davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (CA)

On XX/XX/2020, I agreed to be placed under a forbearance. Under the agreement due to COVID-19, I was informed that I would not accrue additional fees or penalties. It not only seems as if I have accrued these fees but the fees Im being charged are to confirm I still live in the home. Even though I agreed to a forbearance I have paid two -thirds of my mortgage since XX/XX/2020 in hopes of limiting the amount due at the end of the year. As of this email I owe the bank a little over {$5400.00}. I have a statement from them showing I owe them {$9000.00}. Over the phone they say all the right things but they dont send me an adjusted mortgage statement. They only have offices in New York or Maryland and not California where I live. I need help!
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NY)

1. On XXXX XXXX I filed application to refinance my current 30 year mortgage with Citibank 2. On XX/XX/2020 I received " welcome '' package with schedule of closing costs. 
3. On XX/XX/2020 I was charged {$720.00} ( application, appraisal and several other fees ). 
4. My property was promptly appraised and report rendered in early XX/XX/2020. 
5. I received commitment letter from Citibank on XXXX XXXX ( Attached ) 6. Since that time, on several occasions, I was told that my loan is ready to be closed " in the next few weeks ''. ( attaching emails from Citibank reps ) However, as of today, Citibank failed to close my mortgage and provide any reasonable explanation for such extensive delay. All these months I've been dutifully and promptly responding to Citi 's reps requests to provide my latest pay stub information in order to " keep my file updated ''. It is becoming more difficult to reach bank reps to obtain current status of my mortgage application and receive any reasonable date when my loan could be closed. My phone calls and emails are simply getting ignored. 

I firmly believe Citibank failed to made an appropriate effort to provide me with financial services they charged me more then 8 month ago and, thus, are involved in deceptive practices. They should have been forthcoming they do not have enough resources to process my application and I would look into other lenders.
Consumer complaint received 2021-03-30
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: EQUIFAX, INC. (CT)

I contacted all three of the credit bureau, XXXX, Equifax and XXXX. I ask that they provided me with all the accounts that had errors that I listed in the letter. I was requesting that they provided me with how each account was verified and that steps that we're taking to verify each account. I sent these letters out over 30 days ago and still have not received anything back. I don't feel liable for the debt that my credit report is saying that I owed and I am requesting answers.
Consumer complaint received 2021-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MO)

I submitted PSLF certifications to FedLoan Servicing for previous years of employment with two organizations. Note, both organizations had been previously approved for PSLF eligibility. I just wanted to fill in the gaps to reflect my qualifying payments. I submitted the forms on XX/XX/21 for both organizations, unfortunately I used a electronic signature ( my fault ). On XX/XX/21 I received letters stating there were errors on my applications. I contacted FedLoan to see how I could correct the issue. I was told I needed to write a note with my signature and submit it. I did on XX/XX/21. However, afterwards, I got a feeling those directions were incorrect. I was finally able to speak with a specialist who said that a handwritten note is not acceptable and " FedLoan employees need to stop telling people to do that ''. I made the corrections ( signature ) and resubmitted the certification forms on XX/XX/21. In addition, the letters I received said that my previous and current employers needed to contact FedLoan for further verification. HR representations from both organizations called, and each told me that FedLoan really didn't understand why they were calling and I am the one that needs to take action. So, their time was wasted ( not happy ). Time went by and I reached out to Fedloan since I didn't hear anything. I was told the applications were still under review and needed additional time to process. The next month I reached out and I found out one of the applications was NEVER forwarded for review. I made sure that application process was initiated. For the other application, I was told employer eligibility was under review and needed time to process. Thankfully, the certification for qualifying payments with the previous employer was approved. I reached back out again to check on my current employers application to find out I am supposed to use a PSLF Help Tool? So I go to studentaid.gov and use the Help Tool and it generates a form to submit ... THE SAME FORM I SUBMITED IN XXXX! In addition, with the pandemic and loans being in forbearance.. My loans for some reason are not reflecting qualified payments even though I was in the appropriate repayment plan, working full-time with a qualified employer, and had XXXXXXXX XXXX. I am extremely frustrated with FedLoan Servicing!! I have been given incorrect information on numerous occasions, an application 's review wasn't initiated properly, and for some reason there are issues with my current employer, who had been previously approved? Why FedLoan? Why does this have to be so difficult. Finally.. why does studentaid.gov say I need to resubmit information for my repayment plan, but was never notified by FedLoan?
Consumer complaint received 2021-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (IL)

I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX : ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. JPMorgan Chase & Co. violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8
Consumer complaint received 2021-03-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ALLY FINANCIAL INC. (CA)

I was sued by Ally Bank in XXXX, Indiana. They forum shopped knowing that I was not a resident of Indiana. I have lived in XXXX  and XXXX  for almost a decade. The auto loan they are attempting to garnishing wages for originated in XXXX XXXX, XXXX. I am a resident of XXXX XXXX, XXXX  and work for XXXX in XXXX XXXX, XXXX. 

The address they used in XXXX  is my parents address. My parents told the officer serving the papers that I do not live in XXXX. 

I was never served court paperwork or contacted at the XXXX or XXXX  addresses that Ally Bank has on file. This is obviously because the law would be less favorable to them in these states. 

To make matters worse, Ally Bank was already notified by the three credit bureaus and the FTC that this loan was the result of identity theft. 

Im now being order to appear in court in Indiana for a wage garnishment hearing and can not afford to travel there. I know they have violated the FDCPA and many other laws but I cant afford a lawyer and am shocked that it is somehow my responsibility to make sure this unscrupulous bank follows the law.
Consumer complaint received 2021-03-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: INDEPENDENT BANK CORP. (MA)

I tried to receive a PPP loan from Rockland Trust. This is the second draw loan for my business which has been shut down since XXXX of XXXX due to Covid-19. I originally applied for a second draw PPP loan in XXXX once Rockland Trust began accepting requests. I am a sole prop seasonal business under the SBA guidelines released. I was approved for a second draw PPP loan on XX/XX/XXXX. Around this same time the Biden administration released updated guidance for sole props allowing them to use gross income instead of net income to calculate their loan amount. This change would significantly increase my loan amount. My loan officer, XXXX XXXX and I made the decision to not continue with the second draw and instead apply under the new guidelines resulting in a loan amount around {$23000.00} vs {$8500.00}. Once guidance was released to banks, I submitted a second draw loan application immediately. The only change I made from the initial second draw application was using gross income instead of net income to determine the loan amount. In this application I used the sole prop seasonal business calculation worksheet provided by Rockland Trust. After many weeks of back and forth since most reviewers and loan officers at Rockland Trust do not understand the SBA guidelines, I was denied for my loan today stating that sole props can not be considered seasonal businesses. Rockland Trust had already approved my business for two loans under the seasonal business calculation. They have also dragged their feet up to the deadline ( XX/XX/XXXX ) to process these applications. I am now being denied my loan unless I consider my seasonal business non seasonal. Rockland Trust is making up new rules on the final day of the loan eligibility deadline in order to refuse service. I have business accounts with Rockland Trust and have had nothing but issues with Rockland Trust and the PPP loan process since early XXXX.
Consumer complaint received 2021-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

on XX/XX/2020 our shop was closed on Quarantine by the NY Governor order. 
I could not pay my home mortgage and contacted Mr. Cooper Motrgage company to pause my payments until we would be allowed to go back to work.

I missed 4 payments total of {$3900.00}, and as soon as we start working I renewed my payments. After I discovered that Mr. Cooper adds {$3900.00} to my principal as a penalty, Mr. Cooper said that they made some kind of forbearance program, that allows them to charge me an extra monthly payment amount of {$990.00} x 4= {$3900.00} and add it to my principle. I think it should be illegal to penalize people 100 % of the monthly payment. 
I never agreed to that, I never signed any documents and I think it should be removed from my account.
Consumer complaint received 2020-11-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CO)

Navient continues to harass me on a daily basis by email, phone and mail. This has gone on without interruption for THREE YEARS. 

1. They send threatening letters to my home address on a weekly/daily basis.

2. They call my phone number and leave threatening voice mail messages several times a day from different phone numbers.

3. They send threatening email messages to me on a weekly/daily basis. 

This must stop. 

I have had {$0.00} income for over one year and there is no possibility that I can make any payments at all to Navient.
Consumer complaint received 2021-03-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

I was in process of refinancing my mortgage with Loan Depot which started XX/XX/2020. 

Within a month, I did not hear back from Loan Depot on the status of my loan. I got a document which I am attaching illustrating that my rate was locked and my loan application was in underwriting and close to completion. 

I did hear anything back for one month and I was informed that my loan officer was on leave and my application was not transferred properly. Hence my rate expired which caused my rate to 2.5 % to disappear. The rates have now increased. 

Given that I provided all the paperwork in a timely matter and an existing customer for another home, I would like my terms of 2.5 % at 30 year to be honored as per my signed agreement. ( attaching for reference )
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I XXXX XXXX XXXX entered a consumer credit transaction with XXXX XXXX Bank on XX/XX/2017, due to this being a consumer credit transaction a finance charge was involved, 15 US code 1605 the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. So there shouldn't be any late payments due this being a finance charge because it was the SUM OF ALL CHARGES paid indirectly by my credit card.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint Against : TransUnion XXXX XXXX XXXX XXXX, Illinois XXXX Complaint ID ( previous CFPB complaint ) : XXXX Certified Mail Tracking No. : XXXX I am filing a formal complaint against TransUnion for failure to correct inaccurate and damaging information on my credit report, which has significantly impacted my financial standing, housing, and mental health. Despite multiple disputes and a pre-arbitration demand, TransUnion has failed to provide adequate verification or evidence supporting the accuracy of the disputed items. 

The following accounts have not been addressed directly or corrected : XXXX XXXX ( Account Number : XXXX ) Incorrect balance and inconsistent payment history. 
XXXX ( Account Number : XXXX ) Discrepancies in balance and payment status, resulting in a negative credit balance. 
XXXX XXXX XXXX ( Account Number : XXXX ) Collection account with inaccuracies in the date of the last payment and balance. 
XXXX XXXX XXXX XXXX ( Account Number : XXXX XXXX ) Reported as a charge-off while currently in litigation under case number XXXX. 

Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), TransUnion is required to ensure the maximum possible accuracy of the information it reports. However, TransUnions verification of these disputed accounts lacks substantial evidence and fails to address the specific inaccuracies I highlighted. The verification response from TransUnion was vague and did not include any documentary proof from the creditors. 

These inaccuracies have caused substantial harm to my financial and personal well-being, including : Denial of credit opportunities critical to securing a larger home and vehicle for my family, mental health issues exacerbated by the ongoing stress of financial instability and credit denials, and financial hardship due to higher interest rates and unfavorable credit terms.
Consumer complaint received 2021-03-30
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)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2021-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (AZ)

I am a victim of identity theft. The tradeline, which appears on my credit report from XXXX XXXX XXXX/SYNCHRONY BANK last reported on XXXX XXXX in the amount of {$1900.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both XXXX XXXX XXXX/SYNCHRONY BANK individually and have not received any reply back.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am formally disputing erroneous and inconsistent information on my credit report related to the XXXX XXXX and XXXX XXXX XXXX accounts. These accounts contain blatant errors that violate XXXX XXXX standards and constitute a failure to meet the requirements of the Fair Credit Reporting Act ( FCRA ) 1681s-2. The inaccuracies are damaging and legally indefensible, and I demand immediate correction or removal of these items. Failure to act within 30 days will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the initiation of legal proceedings for damages under 15 U.S.C. 1681n and 1681o. 
XXXX XXXX  - Account Ending in XXXX XXXX. Inconsistent Reporting Across Bureaus : This account displays incomplete reporting across XXXX, XXXX, and TransUnion. XXXX XXXX guidelines mandate that all data furnishers report complete and identical information. The lack of information in XXXX and XXXX significantly misrepresents this account. 
XXXX. Incorrect Late Payment Entry : TransUnion shows a 30-day late payment, which is unverified and lacks proper documentation across other bureaus. This discrepancy violates XXXX XXXX requirements for consistent reporting and the FCRAs accuracy mandate. 
XXXX. Erroneous High Balance Reporting : The high balance listed by TransUnion conflicts with missing data from XXXX and XXXX. This inconsistency inflates my credit utilization ratio and is a clear breach of XXXX XXXX guidelines for accurate balance reporting. 
XXXX. Failure to Report Essential Details : Crucial fields, such as account number, account type, and status, are either missing or inconsistently reported among the bureaus. This lack of complete data further distorts my credit profile and constitutes noncompliance with XXXX XXXX standard for full and accurate reporting. 
XXXX XXXX XXXX - Account Ending in XXXX XXXX. Irregular Reporting of Account Status : The status is listed inconsistently as " Open '' by each bureau, with differences in the reporting of account details, which directly violates XXXX XXXX standards requiring uniform account status across all reporting agencies. 
XXXX. Non-Uniform Payment Frequency and Mortgage Terms : The mortgage terms, including the monthly payment and payment frequency, are reported differently among the bureaus. XXXX XXXX standards require these fields to be consistent, as any deviation negatively impacts my credit evaluation. 
XXXX. Discrepancy in High Balance Information : The high balance figure varies across XXXX, XXXX, and TransUnion. XXXX XXXX compliance requires that high balance data be consistent to ensure that my debt load is evaluated accurately. 
XXXX. Inaccurate Last Payment and Last Activity Dates : The last activity and payment dates differ significantly between the bureaus. XXXX XXXX standards require these dates to be accurately and uniformly reported, and the current discrepancies represent a flagrant violation.
Consumer complaint received 2021-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

On XX/XX/XXXX, I received my first direct deposit, from my Texas XXXX XXXX, for Pandemic Unemployment Assistance. I had been receiving the money via XXXX XXXX  XXXX, since XX/XX/XXXX. I had to recertify after the bill was left unsigned on XX/XX/XXXX. So I have a legal right to receive the benefits. 

The VERY NEXT DAY, after receiving my money, on XX/XX/XXXX, Chime placed a hold on my account for suspicious activity, regarding my PUA. I gave them all if the necessary information regarding my new address, since I subsequently moved to California, since I couldn't work in XXXX due to Covid. I provided my XXXX XXXX from Texas XXXX XXXX, My State of CA XXXX, my Social Security Card, and proof of address, with a letter from the management company of the apartments I reside in. They then questioned me as to why was my spending for 2019 in XXXX, to which I explained my school and Apprenticeship. They keep running me in circles, neither accepting the documentation provided, or by closing my account and refunding what was left. I was then told by XXXX, XXXX, and XXXX, to resubmit the information on four different occasions. After talking to representatives and supervisors at the Chime Customer Call Center, and resending my information over and over again, they ubruptly ceased communication with me. I have been told that XXXX has policies in place for suspected fraud, and my account had raised red flags. However, they are now refusing to return my money, or reopen my account, that I have given all necessary proof to show that the funds deposited are legally mine.