davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

I am a XXXX XXXXXXXX out of XXXX XXXXXXXX. My clients job has been done for several months, has passed local building department and also the third party inspection required to release final funds from LoanCare. They will not release the funds. It is a constant resending docs to them I already sent, everyone comes up with a different reason why. Why are they holding our money. We are trying to be very nice and patient but its been months. Today we call. Again its another doc this time I se I already sent it to them XX/XX/XXXX. So cant use that anymore. I ask for a supervisor. They send me to a Resolution Department. There its the same story. I ask for a department manager. She puts me on hold for 20 mins! Never came back to say Sorry just a bit longer. No. I wasnt given that respect. She comes on and says she was in unable to get a supervisor. I ask her name sue says XXXX XXXX. I ask for her managers name. She doesnt answer me. Starts typing quicklysilence. Im like hello. Shes mumbling ohh I dont know I have to see who will call you. Theres several. Im trying to see if I can even do that. So she claims someone will call. Theyve done this before. No one calls. This was today XX/XX/XXXX XXXX XXXX XXXX time. The complaints about LoanCare online are real. We work with mortgage companies all the time. I have never seen a company act so ridiculous rude and make up reasons why not to give out funds.
Consumer complaint received 2018-07-05
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: Experian Information Solutions Inc. (MO)

I have 3 accounts on my credit report inwhich are not mines, nor do I know who added me to them. I'm asking that this accounts be removed. 

1 ) XXXX XXXX XXXX 2 ) XXXX 3 ) XXXX XXXX
Consumer complaint received 2018-07-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

My loan number is XXXX my interest rate is 7 % I have a mortgage payment with Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX, SC XXXX phone number XXXX, I am current with my mortgage and on XX/XX/2018 I wanted to pay more to my principal and Escrow to pay more off and their pay buy the internet website does not allow you to pay XXXX to XXXX dollars extra it automatically gives you a message that reads " You can not make this payment due to a balance! '' well thats what im trying to do. I believe this company does this on purpose so they can charge you more interest on the whole balance which is a terrible practice. I also called on XX/XX/2018 to ask if i can buy a point down to lower my interest and they say they don't do this. I want to be able to pay extra on my account like pay on my principal and escrow and be able to buy my interest down if possible.
Consumer complaint received 2018-07-03
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: Fairway Independent Mortgage Corporation (NC)

We have a conventional loan on a rental property with XXXX Mortgage and the servicer is XXXX I believe. I have filed a dispute with all three credit reporting agencies as well as XXXX. XXXX says they deleted the item but XXXX refuses to remove it and that is affecting our XXXXn and XXXX report. This report caused a line of credit to closed and will affect us for 7 years. We have NEVER had any item reported on our credit nor been late or collected upon. This is a situation where the check was lost in the mail. We were not notified personally by phone ( because XX/XX/XXXX did not have our correct contact information and you will see documentation verifying our phone numbers have been changed in their system. The notices that we received in the mail we assumed crossed paths with the check ( as many times happens ) since the check had been mailed on time. Once I finally contacted XX/XX/XXXX by phone to find our what was going on ( they never contacted us by phone ). The double payment was made THAT DAY to correct the error and a stop payment placed on the original check, which has never shown up. All of this is documented and we feel unfairly treated due to all of this human error and the fact there was no contact by telephone to alert us of this error.
Consumer complaint received 2023-02-14
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. (PA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My husband and I were discharged from our chapter XXXX bankruptcy in XX/XX/XXXX. We realized in XX/XX/XXXX that our mortgage was not showing on Transunion and XXXX credit reports when we tried to apply for a safe tub. It was showing only on the XXXX report. I called the bank. They sent me a letter dated XX/XX/XXXX, to forward to both credit bureaus. 

I called both credit bureaus several times and wrote letters. I spoke to the representatives and informed them I had sent them letters pertaining to our mortgage not showing on our credit reports on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I told the representatives they did not respond to my letters. They said they had no file for my husband from XXXX XXXX XXXX XXXX XXXX. I told them I sent them three letters with the date I previously sent it on the top and the letter dated XX/XX/XXXX, and XX/XX/XXXX, had the response from my bank. I told them it was showing on XXXX and they never responded. Please advise.
Consumer complaint received 2018-07-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (AZ)

I have sent several requests to get my payments lowered and have been denied. They want me to pay XXXX a month and I only bring home XXXX every 2 weeks with XXXX children to take care of. So now I have to get back into college, take up more debt, because I cant afford these payments and it is stressing me out with every email that they send. I call on the phone and they just refer me back to the forms online. Then I didnt quality for the military discount because my loans are consolidated. But I completed the consolidation to have 1 low payment. So that means XXXX provided me with false information and I could have benefited from the military discount.
Consumer complaint received 2018-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (AZ)

Regarding Citibank Double cash Transfer Promotional Offer. New accoint open for the purpose of this benefit. False marketing and citibank manager XXXX told me they will not meet the terms if check isnt processed by a specific date. 

On XX/XX/2018 I wrote a new account citi bank check ( *credit card check to pay off debt ) to  XXXX to pay a " promotional '' transfer of zero %, interest of {$800.00}. Since that date I've been watching for this transfer take place. Each time Ive looked Citibank card still shows a balance XXXX/not reflecting the amount i wrote the check for. I have not heard from XXXX that the balance transfer or payment did not go through and its been a month now. * ( Kolhs account still displays XXXX owed, no one from XXXX has told me there was an issue with the check ). 

Today, XX/XX/2018, I called citibank. XXXX CSR said " they had nothing to do with it '' and basically he and his manager pointed their fingers at XXXX. Telling me my offer will expire and not Citibank 's problem. 

I was also told that they will not honor the promotion if XXXX does not cash the check before the XX/XX/XXXX. They did not offer a solution.. nor did they offer to extend the offer .did not offer to contact XXXX to help find a remedy. 

As a consumer i did my part. I wrote the check, gave it to the cashier at XXXX.. thus same check did not work at Chase online either however i paid cash for that account. 

XXXX the escalations manager was extremely rude reciting the same thing the CSR XXXX said.. volleyball-ing blame to XXXX.. who they say needs to cash the check already.. telling me if it doesn't cash before the XX/XX/XXXX i will not get promotional offers. I'm not happy and feel my credit took a hit applying and getting approved for something i am not going to receive. False Marketing.

I feel that this is Citibanks issue since the check was cashed by XXXX..* ( called manager already he looked ) and citibank is shifting the blame. The promotional offer will not be given..if the check isnt cleared in their system by XX/XX/XXXX!
Consumer complaint received 2018-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I have an account listed on my credit record as sent to collections for non-payment. This is incorrect for several reasons. The account was open in XX/XX/XXXX at the XXXX  college of XXXX two months after I opened the first loan in XX/XX/XXXX. The loan opened in XX/XX/XXXX, went into in school forbearance in XXXX, while the XX/XX/XXXX loan went supposedly into collections. I was never contacted by a debt collector to recover this amount of {$2700.00}. This is the only student loan that I am having an issue with even though it is not my oldest loan. I am currently in good standing with other loans. Ive contacted XXXX, XXXX XXXX XXXX, the federal student loan debt hotline, and everyone has stated that I am not nor have I ever been default on a student loan. When I disputed it, my credit file was updated to say I paid the account which is totally false I have not paid any student loans as I have recently completed my XXXX degree.
Consumer complaint received 2018-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MI)

Hello, We have our home mortgage serviced by Caliber Home Loans ; XXXX. XXXX XXXX XXXX, TX XXXX, toll free ph # XXXX 
Starting XX/XX/2018 onwards I was surprised to find out there is a new {$3.00} service charge for making XXXX time online payments via your own bank. I have had my mortgage serviced thru Caliber Home Loans since XX/XX/2013& have always made one time online payments without any fees & never been late. To avoid the fees I need to enroll into a automatic monthly recurring payment. 

Can banks charge fees randomly at any point? I feel this is unfair practice & I got no option other than enrolling into their auto pay which I am not comfortable.
Consumer complaint received 2018-07-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS) (CO)

The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protections website at www.consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document.
Consumer complaint received 2022-08-23
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: EQUIFAX, INC. (NV)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681. I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: DFC Global Corp. (CA)

On XX/XX/2021 I noticed that {$5600.00}, was taken from my momentum mastercard, which is a prepaid card sold at Money MarXXXX locations. I immediately called XXXX mastercard to get it cutoff so that no additional charges can be done. I was sent a dispute form with all the charges and told to email it back, which I did the same night. They said it can take up to 90 days but to call back in 10 business days because I can be reimbursed sooner. On XX/XX/2021 I was notified by two banks about my info being used to open credit accounts. On XX/XX/2021, I went to Money Mart to speak with the Manager at store XXXX in XXXX, CA and she positively identified her employee from my bank statement as the person who was transferring funds from my account to herself. Not to mention, the same employee was also fired for stealing money orders from the company.On XX/XX/2021 I spoke with XXXX at Money Mart head office and emailed the police report. On XX/XX/2021 I file a complaint with the DA office. Money Mart Corp. office is fully aware of the incident and I've been very cooperative, they have all the proof and evidence they need to prove negligence, fraud and identity theft but they have not reciprocated the same response. Its now, XX/XX/2021,14 days later and still I have no money, no response or corrective action taken. Im am mentally, physically and beyond exhausted with being treated unfairly by this company with bad business practices. I trusted this company to protect my personal information and finances and that trust has now been broken. They have not even attempted to notify other customers of the identity theft and fraud committed at the XXXX location as others could potentially be at risk. At this point my entire identity and finances is in the hands of a theft that Money Mart employed and trusted with their customers information. Money Mart is dragging their feet with the Investigation. There's no need for an investigation when the evidence is firm.I want others to know about this and to take my experience as a reason to take extra precaution when dealing with untrustworthy employees and companies. This is a clear case of them protecting there personal liabilities over public interest and its unethical.
Consumer complaint received 2018-07-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: First Data Corporation (TN)

On XX/XX/2018 at exactly XXXX XXXX I stopped at XXXX XXXX XXXX on XXXX XXXX in XXXX, TN XXXX. I purchased exactly {$10.00} in gas at the pump which turns out that FIRST DATA does the card processing for. 

Exactly 5 minutes later, FIRST DATA emptied the rest of my bank account without my permission or knowledge totaling {$39.00}. 

My debit card is issued through XXXX and when called, they said that they could not do anything about it. 
I contacted, or at least tried many times to contact all the misleading numbers for FIRST DATA and when i finally got an answer was told that they would contact the " right people. '' I have since contacted the XXXX about FIRST DATA and the negative reports that this company FIRST DATA has going back years is mind blowing! 

That fact that this company is allowed to ruin small businesses and flat out rip off citizens by the thousands and still be in business all these years is outstanding! 

The owner and the management should be behind bars for numerous felonies.
Consumer complaint received 2018-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (MN)

In XXXX, XXXX I opened a Huntington XXXX checking account and I was supposed to get a {$200.00} bonus after depositing more than {$1000.00}. See attached screenshot. 

Fine print from bank : To qualify for the {$200.00} cash bonus, you are required to open a new, qualifying Huntington 5 Checking account by XX/XX/XXXX and make cumulative new money deposits into the checking account of at least {$1000.00} or more within 60 days of account opening and keep your account open for 90 days. 

I satisfied the terms but did not get the bonus. So, on XX/XX/XXXX, I contacted the bank. Now they are telling me that the {$1000.00} deposit has to be in direct deposit and they refused me the bonus. Even when I opened the account the banker " XXXX '' clearly told that I just needed to deposit {$1000.00} to get the bonus. 

If that is the case, why don't you mention clearly in the screenshot and fine print. These are deceptive practices to ensure I do not get the bonus. 

I want CFPB to ensure Huntington grant the {$200.00} bonus as promised.
Consumer complaint received 2018-07-03
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: Ditech Financial LLC (GA)

On XX/XX/2018 I called my mortgage company Ditech due to my bill payment. After they resolved my bill payment problem, they solicit me and told me about refinancing my mortgage. The representative told me about the program and asked a few questions and asked me if I would be interested. I said yes. They sent me papers to sign electronically, didn't disclose the interest rate or anything in detail, just general questions. Next think I receive a credit report in the mail. Ditech pulled my credit without my knowledge. The representative did not ask me if it was OK to pull my credit. They had all my personal information and I guess they felt it was not necessary to ask. I would have told the representative not to pull my credit. He sent me paperwork to sign a refinance and if I would have gone through the paperwork, I would have done something I did not authorize. They continue to send me paperwork with urgency to sign. This is not the way to treat consumers.
Consumer complaint received 2018-07-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK (CA)

Discover has called my job multiple times. Starting XX/XX/XXXX.18 until XX/XX/XXXX.18. When i called to tell them to stop because i can not have phone calls coming to my job on XX/XX/XXXX.18. The guy on the phone said that they will keep calling, and to make it stop they need a payment. I explained to him i started a debt management program, and i got behind but i will be dealing with them, and not Discover personally because i have an activate account with them. He then kept trying to set me up with a payment plan with him. When i told him no, he said they have my banking information on file. So i dont know what that was suppose to mean. I then repeated myself, and said i needed the calls to stop because my employer does not allow personal calls, he then said its an automatic system, we can do anything about it. I then told him that there is a way for them to remove my employers number. He asked for my personal cell, which i gave. But i am not sure if he actually did it because he was still trying to sign me up for the program with them. The two people that have called my job are XXXX and XXXX.
Consumer complaint received 2023-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OH)

I called Mohela with questions about my student loans. I was on hold for XXXX hours. Then hung up on. No one ever answered or helped me. No one even tried to contact me. 

I then filled out a message through Mohela 's online portal. 

Several days later, I got a response saying that I had talked to someone in customer service and my concerns were addressed. This was patently false. No one ever spoke with me. No one made any effort to help me. I still have all my questions. 

My loans still show an incorrect number of PSLF qualifying payments. They still do not all show as in repayment. I have not been in school since XXXX. I filed the form to waive the grace period. What is going on? No idea and no one at Mohela will tell me or help me.
Consumer complaint received 2018-07-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Federated Law Group (NJ)

A demand letter dated XX/XX/2018 was received from Federated Law re : XXXX XXXX credit card debt. 

This account was under debt management. 

I notified XXXX about the letter dated XX/XX/2018 and XXXX has removed this account from debt management as a result of the letter. 

Federated Law has requested that I inform XXXX XXXX about payment. On XXXX.18, I spoke with XXXX ( Federated Law representative ) and she requested that I call XXXX as she could not discuss matter further. 

Federated Law and XXXX XXXX have been notified of their individual actions.