davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-26
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (HI)

We received a 100 % property tax exemption in XX/XX/XXXX due to a 100 % XXXX. Our state sent a copy of the XXXX balance/exemption to our mortgage lender. We sent a copy to our mortgage lender beginning XX/XX/XXXX as they still showed an upcoming disbursement for taxes. The normal distribution schedule is in XXXX and XX/XX/XXXX. We received no feedback. We called on XX/XX/XXXX and were told to send the documents again. We sent them and were advised that the company would verify with the state and call us back on the XX/XX/XXXX. We received no call by XXXX so we called. We were advised that our request would be completed by the XX/XX/XXXX. We asked to speak with the tax department and were advised they do n't interact with customers. We asked to speak with a supervisor and was informed one would call within 24 hours ( I am still waiting ). We called back on the XX/XX/XXXX and were told no changes and to call again the next day. We called on the XX/XX/XXXX, no changes but were told again they need to contact the state. I again requested a supervisor and was told one would call back in 24 hours ( although you could hear the supervisor coaching the representative response ). This is a common mismanaging of our escrow funds as we are always in arrears because they did not accurately record tax and insurance bills. We have 5 days until this company is scheduled to disburse money we do not owe and that the state will not refund.
Consumer complaint received 2015-09-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (TN)

I am working receiving limited invome a month and paying my monthly health and medical insurance. Loan Servicing and Freedom Mortgage gas increased my mortgage for the past year. I have no other income and my mortgage is taking my whole check leaving me very little to pay my other utilities. I went back to school trying to get a better job but that has n't happened yet. I have to have a car because i have no other means of transportation. I am very depressed. This is a home me and my husband purchased when he wss living. I just feel that the mortgage compsny is not looking out for my best intrrest. I have nobody to turn to. Please help and tell me what i can do. At the end of my rope.
Consumer complaint received 2016-02-19
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Freedom Mortgage Company (NV)

I am in the process of closing escrow on a new home, escrow is supposed to close XX/XX/XXXX. 
I have sold my current home, and both my home now and my new home should close escrow on the XXXX. XXXX title has requested a payoff on my current loan from freedom mortgage about 2 days ago, should only take 24 hours to respond. Freedom mortgage still has not responded. I called freedom mortgage today which is XX/XX/XXXX, talked to a woman who said she would fax ticor title right away. She also said it would take ten minutes. She also offered to e mail me a copy of the payoff and I agreed. It 's been 3 hours and still no response. I reminded freedom as to how important it is for them to respond to XXXX XXXX as I have 2 weeks until I 've got ta move and it just seems as if they do n't care.
Consumer complaint received 2017-01-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC (FL)

Submitted a short sale package to Loan Care via Fax XXXX & email at XXXX on 3 occasion since XX/XX/2016 with confirmation transmittal received. I have follow up on several occasions only to be told that they did not received it and asked that I send again. When I call to follow up and I give the confirmation number, they hung up and not the system. Its been over a month trying to get the right caring person on the phone. Final after an hour of hang ups, I was able to reach XXXX, Agent ID XXXX, and he was able to verify that I had called and also requested an expedite on this HAFA short sale, and that XXXX did received my " FULL '' short sale package and he was not sure why no one entered it into the system to be assigned. XXXX not a good company and should not be servicing loans ... and they needs to be accountable just as the likes of XXXX, XXXX and others. I need you help in getting the lender to do its job and would like them to expedite this short sale since they dropped the ball. Customer Service in Loss Mitigation is no-existent. Please help ...
Consumer complaint received 2015-04-20
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: BARCLAYS BANK DELAWARE (OH)

I am submitting this complaint on behalf of my son ... my son is in XXXX several months ago ... my son received a letter dated XXXX XXXX. 2015 from Levy and Associates..they were attempting to collect a debt for a total of XXXX ... I immediately sent them a cease and desist letter dated XXXX XX/XX/2015 ... 
I stated in this letter that my son in no way shape or form has XXXX and has a surmounting pile of medical bills due to his XXXX at the moment..he has no income coming in at the moment and literally has no money..and does not need this stress of a debt collector hounding him..the letter was signed by myself and.my son as well with some assistance..today..XX/XX/XXXX I received another letter from the same business..Levy and Associates dated XXXX XXXX still attempting to collect from my son who is still in rehabilitation for a tottal of XXXX ... so instead of sending them another cease and desist letter I am filing a complaint with you in hopes of getting this issue solved..
Consumer complaint received 2023-07-27
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: Westlake Services, LLC (DE)

I have had a loan with Westlake finance since XXXX. I have made my car payment every month. Within this time there has been a handful of times that I have had to arrange a deferred payment agreement in which was successful. 
This morning I woke up to my car repossessed. 
Since I pay my car payment every month, I was in complete shock. 
I called Westlake Financial and they proceeded to say that my payment was XXXX days late. 
This is simply not true. There is not XXXX - XXXX, or XXXX  day late on my credit report therefore where did this come from? 
How is my payment XXXX days late when my payment history shows every month since XXXX my payments have been made? 
This is not accurate information and they have illegal repossessed my car. I can send over my payment history that Westlake has also emailed me, showing that I have made a payment every month. 
They threatened they are putting this on my credit report when this shouldn't even of happened. They are absolutely no help as I spoke to a supervisor. 
This is against fair debt reporting.
Consumer complaint received 2015-10-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (WA)

I began receiving daily phone calls from XXXX ( a New Jersey number ) on XXXX. This is a number I do not recognize, and when I pick up the phone the response is silence even after waiting a few moments. I looked up the phone number online and apparently the phone number is coming from a company called Southwest Credit Systems but I have no confirmation of this directly as no one speaks on the phone when I answer the call. So far the phone calls have occurred on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

It appears this company is a collections agency. I checked all XXXX credit bureaus and all of my bills are paid in full with no issues.
Consumer complaint received 2015-08-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Business and Consumer Solutions. (NV)

XXXX XXXX XXXX seeks to collect on a debt that is barred by the California Statute of Limitations. The debt is not mine and is unenforceable against me.
Consumer complaint received 2015-08-21
Product: Credit card — 
Issue: Billing disputes — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

I canceled my credit card with Fifth Third Bank. Then due to a scandal with XXXX they re-issued a card to me without my knowledge and started charging me late fees, over the limit fees and other fees. Now they are threatening to send me to collections and repossess my car until I pay the fees. There is no record of this card and the credit card number does not match my cancelled card. I think it 's a scam, when I have paid the minimum fees there 's no record of the payment, I do n't understand where my money is going? This company is a fraud and I 'm tempted to sue them for the inconvenience and troubles it 's caused me.
Consumer complaint received 2016-04-20
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

My husband and I issued the attached complaint letter to Fifth Third Bank attention Office of the President. We received an apology letter as a response. I do not feel that this is sufficient based on the banks shortcomings in their communication, lack of preparation for the new mortgage guidelines and delays in the closing process. Our closing process was the most stressful situation we have ever experienced and this is admittedly Fifth Thirds fault.
Consumer complaint received 2017-03-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I have been a victim of False Impersonation. I have a copy of my police report on file with the XXXX Police Department and I have a case number that I received from the FTC when i registered a claim with as it relates to the fraudulent activity. In addition all 3 major credit bureaus have a certified copy of my police and a fraud affidavit. With that being said, i was advised to request a Freeze from the credit bureaus to prevent further fraudulent activity. I did for about two years. It was my understanding that no one would be able to access my credit unless i provided them with my access code. I received written confirmation in the mail that my credit file was BLOCKED from all 3 bureaus. 

However, my complaint is that TransUnion said they blocked my file but they still allowed unknown/authorized creditors have access to my credit file and add inquiries to my credit history. I have requested the UNAUTHORIZED inquiries be removed and instead of Transunion investigating and ascertaining the matter they said my investigation was complete ... ... they said Inquiries are a factual record of file access??? 
My point is what was the reason of my file being blocked if UNAUTHORIZED person/persons still had access to it? 

I am requesting the FRAUDULENT inquires and FRAUDULENT DATA be removed from my credit report and history Inquires XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Inquires XXXX XX/XX/XXXX XX/XX/XXXX Inquire XXXX XX/XX/XXXX Inquires Fair XXXX via my Fico XX/XX/XXXX XXXX XX/XX/XXXX Requested fraudulent inquiry be removed already on XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX Requested fraudulent inquiry be removed already on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX Requested fraudulent inquiry be removed already on XX/XX/XXXX XX/XX/XXXX Remove Address XXXX, XXXX, CA XXXX Requested fraudulent residence be removed already on XX/XX/XXXX and XX/XX/XXXX Remove Employment XXXX Requested fraudulent employment be removed already on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-10-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was married to a man that got married with me based on fraud to gain citizenship without my knowledge, it appears that he also opened a few credit cards while we were together and used without my knowledge dating back to XXXX to create a business " fancy juice '', when I learnt about the marriage being a fraud I informed my lawyer, contacted the immigration, filed restraining order. I don't know what happened to him an dif he is still here or not but what I know is looking at these cards and amounts I have absolutely no idea of that he was the one opening them. he told me that he will destroy my life but I didn't think that he could financially this way fraudulently opening accounts under my name and using cards. CAPITAL ONE CHECKING ACCOUNT WAS NOT OPENED BY ME NEITHER ITS TRANSACTIONS, CREDIT CARDS WERE NOT OPENED BY ME. O I ONLY TRIED TO OPEN A CD BUT COULD NOT CONNECT AS I WANTED SO JUST LEFT THE {$100.00} DEPOSIT IN THE CD AND LAST THING I KNOW CAPITAL ONE SEND ME A CHECK WITH THAT AMOUNT, CLOSES ALL ACCOUNTS I WASN'T AWARE OF, RUIN MY CREDIT I DO NOT KNOW WHICH EMAIL HE IS USING OR USED. I AM SO FRUSTRATED AND NEED HELP WITH THIS
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with ( DEPTEDXXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( DEPTEDXXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2016-07-25
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (TX)

I took out an instalment loan in the amount XXXX every month i made a payment of {$110.00} without failed. last month i a payment of {$830.00}, while in the web site they said my balance is {$1900.00} however they made an inacurate report to the credit reporting burea, to XXXX {$2600.00} to XXXX {$2500.00} this is innacurate and they refused to correct the balance due unfair reporting that unnecessary increase my debt to income ratio.
Consumer complaint received 2015-09-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (IL)

On a daily basis we continue to receive calls from a company named Focus Receivables at XXXX. When we answer, they either hang up or we have to wait until were transferred and request we 're taken off the list, which they say they will do but do n't. When we do n't answer, a recording goes on that says someone else 's name - it 's mushed and says something like XXXX XXXX or XXXX something, and says a case has been filed against this person for dept.
Consumer complaint received 2016-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

There is an inaccurate late charge being reported on my equifax file that I have disputed with both creditor and equifax a total of 9 times. The creditor continues to tell me that they have notified equifax to update their files however that has not happened. Equifax continues to tell me they investigated the information and the credit XXXX confirms it as accurate. XXXX has sent me a copy of the letter 3 times that they say they have sent to equifax ( i too have forwarded it to equifax ) however I just get the run around that they can not take the letter form me and never received it from equifax. This process began in XXXX prior to me going into the home buying process. I have not located a home and in contract and am being penalized for this inaccurate information. It is effecting my credit score which determines the rate and options I have. This has been a dauting process and I am completely drained and have not choice but to move forward with the mortgage and penalty for inaccurate information or I will lose the house. Equifax should be responsible for every dime I have to pay above what I should because they will not update this inaccurate information.
Consumer complaint received 2016-01-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (NY)

I recently purchased my first house ( late XXXX XXXX ), and within the first 2 weeks my mortgage was transferred from Freedom Mortgage to XXXX and I received a welcome letter from XXXX. Then within the next week or so I received a bill from Freedom Mortgage and did not receive anything from XXXX. 

So I paid Freedom Mortgage on XXXX XXXX, with the understanding that they would transfer the money to XXXX accordingly. 

Around XXXX XXXX I receive a call from XXXX XXXX XXXX saying that I have not paid my mortgage. This has led to numerous calls to both banks ( at times XXXX way calls between myself Freedom Mortgage and XXXX XXXX XXXX ). 

As of today XXXX claims they took over my mortgage and I have not paid them for the XXXX bill and owe them the money for XXXX and will have to pay them XXXX XXXX and Freedom Mortgage is claiming that XXXX XXXX XXXX did not take over my mortgage and will not release my payment for XXXX and I have to pay them on XXXX XXXX. 

I originally got a date of XXXX XXXX from Freedom Mortgage saying this would be resolved, and when I did n't receive a phone call from them on that date I called them to find out that they have moved the completion date of my request to XXXX XXXX. Which I explained would force the situation that, come XXXX XXXX I will have XXXX banks telling me that they own my loan and I owe each of them the payment.
Consumer complaint received 2016-04-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

Hello. 
I 'm currently trying to apply for mortgage loan, during the process my credit report is showing that one of my installment loans with Fifth XXXX Bank is reporting a late payment. I been paying them and never missed a payment with them. Also if you notice In my credit report I have never been late on any of my loans and credit cards. Also I contacted Fifth Third Bank regarding this issue and they have advice me to contact FTC to get it resolved. This is very important that I get this late payment removed, it 's report in all XXXX bareu and affecting my mortgage loan.
Consumer complaint received 2015-07-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I opened an account with 53rd bank and I made a {$100.00} deposit into that account,2 days later they closed the account, they never sent me my money back and they reported my name XXXX saying I still owed them money.But I did not make one single transaction in this account!!!
Consumer complaint received 2016-11-24
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Armed Forces Loans of Nevada Inc. (TX)

Armed forces loans continues to report the loan as late even though the under the terms of the loan the final payment due date was in XXXX. Instead they are reporting a missed payment for XXXX XXXX, XXXX XXXX, etc including all month untill now it currently states that I recently missed XXXX and XXXX XXXX payments. I 'm an attempt to resolve the issue they refused to put offers in writing so they could attemp to collect more.
Consumer complaint received 2016-12-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have made a qualified written request recently to my bank and they failed to audit my loan. In response to my written request they stopped taking the mortgage payment via their " bill payer '' automatic payment system then wrote and told me the payment is due XX/XX/XXXX. It was paid today but I have no idea why they stopped taking the payment on their autopay system. I have asked Fifth Third Bank to audit my first mortgage and other old accounts but, they wo n't. My current mortgage account is still being over charged by at least XXXX per month and they admit they overcharged my account XXXX but they wo n't explain why they took XXXX from my bank without my consent in XXXX or why they overcharged me XXXX. The problem is they wo n't refund anything nor will they explain why I am paying to much each month. I know this will l happen again and I ca n't tolerate this equity skimming any longer. I have never missed my XXXX monthly mortgage payment yet, when I try to resolve it on my own, I get treated with disrespect. Please help, I am a senior citizen and I need my mortgage corrected at once.