davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: UNITED MORTGAGE CORP (SC)

I HAVE APPLIED FOR HARDSHIP ASSISTANCE WITH MY SERVICER UNITED MORTGAGE CORP, THEY REQUESTED DOCUMENTATION ON XX/XX/18 AND I SENT THE REQUESTED DOCUMENTS ON XX/XX/18. I CONFIRMED THAT DOCUMENTS WERE RECEIVED ON XX/XX/18 AND NO DOCUMENTS WERE BEING REQUESTED AT THAT TIME. I CALLED IN TODAY XX/XX/18 AND I WAS INFORMED THAT THEY REQUESTED DOCUMENTS ON XX/XX/18 AND BECAUSE THEY DIDN'T RECEIVE THE DOCUMENTS WITHIN MOMENTS OF HAVING RECEIVED THE DOCUMENTS THEY CLOSED THE FILE ON XX/XX/18. THIS IS OUTRAGEOUS!! I TRIED TO SPEAK TO A SUPERVISOR AND I WAS TOLD THAT THE SUPERVISOR WAS NOT AVAILABLE, HOWEVER THEY WERE AVAILABLE TO SPEAK TO THE REPRESENTATIVE THAT I WAS SPEAKING AND INFORMED HER THAT IT IS COMPANY POLICY TO KEEP THE FILE FOR A PERIOD OF TIME AND IF DOCUMENTS ARE NOT RECEIVED THAN THEY WILL CLOSE FILE. WELL LOOKS LIKE THE SUPERVISOR HAD TIME TO GO OVER COMPANY POLICY BUT NOT TIME TO GET ON THE PHONE TO BE A SUPERVISOR. THIS POLICY MAKES NO SENSE AS I ASKED THE LADY I SPEAKING WITH HOW DOES THAT MAKE SENSE DUE TO WHEN I FAX YOU DOCUMENTS YOU TELL ME THAT IT TAKES 48 TO 72 HOURS TO UPLOAD SO BY YOUR COMPANY STANDARDS YOU WILL CLOSE EVERY FILE ON EVERY REQUEST. THE LADY SAID ALL I DO IS READ THE NOTES I AM NOT THE PROCESSOR, PROCESSOR OR NOT THIS POLICY IS A JOKE AND NOT WITHIN FEDERAL GUIDELINES. I HAVE AN FHA LOAN AND THEY ARE DEFINITELY NOT ABIDING BY THOSE GUIDELINES EITHER.
Consumer complaint received 2018-08-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc (NC)

I received ( 4 ) four bills from XXXX , IXXXX XXXX XXXX XXXX XXXX , MO XXXX XXXX. For charges that I have no knowledge of. 
Bill 1. consumer # XXXX client reference # XXXX Amount {$30.00} Bill 2. account # XXXX consumer # XXXX Amount {$290.00} Bill 3. account # XXXX consumer # XXXX Amount {$180.00} Bill 4. account # XXXX consumer # XXXX Amount {$160.00} with the total of {$670.00} that is been reported to the three credit bureaus. I called XXXX AND TOLD THEM THAT I DID NOT HAVE THESE BILLS. I DID NOT KNOW WHO MADE THESE CHARGES. I ASK THEM TO STOP REPORTING TO THE CREDIT BUREAUS ON MY SOCIAL SECURITY. I ASKED THEM TO REMOVE IT FROM MY CREDIT REPORT THEY REFUSED. THEY SAID IT WILL STAY ON MY CREDIT REPORT UNTIL I PAY. PLEASE ASK THEM TO REMOVE THE FOUR CHARGES FROM MY CREDIT REPORT. I HAVE CALLED THEM MORE THEN 10 TIMES. THEY STILL REFUSED TO REMOVE IT FROM MY CREDIT REPORT. I FILED 4 DISPUTE WITH THE 3 CREDIT BUREAUS THEY ALSO REFUSE TO REMOVE IT FROM MY CREDIT REPORT. I HOPE YOU CAN HELP RESOLVE THIS ISSUE.
Consumer complaint received 2018-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

Consumer disputed Inaccurate information on credit profile with Credit bureaus & they haven't corrected the item in question. On XX/XX/XXXX I received notification that public record accounts were reporting in my name on my credit report. I've disputed this error with them and have since contacted this credit bureau numerous times via mail, phone, & online disputes and in return have gotten the disputed items not properly corrected on my report. Not only is it affecting my report but my life as well. I've sent certified letters U.S.P.S Postage mail to this Reporting Agency over the course of 6 month. Ive disputed these same items & the company has yet to provide a response within the 30 days allowed, provide any Validation of Record which I requested nor correct this costly error on my behalf which is affecting my opportunities to obtain credit. It even doesn't show in the comments section under the items marked as Disputed By Consumer which under the FCRA is a strict violation in correspondence to my rights as a consumer. I've written the US Northern district Courthouse & their response ( which  I can provide ) is that they do not report any activity with credit bureaus or third party companies. This letter was officially sealed and notarized by an agent representative of the Courthouse. So my concern is that if they aren't reporting any information how is that being retrieved This public record is only reporting on my Lexis Nexis report and not any other bureaus. I have suppressed my public file with them ( see attachment ) as well as placed a security freeze on my profile as well. Yet they've yet to correct this incorrect information.
Consumer complaint received 2017-10-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Social Finance, Inc. (FL)

I refinanced an FHA mortgage into a conventional mortgage in order to get rid of mortgage insurance payments. My lender is Sofi. When I contacted the lender, I was promised an interest rate of 4.375 %. I signed a rate lock document that guarantees that rate for 40 days. 

However, in the closing documents the rate was stated as 4.5 %. In the rush to sign all the closing documents I overlooked that and signed the papers. 

Do I have any recourse? 

Date rate lock Expires : XXXX XXXX, XXXX : Date closing documents were signed : XXXX XXXX, XXXX.
Consumer complaint received 2017-10-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (OH)

On XX/XX/XXXX I mailed Diversified Consulants in XXXX a certified Letter *copy attached* for debt validation, according to the USPS it was received in their offices on XX/XX/XXXX, I requested validation of a debt they are reporting on my credit report .After 33 days I have received nothing from this company.
Consumer complaint received 2018-08-17
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: EQUIFAX, INC. (NY)

INQUIRYS FROM THESE COMPANYS DO NOT BELONG TO ME. I HAVE CALLED AND I HAVE SENT CERTIFIED LETTER AND STILL NOTHING HAS CHANGED. 

1.XXXX Inquiry from XX/XX/XXXX 2.XXXX Inquiry from XX/XX/XXXX 3.XXXX/XXXX  Inquiry from XX/XX/XXXX 4.XXXX/XXXX Inquiry from XX/XX/XXXX 5.XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7.XXXX  XXXX Inquiry from XX/XX/XXXX 8.XXXX/XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MS)

I have no knowledge of this account. I have been denied credit because of this account. I have tried to dispute this account and could not get it off of my credit. The company reporting the credit item has incorrect personal information. The company has the incorrect date of birth, social security number, and my name is misspelled. This company had two accounts on me. The other account was disputed but not this account, when they have the same information on both accounts.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

Credit Reporting company is reporting inaccurate information on my credit report and I have disputed the information and all that they keep informing me is that they provided the information to the company ( XXXX XXXX ) and waiting to hear back. My account with XXXX XXXX was paid in full from a insurance claim from XXXX XXXX. XXXX XXXX received the settlement check from XXXX XXXX and signed over the title to the vehicle to XXXX XXXX XXXX. Now that everything has been paid out and XXXX XXXX has owner ship of my vehicle, XXXX said that I have accrued finance charges on my account that is still open. I explained to XXXX that this is incorrect because my vehicle was paid in full by XXXX XXXX, you received the settlement check from XXXX XXXX and signed over the title to XXXX XXXX. XXXX does not even own ownership to my vehicle any longer XXXX XXXX owns it due to a insurance settle from total loss of vehicle. Please see attached documents from XXXX XXXX and a paid in full letter from XXXX. All that I want is XXXX XXXX removed off my credit report on all three credit beaus due to its reporting 120 days pass due and they no longer own my vehicle and I do not owe XXXX XXXX any money. XXXX XXXX XXXX paid XXXX XXXX  in full
Consumer complaint received 2017-11-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCSPLUS INCORPORATED (MD)

Sometime during the early to middle part of XX/XX/XXXX, I  spoke with XXXX, a manager at the XXXX XXXX XXXX, XXXX ( XXXX ) in XXXX Maryland. I was requesting to speak with the XXXX XXXX XXXX, the owner of the practice who treated me during most of XX/XX/XXXX. I was going to request XXXX XXXX if he could wave the remaining balance because my XXXX had left me unable to pay. XXXX wouldnt let me speak with XXXX XXXX telling me that XXXX XXXX will say no, but she said I could pay any amount when I can. I guess because of my insistence, XXXX suddenly cut off our phone conversation saying .Ok XXXX , Im sending you to collections. 

Then after, I managed to sort out my personal budget and on XX/XX/XXXX, I made a payment of {$35.00} towards my balance. However, I was surprised to receive a new statement with a balance of {$180.00}. When I called XXXX, I was told that a {$50.00} collection fee was added to my balance. On or about middle of XX/XX/XXXX, I did get a letter dated XX/XX/XXXX from NCS Plus Incorporated ( NCS ) but with an amount due of {$220.00}. I dont understand where this amount was based on. 

Aware that I already made a payment of {$35.00} which was accepted by XXXX, I thought nothing more of the letter. Shortly thereafter, I also received a few voice mail messages from NCS but for the same reason, I also thought there was no need for me to call back. On or about the first week of XX/XX/XXXX, I received a 2nd letter dated XX/XX/XXXX from NCS with an amount due of {$220.00}. I had just made a payment of {$10.00} on XX/XX/XXXX to XXXX, so again I didnt think any more of the letter. 
I made my 3rd payment of {$10.00} to XXXX on XX/XX/XXXX and I made sure to tell XXXX of NCSs 2 collection letters and phone messages. She assured me she will let NCS know that Im making payments toward the balance. Today, XX/XX/XXXX, I received a 3rd letter dated XX/XX/XXXX with the same amount due of {$220.00}. 

NCS is in direct violation of the Fair Debt Collection Practices Act XXXX because they are misrepresenting the amount of the debt it is attempting to collect. The amount due of {$220.00} was wrong from the start and it is absolutely wrong today! It is irresponsible for NCS to continue sending me collection letters without knowing the actual state of my account.
Consumer complaint received 2017-10-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

No response. XXXX XXXX keeps calling, more than once a day to collect a debt from my stepson who is out of state. He will never pay the debt. We allowed him to use our address for his mail for a short time. He has never lived here. Not responsible for a XXXX year old XXXX XXXX. I have blocked the calls, but the still phone rings. I want the calls to stop. Have notified them by mail, returning letters they sent and by phone. They keep calling. If they looked on the internet, they 'd see he is probably in Arizona where he is a frequent guest in XXXX XXXX jail. 
Name : XXXX XXXX XXXX ( or XXXX XXXX ). DOB. XX/XX/XXXX
Consumer complaint received 2017-10-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

We sold our Home XXXX XXXX XXXX  XXXX on XXXX NY. We closed on XXXX XXXX 2017. We had an outstanding balance of $XXXX with a wells Fargo mortgage and the title company sent that amount in a XXXX XXXX XXXX check and someone at the correct address for payoff signed for the check. Wells Fargo claims that they received the check but cannot find it and asked XXXX XXXX to cancel. XXXX; XXXX cannot reissue a new check for 90 days.This presents multiple issues;1- We still have this showing on our credit report preventing us from buying a new house2- The house still has a lien and there are new folks living there3- Wells Fargo has held our escrow balance of $XXXX and are subtracting $XXXX to buy an insurance policy on a house that we do not own anymore.I have gone up the chain at Wells Fargo and all they can do is apologize, i have also had our XXXX follow up and same result.I am livid and want to have them deal internally with this problem and resolve on our end.Thank-youXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-10-05
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: Garcadia Financial LLC (NE)

On XX/XX/XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (NH)

XXXX XXXX has had a Home Depot credit card for three months. I was told my card would be reported to XXXX XXXX by the second month of using the card and it is not showing up on my credit report. I have tried to solve this problem by calling Home Depot but they said it is automated and they could n't help me.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

Credit Reporting company is reporting inaccurate information on my credit report and I have disputed the information and all that they keep informing me is that they provided the information to the company ( XXXX XXXX ) and waiting to hear back. My account with XXXX XXXX was paid in full from a insurance claim from XXXX XXXX. XXXX XXXX received the settlement check from XXXX XXXX and signed over the title to the vehicle to XXXX XXXX XXXX. Now that everything has been paid out and XXXX XXXX has owner ship of my vehicle, XXXX said that I have accrued finance charges on my account that is still open. I explained to XXXX that this is incorrect because my vehicle was paid in full by XXXX XXXX, you received the settlement check from XXXX XXXX and signed over the title to XXXX XXXX. XXXX does not even own ownership to my vehicle any longer XXXX XXXX owns it due to a insurance settle from total loss of vehicle. Please see attached documents from XXXX XXXX and a paid in full letter from XXXX. All that I want is XXXX XXXX removed off my credit report on all three credit beaus due to its reporting 120 days pass due and they no longer own my vehicle and I do not owe XXXX XXXX any money. XXXX XXXX XXXX paid XXXX XXXXl in full
Consumer complaint received 2017-10-05
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: FC HoldCo LLC (NJ)

On XX/XX/XXXX my car was in an accident. Subsequently, my insurance company totaled the car and paid off the loan company Flagship Credit Acceptance in the amount of $ XXXX I contacted the loan company in XX/XX/XXXX to determine if I had a balance of any kind. I was told no and my title would be in the mail. The representative stated that I was paid up until XX/XX/XXXX and I had no balance. He also stated that I should make my GAP insurance company aware of my payments and I should receive XX/XX/XXXX and XX/XX/XXXX 's payment back. Early XX/XX/XXXX, I receive my title in the mail. Come late XX/XX/XXXX, I receive an invoice from Flagship stating I owe {$0.00} ( I have the statement ). Then in XX/XX/XXXX, I get another invoice stating that I owe $ XXXX. I contacted Flagship immediately but I was unable to gain access to a customer service agent and my call was dumped. I tried several more times with no success. On XX/XX/XXXX when I arrived home in the mail was another invoice from Flagship stating I now owed them $ XXXX. Once again I phoned them and my call was dumped. If you press 4 for a customer service agent it refers you to their website. So I used my daughter 's phone to make the call and I was able to get an agent on the phone immediately. Before I gave them my social security number or account number I explained to XXXX in the PA office I would need the help of a manager immediately. She placed me on hold briefly. Agent XXXX took over the call. I explained to her what was going on and that I needed answers. She began to tell me that there must be an issue with the phone systems and the IT department should be notified. She begins to put together a story in the company 's favor. But, she kept changing the information. First, she said, I was credited for 1 payment on XX/XX/XXXX and another on the XX/XX/XXXX. Then she said I was credited for 2 payments on the XX/XX/XXXX but 10 minutes later in the conversation, she said my payment was returned to the bank on XX/XX/XXXX and XX/XX/XXXX. But I pulled up my bank statements and it indicates Flagship took the money. Then she said that the statement dated XX/XX/XXXX, I had was not possible because it says I owed {$0.00} when I have it in my possession. She also claims there was no record of my phone call in XX/XX/XXXX. She said she would request an audit of my account and get back to me. The is tasked with providing accurate information down to the penny and they are failing and should be investigated.
Consumer complaint received 2017-10-05
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. (TX)

I requested to have the XXXX XXXX XXXX trade removed from all CRAs. 

XXXX XXXX XXXX, XXXX XXXX, XXXX, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

I have received no documentation with my signature that this is my account. Violates my rights under FCRA. Please remove this fraudulent trade from all CRAs.
Consumer complaint received 2017-10-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: First Data Corporation (LA)

I wrote a check at XXXX number XXXX they scanned it thru tele check electronic then keep the check and sent it to the bank so the check got paid twice my bank has sent prof to tele check that it was paid to XXXX but tele check keeps sending me papers saying I still owe them. this has been since XX/XX/XXXX and here it is XX/XX/XXXX and they still are bugging me for payment {$49.00}
Consumer complaint received 2018-03-06
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: CORELOGIC INC (KY)

Contacted company but no answers. This same creditor pulled credit check on two dates. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dates : XX/XX/XXXX XX/XX/XXXX I do not recognize this company and have no knowledge of giving permission to pull my credit.
Consumer complaint received 2018-08-17
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. (CA)

On XX/XX/18, I received an email from Navient claiming I had a total amount due of {$400.00} on XX/XX/18 even though the company previously had emailed me a statement claiming that I had a total amount due of {$210.00} on XX/XX/18. The amount is supposed to be an income-driven payment. Meanwhile, I have made additional payments that are not being credited to the amount due. I sent an online complaint to the Navient Customer Advocate on XX/XX/18 and later received a voice mail at a time of day when I was

XXXX XXXX and could not call back. Since then, I still have not received written correspondence from Navient. Also, an earlier complaint I submitted to CFPB regarding the repeated inability to sign in to Navient 's Web site still has not been resolved. Thank you.