davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-16
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: BARCLAYS BANK DELAWARE (GA)

On XX/XX/2020 I called Barclays to defer my payment, which they approved my request. To my surprise in XX/XX/2020 I realized they had reported my account 30 days late for XXXX XXXX. I called them to correct their mistake but they werent willing to help. XX/XX/2020 I decided not to continue to do business with Barclays, paid off my account in full and closed it. I had that account 1 year and never missed a payment. I called requesting to defer my payment as I work in the travel industry and due to Covid -19. I was not certain what will happen with my job. Please help me correct this unfortunate situation as Barclays are not being responsible for the lack in service.
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

1. AMERICAN EXPRESS LOAN - FINAL PAYMENT {$2000.00} ON XX/XX/2019 AMERICAN EXPRESS CARD SERVICES - FINAL PAYMENT {$6800.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.
Consumer complaint received 2020-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (OH)

Received multiple calls from L.J. ROSS & ASSOCIATES, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX, XXXX who is handling a debt for XXXX XXXX XXXX XXXX XXXX ) that is around {$110.00} and I have told the rep that the debt has been paid through XXXX. Regardless, the rep tried to collect payment as she refused to do her due diligence and tried to manipulate me into paying as she said I need to pay. Also, during the call, the rep provided me the last four digits of my social BEFORE confirming my identity and provided my previous addresses and full name. I was not comfortable with that and I would appreciate this matter be followed up on. I called back and discussed my concerns with someone who said they were a manager but, this is not the first time Ive had an issue like this with this collection company. Behaviors like this create XXXX! Especially during these unprecedented times where fraud and scams are forever exercised for monetary gains. I confirmed with XXXX that my account is current and am eligible for new service since I do not have a previous balance. XXXX told me that I do not need to provide proof to the collection agency and I am OK. I am being told conflicting information from XXXX and LJROSS. This collection agency made it appear that I NEEDED to pay THEM or the debt will not be effectively removed from collections. This company has been a pest and creating problems for me. I do not want this on my credit since, it is not valid. Ive disputed via XXXX and it was removed but, they still continue to call, relentlessly. Even AFTER it has been removed. It is still on the other two credit bureaus. I want them to remove it. Please note that the amount that I paid was higher than what was due but this amount will be credited towards my future account. I have proof but will not attach it due to not wanting the company to keep for their records. The specific incident mentioned in the above comments was on XX/XX/20. On this date, there were 3 separate calls placed, an incoming and two outgoing. I returned a missed call from the company, and called back and spoke to a manager.
Consumer complaint received 2021-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I have been working for Public Service Loan Forgiveness since graduating from medical school in XXXX. I consolidated my loans and set up automatic payments ( usually by XXXX XXXX House ) direct from my bank accounts. I changed my loan servicer from XXXX XXXX, whom I found very capable, to FedLoan. By XXXX of XXXX, I noticed that their count of my qualifying payments seemed to be far short of what I expected. I asked them to review. They counted it as a request to see if I qualify and told me I did not. I called again, asked for help, was told a ticket was being opened, and received a packet in the mail with copies of payments from previous loan servicers, such as XXXX XXXX, XXXX, and even DirectLoans, I believe. There was nothing to help me understand the codes listed, what the information actually was, or how it translated to the count that FedLoan was telling me. I submitted paperwork again to certify my payment count around the end of XXXX, and was told I had not made enough payments. I called customer service to ask for help, and from that call was sent a letter documenting balances and payments made in XXXX and XXXX ( most of the payments I believe are being counted erroneously are from XXXX to XXXX ). So those were useless. I called again ( I am not sure which month, estimate around XXXX or XXXX ), and did finally speak with a CSR who agreed that because of the reason for the payments not counting, " Out of Window '', ie paid after the due date for that particular payment, all in a row, for nearly every loan, that it looked like essentially something had been shifted in terms of what due date a specific payment was being associated with. Those account for 3 years worth of payments. Another 7 payments ( x XXXX loan account numbers ) don't qualify because they could not find a bill for that particular payment. It seemed like at least the Out of Window payments would be manually reviewed and reconsidered as qualifying. I then received notice on XX/XX/XXXX that they felt all counts were correct. I called again on XX/XX/XXXX, and was told the only option was to request a manual review again, so I did. I am still waiting to hear back from that, but am not confident that they will do it correctly the second time around. I have been caring for underserved patients for 11 years now, paying off my loans the entire time. FedLoan is incompetently handling my PSLF and is bailing out anyway in XXXX.
Consumer complaint received 2022-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (HI)

I began the process to remove my monthly MI by contacting my servicer, Mr. Cooper, in XX/XX/XXXX. Mr. Cooper lacked communication throughout the process and often had long periods of absolutely no contact whatsoever. Mr. Cooper customer service agents gave me conflicting information every time I called, though one of the agents finally informed me that I was able to order my own appraisal since their appraiser grossly undervalued my home, which was attested to numerous professionals in the real estate industry. After I received and submitted my own appraisal report on, Mr. Cooper replied on XX/XX/XXXX that they received my appraisal but now my value does not meet XXXX XXXX 's 75 % LTV requirement since my loan seasoned for 2 years on XX/XX/XXXX. At no time did Mr. Cooper say that I had a timeframe to work within, and communication prior to their denial on XX/XX/XXXX they informed me that my value need to come in at $ XXXX. A final call to Mr. Cooper on XX/XX/XXXX resulted in XXXX in the Mr. Cooper escalation department admitting that Mr. Cooper did not provide proper information in an appropriate time frame but they could not do anything without an exception from XXXX XXXX. 

I spoke with XXXX XXXX today, XX/XX/XXXX, and was belittled by a woman who refused to escalate my case and, after arguing with me rather than even attempting to assist me, HUNG UP on me! 

This is not right. Even though I was not aware of the timeframe until after the fact, I still had 5 months to have the MI removal to process. There is no reason why this process should have now taken 6 MONTHS only to end in a denial because my loan hit the 2 year mark.
Consumer complaint received 2023-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (FL)

I have had numerous problems with TD Bank. They constantly lie. This time, I have my flood insurance escrowed with my mortgage. So TD Bank is supposed to pay it. I received a letter from my insurance company stating my policy had expired for lack of payment. Of course I call my insurance company and they state nothing was paid. I call TD bank and they lie and say no we paid it. I asked for proof, a Check number, what date was it paid? They said oh we have a copy of your policy and we will send to you. Still not providing any proof pf payment. I call my insurance back and they firmly state the bank never paid. I call TD Bank again and they say oh it was paid with a bulk check. I again asked for proof and they refused to provide any. I wait a few days and call my insurance company, they said they talked with TD Bank and they informed them that they never paid. WHY CONSTANTLY LIE TO ME. MY POLICY WILL EXPIRE BECAUSE OF THEIR NEGLIGENCE
Consumer complaint received 2024-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (SC)

Waiting on paperwork to be scanned and processed regarding joint consolidation loan separation act. The process was created per the Dept of ED. The paperwork was filled out mailed to the proper address but they are not processing the paperwork.
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Hi, I have been having the problem with identity theft for quite some time now and took every step to report it freeze account replace everything. Just over the summer of the year XXXX I changed to my married name i report to the credit Bureau, all 3, sent in copies of driver 's license, marriage license, and other documentation they ask for. Now im aware of the data breach that took place in XXXX and was part of it and still waiting for the outcome of it because I still haven't heard anything about it. For 3 years now, almost 4 I have been having problems with my credit like never before. I couldn't get a bank account open a small pay day loan, nothing..Thats when it was brought to my attention that my identity was stolen from me and I thought that the credit Bureau was taking care of it. Not at all. I submitted my name change and it still isn't change with you guys. MY NAME I HAVE BEEN USING IS NOW XXXX XXXX. IM ASKING FOR YOU TO PLEASE REMOVE MY MAIDEN NAME AND REPLACE WITH MY MARRIED NAME PLEASE.
Consumer complaint received 2023-03-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (OH)

This complain is related to a previous one ( XXXX ) because I still have not received my money back even if CHASE has everything to do it since XX/XX/2022. 
After the last complain Chase response I contacted the bank-recepient about issuing NULL AND VOID LETTER as Chase mentioned that they don't have it. Bank-recepient responded at the end of XX/XX/2022 and issued the required latter. Since then I have not heard anything from Chase even if Chase is a same part of XXXX  organization as the bank-recepient is. So, Chase just doesn't care about its responsibilities and its customers.
Consumer complaint received 2021-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MO)

I am in the PSLF program. FedLoan is saying certain payments I made are ineligible & theyve been reviewing the first 3 yrs of my payments in the program for at least 5 months. I called XX/XX/XXXX to investigate & was told my payments were being reviewed. I called XX/XX/XXXX & was told the problem w/my payments was that the loan company that my first XXXX yrs worth of payments were with, had gone out of business. I was told to upload bills showing payments made & I did. Also, there was a XXXX month period of payments that were deemed ineligible. Upon investigation of that, I was told an administrative forbearance was put on my account for 2 months & then a general forbearance for XXXX months. I DID NOT ask for any forbearance - my payments were based on income & per that they were {$0.00} payments! Why would I have to put a forbearance on something that was already {$0.00}! They requested bills showing I was in repayment for that time period, as well, & I uploaded that paperwork too. I called AGAIN after sending several emails, & was told there was nothing I could do but wait. The representative on the phone did say that she would email someone higher up than her & see if that would help. My forgiveness shouldve been the easiest process. I was in the correct payment plan, I worked the same job for the entire time period so no issues w/employer that didnt qualify & I certified my income annually. I did everything by the book! I NOW have over {$100000.00} in student loan debt due to interest! Please help before FedLoans contract expires, my loans are transferred & the chance of something else happening increasing!
Consumer complaint received 2022-07-31
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: Experian Information Solutions Inc. (IL)

Recently, I took a look at my credit report and I have shockingly found unverifiable, invalidated, inaccurate and questionable items that your agency did not make sure was reporting 100 % correct In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) These accounts are in violation of not reporting 100 % accurate. 

1. XXXX XXXX, Account # : XXXX The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.
Consumer complaint received 2021-01-20
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. (AL)

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ), I therefore legally request the DELETION of INACCURATE items from the PERSONAL INFORMATION section of my credit report with your agency. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : XXXX XXXX XXXX XXXX. 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX XXXX as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Consumer complaint received 2021-03-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

Hello, Thank you for helping me. I leased a XXXX XXXX at the end of my lease I went several days before my lease was up turned in the vehicle and upgraded to a newer model XXXX XXXX 2019 I had my father in law take out the car under his name and add me as a co-signer when releasing my co signer had XXXX credit score the finance manger said he would take care of the mileage overage fee if we released a vehicle with him and we did. Fast forward to 2 years later I went to buy a ca and XXXX dealership told me Kia had XXXX me over they had a written off the car and marked me as a repo I wasnt able to get a car. 
If you look at my pending history you will see I have never had a problem with car loans all my cars have been payed off with no inconvenience. What Kia did is inappropriate that manager should have never lied to me. Please I would like someone to help me do what is right. I just ended my lease with Kia and had to pay them XXXX $ and I payed them be i was asked to do so for an authentic charge. 
What they did to me is wrong I would like to get help please. Thank you
Consumer complaint received 2021-09-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MI)

My roof was damaged in a storm, for which I filed an insurance claim. The claim was paid as a two party check, which I had to send to the bank for their endorsement. Now they're refusing to release it. This is the timeline of events : XX/XX/2021 - Claim filed with insurance company ( XXXX ) for storm damage XX/XX/2021 - Inspection scheduled by XXXX ( completed by their preferred XXXX, XXXX ) XX/XX/2021 - Payment ( two-party check ) sent from XXXX ( {$7300.00} ) XX/XX/2021 - Call to Freedom Mortgage ( 8 min ) - confirmed details of process - they said " send us the check, we will endorse and return within 10 business days. '' Nothing mentioned about any additional requirements. 

XX/XX/2021 - Mailed endorsed check to Freedom Mortgage XX/XX/2021 - Work started/completed ( 1 day ) XX/XX/2021 - Call to Freedom Mortgage ( 16 min ) - checking status of check, had not heard from them, notified of additional requirements ( loss packet ) which was never sent, and never mentioned previously XX/XX/2021 - Received loss packet in the mail XX/XX/2021 - Call to Freedom Mortgage Loss Department ( 12 min ) - verify details of needed information for loss packet XX/XX/2021 - Email to Freedom Mortgage LD ( sent completed loss packet ) XX/XX/2021 - Automated confirmation response email received from Freedom Mortgage LD XX/XX/2021 - Balance sent from XXXX ( {$3500.00} ) XX/XX/2021 - Received letter from FMLD asking for the same information that was already sent XX/XX/2021 - Call to Freedom Mortgage LD ( 41min ) - confirming details of additional information needed for loss packet, mostly waiting on hold. They claimed to have attempted to contact me, though they could not verify any details of any such attempt. 

XX/XX/2021 - Email to Freedom Mortgage LD ( sent loss packet, additional needed info ) XX/XX/2021 - Gave check for balance to XXXX  ( {$3500.00} ) XX/XX/2021 - Email to Freedom Mortgage LD ( sent XXXX  W9 ) XX/XX/2021 - Automated confirmation response received from Freedom Mortgage LD. 

XX/XX/2021 - Received another letter ( dated XX/XX/2021 ) from FMLD asking for the same information that was already sent XX/XX/2021 - Call to Freedom Mortgage LD ( 7 min ) - said they needed a corrected W9 ( a box was not checked ), also said they tried to email me at an incorrect email address ( XXXX, with a d instead of the second e ) XX/XX/2021 - Email to Freedom Mortgage LD ( sent corrected W9 ) XX/XX/2021 - Received email from XXXX XXXX with FMLD stating We have been unable to verify the attached waiver of lien for XXXX XXXX XXXX with the IRS. Please have XXXX XXXX XXXX provide a verifiable W9 so claim may move forward. 

XX/XX/2021 - contractor verified information was correct, which I passed along to XXXX at FMLD via email, and have not received a response as of XX/XX/2021. Still awaiting payment of {$7300.00}. 

Apparently, Freedom Mortgage Loss Department is contracted to Proctor Financial. 

The XXXX  website is full of similar complaints about them : XXXX XXXX XXXX
Consumer complaint received 2021-02-25
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (KS)

XXXX 2021 that morning my savings account balance was a few dollars over $ XXXX. 
That same day there were two withdrawals for XXXX $ XXXX leaving my account short $ XXXX. 
Neither of those transactions was mine. 
In addition, a checking account with {$10.00} was closed. Again, this was not my doing. 

Yesterday I discovered this issue and spent 4 hours trying different phone numbers to report this fraud to CITI. I had 7 contacts and no one could tell me what was going on or even seemed to care.

I can't believe it took 4 hours and no one seemed to care that they and I had been robbed.
Consumer complaint received 2021-02-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NH)

Experian Credit Bureau is still showing my EX husband ( XXXX XXXX ) as an authorized user on my XXXX credit card. He was removed as an authorized user in XXXX. I verified with XXXX that he was removed as an authorized user in XXXX. He recently pulled his Experian credit report and can see my current balance ( {$3400.00} ), payment history and current monthly payment AND IT STILL SHOWS HIM AS AN AUTHORIZED USER. He sent me screen shots that indicate this information was last updated on his credit report on XX/XX/XXXX. I have called XXXX and Experian and no one will help me because it's his credit report. I feel violated that Experian continues to report my personal and sensitive financial information to him. XXXX said that they do not report information under him about this credit card to Experian any longer, but stated that Experian uses my personal reporting and puts it under my EX husband as well. Let me state, HE WILL NOT CALL to get this removed. It helps his credit as I am a reliable payer and he is not. I will attach the screen shots he sent me clearly stating that Experian is still reporting just as if he is an authorized user.
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

I had a Citi Prestige credit card last year. On XX/XX/XXXX, I was charged an annual fee. Immediately following that I called to transfer my Prestige card to a Rewards+ card. The annual fee should have been refunded to me at this time. But it was not. 
A few weeks after I got the Rewards+ card, I decided to close the account. 
It has been more than two months and the annual fee I paid on XX/XX/XXXX has not been refunded to me yet. 
I called their customer service line. The representative said the annual fee was refunded in XXXX of XXXX, but nothing is there.