davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (IL)

Dir Sir or Madam Following a mortgage transfer from XXXX XXXX to Arvest Central Mortgage, I found myself to be a customer of Arvest bank in XX/XX/XXXX for a Rental property I purchased on XX/XX/XXXX in XXXX. 

On XX/XX/XXXX, my tenant provided me with a an account statement letter dated XX/XX/XXXX requesting the XXXX payment. At first Arvest mail was sent to the loan property and not to my home address. 

On XX/XX/XXXX, I contacted the bank and issued a payment for the month of XXXX and initiated an Auto Draft to withdraw the mortgage automatically from my Bank Account. I received a confirmation email ( attached ) stating that auto payments will be processed starting XXXX. At this point, my assumption is that the Bank will indeed process the payment automatically. 

On XX/XX/XXXX, I received a notification that a derogatory account notice was put by Arvest on my credit report. I reached out to their customer service team and I was told that the auto payment didnt happen for XXXX nor XXXX and it should only happen automatically for XXXX. I want to believe this is a mistake on their behalf since I was working on the assumption that they will be processing the payment automatically and I never received such information that contradicts the email attached. 

That same day, their team processed an auto draft for both XXXX / XXXX payments ( Confirmation attached ) but refused remove the derogatory notice on my credit report. The first written communication with this regards I received was dated XX/XX/XXXX disregarding the payment that was made. 

The derogatory notice on my credit report has severe consequences on my personal and professional situation. I work as a consultant and advisor to some of the largest financial institutions in the US and a stellar credit report is a requirement for my work.

Based on the circumstances I described below, I kindly ask that your help with Arvest Bank to reverse that notice on my credit report and that no other actions are necessary on my behalf. 

Thank you very much Best regards, XXXX
Consumer complaint received 2019-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Ive asked and disputed with XXXX, asking to provide the documents supporting and proving the ownership of acct, they failed to do such and just updated amounts owed on the acct and closed it, if they can not provide proof of ownership then this needs to be removed from my credit as I have asked them directly multiple times via phone ( not saying someone committed fraud )
Consumer complaint received 2019-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I had originally had a medical/health debt to XXXX XXXX XXXX, that debt was sent to XXXX XXXX XXXX who I paid, who then took my debt to XXXX XXXX XXXX, so not only did I pay XXXX XXXX XXXX, but the amount I paid XXXX XXXX was inaccurate. XXXX shows I do not owe them but I owe XXXX XXXX, but won't fix my credit report. I sent a dispute to Equifax and showed them more than enough proof. They ignored my attachments and said I still owe XXXX XXXX.
Consumer complaint received 2019-05-18
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING JEWELERS, INC. (AZ)

XXXX/KAY JEWELERS has reported inaccurate information to the credit bureaus. Such as but NOT limited to ; Account Number, Creditor Name, Account Open Date, Account Closure Date, Account Charge off Date, Payment History, Names, Balance, Amount Charged Off. 

Due to the inaccuracies in my credit reports, I demand that the validation I hereby request, be validated in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of a returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please note that I am also requesting competent evidence that I had some contractual obligation in relation to the tradeline.
Consumer complaint received 2019-05-18
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 — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

The dispute is with Bank of America, N.A. 
Attention : XXXX XXXX Dispute XXXX XXXX XXXX XXXX XXXX, FL XXXX My mortgage is not showing up correctly on the 2 of the 3 major credit bureaus. It is correct on the XXXX  report as it shows the loan active with the current balance. For XXXX and XXXX XXXX the account is being reported as closed with a incorrect open balance. This inaccuracy, is greatly impacting my score with XXXX  and XXXX XXXX. In fact I was recently denied a loan for not having a mortgage as they pulled my XXXX XXXX report. My mortgage is current and on time and I am due to pay off my mortgage early. 

I am sure you can understand how this oversight is hampering my credit history. There is a HUGE discrepancy in my credit scores between the different bureaus. 

I have sent letters weekly for 5 weeks with no responses. 

Please help me resolve XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX
Consumer complaint received 2019-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have had a mortgage with Bank of America for about 13 years. It has been beyond challenging every step of the way. The mortgage is in the name of the Estate of my deceased partner. Early on, I sent B of A documentation dozens of times in order for me to have access to the account allowing B of A to discuss the loan with me. Finally the last few years have been somewhat smooth as I am the only one associated with and paying this loan. I pay the mortgage on time and for the past 3 years or so have been paying an extra {$500.00} a week. Finally their system was posting the extra payments properly to principle.

B of A recently transferred my mortgage to XXXX XXXX XXXX. It should be mandatory that when a company transfers a mortgage they they transfer the mortgage with all documents and authorizations that belong to the mortgage. Bank of America did not do that. 

I called XXXX and via the automated system was able to deduce that they are not posting my {$500.00} to principle but instead to future payments. That is not the way I want it and I have the right to make extra principle payments. The problem is XXXX refuses to speak to me because they way I'm not authorized on the account. INFURIATING!! 

They say I have do dig up the past related to the death of my partner and find old documents and prove I'm authorized on the account. I'M NOT DOING IT! Bank of America has those documents and has received them more times that I want to recall. Bank of America needs to contact XXXX with the documents and then get all of the principle payments sorted out as that is impacting the amount of interest I pay. The consumer should not have to fix the problems that to big lazy institutions have created. These kinds of errors and sloppy postings could ultimately create issues that might impact my credit. I want this fixed now but B of A and XXXX.
Consumer complaint received 2019-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I have had a mortgage with XXXX  XXXX XXXX for about 13 years. It has been beyond challenging every step of the way. The mortgage is in the name of the Estate of my deceased partner. Early on, I sent XXXX XXXX XXXX documentation dozens of times in order for me to have access to the account allowing XXXX XXXX XXXX to discuss the loan with me. Finally the last few years have been somewhat smooth as I am the only one associated with and paying this loan. I pay the mortgage on time and for the past 3 years or so have been paying an extra {$500.00} a week. Finally their system was posting the extra payments properly to principle.XXXX XXXX XXXX recently transferred my mortgage to Select Portfolio Servicing. It should be mandatory that when a company transfers a  mortgage they they transfer the mortgage with all documents and authorizations that belong to the mortgage. XXXX  XXXX XXXX did not do that.I called SPS and via the automated system was able to deduce that they are not posting my {$500.00} to principle but instead to future payments. That is not the way I want it and I have the right to make extra principle payments. The problem is SPS refuses to speak to me because they way I'm not authorized on the account. INFURIATING!! They say I have do dig up the past related to the death of my partner and find old documents and prove I'm authorized on the account. I'M NOT DOING IT! XXXX XXXX XXXX has those documents and has received them more times that I want to recall. XXXX  XXXX XXXX needs to contact CPS with the documents and then get all of the principle payments sorted out as that is impacting the amount of interest I pay. The consumer should not have to fix the problems that to big lazy institutions have created. These kinds of errors and sloppy postings could ultimately create issues that might impact my credit. I want this fixed now but XXXX XXXX XXXX and SPS.
Consumer complaint received 2019-05-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

Back in XXXX OCWEN LOAN SERVICING took on our loan # XXXX in the amount of {$600000.00} of which {$580000.00} was the original loan previously! We continued to make the payments on a monthly basis, this mind you, was a loan modification with balloon payment at end of loan. Fast forward to XX/XX/XXXX, Our loan balance was increased {$46000.00} from the Lender out of our control. Documentation available in attachment. 
What we are seeking is fairness in lending practice, Please seek the amount added on to our loan and reinstate our loan to the balance that we had previous to XX/XX/XXXX. 
We have been through 3 loan modifications in 11 years and currently owe a larger loan amount then we owed 11 years ago, we never borrowed against our home since XXXX. 
I know many years have gone by since XXXX, but we are mainly interested in getting back the {$46000.00} that was added to loan balance on XX/XX/XXXX. 
Thank you, sincerely, XXXX and XXXX XXXX
Consumer complaint received 2019-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

XXXX Last reported XX/XX/2019 {$0.00} Reported balance Credit limit {$330.00} I have sent letter after letter to all 3 credit companies asking that this account be deleted off my credit report it has been paid in full
Consumer complaint received 2019-05-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (TX)

I received a notification from XXXX credit reporting agency that my credit score was decreased by 46 points because of a negative entry submitted by Radius Global Solution for {$100.00}, I called Radius Global and asked them to verify the debt over the phone and in writing because I did not even know what the debt was for. The phone agent transferred me to an alleged supervisor. The supervisor, when attempting to verify my contact information, told me my address, which was not even correct. I was told By the supervisor I would receive an email verifying the debt. To date, I have not received any email. This company submitted a negative entry to my credit report without giving me an opportunity to even see the debt or pay it.
Consumer complaint received 2019-03-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P. (MN)

On XX/XX/ 2019 I noticed the amount of {$990.00} was missing from my bank account which just so happen to be nearly half the funds I had in there. I contacted the bank the same day and they told me that there was nothing they could do on there end that it was a legal order done by XXXX XXXX XXXX   XXXX XXXX XXXX ( XXXX ). obtained the legal order in bad faith as they garnished exempt funds. They are representing LVNV Funding llc, a debt collector who I sent my proof of exemption to. Since sending those people my proof of exemption they have tried to call me to collect the debt and now have illegally garnished my exempt funds through the law office previously mentioned. It has caused me significant hardship as this literally is the only money I live off of as I am XXXX, a full time student and receive only financial aid for school. I have tried to contact them on three different occasions. They do not have an email, so I called them on XX/XX/XXXX the same day it occurred, but no answer. Then I called them on XX/XX/XXXX, the operator picked up and transferred me to a lawyer, but all I got was voicemail, so I left a message. I called again on XX/XX/XXXX and still no answer. So, I again left a message.
Consumer complaint received 2019-03-04
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: EQUIFAX, INC. (NJ)

Todays Date XX/XX/2019 XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX XXXX DOB : XXXX/XXXX/XXXX I received a copy of my credit report, I found a two items on the report were inaccurate accounts. I sent a letter to the credit bureuas & the collection agency where this alleged debt was sold/transferred. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
Name of Account : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Gordon, Aylworth & Tami, P.C. (WA)

I have been accused of oweing a debt that is not owed. The debt is also outside of statute of limitations for collection.The creditor is XXXX XXXX. XXXX XXXX has numerous other law firms attempting to collect the same debt for them. All of the law firms are hired and maintained by XXXX XXXX. The first company to contact me was XXXX XXXX XXXX XXXX . I  recieved a letter from them attempting to collect a debt. I sent XXXX XXXX XXXX XXXX a certified letter return reciept. The letter was an order to cease and desist dated XX/XX/XXXX. XXXX XXXX which is a member of XXXX XXXX signed for and recieved the certified letter on XX/XX/XXXX. XXXX XXXX has now been notified twice to cease and desist and they have ignored all attempts to get them to stop. They keep assigning the account to another law firm who is a member of their colleciton agency. All of the attempts are from members of XXXX XXXX. In the last two months I have recieved calls from an attorney 's office called Gordon, Aylworth + Tami P.C. They call but do not leave any messages. The latest call came from number XXXX on XX/XX/XXXX at XXXX. The call before that came in XX/XX/XXXX from the same number.
Consumer complaint received 2019-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OR)

I went to pay my house payment last month and found that Mr Cooper/ Nationstar raised my house payment over {$600.00} per month. Loan # XXXX I immediately call Mr cooper to find out what was going on. I was told that my taxes went up and there was not enough money in the escrow account to pay the taxes. 
I knew this was not true as I just filed my taxes and my taxes had only gone up by around {$160.00} per year total. 
I told them that and they argued with me and declined to get me to someone that I could talk to about this. 
After looking into this more, what I found is that when Mr cooper put my loan together they did not include one of the tax lots that my property is on. 
I know that they knew about the extra tax lot because they were trying to get a better loan to value on the property by using the lot in the appraisal but couldn't. 
They also had several years of my tax records before they would process the loan. 
Here is what I know happened. I only was getting the load to pay off some credit card dept that I occurred to remodel the property. I told the loan  officer XXXX XXXX that I did not want my payments to be higher than what I was paying at the time. 
She assured me that they would only be a few dollars more than what I was paying at the time. 
Also after they told me the loan was approved and there would be enough money to pay off what I wanted to they came back to me and said that they had to raise the interest rate so that the loan would qualify. 
That did not set well with me but I did it because the rate although higher than I had been quoted by other companies was not much higher and I did not want to go through the whole process again with another company. 
Bottom line is that I just can not afford to pay an extra {$600.00} plus a month on my house payment. This because Mr Cooper did not do there job when putting the loan together. 
I hope that you can help.
Consumer complaint received 2019-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

On XX/XX/2019, I completed a balance transfer online from a XXXX XXXX  credit card account to an HSBC credit card account. I contacted HSBC twice because the transfer has not been completed after over two weeks even though the balance of the transfer shows up on my new HSBC account. In the mean time, I am still paying interest on the XXXX XXXX   account. A transfer like this should not take this long. I don't think HSBC is making an effort to complete this transaction. I need help getting HSBC to do what they offered.
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have an auto loan with XXXX XXXX XXXX XXXX XXXX. My XX/XX/XXXX payment is showing as 30+ days past due and is negatively impacting all 3 credit bureaus. I've had loans deny and my credit card limits are being decreased because they randomly " soft pull my credit score ''. I've disputed the transactions numerous of times and directly talked to XXXX XXXX XXXX. XXXX XXXX is informing me that they are notifying all credit bureaus that my XX/XX/XXXX payment is current and was not 30 days past due. However, when I talked to all 3 credit reporting agencies, they tell me when the send the dispute for XX/XX/XXXX, XXXX XXXX is saying I was 30+ days late and they will not update my credit report. I have worked extremely hard to repair my credit and I feel I'm being treated unfairly. I don't know who's marking the XX/XX/XXXX  payment as late but I'm sending my receipts as proof. Each time the submission was sent to the credit bureaus, I included a copy of my receipt but they told me they can't take my word and can only rely on what the lender is sending. 

I even told XXXX XXXX that credit bureau is saying they are marking XX/XX/XXXX was current but when the send the tape, it's showing late for XX/XX/XXXX.
Consumer complaint received 2019-03-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northstar Location Services, LLC (TX)

I filed a complaint previously about the same scam from the same companies and I thought you had gotten it taken care of. 
I received a new letter in the mail today XX/XX/2019 wanting payment for something I know nothing about. 

Please get to the bottom of these fraudulent collectors and the fraudulent Creditor.
Consumer complaint received 2019-05-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (VA)

For my account XXXX, they sent the remaining {$1200.00} back to the IRS. However, there were some ATM disputes that were left and they replenished $ 800-1,000 back into my account AFTER the money was sent to the IRS XXXX So now there is a balance in my account that is owed to me. I need that sent to me.
Consumer complaint received 2019-05-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NC)

XXXX XXXX XXXX in XXXX XXXX Nc XXXX / flooded my apartment with sewage the spewed from toilet all over the apartment around 2/3 Inches / do to a tree on the property that had grown and had put pressure on the pipes. They refuse to clean the sewage and force me live in unacceptable conditions / I abruptly moved they are staying on my credit report I own XXXX this fraud and unacceptable living conditions / I have notice by written signature before lease was to renew manger is a fraud and I will contact XXXX