davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

Around XX/XX/18 I applied for a fha mortgage through quicken loans. After uploading paystubs and a2 's and having a phone conversation with a XXXX XXXX i was given a pre approval. I was then asked to write a letter of explanation as to what happened to the house that it's listed in my bankruptcy case. It was explained that the house was foreclosed. At no point did anyone from quicken loans ask when it was foreclosed. After I found a house, signed a contract to purchased the house, paid {$300.00} for a inspection and gave quicken loans {$500.00} to be used for appraisal was i then told two days later on XX/XX/18 that I was denied because my foreclosure was not three years old. I was told no appraisal had been ordered so i would be getting my money refunded. On that same day XX/XX/XXXX a appraisal was done on the property. At this point I am out {$800.00} for a mortgage that I never should have been pre approved for. They knew I was applying for a fha mortgage, they knew I had a foreclosure and they knew the waiting period for a fha mortgage after foreclosure is three years, yet they didn't ask when the foreclosure took place.
Consumer complaint received 2018-02-28
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kinum, Inc., Indianapolis, IN Branch (IN)

XXXX XXXX from Kinum Incorporated has been repeatedly calling me at work and announcing herself to reception and then to my boss as debt collector in an attempt to shame me. I called her back today and told her I would be able to pay the debt in two weeks but not today and she was abusive and hostile ending the call by screaming " sure you will lady! '' and then hanging up. My husband called back to speak to XXXX XXXX but she refused to speak to him to resolve the situation. I am humiliated and will not tolerate this harrasment. Please help me resolve this issue.
Consumer complaint received 2018-02-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TN)

Submitted my financials and modification request to Shellpoint mortgage several times. I've retired because of bad health, my interest rate is adjusting out frequently and I'm on a fixed income I don't want to loose my home Shellpoint has been difficult to work with.
Consumer complaint received 2018-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (GA)

I have several negative accounts with this company that are paid in full and closed accounts. 
The account was opened XX/XX/XXXX and has been Paid in full, Closed since XX/XX/XXXX however the credit grantor is refusing to remove the item from my credit report which is reporting negatively. I have disputed this issue several times however no changes have been made by the company. 

The account was opened XX/XX/XXXX and has been paid in full, closed since XX/XX/XXXX however the credit grantor is refusing to remove the item from my credit report which is reporting negatively. I have disputed this issue several times however no changes have been made by the company. 

The account was opened XX/XX/XXXX and has been paid in full, closed since XX/XX/XXXX however the credit grantor is refusing to remove the item from my credit report which is reporting negatively. I have disputed this issue several times however no changes have been made by the company. 

The account was opened XX/XX/XXXX and has been paid in full, closed since XX/XX/XXXX however the credit grantor is refusing to remove the item from my credit report which is reporting negatively. I have disputed this issue several times however no changes have been made by the company.
Consumer complaint received 2017-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

Portfolio Recovery Associates, LLC began calling repeatedly demanding payment for a debt they claim I owe to them. I sent a demand for validation. I requested to see proof of contract between myself and this company. In response they sent information regarding XXXX XXXX. To the best of my knowledge I have not had any relations with XXXX XXXX. I am not sure if Portfolio Recovery Associates, LLC is trying to work with XXXX XXXX or if they are trying to pull a scam on me stating they are part of XXXX XXXX. Either way there is no contract between myself and this company.
Consumer complaint received 2017-07-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (FL)

I became past due on one of my accounts with Comenity. That is when the phone calls began occurring on my cell phone. It got to the point when they were trying to disguise their number and come up restricted. They never once left a message. <P/>On XX/XX/XXXX, they called me at XXXX XXXX., XXXXXXXX XXXX. and then again at XXXX XXXX. I called them back the following day and spoke with XXXX. She told me that as the calls were autodialer/robocalls, there was NOTHING that they could do to control the frequency of the calls. I had called from a line at work. <P/>I just now received a robocall at my place of employment from them, when I never once gave them permission to use that number to reach me. These tactics are a form of harassment. There was dead air and then disconnect. Luckily I was able to retrieve the number and call back to find out that it was Comenity. <P/>Last year, I received an email from a class action suit that I was going to be receiving portions of this suit due to illegal activities 9f their Account Assure practices. Instead of mailing me the check, the put the balance of what was owed  to me towards a legally settled account that was closed a year prior. <P/>I definitely think that the FTC needs to seriously monitor this credit company and all their activities.
Consumer complaint received 2018-02-28
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Principal Group, LLC (CA)

Today, XX/XX/XXXX I received a call left on my voicemail from a XXXX with the NP Group stating using location services to locate a XXXX XXXX XXXX and will start contacting people on reference file to locate me. I have received numerous calls regarding this from this company. Today, XX/XX/XXXX I called the number left on the recorder back at XXXX and spoke to a female that had information on me, I had not provided stating, I took a loan with XXXX in XXXX and was deposited in a XXXX XXXX XXXX and stated notes state, I had financial hardships on the account. To this day, I am experiencing financial hardships, currently not working and on Food Stamps and State assistance in the State of California. This company even contacted and harrassed my sister calling her on her cell phone numerous times trying to locate me. Note my sister has never been associated with any loan documents ever. Note, my car was broken into and all my records regarding this loan where stolen in the car theft. I have a police report to show proof. I feel National Principal Group is a predatory Bill Collection company that uses scare tactics and intimidation techniques to scare people into settling debt. This company needs to be educated in the Fair Debt Collection practices in the United States and these rogue collectors need to be reeducated.
Consumer complaint received 2018-02-28
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. (FL)

After reviewing my 3 credit reports I found several inaccuracies. I decided to write a letter of dispute to them all. Initially XX/XX/XXXX ( this is the date that the letter was delivered to EquifaxXXXX ) was the first letter of dispute that I mailed disputing hard inquiries showing on my credit report. They came back explaining to me " how '' queries are inquired. I then sent a second letter of dispute for the same which was delivered to them on XX/XX/XXXX and again I received the same reply from them. Not sure what else I can do to get these inaccurate queries off of my report as they are hindering my status. Please advise /assist. 

Thanks.
Consumer complaint received 2020-02-29
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Veripro Solutions Inc. (TN)

In 2013 I was told by XXXX XXXX XXXX that my second mortgage debt would be cancelled after my loan was modified. XXXX XXXX XXXX then transferred servicing of my mortgage to XXXX. XXXX did not complete my mortgage modification agreement with XXXX XXXX XXXX. XXXX charged off the second mortgage. XXXX owned company Veripro is now attempting to collect the charged off mortgage. 
First, the mortgage should have been cancelled and not transferred from XXXX XXXX XXXX. 
Second, I have communicated with both Veripro and XXXX that I do not agree to the debt they claim is owed. I have requested an itemized calculation for the said debt and have not received it. Veripro sent me a transaction history and loan documents. They did not provide a break down explanation for the amount they are attempting to collect.
Consumer complaint received 2018-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CT)

On XX/XX/2017 Wells Fargo lowered my credit limit from {$14000.00} to {$750.00} on account ending in XXXX. This 95 % reduction came as complete surprise to me. I suppose that unless this bank is charge 25 % on a balance that don't want to extend available credit. They passed me from one department to the other. No help. After numerous attempts to solve this with the bank, they proceeded to close my account. I can't help but think that this was discriminatory because of my previous inquiries. NO ETHICS! Shame on you Wells Fargo!
Consumer complaint received 2018-02-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (PA)

I close in my home ( XXXX XXXX XXXX, XXXX XXXX Florida XXXX ). 
Attached all documents related to this closing of my home in XX/XX/XXXX. 
I moved many times after I sold the house and somehow I continued paying the bill thinking that I owed them after the closing. I stopped paying the bill as soon as I contacted the Title company and they sent me the copies of the cancel check. I contact Chase in XXXX and sent them all the documents of the closing. I tried to talk to them at that moment but they know how to harass but they never gave me feedback or anything to resolve the situation. Suddenly, they stop harassing and sending letters. I thought that this was resolve until I receive the 1099-C. 
Yesterday, XX/XX/XXXX, I called the phone number that is on the letter received XX/XX/XXXX ph:XXXX x. XXXX XXXX XXXX and sent for the second time all the documents via fax ( XXXX ). Today, I called to follow up and verified that she receive the info. She confirmed receiving the documents and also she sent a dispute notification to research about this claim. She stated that I should call them back in two weeks or so. 

I dont think anyone should go through all this if this was paid off. 
I want to report Chase with address : XXXX XXXX XXXX, XXXX CO XXXX.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

A few months ago, I closed a credit card that had a {$500.00} limit. I wanted to boost my credit score, but even though I paid on time it only improved my score by a few points. Since the card service was charging me a {$35.00} annual fee, I decided to close it. Unfortunately, this move dropped my credit score 29 points! I went from having an average score to poor. I feel like I am being held hostage by my credit score and reporting policies. I feel these scores and practices are designed to keep a person down. Now I will pay more in interest rates if I want to buy a home, a car, or choose to get another credit card. This is very unfair and I don't think I'm the only person who shares my perspective. I shouldn't have to open and juggle several credit cards to have a decent credit score.
Consumer complaint received 2018-02-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I have five loans with Navient ( formally XXXX XXXX ). I wanted to pay more than the minimum payment and apply it to the loan with the highest interest rate, pay it off first. I was told twice by a customer service representative that I was unable to do so I have to pay the oldest loan first ( which has the lowest interest rate ). I accepted this and moved on. I have been researching recently ways to pay down my debt faster and found that I was given false information from my student loan provider. I have extraordinarily high interest rates on these loans. I am not on a payment plan I pay full principle and interest. I simply need to make progress on these high interest rates. The amount that gets applied to my principle keeps decreasing while interest is increasing. I don't agree with this either. I think my payments are being applied incorrectly. I had a loan for {$1500.00} in XX/XX/XXXX and I still owe {$1100.00} I started paying this ins XX/XX/XXXX. By my calculations, this should be paid off in XX/XX/XXXX, but they are stating XX/XX/XXXX. Something isn't right. I am not making any progress on my payments because of the incorrect allocation of payments and the incorrect information I received. 

Also, my payment per month is steadily increasing as well while I am still paying more interest.
Consumer complaint received 2018-02-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (UT)

The Complaint that I am filing is about Shellpoint mortgage and the improper communication and treatment of us during trying to short sell our home which resulted in a foreclusure, and then also incorrectly filing credit information claiming that our account is still open with them to this day, when it was closed a year ago. We originally had our loan through XXXXXXXX XXXX. They sold it to Shellpoint. We tried to short sell our home and they did not tell us that we were not approved for a short sale until we had been trying for two years. We brought multiple offers to them and they failed to communicate with us. When we found out that we didn't qualify for a short sale the only option that was left was for us to foreclose. It took shell point 4 years to foreclose on our home loan. In which time we were just waiting around for it to happen. It finally foreclosed last year in XX/XX/XXXX, at which time the account closed. We found out that they were improperly reporting an account open on our credit last year and complained and called them to resolve it. They said that it was resolved. We checked our credit today XX/XX/XXXX and it says that they are STILL reporting that we have an account open with them that is in default. We talked to a Shellpoint manager and he said that this shouldn't be happening, but that's what they said last time and they never fixed it. Because of the way that this company has failed to perform it has hugely affected my family. The foreclosure should not have taken 4 years. My family is not able to buy a home. We are living in an apartment with XXXX kids now waiting for the foreclosure to go off of our credit and whenever we check the account is still listed as open. This is completely unfair credit reporting. We are perfectly able to buy a home and we would have been able to buy one if it were not for their misreporting and lack of communication. We are not even normally the type of people that default on payments and here we are still in an apartment 5 years later because of what this company has done to us.
Consumer complaint received 2018-02-28
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: RAS LaVrar, LLC (FL)

I met with the attorney at a hearing in XXXX county court, She was very helpful and suggested that I contact her firm to arrange a payment plan on a debt that I owe XXXX, I called RAS Lavrar , LLc XXXX XXXX and spoke to XXXX and after answering all the questions multiple times and not getting any results I asked to speak to a super viser, Had to wait in line for a while, ,Finally XXXX XXXX got on the line and asked me the same questions, I told her that I had all ready gave that information to XXXX, but she insisted and said that if I wanted to speak to her I had to answer all the same questions, Again I felt that this is a tactic they use to intimidate you, Now that I had answer the same repeated questions she hung up on me, She call me on my cellular phone just to check if my phone number was ok, She said that we lost connection ( Liar ) and she started to asked me the same questions once again,, i told her that it wa unprofessional to deal with them and I was going to file a complaint, C'mon this people should not be in business pretending that they are going to help you instead they play with your mind, your time, your integrity, " `To a point that you know that they are not going to help you whats so ever " " " " " " " " " SHAME ON RAS LAVVAR LLC XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX Shame on XXXX and XXXX Sincerely a very disappointed client of XXXXt
Consumer complaint received 2018-02-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc. (FL)

I CALLED IN TO NEGOTIATE A SETTLEMENT THE ENTIRE STAFF IS UNPROFESSIONAL THE FIRST PERSON I SPOKE WITH HAD TO LOOK ME UP BY LAST NAME 3 TIMES CALL TIME ALREADY AT FIVE MINUTES SHE MADE A SMART COMMENT BECAUSE I PHONETICALLY PROVIDED THE SPELLING YET THE OTHER TIMES SHE HAD NOT FOUND IT AND IMMEDIATELY THREATENED THAT SHE WOULD TERMINATE CALL SHE THEN FAILING TO PROVIDE HER NAME AFTER MY REQUEST AS SHE WANTED TO PREVENT HER NAME BEING MENTIONED IN ANY TYPE OF COMPLAINTS SAID SHE WOULD PASS ME TO XXXX IM ASSUMING HER FRIEND IN HOPES THAT XXXX TOO WOULD SHARE IN HER DISDAIN FOR ME I ASKED XXXX FOR THE PREVIOUS REPS NAME AND SHE RFSD TO PROVIDE I TOLD HER THAT THE REP HAD BEEN NASTY TO ME AND SHE THEN HUNG UP I CALLED BACK AND WAS THEN TRANSFERRED TO XXXX WHO IMMEDIATELY HAD A BIASED OPINION BECAUSE OF THE NOTES BY XXXX SHE THEN TOLD ME I WOULD ONLY QUALIFY FOR A 20 % OFF OF THE BALANCE AS A SETTLEMENT. I ADVISED HER THAT THIS RESPONSE WAS ONLY PROVIDED BECAUSE OF MY PREVIOUS CONVERSATION AND THAT THIS WAS DISCRIMINATORY IN NATURE SHE THEN SAID IF I PAID THE SETTLEMENT SHE WOULD NOT REMOVE THIS ITEM FROM MY CREDIT AT THAT POINT SHE HAD BROKEN THE FDCPA AND I ADVISED HER THAT SHE WAS TREADING DOWN A SLIPPERY SLOPE AS I AM AN INFORMED CONSUMER AND THEN SHE SAID I CAN NO LONGER HAVE A SETTLEMENT AND I COULD NO LONGER PAY AND THIS WOULD REMAIN ON MY CREDIT FOREVER AND TERMINATED THE CALL YET AGAIN. I AM MAKING THIS COMPLAINT AS THIS ILLEGAL ACT AND PREVENTION OF ME REMOVING THIS FROM MY CREDIT SHOULD BE PUBLIC KNOWLEDGE AND THE LEADERSHIP TEAM OF THIS COMPANY SHOULD BE AWARE OF THE ILLEGAL VERBIAGE IN THE USE OF THEIR COLLECTORS AS WELL AS THE FACT LETS FACE IT THEY REFUSED THE MONEY ISNT THAT THE SOLE PURPOSE OF A COLLECTION AGENCY I HOPE THAT CREDITORS THINKING OF PLACING THEIR BUSINESS WITH THIS COMPANY WILL SEE THIS COMPLAINT AND THINK TWICE I WILL ALSO BE FILING COMPLAINTS WILL THE OTHER AGENCIES PROTECTING MY RIGHTS IE ATTORNEY GENERAL AND CFPB
Consumer complaint received 2018-02-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OK)

I have been notified by the Oklahoma tax commission on XX/XX/XXXX that our property taxes have not been paid. I called Loan Care XXXX our mortgage provider of the discrepancy on XX/XX/XXXX. We have all of our escrow up to date and paid with our payments. They stated on XX/XX/XXXX they tried to pay but the parcel wasn't in our name. They assured me they would handle it. I reached out to the Tax commission office and Loan Care had requested the tax letter at the beginning of XXXX which was mailed to them on XX/XX/XXXX. I have since called ( greater of four times ) and submitted the letter to Loan Care with no resolution. I know have received a letter from Oklahoma Tax commission office stating we would have a tax lien placed on our home if taxes are not paid in full by XX/XX/XXXX. When you contact customer service they typically make you wait long periods before answering. I have waited hours on the call back system they have in place. When I asked for a direct line I was told there wasn't want to give. When I called today I was placed on the phone with a supervisor who left her contact information and guaranteed a resolution in 48 hrs. XXXX XXXX XXXX XXXX. This is the second time I've been told 48hrs to resolve.