davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (ID)

My taxes and Insurance are impounded this is the second year in a row since my loan was sold to Arvest Central Mortgage XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Arkansas XXXX ( XXXX ) XXXX that my insurance was not paid on time by XX/XX/XXXX and I received a Expiration letter from my insurance company XXXX XXXX XXXX XXXX XXXX Ca . XXXX ( XXXX XXXX XXXX dated XX/XX/XXXX. 

When I received the letter I called to make sure the payment had not crossed in the mail, todays date XX/XX/XXXX. In fact the payment has still not been made, called Arvest their automated service said the pay was mailed out on XX/XX/XXXX when I got a live operator XXXX he stated the payment was made on XX/XX/XXXX, he advised that they have a 30 day grace period to make that payment, XXXX stated they have 14 days from the due date. 

I am in the process of submitting documentation for a loan they requested Homeowners declaration which will show as expired causing problems with processing my loan. Kindly advise the process and time frames for normal escrow impounds to be paid I have never had this issue with any other company for 30 years of being a homeowner. 

I would love it if Arvest would sell my loan as I have complained about how they accept payments in the past. That was not resolved they stated they did not have to accept partial pays on the acct and I had signed for that, when I pulled the copy of what I signed it reads they " do not have to accept partial pays on delinquent accounts '' MY ACCT. IS NOT DELINQUENT, IT IS CURRENT therefore I do n't see that applying to my situation of me wanting to make the pays as my money comes in.
Consumer complaint received 2017-12-09
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

XXXX XXXX is not legally authorized to collect debt in the state of Texas. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from  engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 
Based on the information filed with the Office of the Secretary of State, the bond for this company has been cancelled, and  therefore they are not legally able to attempt debt collection within the state of Texas, where I reside, and can not report these false negative items to the credit bureaus. Please remove this item from my credit report for all 3 bureaus asap and stop contacting me.
Consumer complaint received 2017-12-08
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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (NY)

A Hard inquiry is on my credit report on XXXX XXXX, 2017, not sure what it is from the only thing that is showing is the following, and did not authorize a hard inquiry on my credit report. 

XXXX XXXX, NC XXXX ( XXXX ) XXXX
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (SC)

I have an existing AMEX Platinum card and called AMEX on XX/XX/XXXX to transfer my points to my XXXX XXXX investment account, the representative on the phone recommended that I sign up for a XXXX Platinum card. When I verbally asked multiple times if there was an annual fee, I was told that there wouldn't be an annual fee because I already had a Platinum card. 

I called twice to confirm that there would not be an annual fee, and both times I was verbally told there was no annual fee. I was charged {$550.00} on XX/XX/XXXX, and I called the XXXX number to dispute it and was transferred to the manager, who told me he would review the call log to confirm and get back to me. They determined that they were not at fault and recommended that I cancel my card to return the annual fee, since I had already used the welcome points, I have a rewards balance of negative XXXX. 

I was verbally misled by AMEX and they refused to provide any reasonable path to arbitration.
Consumer complaint received 2019-05-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MiraMed Revenue Group LLC (NY)

Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove.Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary
Consumer complaint received 2017-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

On XXXX XXXX, XXXX, I received mail from XXXX XXXX XXXX about an alleged debt owed. I checked my credit report through XXXX and the debt has been reported as an adverse account. [ Account XXXX XXXX ( Please note : XXXX XXXX account 's last four digits for security reasons ].  Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), I sent via certified mail [ Mailed XXXX/XXXX/XXXX ; received XXXX/XXXX/XXXX ] a request to XXXX XXXX XXXX to provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof that you are licensed to collect debts in Maine ; and 4. proof of the last payment made on the account. XXXX XXXX XXXX has contravened its 809 ( b ) statutory requirement to sufficiently validate the debt. Furthermore, in the event XXXX can sufficiently meet its 809 ( b ) statutory requirement to validate the debt, debts older than seven years are inoperative by positive state and federal law ( e.g. debt older than seven years and must be removed pursuant to the Fair Credit Reporting Act ; Maine & Massachusetts statute of limitations bar attempts to collect debts older than six years ).
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: FISERV INC. (CA)

Money Network card expired in XX/XX/2021, checked to find existing balance. online checked and found the following transaction - XXXX XX/XX/2021 ( {$81.00} ) Close Account XXXX XXXX. called XX/XX/2021 to get the replace card but explained that funds were returned to the purchaser, which is my employer. contacted the employer, gotten informed that funds never get to returned back to the purchaser.
Consumer complaint received 2017-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARC Services (IN)

XXXX Cell Phone  $XXXX collection company is ARC and I have never had a contract phone in my life! I have always been with XXXX XXXX and I believe that this is identy theft.  I have had problems in the past with this.  I am not sure of the exact dates I believe the XXXX XXXX said it was in. 2013. I would like this to be taken care of.
Consumer complaint received 2017-12-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Experian Information Solutions Inc. (OR)

{$24.00} XXXX been charge to my credit card for 1 year, I finally asked my bank about it and they said Experian has been doing this forever and then some. I never signed up for any service and they keep taking money. I have tried numerous times contact them on the phone, but they do not answer. 

I figure I already lost the money, but I want the Experian company to be put on notice that they are fraudulently charging money to consumers.
Consumer complaint received 2024-02-28
Product: Credit reporting 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. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (KS)

XXXX XXXX XXXX was closed and transferred to collections on XX/XX/XXXX. On XX/XX/XXXX I completed loan rehabilitation and the record of default was ordered deleted and my loans were returned to Great Lakes XXXX services. Ive been making payments monthly since that time. My current XXXX XXXX being serviced by Great Lakes XXXX services is XXXX. In a previous complaint to CFPB, Great Lakes XXXX services stated that once a loan is closed and transferred they can no longer make any reporting changes or modifications to payment history on that loan and therefore could not offer remedy for loan XXXX. On XX/XX/XXXX Great Lakes XXXX services reported a late payment of 120 days past due for the month of XX/XX/XXXX on XXXX XXXX XXXX. This is not only a contradiction to earlier claims that they can not change payment history once a loan is transferred but a blatant violation of my rights under FCRA. The rules do not allow reporting of additional late payments on accounts that are settled. Ive attached a copy of my XXXX  credit report dated XX/XX/XXXX that shows the late payment reported bu Great Lakes XXXX services and has caused a significant decrease in my credit score. I want this fix immediately or I will be forced to pursue other avenues for relief.
Consumer complaint received 2020-10-09
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

Spoke to representative- explained debt was not mine - offered to resolve the debt- representative would not listen, made multiple attempts to call- representative stated that would not remove resolve debt and would file law suit. Credit collection agency is not the original creditor- and un able to provide any proof of debt- signed contract. Debt is reported multiple times on my credit report by the same creditor.
Consumer complaint received 2017-12-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (GA)

I tried verifying a debt with Hunter Warfield Inc. Which is {$3200.00} and they temporarily deleted the debt from my Credit Report on all 3 Credit Bureau 's. Then without atleast a 5 day notice they put the Account back on my Credit Report which by law they have to give me a Five Day Notice.
Consumer complaint received 2017-12-09
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kramer & Frank, P.C. (MO)

My complaint does not fit the options, so I chose the closest and will explain below. 

Last year, I had private student loans that I mistakenly thought were consolidated with my federal student loans. As a result, I was not making payments on three private student loans and they were sold to Kramer & Frank. I set up a payment agreement with them, which took automatic payments out for three months and then stopped. Since the first three payments were automatic, I did not notice that they had stopped after that. Kramer & Frank then garnished my bank account. I placed several calls to my Kramer & Frank account representative, XXXX XXXX, in XX/XX/XXXX and XX/XX/XXXX ( and left several messages ) with no response. Finally, I obtained an attorney. He was able to call XXXX and get me set up on a payment plan in a matter of days. I have been on this payment plan for all three accounts since XX/XX/XXXX. I have to make these payments in person every month, because Kramer & Frank will not allow me online access. When I try to call in and make a payment over the phone, they have my cell phone automatically flagged to go straight to XXXX XXXX 's voicemail, which he never returns. Needless to say, I have been making payments on these three individual accounts in person since last year. When I went to their office on XX/XX/XXXX, and was informed that once of the accounts had been closed on XX/XX/XXXX and recalled by the original lender, XXXX XXXX XXXX. I had not been notified previously that this was happening. They would not accept my payment. When I asked for a contact number for XXXX XXXX XXXX so that I could figure out how to make a payment, the woman at the counter gave me a phone number, and said that it might not be a good number, but to try anyway. She also said that she did not know anything whatsoever as to why my account had been closed, or what I was supposed to do about it. After leaving, I called the number that she gave me ( XXXX ). This company appears to be another collection service that sometimes represents XXXX XXXX XXXX. I gave them all of my information, and they said that all three of my private loans were still with Kramer & Frank, and they have received no communication from Kramer & Frank about getting the loans back. I asked them what I should do, and they said to call Kramer & Frank, who then told me to call the other company back. As a consumer just trying to make a payment, I am incredibly disappointed with the lack of communication that I have received from Kramer & Frank, as well as the lack of interest in helping me. I am aware that it is my responsibility to make payments, however I have not been given any reasonable way of doing so, and I am sure Kramer & Frank are reporting me as not paying.
Consumer complaint received 2017-12-09
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. (LA)

These 6 inquiries on my equifax report was removed then reinsterted back without giving me a 5 day notice which is a violation I have reached out to Equifax several times, issue still unresolved.
Consumer complaint received 2017-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

In 2010 I was a victim of identity fraud by an estranged spouse, now ex-spouse. I was a victim of domestic violence. I filed a police report and filed a request with the three Credit Bureaus to have a lifetime Security Freeze placed in my credit files. In the last 90 days I have had need to have an Experian report pulled to obtain housing and, most recently, to obtain employment. When the inquiry was made to obtain housing I was contacted by the landlord and told I needed to have Experian lift the freeze temporarily to get approval. I called Experian to make the request but was told that I would be charged to lift the " free lifetime '' freeze. I escalated my request but was told by offshore people that unless I paid the fee my freeze would not be lifted. To move forward with my housing application I had no other option but pay the extortion. This week I was offered a job. Today I received a call from the employer saying that I needed to have the freeze lifted by Experian to complete my background check. I now face having to pay the same extortion to Experian so that I can obtain employment. How can Experian extort money from those who were given a " free '' freeze because of circumstances dictated by law? This should be illegal and it is immoral. Please help me and many others facing this same scenario by making Experian comply with the free lift based on the laws.
Consumer complaint received 2020-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (MA)

On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.
Consumer complaint received 2020-10-09
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. (CA)

There is a XXXX XXXX XXXXXXXX, XXXX. / XXXX account reporting on Equifax that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with XXXX XXXX and Equifax and they have failed to remove it from my credit report.
Consumer complaint received 2020-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I had a customer on Paypal and he paid me on Paypal then I shipped him his item. 
After that he opened a " not as described '' dispute on XX/XX/2020 Case ID XXXX and {$5400.00}. 
after a long story we ( buyer and me ) came to an agreement. 

Buyer called his financial institution ( XXXX  XXXX ) and closed the case my favor ( seller favor ), So in order to make sure that he is telling the truth I called to XXXX  XXXX myself and they told me the case has been closed in my favor and Paypal has been notified since XX/XX/XXXX. today is XX/XX/2020 I contacted paypal so many times and they say they have not gotten any update. 

I'm sure paypal isn't honest with me and it's keeping my money illegally
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ZIONS BANCORPORATION (TX)

There are 8 inquiries on my report from XX/XX/XXXX to XX/XX/XXXX that are i am not familiar with. I havent opened or tried to open a credit card since my XXXX back in XXXX  XXXX there are many inqs that need to be investigated for fraud. i have tried to contact these companies before to no avail.
Consumer complaint received 2017-11-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION (MD)

I got a bill from XXXX XXXX XXXX stating that I owe a {$56.00} for a visit that I took my daughter to. My husband is in the military so we have tricare and I have been to this hospital several times before but never had any issues now all of a sudden this is showing on my credit report as a collection. I am not even the policy holder my husband is. I tried to talked to XXXX XXXX XXXX about this and they told me that they ca n't do anything until they talked with the insurance company but is n't that what they are suppose to do before they put this on my credit report.
Consumer complaint received 2020-05-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Collection Professionals, Inc. (MT)

I called them for a 9 year old debt that will be 10 years old this XXXX and they said I need to pay the balance which included attorney fees and {$100.00} more than what's listed summons in order to withdraw the summons which now the XXXX hasn't more than doubled the orginally fee. This is a debt for a part of a class fee for a college course I withdrew from one day after it started and the textbook the college book store refused to take back almost 10 years ago.
Consumer complaint received 2020-07-13
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

We had the opportunity to open a Capital One Spark Business Credit Card when we launched our business, given a {$500.00} credit line in 2017, we've never been late and have always paid on time. Every time I request a credit line increase we got denied for silly reasons like " Monthly Payment Too Low '' however with a small credit line we can't spend much and pay off the balance. We would charge small amounts to not affect the cards utilization rate. 

Now nearly 3 years later, I was approved for a credit line increase for only {$100.00}!! That's sad and disappointing, we make nearly {$200000.00} in business revenue and spend over {$50000.00} on supplies every year. We can't charge ANYTHING to that card because of it's low limit! 

Capital One sees our personal credit is great along with business credit, if they don't have access to our DUNS number I can provide it.
Consumer complaint received 2022-09-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

hello paypal, please help me with my issue. issue happend between ( XX/XX/XXXX to XX/XX/XXXX of 2022 ) I am report Unautorized access to my account XXXX. 
All my information has been chaged, CHAGES MADE INTO ACCOUNT WAS UNAUTORIZED FINANCIAL INFORMATION WAS DELETE!!! 
NEW FINANCIAL INFORMATION WAS ADDED! 
ADDRESS WAS CHANGE. 
PHONE NUMBER WAS ADDED LOGIN FROM MULTIPLE LOCATION ( VPN ) i called paypal and custumer services told me that account was hacked using a vpn network for hack my account and now my accout has been permanet limited. 
the hack stole XXXX dollar to the XXXX  card, i said i did not made any withdraw. 

So, now she told me she cant help me. 



my account was perfect on first 6 months and now hack stole my money and made my account limited PLEASE I NEED HELP TO RESTORE MY ACCOUNT FOR fix the problem. 


I dont have access to my account XXXX XXXX
Consumer complaint received 2016-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (NY)

I took out a loan with XXXX XXXX in 2009 and have not received my MPN yet. I asked for it monthly for a while, and have maybe made 100 requests over the last seven years. Sometimes I 'm told by the person on the phone they see no such request. Sometimes I 'm told they do n't know why it was not sent. Sometimes I 'm told it was sent and I ask them to confirm my address and I 'm told there is no way of doing that.