davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (SC)

I bought a house XX/XX/XXXX for {$220000.00} I had a credit score of XXXX/XXXX, I was put into an FHA loan because I was told that I only had 10 % down payment. XXXX  XXXX XXXX bought the loan@ 3.625 % ( until XX/XX/XXXX ) they transferred the loan to Carrington Mortgage XX/XX/XXXX/XX/XX/XXXXBalance was {$180000.00} before payment of {$1300.00} on XX/XX/XXXX. Carrington Mortgage took over w 1st payment starting XX/XX/XXXX@ 3.625 % ( until XX/XX/XXXX ) ... 
XX/XX/XXXX intrest rate went up to 4.625 % New payment was at {$1400.00} then dropped to {$1400.00}. I had contacted them in XX/XX/XXXX about removing my PMI due to the equity/value of my home & received a letter back From Carrington mortgage stating premiums are set to cancel XX/XX/XXXX based on original closing documents or per Hud principal balance must reach a {$170000.00} in order to qualify for early cancelation current principal balance is at {$180000.00} I have contacted them again and no response. As of my statement Date XX/XX/XXXX payment due date XX/XX/XXXX my principal balance was at {$170000.00}. 
My current principal balance as of XX/XX/XXXX is a {$170000.00}! My house is currently valued at {$260000.00} ( without any of the upgrades I have done ) Not only have they not removed my PMI but on several statements they're showing " past due balance '' {$5.00} or {$10.00} Which is what they actually charge to make a payment online with your checking account. They are continuously sending emails, mailings and calling wanting me to do a refinance on my house. Please Help! I have contacted my lawyers to contact them and they have not responded to my lawyers. 
Where do I go from here?!!?
Consumer complaint received 2023-05-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to request the immediate removal of the accounts and associated information listed below from my consumer report. It is imperative that these accounts and information are not reported, as their presence violates the FDCPA and FCRA. This violation of multiple laws necessitates their immediate deletion from my consumer report. Please take prompt action to remove these accounts and information without delay.
Consumer complaint received 2020-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

This saga started in XX/XX/XXXX, when I called LoanCare to determine the amount of refund we should expect from our Borrower-paid Single-premium PMI policy if we refinanced our loan and paid off the balance serviced by LoanCare. It took several calls to get any kind of answer, and then they told me I had to call the actual insurance company to get that amount. I called that company, and they laughed at me. " You are not our customer. We will only talk to LoanCare. '' Subsequent to the XX/XX/XXXX payoff of our loan via that refinancing, LoanCare is refusing to respond to repeated inquiries about the status of the refund of the unearned premiums due us from our single-premium borrower-paid PMI policy. This is in direct violation of the Homeowners Protection Act of 1998. Here is the specific language from the HPA : " After informing the mortgage insurer of cancellation or termination, you must send notice to the borrower that you canceled or terminated PMI. You must send this notice not later than 30 days after you have canceled or terminated PMI. The mortgage insurer then has 30 days to return any unearned premiums to you. You, in turn, have 45 days to return the unearned premiums to the borrower. '' No notice has been sent by LoanCare, and they are refusing to acknowledge that they have any obligations to do so. 

Multiple emails ( attached below ) were ignored, and when I finally reached " XXXX '' by phone ( on XX/XX/XXXX ), she clearly didn't understand what a single-premium PMI policy is ( despite being in LoanCare 's " insurance '' group ). After first telling me that we received a " PMI refund '' as part of our escrow refund ( which we did not ), she put me on hold again -- returning to tell me that there is no refund due for our policy. I asked for documentation for why that is the case, and she promised that I would be receiving that by COB. 

Crickets. Based on the fact that multiple previous interactions have resulted in zero response, I am confident that LoanCare believes they can continue to avoid their responsibilities in this matter.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (IN)

A few days out of the past week I tried calling Nelnet XXXX. XXXX I waited over XXXX minutes, no answer. The second call, I waited on hold over XXXX hours. No answer. I sent an email message, no answer. I applied for the XXXX XXXX  and the student loan.gov website says my payment should XXXX, and the Nelnet online portal says Ill be charged XXXX within the next XXXX weeks. This is unacceptable.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (IL)

I had a store account with XXXX XXXX - Comentiy Bank that I requested be closed on XX/XX/XXXXXXXX XXXX. I have documentation from the bank showing they agreed and confirmed the account was closed on that date. My credit report shows the account closed as well. My issue is that comenity bank hasn't truly closed the account ; they have been charging me monthly interest fees at {$3.00}, then throwing late payments on top of that. I didn't realize this was happening until XXXX XXXX I found out because they reported late payments to the credit bureau. I immediately contacted them to see why I was incurring charges on an account that has been closed.They stated the account was closed again, so I thought the situation had been handled. Fast forward to XXXX XXXX, XXXX I get hit with a {$230.00} late payment from them. At a loss, I paid it, I know I didn't owe, but I was hoping that would resolve the issue. The account officially had a {$0.00} balance again effective XXXX XXXX, XXXX. Sure enough, on XXXX XXXX, I was hit with an interest charge of {$3.00}, so it seems they have started the cycle all over again. every time I call the company, they either assure me the account has been closed, or hang up on me after placing me on hold. I believe the practices they are using are predatory, and I would appreciate it if someone would investigate further so this doesn't happen to others moving forward. It has been a nightmare, all I want is for the account to be actually closed and not to be charged moving forward.
Consumer complaint received 2019-12-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NY)

My issue is with Quicken/Rocket Mortgage, we applied for a conventional loan and they set it up as a FHA loan. The real estate agent sent them emails letting them know we want a conventional loan. I paid {$XXXX} for an appraisal that would not pass the lender under a FHA loan. They deliberately did this and refuse to change the loan to conventional. I would like my money back for their deception in this process, they were looking into making a quick buck and not assisting me acquiring a loan. 

Date : XX/XX/2019 Amount : {$XXXX}
Consumer complaint received 2019-12-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (TX)

After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with an account listed under RMP Services LLC. I requested a validation on XX/XX/2019 as there was XX/XX/2019 I reviewed my credit profile again as RMP Services LLC had not responded but the account was reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/2019. Credit report was reviewed again on XX/XX/2019 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit  bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX is reporting my Account inaccurately at first I mailed them to prove their must have been something wrong because I do not ever remember having any collections on my account then when they responded back to me I looked further ino the account and notice it had some issues in its reporting Collection should be coded under " OTHER '' or " O '' not as either a INSTALLMENT ( " I '' ) nor as a REVOLVING ( " R '' ) account. 

The ARGUMENT I CONTEND is that this MISAPPLICATION of proper TYPING creates a DECEPTIVE REPORTING DEROGATORY and in effect MIS-REPRESENTS the consumer 's TRUE CREDIT UTILIZATION RATE! 

See, for a " O '' mark, the AMOUNT of debt would NOT MATTER as a $ XXXXdebt would be EQUAL the negativity weight as a $ XXXXdebt ( given ALL OTHER aspects similarly reported that is such as age ). However, misappropriating a CHARGE-OFF under the " R '' type for REVOLVING as opposed to " O '' for OTHER as it should be allows for the AMOUNT of the debt to matter DRASTICALLY where a $ XXXXdebt would have near zero effect on the consumer 's CREDIT UTILIZATION RATE whereas a XXXX DOLLAR DEBT would SIGNIFICANTLY XXXX that client 's CREDIT UTILIZATION RATE there also SUBSTANTIALLY and NEGATIVELY more effecting the DEPTH OF THE DEROGATORINESSES of the reported claim ( s ). 

Also this Account his inconsistent Dates of last payment and last activity which makes it very hard to consider verifiable or accurate FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the XXXX Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ). 

U.S. Code1692e.False or misleading representations 8 )  Communicating or threatening to communicate toany personcreditinformation which is known or which should be known to be false, including the failure to communicate that a disputeddebtis disputed. 




This Account has been disputed multiple times all i have received is itemized letters which do not satisfy the explanation of the debt according to the FDCPA and the FCRA, I have received no explanations for the balance and past due balance still reporting on a charge off or different DOLA and as I XXXX information on this issue with the company I can clearly see I am not alone various consumers suffer this same issue which will eventually lead to a consumer lawsuit.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

XXXX XXXX is reporting my Account inaccurately at first I mailed them to prove their must have been something wrong because I do not ever remember having any collections on my account then when they responded back to me I looked further ino the account and notice it had some issues in its reporting Collection should be coded under " OTHER '' or " O '' not as either a INSTALLMENT ( " I '' ) nor as a REVOLVING ( " R '' ) account. 

The ARGUMENT I CONTEND is that this MISAPPLICATION of proper TYPING creates a DECEPTIVE REPORTING DEROGATORY and in effect MIS-REPRESENTS the consumer 's TRUE CREDIT UTILIZATION RATE! 

See, for a " O '' mark, the AMOUNT of debt would NOT MATTER as a $ XXXXdebt would be EQUAL the negativity weight as a $ XXXXdebt ( given ALL OTHER aspects similarly reported that is such as age ). However, misappropriating a CHARGE-OFF under the " R '' type for REVOLVING as opposed to " O '' for OTHER as it should be allows for the AMOUNT of the debt to matter DRASTICALLY where a $ XXXXdebt would have near zero effect on the consumer 's CREDIT UTILIZATION RATE whereas a XXXX DOLLAR DEBT would SIGNIFICANTLY XXXX that client 's CREDIT UTILIZATION RATE there also SUBSTANTIALLY and NEGATIVELY more effecting the DEPTH OF THE DEROGATORINESSES of the reported claim ( s ). 

Also this Account his inconsistent Dates of last payment and last activity which makes it very hard to consider verifiable or accurate FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the XXXX Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ). 

U.S. Code1692e.False or misleading representations 8 ) Communicating or threatening to communicate toany personcreditinformation which is known or which should be known to be false, including the failure to communicate that a disputeddebtis disputed. 




This Account has been disputed multiple times all i have received is itemized letters which do not satisfy the explanation of the debt according to the FDCPA and the FCRA, I have received no explanations for the balance and past due balance still reporting on a charge off or different DOLA and as I XXXX information on this issue with the company I can clearly see I am not alone various consumers suffer this same issue which will eventually lead to a consumer lawsuit.
Consumer complaint received 2023-06-07
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. (NJ)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

I received my federal income tax return on XX/XX/2024 I was on vacation inXX/XX/XXXX visiting family and my account was working just fine for a few days until I tried to book anXX/XX/XXXXXXXX for mt XXXX birthday Citi bank decided to lock my account and I could not access my account even going to the bank with proper verification they refused to unblock my account. I went to a second Citi bank a few days later I was there for XXXX hours and was able to get the account unblocked the very next day the put another block on my account and I couldnt access my money again I went back to the bank and with proper verification and then I find it that they are closing my account and they would not tell me why my account was being close or why I couldnt have my money. I was told I would receive a check by mail at my home in XX/XX/XXXX. I explained to the manager at the bank that I was on vacation and if I didnt have access to my money that me and my XXXX children would be completely stuck and I wouldnt be able to buy food or diapers or even be able to pay my gas to drive back toXX/XX/XXXX when my children needed to attend school and I needed to go back to work. I was stuck in XXXX  with my children for 3 months because the bank would not give me my money and still today they have not given me my money it is {$XX/XX/XXXX} at that time and then money was sent back to my account because of payments that didnt go through. It has been months and I have yet to receive my money every banker I speak to ends up hanging up on me or scheduled a call back and I never receive a call back
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

A long time ago, I opened an ESA for my daughter. The bank ownership changed many times but landed on Capital One. A couple of years ago, I closed the account and awaited a check. The check arrived too late to cash anymore. I have been actively seeking a check reissuance ever since. The process seems impossible and any time I think I've figured it out, I have to start all over. At this point I certainly feel like I am owed some additional interest. Still just trying to get anything at all.
Consumer complaint received 2023-02-24
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: Experian Information Solutions Inc. (TX)

There are fraudulent accounts by this company that were opened in my name as the result of identity theft, I reported this to the XXXX XXXX onXXXX after I reviewed my free annual credit report and saw the accounts on my file. I filed a report case # XXXX with XXXX XXXX XXXX on XXXX regarding this theft and use of my identity.
Consumer complaint received 2022-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of the Hudson Valley, Inc. (NJ)

This is not a refusal to pay an alleged debt! Collection Bureau of Hudson Valley claims that I am obligated to pay them an alleged debt. Collection Bureau of Hudson Valley shall provide me with the original instrument of indebtedness ( signed contract ) or proof that it still exists. If Collection Bureau of Hudson Valley can not provide the original instrument or proof that it still exists, then Collection Bureau of Hudson Valley shall send me an original statement affirming that Collection Bureau of Hudson Valley did not sell the original instrument because if Collection Bureau of Hudson Valley didn't sell the original signed instrument of indebtedness ; then Collection Bureau of Hudson Valley should be able to produce the original instrument or note. Only the holder has the right to collect on an instrument and an instrument is not a typed or printed statement or payment history that lacks a signatory. I will pay the alleged debt when Collection Bureau of Hudson Valley produces original instrument or proof that it has not been sold that proves that I am obligated to pay Collection Bureau of Hudson Valley. Also please produce the trilateral contract between me ( consumer ), optimum, and Collection Bureau of the Hudson Valley that shows I agreed to do business with Collection Bureau of the Hudson Valley along with Optimum or on behalf of optimum. Truth in Lending Act as well as the freedom of information act says I am obligated to have proof of the original instrument of indebtedness. Again, this is not a refusal to pay but instead I am exercising my federally protected rights as a consumer!
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE DISPUTED XXXX ON MY CREDIT REPORT SEVERAL TIMES AND I JUST RECEIVED A RESPONSE FROM XXXX STATING THIS HAS BEEN VERIFIED WITH THE ORIGINAL CREDITOR YET THERE IS NO USAGE REPORTS, NO PROOF OF DELIVERY, AND I NEVER RECEIVED ANY SERVICES FROM XXXX XXXX XXXX. I JUST SEE A BILL BUT NO PROOF AND I AM ADAMANTLY DISPUTING. I CAN NOT PAY FOR SERVICES THAT I DID NOT RECEIVE AND WHEN I ASKED XXXX XXXX XXXX THEY STATE THAT THEY SEE THE PHONES WERE NOT ACTIVATED AND NOT USED. I NEVER RECEIVED ANY PHONES AND I CAN NOT PAY. I HAVE XXXX AND I HAD XXXX DURING THAT TIME FRAME. I WILL PAY IF THEY CAN PROVIDE YOU AND I MY SIGNATURE AND USEAGE. THIS IS THE INFO THAT THE COPS WOULD NEED TO PRESS CHARGES ON WHOMEVER GOT THESE PHONES IN MY NAME. I WANT THIS REMOVED OFF ALL OF MY CREDIT BUREAUS UNLESS A PROOF OF DELIVERY, SIGNATURE AND USEAGE IS PROVIDED. THEY CAN NOT EVEN PROVIDE ME A PHONE NUMBER FOR THESE SERVICES. I DONT THINK THIS IS RESOLVED BY JUST THE CREDITOR STATING THIS ALONE WITHOUT PROOF
Consumer complaint received 2018-12-04
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 — Investigation took more than 30 days
Company: National Auto Lenders, Inc. (TX)

Sent dispute letter on XX/XX/18 & they failed to mark disputed within 30 days on credit bureau reports, as required by law. See attached credit reports, proving that they failed to do so.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I applied for an extension of credit through XXXX and was denied for many reasons, most I do not agree with but XXXX of the biggest issues I see is that XXXX was used to make adverse actions against me. I've never done business with XXXX and thusly never consented for them to to share my information, let alone have my information. I am confused how they acquired my information. How can a company have and share my personal, private information without me ever speaking with them?