davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IN)

I received a notice from Indiana XXXX XXXX Treasurer 's office on XX/XX/XXXX dated XX/XX/XXXX stating that my property taxes had not been paid that was due on XX/XX/XXXX, XXXX if payment was not received by XX/XX/XXXX additional fees and an interception of our personal Indiana income tax. 
I reached out to Mr. Cooper Mortgage company the following Monday XX/XX/XXXX and sent them the documents showing it was past due. 
I spoke to resolution specialist XXXX XXXX who assured me it would be paid within XXXX to 3 days. That did not happen. 
I then spoke to resolution XXXX XXXX XXXX on XX/XX/22 who assured me he would get it resolved. I received an email from Mr Cooper on XX/XX/22 that the payment had been sent on XX/XX/22. I then followed up with the XXXX XXXX XXXX to be sure the payment was received. It had not. 
I then spoke to Mr Cooper resolution specialist XXXX XXXX on XX/XX/22 who assured me the payment was going to be send on XX/XX/22 by FedEx overnight and provided me with a tracking number. That tracking number shows that only a label was created and XXXX had not received the package from Mr. Cooper. 
Today is XX/XX/XXXX, the final day XXXX XXXX has given before interception. 
I have emailed all three resolution specialist to respond and none have replied. 
I need help getting Mr Cooper to pay my past due tax bill as the funds are being held in their escrow account
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (AZ)

I have called multiple times and have tried to explain to them that I have been a victime of identity fraud and I keep getting emails about a Citibank statement and have given them my social security number and they tell me that i failed the two step authentication I need them to close this account which I dont know nothing about
Consumer complaint received 2020-05-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (MD)

I usually pay this credit card in person at the store, and due to the COVID-19 Pandemic it was not possible. The website is not working, and when I log in it tells me that my user and password are not valid. After repeated attempt, I submitted my payment over the phone the same due date. After paying my balance in full on the due date, the next day I was charged a late payment fee with interest added. My previous balance {$37.00}, paid in full, assessed late fee of {$27.00}, and added interest of {$1.00}. 
The online website is not user friendly and does not easily allow me to sign in and pay online, I explained the software system problem to Victoria 's Secret credit card and spoke to all those in charge about this system problem and all of them refused to help me. 
Please help me.
Consumer complaint received 2020-05-30
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: Exeter Finance, LLC. (CA)

Re : Unauthorized credit inquiry I am writing to request the removal of an unauthorized credit inquiry on my XXXX, XXXX  and XXXX credit Report. 

My latest credit report shows a hard inquiry from your company. Ive had a security freeze and fraud alert on my credit file since 2007. According to the FCRA data furnishers are responsible for reporting accurate credit information. The FCRA also states a potential creditor must adhere to FCRA fraud protection guidelines. 

As a consumer I have done my due diligence to seal my credit file. Utilizing the credit freeze feature and fraud alert feature. Your company is in violation of the Fair Credit Reporting Act. My credit file was accessed illegally by your company. My credit file clearly states a company must contact me via phone to ask identifying questions. 

Your company allowed someone to gain access to my credit file to apply for credit I did not authorize. Please remove unauthorized inquires from my credit file. I would appreciate a copy of my credit file once this issue is resolved. 


Unauthorized account information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Thank you, XXXX XXXX
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MS SERVICES LLC (WY)

I was contacted a couple of weeks ago by MS Services about a debt that they had acquired. The lady was horribly ignorant, wouldnt listen to anything I was trying to say, and threatened that I would be taken to court and there would be a large negative impact on my credit. I have been unable to work for the past XXXX months for health issues, and she called me again today demanding that I pay immediately and I have NO options for payment plans. I tried explaining I could make some kind of payment on the XXXX when my significant other gets her check, but she wouldnt accept anything other than half the supposed debt. I never even received anything in the mail about this. She instructed to have my significant other call her, and when she did, the lady was horrible again and demanded that she give her her account and routing number, and when my significant other stated that she wasnt comfortable giving that information, she yelled at her to get ahold of me and make sure to let me know that my own significant other couldnt help me and said GOOD LUCK! And hung up.
Consumer complaint received 2022-07-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (AZ)

Seven months ago I applied for a cash out refinancing with AmeriSave mortgage company. I was approved and provided them with all the requested documents. There were no issues with those. At underwriting, I was informed that XXXX XXXX will not guarantee the loan because the HOAs insurance falls short of the XXXX XXXX  & XXXX XXXX  requirements. The guidelines have an exception that the lender can request but AmeriSave refuses to help and will not let me pay for the extra insurance. I reached out my HOA and they refuse to pay it. Aside from closing my file, AmeriSave has not refunded my appraisal fee, I was locked in at a 5.37 % interest rate but now its over 6.09. When I contacted a different mortgage company, they said that Amerisave was supposed to check the HOAs master insurance plan before proceeding. I spoke to the person at AmeriSave who was assigned to me to deal with this issue and he told me that they did not follow procedure, did not know where the mistake occurred or who was responsible for it. He further said that AmeriSave should have asked for and checked the master policy as soon as I applied and it was in fact their policy to do so, and he believes that the company was in breach of contract. I believe that they acted in bad faith as well, at the very least negligence that has caused major delays and cost me a large interest rate chance since I now have to use a different mortgage company.
Consumer complaint received 2023-07-13
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. (NJ)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Best Buy Credit card through Citibank. Card has never been late and has been fully paid off for months. I was charged a {$99.00} annual fee and within 90 days of the charge asked to have the account closed and the fee reversed. They closed the account but did not reverse the fee and are starting to send late notices after I have asked repeatedly to reverse the fee on the now closed account.
Consumer complaint received 2024-03-07
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: DailyPay, Inc (IL)

To start, I DO NOT have a dailypay account, I have never signed up for or used their services. My normal payday came and I did not get paid. I investigated and discovered my paycheck went to a different account number than it always had... .Very weird, I never updated my Direct Deposit info. This can only be done through our employee portal which is very secure, 2FA, notified via email anytime a change is made, etc... 
I find out the account number is a dailypay account number, I contact them and they verify that none of my info ( name, address, email, phone number ) match the account, BUT my employee ID sure does. 

So, someone made a DP account, and must have used a random ID that happened to work and be mine... 

Dailypay says they " froze '' the account due to fraud, and gave me a case number. This was on Saturday XXXX. I was told I would be contacted in 24-48hrs by trust and safety regarding this case. 

They never reached out to me, I call and they give me the persons info that was assigned to me. I call and request that they reach out to me ASAP and let them know when I'm available ( i work nights, sleeping half the hours of the day ). They do not reach out to me when I say I'm available so I miss the call and attempt to call them back within an hour of them calling me. No answer. I leave a message through a support agent to PLEASE reach out to me again... nothing. It has been 2 days since that missed call and I have called her direct line 12 times over the span of 2 days, left 2 voicemails and 2 agent messages on their backend system. 

I can not pay my bills, buy food or gas. My {$1000.00} paycheck is being held hostage by dailypay and no one there seems to care. I have no idea what to do.
Consumer complaint received 2024-03-07
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCF Intermediate Holdings LLC (IL)

Company claiming to be XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX, FL, XXXX. XXXX. 
Attempting to collect payday loan debt not taken or owed. Citing company I haven't worked for for 10 years. Naming multiple family members names. Claiming wire fraud. Demanding immediate payment. Threat to destroy my good credit rating. Called the creditor they claim to represent and I was informed that this is fraudulent.
Consumer complaint received 2023-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA (MD)

Goldman Sacs - Apple Card. 

Im going through a financial hardship and Ive repeatedly ask Goldman Sacs for a long term payment plan in order to pay back my balance. They offer the ability to skip a payment and other extremely short term options that are of absolutely NO help. Ive probably called them 20 times asking for help. I explained how other banks are closing the account and reducing the interest rate to XXXX and allowing a long term plan. They repeatedly tell me that I would have to wait until the system says Im eligible and then today Im told I had to wait until Im 180 days delinquent with my account in order to be eligible for such a plan. That is insane. They want to ruin your credit before you can even be eligible for a long term payment plan with them. This is completely unfair when I am doing everything I can to communicate and keep in touch with them and explain what is going on with my situation. All my other banks have offered so much help but they offer NONE!!! They should be shut down!
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NC)

Upon discovery I see that Jefferson Capital Systems LLC is reporting an alleged debt onto my credit report without an active debt collector license required by the NC Department of Insurance to operate/collect in the state of North Carolina which is a Class 1 felony pursuant to NCGS Chapter 58/Article 70. I am demanding that Jefferson Capital Systems LLC cease all communication & collection activity immediately.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (MD)

DEAR WESTLAKE FINANCIAL I HAVE NEVER SIGNED A CONTRACT WITH YOU. YOU ARE REPORTING ACCOUNT # XXXX TO MY CONSUMER REPORT. PROVIDE PROOF OF A SIGNED CONTRACT WITH MY SIGNATURE WITH WESTLAKE FINANCIAL AND THE SERVICE YOU PROVIDED!!! & OR THE PURCHASE AGREEMENT OF ACCOUNT # XXXX. FAILURE TO DO SO WILL SUFFICE AS INVALIDATION OF THE DEBT YOU ARE REPORTING. 

BEST, XXXX, XXXX
Consumer complaint received 2023-06-05
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-30
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: Navient Solutions, LLC. (CA)

After filing several complaints against XXXX  through the CPFB and the the FTC XXXX  continues to violate the fcra regarding Fair credit reporting due to the fact that they refused to eliminate and then XXXX collection account done by XXXX XXXX XXXX how to recognize as XXXX  as already done that the month of XXXX and any payment being off was already ordered by the president United States to be considered put off due to the pandemic. That mistake just crossed 143 point drop in my credit and severe hardship for my family
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (CA)

On XX/XX/XXXX I filed my tax return through XXXX XXXX XXXX, when filing I was offered a refund advance for signing up for a new Credit Karma Money account. I received an email from Credit Karma informing me my new account was active and once the IRS and FTB accepts my return the refund advance would be deposited into my Credit Karma Money account. The {$500.00} refund advance was deposited into my account on XX/XX/XXXX when the IRS and FTB accepted my return. On XX/XX/XXXX the FTB deposited my CA state refund into the Credit Karma money account. That same day I linked my XXXX XXXX XXXXXXXX account and initiated a funds transfer from XXXX XXXX XXXXXXXX XXXX Credit Karma Money account in the amount of {$780.00}. The deposit was scheduled to clear on XX/XX/XXXX. On XX/XX/XXXX I linked my Credit Karma money account to my XXXX account and initiated a transfer of {$400.00} from XXXX to Credit Karma money account. On this same day I received my new Credit Karma debit card, I activated the card and set up a new PIN. That night I made a gas purchase with by Credit Karma debit card using my PIN without issue. On XX/XX/XXXX I received an email from Credit Karma money that my account had been frozen as a security measure and await an email with next steps to have the freeze removed and if I needed immediate assistance to contact Credit Karma support. I used their chat and I was informed that I would have to wait for an email from their higher department. I waited all day, the next morning on XX/XX/XXXX I received an email to submit my Drivers license and a selfie via a secure link included in the body of the email. It has been 3 days now. I've made multiple calls and sent emails and have no resolution. My bills are late and my landlord has begun the eviction process on me all because I can not access my funds to meet my financial obligations. This is causing me undue hardship and effecting my mental health with XXXX  is causing. I need help to get them to unfreeze my account immediately.
Consumer complaint received 2024-03-07
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (CA)

While reviewing my credit card activity online, I came across a concerning discrepancya debt collection entry attributed to Jefferson Capital Systems, purportedly stemming from an outdated account with XXXX, dated XX/XX/XXXX. It's worth noting that XXXX ceased operations back in XXXX, rendering the date invalid. All my current accounts are up to date, and the account Jefferson Capital Systems is referencing, allegedly from XXXX in XXXX, falls well beyond California 's statute of limitations on debt, which stands at 4 years according to the state 's Civil Procedure 337. 

Moreover, Jefferson Capital Systems lacks the necessary licensing to pursue collections in the state of California, as they are licensed in the state of Minnesota. According to California regulations, out-of-state agencies must hold a valid California collection license to operate within the state 's jurisdiction. 

Lastly, should this collection claim prove legitimate, I demand access to the original contract bearing my signature, substantiating any alleged debt owed to Jefferson Capital Systems.
Consumer complaint received 2020-05-30
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: DISCOVER BANK (FL)

In XX/XX/XXXX I was laid off from work.. As one can expect I fell behind in my payments to creditors. I notified all of them explaining my situation and asked for forbearance. All were willing to work with me except Discover card and XXXX XXXX ( mortgage company ) I was able to return to work in XX/XX/XXXX. However, I was forced to relocate 4 hours away from my home.. So now more than ever my credit became crucial. 
I immediately began to make as many payments as soon as it became possible.. However, Discovercard not only refused to give me forbearance.. They also refused to acknowledge that I made a payment of {$440.00} within the grace period for XX/XX/XXXX which I have documented proof that I did. They deliberately posted my payment as late on XX/XX/XXXX after I made an online payment on the XXXX just to show my account as 90 days late. 
If that isnt bad enough they signed me up for autopay without my consent therefore committing FRAID. So in XX/XX/XXXX when I made a payment of over {$1700.00}. They proceeded to withdraw an additional {$440.00} a few days later ... 
When I confronted Discovercard and accused them of FRAUD and GRAND THEFT. They responded by saying that they would return the {$440.00} plus any overdraft fees that they caused. 
They did in fact return the {$440.00} all but admitting to my complaint to charges of FRAUD and GRAND THEFT. but did not include any overdraft funds.. 
I have since reported this to XXXX  on multiple occasions and they refuse to remove this from my credit report..
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

ON XX/XX/XXXX of XXXX  I was a victim of a XXXX  accident which left me XXXX XXXX XXXX. 

My wallet and some other belongings were stolen and my debit card was used by the thief in the months I was in XXXX, NO PIN WAS EVER used in these purchases. No signature either, no type of security from chase was ever granted. I was unprotected and chase never did anything about it. My father tried cancelling the card but chase denied him access because hes not allowed to do anything with my account. He had my phone and was able to login the mobile banking however he didnt know how to block the card he is old, I had to wait until I woke up from the XXXX  to find out about this, many transactions were made without my consent. I was supposed to be protected by CHASE, who is a multi million dollar company. I have proof such as a hospital discharge form, a police report and an affidavit. 

I am only asking for CHASE to do whats fair, and help me get my money back they just told me I am responsible for these transactions, however it only took them 3 days to determine this, they didnt even do the proper investigation, they didnt even give it the legal time to properly investigate this case. I am only asking for what is fair.
Consumer complaint received 2024-03-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (NV)

I took out a loan to purchase some shoes from XXXX XXXX. I never received the shoes from XXXX and then once I requested a refund affirm. They deposited {$46.00} into my account and the remainder {$80.00} they told me they had to give me a check because they couldnt deposit the money into my account which doesnt make any sense because if you were able to deposit the {$46.00} you could have deposit The rest of my money I dont understand I contacted my bank they canceled that debit card but they said it shouldnt be no problems with them refunding my money now they were able to deposit {$46.00} and the remaining {$80.00} I have still not yet received theyre supposed to send me a check within 30 days which is not fair to me