davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-15
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: EQUIFAX, INC. (FL)

In Accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # : XXXX, XXXX, Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX, Account # : XXXXXXXX XXXX, Account # : XXXX, XXXXXXXX XXXX Account # : XXXX, XXXX, Account # : XXXX, XXXX XXXX XXXX XXXX XXXX Account # : XXXX, XXXX, Account # : XXXX, XXXX  Account # : XXXX XXXX & XXXX XXXX DC, Account # : XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2016-03-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (AZ)

My home loan was sold from one mortgage company to another. the first mortgage company was XXXX. The loan was then sold to Seneca mortgage. Upon taking over my mortgage Seneca forced me to increase my loan payment to cover what they thought was a shortage in my escrow account for taxes. The taxes had been paid at closing of the original loan. I contacted Seneca and attempted to explain this to them, including sending them documentation of checks cashed by and closing statements proving the funds had been paid. Seneca still required monthly over payments from me. After calling them on three different occasions they finally told me an escrow analysis would be done. This they said would correct any problems. On XXXX XXXX they cut me a check for the overages I had been paying. Then on XXXX XXXX they sent me a letter stating they made a mistake and I should return the monies. I 've been hung up on three times trying to correct this issue. I 've been left on hold for over an hour. And had my call dropped they did n't want to address the issue. Seneca has some major customer service issues.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MN)

On XX/XX/XXXX, I submitted a mobile deposit of {$10000.00} ( the max allowed ) with a check from my parents to my account at Huntington Bank. We have the same last name. 

On XX/XX/XXXX, I received an email that a hold was placed on my deposit- which I completely understood and had no problem with that. I tried signing into my account later that day in the afternoon to check my balance and I was locked out. I called Huntington Bank, who proceeded to tell me that my account has been flagged for immediate closure. I was stunned. They provided zero details over the phone, except that I would receive a letter in the mail. I panicked and immediately drove over to the nearest branch. 

After calling their headquarters, I was informed by the bank teller that they suspected the check could be fraudulent. Instead of waiting to see if the check cleared, instead of contacting me, instead of contacting my parents ( who wrote the check ) or their bank -- they just decided to immediately close my account with no advanced notice to me. My account was completely frozen. Had I not tried to check my balance that day, I would have had no idea -- payments scheduled would have bounced- including my mortgage payment. 

The teller emptied out my account and handing me the remains of my account, consisting of {$2900.00} in cash. They told me I have to wait until XX/XX/XXXX when the check clears to get the {$10000.00} and come back. This is outrageous. Why would they close my account BEFORE concluding if the check was fraudulent? I was a customer of TCF for 20 years before it merged with Huntington. To make matters worse, this was the last day of the month -- I had to scramble to set up a new checking account at another bank in order to make sure I could pay my mortgage on time. I had to cancel planned payments and change them to my new bank. I had to take time off work to deal with this issue.by visiting my mortgage company to fill out paperwork in order to stop the auto payment for my that would have bounced. 

Perhaps the worst thing of all- is that the tellers told me this has happened to other people before. So Huntington has known about this issue, and has taken no measure to correct it and make sure it does not happen again. I still can not wrap my head around them deciding that they would close my account before the check cleared. If {$10000.00} is too much for a mobile deposit, perhaps they ought to change the advertised limits. Again, this was a check from my parents and we have the same unusual last name. My parents gladly would have come into the bank with me if there were any suspicious of fraud
Consumer complaint received 2022-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

Seteres some how got our loan. Me and my husband got divorced. I got a letter stating that on 2 occasions my signature was forged. I requested copies of forgery which I gave the address I needed them to go to and also to be faxed to the XXXX Illinois Police Department. They never faxed my request and they sent the documents to my x. So the police did nothing. Then they closed and I have still been trying to get the forged documents. Mr. Cooper supposably took our loan and I requested the documents from them. But they claimed that Seteres didnt give them those documents. I figured out who forged my name. And now I am going to file a suit. But at this point I am so tired of waiting forever. I need to put this behind me. My name is XXXX XXXX XXXX my home was XXXX XXXX XXXX XXXX XXXX Illinois XXXX. XXXX. I also received a gift of equity from my parents for the house which I was to receive back. In Illinois a gift of equity goes back to blood relative. Of course everything of my divorce and sale of the house took everything from me. I still need these documents
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NY)

Experian is reporting incorrect personal information. 

Inaccurate names : XXXX XXXX XXXX XXXX ( there is no space in my name, please delete ) XXXX ( there is no space in my name, please delete ) XXXX ( name spelled wrong, please delete ) XXXX XXXX ( last name incomplete, please delete ) XXXX XXXX XXXX ( last name incomplete, please delete ) XXXX XXXX XXXX ( last name incomplete and there is no space, please delete ) XXXX ( last name incomplete, please delete ) XXXX ( name incomplete, please delete ) XXXX ( there is no space in my name, please delete ) Inaccurate Addresses : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2017-01-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Bank of America refuses to allow me to use my credit card for internet purchases. I am only allowed to use the card for in person transactions that use the chip. Several months ago fraudulent activity was discovered by Bank of America. Since then, Bank of America will no longer allow me make credit purchases except in person with the chip. I have called Bank of America 6 times and am told it 's the merchants fault. That is false. I could not use my credit card for XXXX, XXXX XXXX XXXX, XXXX and XXXX.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

1. I am unable to get my Experian credit report. This has been a persistent problem.

2. My XXXX credit report shows a drop in my credit score of XXXX XXXX even though there has been no negative reporting on my report.

3. My XXXX  account shows no update to my Experian and XXXX credit scores since XXXX XXXX XXXX

4. My XXXX  account shows no update to my XXXX credit score since XXXX XXXX XXXX.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

1. I am unable to get my XXXX credit report. This has been a persistent problem. 
2. My XXXX credit report shows a drop in my credit score of XXXX XXXX even though there has been no negative reporting on my report. 
3. My XXXX account shows no update to my XXXX and Transunion credit scores since XX/XX/XXXX. 
4. My XXXX account shows no update to my XXXX credit score since XX/XX/XXXX.
Consumer complaint received 2024-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

My PayPal account was hacked with 90 requests for payment in the amount of {$990.00} each request. 
I never was notified by PayPal of these XXXX Payments requests. 
I had to contact them. 
Not only that but on the request for payment each one had a phone number to call if you didnt know these people or owe any money to them. That phone number is to the people requesting the money and they are acting as representatives of PayPal. 
Also I received emails saying that I also requested money from others in PayPal that I asked for {$1900.00} from these people. 
When I called the actual PayPal customer service. I asked them to block my account. 
It took several requests to get that done. 
I changed my password 3 times. 
PayPal is not protecting my account as to their business model says that my accounts are protected by them. They kept telling me not to worry about it and that in 10 days to keep checking my email to see if the issue is resolved. Also I personally need to go through all 90 of the money requests and cancel them myself. 
I cant tell which PayPal emails are real or fake. 
This is highly concerning and not professional at all!
Consumer complaint received 2022-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

They let my insurance property lapse, because they didn't pay it. Then sent me threatening letters saying I had to provide new insurance or they buy on my behalf. They handle the escrow. They paid the insurance policy last year from the escrow, but not this year. They must do the needful while maintaining the escrow account.
Consumer complaint received 2015-10-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

My home was foreclosed before I had the chance to pay the past due. I never got to have my full 37 days to correspond. I am attaching more supporting paperwork to say that my home was taken from me before I could respond after speaking with Carrington Mortgage. Again, another home taken from a Service XXXX Veteran.
Consumer complaint received 2022-02-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

On XX/XX/XXXX and XX/XX/XXXX I have attempted to contact Kohl 's corporation in regard to an allege debt that they are saying I owe. I have submitted three requests for " proof of validation. '' and to no prevail, I have not received any proof from Kohl 's showing that I am the one indeed legally obligated or responsible for this debt. However, I continue to receive inefficient documents from them. Please see attachment.
Consumer complaint received 2022-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

My mortgage is being serviced by Citizens Bank. I went on forbearance last year during COVID in XX/XX/XXXX. In XXXX of XXXX I requested a deferral agreement following the COVID forbearance and it was approved as of XX/XX/XXXX. I have made monthly payments since XX/XX/XXXX. However, my account is still reporting as in forbearance to the credit bureaus and on my mortgage statements. 

The payments I make each month are placed in a suspense account and despite calling over 100 times since XXXX to get this resolved, I have been told that this will only be resolved " once the system updates '' and that this is for my own protection. 

However, the problem is that I am in contract to purchase a home with a deposit in escrow and due to the current forbearance status I am unable to close on the property. If this continues to be an issue for much longer I will lose my deposit, as this property was being used as a bed and breakfast and they have every right to take my deposit due to lost revenue.
Consumer complaint received 2015-04-13
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

XX/XX/XXXX and XX/XX/XXXX - I tried to make a payment to Carrington Mortgage Services company on their website, as I 've been doing in XX/XX/XXXX ; however, the website would not take my payment stating that I did not meet a certain criteria. I called the XXXX customer service line to understand the criteria ; however, they were unable to explain the criteria and wanted me to pay {$15.00} to accept my payment over the phone. I requested a Supervisor/Manager and they disconnected me from the line. My loan is not late, and I do not have any issues regarding my payment history. 
Desired solution : - They need to have a policy regarding calling payments into customer service that does not include paying {$15.00}, if they have proof that their website is not working properly. The website is free, and I would prefer to use it to make payments, but it was not working. 
- When a Supervisor/Manager is requested, they should have a process to connect someone with the Supervisor/Manager and not hang up on that person.
Consumer complaint received 2020-10-16
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. (NY)

I have a credit card with XXXX XXXX XXXX ( " XXXX XXXX '' ). XXXX XXXX provides cardholders with online account management services ; these online account management services allows cardholders to, among other things, view balances, transactions, make payments and view the cardholder 's credit score. When I log into my account on XXXX XXXX 's website, my credit score is shown on the home page. XXXX XXXX 's website states that the credit score provided is " powered by Experian. '' XXXX XXXX 's website also states : " The score provided is your XXXX XXXX credit score. The XXXX display is intended for educational purposes only. The credit file used to create the XXXX is continously [ sic ] updated and the XXXX may not reflect the most current data on your credit file. To request a copy of your Experian credit report, please visit : XXXX XXXX XXXX. For more information on XXXX, please visit : XXXX XXXX XXXX. '' First, XXXX XXXX lists my credit score ( which XXXX XXXX states it receives from Experian ) as XXXX. Experian on the other hand, reports my credit score as XXXX. In addition, XXXX XXXX states that the credit score it  provides ( which is powered by Experian ) is the " XXXX XXXX XXXX XXXX. '' An Experian representative, however, informed me that Experian 's credit scores are based on the FICO 8 model. 

When I told a XXXX  XXXX representative about these discrepancies ( on XX/XX/2020 XXXX, I was told there was nothing XXXX XXXX could do about the issue, and because XXXX  XXXX provides my credit score at no cost to me, XXXX XXXX did not have to correct any inaccuracies.
Consumer complaint received 2015-06-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (MD)

This property was sold and paid-off the above loan on XXXX XXXX, 2014. However, CitiMortgage is reporting the current loan status past due 120 days. I am requesting CitiMortgage send an corrected update to the XXXX Credit Reporting agencies ( XXXX, XXXX, XXXX ) to reflect that loan was " Paid As Agreed ''. 
Change Account Status From : " 120 Days Past Due '' Change Account Status To : " Paid as Agreed and Closed ''
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: CITIBANK, N.A. (MS)

Company has hidden interest charges and charging too high of an interest rates on my account stating that there was a special promotion, but at the time of purchase on eye wear there was no mention of it being a special promotion. Sales person said that if you use our coupon you would get more of a discount off your purchase. ( Sears )
Consumer complaint received 2024-05-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Metacorp LLC (CO)

I lent money from XXXX XXXX and then hired XXXX XXXX XXXX, a payday loan debt management company, to help manage my payday loan debt. XXXX XXXX XXXX and I both sent XXXX XXXX a cease and desist order. So what XXXX XXXX did to get around that was to sell the debt to MetaCorp, LLC, who hired a skip tracer, XXXX XXXX to find me who violated that cease and desist order in reference to the regulations for skip tracing/private investigation set forth by Colorado XXXX XXXX XXXX XXXX XXXX XXXX I contacted the XXXX XXXX XXXX about XXXX XXXX and they are now obeying the cease and desist order and have informed MetaCorp, LLC. I was informed a few months ago by XXXX XXXX XXXX XXXX XXXX XXXX that the debt was paid off. All in all, it seems that MetaCorp, LLC does not care about abiding by the legal cease and desist order. The XXXX XXXX XXXX  said the matter was resolved even though clearly it is not. The Consumer Protection Unit for Colorado Attorney General XXXX XXXX XXXX communicated it was your problem and not theirs.
Consumer complaint received 2020-10-16
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: CITIBANK, N.A. (TX)

On the following dates I had fraudulent charges placed on my Citi Double Cash credit card : XX/XX/2020 XXXX XXXX  XXXX CA Digital Account Number XXXX {$42.00} XX/XX/2020 XXXX XXXX  XXXX CA Digital Account Number XXXX {$170.00} XX/XX/2020 XXXX XXXX   XXXX CA Digital Account Number XXXX {$52.00} XX/XX/2020 XXXX XXXX XXXX CA {$41.00} XX/XX/2020 XXXX XXXX  XXXX CA {$20.00} XX/XX/2020 XXXX XXXX  XXXX CA {$54.00} XX/XX/2020 XXXX XXXX   XXXX CA {$73.00} XX/XX/2020 XXXX XXXX  XXXX CA {$40.00} XX/XX/2020 XXXX XXXX   XXXX CA {$5.00} XX/XX/2020 XXXX XXXX  XXXX CA {$31.00} XX/XX/2020 XXXX XXXX  XXXX CA {$32.00} XX/XX/2020 XXXX XXXX   XXXX CA {$58.00} I was contacted by Citi and stated that the charges were all fraudulent. From XX/XX/XXXX to XX/XX/2020 my entire family was in quarantine with Covid-19, and this can be verified by my employer, the XXXX XXXX  XXXX XXXX XXXX, and my medical provider. I have been very responsive with Citi and immediately replied to all inquiries, and stated that the card in question was in my physical possession while I was in my home. The information provided by XXXX to Citi shows no information matches me, and the card was used in New York. In addition they continued allowing the card to be used after I reported the fraudulent use, and they replaced the card twice before finally stopping all charges placed by XXXX on my account. At this point I lack so much trust in the process the card is locked in a safe and deactivated on the Citi website. 

As of today the investigation is ongoing with Citi stating I have not been replying to their requests which is false. I have never had this much trouble with fraudulent charges on many accounts over the years. The customer service, while polite, is difficult to understand, very limited in what they are able to do, and repeatedly state they are resolving this issue, however nothing seems to have been resolved. Their security and call centers are unable to or unwilling to allow me to speak with managerial staff to get further clarity or any other information. Problems like this with a Citi Costco card have never gone on this long, nor with XXXX, or XXXX XXXX. The Citi rep states 1-2 billing cycles, however we are already beyond 2 billing cycles and this does not appear to be anywhere close to being resolved. I would even suggest that they are investigating each individual transaction separately despite them all being done with one company by the same account holder at XXXX. 

I was first contacted in XXXX, and last contacted on XX/XX/XXXX and last replied on XX/XX/XXXX. I am including the most recent correspondence as well.
Consumer complaint received 2015-05-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAVALRY INVESTMENTS, LLC (MA)

I received a letter from The Northland Group attempting to settle a debt in collection. I responded to the letter requesting proof they were authorized to collect alleged debt via certified letter. They immediately responded saying they returned the collection to XXXX but XXXX is not the original creditor but a collection agency. My credit reports indicate the account in question has been sold multiple times and is being reported to all XXXX credit reporting agencies by XXXX, XXXX and XXXX. All XXXX report inconsistent dates of charge off/collection and all XXXX report inconsistent amounts of the actual debt owed. The debt is being reported on all XXXX credit reports as an active collection even though I have disputed this through the CRA's. Despite my disputes have never received anything materially relevant from any of these companies proving my obligation to this debt. To date I have not had any response from XXXX. I sent a certified letter to XXXX requesting proof of, verification of their authority to collect, and my options to resolve this debt so I may resolve this issue, I requested a response within five days as per law. XXXX signed for the certified letter over one week ago but has had no contact with me and have not given me proof of the debt, my responsibility or options in resolving this matter. I request all communication be done via US Mail and in writing on a company letterhead.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

On XX/XX/2023 - I applied for a Cit Advantage Platinum Select Card after receiving an advertisement while checking out of an American Airline purchase. The advertisement specifically mentioned that I could use the card to " Pay Today '' and received a " {$200.00} '' statement credit and receive XXXX bonus miles. 

After following the advertisement, it was clear the bonus miles were dependent on a {$2000.00} in purchases during the first few months- which this ticket should qualify towards and I submitted the application and received approval. 

However, despite contacting Citi several times using there web-chat, phone, and escalating to a manger ; Citi representatives indicated there was no way to get temporary card numbers needed to " Pay Today '' and that I would have to wait for the physical card to be received 7-10 days later.