davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (NJ)

THE COMPANY, MERCANTILE ADJUSTMENT BUREAU, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002 ( 1 ). I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Wheras the holding or dealing in the gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in a amount in money policy ; and.. .Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public or private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigate consumer report means a consumer report or portion thereof in which information on a consumers 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. 
According to the Fair Debt Collection Practices Act, codified as 15 USC 1692, you, as a Debt Collector are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your Debt Collection services could fax, mail or email in a fraudulent account. 
Your failure to verify* this account is trespass on right to privacy and to contract. Under the FDCPA, unverified accounts are considered a Fictitious Obligation and any demand for payment of such is an attempt to extort and administer property without right.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX is reporting multiple 120 lates on my credit report. I have never paid my account 120+ days late. I have contacted XXXX XXXX to correct this reporting with no resolve.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX is reporting multiple 120 lates on my credit report. I have never paid my account 120+ days late. I have contacted XXXX XXXX to correct this reporting with no resolve.
Consumer complaint received 2021-11-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: States Recovery Systems, Inc. (CA)

First Tech was notified that I was permanently XXXX when I attempted to settle the debt for less. The amount that I was able to pay the credit card was {$2500.00}. This amount is the most that I could obtain and yet they advised me to contact them at another month to see if the offer would be accepted. They advised me that not paying the credit would have them attach my XXXX XXXX XXXX  and cause futher XXXX The account was sent to a third party who is not willing to honor what First Tech advised and threatend to make my credit worse and inclusive of law suit.
Consumer complaint received 2021-11-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (AR)

I did not open an ATT U-Verse account on this date, in my name or anything of the matter. This is hurting my credit by them saying that I owe them {$1600.00}. The company is some company that AT & T must have hired. ( ^ IC SYSTEMS COLLECTIONS XXXX Address po box XXXX XXXX XXXX , MN XXXX Date Opened XX/XX/XXXX Account Type Open Account Phone ( XXXX ) XXXX Balance {$1600.00} High Balance {$1600.00} Past Due {$1600.00} Date Closed XX/XX/XXXX Responsibility Individual Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX Original Creditor XXXX XXXX XXXX Pay Status >In Collection< Estimated month and year this item will be removed XX/XX/XXXX They are adversely hurting my credit & I did not open this account!! Please help me. Thank you so much for your time & due diligence.
Consumer complaint received 2021-11-16
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)

Equifax is reporting misleading information on alleged late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX- which falls under 15 U.S. Code 1692e. False or misleading representations. Also, I have not given them any written consent to furnish any information ; 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. This has caused a total of {$4000.00} in damages according to 15 U.S. Code 1692k - Civil liability.
Consumer complaint received 2019-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NY)

Company claimed that the debt is mine. I never had an account with the company. They refuse to send me any information with my signature on it or original document/ contract with my signature on it agreeing to open claimed account. This false report is impacting my credit and ability to obtain a job and home.
Consumer complaint received 2021-11-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I applied for a mortgage refinance with XXXX XXXX at PennyMac early XX/XX/2021 in order to secure a lower interest rate and monthly payments, of note my existing mortgage is already serviced by PennyMac, and I thought that would make it an easy process, but little did I know then. 
I quickly got approved for a full 1 % lower interest rate after the house appraisal went through, then came the repeat and erratic requests for documents for income verification, solar panel agreement/ etc, followed by 3-4 week periods of no communication, and calling them for an update resulted in requests for the same documents that were already previously provided, then another long silence period, another call to check on the status resulted in the issue of a revised agreement with higher fees and closing costs ( 2 months after the first offer was already approved? ) I demanded that they respected the first agreement and revise down the fees and closing costs to the initial amounts, then radio silence for another 3 weeks, punctured by occasional status update calls from a lady who would scream on the phone, but those calls were that totally non informative, so I called to get more details, and was told that my case was closed per my own request, and they cited some unknown email address that was used to request the closing of my case I, of course, immediately demanded that the case be reopened since I never asked them to close it in the first place, I was also assured that this would be handled by a supervisorchecking the website, all my previously requested documentation was requested once again, by then we were already in XX/XX/2021, and by then the low interest rate I was offered initially was just not available from any lenders due to the rates creeping up, and I get a survey email asking me about my experience with PennyMacand that is when I call them for a status update, and get told that my application was denied for a high debt to income ratio I cant help but suspect that I was dragged into a lengthy refinance application just to be denied 4 months later when the low interest rates were no longer available, wasting any chance I could I could have refinanced with another company. 
I also suspect that they intentionally declined this preventing me from obtaining a lower interest rate, which could have resulted in lower interest amounts collected by PennyMac over the life of my loan. 
Useful communication was inexistent with my loan officer, XXXX XXXX, who came across as duplicitous, dishonest, and vindictive, deciding to deny me a refinance when I demanded they stick with the initial offer terms with lower fees and costs, just as the interest rates went up so much that I missed the chance for a decent refinance with another company. 
My chance to refinance at a lower rate has been wasted by Pennymacs unscrupulous practices and blatant mismanagement.
Consumer complaint received 2021-11-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated (GA)

On XXXX XXXX, I contacted Caci - consumer adjustment in reference to a medical collection. First, I was informed that I would have to pay a convince fee of {$39.00}. I then asked if there was a place that I could pay online to avoid the fee. The answer was no. After I paid the fee plus debt, my account was charged instantly. I was told that I would be receiving an email with my receipt 7 business days after the payment was made. I called back after those 7 business days, and I was told that I did not receive my receipt because my email address on file was incorrect. Then, I was told that I would have to wait another 7 business days. After those 7 days I called back because I still did not receive my emailed receipt. I was then told that they would be mailing it. I still have not received my receipt via email nor mail. The collection is currently still showing on my credit report. Lastly, another agency call me in reference to this same debt, and I told them I have paid it. They instructed me to send the proof, but other than the funds being deducted from my account I do not have any proof. 
Thank you
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIRST NATIONAL BANK OF OMAHA (CA)

Ive had to speak with customer care every month since the card has been opened because the first time my payment was sent back because there was one number incorrect on the account number and ever since then my account has been placed on a block. I am unable to make payments online whatsoever and have to always calling my payments which is extremely upsetting and its XXXX me off because I am never late on any of my payments! Auto pay does not work and have had continuous trouble and Im tired of speaking to Customer Care because of these issues not only am I being charged late fees but your guises algorithm is reducing my credit line thinking that I am not responsible when I am!
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I called TransUnion for assistance with unauthorized inquires on my credit report. I spoke with a representative who was assisting me with deleting these inquires and the phone was disconnected. I then called back and spoke to another report who told me the inquires could not be deleted. I explained to the representative that I was previously being assisted with deletions before the phone hung up. I asked to speak to a supervisor who told me she would not assist me with taking care of the negative inquires reporting to my credit report. 

Inquires XXXX XX/XX/20, XX/XX/20 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP (NC)

I brought a XXXX  XXXX XXXX in XX/XX/2018 in the state of XXXX  XXXX. I moved to XXXX  last XXXX and I did a change of address threw the postal service however Honda failed to mail me my bill statements the last payment I made was in XXXX on XX/XX/XXXX my car was repossessed at my XXXX  address that Honda Financial failed to sent my payments to. So the guy whom repossessed my car told me all I had to Do was pay the months I was behind and will receive my car back. So the next day I called them to pay the two months I was past due and they informed me that I had to the pay the entire loan off before I can get my car back her name was XXXX and yet she was rude, and unprofessional.She even hung up in my face so I spoke with a supervisor by the name of XXXX who made me send in tons of paperwork to prove that I was capable of paying the car payment and also he was supposed to be seeing if Honda would release the car back to me if I paid my past due amount. So he never called me back so I called him Monday to see what they said and he stated to me that at this time Honda decide not to give you the car back so only option I had was to refinance it so me and mother called over 10 people to get the car refinance and every lender stayed that Honda over charged us for the car and the car is not worth XXXX its only worth XXXX.Soon as me and mother found a lender to refinance the car Honda financial report to the credit breau that the car was repossessed making it hard for me to refinance the car.For one they wrongly repossessed my car and didnt give me no notice or nothing they all were rude but XXXX and they over price a car thats not worth what they are saying its worth and they will not allow me to get my personal property out the car or get my personal tags off the car. Honda financial is a scam and I advice NO ONE to finance a car threw them. They are unfair to consumers and cheat there consumers. This just aint with me its all there consumers go yelp and read there reviews.
Consumer complaint received 2021-11-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

Around XX/XX/2021, Rocket Mortgage claimed to be able to provide loan pre-approval and pre-qualification letters to me based on the submission of financial information. They provided a " Prequalified Approval, '' which stated I qualified to borrow a certain amount from them that would not be contingent on the sale of the property I was then living in. Rocket Mortgage ( via their loan originator, XXXX XXXX ) claimed that my debt to income ratio qualified me for a loan with them despite my then mortgage, so I searched for a new home to purchase from XX/XX/2021, through XX/XX/2021. When I found a home to purchase in XXXX and submitted my offer to the seller, Rocket Mortgage then " conditionally approved '' my loan, with the condition that I sell my then-residence so that my debt to income ratio fell within their parameters, which condition was contrary to all the " Prequalified Approval '' documents Rocket had provided up to that point. RM uses deceptive practices to lure consumers and wastes their time by having them believe they can qualify for a loan with them and then when the loan application goes to their underwriting department, the loan suddenly can't be issued based on the promises made by their loan originators. This deceptive practice almost jeopardized my new home purchase and most certainly has caused other consumers to not be able to buy homes they had submitted offers on. They also charged me an exorbitant fee to do a credit check and an appraisal after I had cancelled my loan process with them.
Consumer complaint received 2021-11-16
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: World Acceptance Corporation (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The WORLD FINANCE CORPORATIO account is reporting late, yet it is closed and the balance is XXXX as reported in my Credit Bureaus. Lets review this now. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-11-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (CA)

My XXXX XXXX XXXX was financed through TD auto finance on XX/XX/XXXX and paid off sometimes in XXXX. Since the car was paid off TD auto finance has refused to release the title of my car. I have made several calls to this organization and was lied to by their staff that the car title is released. However, every time this organization makes such false claims DMV records show TD auto finance still holds a lean on my car, fraudulently. 
I have wasted hours to talk to representatives at TD auto finance and days at the California DMV to determine what the problem is. 
I feel like I have been targeted by this organization and discriminated against. 
I was unable to trade in my car yesterday, XX/XX/XXXX, due to TD 's purposeful discriminatory acts and I was humiliated at the dealership.
Consumer complaint received 2021-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Broward Adjustment Services (FL)

XXXX XXXX Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Social Security : XXXX Email : XXXX Reasons : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX  Account Number : XXXX Date Filed : XX/XX/XXXX Type of Account : AUTO LOAN Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Reason : THIS IS INACCURATE Account Name : XXXX, XXXX Account Number : XXXX DATE : XX/XX/XXXX Type of Account : AUTO LOAN Address : XXXX XXXX XXXX, NH XXXX XXXX Reason : THIS IS INACCURATE Date Filed : XX/XX/XXXX Account name : BROWARDADJUS Account number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, fl XXXX phone : XXXX Reason : THIS IS INACCURATE Account Name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, ia XXXX phone : XXXX Reason : THIS IS INACCURATE INQUIRY NAME : XXXX XXXX DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX  DATE : XX/XX/XXXX
Consumer complaint received 2024-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

My student loan servicer is MOHELA, and I was XXXX of the many affected by the billing errors at the restart of student loan payments last year ( XXXX ). Per the Dept. of Ed. policy and a mass email directly from MOHELA, my account was placed into administrative forbearance until the end of XX/XX/XXXX while the issues were resolved. 

Before even realizing that there was an issue, I diligently made the first " restart '' payment on XX/XX/XXXX in the amount of {$680.00}. However, the administrative forbearance went into effect, and the stated policy was to either refund payments made during the forbearance or to apply them to future balances if no refund were requested. I chose the default option -- expecting my 'overpayment ' to be applied to my XXXX balance of the same amount. Instead, I received a bill for XXXX in the amount of {$680.00}. 

I reached out to MOHELA twice through their secure messaging portal with details of this oversight. My first communication was on XX/XX/XXXX. After not receiving even a confirmation of receipt, I repeated the secure message on XX/XX/XXXX. 

I finally received a response to the first copy of the communication yesterday, XX/XX/XXXX. I am repeating the beginning of MOHELA 's response below : " Thank you for contacting MOHELA, We apologize for any inconvenience this may have caused. Payments made in XXXX and XXXX were not credited to future payments. " This response flatly contradicts the official statement of policy outlined in MOHELA 's email of XX/XX/XXXX titled " Regarding Your XXXX Billing Statement. '' The pertinent section of that statement reads " If you made any payment ( XXXX ) between XX/XX/XXXX, and XX/XX/XXXX, they will count toward your future payment ( XXXX ). '' MOHELA is not entitled to simply retain the payment from XXXX at its own discretion. It must abide by regulations and policy set forth by the Dept. of Education. In this case, MOHELA is explicitly reversing communicated policy and directives from the Dept. of Ed. 

In MOHELA 's XXXX XXXX response, they go on to insist that my position is inaccurate and that my account is delinquent in the amount of {$680.00} -- with a total amount due for XXXX of {$1300.00}. Based on their own official communications, this is incorrect and must be resolved as soon as practicable so as not to affect my creditworthiness going forward.
Consumer complaint received 2021-11-16
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. (NC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm tryin to advance in my life to provide for my family.
Consumer complaint received 2024-02-16
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: Experian Information Solutions Inc. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.