davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

This account with the loan company name CAPITAL ONE AUTO FINANCE, was opened on XX/XX/2016 was paid in full. In according with the federal credit reporting act this crederel has violated my rights under 15usc 2681 section 602 states I have the right to privacy. 15usc 1681section 604A section 2 it also states that consumers reporting agencies can not furnished an account without my written instructions.under 15usc 1666B, a credetal may not treat a payment on a credit card account under and open and consumers credit plan as late for any reason o purposes. I had paid in full and no longer owed anything to the above company mentioned before
Consumer complaint received 2022-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NJ)

Dear CFPB officer, My mortgage got transferred on XX/XX/2022 to PNC Mortgage from XXXX. The new mortgage servicer PNC notified me via mail around late XXXX that I need to have XXXX insurance, which I bought it from XXXX ( $ XXXX ) upon receiving the notice. As expected, the insurance effective date was set to XX/XX/2022 by the insurance company. However, PNC then sent me another mail which I received on XX/XX/2022 telling me PNC will charge me {$90.00} to cover the gap between XX/XX/2022 - XX/XX/2022. There's no issues/damages to my condo ( it is still a quite new building ). 

How come PNC wants to charge me for insurance to cover a period IN THE PAST, when there's no issues/damages? Also the gap is completely caused by the delay of PNC informing me about the insurance requirements. 

I have since called PNC Mortgage trying to remove this {$90.00} charge but was told that they still want to charge me the {$90.00} for the gap, which to me is just another example that banks getting creative to charge outrageous fees to their customers. 

Would greatly appreciate your help to push PNC for a reasonable resolution. 

Thank you, XXXX
Consumer complaint received 2023-05-09
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: ENCORE CAPITAL GROUP INC. (FL)

I noticed inaccurate and a unauthorized account reporting negatively on my consumer report. Not sure if you're mixing my identity with someone else or of this is identity theft. I will attach a letter so your company can investigate and remove this inaccurate account. I will also attach copies of all the credit reporting agencies address reporting FALSE addresses on my credit report.
Consumer complaint received 2023-04-12
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC (GA)

Our VA mortgage is was purchased by Amerihome since we closed with XXXX XXXX. We are now in the process of selling our house and will be allowing the buyers to assume the loan. 

Amerihome has refused to let us speak to anyone regarding the assumption process. We are now unable to check on the status of the assumption or relay to the buyers any information about the expected waiting time for the assumption process to be complete. I acknowledge that the process can be lengthy, however, we can't even get anyone from Amerihome to talk with us regarding the matter. We have made multiple calls to the customer service line asking to be put through to the " XXXX XXXX '' and every time we are told it is not possible and that there is no one to speak to for assistance. 

XXXX XXXX XXXX
Consumer complaint received 2022-12-19
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

My federal student loans were recently transfered to Nelnet. They are impossible to deal with. I can not reach a human to resolve my issue after hours of trying. 

I am set up for monthly payments of about XXXX XXXX  and have been on that plan for many years. I am enrolled in autodebit for this amount. 

The Nelnet website now inexplicably indicates that my new monthly payment is more than {$9100.00}. This is approximately my full balance. Nothing changed for them to change my monthly payment. 

I have tried contacting them via their website ( chat and the " contact us '' form ) and email. All I have received is automated responses that don't address my issue. I am currently on hold trying to reach a human, and have been for over 40 minutes and counting. Unless this is resolved, they seem to plan to deduct over {$9000.00} from my checking account this week. This will be problematic. 

My options are to either cancel autopay, which will result in a higher interest rate, or pay my bank for a stop payment, which will cost me {$35.00} and likely create problems for my actual, correct payments that I want and need to make. 

Nelnet has no apparent interest in resolving my issue despite repeated and lengthy attempts to reach them. They need to be held accountable. 

I would very much appreciate some follow-up with whoever oversees Nelnet to help me resolve this issue.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CT)

Person or persons opened a credit card with JPMCB fraudulently ( ID Theft ) using my name and Social Security Number on or about XXXX of XXXX. I first became aware of this in XXXX of XXXX when my credit was destroyed and my normal bank accounts were affected as my credit rating plunged. After review of various credit bureaus it was discovered that the person/persons involved in the ID Theft had opened several credit card accounts with XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  and JPMCB/Chase Bank using bogus addresses in Florida and possibly other states. I have NEVER lived in any other state other than Connecticut for 50+ years and even have a copy of the original building permit I took out to build my house. After months of calls, filing out a police compliant with my local XXXX Ct police dept., compliants to the Federal Trade Commission and a ID Theft affidavit form to the IRS, as well as proof of my true identity ( driver 's liscense, proof of address using recent bills from electricity and VA admin., copy of passport, etc. ) all banks, WITH THE EXCEPTION OF CHASE BANK, have acknowledged that I am indeed the victim of ID Theft and are not responsible for these cards. I did receive a XXXX XXXX letter from Chase absolving me which they NOW SAY THEY HAVE NO RECORD OF ( I still have letter )
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

I submitted a Dispute with XXXX XXXX XXXX. I advised them the month they are showing for XXXX late payment in my entire credit history is wrong ; that I was never late. I provided them with a copy of my credit card statement showing that I had a XXXX XXXX on my statement during the month in question.
Consumer complaint received 2024-01-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC (HI)

Received a forebearance from loancare due to a natural disaster. The term was 3 months ending in XXXX. In XXXX I tried to contact loancare and was unsuccessful, I finally reached them in XXXX and was told that there systems were down due to a glitch.I spoke with a representative and asked to review options to reinstate, I chose deferring payments to the end. I supplied the requested documents in a timely fashion and asked for a timeframe I was informed it could take 15-30 days. I was assured again that my credit would not be affected. I received a letter stating On XX/XX/XXXX that I was in default.I called and again was informed that when my forebearance ends as long as Im in the resolution stage I would be ok. I called today XXXX est to ask for a progress report and again was told my credit would not be affected when I informed the representative that her information was incorrect I was put on hold and when she returned her words were I just learned something new I at that point asked to escalate. I spoke with XXXX team leader I told her my predicament and that I had done nothing wrong and supplied all documents. I asked why my credit was affected and told her all her representatives had told me it wouldnt. Her words were you received correspondence and anything anyone tells you is incorrect follow the correspondence not the employee. My position is and always was resolution and a clean credit report. Her answer was write a letter disputing the negative report. I feel Im being treated unfairly disrespectful I also feel Im carrying the burden of misinformed employees and systems failures. My credit is now affected causing major issues and I have no resolution in sight. I feel Im being discriminated against due to my race Im preparing to escalate further.
Consumer complaint received 2023-11-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

I am attempting to refinance my home mortgage through XXXX XXXX. They have been great- up front, honest, and great attention to detail. The trouble is with my current mortgage servicer, Select Portfolio Servicing Inc. We ( XXXX and myself ) have requested documentation concerning a modification agreement or deferral that was made on my mortgage. They have provided us with documents that do not pertain to this agreement including copies of documents that were never signed. Since my new mortgage is time sensitive this has become a major hurdle. I, myself, have been on the phone to them at least XXXX times in the last XXXX weeks and still no document has been provided to me. Could you please assist me in obtaining the document I need. I personally believe Select Portfolio is withholding this document to keep me lock into their high interest adjustable rate mortgage.
Consumer complaint received 2023-04-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Comerica (MI)

1. Open account with comerica in XXXX. Called rep said had no record of account have to go to bank. 
2. Open account at XXXX bank with teller XXXX. Checking and saving XXXX dollars was placed in each account 3. Recieve a debit card went to use it saying that cant access checking or saving. 

4. Call rep on phone comerica saying that i have to go into bank 5. Went into the Comerica. Say that comerica had no knowledge of the account and can not prove my identity- provide license and w2 form and valid license - asked rep to close account. Provided a number 6. Talk to fraud rep. I asked to closed account and wanted money back. No longer need the account. He shared we just trying to protect you. He said i could get XXXX dollars return to me.that i would be c 7. The rep called. Said i could not get XXXX back. They could only pay 20. Ask me to come in the bank to get check or send by mail. I told rep by mail. 


8 rep falsely wrote that comerica closed account be cause of fraud. Account was closed by me. 

Now all account are closing. I wanted it corrected immediatey.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Mercury Technologies, Inc. ()

I recently became a user of Mercury 's banking services and was in the process of exploring their features when I unexpectedly encountered an issue. Just under five days into using the service, my account was suddenly restricted. This was particularly alarming as I was unable to log in or access the {$25000.00} in funds, which are crucial for my business operations.

In an attempt to resolve the issue, I reached out to Mercury 's customer support, inquiring about the reason for this sudden restriction and requesting the return of my funds. Despite my efforts to contact them, I have not received any response or explanation from Mercury. The lack of communication and the unexplained restriction of my account have left me in a challenging position, impeding my ability to manage my business finances effectively. 

The situation has caused significant distress and inconvenience, and I am in urgent need of a resolution. I am seeking clarity on why my account was restricted and the immediate return of my funds. The resolution of this issue is critical for the continuity of my business operations.
Consumer complaint received 2024-01-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MA)

This company is a third party debt buyer that purchased " Uncollectable Debt ''. The originator, XXXXXXXX XXXX XXXX, violated the TCPA and fair debt collection practices, and was sent a demand for validation of debt. The originator, XXXXXXXX XXXX XXXXXXXX, failed to validate the debt in a timely manner and pursuant to Federal laws and regulations, the became No Longer allowed to collect, report, or bring litigation as a result of their own failure 's. The third party collector or debt purchaser has obtained " uncollectable debt '' as a result of the originators failures, and does NOT become collectable just because it is is new hands. 

I Demand that any and all derogatory information be removed from my trade lines immediately as the collector has NO legal grounds to report or collect any debt from myself. I intend to bring litigation against both collector and originator if the matter is not resolved in accordance of Federal Laws and regulations regarding a creditors failure to validate a debt.
Consumer complaint received 2018-12-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

Respected Sir/Madam, I AM requesting to help Me in the situation of My mortgage. 
The mortgage is on My primary home which provides shelter to 6 people including My two old parents. 
I have been XXXX XXXX  costumer for years, On XX/XX/XXXX i got a letter from XXXX XXXX XXXX., in mail that my mortgage is being trasferred to a XXXX XXXX XXXX XXXX XXXX, with a wrong principal balance.so i thought it was a scam. 
I was really surprised as XXXX XXXX had never notified Me, I called XXXX and the REPSENTATIVE HAD NO CLUE WHAT I WAS TALKING. AS SHE COULD NOT FIND ANYTHING.SO I ASKED TO SPEAK TO A SUPERVISOR AFTER SEARCHING FOR LONG HE WAS ABLE TO TELL ME YES MY MORTGAGE WAS TRANSFERRED, UPON ASKING WHY WAS NOT NOTIFIED HE SAID WE ARE GOING TO SEND LETTER THE OTHER MORTGAGE COMPANY RUSHED TO SEND IT. I INQUIRED ABOUT MY MORTGAGE NUMBER WITH NEW COMPANY AND THEIR PHONE NUMBER HE GAVE ME THE INFO. WHEN I CALLED THAT NUMBER THEY SAID THEY HAD NO INFO ABOUT THIS MORTGAGE. 
THEN I RECEIVED ANOTHER LETTER DATED XX/XX/XXXX BY THE NEW MORTGAGE COMPANY STATING THAT THE PREVIOUS NOTIFICATION MAILED HAD WRONG BALANCE INFO.IT ALSO STATED .THE ASSIGNMENT SALE OR TRANSFER OF YOUR MORTGAGE LOAN DOES NOT EFFECT ANY TERM OR CONDITION OF YOUR MORTGAGE. 
ON XX/XX/XXXX I GOT LETTER FROM XXXX ABOUT THE TRANSFER OF THE SERVING OF MORTGAGE, IN BETWEEN EVERY TIME I CALLED SELECT PORTFOLIO COMPANT THEY SAID THEY HAVE NO INFO ON MY MORTGAGE AS TRANSFER IS NOT DONE 100 PERCENT, I WAS ALSO BEEN TOLD THAT I WILL RECEIVE A PACAKGE ABOUT MY MORTGAGE PAPER WORK WHICH I HAVE NOT RECEIVED IN TODAYS DATE. 

oN XX/XX/XXXX FINALLY I WAS ABLE TO LOG IN THE SYSTEM AND CREATE AN ACCOUNT WITH NEW MORTGAGE COMPANY, UPON REVEIWING I SAW MY AMORTIZATION SCHDUELE DATE WAS WRONG FROM WHAT XXXX ACCORDING TO XXXX I SHOULD BE DONE IN XX/XX/XXXX .AND THEY ARE SHOWING AS MY DATE AS XX/XX/XXXX. SO I CALLED AGAIN, THE LADY SAID SHE CAN NOT DO ANYTHING I NEED TO SEND PAPER WORK TO THEIR FLORIDA OFFICE. ALSO THAT THEY CAN NOT DO BIWEEKLY LIKE XXXX XXXX. WHERE IT CLEARLY STATED THAT MY TERMS WILL NOT CHANGE FROM MY OLD MORTGAGE. 
I REALLY NEED HELP, IF POSSIBLE IF I CAN GET IN TO HARP AND MAKE MY TERM SHORTER I HAVE NEVER BEEN LATE IN MY PAYMENT. I AM XXXX YEARS OLD I CAN NOT CARRY MY MORTGAGE FOR SO LONG I WOULD LIKE TO PAYOFF MY HOME SOON. PLEASE HELP ME. 
THANKYOU. 
XXXX XXXX
Consumer complaint received 2024-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ADDRESSES TRANSUNION LLC CONSUMER DISPUTE CENTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEAR SIR/MADAM, UPON PULLING MY CREDIT REPORTS FROM XXXX, XXXX, AND TRANS UNION , I DISCOVERED THAT YOU HAD REPORTED FRAUDULENT INQUIRIES WITHIN MY CREDIT FILE. THIS ACCOUNT HAS PREVIOUSLY BEEN DISPUTED WITH YOUR COMPANY, WHICH ADVISED ME TO CONTINUE THE DISPUTE WITH YOU. MY CREDIT FILE HAS BEEN IMPACTED BY THESE FRAUDULENT INQUIRIES. THE BELOW CREDITORS HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NOR WRITTEN AUTHORIZATION AND HAVE FAILED TO PROVIDE ANY PERMISSIBLE PURPOSE. IN LIGHT OF THE FACT THAT THERE IS NO EVIDENCE OF MY AUTHORIZATION, NOR ANY PERMISSIBLE PURPOSE, I REQUEST THAT YOU REMOVE THESE AUTHORIZED INQUIRIES FROM MY CREDIT REPORT IMMEDIATELY. 
IN ACCORDANCE WITH SECTION 604 OF THE FAIR CREDIT REPORTING ACT, CONSUMER REPORTS MAY ONLY BE USED FOR THE PURPOSES DESCRIBED IN 15 U.S. CODE 1681B IN GENERAL. SUBJECT TO SUBSECTION ( E ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( F ) OTHERWISE HAS A LEGITIMATE BUSINESS NEED FOR THE INFORMATION ( I ) IN CONNECTION WITH A BUSINESS TRANSACTION THAT THE CONSUMER INITIATES.

UNDER 15 U.S. CODE 1681I, PARAGRAPH ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) IN GENERAL. IF, AFTER ANY REINVESTIGATION UNDER PARAGRAPH ( 1 ) OF ANY INFORMATION DISPUTED BY A CONSUMER, AN ITEM OF THE INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED, THE CONSUMER REPORTING AGENCY SHALL- ( I ) PROMPTLY DELETE THE FOLLOWING INQUIRIES ARE UNAUTHORIZED : CREDITORS/INQUIRIES DATES APPLIED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To be clear, I did not apply for any of these accounts. You are reporting an inquiry that does not belong to me, which is a violation of the Fair Credit Reporting Act. 
In order to clear up this matter, I would like to see these inquiries removed from my credit file. If not, then reporting inaccurate information is also a violation of the FCRA under 623 ( a ).

In order to avoid a lawsuit, I request that you DELETE these inquiries from my credit report.

These accounts were not opened by me, and I did not give my authorization for them to be pulled. 
Respectfully,
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (OH)

In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name #. Hunter Warfield XXXXXXXX This account debt was paid by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hunter Warfield has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a Account with my written instructions 15 U.S.C 1681C. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate