davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MN)

There is no such judgment of record # xxxx from this Court for this date for this amount from this creditor. 
I have certified documentation from the Court that supports my dispute of this erroneous entry on my report. 
If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on " Abusive '' Acts or Practices. XXXX Section 1031 of the Dodd-Frank Act XXXX There are XXXX judgements reporting that are not recorded judgements with the courthouse. This is ruining my credit. The courthouse also confirmed that they do n't report to the credit bureaus so there 's no way the bureau could verify with them PLUS it 's not even recorded so there 's nothing to verify.
Consumer complaint received 2017-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

To : Consumer Financial Protection Bureau XX/XX/XXXX CC ; Correspondence Team ( Fax # XXXX ) Sub : Dispute of Loan # XXXX of Seterus Borrower : XXXX at XXXX, XXXX CA XXXX 5th Resending!!! 
To whom it may concern, I discussed XXXX, SME of Seterus customer service today XX/XX/XXXX to dispute {$90.00} inspection charge that is not my responsibility but the issue from the transit period to Seterus from XXXX in XX/XX/XXXX. I always paid the mortgage on time 100 %. I never got the transfer letter attached in timely manner and they just charged the inspection fees without any inspection notification letter to me. I am so frustrated that Seterus {$90.00} charge on the statement over 3 years that I have disputed. 
Per the conversation with Seterus Customer Service team in XX/XX/XXXX, I am requesting to waive the inspection fee {$90.00} charging to my account again. This is not my fault but the fault from the previous the previous mortgage servicer, XXXX that never forwarded the fund to Seterus. I also updated my mailing address timely manner but they did not update the correct mailing address so I could not get the transfer information accordingly. This is not my fault so can not pay the inspection fees {$90.00} that Seretus charged and it is not my responsibility. 
Seterus charged 2 times of inspection after XXXX even I updated my address and payment information accordingly in Seterus. Your research department already verified that I paid all payments on time every month. 
Please reconsider and waive the charge {$90.00} fee as XXXX and I discussed and agreed on the phone that I am going to make a payment of {$990.00}. 
Regards, If you have any question, please email me at XXXX or call me at XXXX. 
Regards, XXXX. 
Attachment : transfer letter of XX/XX/XXXX was receive in XX/XX/XXXX.
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I have contacted credit reporting agency Equifax multiple times by regular mail, by certified mail, I have asked them for method of verification, and continue to respond as as account verified, How could this be possible if I contact XXXX on account # XXXX and they do n't have the information that Equifax is reporting. They simply ignore any request your send to them and respond with their automated system. I need this matter taken care of and have this account deleted as it is erroneous and useless in my credit report.
Consumer complaint received 2015-08-08
Product: Credit card — 
Issue: Sale of account — 
Company: Paypal Holdings, Inc (PA)

I was making a purchase online where the merchant only accepted Paypal for payment. After logging into my account I verified the amount and put in my new shipping address. The purchase was completed through my external ( XXXX XXXX XXXX credit card, so I thought. Today I received a bill from Paypal letting me know that I had a bill due to them from my new credit line. This was odd as I never signed up for a Paypal credit card. Apparently Paypal has set up their system to auto select their " pre-approved '' credit cards when processing payments through their system. In essence, they have taken the information I have provided over the years and ran my credit without my permission, opened up a credit card in my name to their institution without my permission, and processed payment on said credit card. Understanding the rules of credit, this has negatively affected my overall credit score, even if minimally, without my consent. As I am in the process of purchasing a new house this change may affect the interest rate on a 30 years loan ( even if minimally ). I believe this to be an extremely unethical business practice and the CFPB should be made aware of these practices.
Consumer complaint received 2017-01-30
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (WA)

On XX/XX/2013, I had a terrible fall and XXXX I did not have health insurance at the time, so this accident amounted to about {$120000.00} in medical bills. I was out of work for approximately 9 months total ( XXXX ). Consequently, I became very behind on a lot of bills and eventually was forced into bankruptcy. I had tried SO many times to EITHER get my payments deferred or get a temporary relief from payments due to XXXX. My XXXX filled out the proper paper work for me, stating it would be at least 6 months until I could work full-time again. Navient REFUSED to give me ANY kind of relief. They would not let me have any lowered payment or deferment " because my loans were consolidated after the cut-off date '' they 'd imposed. They refused any time of XXXX help. 
This is not all. Of all of the creditors that called, Navient was the most persistent. From XXXX until " quitting time '' at about XXXX EVERY DAY. Even the hospitals ' collection agency was not as persistent! This, in addition to trying to not XXXX so I could heal, was horrible! In fact, my XXXX is STILL not healed after over three years! 
As they were part of the bankruptcy, the Trustee gave them a payment of approximately {$3000.00} so they are telling me that I do n't have a payment for awhile. I do n't think that it 's a coincidence that they 're doing this just as their company is under scrutiny and law suits?!
Consumer complaint received 2015-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MD)

I was trying to get a modification with XXXX XXXX XXXX in XXXX after my wife lost her contractor 's job with the federal Government and I had a life changing event XXXX due to an unfortunate accident. 
In the middle of the modification with XXXX XXXX XXXX they sold the servicing rights to Nationstar Mortgage L L C who has been reluctant to work with us over the last two years they started foreclosure proceedings even had a sale date of XXXX/XXXX/XXXX through their lawyers XXXX and Associates in XXXX Maryland, please be advised that I have attended meditation and have submitted several loan modification to Nationstar Mortgage which got lost in the shuffle somewhere please be advised that since acquiring this mortgage in XXXX myself and wife was never late or missed a payment until our unfortunate situation in XXXX. Nationstar denied our modification over and over again and each time ask us to resubmit an application which we did as recent as this month of which they gave us an alleged modification for 4 % interest rate which require a {$10000.00} down payment with a monthly payment of {$5400.00} without a a breakdown please bear in mind my current monthly payment which I am trying to modify is 4.2 % interest rate with a monthly payment of $ XXXX find this to be unfair and at this point I considering filing Bankruptcy in order to keep my home Nationstar is not very helpful and is not playing by the rules also. I have a lot documentation from their attorney telling me one thing while they are doing something else. 
Please investigate this matter we need help.
Consumer complaint received 2017-03-27
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Collections Inc (MS)

I was contacted by Collections Inc. on Thursday and was told that they were attempting to collect a debt. I told the representative that I need to take a number and call them back. I was told again that this was an attempt to collect a debt and who the original debt was with. The representative never disclosed where they were calling from and then proceeded to threaten that legal action will be taken by XXXX. the next day. I was also told that they were planning to garnish my wages. I 've never received any letter from this company or phone calls before XX/XX/2017. On XX/XX/XXXX I contacted the company to find out the name and the rep refused to give me their name without verifying my address. I 'm not sure why it was okay to discuss the account with me during the previous call without verifying my address, but they ca n't share the name of the agency without confirming my address. I requested information to verify the debt and was given some information over the phone and was told that I could be provided the account history from the original account holder. I find it disturbing that I was threatened with garnishment the first time the agency contacted me and was n't allowed the 30 days to confirm or dispute the debt. I was told that my file was referred to the legal department. The representative was very unprofessional and rude. She seemed to take pride in the ability to garnish wages. This company uses bullying tactics and preys on the ignorance of others concerning the law to administer unlawful collection practices. They need to be held accountable and so does the Hospital that chose them as a third party service provider.
Consumer complaint received 2016-05-27
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LENDER LIVE (CA)

My mortgage was serviced by LenderLive. I was current on the loan as of XXXX XXXX but I was out of work and using savings to pay. I agreed to a forbearance plan with LenderLive in XXXX XXXX. I explained that I need a security clearance to get work and therefore needed to avoid any negative credit reporting for the mortgage. They told me that they would not do negative credit reporting while I was on the forbearance plan. 

The forbearance plan was supposed to last for six months, until XXXX XXXX, XXXX. At that point I would enter into a repayment agreement with LenderLive according to the plan. Instead, LenderLive reported on my credit as if I was missing payments during the forbearance plan. I noticed the negative reporting in XXXX XXXX. I was looking at my credit because I was going up for security clearance for a job. When I called LenderLive about it they refused to fix the credit reporting. They had previously been ridiculously rude to me over the phone -- they even insulted me for being a XXXX veteran. 

In XXXX XXXX LenderLive transferred my loan to XXXX. XXXX did not have any information about the forbearance plan. As far as they were concerned, I was six months behind on my mortgage. After the transfer, LenderLive refused to talk to me about the issue or to fix it. They just directed me to XXXX. XXXX did n't have the records and did n't know what I was talking about. 

I want LenderLive to correct the information reported on my credit to reflect that I was on a forbearance plan and was not responsible for the payments from XXXX XXXX through XXXX XXXX. Therefore I should not have missed payments recorded for those dates. I would also like an apology for their insults of my status as a XXXX veteran.
Consumer complaint received 2022-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

Wrong Action by Company : Nationstar d/b/a DR COOPER Property located : XXXX XXXX GA Put Consumer in Paperless - Knowingly Consumer Did not had an Online Account. 
For Bad Intentions and to blind fold Consumer as Dr Cooper : Increase payment by adding an unauthorized Escrow & Unnecessary. As Consumer Pays Insurance and taxes outside of mortgage-written proof for many years Monthly Payment of {$460.00} P & I only. Statements available from XX/XX/XXXX to XX/XX/XXXX Dr. Cooper added a `` county tax payment of {$15.00} '' on XX/XX/XXXX and Opened Escrow : increase Payment to {$750.00} then XXXX escrow ; then lowered to {$660.00} XXXX & I + with escrow.

My payments of {$460.00} they received monthly, 1st : placed unapplied then credit as " Adj - forbearance '' I never applied for any forbearance I only paid {$460.00} P+I never late. 
Mr Cooper sent my File to forclosure for a Balance of {$4100.00} including {$1300.00} inspections + legal fees- they did not allowed me to make payment I signed on only and found this bad action b our Lender...

Needed to publish -complaint so other Consumer don't go through this horrible situation.
Consumer complaint received 2016-08-08
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (NC)

The lender filed for lender foreclosure in XXXX 2016 but has not moved forward with any action since the filing. The community has suffered by watching the property go into disrepair. Currently, trim is falling from the home, the siding is covered in green algae, the back yard is full of trash and piles of debris, the lawn is not being cared for, plants are overgrown, lawn is waist high, plant beds are full of weeds taller than most people. The community has patiently been waiting for the home to sale but every offer ends without a sale and the real estate sign disappears for months at a time. The second real estate agent 's sign disappeared about a month ago but no sale took place. We are uncertain that the home owner resides in the home and question the safety and health of these residents if they do. Activity is spotty and has been less and less over the past few months. In the beginning of the year, a car was parked in the driveway almost every day but now residents report no one has been there in weeks. The surrounding residents are afraid that the condition of this home is lowering property values in addition to attracting wild animals to live in the neglected conditions. The entire community is troubled that the mortgage process has been allowed to carry on for so long without action on a home that will ultimately end in foreclosure because the owner has abandoned the home.
Consumer complaint received 2015-07-25
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: SIMM Associates, Inc. (NY)

The person from SIMM associates that I was contacted by identified me ( without XXXX stating that it was an attempt to collect a debt ) by discussing a payment arrangement we had made, then reading out to me the last XXXX of my SSN. He then disclosed that it was an attempt to collect a debt - without my telling him any information, only confirming that information which he read to me. I have legitimate concerns with the possibility my personal information was given out. When I hung up and tried to contact a manager there, I was placed back on the phone by the operator with the agent that engaged in this malfeasance.
Consumer complaint received 2016-04-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (LA)

I have had a checking account with PNC BANK for many years. I am a XXXX XXXX year old XXXX who has his social security XXXX pension deposited directly in my checking account. I have huge medication expenses and during this time of the year I sometimes overdraw my account. I have opted in for overdraft protection which I know will cost me a lot when I over draw. I have tried to open a savings account to protect me from these large charges but I am XXXX miles from the nearest branch and therefore PNC says I can not prove who I am as required by the Patriot act. They do n't like old people I think. In order to effect a better option for overdraft charges, which are killing me ( I am a XXXX XXXX patient ), I called the bank several times and they suggested that I apply for a PNC VISA CARD and opt to use the credit limit on the card to act as my overdraft protection. This I did and a PNC VISA credit card with a {$1000.00} credit limit was granted to me. I was told that this card would be used for my overdraft protection. They advised that my credit card limit would be used as my over draft protection, but I would incur a cash advance charge when that feature was used to comer my overdraft. I so agreed. I am XXXX and can not read with my XXXX ( XXXX which I do n't have at this time ), so I called the bank many times to assure myself that my overdraft protection up to my credit line was in effect.i was told it was. The bank erred the first few times I had an overdraft and they charged me about {$70.00} as I recall. I called them and they acknowledged their error, that being that my visa credit line was not attached to my checking account properly and they would do so immediately, and refund the charges. This worked for awhile and they would debit my Visa and charge me {$10.00} each time. I thought {$10.00} was too much as no one ever told me it would be that high. After awhile PNC again started charging me {$35.00} X XXXX every time I over drew. My check is only {$1700.00} so this really hurts. The bank knows of my low vision problem. This past month these charges amounted to over {$270.00} which I think is unlawful. I called them and that they reverse all the charges as I had more than {$600.00} of my credit left on my Visa. They refused. Please see if you can help me. Many thanks XXXX XXXX
Consumer complaint received 2015-06-14
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (MD)

Discover Bank erroneously deleted me as the primary account holder on my savings and checking accounts and assigned my daughter who was a joint holder with me as the sole owner of these accounts. As a result, I lost access to my accounts. Discover Bank then started withholding federal backup interest even though the IRS did n't require that I be subject to such withholdings. When my daughter brought what had happened to Discover Bank 's attention, they readily admitted to their error, surprisingly also admitted that this had happened before to other customers, and promised to undo it as quickly as possible. However, soon after agreeing to fix their mistakes they stopped working on it and communicating with us. Please see the attached letter for a detailed discussion of what happened.
Consumer complaint received 2015-08-01
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: EMG ACQUISITION GROUP, LLC (NV)

Paid the loan off in XX/XX/XXXX. However because they processed my loan on XX/XX/XXXX and not the XX/XX/2015, they reset my loan and gave me an early payoff amount. As of XXXX XXXX 2015 I was done paying for the loan. XXXX XXXX 2015 they processed a debt payment from my account of {$66.00} that were not suppose to take as the loan has been paid off for over a month. They said to return the money to my account take 48hrs or I could come pick up a check from the office. So now this is going to cause my rent to check to bounce and a late fee to be assisted to my account and leasing office to charge me a fee as well.
Consumer complaint received 2016-11-23
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (FL)

XX/XX/2016 I called Quicken Loans looking for general info re : a refinance. I later learned of a " Hard Pull '' having been performed on my credit that resulted in a XXXX pt. loss to my score. I immediately called back and complained about the loss and was told I gave permission for the " pull '' which I contested then as I do now even after hearing the conversation as it was recorded originally. QL escalated my complaint and researched the call and did call me back with their results. 
As I explained to them all I want is to be made whole and a cursory inquiry as to what refinance options they may have had available should not have cost me those XXXX points. I covet each and every point of my score and at no time did I make application for QL to proceed with an offer to refinance my mortgage. 
In the recorded conversation QL played back to me and used to authenticate my acquiescence to the credit pull, I disagree with their conclusion that the recorded phone call indicates I authorized the pull. 
Thank You XXXX XXXX XXXX
Consumer complaint received 2016-10-31
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (MI)

I have been working diligently to repair my own credit. My credit score was XXXX four weeks ago, now it 's XXXX, all of a sudden my score drops almost XXXX points for no reason at all. I have paid my credit cards in a timely fashion. I have brought my utilization to the right percentage, and my score is continually dropping every day for no reason at all. My husband and I share the shame credit cards, and his scores are constantly going down. All XXXX credit bureaus are reporting my score inaccurately. My utilization is XXXX % which is good. This is unethical, in what is going on with the XXXX credit bureaus. They inaccurately reporting my credit score and this is not fair. My score should n't have dropped almost XXXX points in four weeks if I 'm making sure my utilization is good, and payments are good and on time. If you could help me in any way that would be greatly appreciated. I 'm utilizing XXXX XXXX which I was told that XXXX owns this company, it 's a scheme to keep people looking like they have bad credit to make them suffer and not be able to get the help they need in society. They ought to be ashamed of themselves for being unethical with their approach. The scores on XXXX XXXX are updating daily and fluctuating up and down by a lot of points in which I do n't understand. This is unethical please see attached picture of this.