davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (WA)

I contacted Loan Depot regarding refinancing two rental properties I have in Utah. I was able to lock in the rate and receive a loan estimate on XX/XX/ and was told the process would take 45-60 days. Checking with Loan Depot 's website it states " Most refinance transactions could take up to 45 to 60 days based on the complexity of the loan. '' The Lending Officer was XXXX XXXX at the time, he is no longer with the company. I quickly submitted all paperwork expecting the loan to close by late XXXX-early XXXX. 

Several months passed and I did not receive any new information about the loan. I submitted numerous emails with no answer. Eventually, I received a message from the Senior account manager, XXXX XXXX, asking for more paperwork as the old paperwork I provided all needed to be updated. 

In late XXXX I received a phone call from XXXX asking about information for the loan. She seemed very uniformed and it was pretty clear that she had not read or looked at any of my paperwork or emails or listened to any phone messages. I provided her with all the information she inquired about. 

By mid-XXXX  I was very worried about the status of my refinance and tried calling and emailing XXXX, her manager, their manager, coporate, the new Lending officer, his manager with no answers. Corporate did not even have any record of my refi accounts and could not help me. 

On XXXX I received a notice from my personal home property that a payoff was requested. After speaking with my bank for a while I was able to determine that this was Loan Depot requesting a payoff on the wrong property, my personal home vice the rental being refinanced. I received an email ( attached ) from XXXX acknowledging the mistake but no following communication about them covering the fees. On XXXX I received another notice that another payoff request on my personal home property was ordered by Loan Depot. They have been using my social and the automated IVR system to request the payoff amount without my permission I have included an email I had sent regarding this but have not heard any word back. 

XXXX XXXX has taken over as the Lending officer in late XXXX after XXXX XXXX departure. After resubmitting many paperwork with her I was told that she would submit my loan paperwork by early XXXX. I have called with no reply back from her when asking about the status of the loan. Recently XXXX XXXX has taken over the loan. 

I have not received any word on why my refinance process has been taking so long. I have excellent credit and have been getting them all required paperwork as soon as possible. I do not know if there is a discriminatory process that has caused my refinance process to take so much longer than the average process. I have called other Loan Depot branches to confirm that the 45 is typical and on more complex cases it can be 60 days.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (WI)

On XX/XX/2021 I contacted Nordstrom Card Services to place my XX/XX/2021 payment in deferred status due to COVID-19. They agreed, and my next payment was subsequently due in XXXX. Unfortunately my account is showing as 30 days late. I have never had a missed payment with Nordstrom, and was under the impression that COVID-19 related deferred payments should be marked as such and not late.

Nordstrom is refusing to alter the account.
Consumer complaint received 2021-04-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (GA)

Hello, I'm XXXX XXXXXXXX XXXXXXXX XXXX XXXX  of XXXX XXXX XXXX XXXX XXXX in the state of Georgia, USA. 

Our congregation supports missionaries across different countries in XXXX XXXX, through our support we help them meet their financial needs. So far we have a list of almost 20 people that we are currently supporting, sometimes we even send money for special projects or unexpected needs such as : family deaths, travel, surgeries and education expenses. 

In response to the continuous block of our accounts and transactions, I have submitted the documents requested to Western Union and I keep being blocked from sending money transfers. I have requested the reinstatement form and submitted a bank statement to Western Union On XXXX XXXX, 2021, at XXXX XXXX and XXXX, XXXXXXXX XXXX XXXX at XXXX XXXX XXXX. and I have not received a response. 

Today XX/XX/2021 I called western union to request a refund that one of our receivers claimed and they do not want to pay. 

This is the money transfer details. 
XX/XX/2021 XXXXXXXX XXXX XXXXXXXX XXXX XXXX # ( XXXX  ) : XXXX XXXX XXXX I hope we can clear this out ASAP. Our people is in need of our support and we have encountered many problems with your service resulting in significant delays. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MA)

I tried to solve this issue but the bank has insulated itself making it unreachable.

I never opted for paperless statements and Synchrony Bank Chose to act unilaterally and without my consent.

The bank also charged a delinquency fee and hurt my credit report on a debt that I never generated and that I did not owe. 

The bank never called me or made any attempt top contact me regarding this debt. 
I never used the card to begin with and the charges appear fraudulent or it was billed without my approval or consent. 

I was charged for a movie pf XXXX that I never authorized ....
Consumer complaint received 2021-04-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates (MI)

I sent a debt validation letter on XX/XX/2021 and LJ Ross Assoicates failed to validate my debt. Instead on XX/XX/2021 they sent me a list of my medical records, which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to my medical information. Please delete this information from my credit file and cease all collections and activities immediately.
Consumer complaint received 2023-07-22
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. (VA)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Consumer complaint received 2021-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

i sent a letter 30days ago to the bureaus they have yet to respond. they i are in violation of 15 usc 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report.
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I previously submitted documentation regarding Identity Theft. I have attached them again. There are accounts on my credit that do not belong to me.
Consumer complaint received 2021-04-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A. ()

1. On XX/XX/2021 I sent money via XXXX from my Citibank account, via online from my computer at home. The amount that I wrote to send was {$25.00}, but I noticed that in the next step before accepting and sending, the amount that appeared on the screen was {$2500.00}. I canceled that operation and did it again. I wrote {$25.00} again, and {$2500.00} came up again ; at that moment I decided to correct it to {$25.00} and before accepting I made sure that what appeared on the screen was {$25.00} and indeed, on the screen I could read " send {$25.00} ''. 
2. Once I applied accept, the next Citi online screen showed the proof of the operation in process for {$2500.00} " pending operation '', sent to XXXX email provided by the person to whom I wanted to send {$25.00}. 
3. Almost inmediately I spoke with a Citibank representative ( Mr. XXXX ) and explained what happened so that the operation could be canceled. That Citi representative took the data and informed me that he registered the case XXXX. 
4. After that I made several calls in which I always pointed out to Citi agents that the problem was due to a failure in Citibank 's online system. This was never rejected or commented on by them. 
5. It was only until XX/XX/XXXX that, through a telephone call, I learned that Claim XXXX was closed by Citi because they did not have enough information. There was no formal communication from Citi about that. 
6. Due to that information in that same call I made a new claim, which was registered XXXX dated XX/XX/2021, I recounted what happened and indicated that I correctly entered " send {$25.00} '' for the second time and the banking system failed and shipped $ XXXX.The Client Service agent Mr. XXXX who received the claim informed me that a new investigation was being initiated and he wrote : a provisional credit decision will be made within 10 business days. Your request has been submitted. 
7. Indeed, on XX/XX/XXXX, Citi made a credit to my account for {$2400.00}, but later they sent me another communication ( XX/XX/XXXX ), in which they informed me that their investigation has ended and they conclude that I misspelled the amount sent for which, they are not responsible. Consequently, they deducted {$2400.00} amount that they previously paid " as a credit '' ( I have never asked for any amount in credit ). 
8. My complaint is that my testimony, apparently, was not taken into account in the conclusion reached by Citibank. I did not write wrong, I made sure that before accepting, what I wanted to send was written correctly, {$25.00}. I pointed out several times that it was a failure of the bank 's system, repeated and therefore, that Citibank decision hurts me enormously, they are My savings. It is not the right thing or fair that due to a failure of the bank 's online system they take that amount of money from me.
Consumer complaint received 2021-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Good afternoon! 
In XX/XX/2017 capital one bank closed my checking account and send me a check with my left funds to the address they had on file. 
I was in XXXX  at the time and could not know about that and could not see the check. Upon asking the bank to provide me the information about my funds they told me the check was cashed by a person of XXXX XXXX XXXX somewhere in Massachusetts in XX/XX/2017. 
They ( Capital one ) sent me the check that it was charged but they could not find the person who deposited it. 
I went to XXXX XXXX XXXX  but they told me they need more information regarding this check to find out the customer who would do it, but capital one could not provide me more information. 
Please solve my inquiry as I truly never had a chance to get my funds back and being XXXX and single I need money ASAP.
Consumer complaint received 2016-09-06
Product: Credit card — 
Issue: Payoff process — 
Company: BARCLAYS BANK DELAWARE (GA)

We paid of our credit card and I paid to much. I contacted to credit card company and requested a refund. The amount is over {$900.00}. For more than 2 months they have said its in the mail. We never received it. We keep calling they keep saying the same thing. We requested the mail it with a tracking number they refuse.we have asked to talk to higher ups, we give our phone numbers they repeat it then when they do n't call we call them and they say we have not working numbers. They have no record of our working numbers. They have offered no solutions and veto all of our solutions.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FISERV INC. (NV)

in XXXX my purse was stolen and I filed a police report. Also, I was a victim of the XXXX XXXX XXXX the same year. In XX/XX/XXXX, I went to XXXX and attempted to purchase my items with my checking account. XXXX denied my check. I called telecheck and they told me they had someone with a simillar Drivers License number that had debt on their file that was linked to my XXXX Report. I immediately Disputed the transactions, as they were not mine and that XXXX needs to put them on the other persons XXXX Report and Remove the negativity from mine. I awaited 45 days while they investigated the dispute and I submitted my bank statements, my ID cards, A handwriitten dispute form, a voided check, and the receipt I got at XXXX showing my check was denied by XXXX, my XXXX Report with the items I was Disputing circled, the police report i filed about my purse being stolen and an ftc report I filed about Identity Theft for the XXXX XXXX breach. 
I sent all these documents into telecheck. I WON THE DISPUTE. They sent me a letter in the mail telling me they removed the negative things from my file. a month later Im in XXXX and attempt to write a check- XXXX Denies it. I call XXXX and they tell me I need to wait another 30 days for the XXXX system to reset itself. 2 months later Im at XXXX, attempt to write a check, XXXX still denies it. I call telecheck and Im told theres NEW debt on my account from someone else with a simillar drivers license number. The XXXX operator tells me I have to put in a new dispute and wait another 45 days. So I do. And 4 months later I am at The XXXX and I write a check- telecheck denies it. I call XXXX and they tell me the amount of the check im writing is " to much '' its " above my normal check writing amount '' so the telecheck system wont approve my check. So i write XXXX for a smaller amount- and still denied. So I submitted another dispute. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have had to dispute again and again the same problem with XXXX XXXX XXXX  HAS NOT APPROVED XXXX SINGLE CHECK Ive attempted to write since XX/XX/XXXX. XXXX and a half years they have refused my checks and ive disputed and won the dispute only for them to do nothing to clear my XXXX file or allow me to write my own checks. They even have someone elses bank account listed as my account and they wont take it off. I am so tired of being embarrassed to go shopping and forget my debit card or have to write a check and then put all my stuff back because XXXX denies the payment. Im a victim and Embarrassment and Humility everytime for someone elses debt.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

All credit bureaus have outdated information of personal information. The only valid information is as follows : Name : XXXX XXXX XXXX Phone : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX : XX/XX/1988 or XX/XX/1988 or XXXX XXXX, 1988
Consumer complaint received 2023-06-23
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: SYNCHRONY FINANCIAL (VA)

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Consumer complaint received 2021-04-16
Product: Credit card or prepaid 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: CITIBANK, N.A. (CA)

I was a victim of identity theft. Someone stole my mail and got a hold of promotional checks that Citi card has been sending to my home which I specifically told them to stop doing. These persons used these checks to get cash which was charged to my Citi card. Transactions in dispute are {$750.00}, {$450.00} checks, and a {$48.00} balance transfer fee. 

I have reported this theft to Citi on XX/XX/XXXX, XXXXafter I learned about the fraud from our local police. The local police department informed me that they found some of my mail in someone else 's possession and asked me if I made any cash advances for the above-referenced amount. I reported this to Citi. Since then, I have been contacting Citi to resolve this case ( phone calls XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, 2021 ) and they have been giving me the runaround and transferring me to different departments. My last conversation with Citi was on XXXX XXXX  ( after two hours of waiting and being transferred several times ) they told me that they resolved this case in their favor. I asked them for what reason and what evidence do they have, and the agent said that they will get back to me. Every time I call Citi, the agent tells me that their investigations team will get back to me but they never do. I have not heard back from Citi. 

As part of their investigation, Citi sent me copies of the canceled cash advance checks ( {$750.00}, {$450.00} ) and asked me to complete a form that I filled out and sent back to them in XX/XX/2021. The canceled checks clearly show that the checks were signed by someone else. I also provided them with the local police case number and police officer contact info again. 

After months of trying to resolve this, Citi is still sending me bills and charging me interest. Every time I call, their agents give me the runaround, provide false information ( i.e. you don't have a balance on the card ). Citi has reported me to the credit bureaus for a delinquent account.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SECURITY FINANCE CORP (TN)

I have an account on my credit report, reporting to XXXX XXXX XXXX  reporting an account with Continental Loans/Security Finance as late then updated to missed payment when I have sent in proof the payment was never late or missed but they are failing to update the account as such ruining my credit when Im trying to start the process of purchasing a home. I contacted the lender the loan is with and they confirmed this was an error on XXXX part not theirs. XXXX is also not updating accounts correctly and in a timely manner. I have accounts on my report that has not updated since XXXX and when I called them advising to update the accounts the next few days the account updated as closed. THis is continuous and ongoing issue with this credit bureau that needs to be corrected as soon as possible as they are ruining peoples credit due to their negligence of updating accounts properly. There are also inquiries that were not made by me that I have disputed but again they will not remove them.
Consumer complaint received 2021-04-15
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: EQUIFAX, INC. (NC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I had a lease with my roommates for 12 months at XXXX XXXX XXXX in XXXX XXXX, Texas. I was XXXX XXXX military stationed there and received my XXXX  orders for XXXX, a month before the lease was up. When I left I cleaned my room and bathroom, which remained empty. My roommate was staying somewhere else and apparently left a mess. When the lease was up they sent a bill to me and told me my military orders werent XXXX XXXX orders, which they were. I explained in an email to them, with my orders attache, that XXXX orders are treated as relocation orders since I need to relocate to my home of record since Im no longer working up there. They kept telling me I wasnt XXXX XXXX while living there which I was, so it never got resolved and got sent to procollect.