davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Accounts Receivable Consultants Inc. (TX)

Our family does not and has not had insurance since 2013. When we had our XXXX XXXX   XXXX XXXX things were tough. 

1.5 years later our budget is tight but I am trying to repair our credit in order to buy a house. 

I spoke with XXXX on XX/XX/XXXX I explained I was trying to set up a payment plan for the {$300.00} I owed for the pediatrician who saw my son upon devivery at the hostpial. Keep in mind we payed over $ 5k before leaving the hospital unbeknown that we would owe separately for the care provided. 

She said she needed the full {$300.00}. I told her I dont have that in my budget. She then preceded to tell me you are buying a house for {$280000.00}. Stunned I told her absolutely I am not buying a house and we have a mortage on our home which we bought five years ago for XXXX. She said well your house is appraised for XXXX. I told her we have been trying to sell the house and I am trying to repair our credit. She said well its not showing on your husbands credit so unless you give the full amount I have to report it on his as well. I told her I am trying to pay what I can and trying to make my debts right. She said Im not going to put a payment plan on a debt that is 1.5 years old, This is a attempt to collect a debt etc, is there anything else I can help you with. After being silent a moment I said so you have the ability to make a plan but your choosing not to. She said XXXX XXXX I am going to hang up. Then heated I told her so your making he desecion to choose another persons fate just like that, when Im offering you the little money I do have, your not going to take my money, I told her she is a terrible person and after that she said okay I am hanging up now. 

My husbands income has reduced since buying this home. He is on a salary of XXXX monthly. Our mortage is XXXX a month, electricity between 200-400 water, cellphones {$280.00} limited out credit card minimum payments weve been making for the past 3 years ( which shows on our credit ). My husband drives 100 miles a day plus tolls which is $ 680 monthly. We literally have between 600-700 left over for food, my gas, diapers, etc a month. I am trying to budget {$100.00} of that to spread out with our outstanding debts until we can sell this house pay our debts and have our credit in good enough shape to buy another home. 

I do not know XXXX last name but she is the only one who handles the debt collecting at the office she works for.
Consumer complaint received 2018-02-02
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. (MD)

Experian sent email stating that " -- -- --, your dispute results are ready. 

Good news! Your final dispute results ( report no. XXXX ) have been posted. Please sign in to see them and confirm all changes. 

If you have any questions, feel free to reach out to our team at ( XXXX ) XXXX ( Mon-Fri :  XXXX-XXXX PST, Sat-Sun : XXXX-XXXX PST ). '' Experian adamantly not updating the credit report though XXXX XXXX XXXX sent them the corrected information Experian 's customer service is the Worst.
Consumer complaint received 2018-02-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX Complaint regarding lack of notice for transfer of mortgage account I have a mortgage account with bank of America since XX/XX/XXXX. Today ( XX/XX/XXXX ), I attempted to make a payment online and I could not as the account was not available. I called the mortgaged department and, I was informed that my account was sold to another mortgage company. I asked how the decision was made without any notice and having to find out that day. I explained that to the representative that in the last month ( XX/XX/XXXX ), I called several times to discussed mortgage payment, check received, and possible refinance option and, not one time has someone even mentioned it. The representative stated that a letter was sent on the XX/XX/XXXX. I explained that I have not received any letter as of XX/XX/XXXX. I was transferred to the debt collection department and was informed the account was that the account transferred was a request from my ( investor, FHA ). The representative explained that they had 30 days to notified me but yet, the alleged unreceived letter was sent out on the XX/XX/XXXX given me 15 days of notice. I contacted the FHA resource center and, I was informed that they do not make such request for account to be transferred to other company as it is the lender 's doing ; the bank just need to notified the HUD national. I am filling this complaint because Bank of America failed to give me proper notice of their decision to transfer my account and gave me false information. Bank of America has violated my right to received proper notice before such action was completed.
Consumer complaint received 2020-07-15
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (NC)

I closed on a IRRL on XX/XX/2020. My original loan was with XXXX XXXX, and I received an offer to complete an IRRL through them. I first contacted XXXX XXXX via telephone and later received email communication from him with email address of XXXX. The next person to assist with the refinance was XXXX XXXX ( XXXX ). During the process of completing the refinance I was also changing my Home Owners Insurance to obtain a lower premium as the renewal of my coverage was going to be approximately {$700.00} more than NC stated the rate should be. I contacted my insurance agent, XXXX XXXX who was able to obtain a policy for me at a much more reasonable premium. After several emails back and forth between myself and XXXX, along with his assistant, XXXX XXXX, I received a confirmation email that XXXX had received all information needed to have the premium for my home owners policy at closing on XX/XX/2020. As stated at beginning of complaint, closing occurred on XX/XX/2020. On Monday XX/XX/2020, I was notified by my insurance agent that he had received a letter from my new Home Owner 's Insurance Company that my policy was cancelled due to non-payment of premium. My Agent sent me paperwork to sign, and I submitted payment for 3 months of premium to get policy re-instated. At that time I placed a phone call to XXXX and XXXX, leaving voicemail messages for both, and sent XXXX an email. With no response to voicemail messages left, or to the email sent to XXXX, on XX/XX/2020 I sent an email to XXXX, XXXX, and XXXX XXXX ( XXXX ) who was listed as XXXX 's XXXX at the bottom of an email from her. At that time I asked for clarification on why my insurance premium was not paid at closing as discussed and confirmed via email messages. I received an automated out of office response from XXXX stating he would be back in the office on XX/XX/2020. I did not receive any response from XXXX or XXXX. I called both XXXX and XXXX and left voicemail messages for them asking for a return call to discuss what occurred with my payment for insurance premiums. As of today I have yet to receive any response to my original email, I sent a second email yesterday to the 3 named persons again asking for a response to my original email sent on XX/XX/2020. This morning I sent a 3rd email requesting a response and sending notification that if no response was received by close of business today that I would begin looking into other alternatives to resolving my situation. As no response was received even stating that they were reviewing files to determine what occurred, I am now filing a formal complaint against Bayview Loan Servicing. I have copies of all email communication between myself and XXXX, XXXX, XXXX, and XXXX that can be provided if needed. My Home Owner 's insurance is to be paid out of escrow and it now appears that I will be required to cover the first year of premium out of pocket while paying into my escrow account to have it covered as well, an expense that I was not budgeting for.
Consumer complaint received 2018-02-02
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. (LA)

I have contacted Equifax Credit Bureau by mail and email about information that's reporting to my credit report as inaccurate. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Equifax has sent me letters via their online site stating they have verified that the item is correct but has not sent me any documents that I have a right to verify. The accounts are as follow : XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX I have always placed a fraud alert on my account when I noticed inaccurate inquires which Equifax is aware of and due to Equifax breach which I have confirmed with their representative that I am impacted by. Due to Equifax lack of responsibility with my information has been compromised.
Consumer complaint received 2019-05-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (IL)

XX/XX/XXXX I purchased a home using my VA home loan certificate. As of XX/XX/XXXX I am property tax exempt Due to receiving the XXXX Veterans ' Standard Homestead Exemption and based on my XXXX rating. But the way XXXX XXXX did the closing paperwork and cost, I have to pay the taxes owed for XX/XX/XXXX-XX/XX/XXXX. Now as of XX/XX/XXXX The money Source ( TMS ) received the full tax bill for the 8 months owed and paid out the full amount, so I owe {$0.00} and they have this on their records and the tax exemption document from the county. Now they tell me they have to do an Escrow analyst and that can take 60-90 days ( 2-3 MONTHS! ) and its scheduled to be complete on XX/XX/XXXX. So I have to pay over {$500.00} a month in property taxes ( That I dont owe ) until XX/XX/XXXX ( which means XX/XX/XXXX will be the first month with new monthly payment ) then they will cut me a check for any amount over {$50.00} in my escrow that isnt owed. Why are they legally able to keep collecting a large amount that I do not owe and they have everything required to adjust the payment accordingly? It seems as they are holding/collect longer than they should be. 


Loan # XXXX Mr. XXXX XXXX
Consumer complaint received 2020-07-15
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. (NY)

Experian credit bureau is claiming that XXXX XXXX XXXX  is stating my account is closed when it is not. I put in two disputes with Experian that keeps coming back saying this account is closed when it is not. XXXX  XXXX XXXX  also is stating that they are informing the credit bureaus that my account is open and active. XXXX XXXX and XXXX  are not showing this account as being closed, it is showing it as being active. Only Experian credit bureau is claiming this and This incorrect reporting is causing my credit score to be Tremendously low!
Consumer complaint received 2020-06-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America has placed a Delinquency and charge off on my credit file. This is INCORRECT. The correct file entry should be " late payment ''. No balance, on the account is inconsistent with something being " charged off ''. The difference is a cascade effect it has had on my credit score and potential 7 years of visibility on my file vs 6 months for a late payment. 

The beginning of the cascade issue is XXXX reducing my credit from {$12000.00} to {$1500.00}. Once again NEVER LATE - NO BALANCE. 

Since ALL credit card companies use this file, the accuracy of the information is directly correlated to my score. 

This is unacceptable since NO HARM was done to BofA, and this action will cost me thousands for YEARS.
Consumer complaint received 2021-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (SC)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Paramt Rec I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: California Accounts Service (CA)

California Account Services is reporting a debt on my credit that i do not owe.I recently checked my credit report and noticed this debt. I paid this account directly to the hospital and there was no balance remaining. This should have never gone to collection because it was never a collection. This is erroneous.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (GA)

I filed a dispute on XXXX for {$2400.00} for unauthorized transactions on my card I was not aware of. Dispute number XXXX. XXXX days later I received an email saying This letter serves to inform you that we have reached a final decision regarding the claim mentioned above. After conducting a thorough investigation, we have determined that no unauthorized activity has occurred, and as a result, your claim has been denied. Our investigation involved a review of the information provided during the claim submission, as well as an examination of internal account records. Additionally, we collaborated with the merchant, other financial institutions, and our card processing networks as necessary. This claim is now closed. 

However I contact the merchant and XXXX XXXX stated no XXXX contact them on my behalf or have they spoke to anyone about unauthorized charges on my behalf. When I XXXX XXXX XXXX number and contact them about someone using a XXXX XXXX account using my card info they told me to contact my card provider. How can you do an internal investigation in XXXX days and deny someone claim without documentation. I can promise you I did not authorize these charges.
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I have an American Express Plum Business card for my business, which was pitched to me by my account manager as a great way to improve cash flow because so long as I make the minimum payment, I can defer the remaining balance to the next payment, which essentially is like offering 60-day terms. 

As this is a charge card and not a credit card, there is no pre-set spending limit. When I first opened the card in fall of XXXX, I had spent upwards of XXXX a month on it, and have always paid off the balance within the 60 days ( and have never had a late or delinquent payment ). 

I recently reached out to Amex because a charge was denied, which worried me because I had {$18000.00} in upcoming invoices from suppliers to fund production for a {$100000.00} purchase order ( that would be paid to me ), so it was imperative that I be able to take advantage of the terms. 

I made my monthly payment, however, I was told by Amex that no future charges would go through. In the past, the company had authorized increase spend amounts if I called in and told them the upcoming amounts. This time, they told me they could not do that because my balance was high ( albeit all of my payments had been made and I paid the minimum amount due ). I was told the only way they would authorize future charges is if I made a pre-payment of {$18000.00} on the card. This completely contradicts the real value prop of the card, as it does nothing to help my cash flow, and has put me in a real bind. 

I hold Amex to a higher standard because they created a holiday to support small businesses ( great marketing ). When push comes to shove, they will not actually offer the support small businesses need. When I told XXXX XXXX from Customer Support that there is no benefit to paying off a card early just to pay my vendors ( because why do that if I can just send my vendors cash? ), he replied " Well, at least you get points. '' I do not get points. 

Amex routinely sells one thing, but then services it a different way. Not only that, I had previously filed complaints with Amex about this issue in XX/XX/XXXX and XX/XX/XXXX, and nobody from the company had followed up. The Customer Service Rep could also not find any notes about follow up action taken in my file.
Consumer complaint received 2018-02-02
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2021-09-13
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: CL Holdings LLC (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-07-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

This is an old case but after hearing about all of the fraud Wells Fargo committed, I am now convinced that I too was a victim of fraud. I had gotten a loan modification several years ago from Wells Fargo. Later, got laid off. When I called to inform them, they encouraged me to enter a deferred loan program. Told me not to send any payments until I received paperwork. This was XXXX. Received paperwork in XXXX then was informed that the program I entered required all deferred payment amounts to be paid immediately after program. When I said I could not, was told not to worry, wed do a loan modification. I am now 3 payments behind when I had made 3 years payments on time prior so I proceed. After program ended, they demanded deferred amount and would not accept any payments. I filed for loan modification but was denied. Was told that my income was not sufficient though I was earning over $ 35k more than I was previously when they granted me a loan modification. I appealed several times and each time was denied. This ultimately led to my home being foreclosed on. I fought like XXXX but who can win against the banking industry. I was the victim of Wells Fargos unethical business practices.
Consumer complaint received 2018-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (GA)

In XX/XX/2017 a credit card was opened in my name by my ex spouse. I did not give her authorization to do that. After finding out about the credit card a couple of months later she told me that she would pay the money back and contact Navy Federal and let them know that I did not open this account. Ive tried disputing this account to no avail. This account has a tremendous impact on my credit report and its unfair that Im deemed ineligible for things due to an account that I never opened. I would like for Navy Federal to get this account removed off of my credit report as well as contact my ex spouse and put this on her credit report. Btw she has a bank account with this bank.
Consumer complaint received 2019-05-21
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Credit Central Holdings, LLC (NE)

They are trying to contact my Son. But, I have told them to stop calling me. This is a payday loan they tell me. They called at XXXX cst. when I advised the person XXXX I believe it was XXXX She said that was to bad. The next call came from a man that I again asked to quit calling me. Called me a rude XXXX. I have mailed a cease Calling me but, it doesn't work They call every other day with the same request to contact son, And was told they will keep calling until XXXX XXXX returns their call. I want them to quit calling me and they tell me they don't have to stop. They have called from XXXX and XXXX This Company goes under Credit Central and XXXX XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Data Mortgage Inc. (GA)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.