davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NY)

I signed a debt management plan on XX/XX/2020. I was told by XXXX XXXX XXXX that I would have to postpone any payments due, or notify the creditors that I was entering into a DMP. That by law, as long as they agreed to my payment amount they could not report me as late or charge any late fees to my account. 

I spoke with someone at each creditor or moved my payment date. Every agreed upon payment has been faithfully made. Not a day late. 

However, certain creditors have reported me late. I have filed disputes with the bureaus which are all well past the 30 day time frame. I spoke with both XXXX XXXX  and Synchrony bank which both told me they do not see anything past due in their system. 

I am trying to take out a loan to provide for my XXXX kids during this time. This is killing me and something needs to be done.
Consumer complaint received 2020-05-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NJ)

There is a lot to say here. I am at my wits end and what i read about this company both from cfpb and other customers has me really concerned. I had problems before the pandemic. I was behind. Before the loan transferred from XXXX i wrote certified letter which i have proof of telling them i was in the property and to contact me once my loan transferred. No one did. then XXXX  XXXX XXXX did and then i heard nothing. Yet they still did a property inspection on XXXX despite me letting them know i was in the property.I requested over and over again thru Ms XXXX by phone and by email what was needed for my review to complete it. nothing for weeks it was not until i escalated it that she got back to me and she calls me when i am not available or when i give her a time she does not say yes i will call and confirm and then she misses me. I still need CLARITY as to what is needed for the review. While i am actively trying to sell the home, i still want the review to go forward. I need loan modification papers now. here is the latest issue in addition to all else, needless property inspections, unanswered QWR and an account manager who does not do her job consistently and get back to me. i just got a paper saying the payment will go up to XXXX with a XXXX escrow shortage. there is no way i can do that. and i have never had such a high payment with such a high monthly amount. Also i have no idea where shortage is coming from the back amount i owe from being behind? since taxes have not gone up that much. I am also doing a property tax appeal now. I need answers. I need relief asap and a full explanation. I need answers to QWR as to why payment went up from XXXX to XXXX or so. I sent it nothing just like I sent that i was in the property and they still did needless inspections. I will never pay for those. In your answer you are going to answer me with a script saying that inspections are in the promissory note. not when you know where i am and when i have mde it known i am in the property which i did. Courts have found them to be arbitrary an capriicious. 
I need this escalated not nasty scripts back i need my case reassigned which ihave asked for over and over. Your reputation Fay servicing is not good and i will not lose my home or be hte victim of unscrupulous acts. I want out of the home as i have for years. i am working on that but i will not lose my time. i need an explanation asap on all and a loan mod and a review. pending selling this place.
Consumer complaint received 2020-05-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IN)

We got behind on our morgtgage payments for the months of XXXX and XXXX. In XXXX, we had the money to pay the 2 past due payment to LoanCare as well as the XXXX payment, but we have not been able to log into our account ( they disable your online access after 2 months of being behind on payment ) nor have we been able to reach a person at LoanCare to try and solve the problem. 

My husband and I have called multiple times a day, every day since XXXX and the automated system identifies your account then hangs up on you. We have answered the phone when LoanCare calls us but it is just an automated message that tells you to return their call. 

I sent SEVERAL emails to every email address I could find. When you email customer service, you receive an automated email response saying they are no longer monitoring that email address. I emailed loss mitigation and even the email address for requesting payoff information in hopes of being able to reach anyone. I have never received a response. 

I reached out to them on XXXX in a private message on XX/XX/XXXX explaining the troubles I was having and they responded and gave me another email address to send an email to, I have sent 3 emails to that email address, still with no response. 

We have the money to make the 4 months of payments, but we are terrified to send the payment to them in case there's no one there to accept the payment. 

We did receive paperwork from loss mitigation to start that process last week, but we we still can't get ahold of anyone. 

We don't know what else to and we don't want to lose our house!
Consumer complaint received 2020-12-05
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Paypal offer " Get {$25.00} when you shop with Paypal this holiday season. Make 3 purchases of {$35.00} or more at select merchants by XX/XX/2020. '' Offer period starts XX/XX/2020 and end XX/XX/2020. {$25.00} credit rewad will be added to the account within 5-7 business days. I made 3 purchases of {$35.00} at XXXX on XX/XX/XXXX. It has been more than 5-7 business days and the {$25.00} credit has not been posted to my Paypal 's account. I contacted Paypal through their message center and was just getting the run around.
Consumer complaint received 2017-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aqua Finance, Inc. (FL)

Aqua Finance is reporting an account in my name, beginning around XXXX XXXX. This is not my account. I have never done business with this company, never signed a contract, never received a bill. The ever-increasing debt of over {$3000.00} is simply not mine. Upon further scrutiny, I 've discovered that the address associated with the account is my ex-wife 's. I did not sign for or agree to purchase anything relating to that address ( XXXX XXXX XXXX, XXXX, FL XXXX ). I can only assume Aqua Finance has decided to forgo due diligence in confirming the validity of the account. I have disputed this account multiple times and it is verified as accurate each time.
Consumer complaint received 2020-07-23
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. (IL)

I filed a dispute regarding the validity of items on my credit repair. It has been 30 days and I have not heard anything back from the agencies or received a letter is in the mail. The original dispute was sent on XX/XX/2020 and the 30 day letter to comply was sent on XX/XX/2020.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: R.M. Galicia, Inc. (FL)

I have written to XXXX, PROG MGT SYS, and XXXX XXXXXXXX   several times pointing out that their reporting of this alleged debt on my credit report is inaccurate. XXXX continues to report this inaccurate and unverifiable information. See attached excerpts from my most recent credit report.
Consumer complaint received 2020-12-05
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: ALLY FINANCIAL INC. (VA)

On XX/XX/XXXX ally financial made a credit inquiry on my credit report and obtained a copy of my credit report for an installment loan. 
I have not applied for any loans or any installment loans through ally. 
I will never apply for anything through this bank after having a bad experience years ago with them. I didnt have a loan it was just bad customer service for questions like 12 years Ago. 
So I did not authorize anyone or this bank to allow ally to have a copy of my credit report but they got a copy
Consumer complaint received 2020-07-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (KY)

I am a student that is looking for housing near campus and found the offer on XXXX on XX/XX/2020. I called at first and someone picked up the phone but since I couldn't hear her properly on the phone, all of my interaction was through the messages. We ask for a showing to the house and she stated that due to COVID-19, she is not offering a showing but we can drop by the house to check it out. This is a pretty hard time for everyone so I believe her, so I went to see the house from the outside. I then pay the application fee of {$150.00} for 3 tenants, {$1000.00} deposit fee, {$500.00} pet fee, and {$800.00} for first-month rent. After we sign the lease, one tenant decides to drop out due to his personal reasons and we had to pay the landlord {$200.00} for redoing the lease. However, after the lease is signed, she stated that her husband found another person that is willing to pay 6 months in advance of the rent and they are considering giving the house to them. The lease agreement somewhat stated that they have the privilege the terminate lease within 10 days of the notice and I didn't want to go through more trouble to find another house go I agreed to pay in advance too. I sent her another {$2000.00} but couldn't do more due to the monthly limit on XXXX. We came to an agreement to pay the rest after we move in. After a week, we just want to confirm the date we will be receiving the keys. Usually, it should be a week before the move-in date and after messaging her, she refused to send us the keys until we make all the payment or until the move-in date. I called her phone and she never answers but does reply to the messages. I find this very suspicious so my friends went to XXXX and found the contact information for the house and found out that the house was sold a week ago, which is after I signed the lease. That house did not belong to her. Then my friend contact the landlord and disguised himself as someone that is interested in the house. She replied that the house is available ASAP. 

I immediately contacted my bank about this and my dispute was denied because XXXX does not offer fraud protection so I can not get the money reimbursed. I also contacted the Kentucky State Police and XXXX Metro Police but they said that my case is considered a civil issue which they do not take care of. I already filed the scam complaint to the FTC and the Kentucky Attorney 's office. I am currently just waiting for their response. 

I have the lease agreement which contains the scammers name and the attorneys name and our messages. Currently, I havent confronted the landlord about the scam to not alert her, but I was supposed to move into the house on XX/XX/XXXX. I know that I am not going to receive the keys but after this date, Im not sure if they can still be tracked down. I suspect that her phone is a prepaid phone. I also have our phone messages still saved. If you need that information, please contact me.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$6500.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$7400.00} Payment Status Current Worst Payment Status XXXX Days Late Date of Last Payment XX/XX/XXXX Amount Past Due $ XXXX Times 30/60/90 Days Late XXXX Needs to all removed from my credit report, all the lates were completely inaccurate
Consumer complaint received 2018-10-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

I opened a checking account with Wells Fargo on XX/XX/XXXX. A transfer of {$25.00} for the opening deposit was initiated from my XXXX XXXX account. I closed the Wells Fargo account the same day. The {$25.00} were debited from my XXXX XXXX account, but according to Wells Fargo the funds were never deposited to my account there. Both banks refuse to help. I want my funds returned to me.
Consumer complaint received 2022-01-07
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: EQUIFAX, INC. (GA)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2020-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I refinanced my primary residence mortgage with XXXX XXXX XXXX in the summer of XXXX. In XX/XX/XXXX, they notified me that they would be transferring the servicing of my mortgage to Loancare ( XXXX ). 

The experience with the transferring of servicing has been horrendous. It is impossible to reach anyone on the phone, and when I send emails to their XXXX, I am receiving back notifications stating that no one is monitoring that email inbox. 

I am not a mortgagor seeking forbearance or deferment. I have liquidity and I will continue making regularly scheduled loan payments. I am demanding better service from the loan servicer and a copy of my most recent mortgage statement so that I may refinance my home mortgage back to the prior lender whose technology and customer service are far superior. 

A glaring error made by the lender and servicer is their inability to even get my social security number correctly entered in their system. The inability of XXXX XXXX XXXX or Loancare to save my SSN correctly and grant me access to view my mortgage statement is absurd and borderline criminal.
Consumer complaint received 2021-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (NY)

Hi, At the beginning of COVID I lost my job. I filed for unemployment benefits with the NY State Dept. of Labor. The NYS DOL approved my case and sent me a Keybnk debit card to access the funds that were deposited into a newly created KeyBank account. 

Then in XXXX the NYS DOL put a hold onto the account and funds and requested me to send in ID verification. 
I sent in the requested ID documents and the payments resumed into the Keybank account. But Keybank still has the Hold on the account and is not allowing me to withdraw the funds. I have contacted them several times and they keep on telling me to contact the NYS DOL. When I contact the NYS DOL they tell me that all is OK and I should contact Keybank again. ( I also have it in writing thru a secure message from the NYS DOL - attached ). 

Im being thrown in circles while my electric and water bills are past due and I have a family of 7 to feed. 
Keybank is refusing to verify with the NYS DOL  and remove the hold and is keeping away close to {$8000.00} vitally needed funds from me.
Consumer complaint received 2022-08-05
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. (TX)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

1

5 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 - in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 - in accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 - in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 - in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 - in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2020-07-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (MA)

I used Guaranteed Rate to obtain a mortgage. The mortgage broker advised I would get a " float down '' so that if the rates dropped before closing I could ( once ) reduce my borrowing cost. He indicated that the rate was 3 % and the mortgage would be sold to XXXX. 

Within a few weeks mortgage rates dropped. I decided to shop around and found a rate through the same bank the loan was being sold to, for the same loan amounts ( down payment, purchase price, loan amount, duration, etc ... ) Guaranteed Rate was arranging for me for my property for a rate of 2.875 %. I was declined the float down by Guaranteed Rate, notwithstanding on two occasions providing written proof of the lower rate offered for the XXXX XXXX  loan. 

In addition, my personal information privacy was violated, including disclosing loan documents as well as my SSN without my consent to other parties. 

I have complained about this on multiple occasions to my mortgage broker, his supervisor and have gotten nowhere. They offered to put me through to Guaranteed Rate customer service. I never got a call, letter or email. Subsequently they provided me the direct email for their customer service. I emailed them advising that I had rate and privacy concerns. It's been about a week with no response.
Consumer complaint received 2020-07-23
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. (TX)

Success! 
Your report was submitted to the FTC. If you provided an email address we will send you a copy of your reference number : XXXX address not mine XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine : XXXX XXXX office of the atty gener oag child su XXXX XXXX   XXXX
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

I have a credit card with Citibank which is cobranded with XXXX XXXX and gives me access to XXXX XXXXXXXX XXXX XXXX XXXX. The annual fee on the card is {$490.00} which I have been paying every year. 

My annual fee is due this year on XX/XX/2020 but because of the Covid-19 Pandemic, I have not been able to use the perks promised by the card. i.e. XXXX  XXXX lounges were either closed or travel has been limited because of the pandemic. 

When I called Citibank to see whether they can waive the annual fee for next year or at least defer it for a couple of months, they refused and would not budge. 

I have not been able to use the perks and rewards promised by the card through no fault of my own and would like Citi to acknowledge and accommodate
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Arcadia Holdings, LLC (NJ)

I paid Arcadia Recovery collections on XX/XX/2020. My account is reported every month and was reported as a Collection on XX/XX/XXXX and XX/XX/XXXX even though it was paid. I also disputed the balance with XXXX  and XXXX. Arcadia will not report this collection as paid and told me I had to wait 60-90 days. I cant get approved for my house and am living from place to place until this collection is reported as settled so I can get my mortgage pre-approval. Arcadia is making me wait 3 months ( 90 days ) and I just want to move into a house. Please see if Arcadia can report this account as paid or settled, please.
Consumer complaint received 2022-08-07
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 XXXX Account # XXXX, XXXX XXXX XXXX, ACCOUNT # 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