davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

Ever since I became unemployed due to covid-19, I have notified Citibank ( 2 accounts ) of my employment status. Each month I keep them abreast of my status. On XX/XX/2020 I received a letter stating Citibank would work with me however that's not what's been happening. On XX/XX/XXXX, I spoke with XXXX regarding deferring my account payment due to covid-19. The company wants to be notified monthly for deferment. Yesterday Monday XX/XX/XXXX, I received notification from the credit monitoring company ( XXXX XXXX ) Citibank is still reporting my account delinquent even during deferment. Citibank has done this several times in the past.  Today, XX/XX/2020 I called Citibank regarding reporting my account for delinquency during deferment. I wanted to see what can do to reduce my payment of the two accounts by consolidating the accounts into one payment and see what I can contribute to help  bring down my balance. While talking to a representative name XXXX I asked to speak with a supervisor. After 10 minutes waiting on hold, she hung up on me. Every time Citibank does this it destroys my credit score. I am a single mother barely making t with XXXX children and XXXX XXXX from this situation. I need Citibank to help me during these stressful time and not make my situation worse than it already is.
Consumer complaint received 2020-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

Dear Sir or Mam ; LoanCare LLC/XXXX XXXX took over my mortgage in the fall of XXXX, they have failed to process my payments as expected. The only unique factor in my case is that I have my mortgage paid ahead by 3 months. Under my previous loan processor, XXXX XXXX, this was never an issue. I have to call or write nearly each an every month to have my payment applied correctly. 
I have written multiple letters to the company management and they have failed to correct the processing. 

02/02-Letter to XXXX XXXX - President CEO XXXX XXXX XXXXReply from Corporate Council - XXXX XXXX XXXX. -Said that LoanCare LLC handles all the Mortgage Contracts. Instructed LoanCare LLC to provide a Substantive Response. 
XX/XX/XXXX Letter to XXXX XXXX due to No Response being received within 30 days of the letter from the Corporate Council. 
XX/XX/XXXX Reply - Canned - Notice of Error Acknowledgement. 
XX/XX/XXXX Reply from XXXX XXXX That LoanCare Doesn't Receive instructions from my financial institution. 
XX/XX/XXXX Called my financial Institution<XXXX> - since this is an electronic AFT? transfer its not possible to include instructions. Note I used this same financial institution with my previous loan services with no issues. 
XX/XX/XXXX Letter to XXXX XXXX again regarding same issue. 
XX/XX/XXXX Reply from XXXX XXXX my only options is to Call in /write each month. 
XX/XX/XXXX Payment Mis applied Again XX/XX/XXXX Called customer contact number. Said they would call back. 
XX/XX/XXXX Initiated a customer correction through their online portal to have the payment applied. 
XX/XX/XXXX XXXX payment appears to be applied correctly. 
XX/XX/XXXX correction made to XXXX payment XX/XX/XXXX XXXX made changes to the loan care bill pay - the payee name is now - Loan Care, LLC -  Monthly Payment and a 2nd bill payee called LoanCare Principal Payment only. 
XX/XX/XXXX XXXX Payment misapplied. 

Loan Care has continually failed to process my payments, I will not use their automatic payment feature. 
I have worked with my bank though the bill pay to re name the Payees to indicate - Payment and Principle Payments. 
I pay my mortgage in advance because that is how I want to do it. 
Attached are the corresponsdance.
Consumer complaint received 2020-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (VA)

Fay Servicing , LLC in XXXX bought my mortgage from XXXX XXXX XXXX and did a 3 month trial period I think that s what they called it. I sent in all the paperwork required and and the end of XXXX, they said that the man who owns my mortgage did not want to give me the 90 day break in payments they led me to believe I would be getting. Now I am 2 months behind. I am almost age XXXX, have been living here for 30 1/2 years and only will be able to live in my 14 year old XXXX. I had a double by pass 6 years and have only Social Security income. I have been told your organization have dealt with this outfit in 2017. I need help and soon. Please contact me. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX, they said they were going t
Consumer complaint received 2020-09-08
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 — Problem with personal statement of dispute
Company: Consumer Portfolio Services, Inc. (IL)

I have a car loan with consumer portfolio, and have made over 55 payments and due to the virus. My payment was do on XXXX XXXX I made it on XX/XX/XXXX because I was just getting back to work, I work at a XXXX XXXX which that position is only a 9 month position.My credit score was XXXX and they reported to the credit company 's that is was late and they drop my score from XXXX to XXXX. I do not think that this is fair. What can i do about this. 
Thanks
Consumer complaint received 2020-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

XX/XX/152020 : unauthorized charges on credit card from XXXX {$49.00}, $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX ( TOTAL charges {$7800.00} ). 
My wife and I called our bank USAA on XX/XX/XXXX disputing the charges as fraud and cancelling the credit card from further use. My XXXX, XXXX XXXX, XXXX, XXXX, and XXXX accounts were all hacked. The XXXX XXXX, XXXX, and XXXX accounts were unrecoverable. 

USAA sends information to fraud  team and takes the money off of our credit card account. 

XX/XX/XXXX, fraud  team says the charges were valid and puts the money back on the card. 

Myself, wife, and mother, the three members on the card have repeatedly called USAA disputing the fraud  teams claim from XXXX XXXX XXXX USAA claims they can not talk to the fraud team that made the decision but could message them to call us. This was done at least 5 times. 
The fraud team never contacted us. 

USAA finally provided us with a contact at the fraud  team. We have left at least 5 voicemails to contact us back because they never answered the phone. 

We have been trying to reach out to XXXX as well. Due to the accounts being hacked XXXX would not discuss information about the transactions or the account. 

I have reached out to a lawyer to help dispute this claim. We feel vulnerable and extremely unsatisfied with USAA on this.
Consumer complaint received 2020-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

unauthorized online purchase was made resulting in a charged amount of {$960.00}. The online company was contacted and fraud was reported and online order and account/membership was canceled by the company. The credit card company was also notified of the fraud transaction and a new credit card was issued. one month later, there was a charge back by the credit card company, per credit card company, during their investigation they concluded that I personally made that online transaction and I benefited from that transaction. The credit card company was contacted once again, and I was told that they will review their decision and contact me if more information is needed for their investigation. I am still waiting for them to contact me regarding this issue.
Consumer complaint received 2020-09-08
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. (FL)

I am a victim of identity theft. For the past 12 months, I have sent multiple letters to the 3 credit bureaus ( Experian, XXXX, XXXX ) with no luck. 

As of XX/XX/XXXX, My credit report shows inaccurate information. 

My SS, driver license information was illegally used to open multiple unauthorized accounts under my name. 

My bank ATM/Debit card was cloned/stolen and was used for unauthorized transactions on multiple occasions. 

For this reason, I was forced to change my cell phone number, close all my bank accounts, notify the IRS, all credit bureaus, and notify the respective authorities. 

I did not authorize any transactions on rafter this date, and I did not authorize anyone else to use my ATM/Debit card in any way. 

I am notifying you, according to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost or cloned/stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. 

I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : List of unauthorized transactions. 
I am attaching a copy of each of the following documents to this letter : 1. A copy of my Identity Theft Report which includes : my FTC Identity Theft Report IRS Notice CP01 Police Case/Report I am requesting that you remove this information from my credit report. 

Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests. 

As applicable please send me written confirmation that you removed this information from my credit report. 

Account Number : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Current Creditor : XXXX XXXX XXXX Balance : {$0.00} Account Number : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX   Merchant : XXXX Original Creditor : XXXX Current Creditor : XXXX XXXX XXXX, XXXX Balance : {$0.00} Account Number Ending In XXXX File ID:XXXX Creditor : XXXX XXXX   Current Creditor : XXXX XXXX XXXX, XXXX. 
Balance : {$0.00} Account Number : XXXX Original Creditor : XXXX XXXX XXXX Current Creditor : ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Status Transferred, closed. 
Status Updated XX/XX/XXXX Balance : {$0.00} Thank you for your help.
Consumer complaint received 2020-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (FL)

TODAYS DATE:XX/XX/XXXXATTENTION DISPUTE DEPARTMENT CAPIO PARTNERS LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAPIO PARTNERS LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in  the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX CT, XXXX XXXX, FL XXXX
Consumer complaint received 2020-11-14
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. (NC)

I have the XXXX report showing that the Chapter XXXX has been removed from due to inaccuracies. I have already disputed this several times ; however NONE of the bureaus have actually taken the time to reach out and do a full investigation with XXXX. I requested that XXXX send me a complete report XXXX attached ) which will show that the Chapter XXXX is no longer on the report. It needs to be removed from each credit file immediately. As this is my 4th time doing this. Also, I have attached from each bureau the Information for XXXXExperian Consumers form that is on each dispute completion that clearly states that XXXX provides public record information to credit bureaus. The entire report is XXXX pages ; please read thoroughly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (AR)

On XX/XX/2021 XXXX sent a loan payoff check to the address given to me by BBVA. The BBVA representative apparently gave me a PNC address ( which they are currently completing a merger ). The check went to a PNC location, XXXX XXXX XXXX, XXXX, PA XXXX and was signed by an XXXX XXXX. XXXX is saying that PNC cashed the check. The payment was never applied to my BBVA account. BBVA opened two investigations ( Ticket # XXXX and Tracking XXXX ) and can not find the check, which I've sent them a copy of with information about it being cashed. PNC says they have no record of my check and can't access my account because they haven't completed a system merge. I can not get in contact with the PNC location that the check physically went to. I recently spoke with PNC and they said it's possible the check was 'written but not issued '. XXXX can't perform a stop payment and reissue the check to BBVA because PNC has cashed this check. It's seems that {$23000.00} is in limbo and I'm stuck with paying two loans at the same time or risk my credit score suffering.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXXXXXX This account is not only incomplete, it's inaccurate. 

Why are there so many missing fields of information? Did XXXX XXXX not supply that information to you? 
Why isn't Trans Union isn't reporting any payment history at all? 
How can I be on time in XXXXXXXX of XXXX with XXXX but 30 days late with XXXX? 
How can I be 30 days late with XXXX and 60 days late with XXXX in XXXX of XXXX 
How can I be 60 days late with XXXX and 90 days late with XXXX in XXXX of XXXX 
How can I be 90 days late with XXXX and 120 days late with XXXX in XXXX of XXXX 
Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting. 
This has caused me to suffer and its defamation of my character.
Consumer complaint received 2022-05-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights I have a right to privacy these debts should not be on my private report according to 15 U.S.C section 602 A. States I have the right to privacy I did not give consent according to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions No other adverse items of information should be on my report other than records of convictions of crimes according to 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2021-05-11
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (GA)

Hello, to whom it may concern this is a case for Mortgage fraud, between the companies listed below : CALIBER HOME LOANS XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX ) XXXX Ending Balance should have been : XXXX on XX/XX/XXXX when balanced was closed and transferred. 

Two loans have come after this when transferred, which goes up in the closing balance. Adding years to the mortgage payment. 

The loan went from being close to XXXX, which is fraud. 

XXXX dollars is unaccounted for from : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ) XXXX The loan was transferred again on XX/XX/XXXX at XXXX to the company below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ) XXXX Between these two mortgage companies about there is some type of fraud.
Consumer complaint received 2020-09-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP (OH)

I had ( 3 ) bank accounts with Key Bank ; ( 2 ) Key Gold Money Market Accounts and ( 1 ) Key Privilege Checking Account which were established by a " Financial Wellness Consultant '' under the supervision of the Personal Banker Manager at the XXXX XXXX Branch ; for the expressed purpose of creating a " Key bank Relationship '' among these accounts which directly and contractually qualified for a special " Relationship '' interest rate. 

When I attempted to cash a check, the branch refused due to the implementation of an " additional identification measures '' internal to just this Bank and not mandated by the Federal Government or any entity thereof. Their system failed at no fault of mine ( they admit so in a letter dated XX/XX/2020 from a XXXX XXXX XXXX Client Relations ) and despite their admission, offered only an apology for the inconvenience and the assurance that the branch will be dealt with. 

Nonetheless, I closed all ( 3 ) accounts in accordance to the terms of the agreement and stated that I would never ever do business with Key bank again.

Upon closing, rather than receiving the " promotional rate '' from the last statement thru the closing, the bank instead paid interest at the non relationship rate ; in affect, shorting me nearly 1 full month of interest by nearly 1 % ; which in today 's low interest environment, is a huge discrepancy. All is ask is that this bank lives up to its own  regulations and contractual obligations by paying what it owes instead of requiring me to continue to fight, fight, fight for the dollars rightfully mine.
Consumer complaint received 2020-09-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

Amerisave Mortgage took an application fee of {$500.00} saying that the could refinance my mortgage@ 2.5 % know what the income was prior to taking the {$500.00} application fee. Mortgage broker stated the underwriter was rejecting the application due to not enough income. I stated that my wife 's income could also be used.. broker asked what was her credit score. To this date I have not received anything stating from Amerisave or the underwriter why the loan application was denied.
Consumer complaint received 2021-07-21
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: LEXISNEXIS (LA)

I have contacted lexis nexis several times about the Bankruptcy that appears on my credit report which some company use my information to filed bankruptcy in my name that can't be vertified by the court or creditors. Also XXXX, XXXX was order by the court to dispute or deleted these items off my credit report.
Consumer complaint received 2020-09-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (KS)

XXXX I have already filed the above complaint but do not see a way to add to that so I'm responding in this manner. 
I received a statement for my mortgage due on XX/XX/20 and now it shows I owe for XX/XX/20-XX/XX/20 even though I've paid XXXX, XXXX and this morning XXXX balances. I was in covid relief for XXXX and as stated have paid the above months. 
I called this morning to speak to XXXX XXXX who was supposedly my new agent only to be told it's been reassigned to XXXX XXXX!! This is the 10th person I've been assigned too and I've very frustrated. 
XXXX kept bringing up my bankruptcy but I do not pay my mortgage through the court trustee but instead pay them directly and they should know this! Now he's saying any moves they make has to be approved by the court but that's simply not true. They put me in Covid without the courts approval so why do they need it to fix my account? 
I was told in XXXX that FHA had approved moving any money not paid during the 3 month relief to be moved to the back end of my loan, yet they seemed to be incapable of doing this. 
I've been working for 5 months to get this cleared up and to date it's still a mess. They acknowledge receipt of my complaint but act like they know nothing and have to start anew even though they've supposedly been working on this since XXXX!! 
I feel they are flipping me place to place and not really working to resolve my issue. I also changed Mortgage insurance companies and now I have a {$1100.00} check from the old company I've scared to death to pay to escrow because they can't get what's going on correct let alone guarantee the payment is applied correctly, to escrow.