davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MI)

I had made a payment to barclaycard using XXXX XXXX 's billpay feature, received confirmation that it was delivered to / accepted by Barclaycard, but Barclaycard never applied the payment to my account. I've called and faxed both XXXX XXXX and barclay at least a dozen times over the last 4 weeks and no one has been able to remedy the situation. 

XXXX XXXX tells me that they've requested the payment be pulled back from barclaycard at least 4 times to issue me a refund, but they still have not received ANY type of response from barclaycard. 

I submitted 2 separate formal research requests to Barclaycard to find this payment and apply it correctly, and they still haven't found it / updated me after 3+ weeks. I've called barclaycard 1-2 times per week for status updates and their response has only been that they are still researching, and that they CAN NOT provide an estimated time to completion of the research request. 

As of now, I have no recourse or resolution for my {$4900.00} payment made to Barclaycard through XXXX XXXX and no one is able to help me. I just now got off the phone with Barclaycard again ( XX/XX/2020 at XXXX EST ) and they again have told me that there's no estimated time to completion / resolution of this request and that my almost {$5000.00} payment due on my card on XX/XX/XXXX1 is still due ( even though they are already in receipt of those funds since I've already paid ). 

I need help with reaching out to Barclaycard to track down this payment and apply it to my account. The general customer care line is unable to fix this, but I'm sure someone with knowledge of the XXXX XXXX bill pay receivables account can fix this within minutes. I have the exact time, date, and transaction number of my payment to Barclaycard from the XXXX XXXX payment receipt, so it's just a matter of searching the receivables account for that info and applying my payment. 

Thank you!
Consumer complaint received 2020-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I lost my job on XX/XX/XXXX and was offered a forbearance agreement by PHH Mortgage that will allow me to skip 3 months payments but then have to pay all 3 months plus the current month in XX/XX/XXXX ( a total of 4 payments totaling {$9100.00} ) which will be impossible on my unemployment income which is 18 % of my regular income. This solution will put me in default on my mortgage and I then risk losing my home to foreclosure. This is a strategy that is very similar to the one banks and mortgage servicers offered during the financial crises where they advised homeowners to miss payments only to then aggressively foreclose on borrowers who could not pay the missed payments in one lump sum. I am alerting the CFPB that their solution is not viable and will result in massive foreclosures as we saw in XXXX, XXXX and XXXX when borrowers were unable to pay missed payments. 

PHH also used the following language in their forbearance letter to me : " Upon completion of this plan, the accountholder will be required to resume making regular monthly mortgage payments. However, other long-term mortgage assistance options may be available at that time. Before the end of the plan, we will contact the accountholder to discuss available mortgage assistance options for repayment of the deferred payments which may include a repayment plan, a payment deferral, or other loan modification options. '' This is exactly the kind of language that allows the servicer to control the foreclosure process in 3 months. By using non-committal language they are able to scam the borrower into a forbearance program without any specific solution in writing. And once the borrower is 4 months behind, technically in default on their loan the options they have are minimal. I know this as I fought in XXXX to keep my home and I am very aware of the mortgage servicer tactics they used and they are using the same ones in XXXX. 

Thus I have requested a 6 month mortgage deferment ( in writing via a certified return receipt letter ) from PHH so that I can have 6 months placed on the end of my loan. I only have 15 years left on my loan and if I have 15 years and 6 months left it will not make a big difference. However, falling 3-4 months behind while earning 18 % of my normal income during this pandemic will make a huge difference and I risk losing my home to foreclosure. 

Please help me work with my servicer PHH to get a workable 6 month mortgage deferment placed on the back end of my loan instead of a 3 month mortgage forbearance that would put me at risk of foreclosure. 

Thanks XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-06
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. (NV)

CORPORATE ACCOUNT/ DO NO POST ON PERSONAL PROFILE. REMOVE IMMEDIATELY. NOT REPORTING ON OTHER BUREAUS billing discrepancy remove late mark. payments for a 6 dollar monthly fee were always on automatic and turned in. remove immediately 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 Accion New Mexico Equifax XXXX XXXX Last Updated XXXX/2022 Payment Status Worst Delinquency None Reported Balance {$32000.00} Credit Limit MORE DETAILS Equifax XXXX XXXX
Consumer complaint received 2023-06-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: KEYCORP (WA)

XXXX years ago I took my Grandson into XXXX XXXX  in XXXX XXXX to open a savings account with his graduation money. I asked if they charged a monthly fee and was told no if I kept at least {$300.00} in my account. The name was open in XXXX 's name and I was also on account. We deposited {$1800.00} in XX/XX/XXXX and left it in until XXXX XXXX. When we went to withdraw the money, it was only {$1700.00}. When I asked why, I was told there had been a $ 4 monthly fee charged to the account. I told them that was not what I was told. The man said he had to get ok from bank XXXX to refund the {$72.00} in fees. After a week, I was told they would not refund the fees. They gave me phone number for XXXX customer resolution person. I called and explained situation. I was told they would get back with me. After almost 4 months of trying to talk to person who was handling my case, she finally called and told me XXXX XXXX bank was not willing to refund my money, so case was closed. 
The only paperwork we received when opening account was paper showing how much we were depositing. The whole time we had the account, we never received a statement. They said they had mailed them to us, but we never received anything. The only correspondence we ever received from XXXX XXXX, was XXXX in which they inquired if our account was still active and if so, we had to sign and return the letter, which we did. I would never have put my Grandson 's graduation gift money into an account that charged a fee. The lady that opened this account has since retired, but I was told by bank employee that they have had other problems with accounts she opened.
Consumer complaint received 2020-06-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (ME)

On XX/XX/XXXX I applied to refinance my home loan with Wells Fargo and was approved. Wells Fargo assured me that we would close on the loan before the end of the year. But the loan has still not closed. On Saturday, XX/XX/XXXX I received a letter from Wells Fargo saying that I requested my loan application be canceled. The letter states that our loan application is no longer active in their system. However, I did NOT request that my loan application be canceled and I still want to close on this loan. 
I would like this matter resolved in one of the following ways : The loan should be processed and closes at the APR in the original rate lock by the end of this month.

Or Wells Fargo returns the money I spent on a home inspection and reinstate access to my line of credit with Wells Fargo ASAP.
Consumer complaint received 2020-06-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

I had three calls the first one was polite but the last two that were today XX/XX/20. They where rude abrupt fast talking and lound which i tried to have patience but couldnt. The lady said she was doing her job i told her she was not doing it pplolitely and she was rude. Tehy call like bullies. They act like they run over you with how they talk to you. She itterated that they could sue me for this collection. In a threating way. I just cant take it anymore im having a hard time getting a XXXX job. They are garnishing my first one. W the little but of money i get. I am a single mom of 2 how am. I to survive thru this.
Consumer complaint received 2020-04-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am writing to dispute and request that you re-investigate and correct inaccurate information that is contained on my credit report. 
This information is false and inaccurate. I value my good credit. This inaccuracy may impair my ability to obtain credit and may affect my ability to get another job. 
I demand that this inaccurate information be removed from my credit report and that you delete and suppress it immediately.Additionally, please send copies of answer to this request for re-investigation and the proper corporate name of any individual or corporation who reported this erroneous information on my credit report. 
If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in [ name of your county, state ] for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. 
XXXX - XXXX XXXX  XXXX XXXX  - XXXX XXXX  XXXX XXXX  - XXXX XXXX - XXXX PLEASE DELETE THESE ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2024-04-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CA)

In mid XXXX, 2024, I decided to end my crypto investment before my XXXX shares of XXXX dropped in value. I reached out to chat.crypto.com to get directions on how to sell my crypto to get it first to my XXXX XXXX then to my XXXX XXXX  account. The chat representative gave the steps necessary to get money back to my bank account. But after completing the first step, the amount of {$340.00} was transferred to a Crypto Wallet, not the XXXX XXXX. But when I continued my chat to ask why I was not able to get $ to my XXXX XXXX, there was no reply. I began to realize that Crypto.com did not want this XXXX  citizen to sell his currency ; I was being blocked. Note here that when you are ready to buy currency or invest, you get excellent help and great communication! I then went to XXXX email address in order to get help. 
But I was given the same run around. They would reply that to get money to the XXXX XXXX, I had to have a permanent address, not just a po box #. I immediately replied asking to whom I send my residential address. XXXX days later, no answer to my question..just a form letter saying : If we can be of help or if you have any questions, please contact us. I replied 4 times pleading for help with what to do next. But each time, no answer..just that same form letter asking me to reach them if I had any questions. I was being blocked from selling my currency to my XXXX XXXX  and thus blocked from ever getting my approximate {$340.00} back to my bank account! They then play a new game to block me. They pretend they need proof of my identity! An absurd demand, given that they already have this proof via email, tel # and by the fact that I can not even open the Crypto.com app without my secret password! Can you help me? I have limited funds. What worries me the most? My {$340.00} seems to have disappeared. XXXX XXXX XX/XX/year> XXXX
Consumer complaint received 2020-06-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

Equifax, XXXX, and XXXX  are working together by not updating proper credit scores for the client. XXXX XXXX XXXX has been helping over 2 years the credit score barely changed in two years. I mean a very minimal change from all 3 agencies.

I can get a car, a home, a loan, anything, not even a credit card. Yall need fix and update this XXXX immediately.
Consumer complaint received 2020-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (KY)

I have been been treated unfair and poor unethically under hand tactics. I ant my mortgage payments applied to my mortgage and not in suspense and credit to bring account up to date. Now there is almost XXXX in suspense account not credit to account. Second I sent a money gram well over my regular payment to make up two payment with more money not credit to account in XX/XX/XXXX they say they do not have it. XXXX  XXXX said they do no response from them. Third I have sent this company XXXX in check free bill payment electronic and money not credit to account and no they want to take legal action. This is not right and can not talk to anyone but received letter from their attorney a week ago. They can return all my money in question and i will send an overnight cashier check if that is better but it's not fair i have to pay twice for money they already have need help. 
XXXX XX/XX/XXXX total XXXX with money gram sent
Consumer complaint received 2020-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

There's 29 unauthorized and unknown inquiries reporting on my Transunion credit file, inquires not authorized by me, so that makes these inquires fraudulent therefore I'm demanding that these inquiries be removed immediately
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (AR)

American Express National Bank has locked my account and prevented me from accessing my only money to support my family. My unemployment benefits were deposited into my account on XX/XX/2020, my account was locked XX/XX/2020. On XX/XX/2020 I tried contacting the customer service center and for hours every phone call attempt I made to the only customer service number available was disconnected without reaching a representative. I reached out to American Express National Bank on XXXX  along with many other customers about the same issue and we were all told to keep trying to call. I have made several call attempts since then that have only resulted in waiting on hold for hours without reaching a representative. I have currently been on hold with no answer for 2 hours and 8 minutes and it is XXXX on XX/XX/2020. American Express National Bank has stolen my money and refuses to answer their customer service line to resolve this problem.
Consumer complaint received 2020-08-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (OH)

I had an unexpected charge drafted out of mt checking account. I immediately contacted both the vendor ( for a refund ) and the bank to explain. I was informed by the vendor that a refund would be issued, but will take several days. This overdrew my account. Upon talking to the branch manager and explaining that my family was experiencing extreme financial difficulty due to the covid pandemic. He refused to refund or stop the fees from being deducted. For an approximately XXXX $ overdraft I was charged {$140.00} overdraft fee and counting as of this complaint : ( I, ll never get it positive as I can not drive atm to the location physically to close the account or make payment arrangements.
Consumer complaint received 2020-04-15
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: Bread Financial Holdings, Inc. (FL)

Im very unhappyatthe fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. 

I know the FCBA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. 
The law is very clear on this issue, if it is unverifiable, then it must be deleted. 
Please delete these accounts from my credit reports since your company did not properly verify the information and the furnisher could not provide sufficient proof to prove their reporting.
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I found several items on my credit report that are inaccurate. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties the bureaus are damaging my reputation and credit worthiness.
Consumer complaint received 2020-06-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

A few years back I was speaking to an attorney about saving my house. I was advised to file a bankruptcy to help me not get evicted. However the attorney did not tell me that even though we are not completing the BK, the line item will negatively impact my report. 

Out of desperation I listened to the attorney. Without needing to apply for my credit, during this pandemic I find myself going through a difficult time. As a XXXX XXXX XXXX  XXXX XXXX is stating they will not help my XXXX because I have a bankrupcty. 

I have contacted the court and they sent me a memorandum advising very clearly the US Bankruptcy Court does NOT report to the credit agencies. The memorandum goes on to state the court does not have any affiliation with the credit bureaus. 

I wish to have the history of the BK removed from all 3 credit agencies. XXXX, Experian, and XXXX. 

I have disputed directly with the credit agencies. I have confirmation numbers to prove I have leveraged the Fair Credit Reporting Act. I do not know how this account reported to my report but it seems they are not permitted to report and it seems they may have went to a third party to report this negative history. 

Thank you for helping me in any way. The credit agencies say they contacted and received validation, however when I contacted the court they stated they never received any notification. 

Please help me get this PPPL approved by removing the bankrutpcy. My life and my employees lives depend on it to keep going during this pandemic. 

Thank you XXXX XXXX
Consumer complaint received 2020-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

My father in-law did my taxes and had them sent to his account. 

His account was negative {$3700.00} when my stimulus check hit. 

The IRS did not provide me a way to update my banking information to receive my stimulus and {$2700.00} went into his account covering his debt. 

Ive been trying to get ahold of someone who could help with this at Chase and the representatives just keep hanging up on me and telling me that the debt will be paid with my money and they're keeping it! 

What can I do??? i'm out of work and have XXXX children ...
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TD BANK US HOLDING COMPANY (FL)

Someone opened this account with my information and received the list of transactions sent to me, but I did not even live in Florida at that time. I was in the XXXX XXXX studying and they sent me proof even of a payment that I have no idea where it went. I would like to be shown where I sign? Where I applied for that account because if not, they were removed from all the credit agencies immediately
Consumer complaint received 2023-02-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC (VA)

Hello, I do remember applying online with Checkintocash and I do have email communication. However, I do not remember if I ever received the funds or whether I have paid or not. This was in XX/XX/2017 - over 6 years ago. I received a voicemail threatening legal action and to contact my job and county. They also said they would be finding my address and workplace in the voicemail. I then called the number because I was confused and they refused to confirm the debt with me. I asked for written verification and they said no. They were past that point. I told them I would like it validated. They said its been sold 2 times and that they wanted to give me a courtesy call before taking a LIEN out on me and unless I agreed to pay, they would not send written verification. They said they would only validate in writing if I verbally agreed to settle. This is so unnerving. Statute of limitations is 5 years. This was over 6 years ago and I feel threatened. Not only did they leave a voicemail with the threat but over the phone they discussed garnishment and liens. I have no idea who this company is. The number or company name who called me on behalf of checks into cash could not be validated.