davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

XX/XX/XXXX I am the daughter of XXXX & XXXX XXXX, and authorized by them in Reverse Mortgage Services records to discuss and transact their business on this loan. My father will be XXXX XXXX XXXX soon and suffering with memory loss. 

We have been sending payments and requesting they be applied to the mortgage principal balance on a monthly basis starting on XX/XX/XXXX. This amount from XXXX to XX/XX/XXXX totaled {$11000.00} and NONE of it has been applied to the principal, as shown on the annual Reverse Mortgage statement. We also sent another {$1000.00} in XX/XX/XXXX. It seems the entire amount has been allocated between Mortgage Interest Principal ( MIP ) and interest. Why is there a credit on these two items instead of applying these funds to the principal? How can monies be allocated to interest that is not yet accrued? 

I spoke with two of their representatives today, XXXX and XXXX. XXXX referred me to supervisor XXXX, and XXXX promised to get with another supervisor and call me back today and that did not happen. 

I am sending this letter to the state Attorney General, the Federal Trade Commission, the Consumer Financial Protection Bureau, and the state Banking Regulatory Agency to report this and get further clarification. If this is a legal practice, it should be changed. 

We await your prompt response. Thanks for your attention to this matter.
Consumer complaint received 2021-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

Convergent Outsourcing and XXXX are both accounts that were opened fraudulently under my name. I did not open nor authorize anyone to open these accounts. I have completed a fraud ID Affidavit packet, please see attached. Delete these fraudulent account immediately as they are preventing me from achieving my credit goals. I have tried disputing directly with Convergent Outsourcing and XXXX already but they have not resolved the issue. I also provided proof of identification, please see attached.
Consumer complaint received 2020-09-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (AZ)

I purchased a XXXX card and loaded {$500.00} on the card. I opened the package, and the glue inside holding the papers to the card would not budge, so I had to use my key to get it off, and in doing so I scratched the stripe on the card, and I also scratched on of the 3 digits included int he CVV code. I called their customer service number super frustrated, but they were able to replace the card and stated they would mail me one out. They did, but when I got my card there was over {$92.00} missing out of mt {$500.00}. I live in XXXX, AZ, and the charges were all in the state of Colorado. Apparently my original card was still active, and I was told not to toss it, so I still have it. I activated my new card and called their customer service department. I held for over an hour and a half only to be spoken to with disrespect, and a lack of empathy. I do not understand how they can get away with this. After researching their company, I found tons of customer 's who have been through the same. I was told to mail in a dispute form and pictures of my DL just to get my money back. I am doing that, but I am filing this complaint to ensure this company does what is right and research this claim and loads my funds on to my working card ASAP.
Consumer complaint received 2020-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2021-05-05
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)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION (VA)

We starting getting phone calls from Truist or ( Suntrust ). At first we didnt answer because thought it was a scam. Finally, picked up phone and was informed we had been charged 3 months and they never received a payment. We were informed that XXXX had charged us for 3 months on an expired credit card. It had to be expired because we hadnt used it in five years. We didnt have one in our position. That means we didnt have any updated card. So the bank must have let them use an expired credit card. Once we found out what was happening we went directly to the bank in XX/XX/XXXX. The bank office talked to people had the charges removed. Well then we started getting collection calls and a letter that I didnt understand. So we went directly to a bank officer and explained the situation. They said that there was another charge added that didnt get removed. They expunged the charges, but made us pay XXXX which must have been for the collection agency. How does a bank allowed someone to charge to an expired credit card? XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXof XX/XX/XXXX
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

As per the FCRA any unverified or unauthorized accounts or inquiries must be removed from the credit report. I have called them, sent the FTC report and the fraudulent account and disputed have still not been removed. 

Letters have been sent over the past 90 days without any response from the bureaus.
Consumer complaint received 2020-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE (AZ)

XX/XX/XXXX I sold my house. Taxes and insurance were paid up to date by the transaction escrow company during the closing. I had an excess in escrow funds collected by the loan servicing company AimLoan.com. The loan servicing company owes me a tax/insurance escrow refund of {$620.00}. I provided a change of address to reflect my new mailing address. A refund was not received. 

On XX/XX/XXXX, an escrow summary letter from AimLoan.com was sent to my previous ( sold ) house and the USPS forwarded it to my new mailing address. I called AImLoan.com to make sure they had my new address ( I had changed it online ) and questioned when I could expect a refund check. They said it had been issued XX/XX/XXXX. No check was received. I was told I had to wait 30 days to be sure it wasn't just slow mail before I could request another check be issued. 

On XX/XX/XXXX, the re-conveyance of Deed of Trust was mailed by AImLoan.com to me at the old address. I called to have the address corrected again. Each time I called, I had to start over with the change of address routine. It seemed like a delay technique. 

On XX/XX/XXXX, XXXX 30 days after their issue date ) I made an official request in writing to have my refund check that was never received, re-issued. I was told it would take 2-3 weeks to check with their bank before they can re-issue a check. 

I received a letter ( at my new address ) dated XX/XX/XXXX from AimLoan.com research department stating they received my inquiry and referred it to the proper department for review. 

I received a letter from AimLoan.com dated XX/XX/XXXX from their research department stating they received my inquiry and referred it to the proper department for review ( second notice ). 

It is now XX/XX/XXXX and I have not received my escrow refund nor any further update on AimLoan.com servicing company efforts to refund my escrow surplus. Two months and 22 days past mt house closing and loan payoff date. Still no refund has been issued. 

Please help me get my money back from this company.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2017 a late payment was place on my consumer credit file by XXXX XXXX. Prior to this time. My original payment ate was the XXXX of the month. I discussed with XXXX XXXX that due to an hardship was it possible to change the due date to a later date of the month of which they agreed. I was charged {$20.00} to make the payment adjustment in the date. To make payments due on the XXXX of the month. In addition, I agreed to pay {$570.00} instead of the original {$510.00} payment to have the payment registered as on time. Even though I agreed to make these payments and followed the directions, they continued to report these payments as late to the credit bureaus. I set up automatic deductions and increased the deductible amount to {$600.00} to avoid the late fees. But the arrears just grew from about {$300.00} to over {$3000.00}, even though the payment was taken out of my bank account by the creditor every month as per their " agreement '' with me. Additionally they continued to report the account as late to the credit bureaus. In the original agreement XXXX XXXX allowed a 15-day grace period for being late after the due date ; however, late fees and reporting occurred if you were only late 1 day late. It was unclear how or whether the extra money paid each month was applied to reduce the late payments. I requested an audit of the account to verify the account and never received it. The company and bureaus did not follow the law and posted un-validated information about the account with XXXX XXXX. They violated my consumers rights by the following : 15 USC 1692f ( 1 ) unfair or unconscionable means to collect or attempt to collect any debt, 15 USC 1692g 809 ( b ). Validation of debts - Disputed debts. The information reported by the credit bureau 's is inaccurate : The balance, the monthly payment, the payment history, and the payment status are all incorrect.
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NJ)

XXXX of XXXX I put the house on the market with a real estate agent in the attempt to do a short sale, since my husband died some years ago I have had a hard time with the up keep as well as paying the mortgage. I filled out the loss mitigation package and sent it to my mortgage company. I received and offer of {$120000.00} that was rejected by my mortgage company the buyer and the mortgage company went back and forth with negotiations up to {$140000.00} which broke the deal for any additional amount over and above that from the buyer. Other offers came in during this time {$120000.00} - $ XXXXthen showings stopped and/or were canceled due to the condition of the property. XX/XX/XXXX another offer came in starting at {$150000.00} rejected by the bank, when I spoke to the mortgage company 's negotiator XXXX XXXX he stated that they had not even shown it to the investor. I was furious because of the delay of them responding to me and the BPO expiring and each time having to wait for an evaluation I felt as if they just wanted to foreclose on me. the final offer submitted was {$170000.00} and the appraisal value that the bank has is {$190000.00}. I need your assistance in evaluating on the end of the mortgage company if I have been treated fairly. They initially did not even have the accurate information to give me for this process the delay has been so long and I am becoming more and more fearful of foreclosure and the judgement associated with this. I have not received any letters to confirm that they have rejected the offers and have asked for a supervisor call that hasn't happened to date.
Consumer complaint received 2020-09-05
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. (MO)

On XX/XX/2020 I sent a dispute to Experian informing them that public records Bankruptcy being shown has the incorrect docket number across all 3 bureaus and they need to verify this information per FCRA with the original creditor they never sent me the information on how they verified this public records AT ALL. They continue to report inaccurate information that is not associated with me. Highlighted in RED is all the inconsistencies and all errors on my report and they continue to do this without any regard to WHAT PUNITIVE DAMAGES THIS IS CAUSING ; therefore this is my final step and after this I will be filing a complaint with the attorney general and SMALL CLAIMS with the courts for lawsuit. Attached is proof of the dispute and the errors that continue to be reported and them NOT CLEARLY VERIFYING THIS WITH THE ORIGINAL CREDIT ( THE COURTS ) If they are verifying this with the courts I would like to know the name of the person from the RECORDER OF DEEDS they spoke with court number.
Consumer complaint received 2021-05-05
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. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2017-12-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY (NY)

There is currently a derogatory record on our credit report from XXXX XXXX XXXX, account opened XX/XX/XXXX. The account is listed as charged off with a balance of {$31000.00}. It shows late payments starting in XX/XX/XXXX, and shows late payments since then.

Request 1 Remove derogatory information from our credit report, including the status of charge-off. The Fair Credit Billing Act requires creditors to bill correctly, including send bills to your current address and we did not receive bills or other notices on this account. 

Request 2 Despite not receiving statements or bills, weve paid this loan in full. We request that the loan be updated to reflect payment in full.

History 1. We believe the account was charged off in error. The loan was set up for auto payments from a TD Bank checking account. The auto payments worked for a few months, then stopped going through without our knowledge. The TD Bank checking account was not our primary account, and we noticed the issue from a negative mark on a credit report.

2. We received no bill, no notice of late payment, no notice that the auto-pay was not working and no email, letter or phone call from TD Bank requesting payment.

3. As soon we learned ( from credit report ), we called and made all retro-active payments for all back due amounts.

4. We requested a statement be sent of our account status, amount due, and payment information. TD Bank declined.

5. To date, we have received no written notification of charge off status, or recognition of monthly payments made. We have continued making monthly payments in good faith. ( we can provide bank payment records ) 6. Requested directly from TD bank to remove negative information from Credit report, but they declined.

7. Loan is now paid in full, have a letter from TD Bank dated XX/XX/XXXX acknowledging payment.

8. We request that negative information be removed from our credit report, and that the loan be recorded as paid in full.

9. In addition, we request a final accounting letter, as we believe we have a credit amount of approximately {$1100.00}, and would like that amount refunded.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2017-12-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc (TX)

I had to leave the University I was attending due to an illness. The University then sold my account to this debt company for collection. They started collecting the debt in 2007, {$100.00} per month, and the total debt was only {$11000.00}. It has been 11 years, and this debt should be paid in full, yet they say that I owe more than 13,000. I have never signed any promissory notes or guarantees to pay any additional amount. They have never provided any schedule of fees or interest amounts regarding the account. This violates truth in lending, fair debt collection practices, and more. 

They need to report to the University that the debt has been satisfied, as I have paid more now than the original amount. 

They need to stop stealing money from my checking account that is not theirs, as I have fully paid the amount owed to the school. 

I will contact an attorney regarding their unfair and abusive practices. 

In regards to XXXX. Your policy does not allow for medical withdrawals after the fact. It has now been 12 years since I attended the school. I would like to be able to finish my degree, but I am unable to do so due to this school not releasing my records. I have paid more than due to this collection company. Also, I have paid for all the credits that I obtained from your University. There is no reason I can not even get access to see what credits are on there. You have sold the debt to Williams and Fudge. Therefore, you no longer have collection rights. You need to release my transcripts and remove the hold on my file. I have paid you {$40000.00} for the credits that I completed and I have a right to the credits I have paid for and earned.
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Hello, My complaint currently Is against Bank Of America card. My application ID was XXXX. At this time, I feel the company is being discriminated since I have a last name of XXXX and they will not issue me a card at this time. 
Thanks so much for hearing me out XXXX XXXX
Consumer complaint received 2021-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NJ)

I refinanced my existing mortgage with a different company, and my original mortgage with Loan Depot was paid in full and closed on XX/XX/2021. As of XX/XX/2021, Loan Depot is still holding the funds in my escrow account which total over {$5000.00} dollars. Legally they have to return that money to me within 30 days - it has now been 50 days. 

Loan Depot claims they mailed me a check on XX/XX/2021. I never received it, and they have zero proof that actually sent a check. After escalating the issues multiple times, starting in XXXX, they finally agreed on XX/XX/2021 to cancel the supposed 'check ' that they mailed and wire me the funds. Since that date ( today is XX/XX/2021 ), Loan Dept has gone completely silent ; they will not answer my emails, and when I called their office it said they were closed due to unforeseen circumstances. 

I refuse to ever do business again with a company that will withhold {$5000.00} of someone's money in the middle of a pandemic. Had I made a single mortgage payment late, I would have late fees and other penalties. Their customer service reps, no matter how far you escalate, do not even pretend to care about you. There are plenty of better mortgage companies out there, I suggest you look elsewhere.