davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (UT)

I am writing to request immediate correction of the error described below to the mortgage on my property at XXXX  XXXX. I have spoken with the Utah State Financial Division and they are willing to get involved. 

My Mortgage was transferred from XXXX XXXX  on XX/XX/XXXX. I have had that mortgage for nearly 5 years and never missed a payment once. The payment was scheduled to come out on the XXXX of every month for those 5 years. LoanCare attempted to take my payment out on the XXXX. I never received a single phone call, which according to the state of Utah is out of line with the law. 

Subsequently my auto-withdrawal was canceled without me knowing. I then got an EMAIL from XXXX  to let me know that I was two months late on my mortgage. I never heard a single word from your company that this error had occurred. 

Not only was the payment attempted to be taken out on the wrong date but the 60 day grace period was never applied which is law as well. Multiple errors have been made. 

I am in the middle of purchasing a business and need this rectified immediately. I was told this would reflect corrected on my credit but it still has not done so. This was your error, not mine. I need a letter sent to all 3 credit bureaus to have this reporting reversed. Please make this right. I have called weekly for months now.
Consumer complaint received 2019-04-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I received several back-to-back phone calls from +1 ( XXXX ) XXXX on XX/XX/2019 beginning at XXXX XXXX. Every call would ring my phone once or twice, but before I could answer, they had ended the call. This was highly inappropriate as I was at work and with customers. After work, I XXXX the number, and discovered it was Portfolio Recovery Associates. A debt collector. I do not owe any debt nor do I have any dealings with this company at all. I guess they think its amusing to repeatedly prank call my phone at least five times within a ten minute period.
Consumer complaint received 2019-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Bureau, Inc. (GA)

I mailed several Debt Validation/Verification letters on XXXX and XXXX to american credit bureau inc for a debt in the amount of {$650.00}. I sent these letters with proof from the post office to verify receipt and still have not received a response and/or the documents requested. I have complied with all credit reporting laws and have given them the appropriate time by law for them to respond.They have failed to comply with the laws of the FCRA for not sending me Validation/verification of the debt. I would like for them to delete from all credit bureaus.
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was offered to upgrade to a Capital One Venture account. With this upgrade, I should have received XXXX points. I contacted customer service last week regarding my issues and was informed the offer would not be honored.
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

THIS CREDIT REPORTING AGENCY ( XXXX ) IS ( ARE ) BIAS AGAINST CONSUMERS AND ONLY ACCEPT AS EVIDENCE WHAT THE CREDIT CARD OR REPORTING COMPANY ( XXXX  ) REPORT TO THEM. I WAS ISSUED A CREDIT CARD BY XXXX XXXX XXXX   WITH A CREDIT LINE OF {$1000.00}. I USED THE CARD AND MADE REGULAR PAYMENT, AND KEEP A RELATIVELY LOW BALANCE.

IN THE FALL OF XX/XX/XXXX I NOTICED FRAUDULENT ACTIVITIES, I REPORTED TO XXXX XXXX XXXX AND THEY CANCELLED THE CARD, SENT ME A NEW CARD AND ELIMINATED THE BALANCE. THEY ISSUED A NEW CREDIT ACCOUNT AND A NEW CARD WITH XXXX  ( XXXX ) BALANCE, IT WAS A FRESH START. THE NEW CARD ARRIVED MID XX/XX/XXXX. ON XX/XX/XXXX I ACTIVATED THE CARD AND USED AROUND CHRISTMAS AND MADE 3 PURCHASES TOTALING {$430.00}, THERE AFTER NEVER USED THE CARD AGAIN. IN XX/XX/XXXX, I RECEIVED THE FIRST BILL WITH A BALANCE OVER {$3000.00}. I WAS SURPRISE, HOW IF I ONLY HAVE {$1000.00} CREDIT LIMIT THE BALANCE CAN REACH SO HIGHT. MANY TRANSACTIONS AND CASH ADVANCES FROM FLORIDA, NEVADA, NY AND OTHERS PLACES WERE MADE. PAYMENTS AND PURCHASES FROM MANY PLACES. AS SOON AS I REPORTED, CREDIT ONE SENT ME A NEW CARD, I DID NOT ACTIVATED, HOWEVER THEY STARTED TO REQUEST PAYMENT AT THE SAME TIME. I KEPT TELLING THEM THAT IS NOT MY BALANCE, I DID NOT CHARGE ANYTHING AFTER XX/XX/XXXX. THEY CONTINUE TO THIS DAY HOLDING ME RESPONSIBLE AND REPORTING LATE AND NEGATIVE INFORMATION ABOUT ME.

I HAVE CONTACTED THE THREE MAJOR CREDIT BUREAU TO INVESTIGATE, HOWEVER THEY ONLY ACCEPT AND BELIEVE THE CREDIT CARD COMPAY, XXXX XXXX XXXX. THE FRAUD CONTINUE AND CREDIT ONE KEPT PURSUIT ME TO PAY. I KEEP TELLING THEM, I DID NOT MADE ALL THOSE CHARGES.

I AM TIRED OF THIS AND THE DAMAGE THE NEGATIVE WRONG INFORMATION CREDIT ONE CONTINUE TO GIVE THE CREDIT BUREAUS. I HAVE CONTACTED THE 3BUREAUS AND THEY CONTINUE TO REPORT THE BAD INFORMATION.

THIS HAS AFFECT MY CAREER, MY JOB, MY LIFE AND HAVE MADE IT DIFFICULT TO CONDUCT BUSINESS BECAUSE THE THREE MAJOR BUREAUS CONTINUE TO REPORT DEROGATORY. I HAVE ENOGHT EVIDENCE AND WILL PROVIDE IT TO YOU, AND IN COURT. IF YOU AS CONSUMER PROTECTION AGENCY DON'T DO YOUR JOB, AND ASK THE THREE BUREAUS TO STOP ACCEPTING NEGATIVE INFORMATION FROM XXXX XXXX XXXX, I WILL SUE THE BUREAUS. I WILL SUE THIS AGENCY FOR FAILING TO PROTECT MY RIGHT.
Consumer complaint received 2020-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (FL)

Today XX/XX/XXXX, after going back and forth with XXXX XXXX XXXX Hospital and XXXX XXXX, and getting a response from XXXX/Commomwelath, I have gotten many different answer to my issue. I spoke to the finance director of XXXX XXXX XXXX Hospital, he states that my insurance was provided to all providers at the time of service and I should of been taken care of just with a copay, XXXX XXXX states that if the claim was processed on time, my copay for Doctor XXXX XXXX XXXX office ( now in collections by XXXX XXXX/Commonwealth ) and other expenses would of been taken care of by my FSA account from XXXX, instead XXXX XXXX XXXX  office filed the claim on XXXX, 2 years later. I shouldn't be held accountable because and office forgot to do a claim, I don't mind paying my part or my copay. XXXX XXXX states that it is not patients responsibility and states that they can be contacted by collection office at XXXX, member number XXXX, and also provided me their XXXX XXXX XXXX, XXXX, FL XXXX. 

Complaint filed on XX/XX/XXXX : On XX/XX/XXXX, I had an emergency and ended up in the hospital for a very short period of time. Insurance information was provided at the time of service, health insurance at the time was XXXX XXXX, policy number XXXX. Insurance was billed and multiple times for the services provided, I will list them below- Claim ID number XXXX {$1200.00} paid to XXXX XXXX XXXX XXXX XXXX ID number XXXX {$4800.00} paid to XXXX XXXX XXXX Hospital Claim ID number XXXX {$4800.00} paid to XXXX XXXX XXXX Hospital Claim ID number XXXX {$820.00} paid to XXXX XXXX XXXX Hospital In XX/XX/XXXX, I get a letter from Commonwealth Financial Systems , INC collecting on behalf of XXXX XXXX XXXX stating that they are owed {$1200.00}. This was already paid and settled with my insurance as I listed above. I been receiving calls non stop from them demanding payment. It is also been added to my credit report and my score has already dropped significantly. This is illegal, this debt has already been paid.
Consumer complaint received 2023-02-10
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP (MN)

I am requesting assistance on a reverse mortgage issue for my brother, XXXX XXXX XXXX. He is a XXXX veteran that has had a XXXX and struggles daily with memory issues. He has been able to live in his home until a recent bout with co-vid 19 at which time he was hospitalized and is currently in a skilled facility for rehab. XXXX did a reverse mortgage with AAG in XXXX. 
XXXX XXXX has been his power of attorney since XX/XX/XXXX so he is handling paying XXXX monthly bills during his nursing home stay. In going through his paperwork we discovered a notice from AAG stating that XXXX XXXX has been sold at auction and he will need to exit the home by XXXX of XXXX. We made sure he was paying the taxes and home insurance. We are unable to get much information regarding this but we were told by the XXXX XXXX XXXX that it was because he did not complete the paperwork to state he was still living in the house. We have been unable to find any paperwork requesting this information. We do not know which way to go with this and don't want him homeless. Any assistance would be appreciated. POW is XXXX XXXX XXXX. XXXX. or ( XXXX ) Thank you
Consumer complaint received 2019-04-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

An inquiry was made to address the unauthorized creation and migration of accounts by bank staff. When it was asked about how this happened it snow balled from there. When inquiry was made of a CD opened XX/XX/XXXX no record could be found as stated by Wells Fargo 's staff whether opened or closed? This follow up was in accordance to a claim for faulty opening and creation of alternate accounts. This included a bank checking & savings account and a credit card both bareing the names of each of us. We had been customers for over 40 yrs as my wife was once the XXXX XXXX to the banks V.P. a position she left in XXXX. In XX/XX/XXXX my wife passed away, I then closed the checking & savings accounts along with submitting a claim to collect the last of cash deposits followed by paying off the credit card we held together. I soon received a letter from the bank informing me that that had closed my credit card after the last payment and where discontinuing my access, thanking me for their business. They clearly sought to divorce themselves of any involvement with me and my wife. I still retain proof of all accounts with Wells Fargo and am also a claimant in the lawsuit. I have yet to receive any answer to the savings CD we established. The document is signed by the bank representative with instructions noted that at maturity it is to be reinvested. To access the funds, both parties are required to sign for the money to be cashed out. This never happened!
Consumer complaint received 2019-02-05
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: VANDERBILT MORTGAGE & FINANCE, INC (KY)

In 2015 me and my ex wife bought a home with Vanderbilt mortgage finance company and we divorced and she got the home and judge awarded her it and left me legally not responsible for it at all. Since then it has appeared on my credit and has hurt it where I cant get a loan or mortgage cause of it. I have called them and asked them to remove it and they said they wouldnt and I have told them several times that I have legal papers to show that I am not longer responsible for the mortgage loan and they said they dont care, So I went and ask a judge about it and it was told to me I have rights and to file a complaint against them to have it taken care of, so I have filed a complaint with credit bureaus and I have done it again and hopefully it will be taken care of. They have been rude and unwilling to corporate and it is not right for them to do this to someone. Its illegal and Im just trying to get them to do whats right It should be removed from all credit bureaus and no bad comments or anything negative on there from them cause this is horrible
Consumer complaint received 2019-04-16
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: Experian Information Solutions Inc. (NC)

Been trying to resolve this with experian credit bureau for over 30 days they are not updating my report I have spoken to them 4 times each time Iam told something different that dont amount to anything or results.MY problem is I have 3 open up to date credit cards in my name alone all 3 are being reported accurally to XXXX and XXXX with no problem. These cards are over 2 years old to this date experian is not reporting any of them I have contacted my credit card company directly all 3 told me they are and have been reporting to experian last 2 years and the problem is with experian I have sent them copies of my credit cards that they are not reporting and they still will not add them to my credit report.Every time I apply for credit a hard copy is pulled from experian and I am denied because they are not showing any credit history I told them this they wont do any thing about this They keep saying they will summit the dispute but nothing is happening I summited the first dispute the end of XXXX Today I received a dispute letter saying the dispute was resolved they did not resolve any thing they even got my middle name spelled wrong now. As stated above I have sent copies of these cards along with an explanation to experian XXXX. XXXX XXXX XXXX TX XXXX. Still nothing no response or any thing from them I am asking you to please cont act experian and find out whats there problem because I am not getting any were with these people. They are damaging my credit and they dont care thank you very much
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY (NJ)

My ex-husband sent me a text that he received a call from " XXXX XXXX XXXX trying to contact you in reference to your case. The phone number is XXXX. Reference XXXX. '' I have no idea who this is or what they are talking about, and I have no idea why they contacted my ex-husband. I called the number and spoke with a " XXXX '' who told me I had been approved for an American Express line of credit and could I verify the last XXXX digits of my social security number. I asked her if this was a law firm, and she said yes, that she was calling from XXXX XXXX XXXX, the XXXX XXXX, in XXXX, Georgia. I asked her to send me something in writing. She said my " file '' was locked and had a red flag, and there was a lawsuit against me in process. She said she would open the file and then said that it was going to be processed and a Sheriff come to serve a Complaint because I hadn't paid an American Express bill. I do not have an American Express card and have never applied for one. I advised her that I was filing a Complaint against them for their bogus, harassing and annoying phone calls and hung up.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2022 - {$2000.00} and {$1100.00}, sent certified mail to Transunion, XXXX, and XXXX to dispute wrongful credit reporting and to provide proof or have that deleted off my credit report.
Consumer complaint received 2022-10-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Upgrade, Inc. (FL)

I have a standing debt balance with upgrade credit card company, they charged illegal fees after the account was closed and send the account to collections, the collection company called and illegally went inside my credit report and threatening me used profanity language, harassment and discrimination to let me know that she could see all my expenses and how I was using my cards and asked me for ab explanation of why I used that credit and refused to pay it back I said crying that my dad passed away and lost my job and I had XXXX XXXX she laugh at me They sent this account to another collection agency and they did the same they called me harassing me asking to get money from my mom and family members
Consumer complaint received 2019-04-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (AZ)

Conns has called me a total of 9 times so far today XXXX XXXX XXXX between the hours of XXXX today. I answered the call on my lunch at XXXX XXXX and spoke with a person named XXXX. I let her know that I am at work and their repeated calls are causing a disruption and that the could have left a message and I would have called back when I was free. I let her know that do to the overwhelming about of calls in a short time span that I feel harassed and want my phone number removed. I also have received a text message as well as an email from Conns today.
Consumer complaint received 2019-04-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC (CA)

The Debt they are trying to collect is time barred and I was never given notice as Ive been on Federal XXXX. I do not recognize the dates or amounts I have not ben given information and they will not give me info on the phone. The date reported on the credit reports are not accurate I never received anything from them in 2019 orto my knowledge anytime
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XX/XX/2021 I was charged XXXX on card ending in XXXX ( this did not end up in my XXXX XXXX XXXX accounts ) XX/XX/2021 I was charged XXXX on card ending in XXXX also placed in another account see info below XX/XX/2021 I was charged XXXX XX/XX/2021 I put in a billing dispute thinking the charges were just overcharges and there was a balance adjustment made by BOA for XXXX XX/XX/2021 I realized my error that I was paying full amount for XXXX XXXX XXXX services on another credit card BOA ending XXXX I asked fraud claims to investigate charges. 
I contacted XXXX and Bank of America and although XXXX could see the error they said that I need to go through BOA fraud. 
XX/XX/2021 XXXX denied a billing error for XXXX charge I went to BOA actual branch to fax information to claim services who requested more information ( Bank of America case number XXXX ) 18 pages faxed to Bank of America including unknown XXXX XXXX XXXX account number the charges $ was going into XXXX XXXX XXXX XXXX account XXXX ) XX/XX/2021 I was again charged XXXX miscellaneous account not in my name XX/XX/2021 Bank of America issued another credit card and cancelled card ending in XXXX XX/XX/XXXX my appeal was denied I spoke with a customer service agent more recentlys supervisor and he was able to escalate the claims appeal after it was appealed again. 
Multiple appeals and denials and reopening case appeals through Bank Of America fraud claims XX/XX/2021 I called Bank of America to find out that the case was closed and they were unable to accept the claim and recommended I put out a compliant through credit bureaus
Consumer complaint received 2019-04-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

I did a refinance in XXXX of XXXX, to get a better rate and lower payment of {$970.00}. I got both up until they messed up on the escrow account, and in XXXX of XXXX they went up on the payment by {$92.00} per payment. Now the main complaint. In XXXX of XXXX they disbursed a payment to another customers account for insurance to the amount of {$1200.00}. It again threw my escrow account into a tail spin, so they have now increased my payment again by another {$150.00} per payment. I have called them repeatedly and they say they see the issue and are trying to get it worked out. Just to mention that it takes over an hour on hold each time I try to get an update. I held the line for over two hours on Monday XX/XX/XXXX and finally gave up, which brings me to you. In the mean time, I have a payment due in this larger amount and am waiting to pay until they get this straight. I have never been late and need to get this resolved. HELP.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Respectfully, XXXX XXXX XXXX : XX/XX/1989 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, AR XXXX Resident type Single family XXXX XXXX XXXX XXXX, TN XXXX XXXX type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TN XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TN XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX TN XXXX Resident type Single family