davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-10
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. (CA)

I have XXXX promotional offers 0 % interest with my Citi Best buy card. 
One that is set to expire on XX/XX/XXXX and one that is set to expire XX/XX/XXXX. 
On the promotional offer that expires in XX/XX/XXXX that had a balance left of {$100.00} we made extra payments to clear the balance. 

During the month of XXXX and XX/XX/XXXX we made 5 calls to Best Buy XXXX credit card - asking them to apply the extra payments to the older promotional offer - each time we are told they take care of it. TODAY XX/XX/XXXX we talked again with another supervisor as we still have a balance of {$29.00} - after again making an extra payment on XXXX to clear the balance and it still went to the newer promotional offer. They told us again that is taking care of - if the balance is not cleared we are going to be charged over {$800.00} in deferred interest. It is unacceptable on what CITI is doing and how they have not been able to assist us. 

They are in breach of XXXX XXXX act and not applying the payments toward the oldest promotional offer.
Consumer complaint received 2019-05-06
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. (UT)

I've had a car loan with XXXX XXXX XXXX XXXX since late XXXX. Since XX/XX/XXXX, they continue to report my account as past due even though I have provided documentation over and over again that I have never missed a monthly payment in that timeframe. I've submitted dispute requests to Experian and XXXX, but so far those efforts have been futile. I have uploaded documentation here yet again showing that I am on-time with my payments despite my credit report continuing to show that I am 30-59 days past due.
Consumer complaint received 2018-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CA)

AES slash p h e a and XXXX XXXX XXXX reporting that I was making payments to them and then I stop making payments for 10 months showing 30 late payments on three different loans that are duplicates from three other different Loan Servicing Company which are all paid off including the ones held by these people who say that I made 30 payments. The loans were in deferment during this time and there's no way that I wasn't making the payments because they were in deferment. I wasn't making any payments so therefore there couldn't have been any late payments before or after the loans have been paid in full. I've disputed the loans with XXXX  and XXXX and they're still showing up on three of the XXXX XXXX XXXX has 10 late payments on each loan totaling 30 late payments which is hurting my chance to rent an apartment and buy a car because of the late payments. I had a loan of XXXX one for XXXX and one for XXXX  and they've all been paid off satisfactorily through XXXX. I never made a late payment!
Consumer complaint received 2018-09-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo : This is Predatory lending : I was predatorily places on a loan as a co-signer, a loan I could not possibly qualified for, since I already had a mortgage on my primary residence. I was not on title or have any Ownership interest in the property, I did not reside at the property, since I had my own homestead. I certainly could not afford to pay and would not pay this mortgage if the owner fails to pay. All part of 2008 sub-prime loan debacle, lenders shuffling paperwork to get loans approved, some borrowers got loan modification, short-sale, banks bailouts. As a co-signer I got nothing, but problems, which was never fully disclosed to me, as was required by law : 12 CFR 706.3 - Unfair  or deceptive cosigner practices. No one explain or provided the disclosure that this loan will prevent me from qualifying for other loans and will affect my credit score, I got no disclosure. The Lender representative was only interested in getting the documentation to get the loan approved. 12 CFR 706.3 - Unfair or deceptive cosigner practices.
Consumer complaint received 2018-08-22
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: Bread Financial Holdings, Inc. (MI)

In XX/XX/2018 our XXXX XXXX XXXX credit card account was charged 3 {$150.00} charges related to fraudulent gift card purchases using our XXXX account. We immediately informed the company of the charges and they refuse to honor their supposed Zero Liability fraud protection policy and refund the charges. We've been fighting with them for 8 months now and they are continuing to charge late fees and interest during the investigation. They have also reported overdue payment on my credit report.
Consumer complaint received 2018-09-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (TX)

On XX/XX/2018 I sent Diversified Consultants a letter requesting validation on a debt that is appearing on my credit report. On XX/XX/2018 I received a 3 page response that has a two page bill from XXXX XXXX XXXX dated XX/XX/2018XX/XX/XXXXfor {$640.00} along with a letter from a Diversified Consultants that is dated XX/XX/2018. A bill is not a proper validation of debt and they are not genoriginal owners of the said debt. They also were not able to provide validation of the debt. Attached are the actual documents that were sent.
Consumer complaint received 2018-09-10
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Back in 2008 when US economy went upside down due to banking unregulated methods ( XXXX XXXX etc ... ) I lost my home and a business. I lost ability to pay my obligations. 
I owned home on XXXX XXXX XXXX XXXX in XXXX XXXX XXXX FL XXXX financed by XXXX XXXXXXXX XXXX . 
XXXX XXXXXXXX XXXX took bailout money paid by us taxpayers and walked away laughing. 
I tried to short sell the home and set up pay-off of the debt. XXXX XXXXXXXX XXXX declined 6 short sales and declined to even talk to me about other ways to pay off my loan. 
Years have passed by and XXXX XXXXXXXX XXXX didn't foreclose on me in legal manner ( I believe there is statue of limitation of 5 years in State of Florida ) and sometime later on they sold my loan pennys on a dollar to XXXX XXXX XXXX collection agency. After that agency was sued by small lawyer for wrongdoing they than sold it to present collection agency XXXX XXXX XXXX company. XXXX XXXXXXXX XXXX, XXXX, TX XXXX. Phone XXXX This company is constantly harrasing me with phone calls without message ( mute calls ) and monthly letters threatning me with legal actions. They also, are ruining my credit report. 
It is over 10 years since I incurred debt that XXXX XXXXXXXX XXXX abandoned as all wealthy and company do knowing no one will hound them though they are the one who ruined hard working people like me. 
I am asking for help as it is mentally draining to wait each month for the same scenario. 
I live of XXXX social security XXXX thanks to decissions made by our governement but, it is me/us who always paid and pay the price of reckless governing. 
Sincerely XXXX XXXX XXXX
Consumer complaint received 2019-05-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: CITIBANK, N.A. (GA)

WENT TO HOME DEPOT ON ABOUT XX/XX/2019 AND TRY MAKE PURCHASE THAT WERE DECLINE..COMPANY VIOLATED " FCBA AND Truth IN LENDING ACT WITH FAILURE TO SEND NOTICE THAT CREDIT LIMIT HAS BEEN REDUCE FROM $ XXXX TO $ XXXX WITHOUT ANY CAUSE..THIS HAS CAUSED SERIOUS HARDSHIP WITH ACCOUNT USED TO HELP DISABLE VET TO REPAIR HOME..AND IT HAS CAUSED MY CREDIT SCORE/ DEBT RATIO TO DROP SIGNIFICANTLY, I HAVE BEEN A LOYAL CUSTOMER FOR OVER 15YRS AND NEVER MISSED ANY PAYMENT AND ACCOUNT ALWAYS BEEN UNDER 30 % USAGE AND ACCOUNT CURRENTLY SHOW MAX OUT LIMIT
Consumer complaint received 2018-09-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (ME)

I am the author of a New Book Coming out called XXXX. I have been working to Pre-Sell the book by adding a website, payment processing and building social media platforms. 

I already have 4 other methods of online payment processing but several older customers asked I set up PayPal I did set it up and after a 4 day delay was accepted ( screenshots are attached of the chronilogical order ). 

I began advertising for paying with PayPal on 6 platforms including XXXX and my XXXX   Website Because I am traveling to promote the book I decided to attach a debit card to the account to use fir purchases. It did not work out. So I called customer service and that lead to the next 54 hours if chaos, lies, deception and even a representative who tried to get me to commit fraud. 

I was told, actually demanded in order to use the account I had to change the name in the account our if the Business Name to NY personal name I was asked to submit all of my proof if who I am including my driver 's license, SSN card and proof of address. 

I was told I had been placed on an expedited track and would have an answer in 72 hours because of XXXX day. 

I called back 3 days later to speak with a supervisor because my account still showed my identity confirm was not approved I asked fir a supervisor. She told me I was being restricted because I had a second account. I vehemently denied I have had an account with PayPal fir a number of years but the person who told me I needed to change the name in my business account took all of my info and tried need to make a fake account using an email I had not used in 3 to 5 years She said she would file fraud on This flagged info and I would get a call from PayPal in 3 days. 

That was 6 days ago. 

BUT I just looked through my email and found that on XX/XX/XXXX I received an email my account had been restored. 

I still haven't been able to get money out of the account for purchases. 

I received an email 3 days ago stating they were going to restore it but still have not In looking online 209 complaints on same topic either from consumers or small businesses.
Consumer complaint received 2023-03-18
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. (AR)

TransUnion XXXX XXXX are reporting inaccurate information on my credit report about my student loans XXXX, they are reporting that I have missed payments and have late payments while I'm currently in forbearance and also COVID-19 student loan payment pause I've been disputing this inaccurate information in XX/XX/XXXX and XX/XX/XXXX also XX/XX/XXXX and they have done nothing to help
Consumer complaint received 2019-05-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION (PA)

To whom it may concern, Four or five years ago, I refinanced my home mortgage with XXXX XXXX XXXX XXXX located in XXXX. They sent out the appraisal company of their choice. That appraisal was at {$250000.00}. That refinance was approved. 

Last month, I was contacted by an agent from Nations Lending Corporation out of XXXX XXXX. I had worked with them in the past. They were offering another refinance at a lower interest rate to combine my current mortgage and home equity line of credit. 

After completing all of the requirements, they sent out the appraisal company of their choice. The day of the appraisal came and I met with the female agent. She was very negative, asked me many questions, some of which seemed very irrelevant. I had to pay {$500.00}. for that appraisal. 

I was asked to submit a list of all or any home improvements that I have done to the home. With in the past two months, I replaced my roof for {$20000.00} It is metal with a lifetime guarantee. The appraisal came back at {$190000.00}. 

I was told that due to " lower value appraisal '', they could not provide me with services for the refinance. I am now out of {$500.00}. I was told that the real estate " market can fluctuate ''.

How can my home 's value go from {$250000.00} down to {$190000.00} in less than five years? That is a loss of {$65000.00} in value and equity. Plus the fact that I had just added a brand new roof.

I have been unfairly represented in this process. I am requesting that my {$500.00} be refunded. 

Thank you, XXXX XXXX
Consumer complaint received 2018-09-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (OH)

I paid my speedycash loan with XXXX XXXX XXXX, which I have the receipt. I got a letter in the mail that have taken over the acct from XXXX XXXX XXXX XXXX. XXXX XXXX is the company reporting to the credit bureaus about this and XXXX XXXX XXXX says they should not even have this SpeedyCash acct. As result, XXXX XXXX is extremely rude to me and wont except that I have paid with XXXX XXXX XXXX and want me to pay again.
Consumer complaint received 2022-07-10
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us representative but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report and FTC and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now I'm XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE I'm XXXX now.
Consumer complaint received 2022-07-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (MN)

When covid started back in 2020. My husband and I struggled to get back on our feet after my husband got laid off for almost a whole year. I XXXX XXXX XXXX  also lost a lot of income because families weren't working, and they were keeping their children home and having to be closed a lot of the time due to covid symptoms and having covid in daycare. We tried to work with our mortgage company, and they denied us with help with getting our mortgage up to date. We started getting back to more normal and my husband had to find a new job due to being laid off for so long. We are finally back on our feet but are late on our mortgage payments. We have asked the mortgage company if I could pay $ XXXX {$10000.00} and they told me I couldn't it had to be the full amount what's due. Through this whole time, they wouldn't let me pay anything unless it was the full amount. Which I think isn't right and was told that's illegal from my counselor.
Consumer complaint received 2018-05-11
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

On XX/XX/2018 someone obtained my identity. 
They opened a bank account with USAA FEDERAL CHECKING with {$10.00} and apllied for and was approved a credit card with a {$25000.00} limit. 
This person has already pulled {$4900.00} in cash off the card. 
USAA is disputing my claim telling me it is my account. 
I have never been in the military and you need a miltary ID to open an account with USAA.
Consumer complaint received 2018-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I have been working with Ocwen for quite some time now to retrieve a loan modification. Just recently, Ocwen has denied the loan modification and informed me that they did not review any of my income. My income is very important part of the process and unfortunately Ocwen is not considering it. I am in position to pay my mortgage based on the income I am currently receiving. I am not asking for any adjustments. If they brought my account current, i would be ok with that.
Consumer complaint received 2017-03-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

I bank with Wellsfargo and I made sure to deposit enough money into my account to clear all transactions for the day ( XX/XX/2017 ). I made sure to deposit my cash before the cut off period of XXXX and at I checked my balance afterwords to show that my account balance was positive. Wells Fargo then processed XXXX ACH transactions at XXXX as part of the same business day causing XXXX overdraft fees. I believe that this may be considered malpractice as there is no way for me to deposit money into my account during the window ( XXXX - XXXX ) in which they are processing these transactions to cover the transactions. I believe that if they are going to process transactions out of my account I should have the opportunity to process transactions into my account. Also FYI, my direct deposit went into my account the next morning.
Consumer complaint received 2022-07-10
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us representative but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report and FTC and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now I'm XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE I'm XXXX now.
Consumer complaint received 2019-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

Bank-USAA XX/XX/XXXX, my money ( {$240.00} ) was taken from my checking account in an auto draft for payment towards my credit card account. The amount of {$240.00} was never credited to my balance, and I have called and gotten hung up on twice, as well as had 3-4 chat conversations with help agents. One of the agents said that they would open an investigation of sorts to see why my payment hasnt applied. They said it would take 2-10 business days. I have waited  and have not been contacted at all by USAA neither through phone calls or emails. I have proof that it was taken out on the XXXX, and a letter from USAA themselves saying that they are taking the money a week before the charge went through. 

As it stands now, I have another auto draft coming on the XXXX of XXXX and I am wary of losing more money.
Consumer complaint received 2018-08-22
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. (MS)

I am the victim of identity theft. I have tried numerous times to correct this issue with TransUnion without any success. The following accounts are believed to be fraudulent. XXXX XXXX XXXX / XXXX {$8500.00} XXXX XXXX XXXX / XXXX {$14000.00} XXXX XXXX XXXX / XXXX {$4700.00} XXXX XXXX XXXX / XXXX {$18000.00} XXXX XXXX XXXX / XXXX {$24000.00} XXXX XXXX XXXX / XXXX {$7600.00} XXXX XXXX XXXX / XXXX {$40000.00} XXXX XXXX XXXX / XXXX {$17000.00} XXXX XXXX XXXX / XXXX {$2600.00} XXXX XXXX XXXX / XXXX {$32000.00} XXXX XXXX XXXX  / XXXX {$2600.00} XXXX XXXX XXXX / XXXX {$3500.00} XXXX XXXX XXXX / XXXX {$1200.00} XXXX XXXX XXXX / XXXX {$300.00} XXXX XXXX XXXX / XXXX {$2700.00} XXXX XXXX XXXX / XXXX {$250.00} XXXX XXXX XXXX / XXXX {$1500.00} XXXX XXXX XXXX / XXXX {$3000.00} XXXX XXXX XXXX / XXXX {$3400.00} XXXX XXXX XXXX / XXXX {$5500.00} XXXX XXXX XXXX / XXXX {$610.00} XXXX XXXX XXXX / XXXX {$8600.00} XXXX XXXX XXXX / XXXX {$5700.00} XXXX XXXX XXXX / XXXX {$760.00} XXXX XXXX XXXX / XXXX {$3500.00} XXXX XXXX XXXX / XXXX {$37000.00} XXXX XXXX XXXX / XXXX ( All accounts that say XXXX XXXX XXXXXXXX / Navient )