davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: GUARANTEED RATE INC. (MA)

My loan was originated under XXXX XXXX who I believe worked for both Mortgage Electronic Registration Systems , Inc. ( MERS_ as Mortgagee , MERS is the nominee for Lender and the mortgage  loan originators post office address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX and license number is XXXX. I was approved for a FHA loan with an adjustable rate mortgage. I used an attorney provided by XXXX XXXX, Guaranteed Rate or MERS, it was very unclear to me. The loan was originated under XXXX XXXX instead of XXXX XXXX XXXX in order for the investors or holders of the loan to avoid tax liability in the event they had to foreclose on the property. Additionally, I believe they are defrauding the US government by double dipping with loan write offs post foreclosure. In my case that sum was greater than 80K USD. Additionally, I was informed the loan was not tied to my SSN which is why I am still liable for the tax liens. If you read the XXXX XXXX XXXX agreement it seems very clear to me as a consumer they were responsible for the taxes. Please review all of the attached documents. I also submitted my complaint to the FBI, and have started to send the information out to private attorneys. I would think a FHA loan would have been tied to my SSN as the loan appeared on my credit report. I also notified XXXX XXXX who I had been making payments to that I needed help. I applied for a loan modification and was denied under the basis of the loan not being 12 months old. It's my understanding after briefly doing research the 12 month period is invalid and I should have been awarded a loan modification which would have prevented me from losing my home. I have been homeless since the foreclosure and have suffered emotional distress, damages, and have lost time which is of course the most valuable resource. I'd also like to point out I've never been married, and was hospitalized during the notices. I used an attorney provided by the loan originators and used my passport and license which state XXXX XXXX XXXX & XXXX XXXX XXXX. I followed what I was told by the attorney present who should have been looking out for my best interest as the consumer rather than the banks. I can prove they have done this on a broad scale. 

It's incredibly important to review the phone calls on XX/XX/2019 and XX/XX/2019 with XXXX XXXX an executive resolution specialist for  XXXX XXXX home mortgage and myself.
Consumer complaint received 2021-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (TX)

XXXX XXXX  XXXX XXXX re-opened an account under my name. This time it was opened with Creditor : LVNV FUNDING LLC. This was supposed to be expunged after 7 years and it has been that amount of time. But it was re-opened. That is not fair, i am never going to get this off my record. Please look into this, i don't want this on my record another 7 years.
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (GA)

My XXXX year old son was given a vanilla gift card for his birthday. There was a XXXX charge on the card that he didn't authorize. He said a game XXXX XXXX he tried to download and it asked for the card number but said there would be no charge. It did charge him. I called the company twice to initiate a dispute but the phone kept hanging up. I went on their website and there was nothing in regards to a dispute process. Almost like they don't want anyone to know how to dispute. I need this issue rectified immediately please. I want the XXXX transaction disputed and refunded back to the card number XXXX XX/XX/27 XXXX.
Consumer complaint received 2019-11-13
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: NATIONS LENDING CORPORATION (CT)

Hello, I received a call from a man that stated that he worked for nations lending stated that he received my inquiry online for looking into the FHA loan I advised that I spoke with another company and was advised that I would need to save about {$7000.00} before moving forward the gentleman asked me if he explained to me what I needed to do and I advised yes he asked if we talked about my credit score I advised yes that my credit was around 620 he said oh okay so the credit is not the problem thats when he told me that they will be getting a program called the down payment assistance program and that he would just take my information for now and add it to the speared sheet that he has with everyone else information he stated that this program is for people that has the credit but just need help with the down payment I said okay, the gentleman NEVER stated that he would be running my credit we never talked about him running my credit, the next day I received an email telling me that this company had ran my credit, I tried to contact the man several times and never once called me back, I then reached out to the better business bureau where they sent me an email stating that they will have the company contact me on XX/XX/12 I received a call from a man named XXXX he stated he reps the company there would an investigation and would get back to me that it would take 48 hrs I then received another notification from credit karma telling me that my credit score dropped this man took my information and used it without my permission or knowledge.
Consumer complaint received 2018-08-10
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. (NY)

Several months ago I called in to customer service and inquired as to how to aquire a payoff letter for the purposes of loan consolidation. 

I was directed to the website and directed by XXXX customer service how to access this information. The payoff letter that was generated is attached to this correspondence. 

After submitting this attachment to XXXX, my consolidation bank, a check was then sent with pay off instructions with my consent to close the account Iafter completion of the payoff transaction. 

One week ago, I was checking my credit report and realized that XXXX put a 60 day past due notice on my previously closed account. Completely confused, I called XXXX customer service to get answers. 

Upon gathering more information the customer service agent, I realized that XXXX previous agent MISADVISED me and did not give me the correct payout information. 

I did not receive any corresposnce from XXXX as to say that my loan was in default and that the process of loan consolidation was incomplete. 

I immediately paid off the past due amount. 

I am asking XXXX to please remove the any delinquencies associated with this account from the three major credit bureaus and bring this account back in good standing. 

I now have to redo my consolidation loan because of this error so Im also asking XXXX to please email me the corrected payout letter for this purpose.
Consumer complaint received 2018-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MT)

I Have Sent Them Several Letters Asking Them To Remove Incorrect Personal ( Incorrect Previous Address ) Information That They Put On My Credit Report.This Started After The XXXX  " Breach. " They Refuse To Give Me A Copy Of My Credit Report Claiming, All Of A Sudden After Years Of Receiving My Credit Reorts With Zero Problems That They Can't Verify My Identity.I Have Sent Several Pieces Of Information To Prove My Identity Including My Driver 's License And They Still Refuse To Give Me My Report Or Correct The False Information.
Consumer complaint received 2018-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

Hi We are attempting to re-amortize our loan w/XXXX XXXX XXXX. 
We sent in an electronic funds transfer to them in mid-XXXX for approx. $ 250k. We never received confirmation from them that they got the money. WE called a few days later to confirm the money was received. They original said they can't find it but then later found it. It's now been almost 2 months and our loan is still not re-amortized and my husband and I aren't even sure we know where the money is anymore. We attempt to contact them and they just tell us we will get something in the mail or we will get an email however none of this has happened. 
I know $ XXXX might not seem like much money to XXXX however it's a great deal of money for us. In the meantime, we have not made a mortgage payment as we assumed the re-amortization would have been completed by now as everything has been completed via electronic transfer. XXXX is not being up front, they are using our money to gain their own interest off it and not properly applying it to our loan as promised.
Consumer complaint received 2018-06-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I was involved in a boating accident on XX/XX/2018. The boat sank and I very nearly drowned. The severity of the acciddently should have killed me instantly, but I miraculously survived despite incurring severe mental and physical trauma. Since then I have been in hospitals undergoing procedures and treatments ranging from physical injuries to XXXX XXXX XXXX XXXX. During this time I was physically and mentally unable to tend to my finances, so all deposits went to my XXXX checking account and all withdrawals came out of my bank of America checking account which overdrew the bofa account many times over accruing nearly {$400.00} in overdraft fees. 

I spoke to three levels of supervisors for nearly 2 hours explaining my situation, transferred enough funds to bofa to cover the overdraft, but the bank will only waive {$140.00} fees, and they have held my deposit as pending for several days causing even more overdraft fees to occur. These people are in human, I nearly died ... .and they are penalizing me for it. Please help, my medical expenses are continuing and I can not pay these penalties.
Consumer complaint received 2018-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

I sent a letter to XXXX XXXX requesting that they validate, NOT verify a debt that they are attempting to collect from me. I asked for a signed agreement or other supporting document with my signature. They provided a billing statement which does not prove that I am obligated to pay them. A billing statement is not a validation. They have reported delinquent information to the credit bureaus that I am asking to be deleted. 
I have never done business with the company XXXX XXXX and have no contract.
Consumer complaint received 2018-08-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (UT)

I have been receiving calls from this company, I did not know who was calling me because everytime they call no one answers. I called them back and talked with some lady, and still didnt know who they were, she said it to fast and unclear. I just told her someone keeps calling my number, but don't say a word, I would like them to stop, she said ok and will have it stopped. On Thursday they called me again twice and both times would not answer me when I said hello ... this harassment has happened before. Including XX/XX/2018 XXXX XXXX and XXXX XXXX  And XX/XX/2018 XXXX XXXX and XX/XX/2018 XXXX XXXX and XXXX XXXX
Consumer complaint received 2018-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

On XX/XX/2018 ; I made a {$600.00} cash deposit at my neighbors US Bank. After taking the money, the ATM displayed a message and gave me a printed receipt stating it encountered an error and can not deposit or return my money. It say I should call the XXXX # on the receipt.

I called the number straightaway and I was told it issue should correct itself within 24 hours.

I have check or call back everyday since and the issue has not been resolved. I went into the branch and was told there is nothing they can do until the ATM is fixed. It has been 5 days and I still dont have my money.
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (IL)

I have a hard inquiry on my account from XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX I never applied for anything. I have contacted the credit reporting agency and they said they can't help with hard inquiries or dispute them. I contacted the company and they said I have to fax a document, which I did but then they can't verify to me that they received the fax or provide me with a number to that direct department.
Consumer complaint received 2023-10-20
Product: Credit reporting 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)

I am writing to dispute the presence of some hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. Inquiry Details : -- XXXX -- XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX -- EQUIFAX -- XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

There are multiple charge offs reporting and that is illegal to do because charge offs are considered cancelled debt and according to the IRS cancelled debt is considered income, income can not be reported in a consumer report. The documents I attached is a screenshot of the IRS indicating about cancelled debt and how its income and the 3 consumer reporting agencies reporting the charge off also stated the law USC 1681. I never authorized the bureaus to report this and this is defamation.

I can ligate the bureaus for defamation because they're reporting information that they are not supposed to which will damage me financially and emotionally.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am filing this complaint to PORTFOLIO RC for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SECURITY FINANCE CORP (GA)

FCRA section 604 ( f ) provides that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification. 

I am requesting the General or specific certification that was sent to the consumer reporting Agencies! This request is being made pursuant rule 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses. 

Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. 

These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. I have been denied new credit, I have been denied increases in lines of credit because of your willful violation of the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].
Consumer complaint received 2018-06-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation (AZ)

I have taken out loans through Rosebud Lending ( d.b.a. XXXX  ) in the past but I was unaware these loans are illegal in my state of Arizona where I am located. The interest on my loan is more than 500 %. I have already repaid the initial balance and interest ( more than 130 % of the original balance within 2 months ). I would like this loan to be voided since it is illegal in my state. I am not, at this time, seeking a repayment of the thousands of dollars I have already repaid under previous illegal loans.
Consumer complaint received 2017-11-02
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: Experian Information Solutions Inc. (IL)

I sent three letters to Experian, XXXX, and XXXX ( one in XX/XX/XXXX and over 30 days later in XX/XX/XXXX ) asking that they  investigate fraudulent accounts on my credit report ... .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account ... .I demanded Experian, XXXX , and XXXX to show me Verifiable proof ( an original Consumer contract with my signature on it ). Under the FCRA, unverified accounts must be removed ... Experian, XXXX, and XXXX acts like they do n't understand my request and then they act like it was investigated and proved. But they have not shown me proof nor have they explained to me their investigation process. Additionally, they have not deleted the fraudulent accounts that I have disputed ... ..Please help. They continue to report a debt that has not been verified nor validated ... ..It is unacceptable that they can treat American consumers this way ... They continue to break the law..
Consumer complaint received 2018-08-10
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: Nelnet, Inc. (CA)

On XX/XX/18, spoke with XXXX about a complaint with the Department of Education. HIs phone number XXXX, Ext XXXX. He called me and left a message. I called him back and we discussed customer service issues that he says he was going to report. I was concerned about my credit bureau reports and he assured me that they were reported to all credit bureaus XX/XX/2018. So I called XXXX twice on this XX/XX/2018 and they say they have received no information from Nelnet on my student loan payment. I called XXXX but was given the wrong information. I left XXXX a message on XX/XX/18 about XXXX. He called me back on XX/XX/2018 and is adamant that everything has been reported to the Credit Bureaus on XX/XX/2018. I asked him his tile and he told me he was a Senior Resolution Specialist. I asked him his last name which he informs me he doesn't have to provide but gives me the initial XXXX  for the last name. On his voice mail it sounds like XXXX, though I could be wrong he had told me previously he was from Nebraska which I'm guessing from my credit report the city is XXXX. I tell him I'm going to have to make some complaints and that we were done. I called XXXX  and XXXX  again on XX/XX/2018. I am told the last payment was XX/XX/2018. I call XXXX  and they show the payments from Nelnet for XX/XX/2018. I call the Department of Education to make another complaint because he won't believe XXXX  and XXXX have received anything from Nelnet. The Department informs me that he says information reported to credit bureaus was XX/XX/2018, which is the complete opposite of what he told me on XX/XX/2018, which was XX/XX/18 which they report the last day of every month. I told the Department of Education that Nelnet did not report to XXXX and XXXX and they say maybe it can be reported again by Nelnet. This is Nelnet 's choices, call XXXX and XXXX to verify they have not received the information of payments from Nelnet as of XX/XX/2018. Under the Fair Credit Reporting Act XXXX  and XXXX are regulated by the Federal Trade Commission.As soon as the credit bureaus receive information from Nelnet they put it in my credit report. I will not wait the 60 days for you reply to the CFPB and I will be taking you to court if my XXXX and XXXX are not updated immediately. XXXX XXXX, Senior Resolution Specialist. Everything has been opened up in my area with no further fire. Your looking at a screen that tells you it's been reported by one of your employees. Well guess what it hasn't been. I will be vigilant in my effort to make sure Nelnet properly reports to the credit bureaus. I know how the CFPB works and I will not be intimated by Nelnet.
Consumer complaint received 2017-12-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

XXXX # XXXX XXXX. XXXX XXXX XX/XX/XXXX OnXX/XX/XXXX chase given me a totally different answer then complaint XXXX of XXXX XXXX role. Only XXXX XXXX can answer this question. 

Produce documentation and prove up with paperwork that XXXX XXXX   legally invested in my loan loan XXXX without my knowledge and while chase was my servicer?