davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

After a couple of year or so of getting these mailing from a company called XXXX XXXX XXXX, on or about XX/XX/XXXX we decided to contact them about a home modification government program they claimed to have " New Programs have been put into place for home owners under the new XX/XX/XXXX guidelines '' we called their XXXX number and spoke to a case specialist by the name of XXXX  - she " explained '' how the process worked and said it may be free, or low cost depending on what government programs we qualified for. She emailed me and provided me with a web site- and phone number to contact her back ( XXXX  ) XXXX XXXX. They asked to speak with our lender and requested for them to fax over ( XXXX ) XXXX XXXX ) account summary- which the forward to us that same day. They provided us with a " form " to fill out pertaining to our financials- we did as requested and continued to ask about cost- and business license information with no answer. On XX/XX/XXXX we spoke to " an underwriter '' whom provided us with percentages and possible payments " best and worst case '' and a total cost for service in the amount of {$3700.00}, and suggested that we do not pay our mortgage allowing us to pay them in three installments, with a guarantee their request for modification would go thru. The call was handed over to XXXX and she made an phone appointment for Fri. XX/XX/XXXX, before ending the call we requested to have the business license information AGAIN, she said was surprised her manager XXXX had not provided said information. Friday came and went, on Monday I emailed XXXX  to confirm we could have our appointment that Monday morning and reminded her we MUST have the license information as well. We confirmed a XXXX call and at XXXX XXXX   via email she stated the following : " XXXX would be the one to have more information in regards to licensing, I already put in a request with upper management. Ill call you in a few minutes to review documents. " XXXX came and went no call no email. At XXXX XXXX  I emailed them asking what happened. They proceeded to ignore our communications and request for license. After three days XXXX   decided to call me to answer our email and stated I rather do it over the phone -we refused stated she needed to email us because that statement was concerning. Emailed both XXXX and XXXX stating the call confirmed the emails were being read- provided image of call log- a day latter XXXX  emailed and stated they were too busy to take us on as clients and that " At no point was anyone refusing anything " and " Please keep in mind that your previous message with direct accusations and would be something that would require us to respectfully terminate our relationship moving forward ''. Lied about calling us twice and refuse to communicate with one of us. Please see details below and emails attached with documentation.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX   XXXX XXXX -Manager XXXX XXXX XXXX Case Specialist <XXXX> XXXX>
Consumer complaint received 2022-09-11
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: SYNCHRONY FINANCIAL (GA)

The Sams credit card company sent me a statement with a balance due and I never use the credit card in my last months statement I paid off. So I called the Sams credit card company to ask them what am I getting billed for I havent used my card and now they are stating that they over charged me for a return twice they stated that they return something and overcharge me yet when I ask them to show me on my statement where it is that they overcharged me they took me to a return that I returned from a purchase that I made and Ive been calling and calling and talking to many people and no one can answer me what I am being charged for.this charges happen on XX/XX/2022 l.its been going on for 2 months now, nothing has been resolve
Consumer complaint received 2023-03-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (IL)

I was mailed a check to an old address from the Tennessee Department of human services child support division on XX/XX/XXXX. The check was a check from the Tennessee Treasury department for federal tax intercept from non custodial parents arrears in the amount of {$4800.00}, for past due child support arrears. 

The address that the check was sent to was XXXX XXXX XXXX, XXXXXXXX XXXX., i moved from that address in XXXX, and moved from XXXX XXXX XXXX of XXXX to XXXX . I have been living in XXXX from XXXX to the current, However someone at the previous address in XXXX cashed the check at Wells Fargo Bank. I found out thru the non custodial parent that her federal tax was intercepted and sent to the XXXX XXXX XXXX Address. 

So I contacted the Tennessee Department of Human Services Child support division, and I was told that there was a check sent out and that the check was deposited and cashed at Wells Fargo Bank. 

I filled a fraud claim with the Tennessee department of human services child support division and filled a sworn affidavit, with my signature and state of XXXX drivers license. 

I was then mail a copy of the sign check which was deposited into Wells Fargo Bank the wasn't even close to matching my signature because I have a very unique signature. 

It's been a little over year now, I have continually contacted the Tennessee department of child support thru phone they keep telling me that Wells Fargo is NOT responding to them, and I'm somewhat frustrated because I signed sworn affidavit stating that there was no way that I cashed the check, I do not bank with Wells Fargo and never have, the signature obviously doesn't match mind and so I really need you help. 

Thanks in advance.
Consumer complaint received 2023-01-02
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: EQUIFAX, INC. (TX)

Equifax has violated my right to privacy. They do not and have never received my written instruction to furnish a consumer report pursuant to 15 USC 1681b ( a ) ( 2 ). I have called them multiple times to explain that they do not have my consent to furnish a report and the information within that report and they are violating my right to privacy.

Congress has made it clear at 15 USC 1681 ( a ) ( 3 ) that credit reporting agencies have ASSUMED the role they are playing in assembling and evaluating consumer credit. There is no law that requires them to furnish any information about me the consumer.

Congress has also made it clear at 15 USC 1681 ( a ) ( 4 ) that there is a need for consumer reporting agencies exercise their grave responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumers right to privacy. Equifax is being unfair, impartial, and they are disrespecting my right to privacy by reporting accounts and information on my consumer report without my written instruction. They have no consent from me to do this. 

They are also reporting fraudulent inquiries that I did not authorize. 

Equifax has caused damaged to me in numerous ways including emotional stress and defaming my character by reporting negative information that has not been verified making me appear unworthy of my right to receive credit. 

After attempting to resolve this issue with them over the phone multiple times I am now filing this complaint with the CFPB.
Consumer complaint received 2023-01-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Academy Mortgage Corporation (SC)

I was preapproved for a mortgage through Academy Mortgage for my new build home in XX/XX/2022, they were the preferred lender. I was given conditional approval and satisfied every requirement. I extended my lease where I was staying and was charged an additional XXXX XXXX monthly while I waited while my house was being built. The mortgage company contacted me 1 week prior to closing to tell me they could not make my loan work and was given additional requirements for the loan they wanted me to file XXXX taxes and give them the updated paper from the IRS. I then had to extend my lease 1 month more where I live and completed the requirements, obtaining a tax lawyer to take care of the tax issues. Although I had approval from a different lender, if I switched lenders, I would lose my earnest deposit, pay a {$110.00} fee a day, and lose my closing credit from choosing their lender. I stayed with the lender and was told today they added in a debt that belongs to my XXXX XXXX to my XXXX and no longer qualifies. My family 's lives have been turned upside down by this mortgage company and their negligence in the time frame and the way they handled my mortgage. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from Academy Mortgage. Although I have asked repeatedly if this is race related as I felt through the whole process that they were actively working against me rather than trying to make my mortgage work. They have put me in an extremely uncomfortable situation as now I have to pull out of the contract from my family 's first home after we watch it being built over 6 months but I also don't have a place to stay because I was given false hope that they would complete my mortgage and I would be moving and have lost my rental because the deal with the owner was to rent to me until my home closed, now I have no home because Academy Mortgage did a XXXX XXXXXXXX XXXX with the way the handle my whole case.
Consumer complaint received 2017-05-13
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. (MO)

I am filing this complaint against TransUnion. I have contact them several time by letter and via phone conversation. I also, sent a copy of a police report regarding the issue. I recently viewed a copy of my credit report and noticed that all of the inquires did n't belong to me and I did not authorize any of the creditors to pull my credit. I am requesting that they be removed from my report.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES ON MY TRANSUNION, XXXX XXXX REPORT I HAVE UPLOADED MY FTC REPORT UNDER OATH THIS IS A CLEAR VIOLATION OF THE FCRA 15 USC 1681a. ( 2 )
Consumer complaint received 2023-06-23
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. (CA)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX. 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 an 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 item 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 2017-05-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PMT Solutions, LLC. (WA)

I contacte d PMT solutions  as I was told I had an outstanding balance with them. The lady told me that maybe my case would affe ct my credit score and I told her that I felt like I had paid this account in full. She said no sir you have n't and asked my how much I was willing to pay right then there. I then asked why I was n't notified of these accounts until now ( 6 years later ). So I asked if there was a manager or supervisor I can speak to or was it a pay or pay situation and she said yes you have to pay. So my deal is that they waited all this time and the interest that accrued is just insane PMT solutio ns original amount {$520.00} to {$820.00} now. It 's not fair that they did n't contact me and now I supposedly way more then original amount and I do n't have receipts or anything it 's been so long.
Consumer complaint received 2023-08-09
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: J J Marshall & Associates, Inc (MI)

I sent my letter off XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts i have listed below. Also i have attached the letter and receipt from when i sent the letter out and here is the tracking number. 

According to the FRCA the term " investigate consumer report '' means a consumer report or portion therof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according tot he law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. 
I have the credit report showing the inaccuracies. 

Accounts : JJ Marshall & Associates Inc
Consumer complaint received 2023-03-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (WI)

XXXX originally charged me {$74.00} for a service last year. I originally disputed this bill on XXXX. ( screenshots of my chat with XXXX  attached ). I cancelled my service with them on XX/XX/XXXX and returned the retened equipment, as of that point I could no longer use the service they provided. However, they decided that I had to pay full price for the service that I could no longer recieve. When I disputed the charge they told me it was a subscription and I didn't have a choice. 

Since then XXXX sent the bill to a debt collector, I.C. System Inc. I have spoken to them multiple times and informed them of the situation. I offered to pay the amount up until the cancelation date if they would consider the debt collected in full. The collector agreed over the phone and accepted payment of {$42.00}. 

Dispite this, I am still getting letters from the debt collector asking me to pay the remaining balance.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (NE)

My personal info ( bank acct number, social security number address and email acct ) was fradulently used to secure a loan from a company called XXXX in the state of Utah.They used docusign to place my name on loan papers. Now I am being sued for the loan amount of XXXX. Despite my denials and converstion with my lawyer they are continuing with a lawsuit. I contacted the FBI and they asked me to contact the FTC. Please contact me for help. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

I paid {$350.00} for 21 years. This was the entirety of the loan plus 10 % interest. Yet the loan servicer says I still owe {$29000.00} plus interest.
Consumer complaint received 2018-04-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (SC)

On XX/XX/XXXX I submitted a partial payment through Mr. Cooper 's website that allows for partial payments before your payment is due. On XX/XX/XXXX I submitted a {$450.00} partial payment to go towards my payment that was due on XX/XX/XXXX. Mr Cooper misapplied this payment and put it towards the additional principal. I called to have this fixed. Mr. Cooper then reversed the payment to additional principal and applied it correctly towards a partial payment. When I went to pay the balance ( before my XX/XX/XXXX due date ), I see they reversed the partial payment and once again applied it to additional principle. I called again, and Mr. Cooper once again fixed the issue. Now on XX/XX/XXXX I go to make the remaining payment and noticed that Mr Cooper once AGAIN reversed the partial payment and applied it to the additional principle. Now I have been on hold XX/XX/XXXX from XXXX and it is now XXXX ( 2 hours with no fix ) so I can pay the remainder of my balance that should be due. They are showing I owe the full months payment and will not apply my partial payment funds correctly.
Consumer complaint received 2024-04-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I fell behind on my house note during XXXX I have tried to communicate with the mortgage company so that I may keep my home but have been unsuccessful. 
I have reached out during my hardship was never given the help I know others. 
received during the covid epidemic. 
My house currently has a sale date of XX/XX/2024, I do not want to lose or sell my house, I have reached out to sps asking for a term change, adding the delinquent payments to the end of the note. 
I already have low rate and is not asking for rate change, only that the term be extended or a loan modification. 
thank you.
Consumer complaint received 2023-01-02
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. (AL)

After reviewing my Credit Report under Experian today : ( XX/XX/23 ), it was again discovered that the Student Loans in my name serviced by XXXX are portrayed as current debt. However, these loans are presently in forbearance. Therefore, since these loans are in forbearance, my Credit Report should reflect that these loans are in forbearance and not indicated as current debt. In addition to this issue, my Credit Score under the Experian Credit Bureau plummeted XXXX points. No explanation was given. It appears these problems only happen to XXXX XXXX XXXXXXXX. At this point, I am frustrated. If Experian doesn't correct this problem, legal action will be pursued. There are many XXXX XXXX XXXXXXXX experiencing this same problem. Class Action is definitely an option. Hopefully Experian can willingly resolve this matter.
Consumer complaint received 2023-04-13
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is XXXX XXXX XXXX, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2022-09-11
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. (MA)

On XXXX XX/XX/21 it was reported on my credit that I had a late payment with XXXX XXXX XXXX, this information is incorrect.
Consumer complaint received 2022-02-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ready Capital Corporation (LA)

During hurricane IDA and the Covid-19 I had to take a forbearance on my home loan with GMFS mortgage. Late XXXX I called GMFS and they arranged a forbearance form XXXX. During the forbearance I was able to make payment for XXXX XXXX  XXXX. The only payment I was unable to make was XXXX. So I called and arranged a forbearance payment plan with GMFS mortgage in XXXX XXXX, LA. 
We agreed to add on an additional amount to my monthly payments for the missed payment in XXXX. GMFS assured me that this would not go on my credit. GMFS mortgage later reported I was delinquent on my mortgage and GMFS claimed it was for XXXX payment. GMFS then claimed that it was for my forbearance and stated that they have the right to report late payments regardless if I was on a repayment program or not. 
I tried to explain that a mistake must have been made but they did not listen to any of my concerns. I have attached my payment history printed from GMFS mortgages website. The payment history clearly shows I am not lat on XXXX payment and have remained faithful to our repayment plan. My name is XXXX XXXX XXXX.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC (TX)

*** see attached*** I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNT REPORTING. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : LETTER TO REMOVE INACCURATE CREDIT INFORMATION To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 

Here as follows are the items in error : ACIMA DIGITAL FKA SIMP XX/XX/2022 Balance : {$5300.00} Account Number : XXXX I am unaware of the above-listed account. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a CAREFUL record of your actions.

Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1 ). Defamation 2 ). Negligent Enablement of Identity Fraud 3 ). Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the XXXX XXXX XXXX along with an online public press release, including documentation of any potential small claims action. 

Thank you for your cooperation in this matter, XXXX XXXX