davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-28
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JPMORGAN CHASE & CO. (IL)

ON OR ABOUT XX/XX/XXXX I TOOK MORTGAGE OUT WITH CHASE MANHATTAN MORTGAGE LOAN NO. XXXX AND IN THE PROCESS TRANSPOSED NUMBERS AND IN ERROR CREATED A NEW LOAN TO SELL TO XXXX, XXXX & XXXX XX/XX/XXXX. 
THE GOOD NOTE # XXXX AND BAD LOAN NO. XXXX BOTH ACCOUNTS APPEARED ON MY CREDIT REPORT AS DUPLICATE, AND DISPUTED THIS PROBLEN WITH ALL CREDIT BUREUS WITHOUT CORRECTION AND VERFIED VIA FURNISHERS TO BE CORRECT XXXX TIMES UNTIL S.O.L. EXPIRED ON XX/XX/XXXX AND FINALLY DROP OFF AND WHEN SOLD OR TRANSFERRED TO XXXX XXXX XXXX LOAN XXXX REPORTED AS DUPLICATE TRU THIS DAY.
Consumer complaint received 2015-04-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: JPMORGAN CHASE & CO. (MA)

I have XXXX variable interest rate loans through Chase and since XXXX the interest rates on XXXX of the XXXX loans have risen a small amount -- .04 %. I noticed this recently while logging on to make a payment but I was never notified of the interest rate increases. I understand that my interest rate can change, I just expected to be notified. I called the bank and they confirmed that I was never notified and apologized. I asked them to make sure I was notified about any other future increases. 

While I hope they comply, I wanted to make sure this did n't happen to anyone else. Are banks required to notify you when your interest rate on a variable rate loan increases?
Consumer complaint received 2016-05-28
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (MO)

XXXX XXXX XXXX incorrectly charged me on an old, probably inactive account and incorrectly billed me at a wrong address, per their own representative ( XXXX XXXX on XX/XX/XXXX per fax from him ). XXXX said the bills were returned to XXXX by the USPS as not received. 

I never received these bills. Unknown to me, my account went delinquent, and was charged off as unpaid XX/XX/XXXX and XXXX XXXX sold it to a credit collector. Upon notice from credit collector, I called XXXX XXXX, and spoke to XXXX XXXX, their XXXX, XX/XX/XXXX, who said he would pull my account back from credit collector and resolve it with me in house with documentation of a {$140.00} charge balance on # XXXX account. This never happened. 

This has adversely affected my credit and caused me to not be able to get a competitive rate to refinance our home loan under both my name and my husbands. Because of this negative effect on my credit due to this, to get a competitive rate, we had to leave my name off the mortgage loan. This puts me at a disadvantage for current and future credit needs in my own name. I have worked part time, while raising our children, relying on my husbands income. I have been diligent in keeping both our credit standings at excellent. It makes me angry that XXXX for XXXX XXXX has been unwilling to correct their errors, negative result on my credit bureaus, collection and return me to my previous excellent credit. Can you help me? 

I attach the fax from XXXX representative verifying this, along with documentation and communication, over the last 3 years, with XXXX XXXX, credit bureaus and collection agency to no avail so far in correcting XXXX XXXX 's original errors in billing. Please let me know how to proceed and if I can provide you with any other info. Thank you for your help
Consumer complaint received 2016-08-19
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (TX)

In XXXX XXXX, American Express posted charges on my account of {$1700.00} and XXXX which on our about XXXX XXXX, XXXX communicated would be reversed. These amounts were not reversed and I had a significant credit balance on my account which remains over {$100000.00}. The account is closed and I have been regularly following up on the reversal. Each time the representative has indicated they need to do further research and I needed to be patient. I have spent more than 20 hours in the last 60 days on hold while waiting for resolution and working with multiple supervisors to pull the recordings in order to reverse the charges. I received a good faith credit of {$500.00} so the remaining credit outstanding is {$2100.00}. American Express has held my personal funds more than 8 months and the credit balance is greater than {$100000.00}. They will not resolve the reversal of the fees and continues to hold my credit balance. They indicated on multiple occasions they need to investigate but they never follow through. They indicate they will call me back but they do not. I have several supervisors names and extensions who are researching. They are extremely apologetic on the phone and express the empathy for my status but do not resolve. My credit score is greater than XXXX and I pay my bills monthly in entirely. I do not have any interest charges on any credit for more than 20 years so this Amex Charge is completely unfounded. 
After spending 4 months contacting Amex regularly, I have no confidence this will go for many more months. There is no incentive for them to resolve my account. I have cancelled all cards with American Express because of this experience. 
How do I get to the right team member in AMEX to complete the reversal of the inaccurate charges on my account?
Consumer complaint received 2016-08-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (PA)

Chase Receivables has been robocalling me several times a week with a message for XXXX XXXX. I am not this person, nor do I know anyone with that name. 

I called Chase back using the XXXX number given, explaining that I have owned my phone number for the past fifteen years and it does not belong to the person they are trying to contact. The service representative claimed that my number was not in their database. Since then, I have received at least two more calls for XXXX XXXX.
Consumer complaint received 2015-03-22
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (KY)

I have XXXX amex credit card. I have accumulated reward money on it for year XXXX which were supposed to be sent to me in XX/XX/XXXX month as coupon. I am yet to receive it. 
I wanted to cancel the card because of poor service but I have been told If I cancel the card I will not receive my last years reward coupon. I understand if they would have said this for year XX/XX/XXXX. I felt it was kind of a ploy to keep me from not cancelling the card. 

My card details are as follows name- XXXX XXXX credit card number - XXXX
Consumer complaint received 2015-03-21
Product: Credit card — 
Issue: Bankruptcy — 
Company: BARCLAYS BANK DELAWARE (NC)

Acct # : XXXX Yesterday my credit report was pulled and it is showing Barclays Bank is reporting to Credit Reporting Agencies that I owe {$48000.00}. 
XXXX 2011 I was granted Discharge of Debtor under Chapter XXXX Bankruptcy and this debt was included and notices were sent out by my attorneys office. 
On the credit report it not only states that I owe this debt but it also states the Account was closed at consumers request and states as 'Profit & loss '. 
It should state 'In Bankruptcy ; Chapter XXXX ; Bankruptcy discharged ' with a XXXX Balance. 
Please correct this as soon as possible. This is an extreme negative report against me that should be showing as charged off. I 'm sure your company has written this off long ago. 
If needed/necessary I have all documentation to prove my position. 
My attorney is XXXX XXXX. You can call him at XXXX and he will answer all of your questions about my case. 
Or, you can contact me at XXXX and email XXXXXXXXXXXX XXXX XXXX
Consumer complaint received 2017-01-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (MA)

My mortgage was sold to Loancare and the immediately increased my payment to {$1500.00}. My previous payments were {$760.00}, with XXXX XXXX XXXX, who sold my loan to Loancare, LLC of XXXX. I had filed a complaint with the XXXX office. The terms of my loan have been completely changed. I 'm now being billed at the rate of XXXX. My interest payments are higher and my principle payments are lower. loancare has illegally rewritten the terms of my mortgage. Please review my case and inform me of any pending class action suits against Loancare. 
sincerely, XXXX XXXX
Consumer complaint received 2015-07-09
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (GA)

I mistakenly paid off my entire bill of $ XXXX instead of paying my regular monthly payment of {$35.00} on XXXX XXXX, 2015. Called on the XXXX to request a refund. It was granted and I was told it would be sent out the next business day. As of today, XXXX XXXX, I have not received any of the XXXX checks to be sent to XXXX different addresses. I have called countless times to request the money to be direct deposited into my account but their policy states the amount has to be {$3000.00} or more.
Consumer complaint received 2016-01-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TX)

the person they are trying to collect from does not live or has ever lived in our home and is unknown to us. We have lived here for more than 25 years. They are trying to collect from a XXXX XXXX I have explained this over the phone numerous times and now they are sending collection mail to my address
Consumer complaint received 2015-04-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

After submitting the request information at annualcreditreport.com, each of the XXXX credit bureaus claimed they could not provide my reports. When I attempted to submit a comment/complaint, the site claimed it could n't even accept a comment. This is a scam. I viewed my credit report at my credit union today and I KNOW what information they have. But in order to get a copy of the report, they want me to provide them with information I know they do not currently have. I am not willing to play that game. They owe me a copy by law. How can I force them to comply?
Consumer complaint received 2015-05-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMA Advisors, LLC. (TX)

I asked a loans officer who had previously help me obtain a previous mortgage what thee estimated cost would be for a new mortgage for a new home I wanted to look. I wanted to get ahead of the curve by knowing what my estimated closing cost were and the rate based on current 30 year fixed rates. However, the loan officer took it upon herself to pull my previous file and run my credit with out my permission. It came as a shock when she sent me the credit report. The officers name is XXXX XXXX from XXXX XXXX XXXX. NMLS # XXXX XXXX # XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (FL)

I will never stop refilling complaint to the I.C. SYSTEM, INC for allowing the fraudulent accounts and for not taking corrections on my credit report despite the multiple request I sent. I have my dispute letter dated XX/XX/year>, alongside with this complaint is the identity theft report number XXXXThey allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2016-04-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (GA)

I tried to order my XXXX credit reports through XXXX on XXXX XXXX, XXXX. I was able to get my XXXX report right away. I could not get my XXXX report because I may have answered a loan/credit card question wrong that had occurred in XXXX ; this cut me off from getting both my XXXX and Experian reports. 
That evening I called XXXX to see if I could get my reports through their automated system. The system said that my order was complete for my XXXX free credit reports and that it may take up to 2-3 weeks to receive. 
In the middle of the third week I tried to call them to see what the delay was and to see if they were EVEN on the way. I 've been over their site, over the XXXX credit reporting agencies and there is no way to talk to someone about this without sending something in the mail to them and waiting even longer for communication. 
I finally talked to someone here at the CFPB to see if she could find any contact info so that I could talk to a live human. The only thing she finally found after 10-15 minutes was a number for XXXX. I finally talked to a human and she would not allow me to get my reports and told me to write a letter ; what good is that going to do when I have tried on-line and by phone. 
Here it is now, 4 weeks since ordering my reports by phone and they are still not here and there is no human for me to discuss this with. I even tried an old phone book of mine that had the XXXX credit reporting agency 's numbers. XXXX rang and then went dead and Experian 's number tells you to go online ; still ... .no human contact to solve this matter. 
I have a letter of Full Faith and Credit from the Secretary of State- XXXX XXXX , but ca n't even get my own credit report!
Consumer complaint received 2024-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (IL)

I have two Tax IDs on my closing documents ( dual lots ). Mr Cooper successfully paid the primary lot but the secondary lot was not paid for. I received a deliquent notice on XX/XX/XXXX. I contacted mr cooper on the XXXX and was promised taxid XXXX would be paid along with the late charges of XXXX. Original tax bill was XXXX. My escrow had XXXX to cover the amount at that time. I called again on the XXXX and my call was escalated to XXXX ( XXXX ). I provided her the phone number to the county collectors office and I was assured it would be paid. I called again today and was hung up on. I am going to have to pay this out of pocket. I can submit the original closing disclosure which indeed shows 2 tax ids. My broker indicated that he has 3 other clients with the same issue and he suggested filing a cfpd complaint.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I received a copy of my credit reports and am writing to dispute the following fraudulents accounts and information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, 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 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 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 2017-02-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OH)

I have a mortgage that was modified in XXXX XXXX through the XXXX XXXX XXXX XXXX XXXX program. I was promised a " Borrower Incentive '' of {$83.00} per month accrued as a monthly benefit to my mortgage loan to reduce principal and to be applied each of the XXXX through the XXXX anniversaries of the month in which the Trial Period Plan was executed ( XXXX XXXX ). 
Although the incentive has been applied it has not been applied in full for any of the anniversary dates other than XXXX. 
The loan was originally modified by AHMSI, American Home Mortgage Servicing Inc, then went to Homeward Residential and now is with Ocwen. 
I can see documented and the Incentive applied as follows : XXXX/XXXX/XXXX {$910.00} ( Homeward Residential *attached ) XXXX/XXXX/XXXX {$830.00} ( Ocwen *attached ) XXXX/XXXX/XXXX {$910.00} ( Ocwen *attached ) XXXX/XXXX/XXXX {$1000.00} ( Ocwen *attached ) XXXX/XXXX/XXXX {$5000.00} ( Ocwen *attached XXXX Treasury additional incentive applied on 6th yr anniversary ) https : //www.makinghomeaffordable.govXXXX I am unable to verify the Incentive was applied in XXXX, the first anniversary and the first Incentive payment due, and most of the amounts that have been applied do not equal the Borrower Incentive as promised. 
I have asked my mortgage company for details and have been unable to find resolution.
Consumer complaint received 2017-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (GA)

Ocwen Loan Servicing is the second worst company in the world, second only to Litton Loan which there are undoubtedly the sister company. At any rate, they are denying a payoff statement of my loan after their bylaws clearly state they have 48 hours to comply and all of the paperwork was submitted for processing on XX/XX/XXXX and after several calls to their representatives today -- they repeatedly apologize and say they require 6 more business days. This is NOT PROFESSIONAL behavior and is UNACCEPTABLE!!! Please monitor and properly handle stopping this behavior from this company.
Consumer complaint received 2015-06-23
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Fitzgerald Goldman & Associates, Inc. (MA)

Some company continuously calls my house phone, cell phone, and other family member 's home phones who do not live with me. They leave messages as I never pick up, and today they said they are going to review my assets, and listed my current vehicle and a vehicle I no longer own as what they will be reviewing. They also mentioned something about rent or where I live, and I 'm really annoyed as I do not know what the debt even is. They called today around XXXX EST, left that message and said I have 24 hours to respond, which I did not do, and do n't plan on doing. They called me MONTHS ago, but threatened to have me arrested if I did n't comply. I spoke with them back then, and they would n't give any information ; they sent me a botched looking email when I demanded physical paperwork for the debt. 

They also are calling from a different number currently ; right now, it 's XXXX, before, it was an area code from a different state, far XXXX.
Consumer complaint received 2015-04-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Weltman, Weinberg & Reis Co., L.P.A. (GA)

I am being contacted by a debt collector for private student loans that have passed the statute of limitations. I have requested in writing via certified mail not to be contacted further by phone, yet I received another call today, XXXX XXXX, 2015, and this is nearly two weeks after they received notice not to contact. The firm 's name is Weltman, Weinberg, and Reis , Co., L.P.A. based out of XXXX XXXX, OH.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX INT : XXXX
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Dear XXXX XXXX XXXX : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX  XXXX - # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  - # XXXX XXXXXXXX XXXX XXXX - # XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-05-08
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Revenue Corporation (TX)

I have asked United Revenue Corp to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.