davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Weltman, Weinberg & Reis Co., L.P.A. (IN)

Due to job loss, we fell behind on our credit card payment to  XXXX   XXXX   XXXX   XXXX    (  "  XXXX  '' ), which then  caused Weltman, Weinberg & Reis " WWR '' ), a c ollections law firm to begin to call us and send us letters. We have attached a few of these letters, which implied were coming from an attorney, but really were not. We agreed finally to try to make some payments, and were told by WWR that we would have nothing bad on our credit rep  ort. WWR lied to us, as they put a judgement on our credit reports.
We read that the CFPB last week filed a lawsuit against WWR for fraud and deception ; which is one of the reasons that we are filing this complaint.
After we found out abou  t the judgement, we then discovered that   XXXX   XXXX   XXXX   was not licensed nor registered to do business in  XXXX , and thus did not have any access to the Indiana courts to file a judgement. Despite the lack of legal standing, WWR did it anyway. This seems to be an unfair, abusive, and deceptive business practice by WWR.     When we  told WWR a nd  XXXX  that they had done some bad things, and were violating numerous consumer protection laws, they merely sold our account to   XXXX   XXXX    XXXX   XXXX   ( "   XXXX    XXXX   ''  ).   XXXX    XXXX   has done nothing to correct this problem, as the employees of  XXXX  are still servicing the account, and rely on WWR for legal advise. So they continue to cover this up, and have done so for many years now.     Now that the CFPB has taken action ag ainst WWR, this would be a good time for the CFPB to investigate this matter, and take appropriate action against WWR, Targ et, and   XXXX   XXXX  .
Consumer complaint received 2017-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GreenSky, LLC (HI)

.    One  day  XXXX   XXXX  came to my house and referred a company that will install a water heater solar panel in my roof. He then let us signed a contract for the installation. However, when the installers came, we changed our mind and did not let the installers proceed. In others words, we cancelled the job.  One month later GreenSky started sending me the bill. So I just ignored it because since we cancelled the installation I do n't owe any money. This company just persistently sending me the bill with interest. One day I wrote a letter on the statement stating that the item was not done because I cancelled the installation. The following month GreenSky  sent a bill with interest totalling {$10000.00}. So I called again telling them that I just sent them a formal letter dated  XXXX   XXXX ,   XXXX   telling them that the job was not done. So I called again and  one of the rep.  that I talked to by the initial of  XXXX . on  XXXX  said that they never received any letter. My big issue now is that this company even reported this to the credit bureau and ruined my credit already. I want them to removed this issue on my credit so that I will have a good credit again. Thank you very much for your kind assistance regarding this issue.
Consumer complaint received 2016-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XXXX, 2016 I requested a mortgage satisfaction letter for my property at XXXX XXXX, XXXX XXXX XXXX XXXX from Bank of America which is in the process of being sold. Since then I have made numerous request and I have received the wrong document 3 times pertaining to another property in another state. I have spoken Bank of America 's Advocacy Team and again received the wrong documents.This has delayed the closing of my home and possibly the sale of the above property.
Consumer complaint received 2016-08-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (PA)

Hello After being unemployed for the past 2 years, I need to get my credit to good standing. I called Exeter to remove their credit entry from my credit report. The rep told me that they ca n't. The balance on the account is showing {$16000.00} and there is nothing I can do to bring the account current. There is no reason for this entry to be on my report. Exeter would not make payment arrangements with me and would not offer any type of arrangement for the account. I feel that this is harrassment and an abuse of company power. Since there is nothing more I can do with this account, it should be deleted from my report. I will request a protection from abuse order through the court system if this is not handled ASAP. I believe Exeter has recieved money from the sale of the vehicle and should not be charging me anything. The vehicle was definately not worth more than {$5000.00}. 
What would you like the business to do to settle your complaint? 
Delete the negative entry from my credit report.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

I explained to  XXXX ,  XXXX , and Experian that i do not recognize any of these inquiries on my credit report. I am writing to dispute the following information in my file. I recently received a copy of my  XXXX , Experian, and  XXXX  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insuran ce C. Employment D. Court Order The f ollowing credit inquiries are related to none of the aforementioned permissible  XXXX   XXXX   XXXX    XXXX .   XXXX   XXXX   (  XXXX   XXXX ,   XXXX   )  XXXX   XXXX   XXXX   (  XXXX   XXXX ,   XXXX    )    XXXX   XXXX   (  XXXX   XXXX ,   XXXX   )
Consumer complaint received 2017-04-25
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CA)

I applied for a HAMP modification and was told the package submitted was complete on    XXXX   XXXX   XXXX  . I ap plied because my husband had died and I needed to get the HAMP modification. I have proof that all information requested was provided via email and fax and can provide that proof.   On  XXXX / XXXX / XXXX  there was a request from the bank for a lease rental agreement or Schedule  E and  ( which was sent in as part of the ta xes ) proof of income, both pay and profit and loss and verification of SS income. This had all be en sent in with the original package. I have proof of that.   On   XXXX   I was told that the following documents were needed  : 1 ) business tax return ( which was submitted ) with form  XXXX  and Schedule  XXXX  which was part of the return.     US Ban k claimed they did n't have it but it was submitte d. 2 ) paystubs. All proof of income was provided to US Bank including my salary, my profit and loss as a music teacher and my SS awards. US Bank referred to {$71000 .00} which was on the  XXXX  tax returns. I explained this was when my husband was alive and had no bearing on the income I earned since his death. I had provided his death certificate with the initial submission in  XXXX   XXXX .     The underwriter again asked for proof of the {$71000.00} earned by my husband. All items had been sent more than once and I have proof of them being sent.     This is now my   3rd complaint. The reason being that US Bank continually sending me patronizing responses saying they have not received items I have sent and they must be held accountable. They have thrown me out of the HAMP program I applied for, the one that would help me the most.
We will be happy to provide all corroborating documents. The file provided to the bank is massive and too large to upload.
Consumer complaint received 2016-08-26
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (TX)

A check was presented twice for cash my check # XXXX from Citibank was presented and paid on XXXX/XXXX/XXXX and a second time on XXXX/XXXX/XXXX over a year later. I opened a case with CITI but want to also let you know that this is happening. This is obviously Fraud. my questions to the Citi Rep was 1. how does a check over a year old paid? 
2. why is the same check paid twice? 
no responses to either. Last years check should have been destroyed after payment by the bank I suspect. Meanwhile the bank is not refunding the funds and starting an investigation. so I 'm down in {$330.00} due to their negligence to identify fraud
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (PA)

We had a credit of {$100.00} on o ur American Express Optima Platinum Card  ending in  XXXX . Called the company on  XXXX / XXXX /  XXXX  , and asked them to send us a check for that amount. They told me they would do so. I called again on  XXXX / XXXX /  XXXX  , because we had received the check, and inadvertently shredded it with some other credit card offers, so I told them that I would need a new check issued to us in the same amount. They told me that this would be no problem. Please note that the card with the credit issued was under my husband 's name of  XXXX   XXXX   XXXX . I also have a card with  American Express e nding in  XXXX , and my name being  XXXX   XXXX   XXXX . Please note that when I contacted this company, I called from my home number which was verified b y American Express, an d the check was going to our home address in Pa. I received another letter from them dated  XXXX / XXXX /  XXXX  , stating that a stop payment was put on the check that I inadvertently destroyed, and a new one was issued. I received another letter  from American Express  dated  XXXX / XXXX /  XXXX  , stating that they issued the check on  XXXX / XXXX /  XXXX   for {$100.00} and to please disregard any other communications that I received from them. I called them again on  XXXX / XXXX /  XXXX   to tell them that we still had not received our check. They proceeded to tell me that they had to speak to  XXXX   XXXX  because the credit card that had the credit balance was issued in his name. My husband got on the phone and proceeded to tell them that they could speak to me regarding anything that has to do with credit cards, etc. They gave us a line that the check was going out that day! I told them that I wanted to be contacted by a supervisor, and they proceeded to tell me that no supervisors were available on that date, and that one would call me back with in 24 hours - th at never happened. On  XXXX / XXXX /  XXXX  , and   XXXX   XXXX  ., I call ed American Express from o ur home phone, and asked them where our money was. I got no where with a customer service person, like usual, and spoke with a supervisor that I waite d 10 m inutes for named  XXXX , who told me that he had to speak to my husband. It was  XXXX   XXXX   XXXX  ., and my poor husband was sleeping. I was the crazy person who was up and going nuts over the lines of baloney they gave me when it came to the money that was owed to us. He said that I would have to call back because he could n't give me any information regarding our account. At this point, I got so mad that I hung up on him, and once we get our money, if we ever get our money, I will close that account.
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AZ)

First, this is not a live-or-die matter.     I have a mortgage  with Ocwen Financial. I have  always paid on time.   The specific matter here is a payment they say was received on  XXXX  ( a Mond ay ).   XXXX   XXXX   XXXX  , which sent the payment via my online bill payment account, says it was received on  XXXX  ( a Fr iday ). The { $98.00} penalty   Ocwen assessed itself is not a " federal case '' and is hardly with bothering you. I took pains to ensure the payment would arrive before a penalty was assessed, though. What I did want to do is weigh in on Ocwen and my overall experience with them.
I inherited Ocwen when my loan was sold to them, without my approval, obviously. My only experiences with them have had to do with an inquiry about refinancing at a more current rate ( at the time, they were of no help - now they are pushing refinancing ). They got my inquiry so screwed up, misunderstanding that I was only asking so that I might lower my monthly payment. They interpreted the request as my being in financial trouble and I kept getting remediation packets - six in total! - after I had disabused the  m of that idea when I first spoke to them. After weeks of calls and mailings, they finally relented. My conclusion : these people are really, really stupid.      Re : my current issue and their alleging I paid them a day late. I called my " customer service representative ( which is what Ocwen calls anyone who answers the phone ). He was an outsourced person ( which is OK by me, as long as they are qualified to be of help ). It turns out, not surprisingly, that he was incapable of doing anything but reading a script. Ocwen gives its customer-contact people absolutely no authority to mitigate, ameliorate or otherwise help whatsoever. Ocwen ma kes  XXXX   XXXX  look like emissaries of  XXXX   XXXX .     Anyway, of all the mortgage companies and servicing firms I have experienced in my 40 years as a mortgagee, I have never experienced the rank incompetence and unhelpfulne ss of Ocwen. Ever . I have held this in until now, but reading about their downgrading by  XXXX  and  XXXX   XXXX , I was prompted to speak out.
Consumer complaint received 2017-04-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP (MN)

I had a client do an international wire transfer to me because I trade the foreign exchange market. I have been a professional trader, trading for my self and clients for four years now. This client sent the funds to my account and about 3 weeks later contacted his bank stating it was wire transfer fraud and he did n't know me. This client e mailed me, talked to me on the phone, sent me messages on  XXXX  for over 6 months prior to doing business and we met twice before. The client also signed an Esign on my contract. I had already made capital gains on his trading account between the time he funded the account and paid my fee an d the 3 weeks before h e claimed a dispute at his bank. When I asked this client why he made the wire transfer fraud claim, he stated he did n't plan on paying me for the work I did. He removed me as a cosigner on the trading account and got the {$4500.00} in the account . US Ban k put {$1600.00} on hold in my account with them.US Bank 's wire transfer department reached out to me right away about the situation and stated my account has to be on hold now until the investigation is over. This situation started back in  XXXX    XXXX   and still has n't been resolved up to today. I played phone tag w ith the US Bank wire transfer department and they kept telling me to contact my local US B ank primary location who put the hold on my account to have the situation taken care of. So I reached out to the  bank manager at my primary US Bank location about the situation. She told me to send her all my proof and situation to her email. I emailed her 3 times and got no response. About a month after the emails were sent, the bank manager finally called me and told me there was nothing she could do on the situation and the wire transfer department told her to leave the hold on my ac count. She stated to contact  XXXX  at the wire transfer department again who had my case. I contacted and talked to  two people i n the wire transfer department again following up and was told no one was available to discuss the situation and that  XXXX  was out of the office for a week. I left a voicemail that day and never heard anything back. I waited for another month and called again. I got no response from  XXXX  or the other main guy on my case involved in the wire transfer department. I went to another bank location in my town and contacted there email support. They both stated there was a hold on my account and only my primary location can remove the bank hold. This has been going on for over a year and I 'm looking to get the hold removed from the account.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2017-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

Since   XXXX  , when my federal loans went into repayment, I have experienced long-term hardship creating difficulty in repaying those loans. Navient ( formerly operating as    XXXX   XXXX   ) wr ongfully steered me into multiple consecutive deferments and forbearances rather than into an income-driven repayment plan despite my having demonstrated a long-term inability to repay the loan. When I did ultimately apply for the income-driven repayment plan , Navient made th e process very difficult. It was also very difficult to reapply for the plan annually.  One year, when I reapplie d,  XXXX  took weeks to process the request even though I filed within their deadline and charged me as if I was not in plan. It took me many phone calls to have the situation rectified. I continue to qualify for, and remain on an income-driven repayment plan . [ Incorporating where applicable, by ref erence : complaints, arguments, and requests for relief from Consumer Financial Protection Bureau  v. Navient Corp., 3:17-cv-00101-RDM ( M. D. Pa. Jan. 18, 2017 ) ( Cmplt ). ] [ See attached spreadsheet for dates, amounts, and actions taken by me or the company. ]
Consumer complaint received 2017-04-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (VA)

SANTANDER CONSUMER USA, INC is in Violation Of 15 USC 1692g and 15 USC 1692j. SANTANDER CONSUMER USA, INC and its agents failed to validate an allege debt in a timely manner as Required by 15 USC 1692G  Section  809 ( B ). Numer ous Attempts through the   XXXX   XXXX   XXXX   XXXX   were sent to SANTANDER CONSUMER  USA, INC and a response was never received. SANTANDER CONSUMER USA, INC  has an obligation to validate a debt once requested by a consumer, after failure to Validate a debt all communication and collections must cease.    SANTANDER CONSUMER USA, INC and its agent continued to harass me by phone calling me 6 to 7 times  a day and sending demands for payments after a request for validation was sent to the com pany multiple times and never responded to the request which is a clear violation of 15 USC 1692g 809 ( b ) and section 806 ( 5 ) SANTANDER CONSUMER USA, INC and its agent is also in violation of 18 USC 241, SANTANDER CONSUMER USA, INC deprived me of my property by repossession my vehicle after failure to   validate a debt.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (TX)

I am writing to formally lodge a complaint regarding unresolved claims related to XXXX XXXX XXXX, which was closed and placed into FDIC receivership. Despite numerous attempts to recover my funds, I was informed that the receivership for XXXX XXXX XXXX ended on XX/XX/year> and records no longer exist. The FDIC Depositor Services team has advised that any claims are now invalid due to the age of the receivership. I am deeply concerned about the lack of transparency and resolution for individuals like myself, who have been negatively impacted by this closure and the unavailability of records. It is troubling that no alternative recourse or compensation is being offered, despite the longstanding nature of this issue. I kindly request that the CFPB review this matter and investigate whether any additional avenues for resolution exist. If XXXX XXXX XXXX 's remaining assets or liabilities were transferred to a successor institution or another entity, I would appreciate assistance in identifying those paths to recover my funds. Additionally, I would like guidance on how individuals in my position can protect their rights and pursue compensation in situations where institutions close, and records become inaccessible. Thank you for your time and attention to this matter. I look forward to your response and any steps that can be taken to resolve this long standing issue. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-25
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: Experian Information Solutions Inc. (IL)

XXXX  has fraudulently put student loans on my account. I have never had an account with  XXXX . They can not provide written proof of a signature with me and  XXXX  on the same contract. I have been disputing them off my credit for years. Since they in bed with the credit bureaus they claim the debt is valid. But they can not provide proof to show where I have SIGNED WRITTEN AGREEMENT BETWEEN ME AND  XXXX .     They are fraudulently messing up my credit on purpose. I have saved monthly credit reports for over 3 years where navient just puts whatever they wont on my credit. Accounts are open, closed, then reopened, paid, not paid, high balance, low balance, missed payments, no missed payments. And the straw that broke the camel 's back was last week my  credit score drop ped by  XXXX  POINTS because of navient fraudulently changing information on my credit.     I AM FED UP. ENOUGH IS ENOUGH. I BEEN PLAYING GAMES WITH THEM FOR TOO LONG. I HAVE A MOUNTAIN OF EVIDENCE ON THEM.