davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

First my ID and Social are attached so there should be no issues investigating my complaint. My identity is verified with information I attached. Please investigate and not closed complaint. 

Equifax refuses to update my credit report with information in a timely manner. Also With reporting the correct information. I have had to file 5 complaints in 2 years to get my information corrected. My last complaint was XXXX/XXXX/2020 about fraudulently reporting collection account. I used proof for my complaint from XXXX XXXX. XXXX XXXX allows me to know what Equifax is and is not doing with my credit report. 

Since my last complaint XXXX/XXXX/2020 Equifax is not blocking XXXX XXXX for access my account. There is nothing XXXX XXXX can do because this is blocked from Equifax.
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NJ)

Hello Sir/Ma'am, On XX/XX/20, I submitted a payment from XXXX XXXX  to Barclays Bank Delweare ( BarclayUS.com ) in the amount of {$1000.00}. To this date that I'm contacting you regarding my concern, Barclay Bank has not applied the money toward my account, and further declared they can not find it and thus will not refund my payment. In the course of nine months, I have submitted proof of payment from chase over ten times. Barclay Resolution department has spoken via three way confirmation with XXXX XXXX  confirming that the payment was in fact made, and that I have been given any physical proof of payment which is available. I have been given several case numbers by Barclay Bank Resolution center which I will provide below : XXXX SUPERVISOR XXXX XXXX XXXX XXXX XXXX XXXX ON XX/XX/20 XXXX from the Barclay Resolution center stated to me that he determined the payment was applied to the wrong account by Barclay bank. He further stated the last two digits of my account number were entered incorrectly by Barclay and it would be adjusted. After a week went by after speaking with XXXX, I received a letter from Barclay Bank stating my case was closed again with no resolution. On XXXX I called Barclay resolution to see why my case was closed, I was told the payment was not received once again. When I reminded the resolution employee XXXX from her department had said it was applied to the wrong account, I was told they could not find it anyway and thus my money was simply gone with no responsibility on the part of Barclay. 

On XX/XX/20 I followed up once again on a three way call with a XXXX  Claims representative ( XXXX ) to the Barclay Resolution Center. We spoke on a three way conversation with XXXX from Barclay who stated he can see the proof of payment from XXXX, but could do nothing to resolve my issue. Once again XXXX was reminded from the claims specialist working for XXXX XXXX  on the three way call, that the payment was made and all proof has been submitted confirming payment. 

After 9 months, Barclay Bank informed me they will not refund or apply my payment and it has been lost at my cost. I have provided the written proof they requested, I have gone to the Branch to gather proof as they have requested as well as having them speak with XXXX XXXX  claim specialists who have determined and provided proof of the time and date the payment was sent and received by Barclay Bank. Despite this proof, Barclay still refuses to refund or apply payment to my account. 

Thank you for any of your time in helping me to address this issue. This has been a very draining time for me and my family with all that Barclay Bank has put us through. 

Respectfully XXXX XXXX
Consumer complaint received 2020-10-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (MD)

I had a mortgage at loandepot and refunded with them. My settlement was XX/XX/XXXX. In order to not have to bring a payment to closing and avoid going to a bank during covid I was advised I could pay my payment due in XX/XX/XXXX early during XXXX and then those funds would be applied at closing so I didnt owe money. I did this and the closing went great. Online I can see my loan was paid in full on XX/XX/XXXX but on XXXX/XXXX/XXXX loan depot incorrectly automatically pulled {$4100.00} from my bank account when my loan was paid in full and my XXXX payment was already made in XXXX. They clearly have a lack of controls on their payment processing process. 

I called up the next day to ask them why they did this and have the payment refunded explaining I did not want to wait for my refund of my loan because they improperly pulled this money and I needed it due to Covid issues. My son got XXXX  back on XXXX and my wife had to quit her job due to care for my son and has been unemployed since without any state unemployment. The person on the phone told me she would process a request to refund it and I should happen in a week. It has now been 24 days since my loan was paid in full I have still not received the refund. I called loandepot on Saturday XX/XX/XXXX and was told that the request for a refund was cancelled because they would refund the money with the normal escrow process 17 business days after the closing. This is unacceptable as they had no right to take this money in the first place but additionally Friday XX/XX/XXXX was 17 business days after the close and I am on the phone with them and am told the escrow refund is still not processed. In my opinion this is unfair business practices.
Consumer complaint received 2017-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (FL)

We have several issues. According to Navient we took out several parent plus loans for our Daughter through XXXX. We signed only for XXXX in the first year, but according to Navient, there were more loans taken out, including when she was not attending XXXX. We asked for copies of the loan documents and all we received were one page docs, with my name typed in. Also the amount of the loans ( not counting interest ) far exceeded her tuition by two years. When we asked XXXX for copies, we were told they could not release them ( after they asked us if we were attorneys ). We were given a Navient Fraud Hotline which tells us that it is temporarily unavailable and to call later and then disconnects. Lastly, our daughter is and has been on XXXX and supposedly has had her loans forgiven, which makes the amount that I owe even crazier.
Consumer complaint received 2023-01-24
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. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3.00} XXXX XXXX XXXX XXXX : {$40000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$49000.00}
Consumer complaint received 2021-01-26
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. (CA)

I have a dispute with Equifax that was filed on XX/XX/2020 under confirmation number XXXX. 

Equifax has not corrected the information nor completed the investigation in a timely manner.
Consumer complaint received 2020-10-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC (VA)

My husband and I decided to refinance with a cash out option on our home with Movement Mortgage. We started the process In XXXX and ended up closing in XXXX. CD 's were late being delivered to us and we missed one of our scheduled closings, which caused an increase. We received a CD Disclosure on XX/XX/XXXX, which we were told was not the 'final disclosure ' but it would get our 3 day window started and that there were some fees that the lender was going to take care of. This disclosure was esigned by us on XX/XX/XXXX. A second disclosure came out to us on XX/XX/XXXX ; which was both esigned ( XX/XX/XXXX ) and then hand signed at closing ( XX/XX/XXXX ). This CD changed the amount of the cash out we were receiving, and provided lender credit. The final CD arrived on XX/XX/XXXX ; while we were on our way to closing. The title company supplied us with full copies of the XX/XX/XXXX paperwork at closing, which we hand signed and went home with ; to be funded on XX/XX/XXXX, with an amount of XXXX. When funding came through on XX/XX/XXXX ; the amount funded was XXXX. We immediately called out to the Title company because of the discrepancy, and was told that the CD was amended after/during closing by the Mortgage Company, and that they would reach out to them and see what was going on. During this time, the lender reached out to us ( on XX/XX/XXXX ) to ask for more paystub information, as they didn't get enough to complete their files before closing occurred. On XX/XX/XXXX, we received an email back from the Title Company asking us if we had heard from the lender. We had not, and forwarded that email to the lender with Movement Mortgage, and was advised that they were " working on resolution ''. Since XX/XX/XXXX, every email sent and received to/from the mortgage company just stated they were working on it ; Voicemail messages and emails to Movement Offices and Compliance Departments went unanswered. So on XX/XX/XXXX ; we sent an email to our lender advising if we did not receive a resolution that day that we would have to pursue legal advice. This seemed to have gotten a reaction out of the lending company ; because we then received an email not only stating that the additional funding was being sent for the " Tolerance Cure '' but that they cc 'd legal as well. So while things seem to be moving along in regards to the funding discrepancy ; we now have questions as to whether or not we ever received the fees that the lender said they were taking care of, the appraisal fee that we pre-paid and were to be reimbursed, and that the overall state of our refinance was done correctly. It further concerns us that our account was funded off of a CD that was sent during closing, that was never fully signed or disclosed. When we looked up what a Tolerance Cure is, it talks about a method to keep consumers from being over charged and TRID violations.
Consumer complaint received 2020-08-31
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: CITIBANK, N.A. (MA)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of  this account.
Consumer complaint received 2020-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (TX)

I received attached Discover letters dated XXXX & XXXX. Please send the transcripts of conversations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. And transcripts of calls in XX/XX/XXXX regarding settlement options as mentioned in letter Dated XXXX. Discover is viewing these settlement options as assuming liability but is nothing more than trying to get rid of a 3-year nightmare. 
Please send details on fraud investigation regarding the payments made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please send name of bank, account holder, time of payment, and source of payment either mobile or computer. Please also send the transcripts of these three payments made over phone. XXXX deemed payments made from your XXXX my XXXX financial institution per letter dated XX/XX/XXXX. If a proper, thorough, and accurate investigation had been conducted by Discover, Discover would have realized these were not my institution and not my authorized payments. The XX/XX/XXXX letter also references your financial institution advising they were unable to locate the bank account ending in XXXX. This is fraud, hot check and THERE ISNT ANY REASON THAT I WOULD HAVE DONE THIS! Yet Discover determined no fraud occurred.

Please send copies mailed USPS for the notification of returned payments sent to address of reference as reflected in your Letter dated XXXX.
Consumer complaint received 2020-10-31
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: CBC Companies, Inc. (TX)

Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$25000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$25000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 73 Months Company sold - Original creditor - Comments - Your statements XXXX Contact XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - Closed Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$16000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$16000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 61 Months Company sold - Original creditor -
Consumer complaint received 2020-11-04
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: STATE EMPLOYEES CREDIT UNION (NC)

I've filed a dispute in regards to the incorrect items on my credit report to XXXX  it has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$25000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$25000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 73 Months Company sold - Original creditor - Comments - Your statements XXXX Contact XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - Closed Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$16000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$16000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 61 Months Company sold - Original creditor -
Consumer complaint received 2023-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AL)

Our mortgage payment from XXXX to XX/XX/2023 went from {$1200.00} to {$1500.00} somehow in the changeover from XXXX XXXX to Freedom Mortgage. When contacted, I was told our taxes were never escrowed so not only did we have an increase in the escrow amount, but we were also in an escrow shortage. I've contacted the attorneys that did the closing, XXXX, Freedom, everybody I can think of. I've appealed to our Tax Assessor 's Office ( taxes hiked significantly and an unrealistic appraisal is currently on our property ), nobody seems to know why this happened or how to fix it. Even if we paid the lump sum for the shortage, our " FIXED '' rate mortgage would still go up? How can this be? Neither we nor our Insurance Company can figure out where they're getting these numbers and we are overcome with stress.
Consumer complaint received 2021-04-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens One bank continual problems and they delegate the blame and responsibilities to persons replying with NON relevant information and misleading information their inability to explain their own actions or inactions ... NOW I made a liump principle payment YESTERDAY via Electronic bank transfer.. their website took the payment and gave this reference number s-XXXX. today a full day later I checked my account just now and it shows NO payment at all from yesterday.. this bank is NOT crediting payments properly or timely more proof how they ripp off extra interest.. as of this writing my account shows no payment yesterday and it was electronic should have been immediate but this bank drags its feet when it decides to credit payments so they can collect extra interest for extra days THATS FRAUD and EXTORTION ... as said before this bank misleads clients as well the garbage they sent me had nothing to do with my actual payments and indicated I was paying more interest than I should be and now I have more proof because they arent even crediting immediate payments on the same day even.. they are bilking the public and you know a few dollars to millions of people adds up every month doesnt it ... ask this bank. My account I checked today doesnt even show yesterdays payment anywhere on my account page so answer me this how did they generate that confirmation number?? and never bothered to credit the account when the payment was actually made???? I think they continue to do this for extra interest monies
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX  ; Experian and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX  XXXX - XXXX ; XXXX XXXX - XXXX ; Collection - XXXX ; Medical Collections - XXXX ; XXXX ; XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2020-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NJ)

I'm presently in a Chapter XXXX Bankruptcy Case Case No. XXXX. 
My attorney XXXX XXXX XXXX of XXXX XXXX XXXX who had filed and handled my case has retired. I notified the servicing company Fay Servicing LLC. who handles the servicing of my mortgage of the current change. I was informed by my account manager XXXX XXXX that until they receive a letter from my previous attorney who has since retired on his official letterhead that they will not be sending any statements to me including my IRS 1098 statement that will be needed by me in the next couple of months. I forwarded a letter to Mrs. XXXX regarding this as well an email forwarded by Mr. XXXX. Mrs. XXXX was adamant in the fact that none of the documentation was sufficient and that they would still be forwarding all documents to a law practice that is closed even though knowing that I will not be receiving any important documentation regarding my mortgage.
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was laid off on XXXX, I filed my EED claim. 
When I call the bank asking for my debit card, what they do is to block the " card in transit '' and issue a new one. 
BOFA has issued 5 debit cards, each one of them per time I have called them  to request status of the Debit card and none of the 5 cards has ever reached my address. 
My address on file is correct. 
I have 3 months waiting for the first card they said they have issued but I have never received any. 
I need to access to my unemployment payment
Consumer complaint received 2017-12-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (AZ)

This company is reporting on my XXXX and my XXXX but it is incorrect. I have never done business with this company. I have gone down to the actual apartment complex that this debt was originally owed to and have shown documentation supporting my claim. I want this off my credit report as this debt was in the result of neglect on the apartments part NOT MINE. I have tried contacting National Credit Systems multiple times with no luck. This is becoming a huge burden when its not my fault.