davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Integrity Home Mortgage and Finance, Inc. (CA)

Im XXXX and my XXXX is broken but I still would like to tell you my story and find out if you can help me or at least re direct me. 
The loan officer I had was XXXX XXXX and I hired XXXX XXXX to help me get a loan for a house you know it takes time, so when I found a house and applied for it, an appraisal needed to be done and I asked XXXX XXXX if it could be charged to the closing cost and he said No this is not possible Because the appraisal has to be paid right await and could not wait until the closing day, I think he is correct so I paid with my credit card, it took weeks and it required more and more information from me you know as used to but me and my husband were wondered since XXXX XXXX never tell me anything, Im mean nothing, so to get information we will ask XXXX XXXX a realtor that helped me to find the house I was applying for. XXXX did mentioned something in regards XXXX XXXX had issues with his License or the broker, Im not sure because I do n't know much about that, anyways I just keep waiting and waiting, finally the closing was XXXX, this closing letter showed that I was charge once again for an appraisal {$500.00} dollars, I though it was a mistake and or maybe one more of those charges that Im not aware, well let me tell you what happen when we where at he meeting for the closing XXXX XXXX was there and he said something about in his work place the broker had a fight or argument with the lender and the broker left and they had to start my process again. 

XXXX XXXX never notified me nothing! Never ever ask my consent for another appraissal! Never mentioned no problems like this one, I had the right to know, I had the right to decide and if the broker or whoever left why I have to pay twice the appraisal, XXXX XXXX betrayed me and he did all this behind my knowledge, he lied to me saying the underwriter is taking to long and in the mean time he was doing this with out my consent and not only that but he did charged again to the closing cost and in the past he mentioned this was not possible, this men violated my trust why because he thinks Im stupid enough and I was not going to noted on the closing cost. 

Yes the sale is closed now because XXXX XXXX took responsability and said he was going to pay me the money back ( {$500.00} ), I told him he was not responsible and will not take the money from him, XXXX XXXX has no shame and denied all responsability, he did n't even apologized for doing all the appraissal behind my back and not did NOT ask my consent! And I was unaware of all his moves. 
The closing date of the house was XXXX I could not refuse the close because I would loos my down payment and the appraissal fee {$1000.00} that was already charged {$700.00} so clsing was done but there at the office of XXXX XXXX company XXXX XXXX officer and XXXX XXXX had witness when at he same day I found out that the appraisal was charged to me twice with out my knowledge and I was crying because I felt betrayed.
Consumer complaint received 2022-10-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmNet ESOP Corporation (TX)

We applied for a home loan using agent XXXX XXXX ( license # XXXX ) and were pre-approved. We had a meeting with XXXX and expressed concern that another mortgage lender had denied our loan. He said he personally reviewed our file and there were no concerns. On the day we were supposed to close, XXXX said there were delays due to the other parties involved. We responded promptly to every request from his team in an effort to expedite. During this time XXXX was difficult to reach. Finally 2 days after we were supposed to close, XXXX sent a text at XXXX saying the loan had fallen through because my job was temporary. I had provided a letter from my job from the beginning stating it was temporary employment and nothing had changed. We later learned that this is a common reason people dont get approval for their home loans and likely why we were not approved by the other lender. Meanwhile, we were 2 days past when we were supposed to close on our new house. We had sold our home in XXXX  that we had been living in on the basis of being approved for this loan for our new home in XXXX. We were staying with our toddler and XXXX XXXX at friends house with past due XXXX carrying all of our possessions in their driveway. When we tried to contact XXXX, he was unreachable. Our realtor and the title company could not get ahold of him either. I scrambled to borrow money from family because we were literally homeless. As I arranged a cash deal with the title company on my own, the title agent said that XXXX was the worst loan agent that she had ever worked with in all her years due to lack of communication throughout the whole process. A full day later, after we had figured out everything on our own, XXXX left a voicemail on my cell phone that he had been away from his desk during this time and his team, not him, made mistakes and that this was an opportunity for growth. The term opportunity for growth is not a term you should use when describing a situation in which you did not do the XXXX job you were supposed to do leaving a family literally homeless. When a home loan that you are responsible for is past closing date due to you not doing your job, the last place you should be is away from your desk. XXXX XXXX should be ashamed of himself and should not have a mortgage license.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I Recognized fraud inquiries on my account, and would like them removed. I have filed complaint with XXXX and have recieved FTC report. The following inquiries are from XXXX, and Transunion. 

XXXX : XXXX XXXX - XX/XX/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 XXXXXXXX XXXX XXXX - XX/XX/XXXX Transunion : XXXX - XX/XX/XXXX XXXXXXXX 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 2017-01-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (OR)

Called first XX/XX/2017 Specifically requested they do not call me ever again and to send validation of debt, she refused, repeatedly attempted to coerce me into giving more information. Told them not to and that I would ONLY deal with them by mail/email. Sent email and fax as written notification to cease all telephonic communications Called again XX/XX/2017 at XXXX XXXX, called back told them to cease and desist calling me. Sent an email to a XXXX and a VP requesting they cease and desist all telephonic communications Called again XX/XX/2017 @ XXXX, called back again requesting they cease and desist, informing them they are now doubly in violation of the FDCPA. Representative kept insisting " well I am a completely new person ''. This is not my problem, as any of them represent their company and are thus equally liable. Again, attempted to coerce me into a conversation after I repeatedly stated, " I do not deal with third party debt collectors, do not call me again ''.
Consumer complaint received 2016-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates called my XXXX about a " debt '' from 2003 of XXXX trying to get information like where I lived, my social security number, and where I work. They should not disclose personal information to other people about an XXXX year old debt especially.
Consumer complaint received 2020-04-20
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.
Consumer complaint received 2016-09-10
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I started receiving outrageous robocalls from Bank of America on XXXX/XXXX/XXXX and continue there abusive and harassing conduct. 
CALL LOG XXXX. XXXX XXXX XXXX/XXXX/XXXX Cease and desist letter sent 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 These are automated calls leaving repeated pre-recorded messages. 
XXXX. XXXX XXXX XXXX letter sent XXXX/XXXX/XXXX Cease and desist letter sent XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX sues me on XXXX/XXXX/XXXX
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

I have reached out to XXXX and also to the collector MIDLANDCRE regarding the account in question. They are reporting this account as an open account and reporting the payment history as " OK '' in the history section. however in the account status they are reporting this as derogatory account/ collection account. I was trying to investigate this account but there is not an original creditor listed for me to reach out to to validate this debt. Please have this account removed as it is hindering my credit and i cant validate this.
Consumer complaint received 2017-01-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

On XX/XX/XXXX a three/ninety day notice from a very aggressive attorney XXXX claiming to represent a XXXX. without disclosing any debt collection notices as required by law. Soon after, I received a summons to court from Atty XXXX indicating my primary residence and home had been sold in a non-judicial foreclosure. According to my records a Notice of Sale was filed on XX/XX/XXXX then a Notice of Recission was filed on XX/XX/XXXX by Ocwen my current lender. Subsequently, no other notices were filed and I was not notified of any sale dates. I had been communications with Ocwen my lender under review for a loan modification
Consumer complaint received 2022-10-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MECHANICS BANK (WA)

I have been giving the runaround every single month on trying to set up my online profile so I can see exactly what Im paying for I also have never been sent any type of statement that I have requested be emailed to me. I am constantly told that they can not hear me every time I need to make a payment over the phone and they told me to call from my landline as soon as I start giving them my card information. They also tell me that my account is in a status where I can only speak to a specific person and that person is never available and or can only communicate with them by mail.
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

I purchased a vanilla prepaid Visa card at XXXX because I needed a card until my bank could mail me my new debit card. I paid {$4.00} for the card and put {$300.00}. On the card at XXXX. I tried to use the card multiple times only to find out it was frozen every time I had to call the XXXX number and wait on hold for no less that XXXX minutes each time once at a gas station the clerk actually let me borrow money to get back home humiliating! I finally got a hold of someone that basically told that if I didnt like it that they would change the card as compromised and it would be XXXX XXXX until they finished the investigation I hung up and today after over a XXXX on the phone Im told my card has been canceled and they will send me a new card in the mail after XXXX XXXX I have no idea how they can be in business still. I needed to pay a utility bill and I cant now this is unacceptable I have a child with special needs that needs the electric on and I have never been treated so rudely before.
Consumer complaint received 2021-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (NV)

My CoinBase account was frozen due to hacking issue in the beginning of XXXX. I was locked out and can not access my account or any of the money that I had in the account. The CoinBase Case # XXXX was created. I had since requested to regain access to my account multiple times since XXXX. I have received emails from CoinBase asking me to provide ID for verification, which I did on XX/XX/XXXX. Then on XX/XX/21, I was asked to create a new Coinbase account, which I did. I have still not received a response or resolution since then. I am waiting for CoinBase to verify my new account to my old account so that my money can be transferred into the newly created CoinBase account.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

The company has reported a late pay on my credit report which inaccurate. I have never paid late mainly because I pay off entire balance on or before due date. I have asked for proof of a late payment and the company 's representatives have failed to show any proof. This is a clear violation of the 15 USC 1692 and 15 USC 1681. This inaccurate reporting is injuring me financially and has caused me to get outside counseling.
Consumer complaint received 2018-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (PA)

Creditor is reporting accounts that are invalid and unverified. XXXX   XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2016-08-09
Product: Debt collection — Payday loan
Issue: Communication tactics — Called outside of 8am-9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

Continuous calls from them before XXXX. Got one XXXX i told her she was calling before legal time and she didnt care and got really nasty about my debt. Her response was " well its because you have an account to settle ''. So unprofessional and pushy and rude. Please reprimand this company immediately!
Consumer complaint received 2016-06-20
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (PA)

I discovered that Volkswagen credit reported a 30 day delinquency on my credit report. I disputed it, and XXXX claims they verified the delinquency. 
I then contacted VW and they assured me the reporting was in error and would be removed. 
I notified the credit bureaus, who refused to remove the delinquency, despite the fact I saved the voicemail from the manager at VW verifying the delinquency was being removed. 
I contacted VW and obtained an email AND a written letter verifying the delinquency was being reported incorrectly and would be removed. 
I mailed a copy of the email and the formal correspondence from VW to each credit reporting agency. They refuse to remove the delinquency because they previously investigated the matter, DESPITE THE FACT I HAVE WRITTEN CORRESPONDENCE FROM THE LENDER INDICATING THE DELINQUENCY SHOULD BE REMOVED. 
If this is not resolved, I will be forced to proceed with legal action against the credit reports. I seek to have this matter resolved without undue delay and costs.
Consumer complaint received 2022-10-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CITIBANK, N.A. (NY)

I have a personal loan with Citibank and this is the third complaint about the bank not crediting my payments. They failed credit my payments for the month of XXXX. I paid {$220.00} on XX/XX/2022 and {$220.00} on XX/XX/2022. Payment for this month is due on XX/XX/2022 in the amount of {$430.00}. My payments should satisfies this month however, they are saying Im pass due for {$210.00}. Please assist
Consumer complaint received 2022-10-26
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (IN)

Call from Navient. Called me 4 times on XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from phone number ( XXXX ) XXXX.
Consumer complaint received 2022-02-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ALLY FINANCIAL INC. (MI)

These accounts with ALLY FINANCIAL with account numbers XXXX and XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX XXXX and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
Consumer complaint received 2017-01-27
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Medical Data Systems, Inc. (OH)

I received a phone call at my place of employment today and there was a voicemail left for me. I returned to call to find out they are attempting to collecting a debt for a visit to an emergency room. I informed them at the beginning of my call that I received a voicemail at my place of employment, after he explained what the debt was for I asked to not be contacted at work and that I would make a phone call myself to the company after I am out of work. He declined to acknowledge they were contacting me at work and asked how I would be taking care of the debt, which I informed him again I was at work and would discuss this at a different time. The collector then informed me I had 13 months to discuss my debt and have yet to do anything. I simply hung up after that statement.
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I attempted to apply for a loan and the other person that I was trying to attempt to apply for the loan fraudulently deposited to counterfeit checks into my account the bank accepted the checks when they found out they were counterfeit checks they automatically put a hold on the checks froze my account then they returned the checks to the person who deposited the checks into my account my account is still froze I can not use my account for anything I can not pay bills withdraw money deposit money my bills are now late I am being charged late fees due to my bank refusing to pay my bills or close my account before XX/XX/2022 I am being penalized for someone else 's actions that sums it up to make a long story short this is not right to the consumer
Consumer complaint received 2022-01-04
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: JPMORGAN CHASE & CO. (NJ)

To Whom It may Concern, Chase Credit Card services has failed to address the error reporting to my credit report. I have forwarded detail information to them that gives them ample reason to remove all derogatory information reporting to my credit profile. 

Furthermore Chase is violating the FCRA ( fair credit reporting act ). The late payment they are reporting is not derived by way of a purchase but is the cause of an internal annual fee. 

Please see the attached letters i have written to chase for your consideration in resolving my issue.
Consumer complaint received 2022-08-04
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Amount {$2000.00} has violated my rights. 

According to the 15 US 1681 Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. My name is XXXX XXXX. I am really getting tired of having erroneous information on my credit. The way the credit bureaus disrespect me, the way they disrespect my privacy, is outrageous! I will definitely take further action if this account is not removed!
Consumer complaint received 2021-03-13
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. (OH)

The following accounts listed below are fraudulent accounts and doesn't belong to me.They are in violation of FDCPA 805/806/809 and the accounts need to be deleted from my credit report : XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX  # XXXXXXXX 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,