davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Data Mortgage Inc. (GA)

In XXXX XXXX XXXX I went into forbearance with my mortgage company. I asked lots of questions to ensure my home would not be taken away from me. That person verified those things for me. In the midst of coming out of forbearance, I guess they did some type of merger with a contractor or something of that something of that sort. They have no previous documents of my forbearance documents and I am unable to pull up my online account to resume making payments. This has been the most FRUSTRATING process ever. I don't know what is going on with my home loan. I have gotten no response from them regarding this situation. I have called a million times and I have sent emails to prevent a foreclosure. I need some answers now because the clock is ticking. The automated systems says someone will call, they never do. Please help with this. The mortgage company is called Essex Mortgage. I need them to contact me ASAP.
Consumer complaint received 2023-08-31
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Uplift, Inc (SD)

RE : Uplift , Inc. 
Loan # XXXX I sold some property, and the Title Company sent Uplift , Inc. ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) a payoff for my loan ( account number XXXX ) with Uplift from the proceeds of the sale of the property. The Title Company sent a check in the amount of {$550.00} which created a credit balance of {$58.00} on my account with Uplift. On Tuesday, XXXX XXXX, the date Uplift received the payoff check, they ( Uplift ) sent me an email stating that they received the payoff check and there was a credit balance of {$58.00} on my account. The email went on to say that they would issue the refund check back to the Title Company and that they would not send me the refund check. I called Uplift ( XXXX ) and spoke with several representatives. I was told that it is their company policy to send any refund to whoever wrote the payoff check and that they would not send the refund to me. 

After several additional calls to Uplift, I finally received a call back from a supervisor named XXXX. XXXX again gave me the same response that all of the other representatives gave me and restated that it is their company policy only to issue refunds to whoever wrote the check, not the actual account holder. She finally agreed that if the Title Company sends them an email giving them permission to send the refund check to me the Uplift account management team would review that request and consider sending me the refund check.

In speaking with the Title Company, they advised me that they are starting to see this tactic from banks who are in financial stress as an effort to keep customer money in their accounts. They advised me that when this has happened in the past checks are mailed to them with no customer information and that it can take them months to figure out who the refund belongs to. In the meantime, these checks remain uncashed or are never cashed so the banks like Uplift retain these funds. 

I am asking for your assistance in addressing this concern. 

Sincerely, XXXX XXXX. & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Home Phone : ( XXXX ) XXXX Cell Phone : ( XXXX ) XXXX
Consumer complaint received 2023-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MI)

For student loan payments made during the covid forbearance period we were eligible for refund until XX/XX/2023. Nelnet 's phone 's were down from XXXX on and you were unable to get ahold of them to request a refund through an application. There is no way to do this online. When called the next day they stated it was past the deadline, although they were not open to take calls on the deadline date. After speaking with multiple nelnet employees they did place an application but states they are unable to determine if it will go through due to placing application " late ''.
Consumer complaint received 2023-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX these accounts have violated my rights. These inaccuracies are keeping me from getting a home loan. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (OR)

Ive requested in several places that Synchrony Bank close my account yet the refuse. Attached is the letter I sent today. They MUST stop disregarding my request. Id never be a valued customer of any company that steals from me. Yes they have by disregarding a valid complaint forcing me to pay a dentist who did nothing but produce a bogus treatment plan of over {$10000.00}. UNBELIEVABLE!! Good riddance Synchrony Bank. This very unfortunate experience forced me to read online horror stories, and its clear your lack of integrity in this case has saved me from future pain. GE Capital is who you really are, and you are still engaged in the same filthy dirty behavior.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

This loan is reporting wrong facts. I do not owe XXXX XXXX paid XXXX. XXXX paid gap XXXX. Warranty refund check of XXXX was paid and refund on gap XXXX. Was applied. The rest of loan is recycled and I have a due payment on XX/XX/XXXX of XXXX. This payment is current. I am not late. Nor have I ever been late. They reported me 30 days late and behind. I want this all updated amounts and no lates. Remove all lates.
Consumer complaint received 2023-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I disputed the collection with the the collection agency my claim shows evidence of identity theft from a police report. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. These delinquent account record is inaccurate. I request that the following account be promptly removed immediately off of my credit for XXXX {$790.00}.
Consumer complaint received 2024-01-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: MIDFIRST BANK (VA)

At the start of Covid I had applied for mortgage assistance XXXX XXXX had me sign a document that would push my mortgage back until I was caught up. The amount was for like {$77000.00} and some change. 
That was the first lien put on my property because I have a VA loan and so that being said there should not be another lien on my property. The first one was signed on XX/XX/XXXX of XXXX to keep me in the home to help me with my payments to lower them, etc. etc. Then on the XXXX month of XXXX XXXX XXXX took it upon themselves without my knowing and my knowledge and a Forge signature, put a second mean on my property for {$21000.00} and some change. I did not find out about it until I started a refinance because I wanted to pull money out so I can do home improvements and to invest into four different investments, and to start my XXXX XXXX well the process started in XXXX the documents were requested in XX/XX/XXXX and the mortgage said OK well get this back to you in seven days. They realize that they put two liens on my property and failed to take it off within 30 days here it is now, XX/XX/XXXX. Now it is XX/XX/XXXX, XX/XX/XXXX, and so on and so forth mortgage has failed to present anything to take the lien off, and the reason is because they committed fraud by them doing this, it is preventing me from getting my four whole life policies which were locked in an age XXXX and 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, Im taking all their assets all of it number XXXX I have XXXX whole life insurance policies that were locked in at XXXX. If those policies go up because Im not able to pay for them because I was going to use my refinance for that then XXXX XXXX is going to pay for that as well separately, so that is why Im reporting this because they filed an incorrect lien on my property for my signature and then recorded it at the staff courthouse and the person is responsible XXXX XXXX XXXX for the notarization and the prepare XXXX XXXX and the problem is there can not be error of reporting because if it was air reporting you missing some XXXX  or adding some XXXX let me one maybe Ive done it a week after this was done months after five months after so this cant be a clerical error. This is fraud to prevent me a person XXXX XXXXXXXX from prefer pursuing life of XXXX and all that this was purposely done XXXX XXXX mortgage to keep me from doing what I need to do
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

I had been trying to dispute this account for inaccuracy of my credit report and getting this repossession removed from my credit report the remaining balance is very much incorrect, I never received any documentations from the company when they took actions upon theirselves I would like for the account to be removed from my credit report immediately the amount shown on my credit report is inaccurate and the address is wrong as well where I have never lived. Under the Fair Credit Reporting Act using 15 U.S.C 1681.
Consumer complaint received 2023-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (AR)

Recently my student loans were bought by Nelnet from Great Lakes. They told me interest starts again in XXXX. However, I am a student and am trying to get payments deferred. I tried to make an account but the website says unable to make an online account. I tried resetting my username and password ( in case the account transferred over ) and it says it sent me an email but won't tell me what email it was sent to so I never received anything. 

I attempted to call the customer service line within the stated hours on the website, and it keeps telling me there is a 30-minute wait, followed by its 'out of hours ' then forces an end call. I have called them at least 5 times between XX/XX/XXXX and XXXX. 

This is either a predatory action to make more money due to interest by making the process for customers overly complicated and confusing. Or this is straight-up negligence and this company should not be in the finance field.
Consumer complaint received 2023-03-11
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. (IL)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$3400.00} XXXX  XXXX XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2023-08-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (MI)

In XXXX of XXXX  I opened a savings account with Citibank over the phone, they representative inputted an incorrect address causing them to be unable to verify my address. Id already deposited {$5500.00} when they decided to close my account. 
Despite me sending multiple documents to prove my correct address, they kept send the balance of my accounts to the wrong address. Eventually they were able to send it to the right address, but they did not send the entire balance. 
I am still owed {$500.00}, after months of calling and being told to call back, I still have not received the rest of my money.
Consumer complaint received 2024-03-27
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: Experian Information Solutions Inc. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00}
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (FL)

I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. I sent letters on XX/XX/23 and XX/XX/23 certified mail and the inaccurate information is still on my consumer file/credit report and nothing was done.
Consumer complaint received 2024-03-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC (CA)

I have been asking Selene to justify my loan balances by giving me accurate figures.

I am behind because of COVID restrictions and rules, however after receiving conflicting information from Selene I have been asking and disputing my loan balances. 
After returning to work after COVID mandates. I applied for a modification. Selene has repeatedly denied giving me a medication. 
On XX/XX/XXXX Selene sent me a statement and reinstatement amount for XXXX. I started questioning the amount. I kept asking for an accounting On XX/XX/XXXX, I received another statement showing XXXX. I immediately call Selene to inquire as the which amount is ligitimate. No one was able to give an accounting or point out the error. To date no one at Selene or any other of the previous lenders has given me an accounting of any errors regarding this mortgage loan. 
Please see attachment for statements and reinstatement quote. I am still disputing the valves not that I signed. I am currently disputing the accounting and balances owed. 
These mistakes has created a real hardship and I feel I should be allowed to continue with making my loan balances. Selene mistakes has cause me not to qualify. I am asking for a complete accounting showing why XX/XX/XXXX statements is due XXXX and the current for XX/XX/XXXX for XXXX to reinstate. 
Selene has cause additional hardship other than COVID restrictions and guidelines They disqualified me based on inaccurate information. I am asking for a complete breakdown of all transaction from the time I incurred this mortgage until present. 
Thank you
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 2023-08-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: DApps Platform, Inc. (PA)

Commencing on or about XX/XX/2021, I fell victim to a multilayered hack operation orchestrated by ( the Fraudsters or Hackers ), with the design, development, manufacture all of which aim at contributing to the goal of robbing and defrauding innocent people, through a predetermined cycle of victims losses to their gains. 
The equivalent of XXXX USD was transferred from my wallet utilizing your services.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AL)

I submitted a credit card payment of {$180.00} to be paid to XXXX XXXX on XX/XX/2023 from my Wells Fargo checking account. My ending daily balance was {$720.00} on XX/XX/XXXX. There were sufficient funds to make the payment. When I checked my account on the morning Friday, XX/XX/2023 I saw the payment was pending out of my account. I checked my account later in the day, and the payment had posted to my account. It was not in pending status anymore. I checked my account several times over the weekend because I was waiting for another deposit to become available. Every time I checked my account, that payment was recorded as posted. Today, I received notification from XXXX that my payment had been reversed. I logged into my online account, and there was no record of the transaction anymore. I contacted Wells Fargo to find out where the payment went, and they reversed posted payment overnight on Monday, XX/XX/XXXX, claiming I had insufficient funds for a payment that had already cleared. They also failed to notify me of this. There were SEVERAL transactions made and bills paid after that one transaction. It took longer for the deposit I was waiting on to show up than expected, so I did have to use my overdraft protection from my savings account and my account balance got down to {$22.00}. I monitored the account ALL WEEKEND and all day Monday to make sure there were no issues. On Tuesday XX/XX/2023 is when XXXX received notification that the payment had been reversed and they notified me today, XX/XX/XXXX. Wells Fargo intentionally changed the order of my transactions and reversed a posted payment. I asked if I could have a printout of the transactions in the order they were processed from my local branch. I was informed by the customer service representative that they have a different view from what he has and no records of how these transactions were processed could be provided to me. I opened a formal complaint with Wells Fargo and was told it could take 12 business days to hear anything. Customers, local branches, and customer service should all have the SAME VIEW. This is MY MONEY. The payment should never have been returned because I had sufficient funds. Additionally, per Wells Fargos own policy, I have access to direct deposits immediately. The additional deposit was available in my account on Monday night, but what my online banking shows now is that it wasnt available until Tuesday morning. Regardless, the funds were there. Because Wells Fargo chose to change the order in which my transactions were processed and delay crediting a deposit, they claim I had insufficient funds and returned a payment that cleared on Friday, XX/XX/XXXX and have now cost me additional fees. Wells Fargo should be responsible for reimbursing me those fees since they caused me financial hardship with their shady business practices.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

During the year of the XXXX XXXX pandemic I lost employment due to the severity of the impact. 
I did not have an income and therefore capital one reported my Credit card payments late even though mentioned they would have relief for affected individuals due to XXXX XXXX