davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-03
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I'm an XXXX XXXX Veteran using my VA home loan. On XX/XX/XXXX, I called Citizens One to inquire about options for my mortgage of {$2800.00}. I am writing with concerned frustration and irritation about Citizens One home mortgage department. I have a mortgage through them and I was hoping they could offer some assistance during these unprecedented times. Due to the recent Corona Virus pandemic and the uncertainty of work as well as the government mandates to stay home, their lack of realistic help is amiss. They informed me the best they could do is forbearance and were not offering Deference. While I understand that during normal times offering forbearance to some while they get back on their feet is suitable, this just seems preposterous for these circumstances. If they take one cent of government bailout money while people are being mandated to stay and home and NOT go to work without offering deference then they should be listed as a predatory lender and prosecuted for scamming the government. The bailout money IS NOT meant as a profiteering investment capital infusion but a financial measure to ease burdens of the public which Citizens One as of this date refuses to do. 

Most people wont be able to make up for the months of build up of mortgage payments or they will have to renegotiate their term loans to a far less desirable contract for the home owners which in my opinion is their aim and goal. This practice just seems absolutely dubious and not the intent of them needing to be bailed out. I fear that this kind of response by someone of their stature in business is going to lead foreclosures, homelessness and an overall loss of what would be society contributing homeowners. 

I hope that Citizens One will not receive any type of aide or government bailout assistance if they choose to treat their customers the way they have shown. If they do, it would be a national disgrace and travesty to have, yet again, another big business take money then turn around and stiff the same people that bailed them out that being American tax payers. 
This is a time the nation should be working together for the greater good not a time to be milking people for every penny they have. 

I look forward to hearing about any outcome so as to send a thank your letter or to escalate actions to make this a far more public awareness campaign of companies to avoid or to refinance out of. 

A Concerned XXXX Veteran
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I tried to remove a credit freeze from Experian. My creditor needs the information however there is no process that allows me to do that in a reasonable time. I can place a freeze immeidately online or by phone, but can not remove it except my mail and they state it will take 10 days. This is unacceptable. 

They have an online form but the security questions they ask before submitting are garbled and the answers are cutoff so it is impossible to tell what the correct answers are. This is ironic because they verify my identity to log in to my account with them where i have access to more sensitive information than blocking or blocking a credit freeze. 

There is no one to reach by phone, email, or chat box in order to help with my situation. The only repose I get from Experian is to pay for a subscription. 

This is damaging my ability to remain in business if I can not get the credit freeze lifted in a reasonable time. Can someone help with this issue?
Consumer complaint received 2020-04-03
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Onity Group Inc. (AZ)

I spent 6 years working on a loan with XXXX XXXX ; went thru XXXX with Ocwen and it was then serviced with PHH ; both lenders ignored my requests. 

Both lenders owe me {$7500.00} for work performed
Consumer complaint received 2019-04-15
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MD)

I am veteran, I received my letter on XX/XX/XXXX of XXXX XXXX XXXX  XXXX. I was approved by my county effective XX/XX/XXXX, I am exempt of paying property taxes. I notified Chase immediately! After being bounced from department to department. Finally, I spoke to the correct department that said they would remove my taxes being collected to my escrow account effective XX/XX/XXXX. I am behind in my payments, thinking this would get me caught up. Today, I am still in the same boat. I called back in beginning of XXXX to check when they would stop collecting taxes from my monthly payment. They stated they didn't have a record ( they have recorded calls?? ) and that they would enter it in that day it would take 5 days. I called back today and they stated it would be effective XXXX payment. I don't have the income for them to keep playing with ME! The weird thing is that I made a payment in XXXX and it was only {$2500.00}, which was my monthly payment minus taxes. I am trying to pay {$2500.00} again they say you owe {$3400.00} and wont take anything less. I AM SO CONFUSED! I just want them to stop taking taxes, recalculate my payment so I can get caught up. This has made me stressed and distraught. This situation has set off my XXXX, I went to XXXX for the XXXX XXXX XXXX and that was easier to deal with than dealing with CHASE. I don't think I am asking too much! I just need someone to stop what their doing and pay attention. I don't have the money to wait to see if it is effective in XXXX they might take my house.
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (ID)

In XXXX of XXXX, I started working with a Credit repair company by the name of XXXX to help me remove some late payments off of some accounts on my credit report. On XX/XX/XXXX I found out when I got a call from our local bank that they had received 35 pages in a XXXX  envelope with my name and address as the sender when the credit repair is who sent it not me. My grandfather passed away on the XXXX of XXXX which I was in XXXX with him until he passed and got this call as I was heading back to XXXX where I live so during this time I didn't think of all the companies I needed to call or who had gotten a letter as well the credit repair company told me that they would not have done this and blamed it on XXXX and we all know XXXX doesn't do that! Since all of this I had to pay {$200.00} to get out of my contract with the credit repair company this has all been a nightmare for me especially after losing my grandfather in the middle of all this. All other companies that got a dispute have been so easy to work with and saw that the dispute was not accurate and mailed me a new card for my protection. But then there is Comenity Bank where I have a XXXX  & Victoria Secrets card for many years with gets the dispute Closes my account on XX/XX/XXXX with out my knowledge no letter, email or phone call at all and apparently you have 7 days to reopen the account which I found out on XX/XX/XXXX that my accounts had been closed I spoke to every person at Comenity to help me with this matter and I just kept getting told they can not reopen my account and to reapply well with what I have going on who is going to approve me NOT MY PROBLEM they should have contacted me all of the other banks did so when I never received anything in the mail or heard from Comenity I thought they either by a miracle didn't receive a dispute letter or did and saw that it wasn't relevant! They should have contacted me my accounts were in good standing who closes good standing accounts with out notifying the account holder if I would have never tried to use my XXXX account I wouldn't have known today that my accounts were closed they need to reopen my accounts this was not my fault and bad business on their end to not notify me through mail, email or by phone there is not excuse for this and now with the closed account status on my credit score will drop! I have no documents to send because comenity sent me nothing and the companies that received letters told me by law they couldn't send me what they received! please help me fix this matter I could only add one card number so I'm sending in another complaint so I can add the other credit card number!
Consumer complaint received 2022-10-13
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

On XX/XX/2020 I had my mortgage company complete a hard pull to get me approved for a house. All my reports except Equifax came back with my score and information. My lender said I can not get approved until my Equifax report is unlocked. I called Equifax that same day and spoke with two agents who told me that my report has no lock, freeze or fraud alert in place that would prevent my report from being pulled. I explained that is not possible because the message the lender is getting is " Report not available ''. Due to this issue, I can not get approved for a mortgage. The lender says I have a score and report and I can see this myself when I log on to myEquifax website but the report won't be released to the lender. I am asking for this to be corrected permanently so I can use my credit as normal.
Consumer complaint received 2020-04-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I called XXXX  XXXX XXXX and asked for them to remove my late payments from 2014 due to negligence from a third party company who was supposed to have a " proven program '' to eliminate or reduce monthly student loan payments. I also learned that the company was fraudulent and doing basic income driven repayment plans that anyone could do. I paid less than {$50.00} a year for them to do this but learned from the news coverage they were cheating the wealthier out of thousands a month. All my account have exceptional payment history and this company has scared my credit report and I have been back and forth between XXXX XXXX XXXX as well as the credit bureaus and they are both telling me that it is the other responsibility to update the files. I am lost at this point with no resolution and no way to go from here. I thank you for your assistance and any help that you can offer.
Consumer complaint received 2020-03-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

The first correspondence by mail I received from Kohl 's was an account delinquency notification. I promptly went to my local Kohl 's where a store manager helped me contact corporate. Together, we determined that there was a keystroke error on the cashier 's part when the account was initially opened. As a result of that error, I was not receiving monthly bills. At the conclusion of the phone conversation, I paid my balance and the account was closed. I expressed my concern about this confusion showing up on my credit report and was assured that it would not. Fast forward three years when in an effort to take advantage of lower interest rates, I apply for a loan to refinance my mortgage. My credit report states that I have a Derogatory Account : Kohl's/Capital One. I did not know that Kohl 's had not withdrawn their claim at the conclusion of the investigation. I want this removed from my credit report.
Consumer complaint received 2020-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

Freedom Mortgage company has a bare bone customer service department. I called to get a mortgage payment question resolved and was on hold for 1hour and 17 minutes XX/XX/XXXX only to be disconnected. The next day XX/XX/XXXX I sat on hold 46 minutes until someone answered. The representative barely spoke English and very hard to understand. It is obvious the company is operating a bare minimum customer service department.
Consumer complaint received 2020-03-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (SC)

Over the last week and a half, I have called and spoke with Fifth Third Mortgage 3 times. Most recently I had a conversation around XXXXXXXX XXXX EST. 

I informed them that I was aware that XXXX XXXX ( who my loan is associated with ) was urging service providers ( in my case Fifth Third ) to defer payments up to 12 months. 

My husband and I are XXXX XXXX people in the XXXX industry and not only has our cash flow immediately halted, but we are hemorrhaging money with refunds due to cancellation relating to COVID-19 and travel restrictions. 

Although we were being proactive anticipating this hardship I was informed by Fifth Third that I only had one option : To defer my payments for 3 months at which time they will ask me to pay the 3 months back in a lump sum ( {$4200.00} in my case ), and if unable they will address it or modify my loan. I can state with certainty that even if my businesses bounces back and we can operate within 3 months that we will not be in a position to pay {$4200.00} nor is modifying my loan an option. 
I'd like to know why Fifth Third is not following the instructions from XXXX.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help
Consumer complaint received 2020-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (NJ)

I found a collection account on my credit report from Sequium. They were collecting for XXXX XXXX. I never received a notice from them as they had an old address. I called XXXX XXXX and paid the balance to them on XX/XX/2019 and at that time XXXX told me that once the payment went through, that this account would be recalled back to XXXX XXXX and Sequium would then be removed off of my credit report. Through many phone calls and lost hours on this, Sequium is stating that they never got these notes and XXXX XXXX is telling me that they have called Sequium to get this resolved. 
I am in the middle of my mortgage loan and this is impacting me and it has been 4 months and I need this resolved.
Consumer complaint received 2020-04-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I called XXXX  XXXX XXXX and asked for them to remove my late payments from 2014 due to negligence from a third party company who was supposed to have a " proven program '' to eliminate or reduce monthly student loan payments. I also learned that the company was fraudulent and doing basic income driven repayment plans that anyone could do. I paid less than {$50.00} a year for them to do this but learned from the news coverage they were cheating the wealthier out of thousands a month. All my account have exceptional payment history and this company has scared my credit report and I have been back and forth between XXXX XXXX XXXX as well as the credit bureaus and they are both telling me that it is the other responsibility to update the files. I am lost at this point with no resolution and no way to go from here. I thank you for your assistance and any help that you can offer.
Consumer complaint received 2020-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (KY)

Since beginning of COvID-19, Citi bank decided to place 10 days hold on all payments to ensure they clear the account. What makes no sense is that even after payment posts to the checking account the available balance does not update for several more days. They are holding peoples money without updating the balances.
Consumer complaint received 2020-03-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (CT)

Hello! 
I have my home mortgage with Santander Bank, NA. 
Due to being laid off part time from my job due to the COVID 19 quarantine and lack of business, I fear that I will be unable to make full payments monthly to Santander Bank, NA for XXXX, XXXX or even any month after until we hopefully return to a better economy. But we are not guaranteed getting our jobs back either. 
When I called Santander Bank, NA at their Customer Service number to discuss options on XX/XX/XXXX, they were rude and had no plan or solution. I realize that they are also using leveraged monies, and have their needs, but if they could decrease the payments, or defer the payments somewhat for several months could be helpful, as Bank of America has done. 
Their customer service numbers are XXXX and XXXX. I have had this loan for one year and have made all previous payments on time, and do not want to fall behind or decrease my credit rating. 
Thank you so much. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Approximately XX/XX/XXXX I requested that Experian to verify accounts on the report regarding myself according to FCRA, Section 609 ( a ) ( 1 ) ( A ). They responded to my request stated that the accounts were all verified, however they never provided the means by which my account was verified, who verified that account, and physical verification of the original signed consumer contract. In all, I have contacted them via certified mail four times asking to have accounts verified properly. They are willfully refusing to do so and have subjected me to economic hardship due to their actions. 
Dates contacted via certified mail are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All times they " verified '' accounts, but submitted no proof of verification.
Consumer complaint received 2021-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have unauthorized accounts & inquiries on my report and would like it to be removed according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed!
Consumer complaint received 2020-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (SC)

In XX/XX/2019 my mortgage company sold my mortgage to another lender, NewRez. Unfortunately, mortgage companies do this all the time and as the consumer, I have no say in it and can not stop it. I received a letter from the new company, NewRez, stating that they are going to be handling my loan in the future. My payments stayed the same until they re-calculated my escrow. My original lender charged one month escrow. The new mortgage company, NewRez, charges two months escrow to handle the loan. They sent me a bill for {$960.00} and said I have 30 days to pay it or they will foreclose on my house. I tried to call them and explain how it is unfair that they took my loan and is now charging me {$960.00} for buying my loan without my permission. I was told by a supervisor that is what they charge for acquiring my loan and I have to pay it or they will send it to foreclosure. After paying the {$960.00}, my House payment which has stayed the same over the past 10 years increased. NewRez stated that I have the option to refinance with another company if I wanted to get out of it. In order to do that, I would have to pay refinancing charges, etc. It is obvious that NewRez is taking over loans and charging a fee calling it extra month of escrow so that they can foreclose on your house and take your house.
Consumer complaint received 2020-04-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (NY)

I have a cashier 's check for the amount of {$16000.00} from Wells Fargo dated XX/XX/17 with no expiration date. 

I mobile deposited to my XXXX XXXX account which accepted the check. It was then denied payment and returned by Wells Fargo. When I call, they will not verify the status because they say that the account number isn't one that they know. 

This came from their NY branch. They told me I must go to their NY branch to verify, but we are in the middle of the COVID crisis and they have no branches open unless you are a customer. 

They are holding a significant amount of money that I need to pay for my families bills during this trying time, but they are doing nothing to help.
Consumer complaint received 2020-04-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC (IN)

I contacted Mobiloans to ask if they were doing anything to help consumers who had lost income due to the coronavirus pandemic. They stated that at that time they were not doing anything, but that I could push back my payment to the next payment date, and that I could just pay both payments on that date. That doesnt help me because at this time I dont have an income, so I looked into more information on the company, and discovered that in several states including my own, they were charging interest beyond the cap that is allowed, so Im trying to find out if I can try to settle for a lesser amount than is owed since I have paid a substantial amount of interest already to them. Also, a few days after I called, they lowered my credit limit to {$1900.00}, whos was {$500.00} less than what I owed, then a couple of days later, changed it to {$2400.00}.