davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NAVY FEDERAL CREDIT UNION (NJ)

Navy Federal Credit Union hired a lawyer XXXX XXXX best of XXXX XXXX XXXX XXXXXXXX XXXX  PA to sue me for credit card I have with them that is part of an on going investigation with the U.S. Government for XXXX XXXX & Identity Theft. 

My account/card was purposely frozen or as they have it inactive status due to such actions mentioned above. Credit card and loans were submitted on credit report as a loss XX/XX/2021. As I am am unable to show any activity on creditors or VA Compensation or any government entities until further notice of clearance of said investigation completion.
Consumer complaint received 2017-02-23
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LoanCare, LLC (GA)

The mortgage company LoanCare has not reported correctly to the credit bureau. They reported that I missed a payment and every month after shows a missing payment. What actually happened was the my credit score went up {$70.00} and I Was n't notified to make the change in my bank account since payment is deducted automatically. I owe the XXXX to bring my account up to balance, but the principle and interest payment has never been late.
Consumer complaint received 2017-10-13
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. (MA)

I currently have an account with XXXX XXXX XXXX for XXXX with XXXX. XXXX are charging me with giving back the equipment which I already did. I have my recent and XXXX still has n't changed the information. This account should have never been on my credit report and I 'm requesting removal.
Consumer complaint received 2016-09-16
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

I graduated in 2009 from XXXX XXXX XXXX in XXXX NY. Ever since then, I 've been unable to find a job. I 've had multiple interviews only to be turned away because I ca n't get the experience. While I was going to XXXX XXXX, we were being taught outdated material, using outdated books in outdated software. I went for 3 years and acquired XXXX XXXX degrees. I had attempted my XXXX in their online courses for about 9 months and decided that it was n't for me. By the time all was said and done, I had accumulated over {$100000.00} in debt between my Federal, Dept of Ed and Private loans all the while not being able to find a job, living paycheck to paycheck working manual labor jobs. I 'm still in a position where, although I work in XXXX all day ( not my ideal job ), it 's a contract position that could end any moment working at {$12.00} an hour. That being said, I 've been forced under threat of litigation by my private loan lenders to pay over {$400.00} a month to just 1 loan, not including the other private, fed or dept of ed loans. It took me a year and a half, almost 2, to get them down this low in payments. During one phone call, which my father can attest to, I was given 3 months of forbearance during a time that I was unemployed. When I asked the woman on the other end if by the end of the 3 months I still do n't have a job, what should I do? She casually replied with no remorse " I suggest you pay the loan ''. As if to say that there was absolutely nothing she could do and she could care less how I do it. I can barely make ends meet, my car needs fixing, and I 've been forced to live at home because I ca n't make enough to live on my own, let alone pay these outrageous loans at 7.5 % average interest rate. Although I have much respect for the teachers I had, my education was a sham and I do n't know about you guys, but {$100000.00} is more than most ivy league schools, but at least with them you come out with a masters with that kind of money. I even went to the Career Services department that the school provided to help students find jobs, along with my father again as a witness, and was literally told to look on the same websites I had been using for years prior to that meeting. No attempt was made to even make an effort to help me. At that point I was left wondering what the XXXX I was paying for? With the recent shutdown of XXXX XXXX, I 'm seeking retribution and I 'm happy to watch them collapse. I 'm tired of being pushed around, I 'm sick of being in debt to a school that is literally robbing me and I just want to live my life. I just want to be happy for once without the burden of knowing that someone out there is taking all of my money. I do n't know if this will make a difference but I have to try something. I 'm submitting this under the federal loan section but my private loans are part of this too. Please help me.
Consumer complaint received 2017-01-06
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Freedom Mortgage Company (FL)

I have been a Freedom Mortgage customer since I purchased my home in XXXX XXXX. In XXXX XXXX I decided to refinance my loan, but the entire process has been extremely frustrating and unsatisfying, particularly with a Freedom Mortgage employee, XXXX XXXX. XXXX XXXX demonstrated appalling disregard and unprofessionalism. Emails between XXXX XXXX and I illustrate how I have been proactive in this process to provide the necessary documents needed. Yet, XXXX XXXX has neglected my information resulting in me receiving an email from XXXX XXXX, that my loan would be withdrawn due to " non-responsive customer. '' When I 've attempted to contact XXXX XXXX numerous times via emails and phone calls, I received no response. Then, my account was then conveniently transferred to XXXX XXXX ( the 3rd loan officer/processor to have my account since XXXX XXXX ). XXXX XXXX informed me on XXXX XXXX, XXXX she would look into the matter. On XXXX XXXX, XXXX when I was unable to reach XXXX XXXX, I spoke to her team leader, XXXX XXXX XXXX who also stated he would be looking into the matter and get back to me. When I did not hear back from XXXX XXXX, I spoke to his manager, XXXX XXXX XXXX. As I write this letter, I 'm still waiting. Although I remain hopeful that this matter could be successfully resolved, due to the high level of disregard I received the refinancing of my loan is at jeopardy. I need somebody to help me with the lack of communication with this company.
Consumer complaint received 2016-07-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

XXXX XXXX transferred me to SPS ... SELECT PORTFOLIO SERVICING IN 2015 XXXX. I HAVE MADE ALL MY PAYMENTS ON TIME TO XXXX AND SPS. somehow and i still do n't know why, XXXX took my payments and divided them saying that i owed XXXX $ then i wrote for a research and investigation.when sps contacted XXXX/after a year of harrassment calls and letters they then said i owed another XXXX remember i made all payments never late or missed.i contacted CONSUMER COMPLAINTS SEVERAL TIMES TO NO AVAIL.now after 14 m0nths i am getting new harrassment letters of forclosure.to stop the harrassment i have been sending extra payments to sps on XX/XX/XXXX, with my reg XXXX payment.this XXXX holiday SPS SENDS ME MORE FORECLOSING LETTERS THE SAME SAME LETTERS I RECEIVED 14 MONTHS AGO ... REALLY .PLEASE GET THEM OFF MY BACK AND IF U CAN FINE THEM FOR THEIR INEPTITUDE AND UNPROFESSIONAL DEALINGS WITH ME FOR OVER A YEAR. thanks XXXX XXXX
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

My Capital One credit card was frozen. My payment was due XXXX XXXX, 2020. I made a payment today, XXXX XXXX. The lateness of my payment is my fault. However, when I called the automated service to make that payment, the automated voice said nothing about my account having been suspended. In fact, the automated voice told me I had {$6400.00} available for purchases. Okay, I thought. I made my payment. It was confirmed, and I hung up. However, when I later tried to make a purchase that same day, the card was declined. I called the company 's automated service again. I got the same info : account balance, amount available for purchases. Nothing about a suspension. 

A customer service rep subsequently told me the account had been frozen because the account was three days late, and that it wouldn't be unfrozen until XXXX XXXX. eastern time the next day when the payment I had made with an automated check from my local bank checking account posted. When I asked why the automated service says I had {$6400.00} available for purchases when in fact I did not, the rep had no explanation. 

Capital One needs to upgrade their automated service. Getting declined by a vendor is embarrassing, especially when the credit card company 's automated service says I have credit available for purchases and says nothing about the account being frozen. How am I supposed to know? The automated service is lying to its customers and misleading them, in my case, into thinking it's okay to use the card. This is deception. Furthermore, when you make an automated payment, it's not instant. It won't post until midnight, and then it's another eight hours until the account is updated and the freeze is lifted. This long time delay is unacceptable. No matter how hard I tried, Capital One kept giving me the runaround.
Consumer complaint received 2015-10-26
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: AMA Advisors, LLC. (CA)

We just finished doing a refi to remove PMI off our mortgage with no cash out and now we are paying more on the back end while they only eliminated XXXX of the {$600.00} PMI monthly. Today, not even making the first payment for another week, they send me a flyer in the mail on how I can eliminate the entire PMI as part of the new program they have.
Consumer complaint received 2024-03-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (CO)

AMEX has applied my negotiable instrument as instructed, however I am not able to use my credit card because of credit limit they have applied to my account which should be open-ended. I have made multiple attempts to discuss this with AMEX to not avail. 


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

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Definition based on banking law : Account means an extension of credit. When employed in relation to an account, the word use refers only to open-end credit.

Applicant means any person who requests or who has received an extension of credit from a creditor, and includes any person who is or may become contractually liable regarding an extension of credit. For purposes of 1002.7 ( d ), the term includes guarantors, sureties, endorsers, and similar parties.

Application means an oral or written request for an extension of credit that is made in accordance with procedures used by a creditor for the type of credit requested.
Consumer complaint received 2020-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Their are incorrect accounts reporting on my credit reports XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I started looking to refinance my mortgage about XX/XX/2020. I looked at my credit score on my XXXX XXXX XXXX app and it was low and our  credit is excellent. So I got a credit report from TransUnion  XX/XX/2020 and they show someone else 's name, completely different on my credit report that is badly hurting my credit. I have never heard of this person ( " XXXX  '' ) and I have never had a XXXX account. I filed a dispute with TransUnion  and they refused to take it off. XXXX   already removed it for me. The amount is {$2400.00} that is in collection, from XXXX XXXX. The collection company is their own, XXXX XXXX  XXXX. For over a week TransUnion told me to call the collection company, who told me to call XXXX, who told me it was in collection, nothing they could do. I asked for a supervisor, they called me back, said they would investigate, today XX/XX/2020. Instead, they sent me an email with a form that has MY ADDRESS with this other person 's name on it and they want me to sign it. I refuse to sign anything with a criminal 's name on it, it was never my account. XXXX gave credit to someone using my SSN and never checked the name, they are 100 % at fault here. How can TransUnion put someone else 's name on my account?
Consumer complaint received 2016-05-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Financial Credit Network Inc (CA)

Seven months after moving out of my previous home, XXXX XXXX XXXX XXXX XXXX sent a bill for {$370.00} to a collections agency. No attempt had been made to inform me of the debt in the intervening 7 months. XXXX XXXX XXXX had my home phone number, work number, bank account information ( with permission to withdraw ), new address, and e-mail address. Yet they sent the account to collections without ever informing me that there was a balance due. 
The collections agency threatened to take further legal action, including negative credit scores and lawsuits, if I did not pay immediately. The collections agency had no information about the debt. XXXX & XXXX had no information or explanation of the debt, other than " you owe this. '' No one could explain why no previous effort had been made to collect the debt.
Consumer complaint received 2017-02-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

My husband and I applied for loan modification maybe XXXX times in the past XXXX years. The bank will notify us to apply and we did. Then all papers are requested and we always comply, submit the required papers. The bank will request for more and we find it is already too much. We check the requirements but they always have additional requests. Then the result is nothing, they do not inform us the outcome. What happens in the next bill is an increase of our monthly payment. So we complain because our intention for the modification was to lower the monthly payment. What I noticed was no papers sent to us about our application. We pay the new higher payment. What I noticed in this application processes is the equity is gone each time we apply for the modification. Applications were all at their behest. I think it was last year that they increased again the monthly payment. For the XXXX changes, it was like from {$1300.00} to {$1600.00}. In the last application a form for a loan was included for us to fill up and send back to them. It stated, we are applying for a loan thru ' HUD and the bank will get the proceeds but they will add it to our loan. They told us it will be included at the end of the loan. The last time I knew our balance was less than {$100000.00}. My husband had a XXXX mortgage and he requested help from some church group who were helping borrowers having financial difficulties due to job loss. From then on we really did not have any idea as to how much our balance was. Now the bank is trying to foreclose our only home and I 'm scared to death we might be homeless. I am fully retired and my husband is still working because of the property. We are trying to save it. We were up to date even with the increased monthly payment. Until XX/XX/XXXX we were able to pay them. When we went to the bank to pay for XX/XX/XXXX the bank did n't accept. My husband called their loan dept. reason they did not want to accept was they were foreclosing it. 

Also, in their notice of foreclosure I noticed another couple was in the list who were also notified of the foreclosure. I am in a quandary. I would like to know how it happened that there was another couple added with us. I know we are the only XXXX paying the mortgage. Please if you can look into this. I am desperate. 
if you can dig from the time my husband requested a church group helping hand please. I will send the supporting papers by fax tomorrow, I do n't know how to attach. My husband will fax to your office tomorrow from his work. 

We are now in foreclosure and we have a lawyer helping us. But the solution is, to me embarrassing. If we could save the house for now to have time as to the best move. I had your office in mind since last year when I read about the bureau from XXXX. I could not muster thinking of bad thoughts. But I was really glad to learn you are there for us. 

Thank you very much, I remain very respectfully yours, XXXX
Consumer complaint received 2020-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I had a prior dispute resolved with Experian regarding a collection which was reporting inaccurate information. The collection account was listed under Convergent Outsourcing and was successfully removed from my credit report after several disputes with the credit bureaus. There were also CFPB complaints filed under ID XXXX and XXXX. Now, the same account has illegally been reinserted onto my credit report under a different collection agency, XXXX XXXX XXXX. This is another FCRA violation. I did not receive any formal notice from this collection agency or Experian. The account should not have been reinserted in the first place.
Consumer complaint received 2015-04-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions. (GA)

I HAVE RECEIVED MULTIPLE PHONE CALLS TO MY CELL FROM # XXXX WITH NO VOICE MAIL BEING LEFT BY THE CALLER. FROM MY SIMPLE ONLINE SEARCH I HAVE FOUND THE COMPANY FBCS ( Federal Bond & Collection Service ) TO BE THE LEADING CULPRIT. I CALLED THE NUMBER BACK AND HEARD A PRERECORDED MESSAGE ABOUT AN ATTEMPT TO COLLECT A DEBT, HOWEVER, MY MOST CURRENT CREDIT REPORT SHOWS NO DELINQUENT ACCOUNTS. THE MESSAGE OFFERS TO ACCEPT AN OVER THE PHONE ACCOUNT PAYMENT OR YOU CAN SPEAK TO A REPRESENTATIVE. I KNOW THAT YOU SHOULD NOT RESPOND TO SO CALLED ROBOCALLERS AS IT MAY MAKE MATTERS WORSE. PLEASE INVESTIGATE THIS HABITUAL HARASSING BEHAVIOR
Consumer complaint received 2015-10-26
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (OH)

I received a bill for my American Express corporate card for a charge in XX/XX/XXXX I never initiated. I disputed the charge, advising I was never in that location, and there will neither be any A ) security footage of me using that card in that location or B ) documentation with my signature. Amex came back without any footage from the store in question and with a receipt that did not have my signature on it. The person who signed the receipt did n't even try to sign my NAME, much less my signature. AMEX claims the receipt which is clearly signed by someone else is proof enough and that I am responsible for this bill.
Consumer complaint received 2016-10-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (TN)

I advised this debt had been paid with the orginal utility company ( XXXX ) and I did not owe it and to stop calling me at my work cell phone number. 
They continued to try and collect and continued calls.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax ; XXXX  and XXXX  should not be reporting a charge off in the amount of {$15000.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have been working with XXXX XXXX XXXX XXXX and the XXXX account was settled in XX/XX/2020 and should be updated to report a {$0.00} balance. I have attached documentation for reference that this account has in fact been settled. This false reporting of a charge off is seriously harming my credit score and this line item needs to be updated and/or removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2016-10-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Eagle Accounts Group, Inc. (IN)

At one point I did have an account at XXXX XXXX XXXX, but I completed and submitted the correct paperwork to close the membership. At that time, my account was up to date. I should have no charges.