davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (CA)

XX/XX/XXXX Dear Sir/Madam, This complaint is against my mortgage number # XXXX with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, Arkansas XXXX After several attempts to get an explanation from my Mortgage Co. why is my mortgage going up? every 3 to 6 months ' it has gone up over {$300.00} dollars every 3 to 6 months with No  avail. I have no choice but to file this complaint, to get to the bottle of it. Every 3 to 6 months my fixed mortgage account is increasing with No explanation. I feel like I am being exploited by Arvest Mortgage. In XXXX ' I was paying {$3000.00}, okay, currently my monthly mortgage payment for XX/XX/XXXX is {$3300.00} over XXXXdollars more. 
I have talked with customer service XXXX, Manager XXXX, an supervisor XXXX got No help, was offered-no explanations given, basically I'm under the bus ' pretty obvious my account is not fixed I'm paying more then an adjustable mortgage account seriously I need some HELP ... 

Please audit my mortgage account ... 
Please follow my money .... 
Please audit my property taxes .... 
Please correctly asses my property value ... .. 

Regretfully,
Consumer complaint received 2021-04-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY (CA)

Hello, I am trying to fight a charge-off on my credit report. 
I had paid the Target Red Card services the full amount, but within 3 months, but they made it difficult to pay locking my only account. 

How long does your account have to be delinquent before they can charge-off the account? 

They did not write me to let me know the account was going to be closed r charged off. 

Please assist, XXXX
Consumer complaint received 2019-02-26
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

Good morning, I have been working with XXXX / Carrington mortgage services since the end of XX/XX/XXXX, I was suppose to close on XX/XX/XXXX but due to XXXX lack of communication and confusion me and my wife are unable to close. They had me fly to Georgia to complete closing. They said my granddaughter could be my POA and then letter change it at the last minute. My loan officer has not been following up with me to explain this process, I have been having my Grandaughter asssit me but they have a issue with her helping and not explaining everything correctly which delayed closing and now the seller is canceling the contract and I will loose my money. Please assist
Consumer complaint received 2017-05-31
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: EQUIFAX, INC. (MD)

After reviewing my credit report I noticed that there were inquiries on my report that had n't come from me. I tried calling the companies and they said that I needed to contact the bureaus. I called the bureaus and sent multiple inquiry letters but they refused to investigate and remove the inquiries. They said that the burden of proof was on me and  I needed to contact the creditors. I even contacted the Presidents of the companies via email ( all who had a Representative call me very quickly ) but still did n't get results. I sent 609 letters requesting signed proof that accounts that I did n't recognize that the bureaus are reporting belong to me and each bureau just said  that they were mine but without any form of verification.
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

I had a balance transfer offer on my account for 0 % for 15 months. I proceeded to transfer {$5000.00} from another card which posted to my Capital One account on XX/XX/XXXX, and I was charged a 3 % fee. When I received my new statement on XX/XX/XXXX, I had {$160.00} of interest charges ( based on the entire balance of the account ). I called Capital One and they stated that the offer I used was based on 15 month from the date I opened the account in XX/XX/XXXX. I questioned why an offer from that long ago would still show up a month or two before the promotion ran out, because it makes no sense for me to pay a fee to transfer my balance for that short of time. I also stated that I felt it was extremely deceptive to have an offer available like that. The person I was speaking with told me there was nothing they could do, as did the supervisor I asked to speak with. The statements don't show a date that the promo balance expired so I didn't realize I was accumulating interest until the new statement arrived, so now I've paid a {$150.00} transfer fee and {$160.00} in interest when I would have transferred the balance to a different card had I realized what was happening. I'm sure the dates were listed on the offer, but being XXXX, and considering these offers widely expire after XXXX of account opening, I thought I had close to the full 15 months. Now I am paying another fee to transfer to a different card only a few months later!
Consumer complaint received 2022-09-07
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681C. ( a ) ( XXXX ) 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 crime which antedates the report by more than seven years. 

15 U.S.C 1681XXXX ( A ) XXXX XXXX XXXX  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 2024-02-21
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: EQUIFAX, INC. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-03-20
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: ENCORE CAPITAL GROUP INC. (FL)

My XXXX credit report was wrongfully added a false late payment by XXXX XXXXXXXX XXXX  on XX/XX/XXXX and by its collection agent XXXX XXXX on XX/XX/XXXX. Apparently, someone fraudulently opened an account in XXXX XXXXXXXX XXXX by using my social and name and walked away with {$920.00}. I have NEVER opened this account at XXXX XXXXXXXX XXXX. I contacted XXXX and disputed this wrongful posting for three times and they asked me to contact XXXX XXXXXXXX XXXX  directly. I called the XXXX XXXX XXXX and they asked me to contact XXXX XXXX which it took over the account of XXXX XXXX XXXX according to the Bank. XXXX then ask me to file a complaint.
Consumer complaint received 2022-08-10
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. (AL)

In accordance with the fair credit reporting act Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated, and a proper investigation was done, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. this is grounds for removal they also violated my rights under 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
Consumer complaint received 2016-09-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

On XXXX/XXXX/16, I sent a certified letter to this company requesting for " validation '' via a document bearing my signature that I owe this debt and that it is valid. I waited 31 days, and received no response from this first letter. On XXXX/XXXX/16, i sent a second certified letter to this company asking for " validation '' via a document bearing my signature that this debt belongs to me and is valid. On XXXX/XXXX/16 they responded via a letter, but did not provide anything with my signature on it. Instead stated that I did not provide sufficient information and that I needed to send them documents. Basically giving me the runaround and not providing what I asked for in the two certified letters I sent them.
Consumer complaint received 2022-10-06
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: PENTAGON FEDERAL CREDIT UNION (CA)

My issue is with PenFed Credit Union. I applied for their XXXX card online on XX/XX/22. That same day, I was sent a text message that stated they needed more information. It was a long list asking for such things as a copy of a utility bill, driver 's license, proof of income, and more. It was too time-consuming to do all that ; therefore, I decided NOT to pursue it and sent no information. On XX/XX/XXXX, I see that another hard inquiry was made on my XXXX report! I did not apply a second time, nor was this authorized by me. This second hard inquiry brought my score down. I immediately called PenFed Customer Service. The following is a timeline : XX/XX/22 I spoke to XXXX, ID XXXX. She asked me to upload my XXXX Credit Report to a secure site. The reference number to confirm the upload is XXXX. She said she would look into the matter. 
XX/XX/22 I spoke to XXXX who said it would be done in 60 days. 
XX/XX/22 I spoke to XXXX who told me 90 days XX/XX/22 I spoke to XXXX who told me XXXX more days and gave me a case number : XXXX XX/XX/22 I spoke to XXXX, who transferred me to XXXX. She said there should only be one inquiry per application and that was all that was submitted. I never applied twice. Said she would handle the matter and never got back to me. 
XX/XX/22 My case was escalated to a supervisor who asked me to again upload my XXXX Credit Report. Once uploaded, it gave me a confirmation reference number : XXXX. She told me I would get a confirmation that it had been taken care of and that never happened! 
It has been over 7 months since I first began my communication with PenFed.
Consumer complaint received 2016-06-03
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (MD)

I signed up for an American Express XXXX credit card that offered XXXX points after spending {$3000.00} within 3 months. I confirmed that I was eligible for the offer via telephone and than applied and was approved online. 
Yesterday I secure chatted with Amex to find out the status of my points. I was told that I was not eligible to receive bonus points because I had had a XXXX credit card over 2 years before. I was not aware of this exception and it was never mentioned to me when I first called Amex to check eligibility. I would like Amex to honor the offer and award me the XXXX XXXX bonus points.
Consumer complaint received 2022-10-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

My federal school loans have been forgiven to due fraudulent actions and eventual school closure by XXXX XXXX. I had private loans serviced by Navient that I paid off in full but feel there is legal precendent to have these funds refunded. Navient has failed to provide proper insight or willingness to comply. Due to the Navient multistate settlement my private loans should be eligible for refund based off my schools for-profit status listed within the settlement terms.
Consumer complaint received 2016-04-05
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WI)

I am trying to work with Carrington Mortgage to refinance my house due to my recent divorce. I started the loan process a couple weeks before my divorce. The took my information including phone number and email address. The mortgage company set up my refinance loan under my name and sent all the documents to my ex-wife 's email address and phone number. I have asked my loan officer 5 times to change my email to the correct email. To this day this has not been changed. We are legally separated now and they are sending important documents to the wrong person. I was also notified by Carrington that they have a Loan assumption program for the USDA loan. That is what my current loan is. They advised me to send a fax requesting the " package '' to be sent to me. That was two weeks ago and I have not heard or received anything. I then asked my loan officer about it and she informed me that they do n't have that option. I looked online and USDA does offer that package between myself and the lender. They are currently my lender so I should be able to assume the loan. They are also asking for an appraisal after I just had one done less than a month ago and submitted it to them. To top it all off I have called the business on many occasions asking for a call back and have not once received a call back in regards to my questions. I have a deadline to refinance by XXXX XXXX according to my divorce decree. I am afraid that timeframe will not be met based on the interactions I have had with this company. Between the lies, lack of communication or no communication for that matter I am getting frustrated with the process and do n't want to lose my home based on their performance.
Consumer complaint received 2017-02-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (OR)

The lender is violation of RESPA and the clients right to counsel - the lender was request for legal challenges - the lender has yet to respond to our request of QWR sent XX/XX/XXXX, 5-day letters sent on XX/XX/XXXX and XX/XX/XXXX - A loss mitt package was submitted to the lender on XX/XX/XXXX and they still refuse to postpone sale for the review and response needed to our requests.
Consumer complaint received 2023-04-20
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: Experian Information Solutions Inc. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
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. (TX)

Ive been trying to dispute several times on these accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$270.00}, XXXX XXXX Balance : {$990.00}, XXXX XXXX Balance : {$480.00}, XXXX XXXXXXXX Balance : {$660.00}, XXXX XXXX Balance : {$200.00}, XXXX XXXXXXXX Balance : {$180.00}
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (FL)

I moved approx {$4500.00} in charges to a payment plan utilizing Amexs PLAN IT feature. Despite the amounts being reflected on the account as being active Plans with the ability to pay the amounts over 24 months, Amex is still demanding payment in full and is reflecting the account past due for these amounts. My charging privileges have now been suspended and when I call I get connected to collections who just dont seem to be able to grasp the issue. Both my calls and chats have been disconnected while I patiently explain the issues but the agent seems either incapable or unable to understand, address and resolve. CFPB should get involved here this is a major card issuer and this problem has to be impacting lots of consumers.
Consumer complaint received 2024-03-12
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: Healthcare Finance Direct LLC. (TX)

XXXX XXXX XXXX I was not finished with my treatment, when they abruptly filed for bankruptcy. I am receiving text messages about the remainder I owe to XXXX XXXX. They have breached their contract, and I did not receive what I signed up to pay for.
Consumer complaint received 2017-02-06
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ORG GC GP BUYER, LLC (NY)

I am writing to ask you to STOP it with all the harassing to calls to myself, my employer ( which can and will get me fired ), and to any and all family members near and far. I have been receiving multiple calls daily, as well as, have people in my husband 's family, my dad 's family in which we are estranged from, co-workers, and my elderly grandparents. The caller, XXXX on some occasions, has not only violated my rights by telling third parties about my debt, but has also been telling straight out lies to those other people she has been calling, saying that I gave her that number to contact me with. That is just illegal. If these calls to myself and others do not stop ASAP, I will be getting an attorney and filing charges against your company. I will be mailing your company a hard copy of this letter. I hope that the next time I hear from you guys, it will be to tell me that you will stop calling.
Consumer complaint received 2017-05-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (NY)

as of  XXXX  or earlier   XXXX   was reported a {$570.00} balance, this is after I ended my contract with a   XXXX    balance in  XXXX . I have asked numerous times for proof of the contract agreement and the finally bill and receive d nothing..   XXXX  and erc are giving me the run around
Consumer complaint received 2016-12-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (FL)

We closed on a refinance with Freedom Mortgage on XXXX XXXX, 2016. On XXXX XXXX I was told to cancel auto payments and to NOT make payments for XXXX and XXXX. However the autopayment had already gone through on XXXX XXXX. I called customer service to cancel the autopayments and was told we would be refunded the {$1100.00} payment made in error two weeks after closing. It is XXXX XXXX, no refund check and no one at Freedom Mortgage is willing to help me figure out what happened to our money. I called customer service who said they have no notes about a refund, but opened a ticket and I never heard back. I called the closing agent, XXXX XXXX XXXX, and they said they had no notes about a refund but sent an email to Freedom Mortgage. Never heard back. I called the loan processor, XXXX XXXX. She talked to her supervisor, XXXX, and said the payment made in error was included in the payoff. But they told me to call servicing who said a refund of {$1800.00}, a combination of the surplus payment and escrow money was due to us and to call back if we do n't receive it by XXXX/XXXX/16. No check. I called servicing again today and the agent could n't help me and transferred me to the Escalation department. The Escalation department told me again the XXXX XXXX payment was taken from our principal and we were not due a refund. I asked what is the {$1800.00}. She investigated with her supervisor but in the end could not give a response, and transferred me to a voicemail. I finally hung up. To say I am frustrated with Freedom Mortgage is an understatement. I ca n't find a single person who is willing to sit for 2 minutes to really understand what happened to our money. I just looked on my closing statement and the amount to be paid off was {$170000.00} with an escrow credit of {$610.00}. The payoff posted on my account is XXXX. If I subtract {$170000.00} from {$170000.00} I get {$610.00}. The XXXX XXXX payment for {$1100.00} was NOT included in the payoff. The closing statement was based upon the fact that we would not be paying XXXX and XXXX so the XXXX XXXX payment was not considered when the loan was paid off.