davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IN)

XX/XX/XXXX we were contacted by XXXX XXXX a Carrington mortgage loan officer, with a proposal on refinancing our mortgage loan for a lower rate. During this time we were in need of a break financially due to the fact that my hours were being cut short due to it being the slow season at my job ( XXXX ). So we took XXXX XXXX proposal and completed all required documentation for the refinance process. We received a call from him on XXXX XXXX advising that we did not need to make a mortgage payment XX/XX/XXXX because we would be closing on the refinance by the end of the month. His exact words were " Take your wife out to dinner because you do not have to pay your mortgage for the next two months, ( XX/XX/XXXX and XX/XX/2015 ). We were very surprised at how easy the process had been to be refinanced. We waited about a week and began to receive calls form Carrington Mortgage Customer Servcie stating that we need to make a payment. We then contacted XXXX XXXX and he assured us that we would be closing by the end of the month and that we did not need to make a payment. A week rolled by and we had n't heard anything from XXXX XXXX so my wife along with myself began to call XXXX XXXX to try to get some direction as to the next steps in the process. We did not receive a response from him. We called him over 20 times and called the customer service center for updates on the account and kept being told that they could n't give us any information and that only XXXX XXXX or someone in the refinance department could let us know where our file stood. We were lost and the month was almost over. We then contacted and spoke with several supervisors in that dept that were not any help as well. The first week of XXXX XXXX , XXXX contacted us and apologized regarding him not contacting us regarding the refinance because he was on vacation. He claimed that he submitted our file to the processor to have them schedule someone to come out and do the closing but the processor did not complete it. He claimed that he did not want to place the blame on the processor but he did n't want to take the blame for it either. We were distraught. We worked hard to ensure that all of the information requested was turned in and trusted the information that was provided by XXXX XXXX was accurate, When in turn it has hurt us in the long run. We now have negative marks on our credit and now getting collection calls and activity. On top of the issues that we had with XXXX XXXX we were then advised to request modification of the loan to help us get caught back up instead of the customer service dept offering us an option to make payment arrangements. I have faxed and emailed several copies of a complaint letter for the inconveinice that my family has experienced due to the negligence of their internal process. I have yet to get a respone to the fax or email that was sent. I have records of all forms and letters that have been sent to Carrington Mortgage and can send them at your request.
Consumer complaint received 2015-10-09
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (FL)

Chase upped our interest rate to 27.9 %. Despite calls to several people and despite many years as a customer and despite the current market interest rates, they refuse to lower the rate. We have had several times where we were late but we have always paid the minimum payment and many times more that the minimum balance. This interest rate is predatory for customers.
Consumer complaint received 2017-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NV)

I am 'continually ' being harrassed by the following phone no. :  XXXX   XXXX  , 2017 pho ne no. :  XXXX  time :  XXXX  am  XXXX   XXXX  , 2017 pho ne no. :  XXXX  time :  XXXX    XXXX    XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX  , 2017    phone no. :  XXXX  time :  XXXX    XXXX    XXXX   XXXX ,    2017 pho ne no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,    2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 p hone no. :  XXXX  time :  XXXX    XXXX    XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,    2017 p hone no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX  , 2017    phone no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,     2017 ph  one no. :  XXXX  time :  XXXX    XXXX     XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,   2017 ph  one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,    2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 phon e no :  XXXX  time :  XXXX   XXXX   XXXX   XXXX  , 2017 phon e no :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 pho ne no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX  , 2017    phone no. :  XXXX  time :  XXXX   XXXX  There are more dates & times, but in the begining I just deleted them. Now that they are 'again ' harassing me, I kept the above in my cell phone because that 's where the calls are placed.     I did call back once, and the recording sa id Wells Fargo. Not hing about any collection? I found that odd. Anyway, I pay my mortgage monthly, and my  Home Eq. Cr. Li ne mortgage and the last bill that I received fro m Wells Fargo for the Eq. C r. line for {$600.00} + I paid. So I do n't know why I keep getting these calls, BUT I WANT IT TO STOP! IF THIS IS N'T HARASSMENT, THEN I DO N'T KNOW WHAT IS!
Consumer complaint received 2015-08-25
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

The issue with the Bank of America account is that they charged off the account BUT are still reporting that I owe the full balance. This loan was a XXXX loan for the Foreclosure!! I feel like I 'm getting XXXX because I had the foreclosure and they are also carrying the balance, thus I ca n't rebuild my credit nor can I make any purchases because creditors state I have $ 68,000+ in outstanding debt. 
I was looking through some old email and I actually got charged a XXXX by BOA ( as income to me ) for that debt back in the day too. So I have been charged and this is still not being reporting accurately on my credit report.
Consumer complaint received 2022-02-10
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: EQUIFAX, INC. (GA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Consumer complaint received 2015-03-31
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

In XX/XX/XXXX I made a loan with HFC/Beneficial for the amount of {$13.00}. The rate of repayment was @ {$220.00} per month which latter in the loan around about XX/XX/XXXX the payment were reduced to XXXX per month. My account was sold to another company who has recently adjusted the amount that I owed to them after making a complaint to them that I had been overcharged. Before selling my account, HFC did not notify me nor did they provide me with how much I had already paid to them. I believe that they have also been overpaid.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OLIPHANT FINANCIAL, LLC (PA)

Pursuant Regulation F, 12 CFR 1006, 15 USC 1692 I have exercised my specified remedy and sent you A notice of debt validation on several occasions last on XXXX to which once again this company ignored. This complany has violated my Rights pursuant 12 CFR 1006.34 ( c ).

You Failed to provide all the required Documentation as per my request under the new rule Regulation F and Validation of debt. 
The law is explicitly clear ignorance of the law is no excuse. Your 30 day Debt validation period has ended and you FAILED TO PROVIDE ALL REQIUED validation Information AS PER THE LAW 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. 
All negative credit reporting activities on this Alleged Debt that you failed to provide validation within the 30 day period allowed by Federal law Pursuant 12 CFR 1006.34 ( c ) Must be DELETED Immediately.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo has charged me overdraft fees multiple times ; I have already contacted them to turn off the overdraft protection feature from my account. I was told this was taken off my account, but they were dishonest with their efforts to do so. My account is currently overdrawn due to their negligence.
Consumer complaint received 2022-02-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC (FL)

On XX/XX/XXXX I obtained a title loan through Wilshire Consumer Credit in the amount of {$3600.00}. Unfortunately I fell behind on the payments and on XX/XX/XXXX the vehicle was repossessed. 

However I was informed by the loan company that I had until XX/XX/XXXX to pay off the remaining balance of {$4700.00} and regain possession of the vehicle. On XX/XX/XXXX I made a payment through XXXX for the amount of {$4700.00} and cleared the entire balance owed to Wilshire Consumer Credit. They have acknowledged receipt of the payment and have updated my account with this information which now reflects no balance due. I was provided the information for the auction company which is storing the vehicle and was informed to get in touch with them in order to pick up my vehicle. 

The issue is that I am not able to do so as the tags were removed and destroyed by the tow company. I've contacted my local tax collector 's office/DMV and was informed by them that as of XX/XX/XXXX the vehicles title is no longer under my name but was transferred to Wilshire Consumer Credit by them. As such I am not able to register the vehicle or obtain duplicate tags. 

As stated by Wilshire Consumer Credit I had until XX/XX/XXXX to make a lump sum payment on the loan and obtain my vehicle. Yet eleven days prior to this they canceled the lien on the title and transferred ownership from myself to their company. It is my belief that Wilshire Consumer Credit improperly and perhaps illegally took this action which has now made it impossible for me to regain ownership and possession of my property. Property which they fully acknowledge is rightfully mine.
Consumer complaint received 2019-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (LA)

I have disputed this account ( balance with XXXX XXXX XXXX ) for the past year and 1/2. I explain to them I do not owe the amount listed. I have  requested verifiable proof, and the only thing I receive is " account verified ''. This balance is inaccurate and I do not owe them nor the original company. I was a victim of a natural disaster and during that time I lost my home, car, and job. This effected me and still is because I have been trying to get this matter resolved. The account needs to be removed from my credit report.
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC (TX)

I have a credit card with XXXX ( XXXX XXXX ). I have my payments automatically deducted from my bank account every month on the XXXX. My account was paid in full on XX/XX/2022 for the amount of {$120.00}. On XX/XX/2022 I logged on and it was not showing that the payment had been applied ( even though it was deducted from my bank account on XX/XX/2022 ). I was going to be applying for a mortgage and needed my credit card balances at XXXX so I made another payment for {$120.00} on XX/XX/2022. I assumed the other payment didn't go through and that they would credit me eventually for both payments. Today, XX/XX/2022, I logged into my account and my statement showed that both payments for {$120.00} were on my account but they didn't credit my account for the one made on XX/XX/2022. I called the credit card company, spoke to a csr and he agreed that the payment " was lost in their system ''. I waited an hour to speak to an account specialist who refused to do simple math and see that the second payment wasn't applied to my account. She seemed very confused and kept saying that I had a BALANCE of {$120.00} going into my next billing cycle even though I pay my balance in full every month and it even shows that I don't have a balance, but actually a credit. She refused to help me and I told her I wanted to close my account and I would be pursuing help to get my money back. She closed my account and told me that I needed to pay the balance.
Consumer complaint received 2020-03-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Bank of America purchased our loan during the Countrywide Scandal back in XXXX. We financed with coutrywide in XXXX. 

Bank of America sold our loan to XXXX XXXX XXXX in XXXX as part of 91 % dumping of mortgage notes that is against the law. Bank of America can only legally sell of 51 % of notes. Our was one of those notes sold. 

As a result of the countrywide scandal, Bank of America ( aka BofA ) advised us we were to be part of the Bank of America  Debt Settlement Program which compensated homeowners for the subprime mortgage crisis. We tried numerous times via telephone and letters to speak to them about this and become part of the settlement. 

Shortly thereafter all mention of this program went away, NOTHING was found, even the number I had in my phone was no longer a valid number. It is as if this program was a fraud and never proceeded for any of the homeowners involved who lost their homes rather than being compensated as BofA told consumers they would be. 

XX/XX/XXXX a certified letter was sent and received by Bank of America, XX/XX/XXXX, stamped signature, unreadable, requesting the following which we have never received : 1 ) Original Promissory Note 2 ) Deed of Trust 3 ) All loan documents to include financed amounts, payment history, etc, transferred from Countrywide 4 ) All correspondence  regarding the Bank of America Debt Settlement Program for homeowners defrauded millions in this scandal. 

During this process, a government loan modification was done to transfer our loan to a conventional loan from the predatory adjustable loan countrywide signed us up for that was not clearly stated, hence the debt settlement program B of A offered to those homeowners defrauded for millions. 

This was never done, it went into another adjustable loan. Then the loan sold as part of the 91 % selloff of notes illegally to XXXX, which is a separate complaint.
Consumer complaint received 2016-03-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NY)

I got a notice from a debt collection agency that I owed some money from the cable company. Called the cable company XXXX XXXX XXXX XXXX and I do not owe anything. Called the debt collection company ( Diversified Consultants, INC. ) and was rushed off the phone when I started asking questions about the debt. They said they would " dispute the claim '' and then I was hung up on.
Consumer complaint received 2015-12-07
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: TD BANK US HOLDING COMPANY (MA)

TD Bank charged my account XXXX with an overdraft fee of {$100.00} when there was no reason for the overdraft. 
I want TD to inmidiately return the amount since in the last year they have charged me over {$800.00} in overdraft fees.
Consumer complaint received 2016-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IL)

My loan for my home was with XXXX XXXX XXXX. It was sold recently to XXXX I was working with company to do a modification, because of problem, s I was in forclosure..I mailed and faxed all my info to complete the modification. 
They sold the servicing rights XXXX this is the worst company, every day i call they tell me they dont have my information from the previous service company. 

in the mean tome my house is still in foreclusure and my attorney says it will be sold if i do not receive a modifcation. 
But everytime i call they tell me they dont have my information from previous servicer.. 
They are holding me XXXX. 
i need help, Plus I told them that I want to make a payment,
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have contacted Equifax several times to inform them that my mortgage account with XXXX XXXX XXXX is not past due. I spoke to XXXX XXXX XXXX and they sent me two letters stating that the account is not past due, that they do not even report anything to the credit bureaus regarding this account. 

When I talk to Equifax they asked for a copy of the letter and statement which I sent them. This account is not past due and my credit report should not reflect that it is.
Consumer complaint received 2024-02-08
Product: Credit reporting 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. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-02-10
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. (IL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX Inquiry : XXXX. XXXX, 2021 '' my ssn : XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: SELECT PORTFOLIO SERVICING, INC. (KY)

In XXXX 2016 after checking my credit report, I realized that there was an error on my credit report. Select Portfolio Servicing, Inc. had attached a debt to my credit report which did not belong to me. The debt actually belonged to my father who has the same first and last name as me. I contacted SPS in XXXX to correct the issue and made them aware that they had illegally obtained my Social Security number and attached it to my fathers debt. My father also contacted them to make them aware of the error. SPS mailed my father the appropriate forms to verify his identity and he completed the forms and returned them. He also attached copies of his drivers license and Social Security card to confirm his identity. SPS will not acknowledge these complaints or receipt of the forms mailed in by my father. Additionally, SPS will not admit fault for illegally obtaining my Social Security number and attaching it to this debt. For the past several weeks I have contacted SPS nearly every day by phone and have also contacted them in writing to resolve this issue. I have recently been denied a home loan because of this error on my credit report. SPS has made no effort whatsoever to resolve this issue and now I will soon be homeless because I sold my home and was unable to obtain financing to purchase a new XXXX.
Consumer complaint received 2024-05-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (MO)

In XX/XX/XXXX I received a bill for a service that should have been covered by my insurance provider and was a surprise bill. I started making payments as soon as I was financially able to, knowing that I had 12 months to pay it. From the Consumer Financial Protection Bureau 's website : " Beginning XX/XX/XXXX, paid medical bills will no longer be included on credit reports issued by those three companies. Unpaid bills will be reported only if they have remained unpaid for at least 12 months. '' This reporting of medical debt is in violation of that. 

I was again taken by complete surprise to see this being reported less than a year after I received a bill from the original provider and without any knowledge that this had gone to collections. I received no written correspondence about this company attempting to collect any debt, thus I had no way of knowing that it had even gone to collections. Whether they attempted to contact me or not, I have no way of proving that I did not receive something. 

I looked up the company and called them, asking to verify this debt in some way. They have details about my medical history, as stated to me on a recorded phone call, which is in violation of HIPAA laws. They refused to provide any proof whatsoever, including proof of correspondence or my signature for the release of my medical records to any third party. If they are associated with the provider in some way, this is deceitful. 

I have paid the bill that I received in full and am now showing a balance of {$0.00} ( documentation attached ), however this amount was less than is being reported by AR Resources. I do not know what the additional charges are since I never received any information about this. They stated to me on this recorded line that this would be deleted from my credit report, however again refused to provide any written confirmation of that upon request. 

This is predatory behavior on the part of AR Resources after I was already deceived by my insurance provider in the first place.