davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (SC)

On XXXX XXXX, This debt collector contacted my employer through our XXXX   phone number that is used for XXXX  emergencies and XXXX  XXXX. representative was told by staff members to please not contact this number for any personal calls but the representative insisted to speak to this person even after being told this designated number is for XXXX XXXX only. An office manager had to speak to the debt collector and repeated verbally once again to not use this phone number for anything personal, rep interrupted multiple times to insist it is personal but needed a message to be left. Office manager respectively told the debt collector once more she can take a message but to please not call this line. Rep insisted to speak to person in debt and was not listening to us. We are a business and only have 1 line for all our small business needs.
Consumer complaint received 2016-12-15
Product: Credit card — 
Issue: APR or interest rate — 
Company: FIRST CITIZENS BANCSHARES, INC. (VA)

In XX/XX/XXXX a fixed APR of 7.99 % was offered to me by the person who opened a credit card for me with First Citizens Bank. I received an activation letter with the credit card enclosed confirming the 7.99 % APR ( letter enclosed ). I transferred a balance to this card. There as been to other transaction on this card since it was opened. There as never been a late payment. The credit card company is now billing me at the rate of 8.24 %. I had XXXX conversations by phone with the credit card company on the morning of XXXX. I was told in both conservations that the credit card company has no record of my rate ever being 7.99 %. 
A quarter percent here, a quarter percent there, adds up to millions. Think that is why they ca n't find the records?
Consumer complaint received 2020-10-12
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. (MO)

XX/XX/2016. My project loan from XXXX XXXX XXXX XXXX was compromised and added to a companies pro desk account. Chargers were made on the account, without having possession of the card. I contacted XXXX, filed and identity report with the FTC. Filed a police report as well. I continued to pay the account in the beginning of resolving this matter, due to the fact I did not want my credit affected. They never removed this account from my credit, although I had proof of identity theft.
Consumer complaint received 2020-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Hello, LoanCare / XXXX have destroyed my credit and my mother 's credit due to their incompetence in my loan servicing and reporting. My payment was sent in XXXX for XXXX and XXXX payment and I make sure that the instruction was properly relayed to LoanCare / XXXX, but they maliciously applied the payment to XXXX only and reported my mother 's and my payment late to the credit bureaus. I have spent more than 60 hours trying to have them rectify this situation to absolutely to avail. Every time I call, I'm told that a letter will be sent out to me stating that I'm not late on my payment, but up till this moment, that letter is yet to be issued. My credit score have dropped from XXXX to now XXXX from my recent inquiry of XX/XX/2020. I have never been late on my mortgage payment and this seems like a systemic bias becasue every time i call, I'm being placed on a 58 to 2 hours hold without anyone assisting me. Today I called and spoke to a Mr. XXXX ID # XXXX who then placed me on infinite hold that lasted for more than an hours with the automated system stating that there is no one available to take my call. I'm currently unable to refinance my home from a 4.75 % interest rate to available 2.50 % rate. My mortgage broker, Mr. XXXX XXXX have relentlessly attempted to assist me to no avail as well. Him and I have been calling for more than a week now. LoanCare / XXXX have destroyed my credit and now might make me loose my home. I need help asap.
Consumer complaint received 2020-10-12
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. (OH)

This is account is reporting inaccurate information XXXX XXXX/XXXX # XXXX on Experian, XXXX, XXXX. 

On XXXX  reporting Exceptional History not late payments ; however reported as a Charge-off ... On XXXX  reporting as " Unknown Payment History Charged-off as bad debt ''. Reporting on Experian with incomplete payment history and as Charge-off with a balance. 

Please remove this account as your violation of the Fair Credit Act 611 as this information is inaccurate.
Consumer complaint received 2020-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Origination dated XX/XX/XXXX - Wells Fargo did not calculate the correct amount to withhold at closing to pay property taxes. They claim to have sent a letter dated XX/XX/XXXX but I never received that. They did not follow up again until XX/XX/XXXX. Case opened in XX/XX/XXXX and not closed until XX/XX/XXXX. Wells Fargo owns the error and corrected it. 

In XX/XX/XXXX I went in forbearance - Since XX/XX/XXXX I have been trying to get off but they could not guide me properly until the origination case was resolved. I was advised multiple times not to pay anything and to continue on the forbearance. Multiple calls were made to Wells Fargo between XX/XX/XXXX and XX/XX/XXXX and never once did anyone mention that I could have been been paying into Escrow since XXXX. 

I have asked Wells Fargo to eat the escrow shortage for XXXX, XXXX and XXXX since they advised me not to come off forbearance. At this point I should be asking for the whole things since I have trusted that my lender was advising me correctly from XX/XX/XXXX and clearly that has not happened once. They so much as asked ME to provide the dates, times and representatives that I spoke to numerous times in various departments. They should have every call documented on my account to be able to see this. This is nothing but an excuse to tell me that they in fact gave me proper information. These are recorded calls!

If it was easy enough for me to switch lenders I would have already done that. The fact that I'm stuck with them or attempt to refinance with another lender after just shy of a year.

I am so disappointed with Wells Fargo. I have 2 bank accounts and a credit card with them and really though going with them for the mortgage was the best decision. The lack of consultative services is detrimental to people and they do not seem to care. I feel sorry for the people that don't want to spend months fighting with these folks. 

XXXX XXXX - VP ( executive office ) of some sort will not return our calls XXXX XXXX - AVP ( executive office ) was one of the people that advised me not to pay XXXX mortgage. She sent me to Home Preservation to defer my payments and never told me that XXXX would automatically be deferred if it was done after XXXX. So she personally put me further in the hole. 
XXXX XXXX - AVP ( executive office ) promised me he would consider my request for XXXX, XXXX, XXXX escrow payments but instead sent a lower level rep to tell me no. She had no idea of anything else that had gone on. 

Home Preservation team - they can not look at escrow and therefore cant even tell me what is due. They think my payment is XXXX but I received a letter from Wells Fargo that says XXXX. 

No one can tell me what my next payment will be. No one can tell me my options for escrow repayment. No one wants to help me anymore. 

Sadly, this is the short version of this story.
Consumer complaint received 2020-10-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Over the last year, I have paid my debts on time and off. Last month, I inquired for a mortgage and my XXXX  report was XXXX. Since that report, I have paid off a huge collection. After paying the collection, XXXX  took my score down to XXXX. I have called them twice to find out why they punished me for paying my debt but they say that my score is based on other issues. No other issue have occurred on my report other than I have paid the collection and an auto loan that has been paid in full and is not showing paid on any bureau reports. I do not understand how I am being punished with a lower credit score after paying the debt opposed to my score increasing as other reporting bureaus have done. Please help as I am currently homeless and at this rate and the credit score game, I will never be able to afford or qualify for a home. Thank you.
Consumer complaint received 2020-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

After several months of waiting, Loandepot.com sent us closing documents, which we largely e-signed the first time on XXXX XXXX, with a notary to show up that day for some original signatures. They never showed up. The next day, I was contacted by a notary, and set a time to sign, but was later contacted to postpone because the notary did not receive the closing documents. This continued to happen until we signed on XXXX XXXX. The loan was to fund by XXXX XXXX and I received a confirmation from Loandepot.com that it would. I write daily and the loan remains unfunded as of close of business today, XXXX XXXX. I now have a mortgage payment past due to my original lender, and apparently we have one to Loandepot.com.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I have reached out to XXXX, XXXX, XXXX, and experian on multiple occasions to investigate the incorrect reporting of this account and each account. This account is not reporting 100 % accurately and has multiple violations in the reporting. Each time I receive letters saying that this is verified and that the debt is validated ... how is that possible if the reporting is totally inaccurate ... .They did not conduct a proper investigation and they are in violation..I am XXXX ... I will be filing a complaint with the state attorney general if this is not removed immediately ... .see attached report and see below for some of the violations that my untrained eyes see ... someone should be holding these companies accountable to follow the law and guidelines that they are supposed to follow. This account is charged off and sold to a collection agency but reporting
a balance of {$2100.00} this is a violation they are reporting a credit limit on a charged off account. this is a violation they are reporting 2 different high credit limits this is a violation they are reporting a past due balance on an account they sold to a collection agency and charged off ... this is a violation they are reporting 3 different dates of last active. this is a violation ... this account has been re aged the 2 year payment history is definitely a violation ... they are reporting a new charge off each month and this is killing my score ....
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I have reached out to XXXX, XXXX, Equifax, and XXXX  on multiple occasions to investigate the incorrect reporting of this account and each account. This account is not reporting 100 % accurately and has multiple violations in the reporting. Each time I receive letters saying that this is verified and that the debt is validated ... how is that possible if the reporting is totally inaccurate ... .They did not conduct a proper investigation and they are in violation..I am XXXX ... I will be filing a complaint with the state attorney general if this is not removed immediately ... .see attached report and see below for some of the violations that my untrained eyes see ... someone should be holding these companies accountable to follow the law and guidelines that they are supposed to follow. This account is charged off and sold to a collection agency but reporting a balance of {$2100.00} this is a violation they are reporting a credit
limit on a charged off account. this is a violation they are reporting 2 different high credit limits this is a violation they are reporting a past due balance on an account they sold to a collection agency and charged off ... this is a violation they are reporting 3 different dates of last active. this is a violation ... this account has been re aged the 2 year payment history is definitely a violation ... they are reporting a new charge off each month and this is killing my score ....
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MA)

I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
Consumer complaint received 2020-10-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I've sent 3 separate letters asking that the company stop contacting me other than for the purpose of validating the debt. Despite my legal request the company has repeatedly contacted me in an attempt to collect the debt via both phone and email. They call multiple times despite my asking them both on the phone and through mail to stop contacting me unless they can validate the debt. 

First letter was sent to the company on XX/XX/2020 Second letter was sent to the company on XX/XX/2020 Third letter was sent to the company on XX/XX/2020. 

I have received the following verified phone calls at these times and dates from the company, however, several other phone calls are also suspected to be from the company which constantly calls from different numbers making it difficult to track them all : XX/XX/2020 - XXXX XXXX   XX/XX/2020 - XXXX XXXX  XX/XX/2020 - XXXX XXXX  XX/XX/2020 - XXXX XXXX   XX/XX/2020 - XXXX XXXX  XX/XX/2020 - XXXX XXXX XX/XX/2020 - XXXX XXXX  And more, that's as far back as my phone history goes. Everyone of those calls occurred after I asked not to be contacted and constitute a violation of the Fair Debt Collection Practices.
Consumer complaint received 2020-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I filed Chp XXXX, which was later converted to a chp XXXX. In the plan payments, Kohl 's agreed to {$280.00}, which was to be paid to their Bankruptcy attorney, XXXX XXXX  XXXX. The debt was paid in full, but Kohl 's is saying that I still owe {$78.00}. To make matters worse, they are reporting to the credit bureaus, which is a direct violation of the Chp XXXX bankruptcy. Because they keep doing that, it continues to affect my credit very negatively. This is borderline extortion. I have called both Kohl 's and XXXX XXXX  XXXX numerous times and neither are helpful. I have a letter from my attorney and emails from XXXX XXXX  XXXX that the debt has been totally paid. I have the check images of all the payments to XXXX XXXX  XXXX and have sent those to XXXX, but as of today Kohls ' refuses to acknowledge that the debt is paid and once again, reported the account past due.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I have submitted disputes every month for 6 months to all 3 credit bureaus - XXXX, Experian & XXXX. I've received confirmation that the bureaus have received my disputes, but I have never received a response, the account I'm disputing has never been listed as " in dispute '' and the inaccurate information is still on my credit report, damaging my score. Not one of the credit bureaus has responded to any of my dispute letters, this is not only illegal, but that means the account in question qualifies for deletion from all 3 bureaus.
The account I've been disputing is XXXX XXXX, it's a loan that was never personally guaranteed by me, it was a company I worked for, but had nothing to do with me personally. This is illegal and unjust.
Consumer complaint received 2020-10-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (CA)

I owed {$730.00} end due to over milage at an auto lease end. As directed, I submitted a payment on XX/XX/2020. Chase Auto Finance received my payment on XX/XX/XXXX and my check posted on XX/XX/XXXX. 

Since XXXX, Chase Auto Finance has called trying to collect my payment of {$730.00} every month. My only recourse was mailing front and back of my cleared check to : Chase Auto Finance Attn : Research Dept. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX I mailed proof of payment ( front/back of check ) in XXXX and again in XXXX as they continued to request During my monthly collection call ( XXXX ) I was asked to FAX ( XXXX ) and Chase said I have an outstanding balance of {$730.00}. 

Today, was my XXXX collection call from Chase Auto Finance claiming I have an outstanding balance of {$730.00}. I was once again asked to prove my payment ONLY by FAX to XXXX. 

I have mailed a copy of my cashed check twice and faxed twice and yet I have to prove a negative to Chase.

How is it possible in the year XX/XX/XXXX, the customer has to prove to Chase Auto Finance via Postal Mail and FAX that I have made the payment? Chase are the ones who have misapplied the payment. I have been harassed for over 3 months with collection calls and still
no clear explanation and ownership by Chase. Chase has stolen my money!
Consumer complaint received 2020-10-12
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: Experian Information Solutions Inc. (FL)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (WI)

I went to XXXX XXXX XXXX XXXX through XXXX I graduated and left the school. Several months later I discovered that XXXX XXXX XXXX was closed due to fraud. I also discovered that Navient and peaks loans were involved in fraudulent practices against it's students. I went on Navient and filed a form right against repayment seeing my diploma was no longer any good. Navient has charged me over XXXX in student loans and with the interest that occurs every month and each year had sky rocketed over XXXX in student loan debt. I have tried to talk to Navient to get these loans discharged several times and they won't budge as well as my my form right against repayment sits in limbo with no one deciding. Meanwhile my student loan gets bigger and bigger and Navient refuses to cooperate.