davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I has sent CITI Bank a Notice surrendering my negotiable instrument for redemption back in XXXX of 2023. The instrument has a restrictive endorsement with pay to the order of : Citi Bank. I had informed my right to OPT OUT from the company 's ability to report my personal transactions to the 3rd party credit agencies since they were reporting my transactions on my consumer credit reports. After sending this Notice the bank closed my account and even though they responded as to why they took that decision I believe they were in wrong. I has tendered a lawful form of payment yet they refused my payment and did not credit my account. They have kept my instruments even thought they are refusing to credit the account. Their SEC filings Clearly state how my application for extension of credit is turned into an Asset backed security, they are surrendering my instruments for redemption, they are securitizing them, transferring them, trading and selling them. I have send them a 2nd Notice together with a new negotiable instrument. They have yet to respond to this notice but my account continues closed.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXX Balance : {$84000.00} XXXX XXXX XXXXXXXX Balance : {$79000.00} XXXX XXXX Balance : {$8700.00} XXXX XXXX Balance : {$20.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$48000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXXXXXX Balance : {$84000.00} XXXX XXXX XXXXXXXX Balance : {$79000.00} XXXX XXXX Balance : {$8700.00} XXXX XXXX Balance : {$20.00} XXXX XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2024-01-31
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. (TX)

I hope this letter finds you well. I am writing to express my dissatisfaction with the first attempt made by your company to remove fraudulent items from my account. 

I discovered unauthorized transactions on my account, which I promptly reported to your customer service department. I appreciate the swift response and initiation of the investigation. However, after the first attempt to remove the fraudulent items, I am disappointed to inform you that the issue persists. 

Despite providing all the necessary information and documentation as requested, it seems that the resolution process has not been as effective as expected. I understand that addressing fraud cases can be challenging, but the lack of success in the initial attempt raises concerns about the efficiency of your fraud prevention measures. 

I urge your team to thoroughly review my case and take immediate action to rectify the situation. It is crucial for my peace of mind and financial security that these fraudulent charges are promptly removed from my account. 

Additionally, I request transparent communication regarding the steps being taken to resolve this matter and prevent any further unauthorized access to my account. A timely and comprehensive resolution is essential to restoring my confidence in your company 's ability to protect its customers from fraudulent activities. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC (AL)

Shell point Mortgage has made a hard inquiry on my credit report. I did not request this and I am not even trying to apply for a mortgage. It shows they did this on XX/XX/XXXX, this was discharged in Bankruptcy in XXXX. No reason they pulled my credit. I would like this removed immediately.
Consumer complaint received 2024-02-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trojan Professional Services, Inc. (NJ)

XXXX bill collector company XXXX has negatively impacted my credit report for something that is not owed. Ive asked several times for a detailed bill but has never received one. We carried two insurances at the time and all should be covered. Office never stated there would be a balance owed or that something wasnt covered. They just went along with services without being honest of the amounts
Consumer complaint received 2024-02-02
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc. (MI)

XX/XX/XXXX, XXXX XXXX, and the XXXX. 
XX/XX/XXXX, XXXX XXXX, XXXX and the XXXX. 
XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and the XXXX. 
XX/XX/XXXX, XXXX XXXX and the XXXX. 
XX/XX/XXXX. 

They have called multiple family members phone numbers and left very very nasty voicemail. Repeatedly calling my husband 's phone XXXX XXXX and even XXXX times a day from different numbers. I realize I have debt that needs paid but when trying to negotiate a payment plan or even a pay I full price. Very rude and disrespectful it's over the line of harassment now. They have called from a total of XXXX different phone numbers.
Consumer complaint received 2024-02-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (TX)

We recently decided to give Wise a try. 

On XX/XX/XXXX, we sent money via XXXX transfer # XXXX through Wise. As of XX/XX/XXXX, our supplier that we have previously done business with has not received the payment. 

We started to contacted Wise on XX/XX/XXXX about the delay. We were told to wait to reach its destination. 

Today, they referred me as XXXX in their response email which is not my name. We are just getting generic responses from them.
Consumer complaint received 2024-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP (DC)

On XX/XX/2024, I paid half of my upcoming mortgage payment amount due on XX/XX/2024. When I tried to pay the remaining half of the mortgage payment amount on XX/XX/2024, I noticed the XX/XX/2024 payment was applied to an escrow account, not the principal and interest of the mortgage. I called the bank on XX/XX/2024 but its mortgage customer service department was closed. On XX/XX/2024, I called and spoke with a representative from the mortgage department who confirmed the XX/XX/XXXX payment was applied to an escrow account. I asked that the payment be applied to the XX/XX/XXXX principal and interest payment due with the correct as of date to match when the payment was received by the bank. The representative explained to me that the bank did not accept bi-weekly payments for principal and interest and could not process the XX/XX/XXXX payment towards the XX/XX/XXXX payment due until the full payment amount was received. Further, the representative indicated the payment would be applied based on the date of the later payment and not when the monies were received by the bank. This process does not allow consumers to pay down principal and interest faster on mortgages and disadvantages consumers greatly. The process is intentionally set up to prevent consumers from paying their mortgages quicker and is not transparent to the borrower upfront as part of the mortgage origination process. The bank says that it does not charge pre-payment penalties to mortgage borrowers but is not transparent in that they do not allow consumers to make mortgage prepayments.
Consumer complaint received 2024-01-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (IL)

Complaint Details This business took an unauthorized payment of {$400.00} from my checking account on XX/XX/XXXX, which took my account into the negative. I had NO payment scheduled. During a conference call with Santander and XXXX, it was confirmed that the money had cleared my checking account, with no chance of being returned for insufficient funds. The Santander agent told me that rather than refund it, it would be applied to my loan, which it has not been. The last posted payment is XXXX, in the amount of {$200.00}. Now Santander is stating they have no info regarding this {$400.00}. The bank has not returned it, and Santander has no record of it. Now I am considered delinquent on my account by more than 40 days, which I wouldnt be if they applied the money to the loan. Santander owes me that {$400.00} Update. XX/XX/XXXX Santander has every piece Of proof they have requested, including my bank statements from the date of the transaction XXXX, up to last friday, XX/XX/XXXX. There have been multiple conference calls to my financial institution, including one with the electronic funds department, ALL confirmed that Santander was the last handler of the funds. It cleared my bank account, there was no return, it was not applied to my loan, and Santander is acting like they know nothing about this complaint, every time I call. They even reported this as delinquent to the credit bureau.
Consumer complaint received 2024-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

I scheduled a payment of {$18000.00} on XX/XX/XXXX at XXXX PST to pay off my student loans through the website. This was the entire loan balance left on my account and the website did not allow me to enter any values above what I owed because it is the maximum amount. The payment processed on XX/XX/XXXX and the balance on the website after the payment processed was {$0.00}. I checked my Nelnet account on XX/XX/XXXX and now I owe {$100.00}. I don't know where this {$100.00} came from. I contacted Nelnet, spoke to a representative over the phone, and the representative mentioned that processing payments take time, therefore while my payment was processing, interest accrued. However, after my payment in XX/XX/XXXX processed, I somehow still owed {$100.00}. The representative later told me that the {$100.00} is from the interest accrued by XX/XX/XXXX, but this was never reflected on the website and was not calculated as part of the payment balance. 

The representative also told me that if I paid {$100.00} today ( accounting for interest accrual until the payment processes ), I would payoff my loans. When I tried to enter this value into the website, an error occurs where I can not make a payment value ( {$100.00} ) that exceeds my balance value ( {$100.00} ). 

The Nelnet website provided me with inaccurate information about my loan balance and persists the inaccurate information by not allowing the user to enter a value higher than the inaccurate account balance to pay off the balance ( accounting for interest accrual for the days it takes to process the payment ). How is a user supposed to know that the balance on the website is not the entire balance?
Consumer complaint received 2024-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NH)

On XX/XX/2024, I sent {$120.00} to a friend, named XXXX XXXX, via PayPal. After many conversations with PayPal, they advised that there is another XXXX XXXX and my money was sent to him. PayPal has been unwilling to correct their error and return the money to my account. I did some XXXX research and found that the person they sent my money to actually passed away last year at age XXXX. Even after I brought this to their attention, they have still not corrected their mistake and returned my money.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Prosper Marketplace, Inc. (FL)

I initially called in XXXX last year to report charges as fraud through prosper credit card. My credit card was physically stolen and used. Since then, I received a brand new credit card number and got no response afterwards. I then called a few more times over the next few months to follow up. There has been nobody calling me about this. The charges that are fraud are from XX/XX/XXXX. There are 12 transactions total. 1 was declined. 

This is what I see on the app : Everything on XX/XX/year> XXXX XXXX ( denied ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Total of XXXX I have called numerous times and in XXXX was told no fraud claim has been filed. Since then, Ive contacted them 5+ times with no updates. I just contacted them again today and the representative supposedly filed a claim. They say that there is no claim number or anything. I even sent emails. Ive contacted the bank that sponsors prosper card services and the lady tried to help me get them to contact me. Still nothing. 

I was told through a recent email that back in XXXX, I never reported the charges as fraud which is either a lie, or their mistake. I 100 % reported these charges as fraudulent and I think the representative made a mistake. Either way, I contacted prosper and made sure to let them know about the fraudulent charges. As far as I know, the representative may or may not have filed a claim but I have no idea. They cant give me any information and it is very frustrating.
Consumer complaint received 2024-01-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (KY)

XX/XX/XXXX me and My Wife went to freedom XXXX XXXX and XXXX in XXXX XXXX we wanted to explore the lot to look for something reasonable that we could afford and they put us in a XXXX XXXX XXXX. The price was XXXX by the XXXX XXXX XXXX. The interest rate came up to XXXX then the same day it went up to XXXX. They added My Wife on the contract with me. They took her off and left me on there with her income stating that I was making {$3200.00} a month but that was a lie I was only making {$2600.00} a month. Shes not on the contract its only me for the vehicle that I have is {$1100.00} a month. I was supposed to be a cosigner for My Wife the bank that they giving me is in Texas. I have no clue about Ive contacted the bank numerous times, and told them that I could not afford this vehicle I wish to trade it in, they told me I could not try the vehicle because the loan was too high Me and My Wife went to three different car lots and they told us they can not take the vehicle because it was from XXXX. Another car lot told me that were upside down because they added on XXXX more dollars on the vehicle. The bank knew all about what XXXX XXXX he did, Ive contacted freedom XXXX back in XXXX when I got the vehicle and asked him could I trade the vehicle in because the monthly bill was too high and I can not afford it anymore. I need something cheaper. I also try XXXX XXXX and my credit score is just too low for me. I dont have a license or permit, so My Wife has to drive the car, the bank is not doing anything about it. XXXX just saying that they are going to repossess the car. If I dont start making payments, I have other bills I have to pay XXXX XXXX by my own food. I cant afford that monthly payments just too high.
Consumer complaint received 2024-04-18
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Security Credit Services, LLC (FL)

Requested to get a copy of my ID presented at purchase which this company should have taken a copy of in order to complete purchase and the ORIGINAL CONTRACT WITH MY SIGNATURE MATCHING THE SIGNATURE ON MY Id that was presented at purchase they can not present that information they have electronic signature that dont match my ID on there not contract and there contract there presenting is a copy not the original contract.
Consumer complaint received 2024-02-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

1 ). I wanted to pay my monthly mortgage of {$2.00}, XXXX ( Principal and Interest XXXX + {$1000.00} increase in Escrow ) today being XXXX XXXX, but Lakeview refuse to take my payment both online through their portal and phone call, because they want to coerce me to make another increased payment for them to claim late payment later. 

2 ). On XXXX XXXX, I made mortgage payment of {$2200.00}, and by XXXX after MI deduction, My Escrow account balance was {$2.00}, XXXX, All of a sudden, XXXX disbursed another fund of {$2100.00} from my Escrow account again on XX/XX/XXXX after the Insurance has long been paid in XXXX? And when they realized on XXXX It was NOT returned back but they claimed it as Corp. Advance repayHow? Lakeview should refund this money back to my Escrow. SEE in the attached extract. 

XXXX ), Kindly, look at the table attached, Guaranteed Rate and Lakeview-Loan care should refund money taken out of my account Escrow account, to leave a positive Escrow balance of {$1700.00}.
Consumer complaint received 2024-01-30
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I submitted a dispute transaction claim on XX/XX/XXXX for XXXX. Capital One sent me an update letter on XX/XX/XXXX that did not credit the entire amount and closed the case. I faxed an appeal statement on XX/XX/XXXX consisting of a signed and dated letter and supporting documentation. This was in lieu of uploading my supporting documents online as the company repeatedly had technological issues. The company sent an update letter on XX/XX/XXXX stating information was lacking, they are unable to assist, and closed the case.
Consumer complaint received 2024-01-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (PA)

On XX/XX/year>, I received an email from Affirm ( www.affirm.com ) stating that an account was created using my email address, for a person named " XXXX ''. I do not know who XXXX is. I did not verify such account creation with my email address, and did not ever and do not now consent to doing business with Affirm. Affirm did not take appropriate steps to verify that my email address was associated with the correct person. Since Affirm does not know their customer, I am concerned that this increases the probability of fraud. 

Despite multiple tries navigating Affirm 's website and calling their toll-free number, I am unable to find a way to communicate this to Affirm so that my email address can be removed from their system. Every avenue I could find leads, at best, to a form that does not address this problem. Affirm does not provide a way that could be reasonably used to rectify this problem.
Consumer complaint received 2024-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (MI)

NewRez LLC has purchased my mortgage from another lender. This is my mortgage for my condominium and primary residence. 

They have sent multiple letters threatening to purchase " hazard insurance '' on my behalf, after I have provided all of the documentation they have requested. This hazard insurance has been purchased by my HOA, on time and with out any lapses, and I have provided this information several times. 

They are threatening to purchase this insurance to cover dates IN THE PAST (? ) at an expense that could be " significantly more than insurance I could buy myself '' ... it's outright fraud. 

The XXXX automated system, online help, and phone hotline are a dead end. No one calls back, no one can help. 


XX/XX/XXXX : Original letter from XXXX stating that they need a copy of my HOA hazard insurance. 

XX/XX/XXXX : Called and representative said it was just an initial letter and no policy would be purchased without more warning. 

XXXX  : I obtained and sent all of the insurance information. 

XX/XX/XXXX : Received second letter from XXXX saying what I provided was sufficient. 

XX/XX/XXXX : Received a new letter that says it's my final notice (? ) and need insurance information for dates that have PASSED, XX/XX/XXXX, XXXX XXXX, XXXX or I will be charged + {$500.00}. 
- XXXX does not include a place to send the information. 
- Chat agent is unavailable, no one calls back, on hold endlessly. 
- Asking for insurance information for dates that have passed and threatening to buy insurance for past dates and charge me for it (? )... For an insurance policy that isnt mine ( responsibility of the HOA ), for a policy that Ive already given information for. 

XX/XX/XXXX : Uploaded insurance document for all of XXXX to cover their new dates in question. 

XX/XX/XXXX : Received an email saying they received documents and will update my information within XXXX hours, they provided reference : XXXX XXXX XXXX New letter dated XX/XX/XXXX saying I havent provided the insurance information that I HAVE provided, and outlining a cost, for insurance that I dont purchase, for dates that are in the past. They say they will purchase this and add it to my escrow balance. 

XX/XX/XXXX : Filed complaint with XXXX 

XX/XX/XXXX : They have not returned my call for XXXX hours. XXXX system is a dead end. Online chat just gives you the number to their insurance department that no one answers. 

Infuriating and should be considered unlawful consumer harassment.