davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (MI)

I saw my statement and it said that I had an interest rate until 2024 and I was confused. So I looked at my disclosures to see what that means and it says something about ARM. 
I was not aware that I had an adjustable rate mortgage. When looking closer the difference between the refinance of my original loan is {$20000.00} when my cash out was only {$2900.00}. 

I'm trying to account for where the money has gone and my closing disclosure has empty cost brackets. Half of the page is not printed. 

I also believe I only received one right to cancel disclosure. 

I feel I have been misled and taken advantage of.
Consumer complaint received 2019-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STATE FARM BANK, FSB (MS)

XX/XX/XXXX I lost my job. I managed to keep my payments on rime until my retirement funds ran out. I reached out to state farm bank to see if there was help for people in my situation. The bank told me they could help just complete the package they send in the mail and return it ASAP. I did that however they kept telling me I needed a self employment form. I tried telling them for months I had not used my XXXX  XXXX licenses  and zero money had been made for years. Yet still when I called to check on my status I always needed this form. Needless to say I fell behind during this time. I received my tax refund and paid everything in full. My neighbor decided to purchase my home. During this time I made contact with tax assessors office to inquire on tax amount and discovered my taxes had not been paid. I called State Farm and informed them they paid {$820.00} in XX/XX/XXXX which was not due because I closed on my home in XX/XX/XXXX and all taxes were paid. In XX/XX/XXXX they paid {$1200.00} to someone elses taxes. And in XX/XX/XXXX they paid XXXX two times! All out of my escrow account. After I spoke with a supervisor months trying to get it straight ( my nerves from my decade long job being ended and trying to make payments and get this tax situation straight took toll ) I received a check for {$1400.00}. I have tried over And over to tell these people their mistake but now they have increased my mortgage obligation. I was XXXX   short on a payment and they are holding my payment ( unapplied funds ) and constantly sending foreclosure notices. I filed bankruptcy to keep my home but now Im facing the same situation again only I cant even talk to anyone to resolve it. They either transfer me and never pick up or disconnect the call. I have my XX/XX/XXXX and XX/XX/XXXX payment but Im scared to pay it because I dont trust that the money will go where it is suppose to. I requested to close my escrow account due to the fact that State Farm bank still owes me money for there error however they Refuse. They charge me fees for appraisal value however I never get to see the appraisal because Im charged private mortgage insurance! My home is worth double of what I have financed however continue to charge pmi. I have sent emails. Made calls. Sent letters. Im at my wits end. Please help me. One more thing ... ..my due date was theXXXX, all of a sudden my due date changed to the XXXX. People budget how can they just change a due date that was agreed on from day one???? Its so bad I was XXXX accepted to work for State Farm. I declined due to the way they have been so underhanded. Their intentions I believe was never to help.
Consumer complaint received 2019-05-06
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: CITIBANK, N.A. (OK)

I received a letter dated In XX/XX/XXXX that due to a system error on their end i had an application denied for a secured credit card. The denial placed a Hard pull or Inquiry on my credit report dated for XX/XX/XXXX. I do have a secured card with Citibank which i applied and was approved on XX/XX/XXXX. I am asking the XX/XX/XXXX Inquiry to be removed due to no fault of my own. Thank you.
Consumer complaint received 2020-07-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC. (GA)

Exeter finance place a debt on my credit roper for roughly 10k and sold the account to XXXX XXXX while still trying to collect the debt under the original account holder which is Exeter. I settled the account with XXXX XXXX  whose in charge of the debt and had the account deleted once paid. Exeter than updated the account to a balance owed of XXXX when it was already sold to XXXX and handled in a timely matter
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. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

I have been trying to apply for a mortgage loan, and i have three accounts in collections that have a dispute remark saying consumer disputes this account information. These dispute remarks on my credit report is interfering with the mortgage loan process. I have called Equifax, XX/XX/XXXX and XX/XX/XXXX multiple different times about having these dispute remarks deleted from my credit report. They would tell me it is completed, and i would check my credit report, and they are removed. Then i would receive a notification saying that the dispute remarks are back on my credit report. This has been going on for the past four months. I would call the credit bureaus back and they would say the collection agencies are the one that keep reporting the dispute back onto my credit report. I have called and talked with the collections agencies and they say i am not in a dispute status on any of my accounts nor did they see they are still reporting a dispute remark. 

I started to call the credit bureaus XX/XX/2020 and I recently just called on XX/XX/2020. 

These are the three collection accounts : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Original Creditor : XXXX XX/XX/XXXXXXXX Balance : {$730.00} XXXX XXXX XXXX Original Creditor : XXXX XX/XX/XXXX XXXX Balance : {$690.00}
Consumer complaint received 2020-12-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: R.M. Galicia, Inc. (CA)

On XX/XX/2020 I received an alert on my phone from the My Fico app informing me that a collection has been added to my XXXX  and XXXX  account from Progressive Management Systems. I never got a phone call or documentation in the mail from this collection Agency. I mailed them a certified letter on XX/XX/2020 advising them that I never received a phone call or any documentation from them regarding this alleged debt. It has been well over 30 days and I still have not gotten a response from them. The debt was removed from my XXXX  credit report but the debt is still listed on my XXXX. The debt was paid to the original creditor and I was told by them that they could see that Progressive Management did in fact not attempt to notify me of this allege debt and that they would request them to remove this collection off my report because the debt has been paid in full. Progressive Management does not have the right to report allege debt without notifying the person they claim has this debt.
Consumer complaint received 2020-12-05
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NC)

When I was shopping on Sam 's Club, I had a total of {$87.00} in my cart and a box comes up on the screen and says that my balance would be {$32.00} by opening a Sam 's credit card with a {$55.00} credit. However, this " balance '' amount would not and could not ever be true. 

I called and told them that when I was approved for a credit card my total never changed at check out as shown on their site and ad to get one to sign up for their credit card. They said in 90 days I'd get this {$55.00} credit on my account. SO, in that 90 day period, I would of course receive and be billed and have to pay on my original balance. OR, If I pay in full, I still have not gotten the balance they stated would be on the purchase amount named above on the day I signed up for the credit card! At no time would my " balance due '' be {$32.00} as they plainly said! 

If I get a {$55.00} credit in 90 days, and I've paid my balance in full, that still makes their original claim false and totally misleading. I now have to make ANOTHER purchase to get this! I haven't gotten what they lure you in with their ad which they clearly state will be on the purchase in your cart that day. 

I ended up removing one item from my cart before finalizing my purchases but I already had been approved for this credit card, my credit score will now go down a few points from doing this and trusting this from them checking my credit, and the next victim is theirs for the taking. 

Customer service didn't deny this! But they purposely run this ad on their site and it is totally false. The day you place an order and they pop this box up to say you could have a new amount due, is not true.
Consumer complaint received 2019-05-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

To Whom It May Concern Ever since Chase Bank took over this loan. Chase been tried so hurt to still the property from. I got this loan in XXXX, the loan is adjustable, after 10 years the loan was suppose to turn in to fix rate. But Chase Bank always refused. cording this loan only interest suppose to be lower them fix. Chase Bank is been increase the rate three times per year with out notify me. 
my payment back on XXXX Was {$1000.00}. But I always pay {$1400.00} every single, for the month, on XXXX I ' only paid {$1000.00} for the first time, my payment is due on the XXXX of each Month with the grace period of 15 day ; s. I made my payment on XX/XX/XXXX what ever was on the statement, since XX/XX/XXXX the Bank was ask me to paid {$2400.00} I pay {$1400.00}. XXXX thy ask for {$2300.00} XXXX {$1900.00}. XX/XX/XXXX {$1800.00} XX/XX/XXXX another {$2400.00} XX/XX/XXXX {$1800.00} those people they don't know what they are doing. I need Chase Bank to Refund a late charge of {$62.00} and removed from the credit beoru for the Month of XX/XX/XXXX. On XX/XX/XXXX I paid  {$1400.00} and I ' Paid {$65000.00} for the principal plust {$1400.00} My loan was in the amount {$210000.00} after I paid the large amount know, know the loan {$140000.00} know they want me to pay {$1300.00}. but is wrong My new payment it should be around {$830.00} be last that amount. please I realy need some help with those crook they always want to still my property however they. 

Thank you so much They information is Chase Bank Loan Number # XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX My email is XXXX My phone is XXXX
Consumer complaint received 2019-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (FL)

This debt was released because of military service and me going to XXXX and not being able to take the phone so per military clause they closed it. It was already removed from credit bureaus and I was just able to open a new account with XXXX which would never happen if I had a current debt with them. Now it creeped back up and is showing on my report. I'd like it removed immediately.
Consumer complaint received 2020-12-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I was approved for a SBA EIDL GRANT on XXXX XXXX for my business which was deposited into my account and cleared. Citibank then asked for documentation of my approved application then refused to accept the documents and froze my account and closed my account starting XX/XX/2020 which they informed me that the entire process would take 30-60 days to complete the investigation and account closure. It has been nearly five months and I have yet to receive my closure letter or my funds in the amount of $ XXXXxx from my account being closed. I have visited different Citibank branches and contacted the Citibank customer service and fraud department more than 20 times since the process has started. I have been met with unanswered questions and disconnected calls more than 75 % of the time. Every time I call the fraud department, the associates tell me that the process will take 30-60 days and that they can no longer provide any information and then proceed to disconnect the call, leaving me in a state of confusion. As I stated, Citibank has not sent me my closure letter and check for my funds as of today XXXX XXXX, 2020.
Consumer complaint received 2020-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CARD Corporation (PA)

I am contacting y'all back about XX/XX/XXXX in the amount of {$69.00} and XX/XX/XXXX for my disputes for XXXX that need to be reopened I had contacted last week and they told me they can't refund the card if they do it might be billed a fee because the payments are old and they say they will send me a check in the mail but I never got them checks in the mail from them I been calling the manager and emailing him or her and he or she is not calling me or email me back and I want y'all to reopen the dispute and credit back both payments for me and I got proof by a XX/XX/XXXXcase from them saying my service was canceled and they refunded me but I did not get my refund in the mail and I been waiting a whole week now and I want both payments to be credit back on the card for me. XXXX XXXX XX/XX/XXXX Mid-South XX/XX/XXXX CASE # XXXX To whom it may concern, Thank you for bringing this situation to our attention. I have talked with the customer and informed her that we are addressing her refund. We will refund her for the charges that were made to her credit card on XX/XX/XXXX in the amount of {$69.00} and XX/XX/XXXX in the amount of {$110.00}. For a total refund of {$180.00} for the service was that she canceled on XX/XX/XXXX. If there are any further questions or concerns, please do not hesitate to contact me. Sincerely, XXXX XXXX XXXX Branch ManagerXX/XX/XXXX XXXX E-mail : XXXX XXXX
Consumer complaint received 2022-07-18
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. (PA)

For over 3 months I have been communicating with the Credit bureaus.I had two public record bankruptcies on my credit report. I contacted XXXX filled a dispute and they deleted from their data awe and my consumer file. For 60days now Ive been getting the run around with the credit bureaus on deleting this from my credit report. Under the fair Credit Reporting act 604 Im asking for these public records be removed. XXXX as informed that they will be filling a manual dispute as well as a unverified clarification dispute also. I spoke with XXXX at XXXX XXXX XX/XX/22 in regulates of this matter she informed that these filling will take additional 40-60 days which is unfair especially when these are not on my consumer report
Consumer complaint received 2019-05-04
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. (IA)

i have the following inquiries listed on my credit file, are not mine, they are to be removed as fraudulent applications have been submitted in my name, hence why there is a fraud alert on my file. Should you have a better system I would have placed a security freeze but Equifax cant figure that out, nor do you have a website that works half the time. 



XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I tried to get a home loan on or around the month of XX/XX/2019 in doing so the lender informed me that I am not receiving a credit report from equifax. Equifax informed me that there is fraud alert but says my answers to access the account is not accurate. To resolve this they told me to mail over a copy of my social security card, drivers license and a cover letter of what I wish to be accomplished in doing so twice they said they never received the documents to this day it still has not been resolved
Consumer complaint received 2019-05-03
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: CITIBANK, N.A. (TX)

had ID theft done hacking, sent all reports I had to move this has taken over my life SENT FTC, cfpb complaints noone will help just turn down after turn down not taken in consideration of the ID theft Banks telling to remove my fraud alert uneducated people that these people have hired that don't even belong in a branch have you guys really ever shopped your own banks? 
Walk into one very rarely do I get a trained profession. Cutting pay for what? to get people that don't XXXX   about banking? You guys are the bread and butter of the American economy but you rather cut pay and make the government spare your expense cfpb should be the higher ups of the banks protect our economy not try to XXXX us. YES its sad to walk around with the knowledge I have and walk into a bank. smh when people are put in the wrong position I'm sure XXXX XXXX wouldn't be a very good RB or XXXX XXXX a great WR, so put people in the right position to succeed. STOP having the government monitor every. You guys owe it to us get this stuff right no reason why you guys only do something b/c youre afraid of the cfpb do it b/c its the right thing to DOOOOOO
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-04
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: ALLY FINANCIAL INC. (IL)

It looks like a bunch of car dealerships pulled my credit report which was not authorized. I have a new car that I bought two years ago and I am not and will not be looking for a new car anytime soon. This was done without my authorization and obviously constitutes fraud
Consumer complaint received 2019-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

I have been asking for help in getting clarification of standard balance vs promotional balance to determine the amount of payment necessary. 
Agents have consistently been rude and difficult. 
Further, I was unable to login to my account online from XX/XX/XXXX to XX/XX/XXXX. 
I called customer service and emailed known contacts inside the company, but was refused help. 
When I was finally able to login, I see they have charged me a late fee, and I still don't know the standard vs promotional balance. 
I used the chat function to ask for help, and the agent refused to assist me. 

I am submitting this complaint in the hopes of receiving the help I need.
Consumer complaint received 2021-06-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (ND)

I've been looking for a creditor of sort to help with fixing our credits. I answered questions that a regular creditor would by the name XXXX who " works '' for XXXX XXXX XXXX 

I told him XXXX of the sore thumb problems that I had which was : fraud '' someone in West Virginia was going to school in my name and didn't pay the bill. Far as I know, you must have a XXXX or a XXXX XXXX XXXX. So, now I'm stuck with the inquiry and my husband and I want to buy a home now that we are leaving the military. 

This XXXX guy put me in the exactly situation of what I told him that got into debt in the first place. 

he used everything I said against me, right after I signed and signatured the papers that he sent me. XXXX re-seny me the papers with more writing on it saying that they are not credit repairs and that they are a school '' as i I agreed to that. 

A person is not stupid because they don't have certificates of attendance in high school or a collage. It just means they didn't get a money trade skills in a job to make greater income of their choice. 

I contact PAYPAL and they refuse to give me my money back. PAYPAL wants me to believe they are doing their investigation by asking me to summited the same information that I've been sending rhem more than 3 times. Second '' giving the other party more than enough time to give me the service that I never asked for, but because I paid them '' PAYPAL eants to believe that is want I knew what I was getting which is nothing. PAYPAL REFUSE TO INVESTIGATE and this is why I haven't received my money back. PAYPAL expecting for me to just leave this alone