davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-27
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Miller, Stark, Klein and Associates (SC)

I received numerous calls from different numbers stating that I owe {$500.00} credit card debt from XXXX XXXX received in 2010. I have never had a XXXX XXXX Card. That state there are several complaints issued against me through XXXX County. I called XXXX County and they state it is fraud.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2016-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AZ)

Years ago I discovered that someone was using my information to get a phone in XXXX At once I contacted both XXXX and Equifax to notify them about the problem and also forwarded the information on the XXXX department that I had contacted. XXXX fixed the problem, but I have been fighting for years to get Equifax to fix this problem and remove the problem. But as of today they are still reporting the XXXX address as mine and not as the Identity Theft that it was. I am very frustrated with Equifax for ignoring this problem and not even responding to my many communications with them!!
Consumer complaint received 2017-01-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (FL)

I have been getting calls starting early morning to late at night from XXXX. I called them this morning after a call from them at XXXX. When I got a service rep, she told me I could do nothing about the calls and that since I was n't a customer I could not speak to a supervisor. She told me that only the person who owned the account could take my number off their list. This is from PNC bank and I have no accounts with that bank and never have! What am I suppose to do to get them to quit calling me?
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-11-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

Our mortgage company demands we carry homeowner insurance to protect the property. We can get homeowner 's insurance but because of our budget, we need to pay it off monthly. The mortgage company demands we show that we paid for the entire year. When we explain this to them, they say they will add the insurance to cover property only and then overcharge us to make additional money. The insurance they are charging us, only covers the building and property and not our personal possessions. We can get insurance for our home much less expensive that would include our personal possessions, but the mortgage company wo n't allow us to do this. They insist on adding overly expensive coverage and adding the fees to our mortgage payment. We think this is a rip off.
Consumer complaint received 2016-12-28
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MD)

Today a XXXX XXXX XXXX ( sounded like what he said ) from the checking account investigative unit of Citibank called me. According to him the bank sent him CFPB case # XXXX which deals with the closed XXXX credit card ending in XXXX. He didnt know why and ask me. I told him I did n't know why the bank contacted him but it sounds like their norm of miscommunication. 

My problem with Citi is why did the banks IRU send my closed checking plus payments to the credit card? That checking account ended in XXXX. The account numbers were written on the checks and money orders. I attached copies of the checks because Citi accused me of not paying, yet they cashed then applied the money to the closed credit card. XXXX XXXX kept asking me the same question at least four times. To me this was a rhetorical question ; he knows the answer. 

In addition to the Citi still has not addressed how can a closed XXXX account be a 169 days late as of XXXX XXXX? Now that Citi deducted the misapplied {$150.00} it has increased the amount owed on the closed credit card account. As stated in case XXXX I stopped the monthly {$70.00} ACH to the credit card and will pay {$50.00} a month until Citi gets their act together. I hope soon because they are purposely keeping me in extended debt to them on purpose.
Consumer complaint received 2017-03-28
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pendrick Capital Partners Holding, LLC (TX)

I XXXX in XX/XX/2008, I have not been able to work since, just 3 or 4 years ago I was XXXX. He XXXX, I went to hospital for several days & XXXX cost & stay was waived due to my indigent condition by the XXXX ... The XXXX however appears to be a money grubbing XXXX & has turned his fees over to a collection agency. Initially I made payments by borrowing money from family & friends. I paid off some of the debt then. Recently I have been receiving calls from Affiliate Asset Solutions. I still am not able to work & feel this debt is unfair.
Consumer complaint received 2016-11-28
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WELLS FARGO & COMPANY (AZ)

I received a call from XXXX XXXX from the Office of XXXX. She said I have an outstanding balance from Wells Fargo in the amount of {$1500.00}. I have a Wells Fargo account and know nothing of this. If this did happen, it was over 10 years ago when I was living in XXXX XXXX. I now live in XXXX. She said she sent me a letter which I never received. I told her to send me written verification of the debt and she refused. She immediately told me that I need to settle or it could escalate to court. I am disputing this debt and she is refusing to work with me or give me validation. I have looked up the number and have found numerous complaints. They asked me if I was XXXX XXXX ( I have n't been using XXXX in 5 years since I got married ). Wells Fargo has no record because I called.
Consumer complaint received 2016-09-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (CA)

I would like to lodge a complaint against Synchrony bank. They are reporting a wrong and fraudulent information to credit bureau agencies. Since, XXXX XXXX, I have been in contact with this bank who promised that this information will be deleted. However, when I received my credit information, they put a negative {$300.00} from XXXX account to my credit report. I notified them that my car was broken into and all of my personal and SS number was stolen back in XXXX. I kept sending correspondence to this bank that this account was charged fraudulently and it should be removed. To to their omission, my refinancing loan is not going forward and I am paying a higher interest until this issue is resolved.
Consumer complaint received 2016-09-12
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

Fell behind on payments. After 90 days we received our {$1000.00} payment back, and spoke with XXXX XXXX. He managed to lower the actual owed amount to under {$300.00}. Since then I have not spoken to the representative more than once. I had to fill out XXXX modification packets. On the first XXXX we mailed and faxed, they claimed they never received or lost some of the paperwork. They 're excuse was that they had multiple offices and the paperwork could of gotten mixed up. I 'm in the process of doing it a third time, but all electronically with help from XXXX.
Consumer complaint received 2016-09-13
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I was banking with Bank of America a few months ago and I lost all of my banking information. I have all of my banking information written down so that I wo n't forget it. It was the last week of XXXX and the last transaction I made with my card was on Monday XXXX, XXXX. I did n't know that I lost my information until that Wednesday XXXX, XXXX. When I was unable to log into my mobile app I contacted the bank and I was told that my atm was reported lost. I know that I did n't report my card lost because I did n't realize it was lost until the day I contacted the bank. As the weeks progressed I started to receive documents from Bank of America of bogus checks that someone tried to deposit into my account. Once again I know that I did n't authorize these transactions and also my signature was forged onto the checks. I tried to file a claim with the Bank and I informed them that I lost all of my information, and my claim was denied because whoever used my information did it through the mobile app, so it looks as though I self compromised my account which I did not. Due to this incident I am having an extremely hard time opening up a new bank account due to some else using my information. I really would like to get this resolved or removed somehow because as I 've stated previously I was not aware that I lost my information until I was unable to log into my mobile app and I started received all these different documents and things to my house.
Consumer complaint received 2016-07-12
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: AES/PHEAA (CO)

National collegiate trust bought out my student loans and claimed I am I 'm default from loans that were purchased in 2005. I have mad several attempts to get this business under fire for their wrongdoings and wo n't stop until I do. There is nothing stating I must stay in default and have my credit ruined by a collector XXXX. The loans were originally serviced out of XXXX and I live in XXXX. Somewhere this loan stops here. I even tried to send a complaint to the XXXX on this company to which I was told down at exist. I have a screen shot of the initial letter that states this. How am I paying to a company that does n't exist or when trying to locate even simply through XXXX wo n't come up? I refuse to stay in default for over 4 years. Something needs to be done. XXXX XXXX and XXXX has my loans and if you do n't answer then I 'll go after them too.
Consumer complaint received 2016-05-23
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: LOBEL FINANCIAL CORPORATION (CA)

At the time of purchase of the vehicle XXXX XXXX lead us to believe that XXXX XXXX my daughter was the head of contract and I XXXX XXXX will be the Co Signer, Later to find out he switched the info the other way around. Also later after we have retrieved the vehicle I learned that the vehicle was never smoged and the car was not all the way registred through the DMV because it has not been smogged. It is illegal to sale a car from a car lot with a certfied smog. I notfied XXXX that the check engine light was on and that the car was leaking from the coolant reservoir tank. He had paid a smog place XXXX dollars for am illegal smog. The address of the smog place he went to is XXXX XXXX XXXX XXXX XXXX, CA XXXX. He has been sending Text messages from his cell phone XXXX stating Lets hack this situation, I 'll will send you the bill of sale and in the bottom youll read i appoint XXXX as my power attorney to finish all documents in this manner. I 'll email it soon. Im protecting myself from legal issues. Also the dealership is not on a lot. It is a house that he live in with his wife and XXXX dogs and a horse. XXXX has lied to me and the financial company, He is not operating a real legit business. I feel I do not owe Lobel Financial XXXX XXXX does. He lied to them as well as me and they released funds to XXXX XXXX owner of XXXX XXXX XXXX, XXXX that he used to get married. I put XXXX down for the vehicle. I want my money back I put down on the vehicle an the money I have to spend for repairs for the vehicle can pass smog.
Consumer complaint received 2024-10-14
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. (LA)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit health.
Consumer complaint received 2016-07-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I once again write to you in hopes that finally you are able to assist me in having the suspected fraud of my foreclosure case and land records gets investigated. 
I have in the past sent you correspondence asking for your assistance and all I get is one of the banks taking forever and then sending me nonsense. 
The Banks/Servicers/Trustees are not complying with the FDCPA, RESPA, and TILA request that have been sent to them via e-mail, letter and through CFPB. The new servicer has been sent QUALIFIED WRITTEN REQUEST, COMPLAINT and DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST and they have not fully responded nor have they provided certificated and authenticated documentation nor have they provided supporting affidavits are required by law. In addition the suspected fraud has not been investigated. Please help me save my home and help me investigate the fraud and have the entities involved comply with the laws. 
The entities involved with my mortgage and foreclosure case is as follows : 1. Originator : XXXX a subsidiary of XXXX XXXX XXXX ( they filed bankruptcy and went out of business in XXXX 2007 ). Bankruptcy Case Number : XXXX 2. Sponsor : XXXX XXXX XXXX XXXX XXXX 3. Depositor : XXXX XXXX XXXX XXXX XXXX 4. Issuing Entity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Servicers : XXXX XXXX, XXXX XXXX XXXX XXXX, Specialized Loan Servicing 6. XXXX XXXX XXXX, XXXX : A company organized by XXXX XXXX XXXX in 2007 which included several platforms and one of them was XXXX XXXX XXXX d/b/a XXXX XXXX. 
7. XXXX XXXX XXXX : The company that acquired XXXX XXXX XXXX, XXXX. 
8. XXXX XXXX XXXX, disbarred attorney who was part of the foreclosure mill in Florida and was disbarred for foreclosure fraud. XXXX XXXX XXXX was the attorney that drafted and filed the assignment of mortgage that was used in my foreclosure action and I suspect it to be fraudulent. 
9. XXXX XXXX, Clerk of XXXX County Court : I sent a letter to the Clerk of Court requesting that an investigation be initiated regarding my foreclosure case and my land records because of suspicion of fraud. This has never happened. 
10. Chief Judge XXXX XXXX : I sent a letter XXXX XXXX requesting that an investigation be initiated regarding my foreclosure case and my land records because of suspicion of fraud. This has never happened. 
11. CFPB : I have filed many complaints and have appealed the response from the different entities but nothing has been done. No investigation has ever been initiated. 
12. Attorney General XXXX : A complaint was filed with this office but nothing ever happened. 
13. DOJ : A complaint was filed with the DOJ as the settlement agreement with DOJ and XXXX XXXX XXXX list in their Annex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as one of the trusts that are part of the settlement agreement having to do with fraudulent activities of the banks. 
See attached for further information.
Consumer complaint received 2016-11-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (MD)

My daughter received a loan from Sallie Mae for tuition this semester, and I co-signed. To keep the budget manageable for her, I 'm making the monthly payments while she is in school. 

When I got the first bill I signed up for auto debit ( i.e., Direct Payment via ACH ). They provide a .25 % discount on the loan rate. I provided RT/DDA etc, and was n't paying much attention on the amount. The first payment is due XXXX XXXX, so I just checked again, and I 'm signed up to pay the minimum, so thought I 'd call them to see how I could bump that up a bit on a recurring basis each month to shorten the loan repayment period ( there was no info on their website about how to do this ). 

But Sallie Mae does n't allow it!!! Sallie Mae only accepts the minimum payment when the borrower signs up for auto debit. This binds the borrower to a longer loan repayment period - and earns more interest $ $ for Sallie Mae. When I called, they confirmed that the system only allows the minimum payment for auto debit, and that to pay more you have to send a check or make an additional payment via online banking, which is not customer friendly - and less convenient as it adds another step. 

This smacks of corporate shenenagans - offering a .25 % discount for auto debit, but then only allowing minimum payments for the benefit of Sallie Mae. I mean, think of all the poor graduates who want to use the convenience of ACH debit to manage their expenses, and now they get locked into paying more interest because the life of the loan gets extended.
Consumer complaint received 2016-11-28
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Ad Astra Recovery Services Inc (GA)

I paid for this debt in full for the amount of {$1300.00} to a XXXX XXXX law firm who is allegedly associated with Ad Astra Recovery Svs In. I asked for a receipt for the amount I paid and was told they do n't give receipts. I call the company several times before I even paid the debt and no one would assist me in resolving the matter. I want a receipt for my money paid mailed to me asap and this item removed from my credit report. I do n't even live in XXXX I live in XXXX and I was n't even suppose to receive a loan if I was n't a resident of the state XXXX. I do not have a XXXX Id or DL, I was temporarily working a XXXX job there over a year ago. I have paid this debt and I want my proof.
Consumer complaint received 2016-12-29
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: Select Management Resources, LLC (OH)

Thr lender keeps contacklting me about a vehicle that I have n't had in my possession since XXXX of 2015. I was assuming that they were the ones who repossed my vechile since I didnt have anything else on it. I want the calls to stop while I 'm at work! I 've mentioned several times to contact me when I 'm not working, however, the company refuses to contact me within those time frames, not to mention its probably illegal for the representives to call me from their personal cell phones which actually did happen!
Consumer complaint received 2017-03-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Got screwed by Citibank on the {$400.00} bonus Checking account promotion. It was been almost 5 months since I opened the promotional account but I 've not received my {$400.00} bonus. I have contacted them many times and even though they insisted multiple times on the phone that i was eligible for the bonus and had met all the terms/requirements. The one supervisor I spoke to told me it was be credited on XX/XX/2017 but now it 's XX/XX/XXXX and I still have n't see the bonus credited. They filed an investigation/dispute on my case to research on why I did n't get the promotional bonus. Why would they need to file a investigation/dispute for a promotional bonus? Very nonsense!! I called again yesterday and the Rep told me there was a letter mailed out to me saying I did not qualify for the promo which was ridiculous. Every time I called, they tell me different thing. Very inconsistent. They are not promising what they promoted which felt like a scam to me. I will be closing my account this week. I 'm not going to waste anymore of my time arguing with them back and forth. This was my first time opening an account with Citibank and would definitely be the last time.