davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (MA)

RE : TD BANK COMPLAINT In the Spring of XX/XX/XXXX, I received my yearly request for proof of my hazard insurance from TD bank where I have a small mortgage on a home. I sent proof to the fax # they provided in their letter. I sent it 2 times. On XX/XX/XXXX I received a 2nd notice that they did not have receipt of the insurance. I then had my insurance company send it. 
On XX/XX/XXXX I called the number on the letter and spoke with " XXXX '' who confirmed the bank 's receipt of the homeowner 's insurance policy. I faxed it again to the name on the letter. ( attached ) I received another letter dated XX/XX/XXXX, still not acknowledging receipt of the policy. I then on XX/XX/XXXX,  XXXX XXXX, again called the number on the letter and explained, again, that I have sent and received confirmation that the bank had my insurance policy on file. I spoke with " XXXX '' and she verified the same. 
Again, I called on XX/XX/XXXX ... ditto. 
I received a TD bank monthly payment notice for XX/XX/XXXX stating that on XX/XX/XXXX my mortgage amount would be going up from {$1800.00} to {$2400.00} automatically deducted from my checking account. I called again on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX I spoke with XXXX who again stated it had been corrected and would have a supervisor, named XXXX XXXX, call me to confirm this would be immediately corrected and I would be credited the overcharged amount that they withdrew from my account. 
I called again today, XX/XX/XXXX and spoke with " XXXX '' who said a supervisor would call me back. I said I would like to speak directly to a supervisor and she transferred me over to " XXXX '' who again apologized and said the escrow dept was at " year end '' deadline tomorrow but should get back to me tomorrow. 
This is a fraudulent, bogus business practice. I have been trying to get this resolved for 8 months and now they are overcharging me for duplicate insurance. This is highly unethical and illegal.
Consumer complaint received 2021-01-04
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (AZ)

On XX/XX/XXXX, I signed my official refinance contract with Navy Federal Credit Union. According to the contract, my loan would process on XX/XX/XXXX, and I needed to pay a total of {$5000.00} in closing cost. The closing cost was taken out of my account through a wire transfer. However, I received an email today, XX/XX/XXXX, from my loan processor stating an additional {$4100.00} was needed from me. The email did not contain any documents stating how and where the money would be applied, but instead, it explained a procedure I do not understand. I'm not sure how and why my contract terms with the bank were changed after signing my closing contract. The following is the contact information for my assigned loan processor : XXXX XXXX XXXX XXXX  XXXX | NMLS # XXXX Phone : XXXX x XXXX Fax : XXXX Email : XXXX I have also attached my closing disclosure and email from the loan processor for your review.
Consumer complaint received 2018-04-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My client is trying to get a lower payment for her HELOC with Bank of America. The payment has jumped from {$360.00} to over {$1000.00} per month as its in repayment. Since she is a senior citizen she asked me to help. Bank of America asked for an authorization to allow me to speak for her. She walked into a Bank America branch and had a personal banker send in. When I called on Tuesday ( XX/XX/XXXX ) I was told that the authorization needed to have an expiration date. We amended the authorization and my client went back to the branch to submit on XX/XX/XXXX. I called this morning ( XX/XX/XXXX) and the first person I spoke to said they don't have an authorization ( which is nonsense ) so I asked to be transferred to someone else. XXXX in Texas was his name and he said they needed a legal POA to continue and I told him no I didn't as I had already spoke to Bank of America earlier this week and all I was asked for was an expiration date to be added to original authorization, He transferred and after waiting on hold was disconnected.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Equifax Will Not Let Me File A Dispute. XXXX : After receiving 5 emails from XXXX that there was derogatory info posted on my Equifax report, I tried to view my Equifax report and file an online dispute with Equifax. I entered all requested info on the Equifax form multiple times [ name, SSN, address ]. Each time I was given a page of 4 multiple choice questions to verify my ID. Each question asked about credit cards I 've never had, banks I 've never heard of or dealt with. I 've never had an auto loan in my life!. I completed my last XXXX in XXXX and have no outstanding student loans. So the correct answer to each question was " none of the above ''. That generated a page saying " Unable to Confirm Identity ''. Tried spelling my name exactly as it is on my SSN card [ slightly longer ]. Now Equifax could n't find my file & did n't even offer security questions. Friday XXXX, I phoned Equifax with these problems. Spent an hour talking to 3 ladies in the XXXX, including the supervisor. She said she filed the complaint for me and gave me a 10-digit confirmation number. She could not mail me a copy of what she wrote down as my complaint, so I could be sure she got it right. Tried entering the XXXX digit confirmation number today at Equifax site. Got " Unable to process your request '' .Help!
Consumer complaint received 2018-04-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

The original VA home mortgage was through XXXX XXXX XXXX and sold to Carrington Mortgage Services , LLC . Original mortgage was 6 years old, and I have never been late on a payment. 

Carrington raised my payments {$140.00} a month without an explanation and on XX/XX/2018 when I called I was advised that they had added a 1/6 percent " cushion '' to cover any shortages in escrow that might happen in the future. I had the exact amounts that cover the tax for XX/XX/2018 and also the insurance, so there isn't a guessing game on what is or will be owed. 

This is wrong! If I come up short, I should be given the option at that time of paying the difference immediately or having the additional amount added to my monthly mortgage payment. This is no different that having to pay PMI.
Consumer complaint received 2018-04-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. I plan to take legal action but I want to create a paper trail. 

The items are as follows : ACCOUNTS XXXX/XXXX XXXX not mine COLLECTIONS XXXX {$920.00} not mine XXXX XXXX XXXX {$1800.00} not mine
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: STERLING JEWELERS, INC. (CT)

My XXXX credit card I have with Kay Jewelers was closed in XX/XX/2020. I was not notified until I tried to make a purchase with the card in XX/XX/2020. I was hit with hard times because of COVID very badly. I did not receive a bill from XXXX  from XXXX-XX/XX/2020. I tried to make purchase in XXXX and was in the store and they notified me that the account was closed as I went to pay. My credit score was impacted badly by this account being closed and dropped a severe amount. I am now trying to start the process to purchase a house and being told my credit score is too low. With out the closing of this account on my credit report, I am confident that my credit score would be in much better standing. Thank you.
Consumer complaint received 2018-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AR)

I have worked in public service starting in XXXX. My employer and my employment was certified by XXXX and my public service loan forgiveness was over XX/XX/XXXX. I am still making payments and I can not get anywhere with these people. I should have been one of the first. They have no reason to keep billing me. I asked one agent if anyone has been forgiven on this program and she said one person. I am a XXXX XXXX XXXX and I have saved XXXX life and millions of dollars of of property in my public service job. I have more than what is required by the PSLF. If this is a scam it needs to be stopped
Consumer complaint received 2018-04-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Worldwide Processing Group, LLC (TX)

About a year ago I had received a phone call from a company called FMR ( Forward Movement Recovery ) saying that I owed on a payday loan. When they had first contacted me they had said that they needed to know my location and whereabouts. When I contacted them they had said there had been a claim filed against me. I asked who was this so called payday loan company and their response was oh probably like a XXXX XXXX XXXX. I had panicked and started to pay them so I would get sued. I ran my credit report to see what things I had in collections and when it came back I had nothing that was in collections from a payday loan company. I called my bank and had them cease any future transactions that were scheduled to run from FMR. Since that point on, I had not heard anything from FMR. Fast forward now to XX/XX/2018 and they are calling my phone again saying I owe them for a payday loan. I ran my credit report again and dont have anything in collections for a payday loan. This needs to stop ASAP before I file a lawsuit for harassment and extortion and I will take it to my state attorney general and the FBI.
Consumer complaint received 2018-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services (WA)

My loan was transfer to XXXX at the end ofXX/XX/XXXX. XXXX has provided me with the interest paid to them in XXXX & XX/XX/XXXX. But ACS, now apparently this new company, XXXX, says there is no interest information available for XX/XX/XXXX.
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I hate the fact that I have to file complains on this one credit bureau that is always causing problems failing to comply and the representatives I get on the phone are rude dont listen have attitudes misrepresent the company, give false information and not realizing im documenting everything. THE REPRESENTATIVES ARE RUDE WHEN ASKED TO LOOK OVER A LEGITIMATE MATTER WITH LIGITIMATE FACTS ... 

I disputed a account with Experian recently a account called XXXX XXXX  XXXX THAT THE HAD A IMPROPER NOTATION LISTED FOR YEARS, INCLUDED IN BANKRUPTCY BUT AS WE ESTABLISHED THE BANKRUPTCY WAS NOT MINES THEY DELETED THEREFORE WAS SUPPOSED TO DELETE THAT INCLUDED IN BK ACCOUNT ... .instead what they did was they went in and deleted the notation and leave the account reporting all kinds of false information, to make matters worst they deleted a XXXX XXXX XXXXXXXX account but not the right account, the one that was supposed to be deleted is the one with a balance of {$810.00} the one they deleted was a positive account, this is the second time this month they have deleted a account but not the account that I actually disputed, they deleted the wrong account ... then the rep told me that the data furnisher made the decision to delete the positive account, which they sent me a letter saying they never made that request along with the lettter stating that they never list any account with them with a bankruptcy notation, so experian did that all by themselves, I have full paper trail ... the agent twisted her words on a phone call made today at XXXX eastern standard time, when she first claimed I disputed the account that was deleted, then when I challenged it she said the furnisher did it, which I know is incorrect ... they made me lose 30points on my credit they want to keep bad information thats not supposed to be reported and delete my good information and then be rude and not listen to me and not try to correct the error.. ACCOUNT TO BE REMOVED : XXXX XXXX XXXX ACCT # XXXX XXXX BAL : XXXX
Consumer complaint received 2018-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (LA)

Request card closed on XX/XX/XXXX and  as of XX/XX/XXXX card has not been closed. Card is still accruing {$34.00} a month payment. Card was not used since XX/XX/XXXX. Card was dormant in use for XX/XX/XXXX, XX/XX/XXXX and then in XX/XX/XXXX card still was not closed and billings still arrived, first asking for {$56.00}, and now {$95.00} in collections which is black mark on my credit report. 

Why would it take that long to get a deposit from a secured credit card, more than 6 months has passed since my written request. Representative advised that I pay off th {$95.00} and then I will be able to get the entire {$300.00} which is the amount I originally secured this card with. 

Please advise a resoluaiton to this problem.
Consumer complaint received 2018-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AL)

I disputed a collection that stated i owe {$490.00} which is with XXXX XXXX. Account number being XXXX. The creditor responded back in a timely manner with a statement saying they verified the debt and its 's mines. Defiently not true. I then wrote back and ask them how did they verify this debt and please provide me with an original contract of some sort with my signature on it which should have my correct spelling of my name. All paperwork that has been forwarded to me also the credit bureaus has misspelling of my name also.
Consumer complaint received 2018-04-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MS)

My name is XXXX XXXX. the last four of my synchrony acct was XXXX my address is XXXX XXXX XXXX. XXXX , Ms. last four of my social is XXXX. I received a phone call regarding my debt with synchrony bank for {$690.00} between XXXX and XX/XX/XXXX regarding full payment on my account that was closed on XX/XX/XXXXXXXX i informed them then that i could not pay the account in full. even tho they said i had to make the full payment instead of paying on the account i still sent a payment during XX/XX/XXXX.. I heard nothing else from the collector at that time even after i sent payment on account. XX/XX/XXXX i received another call from debt collector regarding amount for XXXX.. i was informed that they could not take partial payments and needed account paid in full. Amount has already been put on my credit report after debt was sold, meaning the debt was wrote off on taxes of original creditor. Company that purchased debt wants to sue me for amount after they rejected my offer to make payments.. since debt was wrote off i assumed contract was cancelled in XX/XX/XXXX. I'm willing to pay on account. i also feel that they should accept payments instead of requiring full payments. if they review my credit report they wld see that majority of my payments on accts are made.. i got behind with original acct due to losing a job. the company name is XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ms XXXX.
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Stearns Ventures, LLC (CA)

I am currently in a real estate transaction for which my lender is required to verify my past two years of employment which included Stearns Lending. This request was initially submitted to Stearns Lending on X/X/18 by my current lender. Their request has been ignored and I personally have attempted to contact via telephone and email the company, however ; my calls have not been returned nor have I received an email response. 
The lack of receiving the Verification of Employment is holding up the close of escrow, and thereby costing me money.
Consumer complaint received 2018-01-23
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. (MN)

Hello, My name is XXXX XXXX. I am so frustrated about XXXX company and how it works their system. honestly, I tried everything that I can and even sent them the statements. 

XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CO XXXX Phone : ( XXXX ) XXXX My account number is XXXX opened the account XXXX 2017 This is what they are sending me the last two months. XXXX has completed your dispute for Confirmation Number XXXX and nothing changed Please fix this issue. 
Thank you.
Consumer complaint received 2018-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on my credit report there appears a claim by XXXX XXXX. 

for YEARS i have been sending the information to XXXX XXXX and to TransUnion that the claim by XXXX is a FRAUD. 

the credit card was obtained by the ex-spouse a XXXX XXXX XXXX by forging my information and signature on the application. 

again the proofv of the fraud/forgery was sent to not only XXXX  and TransUnion BUT ALSO TO THE CFPB. 

in fact the CFPB opened a case against XXXX Card 's debt collector for continuing to harass me to collect a debt based on a forgery done by someone else when they had the hard evidence of the forgery. See CFPB case CONSUMER FINANCIAL PROTECTION BUREAU, Plaintiff v. 
XXXX, XXXX XXXX XXXX XXXX, XXXX, to date XXXX XXXX and TransUnion have REFUSED to remove the negative reporting that belongs to someone else - the one who committed the fraud by forging the credit application.
Consumer complaint received 2022-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MI)

Between XXXX and XXXX someone open a credit cart account in the name of XXXX XXXX NOT my legal name. For the second time in less then two years XXXX XXXX is using XXXX XXXX XXXX t to take my Social Security or VA benefits for a depth that is not in my name through the XXXX in XXXX XXXX, MI! First time was through the XXXX MI court! Judge shopping? 

According to what XXXX told the XXXX of XXXX attached they have no account in my legal name. They seem to be running a scam on an elder person I am XXXX and I am a XXXX XXXX 

This depth is wall over XXXX old!
Consumer complaint received 2018-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

Last XX/XX/XXXX Walmart XXXX closed my account based on a payment taken from an account that was closed! I have never made a missed or late payment! There was a glitch in the system when I made a payment and it was sent back! Walmart has not as of yet assisted me in deleting this closed account from their system! In fact, this has impacted and negatively affected my credit report! Other lenders are viewing this report and are decreasing my credit because of this report! This is against the fair credit act! Please help!!!
Consumer complaint received 2021-01-20
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)

Items were illegally ran on my credit. Not giving consent to do so by me.! XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I've sent disputes last XXXX2020 regarding to those inaccurate and unknow accounts on my credit report. but until today I haven't received any response. I'm a victim of XXXX  Data breach. I want all those account will REMOVE on my credit report ASAP or I will file a litigation.
Consumer complaint received 2017-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC (GA)

Violations of public policy have occurred in operation of this account. Information involving debt ( {$830.00} ) is being reported negatively and fradulently to three credit bureaus. There is no valid contract regarding account. Resolution of collections status reported to three credit bureaus is the only lawful resolve.
Consumer complaint received 2018-01-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

XXXX XXXX / Navient never calls to notify primary account holder of past due or issues with payments and calls my parents 10-20 times a day to get them to pay. I have deferment ongoing and if it falls off or renewal forms are lost/not received they will aggressively attempt to get payments from parents and I never know there is an issue with my deferment or forbearance until I hear that my parents have exhausted their bank accounts to get them to stop harassing them. 

I have attempted to resolve this with the BBB and they continued their practice.