davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (RI)

We refinanced with Mr Cooper in late spring of 2021, made the first few payments and everything seemed normal. In late XXXX of 2021 the company completed a reevaluation of the escrow accounts and determined that our payment was to increase from {$2700.00} per month to {$4200.00}. 

During the month of XXXX we have contact the customer service twice by phone, and three times on the web service. Each time we were informed our request would be sent to another department to look into the problem. Some of the written requests were replied with comments to the effect that the problem has been previously addressed.

We have taken the time and gone through the paperwork. The problem in the escrow is a fire tax payment. Mr Cooper has added the tax, at 10 times the actual cost. The tax has also been paid in full, it has always been, and is always billed directly to the home owner ( comment made by the fire tax collection office ).

We have taken the five minutes of time and called the fire tax collection office ourselves and verified we were paid in full and the above information. We have relayed this information to Mr Cooper customer service, who then states they are sharing the information internally with the department with whom we are not allowed to speak.

In the end, this is a huge increase in our monthly payment which we can not afford for the next 12 months. But it is also a payment we should not have to make for the next 12 months. Mr Cooper seems content to float our cash and does not care about the personal costs that might be occurring. We feel that the company is not acting in good faith. 

The system Mr Cooper has set up blocks real problem resolution, I can only assume so that the majority of customers give up.
Consumer complaint received 2019-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (AZ)

Dear Sir or Madam, We did not receive our Amazon credit card bills at our new address for months after we moved from our overseas military address back to Arizona, despite filling out the proper forwarding and change of address forms. This resulted in bills not reaching us, after years of on time and in full payments. The adverse report to the credit agencies is hurting out ability to get a home loan. The problem is clearly reflected in the bills, as once the address is updated the bill is immediately paid in full and has been since that time. 

Sincerely, XXXX XXXX, XXXX, XXXX
Consumer complaint received 2021-08-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation (NC)

Pls see complaint # XXXX. Home Point Financial has not as of yet refinanced mortgage loan. Last time I spoke to the loan processor who was handling my case ( 2 weeks ago ), I was told everything was all set and should be closing on the loan within about a week. Now I just received an email from the company stating that a new loan processor has been assigned. This person just informed me that some of the paperwork they have already requested several times and I have provided every time have expired ( including the rate lock ) and I need to provide yet again. She also explains to me that she will need to contact upper management to " see if '' they can override the rate and keep it at what was originally agreed upon, but had expired due to their delay tactics that has kept me in this process since end of 2020 costing me thousands of dollar in interest in process. I believe this company home Point Financial is purposely delaying this process for financial gain.
Consumer complaint received 2021-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (CO)

I am attempting to retrieve {$100.00} which was stolen via an automatic withdrawal from my personal bank account and deposited into someone's account at the ROBINHOOD trading company on XX/XX/2021. 

I am NOT and have never been a customer of this company. 

I immediately contacted my bank to stop any future withdrawals from my account. 

Robinhood only has an email " customer service '' and it seems to be automated because they are constantly confused, keep asking for the same information repeatedly and nobody has addressed my complaint.

All bank transaction information ( date, amount, bank name, transaction information ) has been sent to Robinhood so they should be able to determine whose account my stolen money has been deposited to. 

This back and forth has been going on since XXXX with no resolution and nobody to talk to at their company.
Consumer complaint received 2021-10-01
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)

Hello I am reporting Equifax credit reporting bureaus i have already submitted a compliant about these crooks, here is the problem this company have my score down nearly a 100 points vs the other 2 agency something is really wrong, i don't trust their reporting and this is my 3rd attempt too bring this matter too light
Consumer complaint received 2021-10-01
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: MoneyLion Inc. (CA)

I submitted a dispute to the company on XX/XX/2021 about a billion error that was reflected on my consumer report. The company had a rep respond to me via e-mail. I outlined the nature of my dispute to her, which took place over the course of a few days beginning on XX/XX/2021. 

Company failed to update and notify the consumer reporting agencies about my dispute, and also failed to do so in the time period required under the FCRA.
Consumer complaint received 2021-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (FL)

I settled an old debt which was XXXX for XXXX this made the account resolved and XXXX XXXX said they would delete the tradeline with in 30 days. But instead of doing that, they sold my account to Credit Control LLC. Now they're saying I owe them, after the fact that i had this matter resolved!
Consumer complaint received 2021-09-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (CA)

On XX/XX/2021, XXXX XXXX from Macy 's Executive office asked that I pay {$170.00} that I do not owe from the Department Stores National Bank. 
I replied and showed proof that all charges on the XXXX XXXX card administered by Macy 's have been fully paid. 
I did not hear back from their office but instead my alleged debt was charged off according to a credit report and eventually sent to a collection agency, XXXX XXXX XXXX. 
I truly find malice in the steps that have been taken to collect {$25.00} for an XXXX subscription that I was not aware of but have been credited for by XXXX.
Consumer complaint received 2021-09-21
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: PNC Bank N.A. (IL)

I have a personal loan. I open the account in XX/XX/2019. For some reason this account only reports to XXXX. It is missing from XXXX and XXXX.
Consumer complaint received 2022-01-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A. (IL)

To Whom It May Concern : In XXXX of 2020, I applied for a loan for my business with XXXX. XXXX qualified me for {$10000.00} which was deposited into the checking account I had with Citibank. Citibank treated me like a XXXX and closed my account and held my funds in both my checking and savings accounts for more than 60 days. They even stopped my automatic withdrawals for my bills. They then stopped all communication with me. Every single person at this bank would hang up on me when I would call in regards to my account. No one would answer any questions or anything they would just hang up the line once they would verify my info. I never received the funds for the {$10000.00}. I went into the branch and was given a corporate phone number and was told to never come back after the phone number was given to me. I called the number and was told that the money was returned back to XXXX. I reached out to XXXX and was informed the money was never returned to them. I spoke with someone in the recovery dept and was told that XXXX was supposed to return the money to the treasury and none of that has happened. Citibank still has those funds. Well, now it is time for me to pay the taxes on that loan. I need the money to operate my business and recover what was lost. If Citibank doesn't want to return me the funds they need to at least return the money to the treasury so that it can be returned to XXXX. Why should I be responsible for paying taxes on something have never even received? It's been almost 2yrs. I am ready to hire an attorney if this can't be resolved. I have had my business banking account with another banking branch for going on 2yrs now.
Consumer complaint received 2021-09-21
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (OH)

Repetitious phone calls by XXXX XXXX with XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from XXXX XX/XX/XXXX - from XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from XXXX XX/XX/XXXX from XXXX
Consumer complaint received 2021-09-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Premier Auto Credit (CA)

On XX/XX/2021 i called the loan company because i had been charged an additional {$35.00} with my monthly auto loan. I spoke to the representative " XXXX '' who informed me that the charge was a " late fee ''. There is no indication within the contract that that was a late fee. XXXX emailed me the page of the contract that indicated late fee charges, however, the document contained a signature that was forged with my name and no valid signature from the dealer. I asked to be provided a copy of the full contract so I could review the document and ensure it was identical to the original, and that i was not being scammed by this loan company who claimed they bought my loan from the original dealer ( XXXX XXXX ). XXXX stated he would send me the contract via USPS mail. When i did not receive it I called back on and emailed the supervisor, customer service, and XXXX on XX/XX/2021. I was then told that reps did not have access to the contract and that the funding department processed my request and would mail it out. yet again, Premier auto Credit failed to send me a copy so i emailed and called them again on XX/XX/2021. I was told by XXXX and another representative that my request had to go through the supervisor and i was transferred over to supervisor XXXX XXXX  extension where i left a message and followed up with my 2nd email to him. I called again on XX/XX/2021 I was then told by representative XXXX that the " funding department provided the contract to XXXX, who would be mailing it ''. To date this company continues to provide me with inaccurate information regarding my auto loan, they refuse to provide me with information requested, and has not fulfilled my request to obtain a copy of the contract they received when they purchased my auto loan. Most of the representative refuse to identify themselves by name ( when you ask their name they hang up in the callers face ), employees are extremely rude, short tempered, and make threats, and/or hang up the phone when individuals call in. I have made a total of 8 payments to this company and i now have reason to believe I am being scammed or that this company is acting in an illegitimate ( fraudulent ) manner.
Consumer complaint received 2019-10-09
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (PA)

my account have been on forbearance because I was in a divorce situation and had no job and subsequently moved to where I am now.. I was challenging for me to resettle and start finding job. Sometime, I hardly able to pay my phone bill and my phone had to be off for couple of days. Most of these times, I informed Fed loan of my inability to pay my loan. 

With this thought in mind, I feel I should have no delinquent remarks on my Credit report and I am requesting kindly your intervention in resolving my credit report issue.
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MN)

Synchrony bank - Walmart Credit Card Account Number - XXXX Credit Limit - XXXX Comments - Transfered to another lender XXXX and XXXX collected on this credit card, and this was paid in full on XX/XX/2019 to them. Im unsure why a year later this has not been updated, as they have stated that they have closed my account and never reported anything on my credit report.
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

On XX/XX/21, I was not able to use my Citi XXXX card at my local XXXX. After several tries, I still couldn't use it. On XX/XX/21 at XXXX, I received an email from Citi saying that they needed to speak to me because they suspected fraud charges on my account. I went online and there weren't any unfamiliar charges. Today, XX/XX/21, I called at XXXX ( and spoke to 4 different reps ), who sent me through a long process of verification that was not only outdated but borderline predatory. I was asked for a home phone number, to which I replied I didn't have, then was asked for a different credit card, which I didn't have, then was asked for a family 's phone number, which I didn't feel comfortable giving, but at this point 1 hour in, I relented, and she said it wasn't able to be used as a verification method. This went on for a long time as I was asked for a lot more personal information, and I was told the only way to use this credit card again is to wait for a letter in the mail. I have so many things I need spend money on and I absolutely can not wait 1-2 weeks for a letter to come. I feel like Citi 's practices here are predatory and outdated, especially for a credit card that has an annual fee of {$95.00} on it. I tried 4 different reps and no one could help me.
Consumer complaint received 2022-08-12
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)

Reporting company Equifax has recently been subjugated to mass headlines for data breaches and incorrectly reporting consumer information. I feel that I have been a recent victim of such activity, and as a result have fraudulent entries reporting on my credit profile that I would like to have removed immediately. The entry displays as the following Account : XXXX XXXX XXXX XXXX Open Balance : {$3500.00} Opened : XXXX XXXX, XXXX Type : No info
Consumer complaint received 2021-08-03
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: CLGF Holdco 1, LLC (FL)

I have a loan with XXXX  and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2019-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

In XX/XX/XXXX I contacted Home Depot/Citi card and advised them of fraudulent charges totaling {$390.00} on my account the days leading up to XXXX. I was held to be liable for the purchases. In XX/XX/XXXX I  disputed these charges, provided evidence of my whereabouts at the time of the fraudulent purchases ( work etc ) and requested they review the purchases ( signature used and in-store camera footage ). XX/XX/XXXX I received a letter from Citibank stating the charges still stand and I was provided a copy of the receipts? This is useless, the receipts do not prove anything other than SOMEONE made purchases. That someone was not myself and my credit file is being affected.
Consumer complaint received 2019-06-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (UT)

I had auto pay scheduled to reoccur each month. On XX/XX/2019 the payment was not withdrawn from my account. I called Westlake financial services and the representative I spoke to mentioned they just couldnt continue to withdraw funds automatically without prior notification to me. I was then billed XXXX dollars for an NSF from west lake financial the funds were available in the account.
Consumer complaint received 2022-09-30
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: EQUIFAX, INC. (PA)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$56.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00}
Consumer complaint received 2021-09-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

I am a long-time customer of Wells Fargo . I went into my local branch office to apply for a PPP loan for my XXXX XXXX XXXX. I was told that I had to open a Wells Fargo business account in order to be eligible for a PPP loan. I opened the account and applied for the PPP loan as instructed, but was turned down. Meanwhile, other Wells Fargo businesses were given hundreds of millions. I believe Wells Fargo prioritized big businesses for PPP loans even though small, women and minority owned local businesses were supposed to be prioritized, as specifically emphasized by Congress. I also believe that Wells Fargo welcomed the opportunity to make money by forcing small businesses to open business accounts. It's clear to me that Wells Fargo was never on the side of its small business owner customers, and we were turned down for PPP loans because serving us was not as profitable. Wells Fargo violates U.S. trust laws and needs to be dismantled. It's business model is to take advantage of its bank customers to serve its financial services enterprises. There should be another class action lawsuit against Wells Fargo for its repeated predatory and unfair practices. A FOIA review of the formula used to decide who received PPP loans would prove this case.
Consumer complaint received 2021-09-30
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: EQUIFAX, INC. (NC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (NV)

I applied for assistance in saving my home. My servier Fay approved me however the offer they made was about {$500.00} more than my old mortgage payment. I hired an attorney to help me with the process and they submitted an appeal to my approval by mail to the address given on the approval letter. Upon following up with Fay Servicing they now state they did not get the appeal in the 30 day period. They also said it was mailed to the wrong address. My attorney has record it was mailed to the correct address. Also, it 's impossible to have mailed it to the wrong address as all the addresses on the approval letter are the same : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX - attn : appeals. It appears that it is more possible that Fay just sat on my appeal letter until after the appeal period had expired. The appeal was sent in writing and post marked before the deadline. It was received within the appeal period. Fay only accepts appeals by mail to avoid/evade having to review an appeal. I do n't believe their claim it was not received in the time period. I also do n't believe even if it had been a day or two late, that is n't a reason to just deny someone without looking at the situation. Fay Servicing investor bought this loan from XXXX. Their servicing contract according to my attorney came with strings that they could n't just take the home from the home owner without first trying to work something out. Fay is n't following that agreement. They offer a payment that is almost 50 % higher than my old payment, evade my appeal and now are now trying to foreclose my house.
Consumer complaint received 2022-08-03
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: LEXISNEXIS (MA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : Validate Account XXXX Please remove this bankruptcy from my public record Validate Account XXXX Please remove this bankruptcy from my public record Validate Account XXXX Please remove this bankruptcy from my public record