davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (FL)

Guaranteed Rate, Inc. ( " GR '' ) is my mortgage lender for the pending purchase of a house. This complaint involves the following GR employees XXXX XXXX ( VP of Mortgage Lending ) ( " XXXX '' ), XXXX XXXX ( Loan Coordinator ) ( " XXXX '' ), and XXXX XXXX ( " XXXX '' ) ( Production Manager ). 

After a number of other mishaps during the pre-closing process, we were first told that XXXX finally submitted our application to the real lender this past Friday ( XX/XX/XXXX ). We were scheduled to close today ( XX/XX/XXXX ). Despite assuring us on Friday that we were " on track '' to close on time, XXXX and XXXX failed to disclose of mistakes delaying our close. They then failed to answer direct questions -- on Friday, Monday, Tuesday, and Wednesday -- about when documents were sent so that we could evaluated whether closing needed to be moved and seek and extension from the sellers. Finally, at XXXX Wednesday XXXX -- hours before we were scheduled to close -- XXXX told me via a phone call that XXXX had mistakenly sent documentation to XXXX rather than the investor, XXXX XXXX, and that it lead to the delay. She then promised to provide me details in writing by the next morning so that I could assuage the sellers ' concerns and obtain an extension. 

On Thursday ( XX/XX/XXXX ), I received a call from XXXX informing me that the information provided by XXXX -- which I had shared with the sellers as we tried to work towards delaying the closing at the last minute -- was incorrect. In fact, no information had been sent to XXXX. Rather, when the XXXX XXXX underwriter had returned the file to GR on XX/XX/XXXX, it had done so with a direction that the property appraisal be sent to collateral underwriting. GR ignored that direction until it finally sent the appraisal over to collateral review on XX/XX/XXXX at XXXX XXXX. This was not disclosed to us until my call with XXXX on XX/XX/XXXX at XXXX. 

On that same call, XXXX assured me that there would only be a 3-4 hour turnaround once approval from XXXX XXXX was received because our filed would be in " rush '' protocol for GR. Coincidentally, XXXX XXXX sent over approval by collateral review just after our call, around XXXX on XX/XX/XXXX. XXXX left me a voicemail that afternoon indicating they had received approval and would " work on a closing for tomorrow on a rush. '' Despite those promises, as of XXXX on XX/XX/XXXX the file is still " in line '' to be reviewed by underwriting. The sellers are now threatening not to extend the contract. XXXX is backtracking on his promises yesterday, saying in a XX/XX/XXXX XXXX e-mail to me that " I never once said we were closing today. '' GR is refusing to take accountability, refusing to fix the problem, and refusing to make amends for their errors.
Consumer complaint received 2019-04-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CT)

We purchased our home in XXXX CT in XXXX with a XXXX XXXX. In XXXX we refinanced with XXXX XXXX  via a local real estate company, XXXX XXXX. Mortgage was assigned to XXXX In XXXX and to GMAC in XXXX. We refinanced with XXXX  XXXX XXXX in XXXX and paid off that mortgage in XXXX. We are applying for a Home Equity Line of Credit and can not qualify because GMAC never filed a release of that mortgage when it was refinanced with XXXX  resulting in an old lien on the home. Attorney who handled all transactions is dead and his records from that time dont exist any longer. We have no proof of payment to GMAC. XXXX says its not their problem. Title Insurance cant cover since its a mortgage we imposed. GMAC doesnt exist anymore and XXXX, who took them over, hasnt responded to request to research/inquiry. We have a real estate attorney who is exploring options to resolve but as yet he hasnt met with success.
Consumer complaint received 2019-04-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Receivables Group, Inc. (TN)

Healthcare receivables group, XXXX XXXX XXXX XXXX # XXXX XXXX TN XXXX. Was contacted about the alleged debt. Demanded validation and demanded they send me a written bill. They refused and reported it to credit reporting agencies. 

Don't know if I owe this debt since they won't validate but my credit score has dropped over 50 points because of this.
Consumer complaint received 2019-04-24
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SYNCHRONY FINANCIAL (AR)

Repeated phone calls and leaving messages that its a debt collection call because of deficiency, asking personal questions about me as a person in my place of employment, spoke with other staff member in my place of employment, leaving threats in my phone, sent a threatening letter.
Consumer complaint received 2019-04-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (MO)

I attempted to call again to make the payment by phone and your representative was rude once again. I am including this {$4000.00} payment to you and demand the lien to be released on my vehicle and the credit reporting agencies to be updated immediately. You fraudulently mislead me into the transaction of the vehicle to begin with, then after numerous attempts to notify you of issues with the CFPB that have went unanswered you offer a settlement agreement which after making payments you state is going toward the balance of the account instead of to pay it in full. Under Missouri Law that has been a breach of agreement on your companies behalf, I have suffered losses due to the fact I have had to keep the vehicle longer and now the car is not even worth {$7500.00} with the condition it is in. I am making this payment to get this off my credit report because your actions are inflicting financial harm against me and trying to talk to Chrysler about it is not resolving all issues. Mail me my lien release and notify the credit bureaus immediately. Also you should be aware I plan to file a civil lawsuit in the western federal district court against your company under the Missouri Breach of Contract. This is not what we agreed to and this payment is being made under duress, because unless I comply and do what you say which is unfavorable to me my credit will be further harmed. So here is your payment, just please note is will be followed by a {$75000.00} lawsuit request. ( Cashiers Check is only attached to receive lien release and clear credit report so my score is not continually brung down while we go through the upcoming lawsuit I will be filing that will take additional time. I have complied, but you have not. Your phone rep was also attempting to charge me more then the {$7500.00} in extra fees which is another breach of the agreement.
Consumer complaint received 2023-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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 XXXX XXXX
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Professional Debt Mediation, Inc. (GA)

I paid professional debt mediation a settlement for what I owed to XXXX XXXX XXXX IN XXXX WASHINGTON. It was settled as of XX/XX/2019. I recently have been trying to apply for a home but been getting denied because in the civil judgment portion of what is being pulled it still shows I have a balance which I dont. The court ( XXXX superior court ) says they need proof from the credit collection company certified proof thats its paid but the debt collection agency said they can not send that to the court to have this removed off of my file. I have never had this issue before. I am trying to fix my credit so that me and my son can move into a home.
Consumer complaint received 2019-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center (CA)

XXXX XXXX told me that I had a debt with them. I faxed a letter to XXXX, as the CFPB directed to ask for clarification. I did this on XX/XX/2018. I have still not received a written notice of clarification. So, I assumed that the debit was invalid. I was then contacted by a collection service ( XXXX XXXX XXXX XXXX ) trying to collect the debit, on XX/XX/2018. XXXX had still not provided me with a written clarification of the debt. The CFPB website stated that if they tried to seek judgment for payment of the debt without first providing written verification, they would be in violation of the Fair Debt Collection Practices Act. 
Now, I have been contracted by a second collection service ( XXXX, XXXX ). I sent them the information about the lack of clarification on the debt by XXXX. I then received a letter from them saying that they had determined that the dispute was not valid. They also send me another copy of the bill. The State of California currently has enhanced debt collection laws intended to provide protections beyond what is currently required by the Federal Fair Debt Collection Practices Act. Senate Bill No. 233 states, A debt buyer shall not make any written statement to a debtor in an attempt to collect a consumer debt unless the debt buyer has access to a copy of a contract or other document evidencing the debtors agreement to the debt. Neither XXXX or XXXX has provided with this verification, which I first asked for in XXXX, filed on XX/XX/2018.
Consumer complaint received 2021-10-18
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. (NJ)

So I recently pull my credit and i noticed a few accounts showing on my credit report that i do not have any knowledge about. Before reaching out to Experian, XXXX and XXXX, I call each company to report what happen. I am a victim of Identity theft. I have never done any business with these companies. I then called the credit bureaus and they said i need an FTC report. I have attached the report along with my Drivers license and Social security card.
Consumer complaint received 2019-04-19
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: N.A.R., Inc. (UT)

XX/XX/2019 - I noticed a supposed medical debt on my credit report. I called to ask for validation of the debt and inquired about a payment to delete. They lied about the FCRA and used abusive and obscene language. 

XXXX XXXX Collector XXXX XXXX Supervisor XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX XXXX Collection Department Superviso
Consumer complaint received 2016-09-06
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Andreu, Palma & Andreu, PL (FL)

I am writing this missive to complain about unfair collection practices of a law firm, Andreu, Palma, Lavin, Solis. Apparently they represent a collection agency. They sent me a letter XX/XX/2016 informing me of their representation of a debt collector. I IMMEDIATELY wrote a letter attempting to understand who they were and who they were representing as well as any facts germane to this collection. I never received a reply from them, even though MY letter to them requested a reply so that I could understand their contention. I never received a reply from them. XX/XX/XXXX I reached out directly to XXXX XXXX who is a partner in the aforementioned law firm. He acknowledged receipt of my letter and admitted that he willfully and intentionally ignored it as he " thought these questions had already been answered ''. Are n't creditors obligated to respond to the person with whom they have a dispute with in a timely fashion? Are they allowed to ignore legitimate requests for information? How can I defend myself or even proceed to negotiation if I am not in possession of all the facts. The answer is, I can not! I would like this to be resolved by your agency. I want this debt to go away and any public record of this action to be expunged. I believe it is illegal to ignore a good faith request for information. Please do n't allow these predatory firms the right to ignore correspondence that seeks answers. It is a corruption of the system enacted to protect consumers. Thank you for your consideration.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I filled a claim for 3 transactions of XXXX for a business that was charging for a service that was cancelled. After the credit was issued and claim was closed, the merchant charged me a XXXX time on XX/XX/XXXX. The merchant refunded me for that last transaction, but Wells Fargo did not realize a XXXX transaction occurred and thought the refund was related to the claim that was filed and sent me a letter that they were going to reverse XXXX from my account about a week from then. I called to get this handled, to which I was told instead of simply stopping the credit from being reversed ( which is a manual action, not automated ), they wanted to issue more credit immediately, and then allow it to be reversed a week later. I did not like that resolution and saw said there are automatic transactions that occur on the account and if they reverse the credit a week from then, I may not have the money to cover the automatic transactions that i planned for. Of course they refused to simply correct their mistake, and continued to move money in and out of my account erroneously causing what I was afraid of and incurred an overdraft fee.. So I then called customer advocacy and filed a complaint, too which was told they would handle it, during which a second overdraft fee piled on. Waited almost another week, but needing funds to pay bills/etc, I just went ahead and deposited my check. I just was on the phone with them a second ago, and was told they were not going to fix the 2 erroneously charged overdraft fees, and when I asked for a manager, was hung up on! This is incredibly frustrating as that came from an already " elevated '' agent that was supposed to take care of it, as well as the " customer advocate '' who didn't handle it nor even follow up at all
Consumer complaint received 2023-05-06
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. (MD)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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
Consumer complaint received 2019-06-26
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. (TN)

XXXX  ; Experian and XXXX  are failing to report correctly the positive items on my credit report. ( Please see the attached spreadsheet of accounts and account numbers of tradeline items which need to report all months, not just some months, of payment history. ) I have also attached a copy of my credit report for reference. By failing to report positive credit history is hurting my credit score. Please update these accounts to report accurate information.
Consumer complaint received 2016-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (GA)

I had a pair of student loans that were being serviced by XXXX XXXX XXXX XXXX. The loans are currently in forbearance until the start of next year. A few months ago, the loans were transferred to Navient ( navient.com ) for servicing. Navient has split the XXXX loans into XXXX different loans, which I assume will increase my monthly payment significantly. I have been unable to get any response from Navient as to why this was done and if there has been an error.
Consumer complaint received 2020-08-03
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. (IL)

In XX/XX/2020, XXXXXXXX reported me as deceased to credit bureaus. I disputed with XXXX and credit bureaus. XXXX is refusing to remove account status as close due to consumer deceased. I have submitted 3 disputes. Dispute dates XX/XX/2020 resulted in XXXX  stating the deceased comments would be removed. Then XXXX sent a letter stating the deceased information was verified and updated. I am not deceased and the account never closed. XXXX said all information has been corrected yet current report for TransUnion and XXXX shows this account as closed due to consumer deceased. XXXX  has updated and corrected data. Creditors and bureaus are violating my rights under FCRA. No agency is reporting me deceased. The account is active and Ive received a credit limit increase. Ive checked with SSA. I have spent money submitted documentation to these bureaus and creditor.
Consumer complaint received 2023-08-20
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. (KY)

In Accordance with the Fair Credit Reporting Act, this Creditor has Violated my Rights. Under 15 USC 1681 sec. ( 602 ), states ; I have a Right to Privacy. Also, 15 USC 1681 ( 604 ) sec.2, states ; A consumer Agency CAN NOT furnish an Account without my written consent ( of which I never gave ). 15 USC 1666 ( B ) furthers states ; that a Creditor May Not treat a Credit Card consumer plan that is open-ended as late, for ANY Purpose! Please Remove All credit card consumer plan late payments from my credit report as this a clear violation of my Rights under stated Laws!
Consumer complaint received 2023-07-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (TX)

XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt; * ( 2 ) the name of the creditor to whom the debt is owed ; * ( 3 ) Provide a verification or copy of any judgement ( if applicable ) : * ( 4 ) Proof that you are licensed to collect debts in Dallas, Tx Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also be advised that I am keeping very accurate records of all correspondence from you and your company.

I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgement without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.
Consumer complaint received 2021-10-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Blackstad, Hrabe, Kirlorsky, LLC (AZ)

I received a message from my employer stating they received a very rude phone call from someone asking about me. I called the number back, and XXXX was insinuating that she would take actions to involuntarily collect the supposed debt I owed. She said that she has verified my employment and that her client has retained an attorney. I am not aware of any of this, as I have not received a written notice of the debt or the collection attempt.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.