davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (NJ)

Dear Sir or Madame, I am a university professor and am under contract to sell my home and purchase a new home that would significantly improve my commute. 

I applied for a mortgage with Calibar Home Loans. I initially received a pre-approval letter. My contract to sell includes a contingency clause to back out for failure to complete the purchase but includes a {$2000.00} penalty to do so. I entered into this agreement only after having consulted with my loan consultant regarding risk. He suggested there was " none ''. 

I later received an approval for an FHA loan ( attached ). It was presented to me as a " commitment ''. It was presented to me a month before the anticipated closing date of XX/XX/. A week and a half ago, the mortgage consultant I was working with suggested that my " commitment is very clean ''. I presented it as such to my attorney, who, in turn, presented it as such to my seller and buyer. 

At the eleventh hour, the month of the closing and after having presented me with an FHA anchored loan commitment, Calibar tells me that they made a mistake and that my student loan debt creates an untenable situation with DTI ratios. Having been through FHA mortgages before, I was well aware of the historical complications with respect to ( and changes made to guidelines respective to ) the calculation of Income Driven Repayment ( IDR ) and Income Based Repayment ( IBR ) payments. Before even proceeding with the loan application, I flagged this issue for discussion with the loan consultant. He told me in no uncertain terms that the calculation was currently based on the monthly payment made reported on the credit report. In the end, Calibar is now stating the proper calculation is to take 1 % of the debt and amortize it as a 30 year loan and use that hypothetical monthly payment for underwriting purposes. 

I have good credit ( XXXX FICO ). I have consulted with an outside mortgage broker and they are optimistic that they can find an investor so long as my partner ( Civil Union NJ ) is included in the application. Calibar said they won't underwrite my partner. The problem, of course, is the time this will now take and whether all parties are willing to wait.

I wrote executive officers on XXXX and was promised communication at the executive level. I never received this. 

In short, I have been put in a very precarious situation due to Calibar 's *very basic and documented error* and Calibar should be doing everything they can to close the loan. They carry portfolio loans and sell their own products. 

I am starting to wonder if my name weren't XXXX and if I weren't in a XXXX relationship if I would be treated with such disregard. 

I look forward to a resolution to this situation.
Consumer complaint received 2018-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recover, LLC (GA)

On XX/XX/2014, this debt for {$1600.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Consumer complaint received 2023-11-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (MI)

To every account on any credit report and any debt collector ; This notice is addressing all Credit Reporting Agencies and third-party debt collectors who has participated in obtaining the personal information of XXXX XXXX XXXX The information that you have provided in which you reported verified the party 's ownership of debt is expected to be removed immediately. There was never at any point any consent given for the presence of any accounts pertaining to XXXX XXXX for information to be used such as name, address, consumer relationship, work history, reporting of transactions. In practicing these actions, you are infringing on the fair credit act. The FCRA protects the privacy of consumers data, according to 1681 c-2 it is classified as identity theft. There is no binding contractual agreement between XXXX XXXX, and any account of the busines ( XXXX ) reported on any of the credit bureau or third-party collection agencies credit reports. Therefore, XXXX XXXX never received any sort of check, loan, or monies of any nature from any account name on these reports. This counts as misrepresentation resulting to damages to XXXX XXXX causing loss and harm. NOT ANY agency has provided proof of ownership.
Consumer complaint received 2018-12-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MN)

I received a letter from the county stating we owed {$750.00} and {$67.00} in late fees for property taxes. This later is dated XX/XX/XXXX. We have until XX/XX/XXXX before we are placed on delinquent tax list. I called freedom and they said this was not paid during the closing process and they will investigate and pay any late fees. They also said this takes an average of 21 days to complete. That is too long and because of their error I will be on the delinquent tax list if it is not paid. I asked if I could pay the amount and they said they would need proof and would not cover any late fees. I have faxed information requested and now I wait and hope they fix this by the XXXX otherwise I will pay it so I do not get penalized for Freedom Mortgage 's mistake!
Consumer complaint received 2018-06-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

XX/XX/2015 Amount was XXXX Person calling me to my wife 's phone number and stated they have been sending certified letters to an address I've not lived in 4 years. Also telling my wife that they will suspend my licence. Freeze my bank account and go after any assets. I'm willing to pay but can not pay the full amount at this time. They lady said they would settle for XXXX and now they want more to stop from sueing me.
Consumer complaint received 2023-12-11
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: JPMORGAN CHASE & CO. (OH)

Someone had used my information to apply for a JPMorgan chase credit card on XXXX XXXX.A hard enquiry was made on my accounts.i want it removed.i reported to transunion and I put freeze on my account.
Consumer complaint received 2023-11-15
Product: Credit 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: AMERICAN EXPRESS COMPANY (OH)

American Express refused to credit my account for {$800.00} for merchandise that I purchased made. I returned the merchandise. American still expects me to pay for the charges. They have accepted and explanation from the merchant, but did not accept my explanation for the purchased, claiming they have to follow the merchant 's policy. I was told that I needed to work it out with the merchant would result in a confrontation with the employees. I am XXXX XXXX XXXX ; I should not be expected to return to the store and confront an employee to receive a refund. It was clear in my explanation to American Express that I had an allergic to the products. I tried to return the products, but the store was closed from XXXX XXXX XXXX. After several attempts I was able to return the products. But the store refused to accept the products. Claiming that they do not accept returns within after 7 days. There was a heated confrontation with the employee and my husband. We place the items on the counter and exited the store. I filed a complaint, twice with the credit card company, but I was rebilled.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rent Recovery Solutions (AL)

XXXX at XXXXrent recovering solutions is reporting inaccurate information stating that I owe {$3000.00} to the apartment complex which is false. It is also stating that the collection was opened XX/XX/, which is inaccurate also. I am requesting that this collection be removed from my credit report if they can not give me the proof that I owe and that it was open in XX/XX/.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  XXXX  Account NumberXXXX Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CT)

I notice an hard inquiry on my credit report from a company that I did not authorize from XXXX option 6 on my Experian credit report. I never spoke To a company or Authorized this company to pull my credit report
Consumer complaint received 2023-09-10
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. (GA)

In accordance with the Fair Credit Reporting act Convergent Account, Creditor : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$1200.00}, XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Balance {$2000.00}, XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Balance {$2600.00}, XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$30000.00}, XXXX XXXXXXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$1200.00}, XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$3000.00}, XXXX XXXX XXXX XXXX Account number XXXX  Date opened XX/XX/XXXX Balance {$6800.00}, XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$25000.00}, XXXX  Account XXXX XXXX Date opened XX/XX/XXXX Balance {$3700.00}, XXXX XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$2200.00}, XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$4800.00}, 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
Consumer complaint received 2023-11-15
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. (PA)

THESE INQUIRIES IS NOT MINE SXXXX 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 XXXXXXXX XXXX XXXX - XXXX
Consumer complaint received 2024-07-02
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SOUTHWEST COLLECTION SERVICES INC. (CA)

Last week contacted to settle an amount to pay. He said he wouldn't work with that and needs the entire amount. He stated he would continue adding to the account for interest when not paid to ruin my credit. 
He hung up on me..called him back and he wouldn't answer..he then said he was going to have me arrest for harassing him by calling. 
My number is now blocked and the amount keeps adding every week.
Consumer complaint received 2023-11-15
Product: Mortgage — FHA 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: Mr. Cooper Group Inc. (TX)

As a consumer, we dont feel that we are getting treated fairly in the process of our account nor our credit with NATIONSTAR MORTGAGE LLC . It continues to be the same issues report our account as delinquent when its solely their fault the account is behind because of them XXXX  XXXX  the account in the first place at the beginning of the year claiming they fix the issue but never did and every time I call to try to resolve it I get nowhere no results. Nothing but the unwillingness to help get the account resolved its been an ongoing issue with this company and were tired of them destroying our credit because someone in their office cant get it right I have spoken with four different representatives in the month of XXXX to set up some type of repayment plan to get our account back in order so we were to start our repayment plan XX/XX/XXXX that is what the representative agree to.. but we never got that in writing so here we are in XXXX and they are totally remaking and back sliding on the offer that was set in place
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Relay Financial (US), Corp. (FL)

On XXXX XXXX XXXX  I sent a bank wire transfer from my business account held with www.relayfi.com to my personal account held at XXXX When the money wasnt credited to my XXXX account on XX/XX/XXXX, I reached out to XXXX and was informed that due to a recent banking partner change those funds are now with XXXX 's old banking partner XXXX XXXX and trust and that i needd to contact Relay for them to issue a wire recall so the funds can get back to my Relay account. I immediately recahed out to Relay and requested a wire recall while speaking with ccustomer care rep XXXX. 

On XX/XX/XXXX, I was provided with a wire recall confimration number of XXXX by Relay and since that tiem i have called and emailed RELAY every day to get an update as the fudns are not back in my account. 

I recahed out to XXXX multiple times and they stated according to banking regulations it is up to RELAY to use the XXXX service to follow up on the recall and make sure it is credited back to my account as the money is currently sitting with XXXX 's old banking partner Evolve bank and this is a bank to bank process using fedwire and there is nothing I can do about it on my end. 

Relay ha sbeen an absolute disaster as they do not seem to have nay knowledge of how to get this done and my money is missing. As a small business owner it is extremely difficult to ddeaal with this situations as i have unpaid bills piling up incurring late fees and interest charges. Relay simply has failed to perform their fiduciary responsibilites as a custodian of my assets and keeps giving me a run around
Consumer complaint received 2018-05-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Hello, Back in XX/XX/2017 I had went into a location and used my debit card to make a one time purchase. After weeks went by the third party merchant started taking reoccurring funds off of my debit card without my consent. I didn't sign any contracts authorizing this. Bank of America refunded my funds in the beginning but then a few weeks later my funds were taking back from Bank of America, they inturn told me that it was my word against the merchant. Please Help!
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

My cell phone had been taken in the early morning hours or XX/XX/2023. Later that same morning my brother came by to let me know he had sent a transfer to me via XXXX XXXX. I dont have an extensive history in using XXXX XXXX  but my brother had helped me set it up and I knew I would receive the payments into my Capital One account automatically. Upon his leaving I began getting ready to head to work when I noticed my phone and wallet were missing. I went in to work a bit stressed at having neither of the items. I get to work and log into the Capital one site, only to see that what should have been a balance of {$1300.00} had in the course of a couple hours was showing a balance of NEGATIVE {$3600.00}! 

I got light headed and dig deeper into the transactions. I those couple of hours the person who had possession and control of my device had XXXX {$190.00} transactions to XXXX XXXX and XXXX {$190.00} transactions to XXXX XXXX, then processed to shuffle the money through various Third Party XXXX apps. In XXXX case even using my stolen identification to open accounts in my name to shuffle this money back and forth to create one of the most confusing digital trails Id ever seen. Lin a few instances even moving money back into my Capital One account then back out and even used the mobile app to pay my Capital One Credit card bill. At no time did internal bank controls block these transactions or notify me.

Capital One should make me while under the EFTA as I was defrauded. They will not.

Please help as I am only 1 person bs large bank who think they do t have to follow the law.

I am in dire financial straits as they not only want ME to bet this overdraft but have reversed LEGITIMATE transactions I made and never one of this aforementioned {$190.00} FRAUDULENT charges. This has made me have to not only repay merchants but also late fees and return payment fees. I followed Capital Ones dispute process only to have them deny my claim and provide me with a 1/2 page PDF document saying they were denying the claim.

I sit here tonite awaiting the reply to the rebuttal I had made to the first dispute. I must tell you that my hopes are not high. They dont want to admit that their internal controls failed me. And that they failed me. 

Please help me in forcing their hand into doing what is just and fair.
Consumer complaint received 2023-11-15
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (MS)

This account was created fraudulent l dont live in XXXX XXXX Texas l been living in XXXX XXXX XXXX XXXX my life and my residence is at XXXX XXXX XXXX, XXXX XXXX l been living here for XXXX  years and whomever got my information also have an apartment in my name as well
Consumer complaint received 2024-04-05
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. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-11-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: D2 Management LLC (GA)

I received a phone call from XXXX management informing me that they were a collections agency and I owed a loan from easy money in XXXX. I told them I never did a loan and the lady dismissed what I said and did not listen to what I was saying. They had all my information and an email I made in XXXX I never used when in another state. She then hung up on me because I kept telling her that I didn't get a loan. She said I must have forgotten. When asked for the signed documents she would not give them to me. I called easy money and they didn't have a complete profile of me on file.
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Momnt Technologies, Inc. (MD)

I was receiving XXXX treatment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX Checks were made out for Momnt account and the check were cashed and XXXX XXXX Closed with completing the treatment. I received a letter from XXXX XXXX stating I can get a refund, But they never forwarded the check to Momnt they cashed them. Now I can't get a refund. XXXX check from XXXX XXXX XXXX XXXX for XXXX a piece. Total XXXX The check were cashed at XXXX Bank by someone name XXXX.