davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-17
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

I notified XXXX XXXX XXXX : regular tod that my Father has passed away so I contacted them to close the account and send me the check since I am the sole beneficiary to this account, I was told by XXXX XXXX XXXX that I would have to send them the death certificate a long with notarized statement claiming that I am his Daughter and that I am the sole beneficiary to this account, so I did and I also requested that once the death certificate was scanned to return it to me, that was on XX/XX/XXXX so when I called again to check on the returning of the certificate on XX/XX/2018 they told me they sent it back so when I asked what address did they send it to it  was an address that I am not familiar with, so I stated I wanted to speak to a supervisor and I wanted to know how is it possible with all of the hurdles that they having me to jump thru to close this account, that a Major Bank can send my Fathers and my personal confidential information to someone that is not associated with me at all. They have violated not only my privacy as well as my Father so explain to me how you plan on correct this violation of privacy act, and I want to be compensated for any occurrences that have happen and in the future, with the threats and hacking my private information has been sent to a stranger and who's to say what could happen because of it, I also want to be reimbursed for the lost certificate I have to pay XXXX for each one I have to order.
Consumer complaint received 2022-02-22
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I sent a credit reporting dispute to XXXX, XXXX, and Equifax Credit Bureaus on XXXX XX/XX/2022, requesting that three accounts listed on my credit report as XXXX  XXXX, XXXX, and XXXX XXXX be verified by requesting the companies provide a copy of the original signed contract between the debtor and myself, as well as pay disclosures, interest rate disclosures, balance histories, and payment histories of each of these said accounts. I requested these documents be provided via mail because I know they do NOT exist. I previously submitted a dispute asking each credit bureau to research these accounts for possible fraudulent activity and got the same response from each bureau that accounts have been verified. I believe that the bureaus are NOT thoroughly investigating my claims and requesting the proper documentation to validate debts but instead unlawfully not complying. I have attached the certified letter that was forwarded to all three major credit bureaus on XXXX XX/XX/2022 and am requesting that they request and obtain all proper documentation from debtors and accurately investigate my dispute which will determine that I have no signed contract with any of the debtors listed above.
Consumer complaint received 2018-12-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NJ)

I opened a Citibank checking and savings account in XX/XX/2018 due to a {$400.00} promotional offer. {$15000.00} was deposited for 60 consecutive days as per terms and conditions. It has already been 4 months and bonus money has not been received. Bank automatically closed my checking account and said it was due to zero funds after 90 days. I had kept all deposit money in the savings account and was never informed I would need to keep money in the checking account. As a result of the automatic closure of the checking account, Citibank says I am no longer eligible to receive the bonus. I would like to receive the bonus since I met the original offer requirements ( keep {$15000.00} deposited for 60 consecutive days ).
Consumer complaint received 2018-12-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CT)

Step 1 : What is this complaint about? 

XXXX XXXX Citi Bank Credit Card XXXX XXXX XXXX XXXX and {$120.00} in Fees no merchandize involved. 

Step 2 : What type of problem are you having? 

I closed the account in XX/XX/2018 because XXXX XXXX  doesnt offer electronic statements in real time. It seems they are retaliating against my decision over to close the account over their customer service issues. It feels like bulling and intimidation tactics to coerce me to pay nonsensical fees by continuing to access fees on fees. I would think a bank like Citi Bank would offer an interoperable website in real time to make credit card information accessible to end user. Rather it seems they are taking advantage of all whom may not be able to fight the haranguing and accessing fees. I paid my last statement in XXXX. XXXX XXXX is accessing fees on fees. It is very difficult to hold a conversation with the customer service team. I have paid for all items purchased. When I tried to explain the issues they weren't interested in hearing me out and they could not account for when or what item they accessed the {$120.00} fee over. In a state like CT I am almost certain, XXXX XXXX  Citi Bank, cant access Fees on Fees. No merchandize is involved. 

Step 3 : What happened? 

When I tried to explain the circumstance they dismissed by explanation. They are not real time or interoperable. They were just belligerent and unable to explain why they accessed what they accessed. This has been ongoing since XXXX XX/XX/2018. 

Step 4 : What company is this complaint about? 

XXXX XXXX  Citi Bank Credit Card XXXX XXXX XXXX XXXX Step 5 : Who are the people involved? 

XXXX XXXX Citi Bank Card Vs. XXXX XXXX
Consumer complaint received 2018-12-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAROLINA FINANCE, LLC (NC)

On XX/XX/2018 my car was repossessed due to non payment. I was notified of a returned payment the day before ( XX/XX/2018 ) and was told on XX/XX/2018 I had until XXXX XXXX  to make the payment in full or they were going to repossess my car. I made the payment in full over the weekend and the payment posted on the following Monday XX/XX/2018.They told me they had to install a tracking device on the car, because they had to repo the car. I feel that's extreme and unfair, I never hid the car for them to feel the need to install a GPS tracking device on the car. The finance company did not release my car until Monday XX/XX/2018, meanwhile marking the car as a repossession on my credit. 

When I asked about removing the repossession off my credit because the car is currently in my possession XXXX XXXX at my finance company told me, " no we're not removing it off, it is what it is, we had to pick the car up so it's a repo, deal with it ''. 

I don't want to have a repo on my credit if the car was released to me and in my possession. 

I received correspondence post dated on XX/XX/2018 on yesterday XX/XX/2018, informing me that my car was going to be put up for sale, meanwhile I already have it back and this letter came out after the payment had been paid, while having to wait 4 extra days to receive my car back. I missed 3 days of scheduled work due to not having my vehicle, especially after I corrected the missed payments.
Consumer complaint received 2024-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.
Consumer complaint received 2018-12-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (NV)

On XXXX. I called and said I wanted to voluntarily surrender my car due to high repair expenses and high payment, and moving out of state and car would not make the trip.i was sent a form to fill out and send back, did that 2 weeks later was told they couldnt except that form and had to do another ( no explaination as why ) filled out second one and mailed back. 2 weeks later was told couldnt except that one, filled out another and faxed back, finally excepted. Told them car had to be picked up by XX/XX/XXXX as house sold and was closing date, I had already left for a different state. XX/XX/XXXX was called by realtor told car was still there buyer wouldnt close if car wasnt moved, had friend go get and take to his house. Explained car could be picked up any day after 5. Kept getting calls saying they couldnt pick up they refused to listen to instructions, it seems as if they were trying to stall, they then sent me a notification they were repossessing the car and went right away and grabbed it without the keys, they now listed on my credit report as repossessed and just called a few days ago asking for keys, can explain better with more space, it was a long drawn out process with many many phone calls. I also wanted to turn it in because Wells Fargo kept adding amounts to my monthly payment and I could never get an explanation, Id pay my payment and the next month Id owe a 100 more than payment and this went on until I was notified if my past due balance wasnt paid they would take action, my experience with Wells Fargo has been a serious nightmare
Consumer complaint received 2024-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.
Consumer complaint received 2024-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.
Consumer complaint received 2018-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

I am currently a XXXX  and have been for XXXX  years, also a veteran. I received an update the week of XX/XX/XXXX and saw that my payment went from {$170.00} to over {$400.00} a month while I'm in the loan forgiveness program. My income for last year went down and nothing else has changed and having no understanding of why this was so much. I was told that I did not fill out the application correctly and then went back in and did just what I was told to do. On XX/XX/XXXX, I was told that they would not accept my application after I was told to do what they told me to do. I have had enough of this and the scam of this program. I was under the impression when the whole idea of this program was to eliminate this bill and all that this has been has been a huge headache. Every time I talked to someone at Navient they say that they are following the rules that have been set by Congress and they have no control over the program. I want this fixed. I have no problem paying the proper amount however this seems to be a huge scam because I have been paying on this bill since I graduated in XXXX. The account number is : XXXX.
Consumer complaint received 2018-12-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Consumer Financial Protection Bureau, I need your help and would like to sign up as a part of the law suit against Navient Corporation for deceitful and illegal practices.

My loans ( Federal student ) were originally with XXXX XXXX, then Navient servicing took over. Payment amounts were automatically increased and I spoke with representatives and requested a lower payment several times. They refused to accept an affordable payment. 
I am an XXXX  who graduated and have been working in the XXXX field for over twenty years now. The original amount of loans were {$25000.00} ( twenty five thousand dollars ) and I believe that Navient has now increased this  amount trifold. I can not afford to pay the amount that Navient is insisting as a monthly payment of {$1600.00} ( one thousand six hundred dollars ). 
I have pleaded with them and they are not willing to try and help me get into other payment plans. They have said that I do not qualify for any plans, yet I continue to work for a XXXX XXXX XXXX, in California. 
I am pleading with your agency as I am a victim of fraud and deception by Navient Corporation. They have ruined my credit and my ability to qualify for a loan forgiveness or any reasonable program that is available to me. I am in your mercy and pray that you will hear my plea. Please help me. Thank you for your time, Respectfully, an XXXX  who works with XXXX  who strives to make a difference in their lives.
Consumer complaint received 2018-12-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (WI)

I have had THE most worst problem trying have the loan people help figure out how to work out something REASONABLE for my situation and in the meantime the interest rates have way, way more than quadrupled my original student loan and also in the meantime i had medical issues that prevented me from being able to work for quite some time and had to move as well. These issues were overwhelming enough without the student loan matter. I just felt I was going around in circles with the {$5.00} over a 6 or 9 month period of time where the interest, as you already know, was still compounding ... ... Please, please is there anything or anyone that can help me???? I have been so afraid to even open my mail when I see who it is from and I do know that does not help matters one single bit. I am just so miserably, miserably scared and overwhelmed with this!!! This has been weighing so so heavily on my shoulders since 2010. AND on top of it, i didn't know that there were not only one BUT two lenders  involved in this : NELNET and XXXX XXXX. I am not stupid but in my opinion, i feel the way the whole student loan process is worked is just a bit shady.
Consumer complaint received 2018-12-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

I have attempted to close my PayPal account via online help, telephonic customer service and email. PayPal insists, before they will close my account, that I first provide more personal information that I am comfortable providing. Additional information requested includes photo ID ( e.g., Drivers License ), billing statements, proof of address, and allowance to make small charges on my associated credit cards. As this is personal information that was not required to open the account, I do not wish to be held hostage for such information to close the account. They suggest I leave the account open, but I am concerned that leaving such an account open that I no longer wish to use subjects me to undue exposure to fraudulent use of the account. Additionally, I am uncomfortable providing a third party with information that can further expose my personal information ( e.g., Drivers License number ) to hacking and fraudulent access.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2018-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (NC)

In XX/XX/XXXX I obtained a mortgage from Suntrust. The loan balance to home value in XX/XX/XXXX has reached 78 % as of XX/XX/XXXX ( XX/XX/XXXX payment ). My understanding is that the PMI would automatically be dropped. It was not as of my XX/XX/XXXX bill. I made a request to confirm PMI removal in XX/XX/XXXX.. Never got a response.I called Customer 'Service ' and was told that if I made any additional principal payments it would change the date PMI could be dropped THEN I was told that XXXX XXXX would still require an appraisal before they would allow PMI to be dropped. It seems to me that it is not 'automatic ' first if I must make a written request and then that XXXX XXXX would require an appraisal ... ... ... ... ... .exactly what is " automatic '' about that? I have no documentation as to who exactly is requiring the appraisal ( or anything else about how XXXX XXXX will receive the information and what exactly they do when they have it including time frame ) I only have the comment from the customer service rep. I do not know what the legal requirements are or where to find them. I do not want to go on paying almost {$60.00} per month if I do not have to and am really disgusted with the lack of clear and timely information in writing ... ... ... .what is really legally required?
Consumer complaint received 2018-12-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (ID)

i received a TPD in XX/XX/XXXX which paid off my federal loans with navient but left my private loans outstanding. there is no place on the navient website to email them about the issue of getting my private loans discharged and every time i call them i get the runaround. 

plus my wife and i filed a chapter XXXX bankruptcy in XX/XX/XXXX that should have included the navient private loans, but our attorney failed to include them. he was under the belief that they could not be included. we provided him with the documentation for the loans but he did not add them. 

my private loans have been incurring interest and past due amounts keep building against the original loans but have not received any type of notice for their status. i did receive an email in XX/XX/XXXX that had me link to a location in navient to let them know that my loans should have been included in our bankruptcy but again there was no email address to respond to. i can only assume that we have been added to one of the lawsuits that are pending. 

there is simply no way of contacting them about the TPD ( but they should already know this since XXXX paid off my federal consolidation loans ) ; i did call the general account line back in XX/XX/XXXX and was told about using the TPD form, but the person on the line would not listen to me when i told them that i had already applied for and was approved. they told me that my account was in a hold status ( probably because of the bankruptcy and pending lawsuits ) and that if i pursued any type of arrangement regarding my private loans, that they would be taken off hold and put them in immediate repayment. so i told them to just leave them in the hold status and i would wait to see what comes of the lawsuits.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hello, My name is XXXX XXXX XXXX, XXXX. I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which is in XXXX XXXX XXXX I am writing this complaint as a Notice of a request for material disclosures, which were not delivered to XXXX XXXX XXXX, Consumer. This information was omitted, and is now being requested. I, XXXX XXXX XXXX, Consumer, am requesting a copy of the SSA-89 form that was used to verify the identity of XXXX XXXX XXXX XXXX XXXX XXXX, is furnishing inaccurate information onto the consumer reports of XXXX XXXX XXXX, severely oppressing and harming the financial reputation of said Consumer.
Consumer complaint received 2018-12-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (OH)

The XXXX was on contract with my insurance to provide maintenance at no charge to me and only accept what the hmo paid. I had a XXXX XXXX problem ( my XXXX  were painfully loose and leaning every morning ) they submitted as a routine XXXX clean instead of medical. My insurance sent me a letter explaining I am not responsible for their error and I owed nothing. I then received a collection letter and responded immediately. I faxed the insurance verification that I owe no money. XXXX XXXX thanked me for the fax and said they would take care of it. The next morning, the collection was on my credit report They didn't even wait the 30 days the collection letter allowed to resolve the matter. Suddenly a collection was on my account. I received a letter last week from choice recovery verifying I saw the dentist. That was not the issue. The issue was the responsive party for payment. I called and they ignored my call. I can't ignore this because I started applying for a usrda loan 2 days before this occurred. I have documents to upload to verify.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 12th requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX