davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

The loan was originated at XXXX and then XXXX then sold to Specialized Loan Servicing. The original loan doesn't call for a loan payoff quote fee, however when I applied for a refinance with another lender a loan pay off fee was charged to my XXXX statement of {$25.00}. I called Specialized Loan Servicing company and I got a very rude CSR who told me they can charge me anything they want to charge me and I have to pay it. I was told as my loan was purchased that old loan contract is no longer governed. I asked for a supervisor and was denied to speak to anyone else. 
I feel this company is cheating people and charging fees they should not be allowed to charge or at least are not allowed by the constraints of the original contracts they purchased. 
I wonder how many people have been cheated like this by this company?
Consumer complaint received 2021-02-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio recovery associates, LLC just won a lawsuit for {$8900.00} XXXX XXXX XXXX 2021 ) against me to continue to attempt to collect from an old credit card bill. I now am orders by a judge to complete form XXXX XXXX fact information sheet ) this sheet asks for car titles, account numbers, deeds etc ... so Im assuming they are going to physically start taking what little I have left in the middle of a world wide pandemic. We are a family of XXXX XXXX XXXX children XXXX. This organization ( CFPB ) says its protects consumers from unfair and abusive tactics. Cause that is exactly how I feel. I dont recall my second court date and I think I missed a court date based on what my current court documents says. I did not have legal representation and was in way over my head on the first court date when I agreed to a settlement. I feel it is both unfair and abusive that these people continue to use legal measures to collect from my family that is currently on unemployment and food stamps and already on a payment plan from our current electric company when we were over {$1000.00} behind.
Consumer complaint received 2021-02-05
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (GA)

I received a call from my mortgage company " Quicken Loan '' " XXXX XXXX, stating my loan qualify for a FHA Streamline refinance and I will not have to come out of pocket at closing. He stated no appraisal fee, but he would need to pull my credit. I reached out to a Banker at Quicken to verify the refinance was a not scam or fraud.

I allowed Quicken " XXXX '' to pull my credit on XX/XX/21 and I qualified for the refinance. 

The next day XX/XX/21 XXXX called me and stated my interest rate would be XXXX and my monthly payment would be {$820.00}. XXXX in turn told me it would be a FHA closing fee of {$2200.00}. Quicken " XXXX '' told me it would not be any fees coming out of my pocket. 

The same day I reached out to XXXX XXXX, CEO on XX/XX/21 asking for help and why would XXXX come up with a fee at closing when i ask him before he ran my credit. 
I stated in the email to XXXX XXXX, CEO I would have never allowed my credit to be pulled if I had to pay any type of fee. I asked for his Help. 

A XXXX XXXX emailed me and I called him, XXXX stated he want to solve the issue, sure he does? He state the {$2200.00} was the " upfront mortgage premium '' 1.75 % would go to FHA. I stated to XXXX I will call him back and I emailed him as well on XX/XX/21 he never answered my call or emailed me back. 
I verified with FHA and it is true regarding the " upfront Mortgage premium. '' I do not know how they are going to make this issue right. They need to make this right with a letter to the Credit Bureaus stating the Hard Pull on my credit need to be a Soft Pull because of " misleading and unethical practices from the Lender. '' This type of under handed process has cause me to distrust them. Not only that, Quicken " XXXX '' should have known it would a fee at closing. 

Shame on you Quicken Loan.
Consumer complaint received 2021-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im reaching out to you all about some accounts that are still on my credit. I went to the bank to cosign for my mom a car and was not approved. I went and looked at the credit and see this accounts on here that are not mine. I was advised to reach back out to you all. Please take them off my credit so I can help my family XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NC XXXX, XXXX XXXX, Rise. I also saw a few inquires and I saw that yall have 2 address on my credit where I never lived and where is work in wrong. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My only address should be XXXX XXXX XXXX XXXX and i work for NJ XXXX XXXX. I'm doing this on my own behalf and I have attached the report I filed with the FTC.
Consumer complaint received 2021-02-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

On XX/XX/2020 I have applied and approved from Shellpoint Mortgage Services for the forbearance Plan on my mortgage accounts due to Covid 19 pandemic. During the forbearance plans Shellpoint Mortgage Services kept billing me for the late fees, service fees and reported negative credit on my accounts. I have sent request to management to remove but the problem was not sold. I would like to make complain and request to be waived on my late fees, service fees and negative credits on my account as the attached for details.
Consumer complaint received 2021-02-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I applied for a refinance in XX/XX/2020, the process appeared to be fine starting with XXXX XXXX and XXXX XXXX. I paid for an appraisal, place was appraised at double the loan amount. They quoted me 45 days. They asked for the same documentation numerous times, I guess I didnt see this as a red flag for their inability to stay organized. They stopped returning calls, but when I would be able to get a hold of my loan processor, she would tell me we are almost there to the finish line. They would ask for new payoff statements since their deadline was passed, new bank statements, etc. 
Two and a half months into it I was able to speak with the loan processors manager, XXXX XXXX. He assured me everything would be resolved. My debt to income needed to be adjusted, I paid off a credit card in the amount of {$9000.00}. 
They asked me to get a letter from the credit card company showing this was completed. The underwriters confused where I am living with the property being refinanced. They could not understand the addresses were different. Letter after letter of explanation and Another three weeks went by with calling them daily. Sometimes not even a return of a call but an auto generated email, is everything okay we see youve called. Had numerous conversations with XXXX XXXX, where he apologized for all the lack of communication within his team and he assured me he would make this right and he would be In communication with me. None of which occurred. Waiting so long The rate expired, XX/XX/XXXX I received a call 90 days into the process saying they would not be able to move forward, no clear answers, unable to understand what happened in the 90 days of time.
Consumer complaint received 2021-02-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc. (MD)

I submitted a letter to the three credit bureaus regarding the erroneous and inaccurate account last fall. I do not recall having a visit with XXXX XXXX  nor do I understand if I did why I would owe accrued late fees of {$130.00} and a collection fee of {$81.00}. The notice that I received from Receivables Management Systems appears to be predatory and a violation of the Fair Debt Collections Practice Act. 

According to 15 USC 1692g, 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

I have yet to receive an actual agreement outlining these fines and assurance that this debt is indeed mine. When requesting validation I received a constructed letter from Receivables Management Systems.
Consumer complaint received 2021-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX, I purchased an excursion for Alaska  through XXXX/XXXX XXXX in the amount of {$450.00}. The transaction shows a date of XX/XX/XXXX. 

I bought insurance for the excursion from XXXX XXXX for {$26.00} on the same date ( XX/XX/XXXX ). The transaction date shows XX/XX/XXXX. 

On XX/XX/XXXX, I purchased another Alaska excursion through XXXX/XXXX XXXX in the amount of {$230.00}. The transaction date shows XX/XX/XXXX. 

I bought insurance for the excursion from XXXX XXXX for {$13.00} on XX/XX/XXXX. The transaction date shows XX/XX/XXXX. 

Totaling {$730.00} I purchased these excursions in XX/XX/XXXX for my XX/XX/XXXX XXXX XXXX. The cruise was canceled and I rescheduled for XX/XX/XXXX. Instead of receiving a refund, the company said they would honor the two excursions for the XXXX XXXX XXXX 

I then received word from my travel agent in XX/XX/XXXX that XXXX/XXXX XXXX was in financial default and no one would be receiving their money or get their excursions. I was told by my agent to file a claim with the credit card company for a refund due to NOT receiving the services I paid for. I filed a claim by phone on XX/XX/XXXX. On XX/XX/XXXX I received notification that the claim was denied and closed. 

I went inside the bank this time on XX/XX/XXXX, to file another claim. I spoke to an associate who had to file the claim by phone. She explained to the person that I had not received the services for which I paid for and explained to them the business was in financial default under receivership ( State of Wisconsin ). The person told the associate the issue was between me and the merchant. She then reiterated that the business was in financial default. The claims person said they were not responsible for the Government shut down and refunding me the money. 

On XX/XX/XXXX, I attempted to file a claim online with Wells Fargo. I can not do so because the online banking is not showing the transactions for those purchases. It shows all my other purchases, but not those mentioned above. I do have them on my XX/XX/XXXX bank statement. 

The debit/VISA credit card used was through Wells Fargo Bank. 

Thank you in advance for your assistance.
Consumer complaint received 2021-02-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I XXXX XXXX made a phone call to XXXX XXXX XXXX to take care of a debt that I incurred from XXXX XXXX Hospital in the amount of {$850.00}. At the time of speaking with the debt collector they set me up with two seperate payments which was requested by me. On XX/XX/2020 I made a payment of {$420.00} and then of XX/XX/2020 I made the second payment via an auto draft from my bank account of {$420.00}. On XX/XX/2020 when I made the first payment I asked teh debt collector reprsentative that was taking my payment that once I made the final payment would there be something sent to the creditors on my behalf to remove or delete as that was what I requested and they said yes once the final payment had been recieved. They also informed me that they will automatically mail me out a letter stating that it had been paid in full. Once I made the final payment on XXXX XXXX and I did not recieve anything in mail after a week I called the debt collector and asked them why I had not recieved anything in mail and thats when they told me that I had toc all and request that. I explained that the last representative that I spoke with did not tell me that I needed to call in however, she stated that it was something that they automatically did. To my surprise I did not get accurate information. Also, to have it removed or deleted the representative told me that it was something that was available upon request which I did request However, only to find out that this has not been removed or deleted from my credit. The last report showed that it was indeed paid in full but also as an active account which is not the truth. According to my research this is a UDAAP violation when there is Diceptive Acts of Practice which was very misleading for me and an very unnessary process to do the things that I need to do.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The company involved is Transunion XXXX XXXX XXXX. 

Here are the facts, surrounding my complaint : I applied for two Apartments : Elevate at XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX I was denied because Transunion Rental Screening disclosed erroneous information on my criminal report. 

I disputed with Transunion XXXX XXXX  on the following dates : XX/XX/XXXX XX/XX/XXXX The second time I filed a dispute ; I provided official police reports to show them that their information was incorrect. However, they are still saying that their information is correct and refuse to make adjustments to my report. 

Furthermore, they're customer service department is absolute trash. I requested on three occasions and called twice to have them send me a full report of what they have been disclosing to consumers ( rental agencies in my case ). They keep giving me the runaround saying that they don't have all the information they need. I don't see how any company would rely on information that they provide because their company is dysfunctional, with incompetent workers. 

This is causing an extreme hardship, I am a XXXX veteran, and I'm on the verge of becoming homeless, not because of my XXXX, but because of Transunion XXXX XXXX inability to provide quality service.
Consumer complaint received 2021-02-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (GA)

On XX/XX/XXXX I requested information about a HELOC. I was contacted by XXXX XXXX on XX/XX/XXXX from Quicken Loans. I reiterated my requested for a HELOC, he asked for my SSN and pulled a credit report. He then proceeded to tell me that Quicken Loans doesn't offer HELOC loans. I informed him on XX/XX/XXXX that I was not interested in a mortgage and that I felt mislead by him and that I didn't appreciate having my credit report pulled when they couldn't accommodate my needs. 

On XXXX I received a loan package from XXXX dated XX/XX/XXXX. 

This agent is pushy and I would like to lodge a complaint against the practices that were used. I also do not want to be contacted by Quicken Loans for any marketing or loan offers.
Consumer complaint received 2021-02-04
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. (MS)

I disputed and inaccurate report bankruptcy with transunion XXXX and XXXX. I reached out to the bankruptcy court and was told that they do not furnish this information to the credit bureaus. However Transunion sent a letter saying the plaintiff attorney verified the bankruptcy. The bankruptcy court provided me a letter ALREADY stating that this was false so clearly Transunion is lying. 

I have reached out to an attorney and will file a suit against Transunion XXXX  and XXXX  for inaccurate reporting XXXX  and XXXX  claim they for their information from XXXX XXXX. However XXXX XXXX  doesnt have this information in their file and claims that they never verified this info with the bankruptcy because they can not verify false information
Consumer complaint received 2021-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cadence Bank (TX)

I financed my new home with Bancorp South in XX/XX/XXXX. 

I made my XX/XX/XXXX payment on time, then the next week received a letter from XXXX that they were taking over the loan servicing and that I actually owed XXXX the XXXX payment. 

Bancorp South was supposed to transfer my mortgage to XXXX, and they were supposed to forward the XXXX payment to XXXX. After multiple phone calls, XXXX has not received my payment even after Bancorp South promised they were cutting a check to send the XXXX payment to XXXX. 

Bancorp South also shows that I owe them a XX/XX/XXXX payment even though they were supposed to already have transferred my mortgage to XXXX.
Consumer complaint received 2024-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (FL)

Received email from Nelnet at XXXX on Friday XX/XX/XXXX which is against the Fair Debt Collection Practices Act ( FDCPA ) by contacting me at an unreasonable time. Nelnet 's contact number is XXXX ( XXXX ) XXXX. I have student loans through Nelnet. This email woke me up and I consider this to be harassment due to the unreasonable and unlawful time they contacted me.
Consumer complaint received 2021-02-05
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. (CO)

On so many levels I am frustrated this is totally wrong and it is a shame as a veteran for this country I have to continue to pay consulting fees to companies in order for them to instruct me on how to deal with all of this false reporting on my credit reports. I have sent so many letters to these companies and they are refusing to act accordingly. This is heartbreaking and its making me delusional. As a veteran I should be able to move forward with my life without being given more frustration because of unwillingness to follow the law. This is absurd. I have attached all the documents from the previous months that I have sent and I am asking these companies to remove all this mess. It is false, inaccurate, erroneous and someone keeps running my credit. This is illegal under the united states laws and the FCRA and the FDCPA, Im not an attorney I dont know what Im suppose to put here. WHy WHy Why do you keep costing me more and more money? Please respond. You arent responding to some letters and when I did receive a response it was totally bogus.
Consumer complaint received 2021-02-04
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

On XX/XX/2020, the amount of {$590.00} was deducted from my savings account. Someone used my bank account and routing number to pay a XXXX  credit card bill. The persons name on the check is someone named XXXX XXXX XXXX. I dont know this person and I have no clue how they had access to my information. I constantly check my account, and the same day that this happened I called the bank. Ive been calling Santanders customer service number, as well as attending the branches to get resolution and they keep giving m the long run and until this day they still havent fixed my issue. Customer service does not want to help, neither the branches. I even had affidavit of forgery notarized and I went to the branch and submitted. I call Santander the following week to follow up and they tell me the case has been closed because I never submitted the affidavit of forgery. I then receive a response from Santander Executive office in which they state that once I mail the affidavit they will reopen my claim. I speak to the lady that sent the letter, and she basically tells me that there is nothing that they can no longer do. Ive been calling and visiting branches none stop to get this resolved and no one has helped me. I always get the long run. I will be contacting my attorneys at this point.
Consumer complaint received 2021-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OZK (GA)

Bank OZK charged me on 3 separate occasions overdraft fees for charges I reported as fraud or that were reversed due to fraud or mistakes. I reported this to them and they have yet to refund me the {$100.00} for unnecessary and frequent back to back overdraft charges. Their local branch in XXXX GA attempted to harass me when I tried to report an employee and then tried to give me one day to mail in a written form and quickly closed my bank account to cover themselves. now my bank account is gone due to their rashness. They owe me money and have been negligent. I want my {$100.00} and I am not resting until they pay me. 

I have no documents due to my rashly deleted account which booted me from all access to records before I even got home.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (NJ)

Item 1. I've asked you to validate the debt Item 2. XXXX/XXXX  owns this contract Item 3. I owe nothing Item 4. You are reporting this as if I have an open tradeline with you Item 5. My CRA is impacting my credit reporting details, credit score when it's impactful from a FCRA standpoint Item 6. You responded to CFPB complaint that was immediately closed and based on FCRA compliance Item 7. Your correspondence is erroneous, fraudulent and incomplete Item 8. I do not owe this debt, you have failed to provide a signed contract Item 9. Please delete this erroneous tradeline
Consumer complaint received 2021-02-04
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. (GA)

Good afternoon, I checked my report recently and I found accounts that I do not know, I do not recognize them and I am not connected to these items. Can you please review and validate the information? As I think I am identity theft victim because the information that is reported in my profile is absolutely wrong and I disagree with this situation. Please check and delete them from my credit report.