davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (VA)

We went to closing on XX/XX/XXXX paying off both Navy Federal Credit Union and NFCU attorney/ collection agency XXXX , XXXX , XXXX XXXX XXXX , XXXX . and XXXX XXXX XXXX. NFCU did not give us an payoff from NFCU itself instead NFCU had their attorney/collection agency XXXX , XXXX , XXXX XXXX XXXX , XXXX . send the payoff that was confirmed XX/XX/XXXX by XXXX XXXX was the wrong payoff. After our complaint to your office NFCU and their attorney/collection agency XXXX , XXXX , XXXX XXXX XXXX , XXXX . refused to send the correct payoff and was trying to destroy closing once again with their unethical and unlawful actions so we were advised to payoff full amount under protest. emails will confirm Enclosed are the emails from settlement company making full confirmation both NFCU and Beneficial were paid in full the amounts as Navy Federal Credit Union and NFCU attorney/ collection agency XXXX , XXXX , XXXX XXXX XXXX , XXXXXXXX . and XXXX XXXX XXXX required in their payoff notices/documentation to settlement company. 

We are still receiving harassing calls from NFCU and XXXX XXXX XXXX. NFCU informed us that they have the right to call because NFCU have not received payoff. 

Enclosed are emails XX/XX/XXXX from NFCU attorney/ collection agency XXXX , XXXX , XXXX XXXX XXXX , XXXX . stating on XX/XX/XXXX. Please see emails XX/XX/XXXX of settlement company confirming both wired payoffs for both XXXX XXXX XXXX. 

Both NFCU and XXXX XXXX XXXX are destroying our credit and is refusing to report to all the credit bureaus that both mortgage loans are paid off in full. We want Both XXXX XXXX XXXX to report both loans as payoffs in full and remove all damaging information destroying our credit reports.
Consumer complaint received 2019-05-20
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: ZIONS BANCORPORATION (PA)

After being in repayment for a few years on my Federal Direct Student loans that totaled about XXXX, I was sent information from XXXX XXXX XXXX XXXX XXXX XXXX Sales XXXX Processing about consolidating my loans for a better interest rate. I had no idea that by consolidating my loans that I was going to be transferring my loans from Federal Direct government loans to a private loan. This was never indicated to me. I was told that my loans would stay with my servicer, XXXX XXXX and that I was being offered interest rate reductions for consolidating. My payments all stayed the same. This happened in XX/XX/XXXX. 
Then, in XX/XX/XXXX I applied for the Public Service Loan Forgiveness program. I was qualified for the program as far as I knew since I'm a XXXX   XXXX XXXX and was making payments on my student loans. The problem came about when I learned that my federal direct loans were actually converted to private loans with ZIONS FIRST NATIONAL BANK and I wasn't eligible. This news was devastating. I had no idea that by consolidating my loans I had been transferred to a private bank. I didn't even know that was possible! Neither XXXX XXXX or XXXX XXXX XXXX clearly state that this was the case. In fact, the estimate even stated 'Department of Education ' in the quote. Now, I'm getting closer to retirement and will be carrying student loan debt with me that should have been forgiven in the PSLF program.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

RE : you violated the us code law TILA 15 u.s.code 1666 ( B ) billing Recently I checked my credit report and noticed multiple billing errors under 15 u.s. code 1666 ( B ) ( 4 ) the creditor failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor ( 5 ) a computation error or similar error of an account nature of the creditor on a statement As I know the creditor didn't notify me 21 days before with a statement so there should be no late payment on this account.i demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error.
Consumer complaint received 2019-05-20
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (GA)

I paid XXXX medical bill to American medical collection onXX/XX/2019 well after paying the bill I started monitoring my credit and it still show unpaid so I called AMC to inquire and ask why they had not reported it paid the lady was very rude refuse to let me speak with a supervisor to express my concerns she explained to me it may take up to 60 days before they report it paid now that don't seem right in the information age with a click of the keyboard to show paid Now they may be charging the company who holds the debt I am not sure but if I paid the debt it should be removed within a ample time 48 hr at the most its only take them 2 hr to generate a file for collection as a consumer I think someone should consider a legal approach by not removing something paid you are affecting my credit score which have an affect on my purchasing power to get the best rate or may not be approved at all now that seems like double jeopardy especially when it is a bill you didn't know about I have reach out to my congressman and other elected offical
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

XXXX AND WELLS FARGO DEALER SERVICES ARE WRONGFULLY PUTTING FORTH INFORMATION THAT APPEARS HONEST AND CORRECT ON ITS FACE YET, WHEN THE RESULTS OF INVESTIGATION AND FACTS IN THE COMMON PURVIEW ARE REVEALED ... XXXX  AND WELLS FARGO MAY HAVE A LEGAL PROBLEM WITH THEIR ATTITUDE AND INSISTENCE ON A LACK OF FORBEARANCE TO STATE SOFTLY AND MAY BE CONTRARY TO DODD FRANK CHECK CLEARING LAWS, THE FCRA AND THE FDCPA.HERE AND BELOW I STATE MY SIMPLE CASE THAT I WOULD BE HAPPY TO BE HEARD BY A SMALL CLAIMS MAGISTRATE AND THE XXXX SUPERIOR COURT WHICH XXXX  AND OR WELLS FARGO WOULD LIKELY APPEAL TO ... ... ..SHOULD I DECIDE TO SPEND {$60.00} TO TAKE THIS CFPB CASE TO COURT. 
WELLS FARGO DEALER SVCS. ACCOUNT NO XXXX .... HAS DESTROYED MY CREDIT FOR 5 YEARS BECAUSE WELLS FARGO CLAIMS THEY WERE NOT PAID {$250.00} THE FINAL PARTIAL PAYMENT ON A CAR LOAN ... WELLS FARGO 'S PRESIDENT 'S OFFICE HAS RESPONDED TO EARLIER CFPB COMPLAINT STATING THAT MY FINAL CHECK BOUNCED AND THAT THAT CHECK TOOK 47 DAYS TO BOUNCE OR BE CLAWED BACK BUT THAT WF HAD A BAD CHECK FROM ME DETERMINED 47 DAYS AFTER RECEIPT FROM ME. 
THIS CAR LOAN WAS PART OF A GROUP OF LOANS UNDER AND STILL IS UNDER SCRUTINY OF THE CFPB AND THAT WF PAID XXXX XXXX AND THE PRINCIPAL OF FOREBEARANCE WAS USED TO REDUCE THAT XXXX XXXX DOLLAR FINE TO XXXX XXXX FROM XXXX XXXX DOLLARS ... 
THE LARGEST CFPB FINE IN HISTORY AGAINST A BANK FOR UNSAVORY BEHAVIOR BY THE CEO CFO AND IT HEADS .... WELLS FARGO.

HERE IS THE ISSUE ... DURING THIS YEARS LONG TIME WHERE WF WAS MISSING {$250.00} FROM ME THEY WERE ACTUALLY IN POSSESSION OF IT BECAUSE THE CFPB DETERMINED THAT WELLS STOLE THAT MUCH FROM ME IN MY AUTO LOAN GIVING INSURANCE REQUIREMENTS THAT WERE ILLEGAL. 
SINCE THE CFPB DETERMINATION, LONG AFTER THE 5 YEARS OF DESTRUCTIVE CREDIT REPORTING BEGAN UN-CEASELESSLY I RECEIVED A CHECK FOR AN AMOUNT SIMILAR TO THE XXXX DOLLARS BECAUSE WELLS WAS FORCED BY THE CFPB TO RETURN AT LEAST A PORTION OF THE MONEY WELLS STOLE FROM ME BACK TO ME ....

SO WHILE WELLS WAS CLAIMED XXXX DOLLARS OWED TO THEM, THEY ACTUALLY POSSESSED STOLEN FUNDS THAT THEY CRAFTILY STOLE FROM ME IN MONTHLY PAYMENTS THAT EXCEEDED THE XXXX DOLLARS THEY WANTED BACK BECAUSE MY CHECK TOOK 47 DAYS TO BOUNCE. 

WHAT DO YOU SAY ... SHOULD WELLS AND XXXX GO TO SMALL CLAIMS AND SUPERIOR COURT WITH ME OR MAKE A BUSINESS DECISION AND DELETE THIS ACCOUNT?
Consumer complaint received 2019-05-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

THE concern- I opted in to receive alerts to potential risks to my credit score. 
Then I started received alarming emails that my credit cards and personal information are at risk plus did I know that the deep web is extremely capable of instantly wiping me out, its virtually impossible to find them and get my money back, regain my credit ... BUT, EXPERIAN will come to my rescue for a FEE & MEMBERSHIP of $ $ $ . 
Isnt this a CONFLICT OF INTEREST? 
This is one of THE BIG THREE that is capable of reporting and affecting the publics ability to get a job, car, house! 

I have also contacted the Florida State Attorneys Office regarding my concern Experian was able to market themselves, use scare tactics, exploit seniors AND be one of the top three credit reporting companies? But guess I didnt make myself clear? I received a form letter to fill-out to correct any false information Experian may be reporting. 
Please advise. 
Thank you-
Consumer complaint received 2019-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CO)

On XX/XX/2019, I made a mobile deposit into of XXXX into my bank account from my employer, who uses adp for all payroll activity. Citi bank then froze my account because they couldnt verify the authenticity of the check I called them on Monday, XX/XX/2019 to have them unfreeze my account and they said they couldnt until the check, from one of the biggest payroll companies in the nation, had aged for six days.  During this time money that I had made as an independent contractor for XXXX had deposited in to the account, an amount of {$200.00}, and I didnt have access to that money because my account was frozen. I called again on Thursday, XX/XX/2019, and they were finally willing to unfreeze my account, but I still do not have access to the deposited check for XXXX, and they informed me I wouldnt be able to access that money until Monday the XX/XX/XXXX, more than a week after I made the original deposit. The bank will have received the funds 5 days after a deposit is made and the bank is not giving me access to the deposit until twice that many days has passed.
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

EXPERIAN AND XXXX XXXX XXXX XXXX ARE WRONGFULLY PUTTING FORTH INFORMATION THAT APPEARS HONEST AND CORRECT ON ITS FACE YET, WHEN THE RESULTS OF INVESTIGATION AND FACTS IN THE COMMON PURVIEW ARE REVEALED ... EXPERIAN AND XXXX XXXX XXXX HAVE A LEGAL PROBLEM WITH THEIR ATTITUDE AND INSISTENCE ON A LACK OF FORBEARANCE TO STATE SOFTLY AND MAY BE CONTRARY TO XXXX XXXX CHECK CLEARING LAWS, THE FCRA AND THE FDCPA.HERE AND BELOW I STATE MY SIMPLE CASE THAT I WOULD BE HAPPY TO BE HEARD BY A SMALL CLAIMS MAGISTRATE AND THE XXXX XXXX XXXX WHICH EXPERIAN AND OR XXXX XXXX WOULD LIKELY APPEAL TO ... ... ..SHOULD I DECIDE TO SPEND {$60.00} TO TAKE THIS CFPB CASE TO COURT. 
XXXX XXXX XXXX XXXX. ACCOUNT NO XXXX .... HAS DESTROYED MY CREDIT FOR 5 YEARS BECAUSE XXXX XXXX CLAIMS THEY WERE NOT PAID {$250.00} THE FINAL PARTIAL PAYMENT ON A CAR LOAN ... XXXX XXXX 'S PRESIDENT 'S OFFICE HAS RESPONDED TO EARLIER CFPB COMPLAINT STATING THAT MY FINAL CHECK BOUNCED AND THAT THAT CHECK TOOK 47 DAYS TO BOUNCE OR BE CLAWED BACK BUT THAT WF HAD A BAD CHECK FROM ME DETERMINED 47 DAYS AFTER RECEIPT FROM ME. 
THIS CAR LOAN WAS PART OF A GROUP OF LOANS UNDER AND STILL IS UNDER SCRUTINY OF THE CFPB AND THAT XXXX PAID XXXX XXXX AND THE PRINCIPAL OF FOREBEARANCE WAS USED TO REDUCE THAT XXXX XXXX DOLLAR FINE TO XXXX XXXX FROM XXXX XXXX DOLLARS ... 
THE LARGEST CFPB FINE IN HISTORY AGAINST A BANK FOR UNSAVORY BEHAVIOR BY THE CEO CFO AND IT HEADS .... XXXX XXXX. 
HERE IS THE ISSUE ... DURING THIS YEARS LONG TIME WHERE XXXX WAS MISSING {$250.00} FROM ME THEY WERE ACTUALLY IN POSSESSION OF IT BECAUSE THE CFPB DETERMINED THAT XXXX STOLE THAT MUCH FROM ME IN MY AUTO LOAN GIVING INSURANCE REQUIREMENTS THAT WERE ILLEGAL. 
SINCE THE CFPB DETERMINATION, LONG AFTER THE 5 YEARS OF DESTRUCTIVE CREDIT REPORTING BEGAN UN-CEASELESSLY I RECEIVED A CHECK FOR AN AMOUNT SIMILAR TO THE XXXX DOLLARS BECAUSE XXXX WAS FORCED BY THE CFPB TO RETURN AT LEAST A PORTION OF THE MONEY WELLS STOLE FROM ME BACK TO ME .... 
SO WHILE XXXX WAS CLAIMED XXXX DOLLARS OWED TO THEM, THEY ACTUALLY POSSESSED STOLEN FUNDS THAT THEY CRAFTILY STOLE FROM ME IN MONTHLY PAYMENTS THAT EXCEEDED THE XXXX DOLLARS THEY WANTED BACK BECAUSE MY CHECK TOOK 47 DAYS TO BOUNCE. 

WHAT DO YOU SAY ... SHOULD WELLS AND EXPERIAN GO TO SMALL CLAIMS AND SUPERIOR COURT WITH ME OR MAKE A BUSINESS DECISION AND DELETE THIS ACCOUNT?
Consumer complaint received 2019-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. ()

XXXX XXXX XXXX XXXX opened a store account and XXXX Credit Card is issued by Comenity Bank, for someone who incorrectly entered my email address. They did not at any time verify that this email address was correct. 

I am now receiving repeated emails about this account, including credit card statements and they provide no means of redress. The emails are all sent from do-not-reply email addresses and any means of getting support requires full log in. 

I contacted them via XXXX on XXXX XXXX, their response : " ... can you kindly provide additional details of the emails you are receiving? I.e. marketing emails, XXXX credit card emails, order confirmation emails? '' my reply : " Hello, all of the above. Can you send me an email address & I'll forward them to you. '' their response : " Hello XXXX, you can remove your email from our database by clicking unsubscribe at the bottom left corner of the email. '' my reply : " No I can't, because they are account emails. You let people set up accounts with other people 's email addresses. '' There should be a law against sending email 's with no possibility unsubscribe without first verifying that the email address is correct.
Consumer complaint received 2019-05-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MD)

Several phone calls were made to the collection agency as well my insurance company. On XX/XX/2014 the sum total of {$560.00} was billed to me after attending the ER. I have insurance coverage for that, but yet I was billed for the service.
Consumer complaint received 2019-05-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc. (TX)

I received a notification today that a collection was added to my credit report in the amount of {$1200.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!
Consumer complaint received 2019-08-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (NJ)

XXXX XXXX XXXX on behalf of American Express, is suing me for alleged credit card debt. All of my debt, including any credit cards, was consolidated and being paid under the terms and conditions of the consolidation company which makes American Expresses claim invalid.
Consumer complaint received 2019-05-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (AL)

I called them I think XX/XX/XXXX or XX/XX/XXXXsomewhere on them dates they said I had to call XXXX  and get the dates of the inquiries they said they couldn't do nothing about it they attempting to collect the wrong amount of money
Consumer complaint received 2019-05-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A. (VA)

On XX/XX/XXXX I called back XXXX XXXX  XXXX XXXX and spoke to XXXX XXXX, She asked me why I stopped paying a credit card in XX/XX/XXXX, I explained to her that I had lost my job, I agreed to set up payments for XXXX a month for 4 months, she asked me for my credit card number gave it to her and we hung up. About an hour later checked my account and they had took out XXXX, which I had told her I was on a fixed income and could not afford anymore than XXXX every two weeks. So I called back and she was at lunch and talked to her so called boss XXXX XXXX who proceeded to talk over me and I tell me that service charge was not his fault, and he said did she tell you would could take it out of your banking account for a XXXX charge instead and I said no she never gave me a choice. I said I will just resend my offer and stop the card and he said go ahead and you will get in a lot more trouble, He said that it was my problem I couldn't pay my bills, He kept talking over me and was very hateful, I did call him 2 cuss words, I hung up and called back and the next operator said that he hated to hear a women cry but, people like me just didn't understand and I said people like who, he said we don't have time to deal with this everyday on the phone. Well isn't that his job? I was very nice when I spoke to XXXX and agreed to pay the bill, but no one gave me a choice of how to pay it, No one told me there was a XXXX service charge. XXXX XXXX is a problem and needs to be reprimanded, but you know what no body cares?
Consumer complaint received 2019-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC. (GA)

I bought a new house in XXXX of XXXX. The servicer of my mortgage loan was/is XXXX XXXX XXXX, XXXX. Beginning with the first mortgage loan payment, I requested that my bank, SunTrust, send the payment directly to XXXX XXXX. According to SunTrust, the first two payments were mailed to XXXX XXXX as paper checks. All subsequent payments have been made electronically. 
In XXXX or XX/XX/XXXX, XXXX XXXX informed me that my loan was delinquent because I had missed the first two payments. This was a shock to me since SunTrust had mailed the payments directly to XXXX XXXX and debited my account accordingly. I contacted XXXX XXXX and, after conducting a thorough review, XXXX XXXX denies ever having received or processed either of the paper checks that SunTrust supposedly mailed to XXXX XXXX. XXXX XXXX has assessed late fees and penalties on my account and considers it to be severely delinquent. In XX/XX/XXXX, XXXX XXXX sent a notice of default and intent to accelerate the loan. 
Meanwhile, I contacted Suntrust and spoke to someone within their " fraud investigations '' unit. According to the fraud investigator with whom I spoke, both checks were cashed at XXXX XXXX Bank. I submitted an Affidavit of Fraud to SunTrust, but was told that I had the wrong affidavit form and that I would need XXXX to sign a Payee 's Affidavit instead. Unfortunately, XXXX XXXX refused to sign the affidavit provided to me by SunTrust because XXXX XXXX never received any check. This was in XX/XX/XXXX. 
Since that time, I have learned that XXXX XXXX is a defunct bank that closed its doors in XXXX. Moreover, I have viewed images of the cancelled checks that SunTrust allegedly mailed to XXXX XXXX, and neither one has any signatures, endorsements or codes/numbers on the back of them. Part of me wonders whether the checks ever even got mailed by SunTrust, or perhaps they were addressed incorrectly and sent back to SunTrust after the bank had already debited my account. 

I have spent many hours on the phone and writing emails top SunTrust only to get nowhere. Neither XXXX XXXX nor SunTrust have any interest in getting to the bottom ofg what happened with my two payments. I'm concerned how this situation is impacting my credit. I have repeatably asked  XXXX not to report negatively to the bureaus to no avail
Consumer complaint received 2019-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (VA)

some one in amazon organization is charging to my card for a commission and send the items to me s if I made the order amazon is allowing the card to be over charged and then report it to the reporting agency 's as going over the limit this has to be some in amazon all the sent to is more than I ordered and no need to order that much stuff I have more rugs than I have rooms in my house to put them
Consumer complaint received 2019-05-16
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank Opened an account advised by XXXX  office to finance XXXX  work. After a year of making triple monthly payments an interest charge of over {$300.00} was added to my account. I have never used this account to add to the balance. Made triple payments. They told me I had not paid balance in full by the end of a promotional time so they added this interest. I believe the public should be aware of this banks practices and know to read all fine print, which I obviously did not do!