davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2017-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C. (CA)

I would like to file a complain against XXXX who provided me a TV/internet service in XX/XX/XXXX. They are collecting me XXXX dollar amount for the payment of the equipment that they use for the service. All this equipment was mailed back to them after the service was terminated. i disputed this already with their company in XX/XX/XXXX when I question them this amount. I even spoke to the supervisor and they said they will correct it on their end. I can not provide the mail receipt of this claim since its been a long time.But the collection company Trident Asset Company is the one collecting this amount from me. I already spoke to one of their staff that I disputed this and they submitted this to XXXX which shows on my credit report.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION (MI)

I have been turned over to a debt collection agency because the bank says I owe them {$1100.00}. This is not possible becausue I did not have checks to the account and it was set up so that if the money was not there I could not use the debit card.
Consumer complaint received 2016-12-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NY)

Despite my efforts to keep a substantial amount of available funds in my checking account on a daily basis, TD Bank continues to implement different techniques from within their policies and procedures to justify the overdraft fees being charged to my account. Over the past 2 days, my checking account has been debited {$70.00} in overdraft charges, despite having the available funds to cover all of my purchases and opting out of their Debit Card Advance program. My account balance has never went under {$0.00} since its inception, however TD Banks policies on overdraft charges does not require an account balance to go under {$0.00}. They have designed overdraft policies that allow for them to charge {$35.00} on checking accounts with sufficient balances. Attached is a record of my transaction history which proves that my account balance has always been sufficient when the fees were charged. The overdraft policy implemented by TD Bank has been designed to use the policy against the customer for the banks financial gain as opposed to the policy creating ways to benefit the customer during times of financial hardship
Consumer complaint received 2016-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (NJ)

I had a XXXX XXXX Plan for my XXXX XXXX, XXXX. However, after XXXX been mistreated by the veterinary. I contacted XXXX by email with a letter ( see below ). The statement was ignored and they continue sending reminders regarding payment. Sadly, my XXXX got worst. She could n't XXXX and in pain. With my broken heart, I got her cremated, on XXXX XXXX, 2016. It has been very hurtful not have her and for XXXX XXXX Hospital continue to collect payment. 


XXXX XXXX, 2016 XXXX XXXX Hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : XXXX Client ID # XXXX On XXXX XXXX, 2016, my XXXX XXXX XXXX XXXX was at the XXXX Hospital XXXX XXXX XXXX NJ for a nail problem. In addition, she received the XXXX XXXX XXXX. Painfully right after she was not herself. XXXX was having XXXX XXXX and with no energy. 

Due to her illness, I brought her back to see the veterinary on XXXX XXXX. I had to upgrade my plan since he performed multiple testing 's. I was told nothing was found that I should consider consulting a XXXX. He also provided a prescription. She was not getting better and continue having the same symptoms. Therefore, she was back at XXXX on XXXX XXXX. Basically, I was told the same and went home with multiples prescriptions. 

XXXX still was not herself. Therefore, on XXXX XXXX, I took her to XXXX XXXX Hospital her prior veterinary. I called XXXX and requested all her medical records to be fax. She had XXXX and was very fragile. However, after the examination was very clear the reason of her illness. It was due to the XXXX. 

I was not provided with the client information sheet for the XXXX XXXX neither was told of the medical reactions. In addition, XXXX is XXXX XXXX XXXX and should not got the XXXX XXXX. However, I had trust on the XXXX XXXX Hospital veterinaries. 

For that reason, I am requesting the immediately cancelation of my plan with no comprising fees and a reimbursement for the total amount of {$920.00}. Enclosed are copies of all documentation. 

I look forward to your response and a resolution to my problem. I will interval until XXXX XXXX before seeking help from the NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX for Veterinary.
Consumer complaint received 2016-12-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (AL)

Hello, I am a customer of Wells Fargo. I had XXXX accounts with them. I opened a second checking account with them when I found it would work better for my family. When moved over to that account, I was suddenly hit with a ton of overdraft charges in the other account. I wrote an e-mail to them, and the account was closed. I thought that was the end of business with that account because it was all fees that over-drafted the account. So, I moved money to my savings account the other day. It was automatically taken out to pay for the other account. I never received any documentation saying I owed them money, and I counted on that money in the saving account to pay my property taxes. I just think closing that account and not telling me that I still owed them money was wrong. I have legal insurance and will seek help from an attorney. They should have at least sent me a bill. What they did was wrong and unthinkable. As I said, a simple bill would have sufficed. I will try to move all of my accounts from that bank. I thought they were over the bad practices, and I was wrong.
Consumer complaint received 2016-12-23
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (MA)

Bluebird my American Express I dined at a restaurant after a company function. After I noticed there were XXXX charges on my account, XXXX for the restaurant and another XXXX. charge that I did not authorize. After XXXX days it was on hold and I contacted American Express. They stated it was a hotel and the policy was to hold it for XXXX days. I explained it was not at a hotel it was at a restaurant in the mall at XXXX place in XXXX. I contacted the restaurant and they stated it the charges cleared and the file charge is just a hold and should have fallen off. They gave me the authorization codes to give American Express to clear them. After talking on American express they refused to do anything about it stating the system is automated and there is no way to clear the charges. They refused to do anything to assist even after providing the authorization codes and even still after the hotel said they should not have a hold on the funds. They person on the phone continued on stating that even though I did not authorize the charge, because they have my credit card number, they are freely at will to process charges against my card with no authorization and the fraud department ca n't clear them because I did give them my card at some point. Neither the restaurant, nor American Express state they will A : Authorize charges without the consumers authorization, and B : Will hold excess funds for XXXX for dining at a restaurant.
Consumer complaint received 2016-05-12
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY (FL)

I took out a Wells Fargo " Home Rebate '' credit card to help supplement the payments to my mortgage with Wells Fargo. Their product description can be summarized in this way : Purchasing goods/services with the credit card will automatically add " points '' and said points will be converted into dollars that are deducted automatically from the principle of your mortgage. The product worked as described. HOWEVER : In less than 6 months, Wells Fargo sold my mortgage, rendering the card useless to me. 

Then, without consulting me or without gaining my permission - they simply changed the type of credit card I had. I went to a local branch and was told " There is nothing you can do about it '' - Basically the company scammed me by letting me take out the card and then as soon as I had a significant balance on it sold my mortgage to avoid me saving hundreds if not thousands of dollars through use of the card over time.
Consumer complaint received 2016-11-18
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUN WEST MORTGAGE COMPANY, INC. (VA)

Sunwest Mortgage has maliciously reported my mortgage account incorrectly. This act was premeditated and vindictive. Because I am enrolled with all XXXX major credit bureaus, I have the date ( proof ) archived. When I disputed the data, Sunwest refused to correct even after I disputed numerous times with them directly and the XXXX reporting credit bureaus. I got the VA involved and the issue first issue was mitigated the next day. XXXX is directly responsible for the fraudulent reporting of a federally insured VA mortgage which is a felony. She has done this malicious and fraudulent act XXXX separate times and she honestly thinks she is not only above the law but immune to prosecution.
Consumer complaint received 2016-12-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

USAA denied our fraud claim where transfers of XXXX or less was moved out of our accounts. Denied claim due to the transfers occurred with log-in of husband and did n't trigger any red-flags in their safety/security system. We were robbed and they are not giving us back any of our money and making us pay the over-draft that was taken when money withdrawn above the amount in the account originally.
Consumer complaint received 2017-01-26
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (TX)

I have had XXXX different accounts with with Navy Federal. With each account they charge outrageous and excessive fees for their OOPS feature for checking account. They restricted access to the XXXX accounts that I have had that they closed without notice to me. Even when visiting a local branch I was denied access to statements and transaction history. The fees range anywhere from {$20.00} to {$60.00} at a time. After paying accounts in full and establishing new account, they still restricted access to many features that are included with the account. I have no problem paying the accounts with bringing them into good status but what I do not agree with is paying {$20.00} to {$60.00} on transactions they authorized. I find it deceptive and a way to take more money out of the consumers pocket. I ask that the CFPB look into this business practice. Also the threat of closing accounts or closing accounts entirely before the 30 day ( 60days in most instances ) without notice or allowing consumer to bring the account into positive standing is unlawful. 

My other concern is there unethical and discriminatory lending practices and discriminatory practice in how they approve members for their credit cards. Each denial stated that I would receive notice as to why was denied and how I could ask for reconsideration. I have yet to receive any notices from Navy Federal since I first applied in XX/XX/2016. I was told over the phone to wait a month and reapply and I would get approved. I waited a month and still got denied. Still did n't receive a denial notice in the mail. For the most part Navy Federal is not bad but some of their business practices are shady and take advantage of the individual consumer who has invested in shares in this institution. Some of their practices are very predatory and make it virtually impossible for consumers to bring account in red back to black
Consumer complaint received 2016-05-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MD)

I have a XXXX and XXXX mortgage with Citi Bank. Citi did modify my XXXX mortgage but the department that handles the XXXX has been asking for the same document over and over again since XX/XX/XXXX 
I do and have sent what is required but they say the do n't understand how to read it. Once they received all of the appropriate paperwork I have received a paper stating that all papers were collected and application was compete and I would know decision by XX/XX/XXXX or XX/XX/XXXX, than that date passed, than XXXX for XX/XX/XXXX that passed, than XX/XX/XXXX and that passed. Here is XX/XX/XXXX and they still do n't have a decision yet. During this time I received a letter stating I had a new specialist assigned. Who is never available during regular business hours. I receive calls from Citi at night while I am working and have discussed this with my specialist that I work nights. If I am able to answer they hand up. I am again getting to the point where all my paperwork will be outdated so I will have to go through the whole process again from the beginning for the 3rd time. 
XXXX
Consumer complaint received 2016-12-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (VA)

XX/XX/XXXX, I requested forbearance until XX/XX/2016 because my loans were being consolidated. At the time, I was not aware that I had XXXX private loans from navient, who failed to mention this in the many conversations that went on between myself and the operators. I also hold my guardian responsible, because she failed to tell me that she used my information to apply for these loans to get keep me at school. They failed to mention that from the moment I received the loans that interest was building on them, even while I was in school. Although I do pay my loans, Navient has done nothing but make my life stressful. Since then I have been lied to and harassed regarding my private loans. In XX/XX/XXXX I made three payments to the company, XX/XX/XXXX for {$350.00}, XX/XX/XXXX for {$270.00}, and XXXX for {$270.00}. Despite making several payments, I have since been harassed about late payments. I have had to speak to XXXX escalated account managers and each time a new piece of information is revealed.One of the managers even tried to pry into my personal life regarding myself and the cosigners relationship and even after I would not tell her anything she continued to pry and I had to disconnect the call. It seems like the company is purposely neglecting to change my account status as I receive at least six calls a day from different numbers telling my my account is past due. I have requested this be fixed twice already and it has not been done. I consolidated my federal loans and I am being told that I still owe on those. The payments I made went to federal loans, and instead of someone looking into this, they call me to tell I still owe money, despite my account showing that I paid. I had to request management so that someone could take a further look. I received a letter stating that I overpaid and even after that, I still am receiving calls that I have late payments due. I received a check for the over payment, despite telling the escalation manager that I would like the money to go to the next month balance. Navient has been extremely unprofessional, careless and neglectful in this entire process. On the eighth, i received a letter that my account is Delinquent. My next payment is not due until XX/XX/XXXX, which was to be paid with the over payment check I now possess. I fell powerless in this process and all they continue to do is take my money!! I ahve tried to resolve these matters several time directly with navient but it is not working. I dread the calls. I work at night and my phone is ringing constantly while I am trying to sleep. I have a family and so I keep my ringer loud in the event one of my children need assistance or there is an emergency. However, Navient constantly calls my phone disrupting my sleep and my life! This company is terrible and needs to dismantled!
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (CA)

In accordance with the Fair Credit Reporting Act, This Creditor has violated my rights. Under 15 USC 1681 sec 602 states : I have the right to privacy. 15 USC 1681 sec 604 ( a ) sec 2 states : A consumer reporting agency can not furnish an account without my written instructions. Furthermore, 15 USC 1666 ( b ) states : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Consumer complaint received 2017-01-26
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

This is a follow-up complaint to Case number : XXXX. 

On XX/XX/XXXX, I submitted the above referenced case. I provided back-up documentation. The company responded that they would no longer contact me on my work telephone number, yet today, at XXXX I received an debt collection call from Rash XXXX at caller ID number XXXX. I heard a recorded message that it was an urgent business matter for myself and then I was placed on an indefinite hold. 

From my previous complaint : I received a phone call on my direct line at my place of employment on XXXX at which time I sent them a letter via fax and USPS to cease and desist contacting me at my place of employment during my work hours. I have continued to receieve phone calls : XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX I have sent them 4 notices, all faxed and then sent by standard USPS delivery. 

On XXXX I spoke to a woman named XXXX who verified that they had received my communications and was unsure why I was continuing to get calls. She was going to contact their IT department. 

The company submitted a response : Good Morning, Per XXXX request, our auditing department reviewed his account today. All numbers in the complaint had been removed and the file was noted that no calls are to be placed to his place of employment. One number, XXXX was located in another file in our office under a different individual 's name. This could explain why calls were placed to that number even though the number in XXXX account had been removed. Effective today that number was removed from the other file as well, and was noted that no calls are to be made to the place of employment. RCA has placed both numbers in our " Do Not Call '' data base. 

They have not ceased this illegal collection activity as of today, XX/XX/XXXX. This will be their 6th written notice to cease and desist. ( I will note that all of the calls were placed to my direct inward dial line at work XXXX and not the XXXX that they reference above. Phone systems logs are available to corroborate if needed. ) I request the the Consumer Financial Protection Board take enforcement action against Rash Curtis for their ongoing and blatant disregard for the law.
Consumer complaint received 2016-12-09
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Continental Finance Company, LLC (NY)

I filed a complaint about my Verve credit card backed by continental finance on XX/XX/2016, complaint number XXXX. I filed the complaint because I had provided documentation supporting my fraud complaint to them directly. I reported my card stolen to them, provided the police report, and my letter of incarceration, as well as the affidavit of fraud that they requested I fill out and return. They had removed a good deal of the charges but were still trying to get me to pay {$230.00} before re-issuing me a card and stated that these were late fees. I called to check the status of my fraud complaint and they ( continental ) informed me that the account had been closed and sold into collections ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I am beyond upset about this!!!! I feel like they are giving me the run around and sold the account to avoid resolution. I only held off on filing a complaint sooner because they acted as if they were handling this. I refuse to pay a dime, I wanted my card back!!! that had a XXXX balance at the time I XXXX ... .absolutely sick about this, hours and hours and hours spent on the phone for nothing Continental Finance XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

citi mortage continues to harass me. I previously filed a complaint about citi mortgage calling me 2 days in a row even after I made a payment arrangement today XXXX/XXXX/2016 I call in to citi mortgage at XXXX and made my mortgage payment after my payment was made citi mortgage called me at XXXX XXXX XXXX XXXX and XXXX .. again all of these calls were made AFTER I made my payment. I have a call log to show proof of these harassing calls.. citi mortgage continues to subject me to harassing phone calls and I am sick of it.. a cease and desist letter is NOT the proper way to handle this issues.. CITI mortgage needs to update their dialer system to make sure that a customer is not harassed after a payment is made and their account is current .. this is absolutely ridiculous
Consumer complaint received 2024-10-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NH)

I have an account with Coinbase. Coinbase is a cryptocurrency centralized exchange for United States Customers. I have my personal finances in their platform invested in volatile assets. On XX/XX/year>, I got a new cell phone from my Insurance Provider to replace an old phone. Since this new phone has a new XXXX XXXX, Coinbase detected it to be suspicious, and now has locked my account for XXXX hours and I wont be able to use my funds until the following business week. I have done nothing illegal, I have deposited to Coinbase with legal and cleared funds. I do not believe Coinbase has the right to block my access to my finances because I got a new cell phone. This is unacceptable. I am being punished because I worked hard to upgrade to a new cell phone and now I cant use my finances.