davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MN)

Dear Sir/Madam, I seek your assistance in dealing with Citibank US to obtain the {$400.00} promotion that I 've qualified, for which Citibank keeps throwing me in circles. Sometime XX/XX/XXXX/XX/XX/XXXX, I had applied to open a Citigold account with the Promotion code XXXX which offered {$400.00}, if the terms and conditions were met. I received a letter dated XX/XX/XXXX, indicating that Citi 's record indicate that I 've qualified for the offer but that I needed to provide my XXXX, upon which Citi will credit my account for the incentive. 
I 've spoken to Citibank representative numerous times to no success. Every time, it 's the same story that they will inquire further and lodge a complaint on my behalf. During my call with a Citi rep on XX/XX/XXXX, the rep indicated that Citi had received my XXXX on XX/XX/XXXX but no word on my {$400.00} yet. The rep indicated that I should hear back within XXXX hours but off course no communication from Citi. I called Citi again on XX/XX/XXXX and the same story again ( further inquiry and complaint ). For one last time I called Citi on XX/XX/XXXX and expressed my frustration. I mentioned that if I do not hear back from Citi by the XX/XX/XXXX that I 'll be lodging a complaint with the Consumer Financial Protection Bureau ( " CFPB '' ). Since, I have n't heard back as of today ( XX/XX/XXXX ), I was hoping CFPB would kindly assist me in obtaining my {$400.00}. One thing to note is that all the Reps that I 've spoken with were very sympathetic to my situation and were very professional as well. Unfortunately, their hands were tied as well. 

Having been a Compliance Officer at financial firms for the last decade, I understand the rules and regulations thoroughly and one thing for sure is that if something is advertised and/or promised, one should live up to their end of the bargain. I 've lived up to my end and satisfied the required terms and conditions but now I 'm being pushed around in circles by Citibank. 

Please kindly assist. Thank you.
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Requested an investigation with trans Union about some credit accounts and credit inquiries The credit inquiries were not authorized by me in any way The credit inquiries were not investigated and were not verified Therefore trans Union did not remove credit inquiries from my file as requested Negative information that is not accurate still remains on my file
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NJ)

I received at least two years ( not consecutively ) of not having to pay on my student loan due to personal hardships ( unemployment, caregiver, divorce ). While the forebearance did help me through my rough patches, my interest is considerably higher now.
Consumer complaint received 2016-06-18
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XXXX XXXX 2016 my ATM/Debit card was Lost or Stolen. I called Bank of America to report the card missing. The agent said the card would be blocked and a new card sent 7-10 days. I asked if I could obtain a temporary card to use from the local branch on XXXX, AZ XXXX. She said that temp cards were available. The next day on XXXX XXXX I visited the local branch to take out some cash and get a temp card. The agent that was assisting me said my missing card was not previously blocked. We blocked the card and I obtained a temp card. The next day my bank statement showed a {$5.00} fee billed to my account. It 's listed as " Replacement ATM or Debit Card Fee {$5.00} ''. I was never told during the times I spoke to Bank of America agents that I would have a fee. Charging a fee discourages me in the future from blocking a stolen card to try an avoid this fee. This is not fair and I believe violates my rights as a consumer to protect my funds, which I had just gotten paid. So the potential loss to me was great. For Bank of America it was an opportunity to make a profit. I did locate on their website this statement : Replacement ATM or Debit Card Fee {$5.00} per card Fee for each requested replacement of an ATM or debit card, including the replacement of debit sticker ( tag ) or other debit access device. The replacement fee does not apply when we replace a card upon its expiration. Bank of America Advantage ( R ) with Tiered Interest Checking Accounts, Bank of America Interest Checking ( R ) Accounts, Platinum Privileges ( R ) and Preferred Rewards customers qualify for a waiver of this fee. 
This nuisance fee takes advantage of people, like myself to protect my money from fraudsters and thieves. Please investigate this issue. Just because they have it listed in the fine print does n't mean it 's valid. Thank you.
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

My wife attended XXXX XXXX XXXX School in XXXX, CA from XXXX XXXX, XXXX to XXXX XXXX, XXXX. We were lead to believe that we needed to take private loans in order to pay for this " highly for profit " school education. We took out a loan from XXXX XXXX for {$38000.00} and got an addition of a {$2300.00} prepaid finance charge plus a {$6700.00} and {$2700.00} capitalized interest fee. We also took out a second loan to help pay for expenses while my wife was in school. The XXXX XXXX loan was originally for {$12000.00} which had the addition of a {$720.00} prepaid finance charge as well as a {$2300.00} and {$1100.00} capitalized interest fee. We took both of these loans and consolidated them with XXXX for a cheaper rate. Before the ink could completely dry with our loan XXXX, XXXX XXXX lured us back with just a slightly better rate. So we came back. But now with the interest from XXXX, the loan we took out from XXXX XXXX was for {$73000.00}. Since our first payment on XXXX XXXX, XXXX we have paid {$41000.00}. Of that amount {$32000.00} has been for interest ( {$1900.00} - capitalized interest ) with the small about of {$9300.00} being applied to the principal. Almost 10 years later and our loan of {$73000.00} is only down to {$63000.00}. It 's just not right. We feel like we 've been taken advantage of, lied to and ripped off. We find not only Navient and XXXX XXXX but XXXX XXXX XXXX to be at fault with their unscrupulous practices. Who knows where we might have been financially if not for the predatory ways. It 's caused great headaches and credit card debt and other consolidation loans all with the fear of not missing these student loan payments. We want them to pay for damages of stealing from us. For taking something that was manageable for us in the beginning and making it grow in to something that we feel like we will carry for decades.
Consumer complaint received 2017-01-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A. (GA)

Citi bank keeps telling me I have a balance on an old Best Buy card that i have not had in my possession in years. I keep telling them I will not pay for something until I see what the charges are and they refuse to acknowledge. I have gotten emails saying I have a balance but can not log into the account because I do not have the card. My current Best Buy account has always been current and they acknowledge that but still no one is helping me verify what they are trying to collect. They call the house over and over and I tying talking to them and got cut off after talking to someone who transferred me to fraud so the harassment still conintues.
Consumer complaint received 2016-11-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC (NV)

On XX/XX/2016 I sent National Recovery a certified letter asking them to verified this debt that is appearing on my credit report. As of XX/XX/XXXX, they have not responded to my request or mark my file that this item is being disputed.
Consumer complaint received 2017-01-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

I tried to get my consigner released Navient said I had to make payments for 12 months. 
I tried to lower my payments they told me only if my consigner could n't pay then I could maybe lower my payments. I sent my information over never got a lower payment. I also asked about the loan consolidation plan with my federal loans they told me it did n't count on private loans but I originally was told it did.
Consumer complaint received 2017-01-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

WELLS FARGO CROOKS. Back in XXXX 2016 I closed my Wells Fargo checking account online. I ve been waiting for my money since then. Even though I already filed a complaint here before ( case # XXXX ) and they sent me a letter saying they were going to do whatever necessary to solve the issue they still have n't done anything. They have failed to their promises three times to send me my money. I 'm glad I do n't bank with them anymore and I do n't not recommend them because they do n't act quickly when it comes to your money but if it 's their money they will fight with teeth and nails and lawyers til you pay the last dime. It is nasty that they can charge you penalties and late fees if you do n't pay something you owe to them but they will not pay interest or dividend on the money they have held from me illegally for the last 7 months. Ridiculous
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

I have had my private student loan through XXXX and then navient. They would constantly call my house and my grandfathers house stating I was delequent on loans even though when you talked to them they looked at your account they seen it was current. Also have only a XXXX loan the interest is so high that i have paid almost {$200.00} a month for 5 years and still none of the principle has decresed. I also have federal loans im paying i cant afford a this payment that does not do anything but pay interest to this company. I can not build a life like this im XXXX and still have nothing to my name because of this. This company been a nightmare.
Consumer complaint received 2017-03-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

This is my second request for " validation of debt '' in regards to this account. Why am I having to send a SECOND REQUEST? If you are confident enough in the accuracy of this account 's content to report it to the credit reporting agencies, why are you unable to honor my request in a timely manner? This is a simple request of validation that should be easily provided and not a refusal to pay. Would you just pay anybody just because they said you owed them? 

I work too hard for my money to just hand it away without sufficient proof that I am the correct debtor and am being billed the correct amount. The fact that it is taking so long for you to validate, makes me think that you are stalling due to not having proper documentation. I am formally and once again requesting a validation of the aforementioned debt. 
I would like to see : Copies of any signed documentation obligating me to pay this alleged debt. 
The name, address, and phone # of the original creditor, since you are a third party collection agency. 
Proof that you are authorized to collect this debt on behalf of the original creditor. 
A detailed history of ALL transactions on this account including but not limited to all payments, refunds, interest, fees, etc.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Pursuant to the FCRA ( Fair Credit Reporting Act ), it is the duty of EXPERIAN to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting XXXX inaccurate late payments for the XXXX XXXX XXXX account beginning in XXXX. This includes a 30 DAY late payment posted in XX/XX/XXXX ( SEE EXHIBITS XXXX, XXXX, & XXXX Attached ) and a 30 DAY late payment posted in XX/XX/XXXX ( SEE EXHIBITS XXXX, XXXX, & XXXX Attached ). This is incorrect and is supposed to be reported as PAID AS AGREED and or have a rating of OK. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of these inaccurate late payments have resulted in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to EXPERIAN via written letters to remove this inaccurate and false reporting of late payments on XXXX XX/XX/XXXX ( Certified Mail # XXXX ), XXXX XX/XX/XXXX ( Certified Mail # XXXX ), as well as a previous CFPB complaint on XXXX XX/XX/XXXX ( # XXXX ), however they have continued to ignore my requests. While XXXX ( SEE EXHIBITS XXXX, XXXX, & XXXX Attached ) has CORRECTLY reported this account on my consumer report, EXPERIAN has yet to update and remove these late payments from my consumer report ( SEE EXHIBIT XXXX, XXXX, & XXXX Attached ). XXXX has clearly verified the accuracy of my credit report while EXPERIAN only claims it has yet, there are still false and negative inaccuracies in my report. It is because of this inaccuracy that is causing my wife and myself an enormous amount of mental stress, anxiety, and pain. I fear that if these inaccurate late payments arent removed soon, that we will be homeless due to these negative and false reporting methods from EXPERIAN.
Consumer complaint received 2024-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AL)

I am writing to formally dispute the listing of the XXXX XXXX XXXX account on my credit report. According to my records, this account has been submitted for deletion by the creditor, yet it remains on my report. 

I request that you investigate this matter and delete the account immediately, as it does not reflect my current credit situation. I have attached any relevant documentation to support my claim. 

Please confirm the outcome of your investigation at your earliest convenience. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX and this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding the removal of these accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2016-11-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

We have been working and trying our hardest to modify our mortgage with SPS, it 's been nothing more than stress for us. We do n't talk with the same person, no one knows the same answer. You can call one minute and talk with someone get an answer, call back and get a completely different answer. We 've been trying since XX/XX/XXXX to modify our mortgage our interest rate is 7.5 %. Also the paperwork we need to fax, one person says it 's all complete then we get a letter saying missing information we fax, then they need another paper. So we have a customer rep that we ca n't get a hold of. It 's been exhausting we do n't want to lose our home we are trying but they just delay in reviewing our case. Why our mortgage was given to them, it 's been XXXX. Our mortgage is {$1100.00} we live in a twin home and have bad credit we are trying to work with them but they do n't seem to really care. I know the answer they will give as I 've seen the automatic response so all complains. Then we 're getting act XXXX letters, why are we getting them and foreclosure when we are in middle of modification, is n't it dual tracking. We just want results and save our home we 've had for 32 years.
Consumer complaint received 2016-07-20
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TX)

This is my third complaint against this company. After doing some more research on my situation I feel that I may be a victim of discrimination from the dealership I got my loan through. My state 's usury law states that any loan with interest over 18 % is a violation however, car dealerships can be exempt from this law if they have a license. So I would like to know why the dealership charged me 18.23 %? My last name is of XXXX XXXX origin spelled XXXX XXXX XXXX. Perhaps the dealership markup was due to my race? I want some answers. I have contacted the bank lender Santander Consumer USA and they told me it was within the rights of the dealership to markup the interest above the state legal limit. So, why did they do it? Do I have a case to take some legal action? If discrimination is n't the reason why the interest rate exceeds the state legal limit then what is the reason? Did this dealership have the proper license to markup the interest? Apparently, there is a special license needed by the dealership. I would like proof in writing. I have considered taking legal action against the lender because they should know the usury laws, so this bank and all banks should be held accountable even when dealerships markup the interest rate, and paying more close attention to minorities like myself to make sure their customers are n't being taken advantage of. I feel that I have been taken advantage of severely. I owe XXXX still on a car that was bought used and now only worth XXXX. I have a simple interest loan, so I am paying {$6.00} a day just in interest.
Consumer complaint received 2016-06-17
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CNG FINANCIAL CORPORATION (NC)

I called XXXX to request a statement of what I oaid to what I owed and the man I spoke to after XXXX ( I may have the name wrong, he put me on hold and then someone else returned ) told me that my last payment was returned for NSF, which could not be true, because it never showed pending on my statement, and if need be I can provide those, to show my beginning and ending ledger on that day. Anyways, I called for a statement of what I had paid and what I owed and he verbally told me over the phone and I requested it in writing because I was moving and looking to open up a new account and wanted the previous transactions for my records. Anyhow, he told me he couldnt do it and that maybe I should call back when I could make a payment instead of finding someone else to blame. First off, he was very rude, and I hope the calls ARE prerecorded, because what I was requesting did not warrant such an answer. Second, as a consumer, I know my rights. I told him I would be suing. They need to accept my payments as settlemeny for this debt because I will not be treated in such a manner, nor will I be denied information about my account. I 've been paying for months, its not like I havent been, so for this guys to be so rude and deny me my information so recklessly, I am apalled. I have worked collections, so I know the do 's and dont 's. Then, I am morr upset with check n go because when I called to verify that this third party was indeed who bought out my account I was told they didnt know and that I had to call another third party, who seemingly couldnt answer the phone. My request was simple, and he got an attitude so I got XXXX as well. I cant even get a statement because??? Not okay. Then he tellls me some other company is gon na pursue the account in other manners etc etc. Like chill, that had nothing to do with anything I was inquiring about, and using scare tactics?? No ... it wasnt even necessary.
Consumer complaint received 2024-09-26
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: LEXISNEXIS (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.