davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-29
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (NC)

1. I have a USDA-guaranteed loan. 
2. I was in a COVID-19 forbearance from XX/XX/XXXX to XX/XX/XXXX. 
3. At the end of the forbearance, XXXXXXXX XXXXXXXX began evaluating me for a post-COVID-19 loan modification. 
4. Initially, XXXX did not follow the USDA handbook for XXXX loan modifications, and I received legal assistance from XXXX XXXX at the North Carolina XXXX XXXX. * After several months of communications with XXXX, Mr. XXXX was able to resolve the issue with XXXX. 
5. On XX/XX/XXXX, I executed a USDA loan modification agreement. The agreement was executed on XX/XX/XXXX by XXXXXXXX XXXX and by XXXX on behalf of USDA. See the attached copy of the loan modification executed by all parties. 
6. The USDA loan modification agreement brought my loan current, lowered my monthly payment to {$700.00}, reduced by principal balance to {$110000.00}, and lowered my interest rate to 2.88 %. See page 7 of the attached PDF. 
7. Before I could make even one payment on the modified loan, XXXX XXXX transferred servicing of the loan to XXXX subserviced by Mr. Cooper. 
8. XXXX subserviced by Mr. Cooper does not appear to have any record of the loan modification. When I log in to my account, it claims my loan is owing back to XX/XX/XXXX. It claims I owe {$14000.00}, that my monthly payment amount is more than {$800.00}, and that my interest rate is 3.5 %. 
9. My first payment to XXXXMr. Cooper is supposed to be due on XX/XX/XXXX, but XXXXMr. Cooper is incorrectly stating that I owe more than {$14000.00}, and has not returned my calls or emails to get to the bottom of their error. 
10. I am requesting CFPBs help in sorting out this problem. Please contact my attorney as listed below : XXXX XXXX Senior Attorney XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX N.C. XXXX Direct : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2019-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Delta Management Associates, Inc. (MA)

I was going to school and XXXX XXXX XXXX XXXXe accepted my medical leave withdrawal since I gave XXXX and my baby had to stay in the hospital for several weeks and I was breast feeding. 

I did not go to school that semester or take any student loans or grants and now they are trying to bill me for classes I did not take, and just sent it to a collection company. 

Delta Management Associates , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MA XXXX
Consumer complaint received 2020-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CT)

Navient issued to letters dated XX/XX/XXXX, received today, XX/XX/XXXX with incorrect, conflicting information. 

A final payment of {$19000.00} was made on the student loan on XX/XX/XXXX. Navient cashed that check on XX/XX/XXXX. 

Navients first letter dated XX/XX/XXXX, states they received a payment of {$15000.00} and allege there is a balance due of {$93.00} which they claim is due in ten days. This is a HUGE discrepancy. 

Navients second letter dated XX/XX/XXXX, states they received a payment of {$15000.00} and allege there is a balance due of {$110.00} which they claim is due by XX/XX/XXXX. This same letter, at the top, says nothing is due on XX/XX/XXXX. The second letter, dated the same day, received the same day differs greatly from the first letter. Navient exudes incompetence. This is a HUGE discrepancy. 

Please refer to the attached and note all of the discrepancies. Most of the discrepancies are highlighted in the attachment. 

1. Payment amounts in both letters are incorrect 2. Amount due in both letters is incorrect 3. The due dates in both letters are incorrect. 
4. The application of the payment was misapplied. 
5. Navient still has not even attempted to correct any of their previous errors and they continue to compound the issue with additional errors. 

It should be noted that numerous letters have been written to Navient at XXXX XXXX XXXX, XXXX, PA XXXX and Navient has failed to respond. 

Navient is a horrible company and should be held accountable for their numerous errors. 

There have been numerous and ongoing issues with Navient that demonstrate a pattern of behavior and the escalation. While this new issue is separate and distinct from the others, it further demonstrates the escalation of abuse and Navient 's failure to correct their errors and improve their business practices.
Consumer complaint received 2020-02-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (VA)

XX/XX/2020 - XXXX XXXX XXXX - {$630.00} showing on my Equifax Credit Report. 

This company continues to ignore the fact that this is not my debt. It was removed from both XXXX and XXXX  on my report. I have told them and Equifax both that this is not my debt. I have even disputed this debt and they will not remove it. They can not provide any documentation to me stating this debt is my debt other than an amount. There are no medical documentations or procedures codes to indicate this is my debt. I am attaching a copy of my equifax report along with the documentation stating it was removed from the other reporting agencies.
Consumer complaint received 2015-05-15
Product: Credit card — 
Issue: Other fee — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

hsbc now has made it real hard to reach. i spent an hour trying to call XXXX. 
new phone system. then i got hung up on. then i was read a scripttheir call centers in other countries they barely can speak english such where when i tried to make a payment on my cc i could not since the representative did not understand english
Consumer complaint received 2017-08-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: We Collect Inc (OR)

The debt collector has been harassing me with multiple phone calls. Even went the extreme to start calling me on a 2nd phone number. I was interrupted at my work place over and over again. 

The most recent form of harassment was at my personal residence. A person ( not authorized ) or allowed in my secure resident building got into the building with out being buzzed in by me ( personally ) I am the only one that can buzz a person into my building with my cell phone. Apparently a person came to my condo door during the work day and knocked on my condo 's front door. The person tried to had off papers to a friend and that person said I will not accept any paperwork for my friend. Later, I found paperwork on my doorstep. The paperwork was not in an envelope. The person left small claims paperwork on my doorstep, open for any resident to read. This is an invasion of my privacy and I did not authorize a person ( s ) from Atlas to enter my building residence at XXXX XXXX XXXX XXXX. XXXX OR. XXXX ( XXXX XXXX ) I will say again my building is secure ( no doorman ) but we have locks on all doors including the garage doors and entrance through the garage into the lobby. No one is to tress pass or enter the building with out the resident letting a person ( s ) into this building. 

I believe the paperwork left at my door step is a form of harassment friend and to myself and I would like to file an official complaint against Atlas Financial Services.
Consumer complaint received 2020-02-12
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I requested removal of an old account listed on credit report that was more than 7 years old. The dispute results were that the account was accurate, which I never disputed, and would remain on my credit report. No response from company when trying to contact directly, since I used to work for them. I just want them to delete account since was from XX/XX/2010.
Consumer complaint received 2020-02-12
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Braviant Holdings, LLC (TX)

Company hired a debt management company to collect a debt. The company has tried to contact me numerous times. The name of the company is XXXX XXXX XXXX. The debt collection company called my spouse without my permission and gave personal details as well as contacted my employer. This is after I tried to make payment arrangements last year with balance credit. I have asked both the debt collector and balance credit to cease and desist calling my spouse and my employer.
Consumer complaint received 2020-02-12
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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (TN)

I opened an account with XXXX XXXX XXXX TD Bank on XX/XX/XXXX. I was paying on time every month. I entered into a debt consolidation program with XXXX XXXX XXXX ( XXXX  ) on XX/XX/XXXX. During this period of time XXXX stated they had contacted all the creditors I included in the debt consolidation program and everyone had agreed to terms. XXXX began making monthly payments to XXXX XXXX XXXX. I have statements from XXXX showing the payments being made. On XX/XX/XXXX XXXX  reported to my credit that there was a 30 day late payment. I reached out to XXXX at XXXX to figure out how I was late when XXXX  made the payments. XXXX stated the payment was insufficient but this payment was already pre agreed upon by both companies. At this time XXXX  told me it was my problem that I was not checking my monthly statement, but XXXX  never tried to contact me about this via email or phone call to inform me the payment was not enough. I told XXXX that my online access didnt work, and they stated once you switched to a debt consolidation program it takes your access away! So how would be able to check my Statements? They had no response. At this time XXXX told me the correct payment had to be made 3 months in a row to get the account back in good standing, but credit would show I was 90 days late on payment until then. I reached out to XXXX about this and they stated they made the correct payments agreed upon between the two companies so theyre not sure why they reported it late. XXXX never gave them a reason why the payments were not sufficient to XXXX so now I am stuck with a 90 day delinquency on my credit severely effecting my credit when essentially I was never late. XXXX  never gave me access to check my online account and verify statements and never attempted to reach out to me to tell my my payments were not sufficient. I had no other issues during my debt consolidation program with other companies and them receiving payment. All payment pricing and arrangements are made between XXXX and all other companies that work together in the debt consolidation programs. I dont know any of that information about monthly payments. XXXX tells me what both companies have agreed upon when it comes to the client and then XXXX drafts the money out of my account automatically every month to pay the creditors.
Consumer complaint received 2022-12-05
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. (AZ)

XXXX XXXX XXXX - Account number XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX- Account number XXXX XXXX XXXX XXXX XXXX  Account number XXXX violating my consumer rights to privacy according to 15 USC 1681b 2, and also has also NO permission to report ANYTHING using my information according to USC 1681 4.

I need them delete this unauthorized inquiries off my credit report.

You can't go wrong with quoting 15 U.S.C. Sec. 1681i, since it is very broad and covers " Procedures in case of disputed accuracy. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) covers the general investigation overview, the extension of the period to reinvestigate, and the limitations on extension of the period to investigate, while 1681i ( a ) ( 2 ) covers the promptness in how the bureaus must handle the notifications. 1681i ( a ) ( 3 ) covers if and how the bureaus can determine if a dispute is frivolous or irrelevant, all the way to 1681i ( f ) ( 3 ) where it governs how a CRA notifies a consumer through a reseller ( XXXX XXXX XXXX XXXX XXXX ) and others who furnish third party disputes free of charge, etc.
Consumer complaint received 2022-12-05
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. (MI)

XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Sent a letter to Equifax stating that these inquires was made by someone other than me. These inquiries was in fraudulent. I asked them to investigate and to please remove from my credit report
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

This is an inquiry that's on my credit report inwhich I have no knowledge of and I tried to get these frivolous inquires removed to no prevail. I'm respectfully requesting documented proof, or please remove.
Consumer complaint received 2022-12-05
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$240.00} ; XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00}.
Consumer complaint received 2019-10-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (KS)

I started a inquiry online regarding a Rr-fi on our existing mortgage with Quicken Loans. I was then contacted via phone to proceed with the process. I informed them that my main goal was to obtain cash with the re-fi for debt consolidation etc. after going through the processes of sending them my financial information, income debt etc. I was called back and told via the phone that they could provide us the requested amount XXXX, lower our interest and lower our payment as well. I gave a verbal approval to continue. I was told that I needed to pay for the APPRAISAL which would be XXXX ( and we did ) The appraisal process was quick and came in at the amount that the preliminary numbers would need to be able to have enough difference to give us the cash etc. We signed the online forms to get the process to progress. When I reviewed the forms online, I saw that the cash was only going to be XXXX and not XXXX I sent a email the Representative that was handling my account and he quickly called me back. My email was asking if we are only getting XXXX. During the phone call, he mentioned that no everything is looking ok and we will be getting the money. After waiting over a week and a half, I checked online and now the money I would receive was only XXXX?? I called, the customer service to verify what I would receive and I was told that Yes the XXXX is all you would be getting. I emailed and called 2 different numbers with my contact and NEVER received a reply. I submitted a complaint online. The next day, we received a call from someone else that stated " maybe we can look for another title company to save you some money to get the amount closer to your request. Several days later, we received a phone call from another person that stated our loan has a MAX of XXXX  cash available and NEVER would be possible to get XXXX with that type of loan!! I was extremely disappointed and upset. I requested him to pull the tapes on the phone calls to see that I was being told LIES. He stated they would pull the tapes and review the issue but was continuing to tell me that there is no way we could get XXXX. It has now been 4 business days ( he said it would only take a day or so ) and I have heard nothing again. I checked online again and now the cash is down to XXXX!!!!! I feel that all of the processes that this company ( Quicken Loans ). is deceptive. I am NOT a banker and I have to rely on the company to be honest with me etc. I also noticed that the XXXX was NOT for the appraisal as mentioned but for the XXXX earnest money! They NEVER told me that the XXXX was for earnest money!! This is still a on going issue and I am seeking help on this PLEASE! I feel that their practices are VERY deceptive, dishonest and in my opinion could be illegal!
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mobiloans, LLC (SC)

There is a hard inquiry on my credit report on XX/XX/2019 from : XXXX XXXX XXXX XXXX XXXX, LA XXXX I never applied for credit with this company
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Incomm Holdings Inc. (TN)

I was trying to pull money off my card to pay my rent. The card said daily limit so I called card issuer. I verified with the same information like always except this time the lady on the other end said I couldn't verify the information she had and froze my account. I jumped through their loops sent in copies of the requested documents and waited the time frame. Incomm has yet to do there job in the allowed time and can't be reached by phone. Myvanilla just keeps apologizing and giving excuses.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (MA)

There is currently a {$2300.00} charge on a Best Buy credit card under my name that is attached to my XXXX  report. A credit card I personally have never inquired or sought after. I have called XXXX to put a credit lock and alert on my account for a year, and have called multiple banks ( including best buy ) who indicated nothing with my social has been opened. But, this is clearly false because on my credit report, there is a best buy charge, where it shows I opened up a line of credit ( someone else did, identity fraud ) that is clearly lowering my credit score and my identity is under threat.
Consumer complaint received 2024-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NC)

THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2021-09-25
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. (IA)

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently filed a complaint with Equifax on XX/XX/2021 about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game Equifax permission to report anything on me? I need answers now! Im XXXX furious!!
Consumer complaint received 2020-02-12
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. (GA)

I filed an identity theft report with the FTC several months ago when I noticed someone had used my private information to obtain credit in my name. Now, XXXX XXXX XXXX has placed 2 unauthorized accounts on my credit reports and can not prove they belong to me. When I received a letter from this collection agency, I sent them a letter disputing the account and was never given information proving the accounts were mine. The accounts were then placed on my credit report. I would like assistance with helping them remove these unauthorized accounts from my reports.
Consumer complaint received 2020-02-12
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 filed an identity theft report with the FTC several months ago when I noticed someone had used my private information to obtain credit in my name. Now, XXXX XXXX XXXX has placed 2 unauthorized accounts on my credit reports and can not prove they belong to me. When I received a letter from this collection agency, I sent them a letter disputing the account and was never given information proving the accounts were mine. The accounts were then placed on my credit report. I would like assistance with helping them remove these unauthorized accounts from my reports.
Consumer complaint received 2022-12-06
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. (NV)

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. 

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 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.