davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (MI)

I was charged XXXX dollars for a chance to refinance my mortgage by quicken loans. They accessed my credit twice which had an adverse on my credit account .I was denied my mortgage and a refund. They told me that if I paid them XXXX XXXX dollars they would give it to me. They laughed at me when I said I did n't have the XXXX XXXX dollars. I would like a refund. please accept this as a formal complaint by me. I am mentally XXXX and live on a fixed income. I may be able to provide supporting documents if I am able. Quicken loans is in XXXX michigan
Consumer complaint received 2022-09-05
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. (FL)

I have trying writing the company to get them to verify if the debt is mine with a sign contract all the company keep responding with is a bill. i already have a bill I need to verify or know what document they have that this is my debt and not someone else 's. 

XXXX XXXX XXXX XXXX XXXX {$340.00} account number XXXX XXXX XXXX XXXX XXXX {$2800.00} account number XXXX XX/XX/2020 XXXX {$730.00} account number XXXX In accordance with the Fair Credit Rreporting act XXXX account XXXX, XXXX, XXXX, has violated my right. 

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

15 U.S.C 1681 section 604 A. Sections 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (CA)

In XX/XX/XXXX I consolidated an old student loan and selected Nelnet to be my servicing company with 3.88 % interest rate. All these years I have been making payment towards that loan. In XX/XX/XXXX I applied for a new loan once I returned to school. I just recently graduated and noticed that the new loan had an interest rate of 6.87 % through direct loan. I attempted to look at the consolidation again. The web site stated that this is just to see what rates are available and not completing the process. When I saw that I 'm not going to get a lower interest rate, it is basically the combination of XXXX fix rate, I did n't pursue it further. I looked for an alternative way to pay off my loan with 6.87 % interest. On XX/XX/XXXX, I went to direct loan site to pay off my second loan, but I saw a XXXX balance. When I called I found out that the consolidation did take place. I looked for any type of warning or notification and the only thing I have is an email on XX/XX/XXXX that states my application is being processed and I can call a number to cancel. There are no dates or further steps for me. I called that number to cancel the consolidation and they have been telling me that I passed the deadline of XX/XX/XXXX. Since then I have been calling Netnet and stating that I want to pay off my XXXX loan and as far as my original loan through Nelnet, I want my original rate back, the 3.88 % that I have had since XX/XX/XXXX. Everyone is giving me a single answer of " we sent you a letter with a deadline ''. I do n't have a letter, not sure why, but did n't receive it. All I have from Nelnet is an email from XX/XX/XXXX that states I can call a number to cancel consolidation, but has not deadlines or any further instructions. Everyone is stating that I 'm stuck with a loan that is 1.62 % higher than I originally had. Who in the right mind would accept that? I have been mistreated, received rude and disrespectful responses. I spent over an hours in the evening of XX/XX/XXXX and over an hour on XX/XX/XXXX and have been working through social media with Nelnet and no one is hearing my case or concern. All I want is for someone to take the ownership and hear out my concern and get in contact with the right people in the company to activate back my old account and give me my old rate back. The process is really confusing and misleading. When I first applied it clearly stated that this does not mean the consolidation is completed. I wish I had taken a screenshot of that. I need someone to help me solve this mess.
Consumer complaint received 2023-03-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

During the refinance process, loan officer XXXX XXXX of Carrington Mortgage fraudulently misrepresented ( in writing and then verbally ) that my FHA Partial Claim XXXX : 1 ) in writing : that the claim would be paid as a result of my refinance ; then, subsequent to me accepting that offer in writing, 2 ) verbally by phone on or about XX/XX/XXXX  : that the FHA partial claim would not be due. Carrington was able to negotiate with the partial claim servicer to keep the partial claim so that it would not come due until the end of the new loan. The conversation occurred after I pointed out the Closing Disclosure did not reflect the FHA Partial Claim payment as requested. That's when XXXX called and when I returned his call he told me the great news, that the partial claim wouldn't be due. 

I have a copy of email correspondence from XXXX XXXX
Consumer complaint received 2016-12-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Pinnacle Credit Services, LLC (MA)

Since XX/XX/XXXX I 've been in and out of Hospital due to an accident. And since then i have not applied to any credit cards or any loans till XX/XX/XXXX. After been getting denied for every account i pulled my credit report and found several accounts opened under my name and several incorrect addresses listed under the credit bureau. So at this point i contact the Police and file a report due to these inaccurate charges and fake addresses under my name. At this point i started to dispute every information that was wrong under my report and most was corrected. When i contacted this company Pinacle Credit Services that report a XXXX account for {$550.00}. i was requested to submit all the document that i had in my hands which i did. I spoke with several members, XXXX, XXXX, XXXX and today I spoke with a lady by the name of XXXX, all of them refused to provide me the last name or any other Identification and their response to me was that i would receive an update in 48 hours, and i never heard from them, I 've send many letters to confirm this debt and none was provided to me. Every time i tried to explain my situation for the past several years and seams to me that they just do n't care about my case. Which this account is not mine and i should n't be responsible to pay for it. And this is the reason i 'm asking for your help in getting this resolved because it 's causing harm to my name.
Consumer complaint received 2024-02-12
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. (NC)

THE ACCOUNTS WERE TO BE DELETED OR REMOVED DUE TO THE FRUAD USED TO OPEN. WHY HAS IT REMAINED IN A CLOSED FILE YET STILL REFLECTING UNDER MY REPORT TOTALLY NOT GOOD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

On XXXX XXXX, 2016 Equifax send me a letter stating that my disputes regarding disputed inquiries have been removed ( Confirmation # XXXX ). I recently viewed my latest Equifax Credit Report and unfortunately the inquiries that I was told were removed are still reflecting on my Equifax Credit Report. Here are the following inquiries the Equifax stated were removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX ( ALL, Furthermore XXXX XXXX send me a letter that they requested for the inquiries to be removed - I will provide the letter upon request ) XXXX XXXX ( ALL, Furthermore, XXXX XXXX send me a letter stating that the requested for the inquiries to be removed I will provide letter upon request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM REQUESTING THAT EQUAFAX UPDATE MY FILE WITH MY NEW TELEPHONE NUMER. XXXX, Thank you.
Consumer complaint received 2016-03-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (CA)

I was selling to a Broker the house. I was behind in payments because of unemployment and rather sell than have property repossess. The Title company paid XXXX early ( as agreed ) the full amount of the debt. The check was received XXXX XXXX, ( the title company had until XXXX XXXX to pay and get the property ). Now on the XXXX of XXXX XXXX sold my account to Caliber Home Loans. In XXXX I received a letter that I owe XXXX cents plus {$1000.00} on interest on a 30 yrs. mortgage. The XXXX cents were " sold '' by XXXX? Now the check was processed by XXXX on the XXXX eventhough the " property and loan had been sold to sister company Caliber H L a day before. My debt is going up exponentially. What can I do?
Consumer complaint received 2020-06-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (KY)

I would like to open an account with XXXX  investing and I can not because PNC will not allow me to do so. PNC has no right to control how I spend my money and I feel they are restricting me from investing in my future with an account with XXXX. XXXX is an inexpensive way for me to save up money for the future. I would appreciate it if PNC would allow me to link up my account to XXXX   and start investing for my future.
Consumer complaint received 2017-02-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AR)

XXXX with other party responsible for medical bills- underinsured motorist had to take over due to other party not carrying enough coverage for my medical bills- other party at fault. My XXXX underinsured motorist policy had to take over. Medical bill of {$250.00} paid to XXXX directly. Due to suborgation with XXXX and lack of enough coverage amount, there was delay. however, this bill was paid by XXXX prior to collections but not recorded as such. Never delt with collections agency at all. Please remove
Consumer complaint received 2015-04-22
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

PayPal had limited my account last year and I had filed a complaint with CPFB, to which PayPal had responded. In such CPFB case Case number : XXXX, XXXX XXXX ( PayPal Operations Counsel ) had mentioned that my funds would become available on XXXX XXXX, 2015 ( 90 days from last payment ). However, as of today XXXX XXXX, I 'm not able to withdraw the funds. I contacted PayPal personnel and customer service several times and requested them to resolve this, and even provided them a copy of this letter. However, they refused to help me in violation of XXXX XXXX ' promise and commitment. They told me that his promise and word does not hold any value, and PayPal 's generic policy is superior to his promise/written commitment. They informed me that XXXX XXXX did not notate my PayPal account ( XXXX ) so that the funds could be released on such date, and I do n't know why. I ask XXXX XXXX to correct this and make my funds available to me as promised. A copy of his previous letter is attached herewith.
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

I have new an updated information regarding my previous complaint. I would like Discover to provide the federal law which gave it permissible purpose to obtain my consumer report on XX/XX/2017. I would also like Discover to provide the written consent it received from me to perform this action.
Consumer complaint received 2022-02-11
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: Navient Solutions, LLC. (NY)

To Whom It May Comcern : I have an account with XXXX XXXX, and although I made a check payment that was rejected by my bank, XXXX, did not resubmit the returned check a second time, which is a customary banking practice. Instead, I was referred to the credit bureau as being 60 days late. XXXX has been difficult, if not impossible to conduct business with due the the appearance of their predatory practices. My credit has been ruined, and my life has been turned upside down because of their cut throat and specious practices.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TN)

I have multiple inquiries on my credit report and several duplicates that I did not authorize. These did not result in offers of job or credit. I sent requests to the credit bureaus and letters to businesses and the inquires are still there. The credit bureaus said invalid dispute or verified inquiry.
Consumer complaint received 2016-01-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (TX)

Our servicer will not send us a monthly statement of our mortgage statement or allow us to log on online in order to see what our status us ( bal, pymt amount, whether we are current, past due, etc ). We were in a bankruptcy, but that ended in XXXX of XXXX. Dovenmuehl stated that because of the bankruptcy we were not allowed to see any current information. Since our bankruptcy discharged over 9 months ago, the servicer still ( as of today, XXXX/XXXX/XXXX ), will not let us obtain information on our mortgage.
Consumer complaint received 2023-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Jennifer McCoy, PC (TN)

1.I have never had an account with this company Law Office of Jennifer McCoy , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Law Office of Jennifer McCoy the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

the credit agency XXXX, Equifax and XXXX are reporting a Federal Tax Lien in XXXX County showing a balance of {$33000.00}. This Tax Lien is included in our Chapter! XXXX bankruptcy and has been discharged. It is not showing in discharged in bankruptcy with a zero balance.
Consumer complaint received 2016-03-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC (CA)

My rights as a citizen and a XXXX vet have been violated under FCRA/FDCPA by Guardian Capital Management. They have reinserted a previously reported debt. I have been advised by my attorney that I am entitled to {$1000.00} per violation in statutory damages and attorney fees. I do not wish to go down that route, but am prepared to do so. 

I am requesting that the CFPB please investigate this matter / Guardian Capital Business Practices. Please see attached correspondence and proof of military status. 

cc : XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX
Consumer complaint received 2016-03-22
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SECURITY FINANCE CORP (TN)

Security Finance without my knowledge or with out me signing loan papers found family members numbers and contacted them and spoke about the " loan ''. They also contacted my workplace and spoke with them about the loan. They wantedHRs number and address to strike a deal to garnish my wages with no court order.
Consumer complaint received 2022-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

I cancelled my service with XXXX after over 10 years, and they have the nerve to be billing me {$300.00} a bogus random number they've come up with. Now I see why people get Prepaid Cell Phone Service so these companies don't have access to their credit reports, and social security numbers. 

Now, they have so called outsourced the debt, and now another company, Convergent, is trying to bill me for the same debt again. The companies are really something. 

XXXX has shut down my access to the website, so I can't log in to see what my so-called charges are. I have returned all equipment to XXXX  through the XXXX store they requested and need some help getting these people to return my account to zero. I closed my account in good standing. 

I do not owe either of these companies any money.
Consumer complaint received 2016-04-23
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (FL)

Equifax improperly shared my credit report and even after receiving a police report, refuse to remove the information from my file XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX
Consumer complaint received 2015-03-28
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAVALRY INVESTMENTS, LLC (MD)

Calvary Portfolio Services was paid {$720.00} in 2013 in an effort to have them remove a collection from my XXXX and XXXX credit reports. Despite me never contracting with company I paid them because XXXX refused to collect the monies owed to them. I now have a delinquent XXXX entry and a Calvary Portfolio collection account for the same debt. I have made several calls to request deletion of improper entry to my credit report but was told it is not their policy to delete especially since I had already paid. I never received notices. The item just appeared on my credit report. I was never allowed to validate the debt.
Consumer complaint received 2015-07-27
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAVALRY INVESTMENTS, LLC (GA)

I received a call from a person who did not identify them self or the company they worked for and informed me, that I owed XXXX bank money for a credit card. I informed the person on the line that, I have never had a XXXX credit card and that- if I was to pay the card she must provide me with some proof that I owed that money. I was informed that I opened the card in XX/XX/XXXX and must make arrangements to pay or I would be taken to court for the payment. I responded, " I have never had an XXXX credit card. I do not know who you are and what company you are calling from. If you want to get any money from me send something in writing or take me to court. Because, I know I have never had a XXXX credit card. '' I had not heard nor received any thing from this person who did not identify herself or the company she was representing until. I was served with a court summon that I was being sued by XXXX as Bank of assignee of XXXX XXXX XXXX XXXX XXXX, XXXX./XXXX , XXXX The problem I have with this is : 1 ) the person who initially called me misrepresented herself and the company in which the debt was owed. 2 ) XX/XX/XXXX, XXXX wrote off this bill. Thus leaving a balance of zero owed. 3 ) The original bill of sale was from XXXX XXXX XXXX to XXXX XXXX XXXX, XXXX 4 ) The XXXX bill of sale was to XXXX. 5 ) XXXX has no documents with my signature proving that this is a valid bill that belongs to me in the court documents filed. They purchased the loan XX/XX/XXXX. Why has it taken 3 years to contact me regarding a bill that they say I owe. I have received no correspondence from this agency regarding this bill. I have had the same phone number for the last 4 years. 6 ) This bill was sold and purchased in XXXX, I am not sure if they are legally able to operate in the state of XXXX.
Consumer complaint received 2022-02-11
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: Experian Information Solutions Inc. (FL)

I HAVE A DISPUTE THESE ITEMS. AND DIDNOT GET ANY INVESTIGATION RESULTS. THE INVESTIGATION TOOK WELL OVER 30 DAYS.