davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CO)

On XX/XX/2022, my Frontier Mastercard was stolen, along with my purse, ID, car keys, and four other unrelated credit cards. The defendant then used my card fraudulently to make the following purchases : {$89.00} at XXXX XXXX XXXX {$410.00} at XXXX XXXX {$210.00} at XXXX XXXX This card was reported stolen on XX/XX/2022, and these charges were disputed. The card was closed, and a new card was issued. Originally credited back to me, these fraudulent charges again appeared as transactions on my new card on XX/XX/2022. In speaking with XXXX from the Fraud Investigation Department on XX/XX/2022, I was informed that more evidence was needed to support my claim of fraudulence and that the investigation was closed and a police report submission was required to re-open the investigation. Not once was I contacted to let me know this was the case, after I offered the police report number during my first conversation regarding these fraudulent charges. Since the case was active and the defendant undergoing trial, the CO District 18 D.A. 's office was unable to provide a redacted police report until XX/XX/2022. The report, along with a dispute letter, was faxed to the Barclays Fraud Investigation Department XX/XX/2022 and the investigation reopened on XX/XX/XXXX. When I spoke with XXXX on XX/XX/2022, I was informed the investigation was again closed on XX/XX/2022. However, no communication regarding the results of that investigation has been provided, and I continue to receive harassing collections phone calls, accrue fees and interest on the fraudulent charges, and negative reporting to the credit bureaus.
Consumer complaint received 2017-04-03
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE (CA)

I signed up for   XXXX   XXXX   XXXX   XXXX   a few months ago because they waived the {$990.00} annual fee because I 'm currently on  XXXX   XXXX  in the  XXXX   XXXX . On    XXXX   XXXX   XXXX  ,  they sent me the attached letter which states that they will no longer waive the annual fee and that my annual fee is scheduled to be assessed on  XXXX   XXXX ,  XXXX . On  XXXX   XXXX ,  XXXX , I was charged the {$990.00} annual fee. The phone number they provided on the letter was to a voicemail which they said calls would be returned in 2 days. I called their regular customer support number and was able to talk to a representative. She stated that they will review the situation and contact me in the next few weeks.
Consumer complaint received 2017-02-17
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Eagle Creek Mortgage, LLC (VA)

XXXX   XXXX   XXXX   (    XXXX   #  XXXX  ) from  Eagle Creek  Mortgage provided an refi-estimate that his company will provide a credit for the outstanding balance of the point amount that the financial institution (   XXXX   XXXX   ) is charging me. However,  XXXX   XXXX  will not include this credit in the loan estimate  ( LE )  because he claims that the  LE  does n't allow a space to provide the credit. See exact communication from  XXXX  email "  XXXX   XXXX  & lt ;  XXXX  XXXX  XXXX  & gt ;  XXXX   XXXX  (  XXXX  days ago ) to me The reason is simply that we can not put anything on the FEDERAL LOAN documents unless the document allows for a space to do that & since the LE is a Federal document we can not alter the document..  <P/>  XXXX   XXXX   XXXX   XXXX  #  XXXX  ) '' I asked for  XXXX   XXXX  to document this credit either in the  LE  or provide a promissory note that he will honor this credit.  XXXX   XXXX  only provided a refund letter unsigned but he would n't include this credit in the loan estimate or provide a promissory note. After my repeated requests for either of those changes, he closed my file with   XXXX   XXXX   This was a complete waste of time especially since I have a  XXXX  day window to get refinance because of my divorce terms.
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (MI)

The attached document describes my assertions of violations of the Fair Credit Billing Act and Fair Credit Reporting Act by Departme  nt Stores National Bank as credit servicer for my Macys Credit Card account. In addition to violations of these Acts, I assert violation of the equivalent portions of my then standing Credit Card Agreement with Department Stores National Bank.
No written acknowledgment of my credit billing dispute, and no written disposition of the dispute.
Closing of account by creditor prior to providing written acknowledgment/disposition of the dispute.
Reporting of disputed amounts to credit bureaus as late payments prior to providing written acknowledgment/disposition of the dispute.
Reporting of inaccurate information to credit bureaus with no regard for eventual disposition of the dispute.
Reporting of disputed payments to credit bureaus with no annotation that they are disputed.
Reporting of inaccurate information to credit bureaus with no notice to me of the negative reporting.
No written acknowledgment of   my dispute of credit reporting, and no written disposition of the dispute.
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ditech Financial LLC (NV)

XXXX does not report two of my mortgages-both of which are open and current. I have filed 3 disputes trying to correct the problem and get the same results each time. 

My most recent disputes were filedXX/XX/XXXX ( one for each mortgage company ). I received a response from XXXXXX/XX/XXXXstating that they resolved one issue and that the account is closed. And the other mortgage they can not find so it is not reporting. 

I 've contacted both mortgages who say they are reporting to XXXX each month. 

I would like the history corrected for both mortgages.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

XX/XX/20 Equifax website for lifting a credit freeze is not operational. 

XX/XX/20 Equifax website for lifting a credit freeze is still not operational. I finally reached a customer service representative who told me I had to mail a request ( including my social security and drivers license information XXXX to have the freeze lifted. I tried to explain the time sensitive nature of the request to no avail. I repeatedly asked to speak with someone else to resolve the issue and was denied. The representative eventually hung up on me.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2020-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (HI)

My complaint concerns PHH Mortgage. 

On XX/XX/XXXX We refinanced our mortgage with another entity ( not PHH ). We signed all the closing documents on XX/XX/XXXX. They were to pay off PHH mortgage. They did that. 
On or about XX/XX/XXXX it occured to me that I had not received any written documentation from PHH nor had I received the excess funds that were due to me from PHH as a result of the payoff. The amount was {$10000.00}. I called them. They said they issued a check on XX/XX/XXXX - a FULL 26 DAYS after the closing. They said they send it via regular mail. I then called again on XXXX since I had not received the check. They offered to stop payment on the XX/XX/XXXX check and reissue a new one.  They said it would take 10 days and would come regular mail. I also asked why they don't send a payoff letter. They claimed they will only send a payoff letter if I request it. Not usual practice. 
On XXXX, I received a XXXX  next day air envelope ( tracking XXXX ) with the check dated XX/XX/XXXX. The XXXX label shows that it was sent on XX/XX/XXXX. 
I called again on XX/XX/XXXX to see if I would be able to cash that original check, they claimed they had already put a stop payment on it since they were going to issue a replacement check. I asked how they were planning on sending the replacement check and they said regular mail llike the last one which did not come regular mail obviously. 

I DON '' T KNOW WHEN OR IF if I will receive a replacement check - but my guess is if I do, it will be in the neighborhood of 2 MONTHS to get a refund of over payment of {$10000.00}. 

I believe that they do this on purpose so they can bank the funds for a while : Delay the check, customer complains, cancel check, reissue check, mail it ( maybe ) without tracking information. 

I have the envelope with the XXXX next day air tracking and date label, the check dated XX/XX/XXXX which I can not deposit because they put a stop check order on it while they fumble around and reissue the check. 

As an aside I also refinanced another property at exactly the same closing, that went perfectly and the payoff was to XXXX  XXXX XXXX and the overage was issued in a check to me with in weeks of closing. 

I think they are not following the consumer protection law and I am also worried that they will not file a satisfaction of mortgage with the appropriate agency.
Consumer complaint received 2020-10-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: PENTAGON FEDERAL CREDIT UNION (VA)

I paid off a checking overdraft line of credit in XX/XX/2019 but Pentagon Federal continues to report it as over the credit limit and late for over a year through today. I attached a communication from XXXX XXXX at Pen Fed acknowledging that the account had been paid off in full. PenFed never sent me notices that any amount was owed for this account. It has literally destroyed my credit score. There have been dozens of communications in prior years for them deliberately reporting false negative information and I can not get them to stop. It is deliberate  and based on situations and information I charge it to be pure XXXX. I plan to file a separate formal race discrimination complaint. I also filed a complaint with the company, its supervisors and NCUA. Please make them stop immediately and hold them accountable
Consumer complaint received 2021-06-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Crossroads Systems Inc. (OH)

My first round PPP loan was originated on XX/XX/21. I was finally funded by my lender, Capital Plus Financial, on XX/XX/21. ( I was told by them that the delay was due to a glitch in their system. ) Fast forward to now ... my loan status in CAWEB is still listed as " Active Un-Disbursed ''. My round 2 application for the PPP won't process, I'm told, until Capital Plus Financial has this status updated. I contacted Capital Plus Financial on XX/XX/21 and received a response from them on XX/XX/21 stating that they do not control the CAWEB updates. I contacted them again on XX/XX/21 ( when my status was still unchanged ) and was told the same thing. I was in contact with my local SBA office on XX/XX/21 and was told that the lender is, in fact, responsible for getting the CAWEB status updated ... that my status would update when Capital Plus Financial sends over my loan disbursement information to the SBA, and that, ideally, that should be done within 10 calendar days of my loan disbursement. I located the same information in SBA guidance and included that in a follow-up email to Capital Plus Financial on XX/XX/21. I have heard nothing back. Meanwhile, my CAWEB status remains unchanged and my round 2 PPP loan application is at a standstill. 
This has been the case for so many people dealing with Capital Plus Financial. Due to delays, many have yet to even be funded for the first round. I have an application that seems to be going nowhere at this point. If Capital Plus Financial would simply update my status, there may be hope for me to get my application processed before the deadline.
Consumer complaint received 2017-06-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (DC)

I recently received alerts on my credit report from  all (   XXXX  ) credit bureaus  on   XXXX  /2017.Which h as caused my credit scores with   XXXX   XXXX   and   XXXX    to be affe cted.Prohibiting me from poviding adequate housing for my family, as well as being promoted by my employer.I have no contractual obligation to, or with IC SYSTEMS.I demand that this delinquent debt with IC SYSTEMS be deleted/removed from  all (   XXXX  ) credit bureaus.
Consumer complaint received 2015-07-12
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENCORE CAPITAL GROUP INC. (TX)

Approx XX/XX/XXXX my husband took out a revolving line of credit with XXXX. Due to the XXXX plant closing in Oklahoma XXXX we were bot laid off. We were both contract employees i could never find a comparible job. My husband was forced to work out of state with the same company. as a result we defaulted on many loans/credit cards XXXX being one of them. We never received of collection call or anything till we were served papers in XX/XX/XXXX a default judgement from Asset Acceptance. 

for 3 1/2 years no collection call letters nothing was ever received from these people until my husband was notified by his company of a post judgement earnings from attorneys for asset acceptance on XX/XX/XXXX. Now his wadges are being garnished. He has called the attorneys office for asset accep. to date not one phone call has ever been returned. 

PLEASE NOTE : MY HUSBANDS WORKS FOR A COMPANY THAT DOES NOT HAVE ANY OFFICE WITHIN THE STATE OF XXXX! *****HE WORKS AND LIVES IN THE STATE OF XXXX*** THE ATTORNEYS FOR ASSET ACCEPTANCE " DO NOT HAVE A LICENSE TO PRACTICE IN THE STATE OF TEXAS ''!!!!! HOW IS THIS EVEN POSSIBLE!!!
Consumer complaint received 2021-06-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (NV)

I obtained a secured credit card from WELLS FARGO in 2014. This secured card was for the amount of {$300.00} I obtained this card under the guise that it was a tool for rebuilding my credit and that if i used the card an made my payments on time that the limit would go up and that that it would become a regular credit card. I have had this Wells FARGO secured credit card for over 3 years. in that time i have never made a late payment nor even so much as waited for my bill. In fact I have, consistently, paid this card off in full every month. <P/>
I have patiently waited for Wells Fargo to increase the amount and return my {$300.00} as promised for proper usage of this card. Instead i have been paying annual fees as well as usage fees and and exorbitant cash advance fees for it when it covers as overdraft protection for my well bank account. ( I have another credit card from XXXX XXXX that i obtained well after the Wells Fargo card and it was almost immediately increased and no longer a secured card. over a year in fact. ) My main problem with Wells Fargo, this card and their inappropriate action is : I am currently attempting to purchase a home. i have learned that this card has actually been detrimental to my credit and credit score due in fact to none other than its minimal limit. I. E. I rent a car for the weekend and it costs me {$160.00} however XXXX puts a standard {$300.00} hold on any card for security purposes. Well this shows on my credit score as exhausting my available credit resources, or at the very least exceeding the preferred 30 % usage of available credit. having and using this card regardless of payment history has held my score back not improving it. ( by the current standards the only way that this card would improve my limit is by my having it, paying fees for it but never using it! ) What has it done to those less fortunate and with less income who could barely afford the {$300.00}. to start. How much money and fees have i paid for the usage of my own money.
Consumer complaint received 2017-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MD)

To Whom It May Concern : I am a new costumer with Caliber Home Loans and have experienced many issues with the mortgage company 's automatic payment system. There is a general lack of record keeping that is worrisome in such a way that the costumer can not view previous payments that have been posted or the financial transaction history. This has resulted in me having been double charged for a recent mortgage payment. In cases of automatic payments this is especially problematic. For example, for my mortgage payment in the month of XXXX, I had set up an automatic payment from my personal bank account. However, the costumer has no way of knowing whether a recent payment has been posted or is pending. Based on this, I made a payment manually. But the next day I had 2 payments posted back to back. Any other major credit systems have options that clearly display the next scheduled payment. Caliber does not.
The management team is also unresponsive. I have contacted Caliber Home Loans and asked to speak with supervisors many times. Their team members have told me that the company is notoriously bad at handling double payment charges and I should instead go through my personal bank to dispute the double charge. I have requested to speak with a supervisor, however, I have not been contacted by a manager and it has been two weeks since the incident.
Consumer complaint received 2021-06-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NM)

I'M HAVING ALL KINDS OF PROBLEMS GETTING THE CREDIT BUREAUS TO CORRECT ERRORS REPORTING ON MY CREDIT REPORT.
Consumer complaint received 2017-06-14
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Opened a few investigations in negative credit reporting of ninety days late. Response from loan servicer only responds stating " information reported was accurate, borrower did not request forbearance until XXXX XXXX, 2017 ' This in absolutely NO WAY provides a response to the information presented. I understand that forbearance was not requested until XX/XX/XXXX because I had no clue that I was in repayment until XX/XX/XXXX. The statements were being sent to the XXXX University email address that I no longer had access to. Not being properly notified of a statement, especially when the repayment first begins is a valid reason for correction with all XXXX credit bureaus. I could not have put my account on e-statements because I just created an account with XXXX XXXX in XX/XX/XXXX. The issue is that if I had been made aware of the repayment start in a manner accessible to me, I would never have needed forbearance. Continuing to deny and stating the information is accurate is not providing a response to the issue that caused the problem and the agency refuses to correct their mistake.
Consumer complaint received 2017-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

as i obtained a copy of my credit i notice accounts that was n't mine. I reached out to XXXX to dispute the accounts. later to find out that XXXX sold the account to two different collection agencies ( which both is reporting to my credit for the same thing one is just {$1.00} more ). I disputed the accounts with XXXX XXXX and Enhanced Recovery Corp ( which is the two companies ) but it has not been removed from my file. This has been going on for months and the credit bureau has yet to correct my file.
Consumer complaint received 2024-01-23
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc. (NY)

I ordered a new cash app card as my current one expires XXXX XXXX. I paid {$5.00} for a designed card. The card was mailed, however, I never received it. Cash App refuses to replace it without paying another fee. Claiming designer cards are non-refundable. This is an inconvenient loop hole as I am required to pay again in order for them to regenerate a new card. This is unfair for two reasons ; 1 - my current card expires and I need a new one ; 2 - I paid for a service that I never received. They keep telling me its against policy and other baseless language. Why should I have to pay them a total of {$10.00}, in order to receive a card? Especially when my current is expiring. Either way, they are requiring payment before they generate a new card.