davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NJ)

XXXX XXXX XXXX has failed to correct their record even after I have notified them of the Notice of Error. The responses that was provided is incorrect.
The attached record will provide proof that XXXX XXXX sold the mortgage to Dovenmuhle Mortgage Inc ( who claim to be the servicer of the loan ) on XX/XX/XXXX ( see attachment ) before I signed the Loan Modification which is illegal. As a result, Dovenmuhle Mortgage added an extra XXXX and set up an escrow account as well as a suspense account to to the mortgage onXX/XX/XXXX in an attempt to recover money they claimed that they lost, once it was transferred from XXXX XXXX XXXX, the previous servicer of the loan ( See attachment ) Dovenmuehle Mortgage contacted XXXX ( my insurance company ) and provided false documents so that they could set up the escrow account. The attached documents will show a clear violation of the contract sign on XX/XX/XXXX. In a letter dated XX/XX/XXXXfrom XXXX to the Insurance Company RE : Mortgagee Clause Change Endorsement Request to change from XXXX XXXX XXXX to Dovenmuehle Mortgage INC effective immediately since the mortgage was transferred on XX/XX/XXXX. The only records that Dovenmuehle Mortgage keep presenting is dated XX/XX/XXXX. Can you, Dovenmuehle Mortgage INC or XXXX XXXX XXXX explain why the Insurance need to change if the mortgage was not sold? Why does the statement showed a new mortgage? Why does the statement show a 2nd mortgage once it was altered if I only have one mortgage? Is this an effort to cover up the truth by all departments involved?
Attached is the letter received from the escrow dept for the taxes showing that violation was corrected from the Notice of Error without admitting it : Dovenmuehle Mortgage INC fail to show the signed documents which caused them to set up a new loan on XX/XX/XXXXwhich was used to make changes with XXXX XXXX. I want such proof An escrow is only necessary to pay for taxes and insurance. If the insured is paying for their insurance and the property is tax exempt why is Dovenmuehle Mortgage the Servicer for XXXX XXXX XXXX charging extra money ( overcharging ) me on the mortgage payment and you the CFPB is allowing it in violation of my consumer rights?
Consumer complaint received 2017-08-08
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. (AL)

with Equifax For the past week I 've been trying from XX/XX/XXXX - XXXX-XXXX 2017 to initiate online disputes for 4 medical collecations that have all been removed from XXXX and XXXX. They have such high volume calling I ca n't get through and you can not initiate the dispute f I 'm the app or web portal. I 'm a paying member of their site and ca n't get disputes started with them.
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (PA)

US Bank Reliacard Account was put on hold XX/XX/XXXX. They asked for government ID because of large scale fraud in the state of PA. Government ID faxed XX/XX/XXXX. I was told it would take 5 business days to free account of hold. On the 6th day of the hold I was told it may take 10-15 days. I am on unemployment for the 1st time in my life. Our credit is being hurt and we have had to liquidate most of our IRA. I am only XXXX years old. I call US Bank every business day. They can not help me with any answers.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ALL OF MY CREDIT REPORTS HAVE NOT BEEN UPDATED AS OF XX/XX/XXXX MY CREDIT SCORE IS REFLECTED BY NOT REMOVING PAST ACCOUNTS I HAVE PAID DOWN DEPT AND IT IS NOT REMOVED FROM MY CREDIT REPORTS I AM TRYING TO GET OFF OF A ADJUSTABLE MORTGAGE BUT KEEP GETTING TURNED DOWN BECAUSE OF A LOW CREDIT SCORE. 

IN XXXX I SUBMITTED A COMPLAINT TO THE CFPD AND IT WAS INVOLVING ANOTHER MEMBER OF MY FAMILY AND THE THE TRACES OF THAT COMPLAINT HAVE BEEN CLOSED BUT TRACES OF THOSE ACCOUNTS STILL ARE ON MY CREDIT REPORTS.
Consumer complaint received 2017-08-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (IL)

On Tuesday XXXX XXXX, 2017 I went into my Chase bank branch. Made a wire transfer from my account in the USA to my account abroad, XXXX. I have wired money before and it has taken two business days.
The transfer did not go through after two business days so, I called the branch on Thursday X/X/17. They told me that technically they have until X/X/17, but that they will look into it. The branch manager called me back and said that all was good that the money had been released.
I arrived into XXXX X/X/17 and no still no money ; I was to close on a home here today X/X/17 and nothing.
I called on X/X/17 to inquire about wire transfer, they said it should be released within 1 hr. Monday X/X/17 still nothing, they said it was out of their hands and that I should call the Chase Wire department.
I called the Chase Wire department ( this international call will cost me a lot of money ) and they said that the wire transfer should be here by X/X/17 ; and still nothing.
Today is X/X/17 and nothing. This is ridiculous, I am stuck abroad, with no money.
**The worse part is that within the phone calls made, I have spoken to several representatives, some passing me on to others, and some even telling me that the transfer does not exist on my account.
For example yesterday I called XXXX, one customer representative said that the money was released X/X/17 ; when I inquired about the delay, she passed me over to another  representative, the other representative told me that she did n't know what transfer I was talking about since she did not see any wire transfer- as you can imagine I was upset. This representative suggested that she contact he branch manager to inquire about this.
She called he branch manager and his response was that the wire had gone through and that I should have the funds available today X/X/17.
That international call lasted over 55minutes. There is major miscommunication between the representatives.
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (TX)

When I received my credit reports. The information was reported charged off when actually I paid the account in full and received the title. Also I took a title loan years after it was paid off and the car was totaled the insurance company paid the Balance off and sent me the difference. This company reported it. As being repossessed.
Consumer complaint received 2020-06-02
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

Freedom Mortgage my current loan service will not stop calling my to solicit a refinance to my home. 

I have told them 7 times on a recorded line to add me to the do not call list. I believe they are violating the FTC laws. 

I am confident they will call again.
Consumer complaint received 2020-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched FTC ID Theft Report case XXXX **NO ACCESS TO REPORT OR RESOLVE FRAUD due to ( XXXX. ) CLEARLY, USAA gave me NO OPTIONS BUT TO PHONE. USAA ONLY PROVIDED PHONE ACCESS. see attatched CREDIT CARD FRAUD CLAIM DATE OF XX/XX/XXXX letter dated XX/XX/XXXX COMPLETION OF THIS FRAUD INVESTIGATION. USAA HAS NEVER PROVIDED THESE PERMANET CREDITS {$470.00}. THIS ACCOUNT IS DELIQUENT DUE TO ** NO FRAUD CREDITS PROVIDED. USAA POSTED {$460.00} Fraud Credits XX/XX/XXXX for XXXX FRAUD. USAA DESTROYED MY CREDIT WITHOUT RESOLVE OF FRAUD.
Consumer complaint received 2020-09-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC (MA)

I didnt realize it was going to be this bad. My bank wants to set me up with a new account to avoid this but Im afraid theyll come after me at my job. I cant lose my job due to harassment. Im very scared. I was struggling but I didnt realize how much Id have to pay back. The bank says they keep taking and taking and taking and the fees are crippling me.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When the pandemic started last year ( 2020 ) I contacted XXXX XXXX to request the deferment of my payments- due to COVID-19 and job-loss. XXXX XXXX was very nice and agreed to defer all my payments for 6-months, they also told me that I would not need to make any payments and that they would not report any late payments on my credit reports. Fast forward to today, and XXXX XXXX is reporting several late payments on my credit reports. They said that they would not report late payments but, they did, this is not right! I am trying to buy a house and their late payments are stopping me from being able to get a mortgage. Please help me get these late payments removed, per our original agreement.
Consumer complaint received 2020-05-06
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: Experian Information Solutions Inc. (AL)

In XXXX of 2020, I disputed an item that was fraudulent ( XXXX XXXX XXXX-acount # XXXX ) on my credit report with the three credit bureau XXXX, XXXX and Experian for this fraudulent account to be removed from my credit report. I asked for verification from XXXX XXXX which is self lender loan, to show me where I sign up for this account and how would this loan be paid for. I did not sign up for self lender and I placed fraud alert on my credit report So nothing else would come up on my report in my name fraudulently and addressed this issue with the credit bureau in my dispute letter that I don't know where this comes from. I also reached out to XXXX XXXX XXXX  and could not receive any information from them so I'm reaching out to the cfpb to get some resolution to this fraudulent account that was placed in my name.Because clearly this is identity theft and no one is helping me with this matter. I don't know how much wood this was a loan that was set up in my name fraudulently and apparently whoever did it made two payments out of a bank account that clearly is not mine. But I'm not getting any response from the three credit bureaus or XXXX XXXX XXXX. So I'm asking for an investigation to show me where I signed up for this loan and to have it removed from my credit report.
Consumer complaint received 2020-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BBVA FINANCIAL CORPORATION (IL)

I transferred money to my bbva account from an external account on XX/XX/2020. I received a message from my external account that it was Sent and the time it was sent and when it arrived there. BBVA however have not posted the funds even after they opened
Consumer complaint received 2021-01-25
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: EQUIFAX, INC. (FL)

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE MADE A CRIMINAL COMPLAINT TO LOCAL AND FEDERAL AGENCIESI am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

On XX/XX/21 I received a targeted offer while logged in to my Citi credit card account online. The offer stated I would receive {$200.00} cash bonus if I deposit {$3000.00} new to Citi funds within 60 days of account opening. 

I clicked the offer buttons to proceed to open a Citi checking account and deposited the new to Citi funds of {$3000.00}. 

After 60 days, I chatted with a representative to see why I have not received my bonus. They were of no help. 

It has now been 97 days since opening and depositing funds and I have not received the promised bonus.
Consumer complaint received 2020-09-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (GA)

In XX/XX/XXXX when the pandemic started I reached out to mortgage company Fay Servicing for assistance. Fay servicing offered a forbearance for 3 months for the months of XXXX, XXXX and XXXX to resume on XXXX. I received a letter from Fay servicing stating that all 3 months in the rear was due on XX/XX/XXXX along with the XXXX monthly payment I also received a foreclosure notice. I called Fay servicing in XXXX to see if I there were any other options I was told to call every week because they update their Covid-19 relief weekly and that I was still in forbearance I was told to complete a loan modification which I did and submitted to them. called every week as I was instructed to do. The first week in XXXX I was told my modification was under review and the underwriter will respond by XX/XX/XXXX. I received notification in the mail on XX/XX/XXXX stating my modification had been approved for forbearance for 3 additional months and at the end of the forbearance my monthly mortgage will be doubled for 6 months. The letter stated that I have 14 days from the date of the lette which was dated XX/XX/XXXX to appeal. I wrote an appeal and sent it certified mail on XX/XX/XXXX. I called Fay servicing on XX/XX/XXXX to see if they received my appeal and the representative said no and told me that I can email a copy of my appeal to XXXX. I emailed a copy of the appeal. I received a voicemail from my account representative XXXX XXXX on XX/XX/XXXX at XXXX XXXX stating that my appeal will not be submitted because I did not get it in by the deadline and I can not send it by email. I called Fay servicing on XX/XX/XXXX and spoke with a representative that said XXXX put in the notes that my appeal was suppose to be submitted by XX/XX/XXXX and it didn't make deadline so it will not be submitted for review. I asked to be connected to XXXX XXXX left her a voicemail stating that I mailed my appeal and I emailed her a copy of my receipt, certified mail dated XX/XX/XXXX, copy and a copy from the post office confirmation that it was delivered and picked up on XX/XX/XXXX. I didn't receive a call back from XXXX. I called again on XX/XX/XXXX and another representative said she saw in the notes my appeal was not being submitted. The representative connected me to XXXX and I explained to XXXX that I submitted my appeal in sufficient time. XXXX said on the delivery confirmation it had the wrong zipcode. I pointed out that on the receipt and certified state had the correct zip code. I also pointed out that it is ridiculous that they give 14 days to return an appeal when the postal service is not as dependent as they once were due to the pandemic. I informed XXXX that I will be contacting you all because I have complied with everything that Fay servicing has asked me to this far and they don't respond back and for them to decline my appeal after do everything that was asked of me is unacceptable. I have attached the supporting documents. Thank you in advance for your help in this matter.
Consumer complaint received 2022-02-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Redfin Corporation (NC)

Applied for a mortgage pre-qualification with Redfin on XX/XX/XXXX. Was told I would be pre-approved in a few days. As of XX/XX/XXXX, no movement was made to approve uploaded documentation and pre-approve mortgage. XXXX XXXX has also not responded to inquiries since XX/XX/XXXX. We are concerned he is stealing our personal information since there was clearly no effort to approve application.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I received several emails from XXXX XXXX XXXX stating that I had ordered a mobile device a Red XXXX XXXX XXXX Gb that was apparently ordered on XX/XX/2020 I thought it was a scam and I deleted them. My daughter called and told me she was a victim of a possible data breach on her credit. I checked my credit report and found that there was in inquiry for XXXX XXXX XXXX on XX/XX/2020 I immediately disputed the inquiry and called XXXX XXXX XXXX since the phone was in the process of being delivered they cancelled the order. I immediately joined XXXX to monitor my credit.
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

Under the new law effective XX/XX/XXXX, 2017 any public record data must include name and address as well as SSN or D.O.B. in order for it to appear in your credit file. The credit bureau has not updated the information as per the new law true bankruptcy listed does include this information and should be deleted from my credit report.
Consumer complaint received 2021-03-29
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)

TODAYS DATEXX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX* Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX-XXXX/XXXX  XXXX I recently submitted a request for investigation of an Acct Number : Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-05-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I contacted the SPS mortgage servicing company to request a mortgage loan forbearance due to work closure on XX/XX/XXXX. 

My mortgage loan was transferred from XXXX XXXX XXXX as of XX/XX/2020. After registering as a new customer with SPS, I immediately asked for a forbearance due to my job situation. I also sent two emails to my account 's Relationship Manager on XX/XX/XXXX and XX/XX/XXXX respectively. Those emails were never returned. I also sent a letter dated XX/XX/XXXX outlining my concerns about the proposed forbearance plan and my objection to the agreement. 

Although approved for the forbearance, a balloon payment was to be required in month 4 of approximately {$12000.00}. If I am asking for a forbearance now, how does SPS expect me to make a large balloon payment 4 months later? When I called a spoke to an SPS representative, they could only tell me that " some options '' would be available to me within 30 days of the forbearance plan 's end date. I pressed the representative for answers but all I got was excuses and confusion. 

At that point, I asked that the forbearance plan be cancelled. I told the SPS representative that the CARES ACT does not authorize mortgage lenders or servicers to add on balloon payments at the end of a forbearance period. Again, I received no assistance but excuses. I also made note of the CARES ACT provision within my XX/XX/XXXX correspondence to SPS. 

SPS has no interest in helping struggling homeowners. I request that your organization hold them accountable for not providing solid solutions for homeowners during this COVID-19 crisis.