davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (NC)

I HAVE JUST REFINANCED A COMMERICAL PROPERTY THAT I PURCHASED TWELVE YEARS AGO. I HAD A MORTGAGE ON THIS PROPERTY WITH XXXX BANK, THEY LATER SOLD MY MORTGAGE TO M & T BANK. AT THE TIME M & T BANK PURCHASED MY MORTGAGE FROM XXXX BANK M & T BANK CHARGED MY MORTGAGE ACCOUNT WITH A TRANSFER FEE OF {$400.00}, WHICH I HAVE CONTESTED THIS CHARGE FROM THE DAY APPLIED TO MY ACCOUNT. ON XXXX/XXXX/2015 I REQUESTED A PAYOFF ON THIS LOAN, PER M & T BANKS INSTRUCTIONS I FAXED THE REQUEST FOR THE PAYOFF WITH MY SIGNITURE. I WAS ADVISED BY THEIR PAYOFF DEPARTMENT I WOULD RECEIVE THE PAYOFF AMOUNT WITHIN 24 HOURS AFTER RECEIVING MY FAX. AFTER FIVE BUSINESS DAYS AND XXXX LENGTHY CALL THEIR PAYOFF DEPARTMENT I RECIEVED THE PAYOFF FIGURES THAT I REQUESTED. ON XXXX/XXXX/2015 WHEN I CONTACTED M & T I WAS NOT AT ANY TIME DURING THIS FIVE DAY AFAIR THAT THERE WOULD BE ANY SPECIAL FEES. 
WHEN I MADE MY REQUEST ON XXXX/XXXX/2015 FOR THE PAYOFF I INFORMED THE BANK THAT I HAD A CLOSING AT XXXX XXXX/XXXX/2015. I DID NOT RECEIVE THE PAYOFF UNTIL XXXX PM XXXX/XXXX/2015 AT WHICH TIME IT DISCLOSED THE SPECIAL FEES THAT HAD BEEN APPLIED TO THE PAYOFF ON THIS LOAN. THE {$400.00} CHARGE THAT I HAD DISPUTED, A {$770.00} " 60 DAY NOTICE FEE?? ", {$290.00} RELEASE FEE, {$100.00} A PAYOFF LETTER FEE. THE TOTAL ADDITIONAL CHARGES FOR {$1400.00} I WAS FORCED INTO PAYING IF I WISHED TO CLOSE THIS LOAN I HAD NO OTHER OPTION. I HAVE BEEN PAYING M & TBANK 7.5 % WITHOUT THE OPTION TO REFINANCE WITH THEIR BANK. MY LOCAL BANK PROVIDE A XXXX XXXX RATE ON THE REFINANCE. MY ATTORNEY WHO IS IN HIS XXXX YEAR IN HIS PRACTICE, THE FINANCE OFFICER THAT PROVIDED THE LOAN HAD NEVER CLOSED A LOAN WITH SUCH UNRESONIBLE PAYOFF CHARGES. AS THE CONSUMER DO I HAVE ANY LEGAL RECOURSE?
Consumer complaint received 2023-04-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc. (TN)

I getting sick and tried of them keep call me all day and include the weekends about a payment, which it comes out my bank account, If they keep calling I will have their number block and file a complaint to XXXX
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (WI)

XXXX XXXX  Inquiry : XX/XX/2023 This account is a hard inquiry on my credit, and I never filled out for this. I called in try to explain to them that I never filled out for anything. They said they didnt even see me in their system.
Consumer complaint received 2021-01-02
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: Experian Information Solutions Inc. (FL)

I wrote and called experian several times because my credit report will not update since XX/XX/XXXX. It is now XX/XX/XXXX and I have waited for them to correct the issue I called them and they told me they put in a ticket because it is a technical issue however this is still and issue and I can not see my credit report. Also this occured when they finally deleted some erroneous accounts. Specifically the XXXX  XXXX and XXXX XXXX chargeoff. I simply want these accounts removed as they sent me an email and told me they were deleted from my report on XX/XX/XXXX. Then days later they say this same item that was deleted was updated. This is against the law to reinsert an account after it was deleted. They have literally blocked my scores since these two items were deleted and illegally reinserted one of the items.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TrueAccord Corp. (CA)

To the Department of Consumer Affairs, I am writing to formally lodge a complaint against XXXX regarding the ongoing lack of resolution surrounding a dispute with my account. Since XX/XX/XXXX, I have tirelessly attempted to address this matter, yet have encountered unhelpful and dismissive responses from XXXXXXXX XXXX " customer care '' representatives. 

On XX/XX/XXXX, I placed an order with XXXX through XXXX. Unfortunately, I received my items way past the expected delivery date, on XX/XX/XXXX. Upon receiving the items, I discovered they were broken and counterfeit. On the same day, XX/XX/XXXX, I reached out to the merchant with photos of the merchandise, requesting a return and refund. Despite my efforts, I received no response from the merchant whatsoever. 

In response to the merchant 's lack of communication, I opened a dispute with XXXX and provided irrefutable evidence to support my claim. However, XXXX unjustly sided with the merchant, despite their clear violation of policies. 

On XX/XX/XXXX, I took it upon myself to pay the loan in full to XXXX, in an effort to avoid any potential penalties. Subsequently, on XX/XX/XXXX, I filed a dispute with my bank regarding the transaction. 

After a thorough investigation, my bank concluded the dispute to be valid in XX/XX/XXXX. 

Despite my efforts to resolve the issue with both XXXX and the merchant, I have been met with inadequate support and dismissal. I am deeply disappointed by XXXX 's failure to conduct a fair and thorough investigation into the fraudulent activity on my account. Had they done a proper investigation back in XXXX, we wouldn't be dealing with this issue. 

I expect a swift and comprehensive response outlining the steps XXXX intends to take to rectify this situation and restore my confidence in their integrity and commitment to customer satisfaction.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (MD)

I, XXXX XXXX, hired XXXX XXXX  by contract to install floors in my home. They installed the wrong color grout on my floors and incorrectly installed molding ( other issues aside ). I ask XXXX XXXX to fix this as per the contract, and made 7 appointments for XXXXXXXX XXXX  to fix the problem. XXXX XXXX  failed to make these appointments without notice before the appointment. I called XXXX XXXX  the day before the last 3 appointments and confirmed the appointment with them, but they failed to show or notify me. For the last appointment, which I confirmed with them and I stated that I would dispute the charge of {$8400.00} if they did not show up. I had to take paid time of ( PTO ) for each of these appointments and had no PTO left to take off for additional appointments. 
I disputed the charge with my credit card company, XXXX  XXXX XXXX, and after several communications and document exchanges they refunded me the charge. XXXX XXXX  did not attempt to contact me or fix my floors per the contract until the charge of {$8400.00} was refunded. XXXX XXXX  offered partial compensation for the floors, but the amounts they offered would not cover the cost. XXXX XXXX then sent the information to IC Systems who then registered it with the credit reporting agencies as an unpaid overdue debt. 

This is not a debt! It is a failure of a contractor to fulfill a contract. I disputed this debt with XXXX and they would not reverse it as they confirmed it as debt. 

As you can see by all the documentation that I provided, this should never have been reported to the credit agencies as a debt. XXXX was also sent all this information.
Consumer complaint received 2021-01-02
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. (IL)

I am unable to login to the Equifax website so that I can dispute several inaccurate pieces of information on my report. I called Equifax multiple times ( see below ) and was told that an investigation would happen but nothing ever happened and the incorrect information remains on my credit report and I am not able to access the online Equifax portal. 

I called Equifax XXXX XXXX XXXX on XX/XX/2020 around XXXX XXXX and spoke with " XXXX '', call lasted about 20 minutes. I called again shortly after around XXXX PST after the previous attempt to fix the problem did not work and was given an escalations case # of XXXX. This call lasted about 40 minutes. 

I am still unable to login to my Credit report Account with the error message " Please call customer service ''
Consumer complaint received 2024-04-29
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (OR)

I paid for a western union money order in the amount of {$1900.00} made out in the transaction to my landlord XXXX XXXX in XXXX of XXXX or XXXX bought from the XXXX on XXXX and XXXX XXXX XXXX in XXXX Oregon. I left it a car dealership in XXXX Washington while leaving to get some documentation from my apartment in XXXX Oregon in order to buy a vehicle from that dealership. When I returned they had no recollection of said money order and someone proceeded to cash said money order fraudulently as it was made out to XXXX XXXX. I might have brought the money order with me and dropped it but I don't believe that I did. When I proceeded to retrieve the money from the fraudulently cashed money order western union made it impossible for me to get the money back. I have always been under the impression that it is illegal to cash and fraudulently acquire the proceeds from a financial instrument when you have to have forged the name of the intended recipient and most probably cashed it through your own account as you had no proper identification for that purpose. By western union not allowing me to retrieve the funds from my stolen money order they are promoting this type of behavior and the business that cashed this stolen money order should be liable for the cost I would think ultimately as they cashed it without identification. I have tried a couple different ways and times to retrieve the proceeds of my stolen money order to no avail. I just learned of this venue for remedy and ultimately would hate for this theft to go unresolved and western union to blatantly promote theft in this way. Again I was always fearful of forgery and theft by way of financial instruments but if the parties involved make it impossible to recover the stolen proceeds thereby leaving the guilty party free of any penalties or punishment then I don't know why more people don't just commit these crimes. Left unresolved promotes this type of behavior and that is unacceptable.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (GA)

After being a customer of amex since XXXX, I was not provided a rectification for an ongoing credit issue after applying for a new credit card on XX/XX/XXXX and receiving an insulting credit limit after having a hard inquiry on my account. I've been misinformed by several agents, transferred back and forth by agents who do not know the depths of their job and department, and ultimately given no resolution from a customer support manager with Corporate ID XXXX who cheerfully claimed, and I quote, " it is company policy that he is not allowed to provide his last name, and there is no exception to their policy rules '', of which I'm already aware that he misinformed me as well. After being informed my credit limit could only be increased after I received the card, then being ping-ponged between different departments, asked what my preferred credit limit would be only to be told that I'd have to wait XXXX days to request an increase, even though they just approved the account and are able to increase it within 30 days of the initial hard inquiry, I am prepared to cancel all XXXX credit cards I have with amex since they have no intention of salvaging this business relationship.
Consumer complaint received 2023-10-17
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CO)

Two check were issued, both " lost. 
Put stop payment on both check at one point. Stop payment was reversed on check # XXXX dated XX/XX/23 - which cleared my bank on XX/XX/23. Check # XXXX was attempted to cash on XX/XX/23, but was returned due to a stop payment that was put on for good measure on XX/XX/23 since they had already cashed the first check. 
There are no funds that were returned to my account after they were taken out. All proof has been submitted several times. And I keep getting a response that the funds were returned.
Consumer complaint received 2023-04-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK (NY)

There is a man named XXXX XXXX, his emails are XXXX and XXXX, he has attempted to open bank accounts and credit cards with many banks under MY address, i do not know who he is, i have never met him, he does not live at my address, i live here alone. My address is XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. My name is XXXX XXXX. So far XXXX, XXXX XXXX, XXXX XXXX XXXX  have denied him since they couldnt verify his identity or residency with public records. But discover has approved him, his bank account # with discover is XXXX. I called discover to tell them that this is address fraud and they told me there is nothing they can do since the account is not my account. They also refused to tell me how the company verifies residency.
Consumer complaint received 2024-04-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company (TX)

I filed a inquiry to Freedom Mortgage on XX/XX/XXXX as to how I could remove my PMI payment from my escrow account. Freedom Mortgage sent me a secure message back on XX/XX/XXXX and said : XXXX XXXX XXXX XXXX FHA ) loans originating after XX/XX/XXXX are not eligible for early MIP cancellation period your loan originated on XX/XX/XXXX period the FHA final billing date is XX/XX/XXXX period please note, that MIP is paid in arrears, and the final remittance is scheduled to Occur the month following the final bill date. 
So even if I make all other qualifications, I can not remove my PMI payment because my loan originated after XX/XX/XXXX. This doesn't seem correct.
Consumer complaint received 2023-05-19
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I used my CapitalOne credit card to pay for a service from XXXX. XXXX never completed their end of the agreement and I spent months trying to work with them and ended up never getting a response. Since they refused to refund me the money, I called CapitalOne to explain the situation and dispute the charges. After sending in documentation that showed the company was unresponsive, CapitalOne reversed the charge on my account, only to reverse it again and tell me the charges were valid. The initial charges were on XX/XX/2021 for {$470.00}, {$1000.00}, {$150.00} and another charge on XX/XX/2021 for {$100.00} bringing the total to {$1800.00}
Consumer complaint received 2023-04-09
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. (GA)

Account XXXX  ( XXXX XXXX ) is inaccurately reporting on the credit reports associated with my social security number and this violates my consumer rights per the following information : There are several inconsistencies in the account information provided by the three  credit bureaus : XXXX, XXXX, and Equifax. 

Firstly, the Account Type Detail for XXXX and XXXX is listed as " Auto Loan, '' while Equifax does not have any information for this field. 

Secondly, the Account Status differs among the bureaus, with XXXX and XXXX reporting the account as derogatory, while Equifax reports it as open. 

Thirdly, the balance of the account varies between the bureaus, with XXXX reporting an {$8000.00} balance, while XXXX and Equifax report a {$0.00} balance. 

Fourthly, the Payment Status field is inconsistent, with XXXX reporting it as " Unknown, '' XXXX reporting it as " Collection/Chargeoff, '' and Equifax reporting XXXX as " Unknown. '' Finally, the Last Reported field shows different dates for each bureau. 

These inconsistencies violate several sections of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and complete information in credit reports. Specifically, the FCRA sections that are violated in this case are : Section 607 ( b ), which requires that credit reporting agencies follow reasonable procedures to ensure the accuracy of credit reports. 

Section 607 ( c ), which requires that credit reporting agencies include complete and accurate information in credit reports. 

Section 611 ( a ), which requires that credit reporting agencies reinvestigate disputes and correct errors promptly. 

Section 623 ( a ) ( 2 ), which requires that credit reporting agencies report the date of last payment accurately. 

Overall, these inconsistencies are negatively impacting my credit score, and it's important to take action to correct any errors in credit reports.
Consumer complaint received 2024-04-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NC)

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding this account. I have contacted all the company directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the company involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 

JPMCB CARD XXXX 

I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence.
Consumer complaint received 2023-03-10
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: Experian Information Solutions Inc. (AZ)

A credit card was taken out at a bank with my information. All three credit reporting companies- Experian, XXXX, and XXXX - lowered my credit score because of a hard inquiry and a new credit card which I did not apply for!! 

I spoke with someone at the bank to get this straightened out, but it takes 30 to 60 days to remove it from my record. I notified one of the credit agencies regarding the fraud and they wrote back that they checked the information and I had taken out the card!!!
Consumer complaint received 2023-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

Hello, I reached out to Mohela on XX/XX/XXXX to inquire about the status of my PSLF. It has been well over 90 days since I submitted my application from XX/XX/XXXX so there should be an update. On XX/XX/XXXX, I saw this status update : XX/XX/XXXX Duplicate Form A duplicate application was processed as Canceled. 

I immediately called on XX/XX/XXXX to inquire about what the duplication application cancelled status was about. I stressed to the representative that I have thoroughly checked my application over a dozen times and there was no duplicate application. I stated that everything is dated from my years of employment XXXX - present. She informed me I was correct and there is no duplicate application and she is unsure why that was written. She also informed me my XXXX were processed XX/XX/XXXX and she confirmed she will write a note in my account. When I logged back on Mohela, I see another status update : XX/XX/XXXX Received in Process Please allow up to XXXX business days for processing. A notice will be sent upon completion. 

I message Mohela to follow up, requesting clarification. Am I to understand that I have to wait another 90 days before I get another update regarding my PSLF status? I don't understand how I have to wait about 6 months now to get an update on my PSLF when there was no error from my end. I asked for this confirmation in writing.
Consumer complaint received 2024-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (NV)

I was with bank of the west for years and they were acquired by BMO. Around XX/XX/year> they froze my account due to a large deposit I made. Not just the check, my entire account. I can not log in to my mobile banking to moniter. Ive went to the branch several times, and they told me to call the fraud department. When I call them, they act as if nothings wrong and they cant find my information regarding the freeze. They never gave me a case number, so its impossible for me to have any point of reference when I try to do anything. They keep giving me the run around. My concern is that some of the payments I made did go through which I only know about from going to the branch- so this freeze isnt all that secure. I cant see anything, and their customer service seems to have zero communication between each department. The few times I did manage to get a hold of someone that seemed like they could be of any help, theyd ask me a question about what seemed to be a random transaction. They would then tell me that my bank is off hold and I have access. When I would try to use my debit card, it would still decline and I still have no way of accessing online banking. At this point I just want to pull my money out, because Ive seen this happen to a lot of others that bank here. 

They havent communicated with me at all, every time I have spoken to someone is because I attempted contact. Im building up payment reversal and interest fees.
Consumer complaint received 2023-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (PA)

HI, I submitted my PSLF loan forgiveness application in XXXX. It is now XXXX, and I just received a letter saying that a signature needed to be resubmitted. I have done so, but am trying to find a way to have this not take another 6 months to go through the system. Hoping for help to bring this to their attention and not further slow down my application for aid.