-day (  six month ) wait period before a medical bill can be reported to credit bureaus. I believe that is a shady fraudulent reporting tactic on behalf of IC Systems to not label it as a medical collection but a collection/charge-off. The medical collection was {$1400.00} in which IC Systems is illegally reporting two separate balancing of {$1400.00} and {$73.00} which show two collection accounts. To make matters worst the country is coming off lockdown for more than 45 days due to COVID-19 and IC Systems reports two collections prematurely that has impacted my credit scores. That makes me ask did the state of Minnesota deem IC Systems " essential workers '' during this global Pandemic. I have yet to receive correspondence by mail from IC Systems pre COVID-19, during or after. IC Systems is a shady collection agency. 

Account # XXXX {$1400.00} Account # XXXX {$73.00}
Consumer complaint received 2020-05-14
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open are open. lease remove these accounts from my report as soon as possible. They do not belong to me. XXXX {$470.00} XXXX XXXX XXXX XXXX {$220.00}
Consumer complaint received 2020-05-21
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: JPMORGAN CHASE & CO. (NY)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2020-05-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NY)

The company is Quicken Loans. My loan officer was XXXX XXXX. 

On XX/XX/XXXX, After discussing my finances and income with XXXX, I was initially approved for a purchase amount of {$400000.00} and a mortgage amount of {$380000.00}. I received a pre-approval letter with these amounts listed on them, but the " finances and assets verification '' box was not checked off yet. When I inquired about this, XXXX told me all were approved, it was just a matter of getting the new document uploaded and that I was clear to make an offer on a home. 

I made the offer on a home that I liked, but thankfully ( now ) it was rejected. On XX/XX/XXXX I inquired about my finances and assets verification again and I was given the same story by XXXX, that they were backlogged and underwriting just hasn't uploaded my document yet, but he guaranteed all was verified and that I was approved for a mortgage of {$380000.00}. 

After never seeing an updated approval letter and not hearing from XXXX. I suspected something was wrong so I held back on making a second offer on the home. Saturday XXXX XXXX texted me and asked me to upload a dispute removal form to remove some negative marks to my credit. Then my mortgage amount was lowered to {$320000.00}. 

XXXX called me on Monday night XX/XX/XXXX at XXXX. He said we should have a meeting the next day to discuss options for my mortgage. We set a meeting for XXXX on XX/XX/XXXX. I received a text from XXXX at XXXX on XX/XX/XXXX saying he was no longer with Quicken and that a new officer would take over my account. 

On XX/XX/XXXX I called Quicken and XXXX XXXX was assigned to my account. After reviewing my account, he then lowered my mortgage amount to {$270000.00}. 

Now all of this doesn't necessarily sound like a " complaint '', just my inability to get a mortgage. I understand that. However, XXXX told me that XXXX XXXX was fired for making too many mistakes on customers applications, such as " inflated income amounts ''. Apparently, XXXX told underwriting that I made $ XXXX when I do not. This ordeal wasted 3 weeks of my time, the seller 's time and the agents ' time. It seems like loan officers are benefiting in inflating income amounts in a " shoot now ask questions later '' fashion, offering loans that people may not be able to handle ... as seen in XXXX. Quicken loans sales tactics are aggressive and based on false numbers and numerous credit checks.
Consumer complaint received 2024-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

There are overcharges on my account. XXXX has not paid the vendor XXXX XXXX XXXX but continues to charge me. In addition, the charges are not valid because I have overpaid the vendor. The vendor is in agreement, there isn't a disagreement between vendor XXXX XXXX XXXX and me. XXXX XXXX XXXX agrees I have overpaid them but XXXX will not reverse the charges or contact the vendor. Please see attached
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rent Recovery Solutions (TX)

09 XXXX XXXX XXXX XXXX has hired a Third party company " Rent Recovery Solutions ''. To collect a debt they say I owe to XXXX XXXX XXXX XXXX. 

I have NEVER had a contract with " RENT RECOVERY SOLUTIONS '' NOR did I give them my expressed written consent to contact me by phone.. I'm asking that " RENT RECOVERY SOLUTIONS '' proves any alleged debt that I have with " RENT RECOVERY SOLUTIONS '' pursuant to 15 U.S.C. 1692g, for them to validate their claim of debt against me.

I am asking that " RENT RECOVERY SOLUTIONS '' proves that I have a lawful contract showing I owe them a debt.. 


I am with reasonable belief that the Respondent is in violation of the following : Using deceptive means to collect a debt ( 15 U.S.C. 1692e ( 10 ) ) Using unfair or unconscionable means to collect or attempt to collect the alleged debt ( 15 U.S.C. 1692f ).

I am asking that proof of debt with " RENT RECOVERY SOLUTIONS '' be established for the record.. since it can not be produced I ask that such FRAUDULENT report be removed at once..

Also have a UCC-11 from the Secretary of State filed that proves I have NO DEBTS. All liens and dents are recorded and kept with the Secretary of State he has no proof of this alleged debt so how can it exist if not by claim? Please remove erroneous statements off my credit. As public servants. 

Please provide proof of debt with signature from Me " RENT RECOVERY SOLUTIONS ''
Consumer complaint received 2020-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CO)

I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for XXXX or have used this phone carrier. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called XXXX XX/XX/XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.
Consumer complaint received 2020-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (AZ)

I am repeatedly receiving robocalls from Penn. XXXX XXXX XXXX. regarding a debt owed to XXXX XXXX XXXX for {$38.00}. I have contacted XXXX XXXX XXXX   directly and I owe no debt to them at all. I believe this to be a scam. I have reported this to XXXX Fraud Alert as well, but I continue to receive these calls. I have not called Penn. National directly.
Consumer complaint received 2020-05-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CO)

Due to Covid19 we were unable to make the regular scheduled mortgage payment and contacted our loan servicer prior to the due date, Nationstar/ dba Mr Cooper to forbear payments for 12 months as the loan is owned by XXXX XXXX . Mr Cooper refused to forbear for 12 months and only allowed 3 months. Mr Cooper
then sent a letter dated XXXX.20 with a person and number to call. When we called this number the voice message as well as the person who answered the phone identified themselves as a collection group within Mr Cooper.

We are checking our credit reports now for negative information that may have been reported.
Consumer complaint received 2020-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (KY)

I scheduled a transfer from my PNC savings account to a new XXXX account of {$1000.00} on XXXX Now, 4 business days later, the money is gone from PNC, but still not showing in my XXXX account. XXXX was contacted initially and said, " We apologize, but we can't verify deposits from outside sources, you'll need to contact PNC ''. PNC provides no explanation for where the money is, or why they could make two XXXX cent trial deposits literally over night, but {$1000.00} is lost and unaccounted for with no explanation for 4 days now.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ZWICKER & ASSOCIATES (AR)

XXXX XXXX XXXX, ZWICKER, XXXX XXXX AND ALL COLLECTORS SOLD NOW MUST REQUEST XXXX  TO MANUALLY REMOVE ALL TRADELINES AND JUDGEMMENTS FROM THERE DATA BASES, MUST FURNISH WRITTEN LETTERS XXXX NO XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-21
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: CITIBANK, N.A. (MA)

Hi, I saw late payment remarks on my credit report that I think is not possible, I pay on time.. Unless the bill did not arrived and I did not received it. Please help me remove this late remarks CBNA XX/XX/2019 2019
Consumer complaint received 2020-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (PA)

This is in response to an unfamiliar listing on my credit report. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my address, but a request for VALIDATION. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have reported invalidated information to the credit bureaus and this action constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with a lawyer to file suit This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Consumer complaint received 2020-05-14
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. (CA)

I recently pulled my credit to try to qualify for a mortgage and I noticed there was an account that does not pertain to me. The account is from XXXX XXXX and it was opened in 2014 with an address that does not belong to me. I did not open this account and I am not responsible for it in any way. I do not have any contract with that company and I did not benefit anything from this account such as money, goods, services, or any other benefit. I never made any payment towards this account. I don't know who is responsible for this account but I have already filed a police report. I have filed this report to the best of my knowledge.
Consumer complaint received 2019-03-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Commercial Recovery Systems (OK)

Received a call from phone number XXXX stating that I had a court hearing for a " civil matter '' in a voice mail. 

I returned the call with the case number they gave me, XXXX and asked what this was in regards too. The operator would not release that information until I confirmed personal information about myself such as my address and date of birth. 

I asked if they sent any notice in the mail about this civil action, and they said yes. I have to this date never received a notice. I asked the company name that the operator represents and the only information she would give me was XXXX out of XXXX Texas. I asked if the operator would give me their website and or physical address so that I could confirm that it was not a fraudulent call, and the operator refused. I asked if the operator 's company was a debt collection agency, and she stated " We are registered as a mediation company ''. Then she asked for my date of birth again. When I refused stating that I would only give it to her once she provided information about her company, she hung up.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (PA)

On XX/XX/XXXX, Great Lakes added a remark to my account that dropped my credit score 26 points ( XXXX ) and 20 points ( XXXX ). It was the only change on my report, and I'd done nothing differently- I was up to date on payments and hadn't requested a deferment or forbearance. 
I tried to contest it with the major credit bureaus on XX/XX/XXXX, with no luck. 
On XX/XX/XXXX, Great Lakes removed the remark from my account, which combined with other things ( credit card payments decreasing my balances, a hard inquiry expiring ) raised my score 20 points ( XXXX ). Still haven't gotten the points back on XXXX. 
The erroneous mark dropped my score so much, and it hasn't recovered totally. I should have gotten those points back, but I didn't. 
Great Lakes hasn't communicated with me at all.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX are reporting I was on LATE XXXX of 2020. I request METHOD OF VERIFICATION of this late payment. Please provide the names, phones, addresses and process used to determine the Late Payment or correct the history.
Consumer complaint received 2020-05-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

Opened a checking account with Citibank 's branch in XXXX in XXXX in mid XXXX, where I was promised free checks to be made available as a part of the account opening. No checks were sent to me for 5 weeks. I tried weekly to get a hold of the customer representative who opened the account, to no avail. I assume the branch has been closed due to COVID-19 but have no way of finding out as I don't live in XXXX. 

I tried tried contacting customer service representative twice and was put on hold indefinitely without any response. Being without checks for almost 2 months I went on the company 's website and found there was an order checks option. I chose it and it gave an option for 1 or 4 boxes. I chose 1 and proceeded to submit. No dollar cost was given, so I assumed it was handled without a cost. Following 1 more week without any checks, I again went on their website and chose to print again, this time for 4 boxes. Again, it did not mention any costs. I submitted for printing to be done. 

This week I was sent 4 check boxes, and my account my charged {$100.00} without any prior indication of the costs. I contacted customer support, and was finally able to speak to a representative who said he could not reverse the costs, but I should go to my closest branch with the checks and get reimbursed. I went in today and explained the story and was told they can not reimburse as they are not the branch with the account. 

I expect the charge to be reimbursed as it was promised for free and after 2 months, no checks were ever given and the printing costs were never disclosed by Citibank. 

I have emails from the customer representative until the opening of the account and promise to provide free checks, made by XXXX XXXX XXXX.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC. (OH)

Kay Jewelers are reporting I was on LATE XX/XX/2020. I request METHOD OF VERIFICATION of this late payment. Please provide the names, phones, addresses and process used to determine the Late Payment or correct the history.