davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-25
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I was released from my teniored job last year and informed Navy Federal. I continued to make payments throughout this year as I could. I was then referred to a special collections department who allowed me to make small payments to show effort until my full time job started at the end of XXXX. My collections specialist XXXX XXXX was in an accident and a schedule check payment was unable to be stopped but was rectified by an ACH transfer later that week before the returned check. On XXXX XXXX our account was placed for repossession and picked up the same night. Tuesday we called into Navy Federal and they explained it was because of bounced payment checks after having our Collections Rep explain the accidental submittal we were directed to another department. That department is Fiance Management. An agent by the name of XXXX ( only XXXX she said in department ) took an application for deferment through XXXX XXXX 2016. We accepted the terms and awaited the Repossession division of Navy Fed to send a release so we can pick up our car at XXXX XXXX XXXX. Two days have passed and they refuse phone calls or to provide documentation of said agreement. The repossession department has told the XXXX XXXX not to even speak to my fianc that I had relinquished rights to speak on my account on every occasion and that they are refusing to release the car even with the deferrement showing a zero balance due and only the repossession fees to be paid at the XXXX XXXX. It is my belief they are intentionally holding my vehicle to either remand custody or to rack up fees as punishment as they have continually reprimanded me as if I was their child and dehumanizing me with their lack of action. I rely on this car and have been very corporative through the whole process even before the repossession. No one at Navy Federal says they have authority to protect my consumer rights I just have to wait it out. This is inexcusable and has put my family in a downward spiral.
Consumer complaint received 2016-08-27
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (IL)

I got, mistakenly got a credit card from Walmart. I thought that was good. I went to the Walmart store on XXXX XXXX, here in XXXX, and bought a {$100.00} dollars worth of groceries. I have had trouble paying on the bill. To cut it short, on that amount of groceries ; my latest bill in XXXX is {$210.00}. That much for only {$100.00} of food. I feel I am being scammed, and that card was a mistake. I have talked to them. They refused to back down. Can you help me?
Consumer complaint received 2016-08-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

This is another complaint against Midland as I received NO validation in XXXX as stated in the first complaint Subject : Your submission, [ Case number : XXXX ] I would like validation initial signed contract, list of charges, payments made etc on this debt which I have not received.
Consumer complaint received 2016-08-25
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (TX)

I signed up and was approved for an Amex Platinum card with a XXXX sign up bonus through a link from The Points Guy ( An Amex affiliate ). I met the minimum spend, and received the points. Over a month after earning them, the points have been reversed off my account without an explanation as to why, or a resolution. I have called several times.
Consumer complaint received 2016-08-27
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO. (CT)

This is my second instance for the purchase interest being charged in the same card ( Chase Sapphire Preferred ). I have previously submitted a complaint regarding this and that was resolved and i was promised that there wont be any interest on the 0 % balance transfer till i do n't make any additional charges on my card. 

My XXXX statement did n't have any interest charges but i check my XXXX statement and they put a {$14.00} interest purchase. I have made no purchases on my credit card during my biling cycle. I tired of calling Chase again and again over the same issue. So I am directly reaching out to you. I want that charge to be removed and also waive {$95.00} annual fee for causing this mental harassment for ( Its only fair since they charge customer hidden fees-Tthankfully i check my statement regularly ) .I am sure there are other customers who dont even notice the corrupt practices my banks. 

Also charged interest on another card ( XXXX XXXX ) when they will charged me the annual fee even though it was a i pay it back the next day. Its not my mistake that the annual fee was charged. That charge in unavoidable to they should n't be charging an interest on that. This happened because they put an annual fee and not because i made a purchase. This practice is to mint money and interest out of customers even though regularly pay their minimum due on 0 % apr offers
Consumer complaint received 2022-07-17
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. (PA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2016-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

Hello I was given a loan estimate with closing costs of {$7000.00} dollars. This included {$2300.00} in loan costs + {$4700.00} in other costs. Completed some paper work and then provided {$500.00} dollars of good faith funds. A couple hours later that night I get a email message saying the loan estimate has been revised. Looking at it the closing costs went up to {$10000.00}. Now included {$5800.00} in loan costs + {$4300.00} in other costs. Basically they added 1.5 % of loan points at a cost of {$3700.00} dollars. The fist estimate only had XXXX of loan points at a price of {$310.00}. Can they legally do that approach of a bait and switch on my loan estimate? I called the loan manager and he said it was a system error and would be corrected but I have yet seen the updated original loan estimate. Now they want to keep my {$500.00} dollar good faith payment. The mortgage banker got an attitude when I called him and asked what happened. He said he was going to cancel my loan and keep my {$500.00}
Consumer complaint received 2016-08-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SLM CORPORATION (AZ)

At Sallie Mae, they offer 3 month forbearance periods for struggling loan receivers that ca n't afford to pay back the debt. On XXXX XXXX, I called Sallie Mae to ask for a forbearance because i couldnt make the payments. My account was up to date, no past due payments. My payments are due on the XXXX of each month. So through out XXXX im still being harassed by sallie mae every day, waiting for the forbearance to be processed. This is a normal occurrence by the way, at least 8-10 calls a day. Its harassment and it should be illegal to bother my family and I so much. So after a few phone calls, i find out that the forbearance wasnt input correctly. So they had to restart the process again. So after that was over, i thought that this was taken care of. What I found out today is that the person I talked to in XXXX put in a 1 month forbearance. Which I did not ask or pay for. I paid XXXX dollars to have my loan in forbearance for 3 months. Now, im recieving harassing calls again from early in the morning to late at night. The times are outrageous. Sometimes as early as XXXX and as late as XXXX So now, they wont even transfer me to customer service because my account is overdue? It wouldnt be over due if they didnt input everything properly in the first place. This whole ordeal is so frustrating. No one can do anything for me at the office anymore.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

XXXX ) XXXX  XXXX Account XXXX is : # XXXX XXXX ) dXXXX XXXX XXXX Account number is : # XXXX XXXX ) XXXX XXXX  : Account Number is # XXXX XXXX ) XXXX Account number is # XXXX XXXX XXXX XXXX XXXX XXXX Account number is # XXXX XXXX XXXX XXXX XXXX Account number is # XXXX XXXX ) XXXX Account number is # XXXX XXXX XXXX XXXX XXXX Account number is # XXXX XXXX XXXX XXXX XXXX number is # XXXX XXXX XXXX XXXX XXXX  Account number XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account number is # XXXX XXXX ) XXXX XXXX  Account Number is # XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXX ) XXXX XXXX XXXX Account number XXXX : XXXX XXXX ) XXXX XXXX  XXXX Account number XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX : XXXX XXXX ) XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number is : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number is : XXXX XXXX ) XXXX  Account number is : XXXX XXXX ) XXXX  Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion has on their my credit report that I have a job stating RETIREMENT/ALIMONY/SSI AS NEW EMPLOYMENT AND i DO NOT WORK I RETIRED IN 2005 AND RECEIVE RETIREMENT PENSION AND SOCIAL SECURITY. THEY REFUSE TO TAKE THIS OFF OF MY CREDIT REPORT AND I WANT TO KNOW WHERE DID THEY GET THIS FRAUDULENT INFORMATION. IT NEEDS TO COME OFF OF MY CREDIT REPORT, I DO NOT HAVE NEW JOB. WHAT DO I DO TO REMOVE THIS?
Consumer complaint received 2016-08-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Linebarger Goggan Blair & Sampson LLP (CO)

To whom it may concern : This letter is being sent to you in response to the above reference account that LINEBARGER GOGGAN BLAIR & SAMPSON , LLP, has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for- HAS NOT BEEN PROVIDED. 
Explain and show me how you calculated what you say I owe- HAS NOT BEEN PROVIDED. 
Provide me with copies of any documents that show I agreed to pay what you say I owe- HAS NOT BEEN PROVIDED. 
Identify the original creditor- HAS NOT BEEN PROVIDED Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED. 
Show me that you are licensed to collect in my state- HAS NOT BEEN PROVIDED. 
Provide me with your license numbers and Registered Agent- HAS NOT BEEN PROVIDED. 
At this time I will also inform you that if your offices have reported Invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against LINEBARGER GOGGAN BLAIR & SAMPSON , LLP, for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
Consumer complaint received 2016-08-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Integrated Recovery Services (OH)

This company has called me numerous times for someone that I do n't have contact with. I 've asked them repeatly to erase my phone number from the files & they have yet to do so. I 've left messages saying that I was n't the debtor & ive called the company & was harrassed and hung up on. Please make them stop calling my phone during work hours!!
Consumer complaint received 2016-08-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Central Holdings, LLC (GA)

This company sent me a check in the mail, I never squired about the loan or applied for it. I cashed the check and I contacted the company ( XXXX in XXXX XXXX ) I answered their questions and the first payment was due XX/XX/XXXX2016 and it is XXXX XXXX, 2016. I plan to pay them on pay day XX/XX/XXXX and these people have sent some big bald headed guy in a personal unmarked car to my house every single day for the past 2 weeks, even on Saturday! I am so uncomfortable and I feel they 've trampled on my personal home life by showing up at all times of the day and weekend. Touching my car to see if the engine is hot and looking into my windows and knocking on all my doors. I am a single mom and I am not okay with this! I have every intention of paying them. What makes me more upset is the loan was sent to me, I never once called an applied for a loan in any way shape or form and the XXXX page attached to the check did n't say anything about their communication tactics. It 's really awkward!
Consumer complaint received 2016-08-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MO)

Husband was taken to ER and seen by ER doctor before being admitted to the hospital. All claims pertaining to this admission have been paid correctly with the exception of the ER doctor. I believe the original claim was not filed correctly and the hospital was paid instead of the doctor. I have an EOB showing that the amount they claim due was paid to the hospital by our secondary insurance carrier less than one month after the claim was filed. I have been told on more than XXXX occasion that because my husband is the subject of the claim, but not a party to it, the information they can give me is limited. I have made XXXX XXXX XXXX XXXX phone calls to various entities and sent XXXX letter with copies of all pertinent information at my disposal in an effort to clear up this matter. It is my belief that the original claim as filed by the hospital was not done correctly and therefore the funds were paid to them instead of the ER doctor. Much to my dismay I have not been able to get them ( at least they have never told me they had XXXX to go back to the original filing by the hospital to determine if indeed this is actually the problem. If I am correct in this regard, then the hospital owes the ER doctor the balance, not us. I did check with Medicare and was told that they must submit all claims to the secondary insurer as shown on the paperwork submitted to them. When I spoke with the secondary insurer they did assure me that the claim had been paid in full but could not give me the check number ( again because my husband was not a party to the claim, just the subject ). They stated that they would be happy to correct any errors, if any, but the complainant must contact them by phone ( anything written would end up in the infamous " round file '' ). The complainant responded to me after I delivered this message that they could not contact the insurer by phone which seemed absolutely ludicrous to me. Any assistance you can give us in resolving this issue will be greatly appreciated. 
The ER doctor 's organization was advised in XXXX 2016 that any further contact by them or effort to collect this debt would be considered harrassment.
Consumer complaint received 2016-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My husband and I were denied a loan from Bank of America because we could not provide a " guarantee '' of future employment of three years. We XXXX provided letters stating high probability of employment, which is all that was required initially, from our supervisors and HR. The letters and our loan was later denied because it was not a " guarantee ''. My husband and I both hold XXXX degrees XXXX and have XXXX. We are in good financial standing. According to others at Bank of America, the verbiage of the requirement should not demand a 'guarantee ', rather a high likelihood. 
In addition to this, our loan officer and her supervisor at Bank of America have maintained poor communication with us throughout the entire process. It became evident to me very early on that our loan officer did not actually read our emails, and thus never answered direct questions asked of her, even when called out. I contacted her supervisor over this who returned my initial phone call to him said he would look in to the matter and would call me back. He called me back three days later, having forgotten he had already returned my phone call. He did not remember our conversation, listened again, and then said he would discuss the situation with the loan officer and call me back. He never did. I left another unanswered message for him since then. Throughout the process his emails to me have not been in complete sentences and when I have spoken with him on the phone I am either on speaker phone or he is driving. Complete lack of professionalism. I have since contacted HIS superior who also does not return phone calls. 

I have paid fees to Bank of America totaling {$470.00} which I would like refunded. Their service to me is incomplete, and the reasons for their denial of my loan application are absurd. The customer service is far from adequate and the communication with and among them is appalling.
Consumer complaint received 2016-08-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Rausch Sturm LLP (TX)

Debt collectors have n't called outside of proper hours, however I am having an issue with debt collection companies not providing me with a receipt for my monthly payments. I 've spoken with multiple representatives and supervisors who always claim they 're going to resend it but they never do. A common practice for these companies is to only allow you to speak with XXXX person who is authorized to handle your account. The issue with this is very rarely is that specific person available to take my call and when I leave a voice message my calls are never returned. It is ridiculous that I have to make demands for something as simple as a payment receipt. These companies need to improve their customer service now!
Consumer complaint received 2016-08-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I submitted a complaint to the consumer finance protection bureau on XXXX/XXXX/16 ( complaint number XXXX ). The complaint was regarding airline miles for a checking account sign up bonus through Citi. Citi responded to the complaint on XXXX/XXXX/16. In response to the complaint, Citi agreed to honor the XXXX XXXX XXXX miles that I had been told by their representative I was entitled to. In their response, they indicated I would receive the miles within 60 days. 

It has now been over 60 days, and I still have not received the miles. This was the third time Citi agreed to provide these miles ( initial sign up, as indicated by a representative, and indicated through their complaint response ). It has been over half a year since I was originally supposed to receive the miles. 

Citi did not hold up their agreed upon response to my original complain, so I am opening yet another complaint.
Consumer complaint received 2016-08-29
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: BARCLAYS BANK DELAWARE (MA)

Barclay Cards is not posting payments made by XXXX XXXX XXXX XXXX and the correct interest rate of 5.9 % and need to adjust the payments of {$98.00} on XX/XX/XXXX {$74.00} on XX/XX/XXXX and {$140.00} on XX/XX/XXXX
Consumer complaint received 2016-08-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CA)

PHH has sent us a fraudulent statement regarding our mortgage. They have refused our payments after they received our last trial payment of our loan modification XXXX XXXX XXXX 2016. They also sent us an intimidating and fraudulent Delinquency Notice. We are being harassed by this company.with these threatening notices being sent to us.
Consumer complaint received 2016-08-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (TX)

Citi is contacting me daily ( sometimes multiple times per day ) in an attempt to collect a debt that has been paid. I sent payment in XXXX and they have cashed the check. I have sent them a copy of the check yet they still call me every day.