davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Despite several fraud warning on my accounts with Bank of America, someone has managed to get access to my bank accounts and withdrew some money from them. I have made request for extra precaution be taken while handling my account, but this was not done. After I closed my account, the perpetrator managed to pass bank of america security screen. the Bank had promised me to call me each time an online or over the phone transaction was taking place. This request although agreed upon by Bank of America was not followed which has led to the lost of my funds, and credit potential, putting my business at risk. The Fraudulent person had information about the account, that I that opened it, never even received. I have asked the bank for a written update on the investigation performed, so that I have an understanding of the information the perpetrator has, and up until today I do not have any information from Bank Of America as to how those transactions have occured, or what type of security questions where asked. 
To date, a fraud has my information, and I am not able to tell you what type of information the person has, yet, the bank has it and will not disclose. Ultimately this is a direct result of the bank failing to follow the directions clearly written in a high profile identity theft victim profile.
Consumer complaint received 2016-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (IL)

Per Navient, I am eligible for an Economic Hardship deferment. On XXXX/XXXX/16, I submitted my EH deferment application, and my confirmation told me that I had 30 days to submit proof of income. On XXXX/XXXX/16, I faxed proof of income ( bank statement ) to Navient. On XXXX/XXXX/16, my EH deferment was denied because of no proof of income, mind you, I had faxed it ( I have fax confirmation of this ). On XXXX/XXXX/16, I received an email from Navient saying that my EH deferment could n't be processed because I was " missing information. '' On XXXX/XXXX/16, I uploaded on Navient 's website the following : the XXXX/XXXX/16 email response with the required and necessary supporting documentation ( I highlighted what was required and what I included which is EVERYTHING Navient asked to be included ), the same EH deferment application, and proof of income ( bank statement ). I had n't heard back from them. On XXXX/XXXX/16, I uploaded my EH deferment application again with all supporting documentation. I had n't heard back from Navient. On XXXX/XXXX/16, I faxed the EH deferment application with supporting documentation. As of XXXX/XXXX/16, I have n't heard from Navient, and my EH deferment application has n't been processed. Mind you, Navient has sent me a " 1st delinquency letter. '' I do n't know what the issue is with Navient, but I searched online for Navient reviews, and they are not positive by no means. I would hope this is n't the case, but it seems like Navient is trying to get borrowers ' loan into delinquency or default so it can demand more money/full payment. Navient also seems to operate more like a collection agency than a student loan service provider, and if so, it is questionable why Navient is handling student loans. It might be time for an investigation into Navient 's practices.
Consumer complaint received 2015-05-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have contacted them to remove multiple accounts from my credit report and they have not yet. It has been over the time limit and they still refuse to remove them. There are accounts on my report that are from XXXX, and the dates on some of them say the last payments were made in XXXX and that is not correct. I only used these cards for a year at the most which would make them closed in XXXX. And that would mean they are 11-12 years old. And I do not know why they changed the dates to XXXX, maybe to keep them on my report longer, but that still would make it 8-9 years on my report even if it was from XXXX. 
The accounts are XXXX XXXX XXXX credit card accounts, XXXX household bank credit card accounts, an express account, an old XXXX account ( not the new XXXX ). And XXXX or XXXX other ones. I think the total is XXXX accounts that are supposed to not be on there and I 've asked numerous times for them to remove them without any luck. 
Please can you assist me in having them remove this from my report? 
Thanks XXXX
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (FL)

Posted a XXXX XXXX XXXX XXXX for sale ( XXXX and XXXX XXXX XXXX ). This person text if it was available. Responded Yes. He agreed to purchase and sent through XXXX certified mail tracking # XXXX a Citibank Certified check XXXX XXXX XXXX for {$150000.00} in which {$140000.00} was for the sale of the motorhome. I was to wire transfer {$6700.00} to XXXX XXXX XXXX ( Citibank XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX routing XXXX account XXXX ) for shipping the RV to XXXX State. I was also to keep {$200.00} for my trouble of arranging the shipment. This wire transfer did not go through and was recalled back to my XXXX XXXX  account. After contacting XXXX XXXX  and Citibank I was informed the account was not able to accept a wire transfer. They sent another account ( Citibank same address and routing number account number XXXX ) Another ( Citibank same address and routing number account number XXXX beneficiary XXXX XXXX ) This money was processed and stolen. I asked XXXX to recall the wire and they responded the account had insufficient funds. XXXX bank cleared the {$150000.00} cashiers check listed above into our checking account after 24 hours, and we wire transfer the amount plus {$20000.00} to XXXX XXXX XXXX to pay off the motorhome loan. We found out XXXX that the check was fraudulent because our XXXX bank account was locked. We were in contact with all 3 banks ( Citibank, XXXX XXXX, XXXX XXXX XXXX ) to advise of the fraud. The outcome ( Citibank has not responded, XXXX bank is sending this 30 year " in good standing '' customer to a collection agency if we do not pay back the {$150000.00} by XXXX. XXXX XXXX XXXX has cleared the title and closed the loan ). The scammer actually sent another Citibank cashiers check that we did not cash. XXXX certified mail tracking number XXXX. Citibank check XXXX XXXX with XXXX different check # XXXX and XXXX ( same as the first check so he forgot to change it when he made out the second check ). I have opened XXXX, XXXX XXXX, Citibank, and local XXXX XXXX XXXX reports in regard to this matter. I am in possession of the XXXX mail envelope and recent Citibank check that I have placed in a zip lock bag. Appreciate the time and hope to help other people stay clear of these heartless people. Thank you.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I NEGOTIATED WITH THE COMPANY XXXX XXXX TO DISMANTLE THE CAR IN EXCHANGE FOR NOT DAMAGE MY REPORT AND THEY DID NOT AGREE AND THEN They took my car in XXXX  because I couldn't continue paying due to the pandemic, I had already paid a total of XXXX XXXX dollars, now I am without credit without my XXXX XXXX dollars and without a car. It's not fair that they have the money in the car and still have damage to my credit. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX ... 
HAS VIOLATED MY RIHT. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE RIGHT TO PRIVACY.
Consumer complaint received 2015-11-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (GA)

Got a private loan for School ( XXXX University ) after graduation could not find a job. Upon finding a job as a XXXX, still did not make enough to pay for the private loan. After XXXX for 3 years on and off, was unemployed again. Have contacted private loan company to lower payments, since I currently have a full time job, but they stated that they have done all they can and can not lower payment. Mother co-signed but since Dad can not work his original job and had to take a lower paying job, she is having problems trying to help me pay as well. Dad went from a {$XXXX} an hour job, to a {$XXXX}. Mom has now had to take her funds to help keep the household running. What options are available to assist with getting this private loan amount reduced? The interest rate from the years I could not pay have made the loan go from {$45000.00} to {$80000.00}. I try to pay what I can, I can not pay {$750.00} a month.
Consumer complaint received 2016-03-15
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc. (FL)

They are calling and harassing myself as well as family members saying I committed check fraud on a payday loan. I have never taken a payday loan on line.Threatened me with arrest and then claimed that they will see me in court. The call comes from an unknown number. Messages left to call this company ARA XXXX XXXX XXXX. They spoke with my brother a woman named XXXX XXXX saying I committed check fraud. That is also the name left on my voice mail and my daughters stating I committed check fraud. I called the rep no name given refused to send proof said I would see it in court. Then transferred to legal dept supposedly but he answers as the office manager. Spoke with XXXX XXXX who called me a thief told me maybe I should close my mouth. Tried to get me to confirm my social and checking. Gave past personal information address and checking account number as well as an email address none of these in use for several years and tried to threaten my family with legal action.
Consumer complaint received 2015-05-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Altisource Portfolio Solutions, S.à r.l. (OR)

I am in a short sale. XXXX is the XXXX, and XXXX is the XXXX, being serviced by NCI ( Nationwide Credit ). XXXX is allowing a payout of 10 % of the purchase price to the XXXX, and not only is NCI demanding 20 %, they are saying that the value as determined by XXXX is too low and they are trying to make my agent COUNTER the XXXX back to RAISE the offer price. Why are they doing this? My agent is stuck and now tells me I will go to foreclosure because the XXXX wo n't follow any of the standards of practice with short sales. The payoff to the XXXX has NOTHING to do with the value of the property, and my agent has escalated this directly to XXXX and asked that they oversee what 's going on at NCI. They say they can not.
Consumer complaint received 2015-11-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: D2 Management LLC (TX)

I received a call from a lady I asked where shw was calling from she said D2 management. I am calling about a return check from XXXX XXXX. I advised her that debt was more than 10 yrs old I know that they are one of those comapnies that go thru old debt that has expired and try to collect. I advised her to remove my number and not to call again. She stated you know you owe it we are not going to stop calling. I advised her my husband just passed away this morning do not call here again. She states it does not matter we are going to keep calling I advised her I was going to report her and the company. She called from XXXX between XXXX XXXX/XXXX/2015. I called the number back .My husband just passed away this morning we called XXXX they rushed him to the hospital than pronounced him dead.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I was reviewing my credit report and noticed inquiries that do not belong to me. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2016-03-29
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (ME)

Last year, I had some water damage occur to my home, so I filed a homeowner 's insurance claim with XXXX XXXX. XXXX XXXX sent me a check for the funds needed for the repairs and the check was made out to me as well as my mortgage company, Carrington Mortgage Services, since the check was well over {$10000.00}. Carrington released some of the funds last summer, but they are still holding nearly {$5000.00} that they are not releasing to me. I have been trying to get them to release these funds to me for nearly 2 months so that I can pay off my contractor, yet they keep giving me a run around about having an inspector contact me, which has NEVER happened. I finally got fed up today and e-mailed the CEO of Carrington Mortgage Service, XXXX XXXX, and explained the situation and demand that my money that they are holding hostage be released immediately. About an hour later, I got a reply from XXXX XXXX, which I am 100 % sure was not intended for me as it was addressed to someone named XXXX. This is what the email said : " XXXX - This XXXX has been pestering us for at least a year that I can remember, I ca n't even sort out all of the details of what she is referring to any longer. Let 's do XXXX things here - solve whatever the current issue is asap and then get XXXX to offer her a streamline refi at what ever rate will incent her to refinance quickly, then sell the loan on a released basis into the market so that we are no longer dealing with her. Please let me know your thoughts. 

XXXX '' First of all, he called me an XXXX!!! Secondly, I have NO idea what he means by I have been " pestering '' him for a year as this is the very first time I contacted him. Thirdly, what he is trying to do to me is illegal. I have also filed a complaint at the state level ( Maine ). Also, below where it asks " which part of the mortgage process is your issue related to? ", this situation does not apply to any of the available options, so I just checked the option for " receiving a credit offer '' since I had no idea which XXXX to select since none of them apply to this situation.
Consumer complaint received 2016-03-30
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I was sold a car under false pretences on XXXX/XXXX/16, the day I took the vehicle off the lot I noticed it was not what had been promised. I took the vehicle to the manufacturer that informed me the car appeared to be in an accident and any repairs that would be covered under warranty became null and void. I called the dealer and told them I no longer felt comfortable with the vehicle and was going to return it. I called on XXXX/XXXX/16 to put a stop payment with the financial institution and was told it would take 2 days to process. I have called continually for the past several days as to the status of the stop payment for a car that was returned on XXXX/XXXX/16. Yesterday XXXX I was informed that the payment had been cashed.
Consumer complaint received 2015-07-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

On XXXX XXXX, Chrysler Capital, also doing business as Santander Consumer USA, a subprime lender for auto loans, financed {$26000.00} for a vehicle I purchased. The contract is for 72 months with a 22 % APR and {$670.00} a month loan payment. An APR of 22 % incurs a daily rate of about {$15.00} which means I 'm paying {$470.00} in interest and {$200.00} to the principal balance every month. The more the loan balance is paid down, the amount of interest incurred and/or owed lessens. My goal is to make extra payments or XXXX pay the required loan payment, which would quickly lessen the balance owed to the lender and the amount of interest incurred for the entire life of the loan. Also, refinancing the loan was the next step after about six months of payments. Chrysler Capital does not provide their loan customers with any receipt or confirmation of payment nor is there any notification by email of payment posting to the loan account. Chrysler Capital only provides their loan customers with monthly account and billing statements .And because of this odd, shady practice of Chrysler Capital , I frequent my online user account to see up to date activity, which is not included in monthly statements, to make sure that errors, like the matter at hand, do n't occur. A little while after becoming a loan customer of Chrysler Capital, I went online to get some background on them and discovered many unfavorable reviews and stories of suspected illegal and shady practices by current and past customers, which put me on the alert with my account with them. And the matter at hand regarding Chrysler Capital is a loan payment error on their part and not my own. Earlier this month of XXXX 2015, I made XXXX separate payments to Chrysler Capital for my loan in the amounts of {$280.00} and {$300.00} on their website powered by XXXX XXXX XXXX with a {$2.00} service fee per payment required. On XXXX XXXX,2015, when logging into the online user account, I could see that the XXXX payments had posted and were applied appropriately to the principal balance since all of the compounded daily interest incurred had been paid with previous payments. On Saturday afternoon, XXXX XXXX, 2015, for some odd reason, I logged in to the online user account and saw that both of the payments had been removed as a credit to the principal balance reducing or lessening the total amount owed by {$580.00} and applied as a negative, adding on to the total amount owed {$580.00}, increasing the balance. I contacted Chrysler Capital XXXX different times to correct the error and spoke with an agent and was put on hold for over XXXX minutes and the call would disconnect.
Consumer complaint received 2015-11-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Atlantic Credit & Finance, Inc. (NY)

On or about XXXX of 2015, I started to receive request for payments to which I disputed based upon claims of stolen ID THEFT.However, XXXX XXXX XXXX ATLANTIC CRED continued attempt to collect a debt that I do not owe. I personally contacted ATLANTIC CRED and disputed the validity of the debt. I personally requested that ATLANTIC CRED to perfect security interest and VALIDATE the DEBT by providing me with " Certified BILATERAL CONTRACT " obligating me to this debt with the " ORIGINAL CREDITOR '' NAME ; ADDRESS and unpaid invoices under FDCA. To this date, ATLANTIC CRED has failed to be in compliance of FDCA, thus, unilaterally without just cause continued to violate my civil rights causing and preventing me from securing good paying job, adequate housing and/or obtaining new credits.
Consumer complaint received 2016-01-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My Trans-Union Credit Report was showing wrong credit information in my XXXX XXXX XXXX Credit Card. I disputed it and Trans-union has removed XXXX XXXX XXXX account from credit report. 
I raised a complain in CFPB OMB # XXXX. I get response from Trans-Union that my Financing Agency ( XXXX XXXX XXXX ) need to re-report the credit. 
I had meet XXXX XXXX XXXX multiple times. I have reported my Credit. All other Credit Bureau are reporting correct Credit expect Tans-Union. 
I am raising a new complain because in-spite of my previous complain OMB # XXXX, the problem was not fixed.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

I reviewed my Experian consumer report and found a fraudulent XXXX US Bankruptcy XXXX XXXXXXXX XXXX record. Its is the responsibility of the credit reporting agency to maintain accurate information related for a consumer. Here this is not a true account of the consumers standing. Please remove this record in compliance with FCRA.
Consumer complaint received 2024-09-02
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. (NY)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.