davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bliksum, LLC (CA)

This collection company never contacted me direct at first. They contacted my sisters, my nieces and nephews. When I contacted them they were rude and extremely aggressive. My personal information was also passed along to my family members. My sisters were told that I am in major trouble and that I owe a lot of money to people and that a lawsuit was filed against me and that they needed to tell me to contact the company right away or I would be served and prosecuted. They stated that they had a process server on the way to my place of employment at serve me legal documents because legal action had been taken against me. They said the only way to stop a lawsuit and place the process server on hold was to make payments to them directly and immediately. They continually called my sister, my nieces and my nephews on their personal cell phones and at their places of employment even after being told to stop harassing them and to not contact them. After they were told not to contact them again the company called back another 6-7 times back to back. I myself have had the same issue. They called at least 10-15 times a day and even when I did answer they threaten me with a lawsuit and became aggressive using scare tactics to get me to provide them with my banking information. 

They used three different numbers to contact me and my family : XXXX XXXX XXXX
Consumer complaint received 2019-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (CT)

I was very upset to learn that Citi is stripping almost all the insurance from its credit cards for things like trip insurance and return protection - even for new cardholders. They sold the card I was recently approved for with this insurance - such false advertising! They should not be able to sell you one product then just give you another. This really reduces their card 's value - almost all my other cards have at least some of the benefits they have stripped away. It is a move that will enhance Citi 's profits while severely harming consumers and should be looked into by the CFPB.
Consumer complaint received 2019-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (KS)

To Whom This May Concern, I received a 1099-C Cancellation of Debt in the amount of {$1700.00} referencing account # XXXX dated XX/XX/2018 Sears MasterCard. I have sent two letters to the following address : Citibank, N.A XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, NY XXXX Attn : Internal Recovery I have asked them to provide me with the following items : 1. ) Who opened this account?

2. ) Send documentation of what the historical items are and how this balance got to this amount. 
I have called them several times and have also sent 2 letters to them with the US Postal service. I sent so they would have to sign the second request. Please assist me in resolving this matter. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I called Studentloans.gov on XX/XX/2018, seeing about consolidation of my loans with Navient. The rep that I spoke with kept asking for me to repeat my ssn. Then I was informed the reason why I couldn't see any loans on the studentloans.gov website is due to another ssn was attached to my account with Navient. I called Navient on XX/XX/2018, they stated to me that they could not see another ssn tied to my account, but they ask for me to send in a copy of my DL and SS card. I requested a full report of my account with them and they stated it will take 5-7 days due to mail.

The whole issue is that I don't believe what they say any more. I have called in so many times trying to get my monthly payment lowered and they place me on a forbearance and then state to look in my email. They can never tell me what the new monthly will be. I have had to call each month this year to ask about lowering my payment. One person forgot to submit my request. The other person told me to complete a consolidation. Each time it is something different to get more money out of you. I have been working on my credit for the past two years, so my wife and I can buy a house. Well It has been a roller-coaster due to Navient and their payments. Right now they sent me a letter saying monthly payments for a loan ( did not say which loan ) and the loan amount is XXXX, but my total loans show a big balance of XXXX. Not sure what is going on.
Consumer complaint received 2019-09-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc. (WA)

I submitted a CFPB complaint XXXX to MoneyLion on XX/XX/19 and they on XX/XX/19 and admitted their problem that failed to offer me the welcome bonus {$590.00}. They said they will add me the bonus within 1-2 weeks after their response date XX/XX/19, however, so far, it has been about 4 weeks and I still haven't seen the bonus posted to my account. I tried to contacted them many times, and their customer service number can never be reached and always asked me to leave a message and they will call me back soon, but they never called back. Please be honest and keep your promise to add me the bonus funds {$590.00}.
Consumer complaint received 2019-09-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION (NC)

BB & T charged my small business ( XXXX XXXX XXXX ) a non compliance fee from XXXX XXXX. The fee was not clear and conspicuous on my statement. When this fee began in XX/XX/XXXX, the bank did not make it clear to me ( and probably many others ) that I was to do a compliance survey yearly. They never gave me a clear and obvious reminder each year to resubmit a new survey. They recently told me it was MY 100 % responsibility to submit the survey. They ( BB & T ) had no responsiblity to remind me. They were never proactive in nearly 10 years to ever give me a heads up or a courtesy notification that I had not done this survey. I just discovered that this item has been charged to me since XX/XX/XXXX. They stopped sending me paper statements in XX/XX/XXXX, because they started charging me to send them. They raised the non compliance fee on 4 occassions without full, clear, conspicuous, prior notification. I did the survey in XX/XX/XXXX when they made it clear it was required. If I had known I was receiving a penalty for not doing the compliance survey, I would have obviously done it. I know this has to hit other businesses like mine. I feel they don't want to give me a heads up, so they can collect the penalty fee. Also, in my appeal to the bank to forgive this penalty, that is completly unfair, they have been mostly difficult, sometimes rude, and non transparent. At this point today, they have been unwilling to give me the total penalty fee that has hit me for nearly 10 years. My online statements only allow for me to look back 18 months.
Consumer complaint received 2019-09-24
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. (NJ)

There are items still on my credit report that have been reported more than once. All contacts with FTC and local police department have been made. However these items are yet still on my report : XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX.
Consumer complaint received 2019-01-22
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (OH)

I was recently informed of an ongoing lawsuit against Citibank Private Student Loans regarding their practices. Back in XX/XX/2017, my daughter submitted a Co-Signer Release Form to release me ( Her Mother ) of any financial obligation due to her having full-time employment. Not only did I not get released, but apparently, I am showing a derogatory mark on my credit report. The loan was removed from my daughters name and apparently put into mine. My daughter has since pulled her credit report, and the student loan is not showing. Its on mine showing closed. Neither my daughter or myself got anything from Citibank explaining the situation or have received any statements. This was also during a time that Citibank sold their student loans to XXXX. We have paid off the XXXX Loans. This is apparently a part of the suite that is against Citibank mishandling their Private Student Loans. We also found out that my daughter was eligible to claim her interest, when they told her she was not. 

I would like a response from Citibank as to why an unsettled balance I s showing on my credit report as the co-signer, but the student loan shows transferred and paid on my daughters credit report. And why we have not received any statements or other paperwork explaining. Im hoping to get legal assistance with this, but thought I would try here first.
Consumer complaint received 2021-04-01
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 — Was not notified of investigation status or results
Company: CL Holdings LLC (PA)

This company has yet to respond to any of my letters requesting documentation regarding an account that is reporting to my credit report. I sent a letter on XX/XX/XXXX and XX/XX/XXXX and have yet to receive any documentation regarding this debt.
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (AZ)

On or approximately XX/XX/2019 I started to actively activate my credit card issued via Citi Bank. After three or so tagging my credit card info to XXXX XXXX, XXXX, XXXX etc I received a fraud alert on my account. I reached out to rep via app chat, and provided a 24/7 Fraud Number, ( XXXX ) XXXX since XX/XX/2019. On that date, the rep stated they will mail a letter 7-10 business days, and 7-10 business passed. Its XX/XX/2019, and again going thru the same process, the system they use via third party look for a way to tag my information of me but I have nothing more then little that can verify that I am who I say I am. I ask for information, to no avail. They have not been helpful, resourceful and would like for their security check to change or at least offer other ways to verify its me.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (MA)

Most of my available money is tied up in online banking with Ally Bank. They used to be reachable by phone, now they won't pick up when you call. You have to wait for a call back. Their website says it will be a 1 minute wait. I tried to speak a week ago with them, it took 48 hours for a call back, I missed the call because it was a sunday at XXXX. This is a problem, I need to be able to speak with someone. They locked me out of my account because I tried to login from several places -- I have linked accounts to an investment account and a budgeting app. I haven't changed my password, and haven't had issues until recently. Their system is messed up. This shouldn't affect my ability to access my money but it is. This is a problem, my mortgage payment comes out of one of my account with them. This is a HUGE problem.
Consumer complaint received 2018-09-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Management Services, LP (ID)

I recently got married and went to my husbands bank to be put on his checking account ( XX/XX/XXXX ) so they pulled my credit and told me I couldn't get onto his account because I had a collection on there from XXXX XXXX. 
I was confused as to why I had a collection because I had closed my accounts there almost a year ago, so I called XXXX Bank ( XXXX @ XXXX ) and they said they sent me to collections due to a balance on my checking account. I had no idea that I had a balance on my checking account and when the account was closed no one told me that I had an outstanding balance to pay. Not only that but I guess they had an old address on file that I haven't lived at for over a year and were sending information and statements to that address. I moved into my new address XXXX of XXXX and had no idea these letters were being sent to my old address. Nobody called me or reached out to me in any other way so how was I supposed to know that I had an outstanding balance? The only way I was even brought aware of this debt was because I got married and tried to get on my husbands checking account. XXXX XXXX  told me it was my fault that I didn't give them the new address ( the account was closed or wasn't being used so why would I give them my new address? ). The collection company XXXX XXXX said that they couldn't help me either and I ended up paying the debt amount that was around {$51.00} ...
Consumer complaint received 2024-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (CO)

I have made repeated requests to Flagstar bank that they conduct all communications electronically. 

Although I have asked that they not call me and that they contact me only by email, Flagstar bank continues to call my phone. 

Although I have signed up for all communication to be electronic ( i.e. via email ), the bank has not emailed me a single mortgage bill since we got our loan in XX/XX/year>. 

Flagstar bank submitted NO request that I provide updated proof of home owner 's insurance, but they did send USPS mail to my home advising me that plan to purchase hazard insurance on my property. 

Flagstar routinely ignores my request to contact me electronically and threatens me with the forced purchase hazard insurance.

If Flagstar bank would simply comply with their own policies, to contact customers per their preferred contact method ( electronic communication for me ), they could advise me by email that they want a copy of my updated insurance information.

Instead of contacting me via my preferred method of contact, Flagstar has mailed me threats that they will purchase forced place insurance that I must pay for.
Consumer complaint received 2021-11-16
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: EQUIFAX, INC. (IL)

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. experian paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2024-09-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC (GA)

On XX/XX/XXXX Flag Star had added my spouse to my account without my consent. I explained to Flag Star that my email and my mailing address was changed. They allowed my spouse to get personal mail until XX/XX/XXXX. Statements and financial documents to resolve mortgage payments wasnt sent to my mailing address that was changed XX/XX/XXXX. My contact information was change email and phone number. I currently can not login to my account because my spouse has her email address XXXX as the email. My spouse has temporary possession but not the owner or on the contract. The court documents states temporary possession. I have sent a letter XX/XX/XXXX to request her removal from the account and Flag star has refused to remove her. I call XX/XX/XXXX to request her removal. The contract and any other documents that my spouse has access to is a violation of the privacy act XXXX she isnt on any documents. These documents have my social security, bank account information loan number, other personal information which is a social security violation. Flag star as a financial bank has released sensitive documents that doesnt pertain to my spouse. Flag Star didnt contact the account holder my self to confirm consent. There is no court document that gives any person the right to access your personal information and data. My spouse isnt part of the home owner insurance as the owner. Flag Star is the only Financial Bank I am having issues with. I explained to Flag Star that in Georgia it is illegal for anyone to access any account without permission they refused to apply to the law. I had explained I will file a civil suit against them for allowing this action without getting clarification either from the court or myself. Flag Star has took it apon themselves to add my spouse. I also said I will be contacting the VA, Attorney, FTC
Consumer complaint received 2020-04-05
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit  trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (TX)

I applied for a Wells Fargo Active Cash credit card today ( XX/XX/21 ) with the intent of maximize the current {$200.00} back on {$1000.00} spend promotion. After completing the application, I received an email notification stating that I was approved for the Wells Fargo Platinum Card ( not the card I applied for ). After spending 52 minutes on the phone, the 6 Wells Fargo representatives I spoke with told me that they were : 1. Not able to make the correction to the application ( from " Platinum '' to " Active Cash '' 2. Would not be able to take any further action until an " investigation '' was completed 3. Would not be able to close the Platinum Credit Card, that I did not apply for Either through deceptive practices or system errors, I was approved for a credit card that I did not apply for. Wells Fargo is not allowing me to close the account even thought it was created fraudulently.