davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (KY)

My problem is with the servicer of my FHA mortgage loan, Loancare. I was facing a foreclosure sale date and filed bankruptcy in order to give me a chance to negotiate and be considered for government programs. However Loan Care sold my home anyway!! I then had to go through a process with the Master Commissioner to get the sale voided. Once this happened LoanCare assured me they would review me for government options for assistance. However, after sending my paperwork in they made excuse after excuse and continually lost paperwork and never actually conducted a review. They assured me my sale date was on hold but then they went and sold my home AGAIN last week! Instead of considering me for modification or partial claim or repayment plan they tried to sold my home! I wanted to file this complaint because I think Loancare is violating the servicing guidelines for a loan backed by HUD I live in this home with my wife and XXXX daughter. I was excited as a first-time homebuyer to qualify for this loan due to my income and steady employment at the XXXX XXXX XXXX. Problems started a little over a year ago when my hours were cut by 1/3rd. This was unexpected and I could not make ends meet for a time and missed a couple of mortgage payments. When I contacted Loancare to try and resolve this matter they told me they did not want a partial payment or a single payment. They wanted the whole past due amount along with late fees. I was only two months behind at that moment, but was still struggling and could not afford to make two payments at once plus all the late fees and junk fees that Loancare had added. Due to this I fell further behind. I asked Loancare for other options. I asked for the opportunity to apply for a loan modification but was told there was only one option, reinstatement in full. 

Loancare has failed to follow the rules for the servicing of an FHA loan. They have not conducted a review of my current and correct financial information nor have they assigned a single point of contact. They have not allowed me to apply for any homeowner assistance options such as modification, partial claim, special forbearance or repayment plan and have obstructed my efforts to save my home and have instead pushed me into foreclosure. Additionally, they failed to provide any Occupied Conveyance paperwork for me, which I think they are supposed to send out PRIOR to setting any type of foreclosure sale date. 

I am beyond frustrated with this company. I just wanted an opportunity to be reviewed for these programs now that my temporary financial hardship is over. However Loan Care went and sold my house instead.
Consumer complaint received 2019-10-26
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. (PA)

My installment account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$50000.00} that was opened on XX/XX/2019 is reported in the condition as derogatory by XXXX and XXXX XXXX reporting agency. Also in the comment section, the loan is reported as dismissed. When in fact this loan has been refinanced and " paid in full '' or paid as agreed. I contacted the lender and I have attached a letter from XXXX stating the loan is not being reported as derogatory.
Consumer complaint received 2019-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My installment account with XXXX XXXX XXXX XXXX ( XXXX ) for {$50000.00} that was opened on XX/XX/2019 is reported in the condition as derogatory by Transunion and XXXX XXXX reporting agency. Also in the comment section, the loan is reported as dismissed. When in fact this loan has been refinanced and " paid in full '' or paid as agreed. I contacted the lender and I have attached a letter from XXXX stating the loan is not being reported as derogatory.
Consumer complaint received 2018-03-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (PA)

I have been attempting to apply for a modification for the past 2yrs with this company and to no avail. I have been sending documentation over and over again and get the same response " we did not receive it ''. I have confirmation that the documents were sent and still is asked to resend my financials along with other docs again. I can afford to keep my home and can not understand why this is so hard to resolve.
Consumer complaint received 2018-03-23
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. (CA)

XXXX XXXX on Equifax XX/XX/2018 No Contact Information Available I have no knowledge of this inquiry nor I had given authorization for such. Please remove. Thank you.
Consumer complaint received 2022-09-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, monthly payment is inaccurate, and the balance is inaccurate. 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 Also the Credit bureaus took more than 30 days to complete my investigation as this dispute was sent on XX/XX/XXXX and received by the credit reporting agency on XX/XX/XXXX with no response. Tracking # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

Every single day for the last year, they keep calling me from multiple numbers. Saying I owe money from one of my charged off credit cards. I tell them I dont have money right now and they said we need you to pay at least {$50.00} today can you do that? And I say no I cant because I dont have the money available right now and they continue to harass me and say well how much can you pay today. We need some amount of money today so your account doesnt default and a legal judgment is posted against you. Then they tell me I need to give them my bank account routing number and they will take the money out when I think Ill have it available ( post dated ) and I tell them Im not sure when Ill have it available and Ill call then when I have the money and they CONTINUE to call and harass me.
Consumer complaint received 2022-09-08
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. (AL)

I have tried multiple times to dispute these bankruptcies on my credit file. This bankruptcy is reporting inaccurate and should be deleted. The third party XXXX XXXX has already deleted these bankruptcies. Im requesting for the credit bureaus to remove them from my credit file
Consumer complaint received 2017-10-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc. (AL)

On XXXX/XXXX/XXXX my XXXX received a call from the same number XXXX back to back when she finally answered they belittled her and threatened to arrest her for XXXX XXXX XXXX from XXXX that never got paid when I called them they did the same to me accusing me of trying to defraud the lender and was going to have a warrant out for me if I didnt pay this ridiculous amount
Consumer complaint received 2016-12-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

I recently submitted a dispute with XXXX about some negative accounts that Smith/Rouchon had applied to my credit reports. XXXX submitted the dispute and the company did n't verify the debt.. The items were deleted and an updated copy of my report was submitted to me via mail I 'm XXXX 2016.. Smith/Rouchon re inserted the negatives which cause a tremendous drop in my credit score. They never sent notification that they were adding the negative items back to my account and by. State law they have to submit notice to the consumer.. I am asking that the inaccuracies be deleted and not be put back on my reports from all XXXX bureaus..This company buys accounts for XXXX and add unnecessary fees and court costs.. they never provide me any services nor should I have to pay for services that were n't rendered from this company.. I am going to file a suit against this company for violating all laws..
Consumer complaint received 2017-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

in XXXX I opened a XXXX Credit Card. In XXXX Capital One took over my card and it became a Capital One Platinum XXXX. As I was researching I discovered that this particular credit card they offer has no annual fee. I was very happy for this because I was pretty sure there was a fee on my old XXXX XXXX. I recently paid my Capital One Platinum card off and suddenly on my next statement besides the residual interest there is an annual fee of {$39.00}. I call them to ask about this fee and they said that it was part of my agreement with XXXX ... ..ok but it has been a Capital One card since XXXX and I feel that I should be getting the same benifits that they offer with this card for the same price that they offer their other customers. They said no they ca n't do that. Ok then transfer me to their other card that they do charge {$39.00} annually and give me the benefits that card offers. Again they said no. They refused to waive it, and insisted they can not drop the fee in the future even though I have been an excellent customer. They told me I could close it but that would have a negative effect on my credit rating since it was such a old/longstanding credit relationship. 
I feel this unfair, when they took over this card and put me in one of their products should n't it have more equal? And when brought to their attention, work with me now that they can see the type of customer I have been?
Consumer complaint received 2017-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (FL)

RoundPoint Mortgage is my servicer. As with most homeowners, I pay escrow every month as part of my mortgage payment. However, RoundPoint paid one of my insurance premiums a week and a half late ( due XXXX/XXXX/2016 ) causing the insurance provider to cancel my policy. Four months later my account gets assessed with a forced-place insurance policy that is conveniently offered by an affiliate of RoundPoint. This made me angry for multiple reasons. One, I was unknowingly without insurance for several months due to an error which RoundPoint has admitted to, but still not corrected. Had something tragic happened to my property, I have no idea how RoundPoint would have addressed. Thankfully nothing happened to my home, but the concern is still valid. Additionally, my total annual premium is {$770.00}. The policy RoundPoint offered was approximately 6 times the cost of that. RoundPoint also forced a retroactive placement of the policy, so by the time I realized anything was wrong, I already had 4 months of charges against an absurdly overpriced policy. Additionally, one of their customer service reps notified me that the insurance vendor is an affiliate of RoundPoint. They profited from their own mistake! Despite 5-10 phone calls, and 20+ emails over the past 6 months, I am always left waiting for one of their " managers '' to return my messages after they promise to do so. I consistently get a few responses and then the trail goes dry. It 's like they 're purposefully waiting for me to give up.
Consumer complaint received 2021-09-07
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

I paid my low balance XX/XX/2021 under {$200.00} and had remaining credit available on my account, when I tried to use the credit available they closed my account without any notification is account was paid on time.
Consumer complaint received 2022-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MI)

On XX/XX/XXXX, I decided to open a new account with a new phone service provider. I chose XXXX. I signed up and was approved and settled for a XXXX  XXXX. I paid a activation fee of {$60.00} and a few days later revived a order number for the phone. A few days pass, and no phone arrives on the predicted date of delivery. I decided to wait it out just in case there was a delay in delivery. However a few weeks later I receive a letter for the first month of the phone bill. At this point I paid {$60.00} and had not received a single service, a phone, or anything from XXXX besides the order number. I decide to call XXXX  and let them know I still hadnt received a phone number or phone. I was informed that I would have to go into the actual store to continue the process of opening an account and that I would not be charged until doing so for security reasons. I decided to just let the account close on its own as I was told I would not be charged. A few months pass, and in XX/XX/XXXX I receive a bill for {$250.00} saying I owe past due amounts for something I never received and a service I never had. I called XXXX again and was informed that I had no balance on their end. So I let it go again. On XX/XX/XXXX I received a bill for {$870.00}. At this point Im livid as I had been constantly told I had nothing to pay considering I never received a product or service. I go into the actual XXXX store and they tell me the same thing except that the account was closed this time and that there was no remaining balance. Now as of XX/XX/XXXX, the bill for {$870.00} was added to my credit report and has affected my credit score. I received notice that the bill was turned over to a collection agency which is very upsetting as I have never received a product or service but I am expected to pay {$870.00}.
Consumer complaint received 2017-12-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (FL)

a ) I received a debt collection letter dated XXXX by mail on XXXX with a deadline of XXXX to respond or dispute. A sick XXXX joke. 
b ) The amount is for {$3200.00}. 
c ) I do not owe the funds since the debt has never been validated per many requests thereof. 
d ) Statute of limitations exceeds 6 years for FL or GA states I have resided in. 
e ) Creditor may no longer be in business. 
f ) XXXX XXXX XXXX XXXX a subsidiary of Encore Capital Group, Inc send me the debt collection letter. Their fax number of XXXX is not in service. I found an alternative fax of XXXX via internet search but I can not verify if it is their fax. I sent my debt validation letter request and a cease desist letter to this fax. 
g ) The debt collector letter stated after XXXX XXXX signature that the law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report payment or non-payment of it to the credit bureau. If this is true, then why the effort to collect unverified debt. 
h ) Many online forums show XXXX XXXX XXXX as trying to collect debt and sue people for debt not verified nor owed. Some type of legal harassment or entrapment efforts to unsuspecting consumers. 
I ) I do not want this company trying to collect unverified debt from me how to stop? Credit dispute or debt validation letters sent to the company by people are typically ignored nor receipt thereof acknowledged according to online forum complaints.
Consumer complaint received 2022-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've removed my freeze from my credit report for a week to apply for XXXX XXXX business credit card for my XXXX shop and I was sent alert notifications that some lender other than XXXX XXXX had ran my credit without me authorizing it. I tried to reach out to their consumer credit reporting and they kept sending me to different department which is frustrating. no one from their side even reach out to verify to ask if it was me that who requested the pull. I don't these old inquires coming back on report or if they're new because I recently just had these lenders removed but they came back. I would like these removed off my report because my credit is important to me at my age and I've really hard to build it. The companies I want removed are : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WI XXXX
Consumer complaint received 2017-09-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

Back in Fall XXXX, Navinet contacted me rudely stating a loan was due. I stated I was currently in school and faced with other situations ( paying down a debt from my daughters medical bill ) and could not make the payments. Instead of offering assistance - forbearance, lowering payments, etc. they rudely stated that it would go on my credit report, etc. 
I struggled to gather the money to make the payment, but it did n't stop. Month after month and it is still going on. No help, no assistance just rude demanding phone calls to collect my payment or else it will go on my credit report - which it has. 
I just know noticed they took money that should have went to 2 loans ( I have three in total, 2 were activate at the time of this ) and they applied entire payments towards one loan instead of splitting the payment - making me " miss payments ''. Here I was making payments thinking I was helping pay down both loans ( which I actually never knew about since they only told me about one, the one from XXXX ) and they were applying payments towards another loan. 

Here is the payment schedule : Contacted rudely - Fall XXXX XXXX - XXXX Loan : ( the loan there were applying all the $ towards at times ) Date Description Principal Interest Fees Total XXXX/XXXX/XXXX Payment - 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 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 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 2018-03-23
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. (GA)

I have an account on my credit report from XXXX XXXX acct # XXXX that was disputed in XX/XX/2017.. It was removed and about 1 month later it was reinserted without my knowledge.. I called Equifax to see why it was reinserted without my knowledge and that I wanted it deleted because they didnt notify me no later than 5 business days after the reinsertion ... The account was never deleted.. On XX/XX/2017 I sent Equifax a 5 day reinsertion letter and I still didnt get a response.. below you will find an attachment of the letter I sent Equifax..
Consumer complaint received 2017-09-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX, I went into a Chase Branch at XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX to open a Checking and Savings account. I had received a coupon on the Chase.com website after logging into my credit card account to receive a {$500.00} bonus for opening the Checking and Savings account. I was assisted by XXXX XXXX, a Chase banker, who helped me to open the accounts. The Chase banker reviewed my information and asked me extensive questions in regards to my personal and financial situation. The banker expressed no concerns with my information and my accounts were opened with no issues. On opening, I wrote two checks, {$25.00} for the checking and {$15000.00} for the savings which I funded with the recent sale of my home. Documentation on the closing of my mortgage with XXXX XXXX and the wire instructions with the escrow company can be provided upon request. 

On XXXX XXXX, the checks cleared and the funds were available in the accounts. 

On XXXX XXXX, I attempted to log into my Chase Mobile App and received a notice that my accounts were suspended and to call customer service. Upon doing so, I was informed that my checking and savings accounts were to be closed. I attempted to gain information and understanding of why my accounts were closed and did not receive an explanation. I also went to the branch where I opened the account and the Branch Manager was unable to retrieve that information as well.
No attempt was made to my knowledge by Chase to reach out to me prior to the closure of the accounts. No notice was given. 


I had recently opened accounts at two other financial institutions and did not have any issues with those banks. 
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