davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, XXXX, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX
Consumer complaint received 2019-04-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (IL)

We bought our home in XXXX XXXX was are mortgage company. Through the years from XXXX and XXXX, are mortgage jumped to XXXX, XXXX   XXXX XXXX, XXXX, XXXX, XXXX, Greentree, XXXX XXXX and everyhome now Ditech. We were never told about our mortgage being sold. Ditech is forclosing on us with a note dated from XXXX XXXX. There documents say they received our loan from XXXX in XXXX.but we were paying Greentree since XXXX. Because everhome sold our loan to them. That's the only time we got notice sale of our mortgage. We can never get anyone on the phone to discuss our loan. We had to use are son 's phone because it had a different phone number and immediately someone answered. But didn't show us having an account with them. So she transferred me. And was left on hold for an hour and 45 minutes. Just hung up. They say we can modify but keep saying there missing things. Now we're a little over a year of them refusing to except payments and not answering the phone. Also kept sending everything they asked for but keep getting letters and statements with different amounts owed. Or items missing. Horrible to drag customer 's along the longest they can, and cause them to get father behind when we could have payed our mortgage 4 months after the missed payments. There customer service knows nothing and you never talk to a representative. Something needs to be done.
Consumer complaint received 2020-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AL)

Mortgage was paid off on XX/XX/2020. As of this date, Loancare has not sent the lien release to the County probate office for recording. Alabama statute requires the lien release be sent within 30 days after payoff. I have contacted Loancare 3 times to get a status but every time I called, I was given a different answer. Twice, I was placed on hold for over 10 minutes then cutoff.
Consumer complaint received 2020-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (FL)

my mortgage is through Guaranteed Rate. InXX/XX/XXXX, I was contacted by one of their brokers and I told him I needed to get rid of my PMI. He told me the process was first to attempt to refinance. If that did not work then they would drop the PMI. Rate immediately requested a {$500.00} payment from me for the appraisal and I paid it. The appraisal was returned with {$160000.00} increase of value. After two months of back and forth with the broker, I was told that the refinance would not be processed. The broker abandoned me and told me that to drop the PMI, I needed to contact customer service. I contacted customer service in XXXX and they required a hard copy application that was mailed to me. I returned the application to Guaranteed Rate with a copy of the appraisal provided by Guaranteed Rate and dated XX/XX/2020. With no response from the Guaranteed Rate PMI department, I have been forced to contact customer service multiple times over the last 12 weeks and have no resolution. They will not allow me to talk to anyone in the PMI department and continue to tell me that I should have an answer in 2 weeks. This has been happening for months now with no resolution and I continue to pay Mortgage Insurance on a property with a 65 % LTV.
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AES/PHEAA (VA)

I have two student loan accounts open with Fed Loan Servicing in XXXX, PA. The problem at hand occurred in XX/XX/XXXX - XX/XX/XXXX. I had graduated from my university and no longer had access to my .XXXX  email account. For some reason, Fed Loan Servicing was only sending my bill to the .XXXX  email address, even though they had my mailing address AND personal email address on file. I didn't notice until XXXX of XXXX that my account was overdue and marked delinquent from no payments from XX/XX/XXXX until XX/XX/XXXX, for 2 accounts, which would equal 16 late payments in total. Upon contacting Fed Loan Servicing, they provided me no resolution and told me nothing could be done except for me paying the overdue accounts, which I did immediately. This practice is extremely unfair and has brought down my credit score significantly, for a problem with this Federal Servicing agency, that is taking advantage of students by not communicating or providing notification through the proper channels for payment and billing. The fact that it took me 6 months to realize my account was overdue by pulling my credit is very alarming. I could only imagine how many others have faced similar problems with this agency. I have started formal disputes with credit score agencies as well, but have received no resolution on these matter as my credit still stands and these late payments will tarnish my credit score for long-term and prevent me from buying a home. I am not receiving and help or solutions from this Federal Loan Servicing department, nor the major credit unions on my dispute to get my credit score fixed so i can move forward. I could even pay off all the accounts in full today, so it's unfortunate that I have to suffer because of a systemic issue of this Federal student loan agency from years ago that made a big mistake and refuses to take the action necessary to make it right for someone to move on in their future and purchase a home.
Consumer complaint received 2019-04-24
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: EQUIFAX, INC. (LA)

Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2018-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have no knowledge of this debt. 
I'm requesting for a debt validation of this debt or delete the negative report off my credit. 
As FDCPA you must provide phisical proof of this debt such as : original document with my signature on it, any and all cansel check, contractual agreement that you have the right to collect this debt, etc ...
Consumer complaint received 2019-04-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CT)

After filing complaint XXXX with the CFPB on XX/XX/2019 ( and a duplicate complaint to a different company listing for " Wells Fargo Home Mortgage '' on XX/XX/2019 ), I have received numerous telephone messages from the " Wells Fargo Division of the XXXX XXXX XXXX '' informing me that they are actively " working to address '' my mortgage complaint. 

Although the voicemail messages sound authentic, I don't believe the CFPB ( or any government agency ) maintains a " Wells Fargo Division '' at this time.
Consumer complaint received 2021-11-23
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. (GA)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2020-11-18
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: EQUIFAX, INC. (CA)

I have been trying to work with the 3 credit agencies for 7 months to fix the balances of my mortgage.The credit agencies still reporting XXXX when I only owe XXXX. 
I also try to contact XXXX XXXX numerous times.The 3 credit bureaus and XXXX XXXX XXXX XXXX keeps ignoring my request for last 7 months.
Consumer complaint received 2017-11-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (IL)

I am looking to pay back the original loan amount that I took out to attend XXXX  school ( {$170000.00} ). I have paid {$36000.00} over the past 4 years and the loans continue to increase every month. Again I have a lender that is willing to pay the {$170000.00} for me right now but I need help in making this happen. The interest rate they are offering me is extremely low and will help both my family and I. The loan company has made {$36000.00} from me in the interest I have paid them. I am currently on the IBR plan which takes 15 % of my income for my payment. If I were to lose my job they would n't receive any money at all. It just really seems criminal that the government can continue to take money from people and the balance continues to increase!
Consumer complaint received 2017-11-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery, had repeatedly ignored my requests for proof that this debt is mine. Ounce sent them certified letters asking them to provide proof with no success. Now they 've logged a collection on my credit report. I am very upset and an considering legal action.
Consumer complaint received 2020-11-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

I am writing to contest the additional fees ( {$1500.00} ) being charged by QLMS for my refinance. I feel QLMS totally dropped the ball on this and purposely delayed the closing of this loan to nickel and dime me at the last minute and put me in a corner. 

I reviewed and approved the Closing Disclosure Package ( attached ) sent out on XX/XX/XXXX and was expecting to have this wrapped up shortly thereafter. I was then notified there was an issue regarding a lien that did not even exist as of XX/XX/XXXX as notated in the attached document provided by XXXX XXXX. There was a week of back and forth from QLMS about an issue that was not even real or true. They said they could not close the refi until the issue was resolved which there was no issue to resolve. QLMS clearly dropped the ball on this issue as they received these documents and confirmation directly from the title company and it had nothing to do with me. I was expecting to close on XX/XX/XXXX with funding on XX/XX/XXXX as notated on the closing disclosure provided by QLMS which I reviewed and approved on XX/XX/XXXX. There were some delays, which were of no fault of mine, and then I was told on XX/XX/XXXX that QLMS did not have the correct Payoff Statement from my current lender. Again, no fault of my own and clearly QLMS dropped the ball on this. Now QLMS is trying to charge me, XXXX {$1500.00} XXXX as noted on the attached Redisclosure Package XXXX XX/XX/XXXX XXXX, for their mistakes and lack of professionalism. This totally unacceptable and clearly part of their process in hopes of cheating potential clients for a few dollars more. I feel they are in violation of the law with these bait and switch tactics. 

In addition, I was told to not make my payment to my current lender since funding was supposed to be on XX/XX/XXXX. Now, it is XX/XX/XXXX and QLMS is no where near completing this refi and I am now late for my XXXX payment. I will have an additional expense because of the late payment which again was no fault of my own. I am extremely frustrated and unhappy about the way I am being treated and the way QLMS does business. 

I expect QLMS to honor the totals on the attached Closing Disclosure ( XX/XX/XXXX ), as required by law, and to close this loan ASAP! Again, the delays were of no fault of mine and therefore I should not be penalized. 

Please confirm receipt of this email and let me know if the only option is to cancel this refi as I am not willing to pay for the mistakes made by Quicken Loans.
Consumer complaint received 2020-10-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/20 I transferred {$1000.00} from my PayPal account to my son 's PayPal account.

When my son tried to access the money in his PayPal account he was unable to.

We contacted PayPal resolution and they said that they flagged this transaction as suspicious and froze the money in his account.

They said that it looked to them that I was buying something from him but they was no merchandise delivered. Also because I transferred {$1000.00} to his account and they saw it as a transaction, he only received {$970.00} in his account ( 3 % plus 30 cents deducted ).

Although I've had a PayPal account for many years, this is the first time I attempted to transfer money with it. I typically only use this service to buy merchandise online.
Maybe I made a mistake by the way I transferred the money?

Anyway, the money has been frozen and although I've explained this to PayPal multiple times they refuse to unfreeze the money.
Consumer complaint received 2020-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NY)

FREE MSG FRM : CHASE BANK This is a secure message FRM Chase, We detected unusual activities on your online banking, someone may be attempting to access your Chase account. For security reasons, we have temporarily LOCKED your account. 
Note : Please state correct information of your Chase account to allow us confirm and protect your account, kindly visit the link below to Recover your account straightaway https : //drrosinaparker.com/Chase.com-Support-MyAccount-Recovery/ Thank you for choosing Chase. Do Not Reply To This Message.
Consumer complaint received 2020-06-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: DHI Mortgage Company (AL)

We started our VA loan mortgage with DHI Mortgage due to buying a home through DR Horton and in order to get " incentives '' offered by the builder ( i.e. money towards closing costs, home upgrades, etc. ). We have had nothing but problems with both DR Horton and their mortgage company DHI Mortgage ( who originated our loan under the guise of " you have to use DHI Mortgage to get all these wonderful incentives '' ) since buying our home in XXXX last year. We received a notice from the mortgage company that bought out our loan from DHI, stating that our escrow account was UNDER FUNDED the entire first year of us living here and because of that, our house payment would be increasing by {$320.00} a month!!! That is outrageous!! After calling around and doing the research, it came to light that the " escrowed property costs over year 1 '' on our original loan paperwork and the amount on the property tax assessment record they provided at closing were 2 different amounts. When I called the XXXX County property tax office they told me that our mortgage originator and our closing attorneys were legally responsible for making sure our escrow account had enough to cover those property taxes since an escrow account is the account your mortgage company uses to pay your property taxes and homeowner 's insurance. I tried to call every number I had, or could find online, for DHI Mortgage, all of which are a " number that is not in service ''. I called the closing attorney, and they told me the same thing the property tax office did. The closing attorney wrote us a check for the prorated tax amount we never received from the builder. They also told us that we should not have been able to close because the amounts did not match. After still not being able to reach DHI Mortgage, we decided to drive up there on our lunch break today, XX/XX/20, and speak to someone face to face. We spoke with XXXX XXXX, and he openly admitted that DHI Mortgage was instructed by DR Horton, quite a few years ago, to base all loan paperwork 's " escrowed property costs '' on a class 3 homestead property exemption which is literally HALF of what it is supposed to be when buying from a home builder. If a property is still under the ownership of a home builder, it is LEGALLY required to be taxed based on a class 2 non-exempt property. Meaning that EVERYONE that has bought from DR Horton was supposed to have a significant house payment DECREASE after year 1.
Consumer complaint received 2020-11-01
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. (GA)

Marked as evidence in my attachments, you can see the malice intent by Equifax by going in to my XXXX Credit Report and Opening up the Accounts, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  and XXXX. Now these XXXX with malice intent [ OPEN ] these accounts after, TradeLine, Creditors, Charged off and CLOSED these accounts here listed above. See this criminal XXXX move by Opening these XXXX ( increases ) my XXXX DTI, debt-to-income Ratios, check out XXXX  attachments, over $ 7,700.0monthly
Consumer complaint received 2020-10-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: MECHANICS BANK (CA)

Before I filed bankruptcy in XXXX, I called Rabobank ( name at the time ) now has changed to Mechanics Bank accounts department, to let them know I was filing bankruptcy. At the time I had a credit line overdraft on my checking account which I owed around {$500.00}, never paid late always on time. I asked them what was going to happen with the credit line would I loose it with filing bankruptcy they indicated that I wouldnt loose because it was a part of my checking account. I then never added it to my bankruptcy which discharged in XXXX. I had no problem after paying on overdraft and it still remained open then in XXXX I got a letter in mail from Rabobank at the time telling me they closed my overdraft and said it is a account added it to right then in XXXX to my bankruptcy. I went in to bank and called several times talking to managers and account specialists trying for them to tell me how they can add my overdraft account to a already XXXX discharged bankruptcy for which was not a added account to it and they couldnt give me any answer. Then I asked for them If I could apply for another overdraft Account and told me they couldnt and the old overdraft that still had a balance on for which I was still paying down at the time payments couldnt be reversed, 4 years Ive been dealing with this and now still in XX/XX/XXXX it shows it was a late payment which I was never late and a hard inquiry for some reason. Please if you can figure this one out on how a bank can add my overdraft account to a already discharged bankruptcy after the fact and I didnt add this account to it at time of filing is my question?
Consumer complaint received 2020-10-24
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. (MO)

On XX/XX/2020, and XX/XX/2020, I wrote to XXXX, XXXX  and Equifax requesting an investigation into items that I believed were Inaccurate .To date, I have not received a reply from any bureau or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information.

I was a victim of identify theft years ago and have documentation from the IRS to prove so.

It has been more than 90 days since I have reached out to fix this situation.