davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: STEWARD FINANCIAL SERVICES LLC (PA)

In the beginning of XXXX of XXXX my car was stolen, I reported it to Steward financial services since they service my loan, during this call they forwarded my title to the police department. The lady said thanks for letting us know and the call was ended. I then get numerous calls in the beginning of XXXX stating that my payment due at the end of XXXX is late and I told them again my car was stolen so I cant pay at the moment. XXXX then said well your payment is past due and we need the money when can you pay. This went on for about 5 minutes back and forth until I hung up. I get a email in XXXX from XXXX, she stated I needed to call. I was hesitant because they are very rude there. I called and she apologized how my loan was handled and someone should have offered a deferment. But now Im 2 months behind. On XX/XX/XXXX XXXX sent me the deferral paperwork and said until the car is found we can defer for 3 months. On XX/XX/XXXX my car was recovered and placed on police hold for investigation, on XXXX my car was deemed a total loss by my insurance, on the same day I get an email saying my deferment was denied because the car was repairable and I need to make a payment immediately. I emailed the lady back my documents of a total loss and there was no response. I have gap coverage therefor paperwork was exchange o how much I owe to the insurance, steward financial, and XXXX ( gap ). The documents I received from XXXX and XXXX stated that the balance was paid in full but in XXXX XXXX began calling me saying I owe XXXX. When I ask why XXXX or XXXX keeps telling me that's what I need to pay or they will put it on my credit report and my credit will be messed up. They will not go over math or any paper work with me, he always states he don't care what I have, he has the correct information.
Consumer complaint received 2021-04-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2021-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

My taxes are NOT being paid. The money to pay them is in my escrow account, and I have called the mortgage company almost WEEKLY to get them paid. They keep telling me they are waiting for a response from the tax office, which isn't true because they have talked to them AND received the tax statement from them. My Tax Office has talked to them, sent them a statement. .and they are still NOT getting paid. I'm now receiving delinquent tax notices from the tax office. I first contacted them XX/XX/2021... and have been trying to get them paid ever since. They have to actually read back thru notes when I call to get thru all the documentation of all the phone calls I've made!
Consumer complaint received 2021-04-14
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Every time I try to log into my account, I'm having a lot problems getting into Bank of America prepaid debit card account on the website. Bank of America website keeps saying " Your Security Information is incorrect. If you have not created a username, select Need Username. '' even though I entered the correct username and password. I feel that Bank of America is making it difficult for customers to log in to the account so that customers can not transfer funds out of Bank of America account into other banks.
Consumer complaint received 2019-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX partial account number XXXX and XXXX. ( Please see pages 6 and 7 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. 

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX. ( Please see page 9 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

I am in the process of fixing my home after a hail storm. So far I have replaced the roof, the siding, and am in the process of replacing a bay window. My loan provider ( loancare ) has consistently failed to notify me of evolving requirements of theirs, and has had otherwise non-existent communication aside from periodic threatening letters, which I brought to their attention. I have not had a late payment since purchasing my home in 2003. They failed to notify me of a requirement of theirs that I provide a release of lien, a W9, and a signed contract. They say once the account goes over $ 20k this is required, however, when speaking with a representative two days prior, I was assured all I had to do was send in the check with the loan number affixed. After sending all of the required documents, they then told me I needed to endorse the check prior  to sending it, and they returned the check to me unsigned. At no point was I told to endorse the check, in fact I was advised earlier not to endorse the check for safety reasons. Also, the office they list in CO claims they do not have access to any information, and are solely for debt collection. This is misleading to say the least. These are but a handful of issues I have had with this company, and I am concerned with my ability to fulfill my obligation to complete work on my house in a timely manner when I am met with such dysfunction.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (NJ)

Dear Sir / Madam, I hope you are doing well. 

I have been with CitiBank since the XXXX. I have XXXX checking accounts, XXXX savings account, XXXX preferred money market account and ( until recently ) XXXX credit cards with CitiBank. 

Recently, CitiBank seemed to have an IT system migration. With such a migration, the system automatically changed the address on file and on all these accounts to a foreign account that is no longer valid, without informing me in advance. 
I used that address for them to mail over an emergency credit card years ago while I was travelling and lost my then credit card. 

As a result of this incorrect address, both of my credit cards have been closed, and all accumulated points lost. 
I was on the phone with CitiBank today for hours, and was transferred back and forth across different departments, but no one could solve my problem, and worst of all, nobody seemed to care or be willing to correct the mistake they had made in the first place. 

They claimed that the XXXX credit cards were closed due to the fact that the address on the card were a foreign address. I requested them to fix/delete the incorrect/invalid address ( which was their mistake to begin with as I have mentioned above ). They claimed the address could not be fixed since the cards have been closed. It is like going in this endless loop. In the end, they only offered to let me apply for a new credit card from scratch, but I would lose all my existing points. 

I am writing to you in the hope that I could at least recover the points, and lodge a complaint with their unprofessional conduct. As mentioned several times before, the mistake was not even done by me to begin with. I never requested such address change. It was due to their internal system glitch. 

Thank you very much!
Consumer complaint received 2019-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

My mortgage loan servicing was sold to Shellpoint Mortgage Servicing by XXXX & I received a letter from Shellpoint Mortgage Servicing, ( SMS ), on XX/XX/XXXX informing me that they are my new servicer! On XX/XX/XXXX I received another letter from SMS stating that I was two months behind & had not made my XXXX or XX/XX/ 2019 mortgage payments. When I called SMS I was informed I owed {$2400.00} which included past due payments of XXXX, servicing fee of XXXX, NSFI fee XXXX & an unapplied balance of ( XXXX ) & XXXX  only transferred XXXX dollars for my impound Balance! SMS had placed my account in their loan mitigation department & are attempting collect a debt. I did make my XXXX and XX/XX/2019 payments to XXXX. On XX/XX/ 2019 I emailed, XXXX ' and faxed XXXX XXXX XXXX, SMS a copy of both my mortgage payment checks, front and back, showing that XXXX had cashed my checks. When I called SMS on XX/XX/ 2019 to get an update I was informed the email and fax number incorrect. I emailed & faxed the same information the new information, XXXX & XXXX XXXX XXXX, provided. It has finally been uploaded into SMS 's system! 

Thirty days have been wasted & they won't move my file out of their lost mitigation department to customer service, I was not behind on my mortgage payments! I am not going to make any payment to SMS until they rectify my account. They will not escalate my file or allow me to speak with a manager or supervisor! They will not give me a time frame in which this mess will be resolved! I am being told that they are waiting on XXXX to determine if my payments were made even though I have given them indisputable evidence that XXXX received & cashed my mortgage payments!
Consumer complaint received 2021-08-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BMO Bank, N.A. (IL)

Hello, I am looking to refinance my mortgage that is currently being financed with BMO Harris Bank N.A., and wanted to take advanced of the current low rates. I had filed for Bankruptcy years ago and both my first and second mortgages ( both with BMO Harris Bank ) no longer display on my credit report. I called BMO on XX/XX/2021 to inquire about the balances owed on the 2nd mortgage or had it been charged-off ( wanted to get an idea of how much I owed, prior to submitting an application for refinancing ). Neither mortgage was included in the Bankruptcy. I was told my inquiry had to be submitted via email at XXXX and that I should get a response within 24-48 hours. I emailed the same day ( XX/XX/2021 ), on XX/XX/2021 I emailed them once again because I had not heard back from them. I received a response with the 2nd email on XX/XX/2021 asking for additional details on my 2nd mortgage to which I provided the response the same day. I emailed once again on XXXX asking for the answers to my questions. I received a response from the Collections Department from the mortgage servicer for my BMO mortgage - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL. XXXX. I was told that I had been misinformed and that the response time can be up to 30 days for this type of request as they needed more time to research. I received a letter in the mail dated XX/XX/2021 acknowledging my request and promising to get a response to my request as promptly as possible, and that a response will certainly be given within the times limit required by the law. I had not heard back from BMO or from XXXX ( the mortgage servicer ) and emailed once more on XX/XX/2021. It is now past 30 days since my initial request and I have not heard back from them either via email ard/or mail. I want to refinance my loan ( s ) and can not proceed without knowing if the 2nd mortgage has been charged-off, what balance I owe on it if any, as I am not able to come up with a definite number as to how much mortgage I should apply for. BMO Harris N.A., has made it very difficult for me to move forward with my refinance because they refuse to answer my questions. I do not want to feel bound to dealing with mortgage that is very difficult to deal with.
Consumer complaint received 2018-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

To whom it may concern, I have recently been a victim of online bank fraud. On XX/XX/2018 I noticed that {$5200.00} had been stolen from my bank account. I contacted Chase and reported the fraud to their claims department. We started reviewing my bank account to determine what activity was fraudulent. On XX/XX/18 the following transition were credited to my bank account. 
CREDIT XX/XX/2018 XXXX TRANSFER PPD ID : XXXX XXXX ACH_CREDIT CREDIT XX/XX/2018 XXXX TRANSFER PPD ID : XXXX XXXX ACH_CREDIT The Chase Fraud department explained to me that this was known as a common fishing exercise were hackers find active bank accounts and then sell the account information on the Dark Web. Chase then explained to me that there unauthorized transaction policy is good for 60 days from the first day of the fraudulent activity. So in my case the 60 day clock started on XX/XX/2018. Chase is not going to refund me the following transactions because the activity happened after the 60 day window. 
XX/XX/2018 {$310.00} XXXX XXXX XXXX XXXX WEB ID : XXXX : XXXX XX/XX/2018 {$470.00} XXXX XXXX XXXX XXXX WEB ID : XXXX : XXXX XX/XX/2018 {$660.00} XXXX XXXX XXXX XXXX WEB ID : XXXX : XXXX XX/XX/2018 {$780.00} XXXX XXXX XXXX WEB ID : XXXX : XXXX XX/XX/2018 {$1500.00} XXXX XXXX XXXX WEB ID : XXXX : XXXX XX/XX/2018 {$35.00} XXXX XXXX XXXX XXXX XXXX WEB ID : XXXX : XXXX XX/XX/2018 {$1700.00} XXXX XXXX XXXX WEB ID : XXXX : XXXX Chase had made it very clear to me that they are not going to help me and that if I want to get my money back I had to work it out with XXXX. I have contacted several time and they have created the following case number for me, XXXX. When working with their fraud department on the phone they did acknowledge the fraudulent activity did happen. XXXX told me the issue was between Chase and myself. 
I have no were else to turn and I need help. This is a lot of money for me and my family. We have been planning to use this money to buy a house one day. If there is anything at all you can help with please do and let me know what further actions I can do to try and resolve the issue. Thank you for your time. 
Best regards, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MI)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2021-02-18
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: FIFTH THIRD FINANCIAL CORPORATION (NY)

FIFTH THIRD BANK is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX  consumer report on XX/XX/2019 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b.

I have not initiated any transaction with FIFTH THIRD BANK. Further, I do note have an account as defined under 15 U.S.C. 1693a ( 2 ) with FIFTH THIRD BANK for review or collection.
Consumer complaint received 2021-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is a confirmation that I am disputing several fraud inquiries on my TransUnion report. I tried to get a solution in the past. I sent TransUnion a letter requesting to get those inquiries removed because they are killing my credit score, however I was ignored. 

All I am asking is a fair solution to this big issue : get the inquiries removed from my report. I have attached a document. Please send it to TransUnion. Thank you.
Consumer complaint received 2022-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (UT)

Contacted by email for services to be provided by contractor to send 50 % down through XXXX. {$330.00} was sent on XX/XX/2022 using my bank account with Wells Fargo. On XX/XX/2022, contractor called stating their email had been hacked and fraudulent requests were sent asking for money. I contacted Wells Fargo immediately explaining the situation. A letter arrived XX/XX/2022 denying responsibility for fraud. Fraudulent requester said to send money to his secretary named XXXX XXXX, XXXX.
Consumer complaint received 2021-04-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Card Receivables Fund Incorporated (IN)

Hello! 

I have a listing from UNIFUND, LLC on my credit report. I have asked for verification of the debt via mail and fax multiple times since XX/XX/XXXX and even from earlier in XXXX with the help of a credit repair company. I have the receipts for the most recent attempt to attach. They have failed to respond to my requests and they continue to report on all of my credit reports. They have failed to provide any proof that I owe this debt - including a signature or written contract. 

The debt they are claiming that I owe is already listed on my credit report - so they are " double dipping. '' I'm looking for assistance with this company because they fail to respond to reasonable requests to verify that I actually owe a debt to them.
Consumer complaint received 2021-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eagle Recovery Associates, Inc. (MI)

I keep getting calls related to a medical bill for my son that occurred in XX/XX/XXXX. I paid the bill entirely in XX/XX/XXXX. I sent copies to Eagle Credit Recovery in XXXX and XXXX showing not only the date of service but also that the copies of the cashed check. I've dealt with this now in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now again in XX/XX/XXXX. The debt was passed on to XXXX XXXX XXXX  and I've had to start the entire process over. Every interaction I've had with XXXX -- including an XXXX and a XXXX was met with a very rude reaction to my questions and comments. While they " technically '' answered my questions they did so in a passive aggressive/attitude driven way. I feel as though I've being treated unfairly when I've actually gone over and above to prove that I've paid the debt they are attempting to collect. 

The final answer they've given me is that it's pending review and it will take up to 60 days and I will have no notification if the debt is closed successfully which is unacceptable to me.
Consumer complaint received 2021-03-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY (NV)

The company is reporting inaccurate and damaging information on my credit report. The company failed to give notice prior to reporting this item on my credit report. They also failed to validate the debt. They are reporting 23 times a charge off on one account. How can any single account be charged off 23 times? Then a negative mark reported after all 23 charge off remarks. This is erroneous reporting of information. A negative of ( 2 ) 120 days late back to back. There are only 30 days approx in a month. How can I be 120 days late each month for 2 months? The date opened, credit limit, responsibility, and payment status is reporting inaccurately. There is also missing information not being reported. This inaccurate data is damaging my credit score. This account needs to be deleted from my credit report immediately.
Consumer complaint received 2021-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am in the process of purchasing a home so I called Capital One about possibly doing a good will adjustment for a 30 day late payment dated XX/XX/XXXX. The representative on the phone provided me some information to submit so that they could update the status of my payment. On XX/XX/XXXX I got a letter stating that that would be violating the FCRA so they are unable to update the payment as a courtesy which is understandable. However, they updated two of my sisters late payments as a courtesy on XX/XX/XXXX, which according to the FCRA is a violation.
Consumer complaint received 2021-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX a debt on my credit file that I do not owe. This debt was included in my Bankruptcy # XXXX. They are in violation of the Bankruptcy Law Act for continuing to report a balance. They are also still updating every month. This needs to be fixed.