davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (MD)

We purchased our home on XX/XX/2020. Caliber home loans INC financed our purchase with a conventional loan. We refinanced about a year later with them again, that refinance has the original purchase square footage correct. 
After the market values increased tremendously in maryland area we decided to refinance again as we did work to our home, and market value increase to remove the mortgage insurance. We made contact with them ( same rep ), on XX/XX/XXXX, and initiated the process. Spoke to XXXX XXXX First thing is, he never mentioned we didnt need to refinance, just have an appraisal and ask for mortgage insurance to be removed ( we were not aware of this at first ). 
It only went worst from there. 
The first appraiser they sent profiled our XXXX  household, and undervalued the property grossly, but had correct square footage. We contested that appraisal, bringing to their attention as to what happened. They sent a second appraiser, and this time, they didnt take away from the market value, but reduced the square footage of our home from the listed square footage that was on sales papers by previous owner, on settlement papers, and the appraiser sent by the caliber home loans INC in order to go to settlement. We then brought it to their attention that the square footage is not correct on last appraisal, and they confirmed by email, that thats the square footage they will now consider. Completely disregarding that we, according to them now, have been paying for fraudulent amount of space according to the settlement papers and their numbers now, or they are finding a different way to have us still continue paying the mortgage insurance by reducing the square footage, and thus the value. They acknowledge the house has been updated, we presented a list of updates in aproximate amount of XXXX. 
By reducing the square footage we are missing the equity by slightly over 3 % less then required to remove the insurance. The 515 square feet would have more then made up for the 3 %. 
This can not be a standard practice!! 
This is blatant fraud
Consumer complaint received 2022-02-27
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. (FL)

I have disputed the information with XXXX over 30 days ago. I also disputed with XXXX and the information was not able to be verified and was removed and update. XXXX fail to do the same. I am attaching my XXXX report. Please have XXXX to update the records to reflect the accurate information that XXXX has within 30 days.
Consumer complaint received 2022-02-27
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: American Credit Acceptance, LLC (TX)

For almost a year and a half I have submitted my payment biweekly from my bill pay to where the funds are deducted from my account and issued to American Credit Acceptance within 24-48 hours. I have repeatedly had late payments placed on my credit report to which had greatly diminished my credit score. I have contacted the institution to resolve the matter by sending copies of bank statements reflecting payments being deducted from my account and issued to the institution on my behalf. The most recent interaction was on XX/XX/XXXX and again from my credit union to which i have received emails stating the institution is refusing to communicate with them. In XXXX and XXXX of XXXX multiple payments were issued and posted outside of the date they were received and I have multiple documents from my financial institution detailing such. The payments were posted to the account two and three weeks after received. 

When i make payments online I continue to receive alerts that my payments are not made when i have confirmation numbers and proof of funds being recieved.
Consumer complaint received 2022-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

My actual issue is with two debt buyers who after three rounds of letters have refused to validate their ownership of my debt and provide proof of my contract with them to pay. They are also reporting on one of the credit bureaus that I have a late payment of 120 days ( EQ ). This is false and inaccurate information and I request that the below mentioned accounts be removed from all three of the credit bureaus. 

XXXX XXXX Account # XXXX Portfolio Recovery Account # XXXX and XXXX
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources (NC)

FIRSTPOINT COLL RESO Ive settled this account in full over a year ago XX/XX/22. Ive tried to contact this agency several times with no answer. Why is this still reporting on my XXXX credit report? This should have been removed within 30-45 days after payment was made or received. Even on the report it says the count was paid in full however, its still reporting negatively and inaccurately as a collection account as active but paid off? Please remove this from my XXXX credit report immediately. I have tried to contact the company countless times with no answer at XXXX Ive also reached out for an explanation via mail and still no response or answer over a YEAR!!!!!!
Consumer complaint received 2022-02-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Minto Financial dba Minto Money (MD)

I just started noticing payments of {$240.00}. Being taken out of my account since XX/XX/2021. I never applied for a payday loan and when I got the loan document my personal information was incorrect and the loan was for {$900.00} and the repayment is {$4800.00}. Please help
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

On XX/XX/XXXX XXXX posted a collection on my credit report that they purchased from another collection agency ( ENHANCED RECOVERY CO L ), or they change name. Originally, I already filed a disputed back in XX/XX/XXXX. I stated that it was an identity theft. The collection was removed from my credit report. Now it shows up again with a different company. I called XXXX directly to tell them that a drug addict individual that I shared the house with, stole my identity. I opened an account for XXXX internet, and that was it. I didn't open any account with mobile service. The police department can't do anything unless I can get some form of identification from the individual. The guy got evicted couple of years ago when I will living at the old house. There is no way to track him down or known his where about. I didn't know about until last year.
Consumer complaint received 2022-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP (MD)

I was recently charged a {$3.00} " Paper Statement '' fee on my Key Bank Checking account. 

I am not worried about the {$3.00} ; however, to ensure this fee was legitimate, I contact Key Bank ; and requested they provide me with the terms and conditions of my account as this was a new charge. They said that they previously mailed it. I requested this in mail, again, -- -but they said that they could not do this ; as it was online.

I asked them to show me, where on my online account, it was ; and after being disconnected twice- they finally directed me to a public page -- -that had some information; but said nothing about the {$3.00} ( There was a different page that actually said 1 statement a month was free ; and additional requests were {$6.00} ). 

When I attempted to contact them again, I reached the same chat representatives ( XXXX and XXXX I tried multiple times to re-connect ; but they disconnected me each time. 

It appears as though Key bank is not being transparent with fee schedules and other terms and conditions with my account ; as they will not send me this by mail ; at my request -- and they have been unable to show me how to access it on my online account after several attempts.
Consumer complaint received 2022-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (IL)

My loan with Dovenmuehle XXXX XXXX was paid off in XXXX of 2021. I have reached out to them multiple times to receive the deed and have still not gotten it. I'm trying to sell the property and need the deed to complete the transaction. 4+ months to get this me is unacceptable.
Consumer complaint received 2019-07-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (FL)

1. I was repeatedly receiving calls from NCB Management at home, and on the work phone. I sent NCB a letter on XX/XX/2019 ( attached ), advising them to : ( a ) stop calling me at my place of business, as my employer forbids this. 
( b ) stop using deceptive practices such as using local numbers for out of state collection companies. This deceives the intended recipient into thinking it is someone local. The collection agency does not have a local or instate office. 
( c ) On XX/XX/2019 I received a letter from NCB that stated in writing they I would no longer receive calls from them. ( attached ) ( d ) Despite receiving the above letter of XX/XX/19, on XX/XX/2019 I received a phone call from NCB, on my work phone, again using the same local deceptive number. I took a cell phone picture of my work phone ( attached ), which clearly shows the date and time. 

2. I never received a notice of validation of debt from this debt collector when i asked for it again in writing on XX/XX/19 ( attached ), I still never received it.
Consumer complaint received 2024-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OR)

I have had multiple issues with them. My account was on IDR when transferred to Nelnet, I set up auto debit but it continues to push out the due date so I need to manually go in each month and make a payment or it continues to accrue interest. I have two loans of equal interest rates and make payments large enough to cover both the interest and principle on both but they continue to apply the payments to one loan so the interest capitalizes on the second loan. I've asked for them to correct it but they continue to not apply it to the second loan so I'm continuing to accrue interest. They are utterly incompetent and costing me additional money and no one will do anything about it.
Consumer complaint received 2023-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (KS)

Had some unauthorized transaction credited to my PayPal account Instantly reported these transactions asking for full amount to be refunded back to account as to be expected the account became limited status till investigation of transactions were resolve and a full refund was pending and account limitations lifted but still no access to the funds returned after waiting for pending balance to deposit I reserved email from PayPal saying account limitations were lefted to full access so I figured the money would be to but shortly after that email I reserved one from them say my account was permanently limited and said I would not be able to use there services anymore All I want is the available balance withdrawal out but I guess there is a hold on it and will receive a email from them in 180 days But times are tough all over I need that money to live
Consumer complaint received 2015-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MA)

XX/XX/2015, a XXXX representatve called me and asked me if I wanted to renew a protection agreement on a washer and dryer. Having had issues with the unit, I agreed. The company asked if they could bill a XXXX XXXX Card on file ; I agreed, but the company representative never confirmed a billing arrangement and I assumed I would receive a bill in the mail. Months passed, and I did not receive a bill. Finally, I received a threatening letter from XXXX that informed me that I was 30 days past due. I quickly called the company, made an over-the-phone payment and the company agreed to waive my late fee. I also learned that my bills were sent to an email account that I rarely use. In XXXX of 2015, I decided to check on my credit and learned that it had dropped by approximately XXXX points with all three bureaus. I immediately learned that XXXX, XXXX ' credit affiliate, reported me 30 days late to the credit bureaus. I disputed this charge, with the credit bureaus and the company, but none of these sources agreed to reverse the claim. Keep in mind that I did not receive any of the bills and XXXX conceded fault by waiving my late fee.
Consumer complaint received 2022-02-27
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P. (NJ)

Resurgent Capital Services, has been harassing me by way of extortion by attempting to collect on an {$1300.00} extension of credit I provided XXXX  XXXX BANK. Since XX/XX/XXXX, every other day until present day ( XX/XX/XXXX ). 
Ive received over 20 unauthorized emails with offensive obscene & profane language. Each email claiming I owe an alleged debt for extending credit to another business. These false claims that I am in debt are obscene and is causing mental and emotional distress and injuries. In addition, I never gave Resurgent Capital Services direct consent to contact me and attempt to extort me of an alleged debt of {$1300.00}, pursuant to 15 USC 1692 ( c ). My reputation is being attacked and my character by the repetitive profane language used against me.
Consumer complaint received 2019-07-16
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: EQUIFAX, INC. (WA)

Equifax and XXXX are reporting incorrectly a collection on the XXXX partial account number XXXX in the amount of {$12000.00}. ( Please see pages 36 and 37 of the attached credit report. ) These student loans have been consolidated and therefore not be reporting on my credit report. This incorrect reporting is harming my credit score and these line items need to be removed.
Consumer complaint received 2017-09-06
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. (VA)

In XX/XX/XXXX I disputed the following items on my Credit report and the bureau was not able to verify them but did not provide any information that supported these accounts were accurate or belonged to me as requested. I would like them removed from my credit report. 


XXXX XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XXXX ).
Consumer complaint received 2017-09-06
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. (VA)

In XXXX I disputed the following items on my Credit report and the bureau was not able to verify them but did not provide any information that supported these accounts were accurate or belonged to me as requested. I would like them removed from my credit report. 


XXXX XXXX XXXX credit record ( # XXXX, opened XX/XX/XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XX/XX/XXXX ). 
XXXX XXXX XXXX XXXX credit record ( # XXXX, opened XX/XX/XXXX ). 
XXXX XXXX XXXX credit record ( # XXXX, opened XX/XX/XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XX/XX/XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XX/XX/XXXX ).
Consumer complaint received 2022-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CT)

XXXX XXXX2022 I received a Credit card was opened by using my social security number through the mail. Card has a balance of {$18000.00}. The person used my adress as well to obtain the credit card.
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (PA)

I received three letters from two separate credit card companies letting me know my " application '' had either been denied or, in one case, they needed more information. I have freezes on my credit lines due to identity theft that took place in XX/XX/2022, so that was why the accounts were not able to be opened immediately. However, someone is trying again. 

Two notices were from Citi Cards and one stated that they were denying it because of multiple applications submitted. I haven't called them because there is not a phone number anywhere on either notice. 

One notice was from XXXXXXXX XXXX for a XXXX credit card. They are the ones asking for more information. 

In XXXX  I received email notifications, so they were actually using my email. This time I haven't, so I assume they applied with a different email.
Consumer complaint received 2024-03-08
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. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of XXXX XXXX  i found XXXX accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 
Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2022-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (MD)

Re : Collection agency Rent Debt Collections Contact XXXX XXXX XXXX XXXX, TNXXXX XXXX XXXX ) XXXX The aforementioned collection agency harassment with malicious intent. FDCPA Violation I am being targeted by this collection agency because of my profession and the assumption of a high income. They are reporting {$2900.00} dollars to my credit bureaus as a deliberate action with malicious intent. I only noticed collection account when I checked my credit report. Up to this day XX/XX/2022 I have NEVER received any official/written communication from this agency. I am requesting proof of written communication. No random letters without proof of receipt. By law I should have been given 30 days to provide documents to dispute before this was reported to my file. In addition, I have requested proof of debt, proof of the amount this debt was purchased from the original. 
This collection agency maliciously/purposely DID not send me a notice of collection ; collection agencies are required to mail a written notice aka. validation notice. ANY NOTICE SENT NOW, AFTER I HAVE BROUGHT THIS TO THEIR ATTENTION THROUGH A COMPLAINT is laughable. It should have been done in a timely manner. They illegally have reported this account to my credit file, multiple level of violations. IF THEY CLAIM THEY HAVE MAILED ME ANYTHING, I AM REQUESTING PROOF THAT I RECEIVED ANYTHING! SENDING LETTERS TO RANDOM ADDERESSES DOES NOT COUNT. A backdated letter which is often created as a tactic by collection agencies should be evident. Anyone can create a letter and backdate it to even the earlyXXXX 's, However they must prove the letter left their office and was received by the consumer. A simple tracking number would be fine or proof of certified mail.
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, Transunion and XXXX have violated my rights per 15 U.S.C 1681 section 623 which states consumer reporting agencies must report accurate and true addresses.