davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-19
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XXXX XXXX, 2016 I noticed an un-authorized withdrawal from my business account with Bank of America. The payment was made to XXXX for the amount of {$1100.00} dollars. I notified Bank of America immediately and was issued a temporary credit to my account on XXXX XXXX, 2016. On XXXX XXXX, 2016 I saw another charge paid for the same amount mentioned above for {$1100.00} dollars. I do n't know why Bank of America did not conduct an investigation and protect my account against this fraud after my initial complaint. This unauthorized payment resulted in an overdraft and fees. I did not sign a contract with XXXX, nor did I engage in any self-service activity with XXXX.
Consumer complaint received 2016-11-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank manipulated my account in order to force fees. They placed holds on checks and promised to refund fees related to those holds. They returned payments that should have been good, costing me money with my creditor and showing late payments on my credit report. Additionally, after they learned I intended to get a lawyer, they did n't remove the fees they promised to remove, they did n't properly initiate chargebacks, and they left my account at a negative balance. The following charges should not be on my account : XXXX/XXXX/2016 FEE OVERDRAFT {$170.00} XXXX/XXXX/2016 FEE OVERDRAFT {$70.00} XXXX/XXXX/2016 DEBIT VISA XXXX XXXX XXXX {$99.00} ( Not only was this charge unauthorized, their site advertises a 100 % money back guarantee. TD Bank has refused to initiate a chargeback and.or decided in their favor when I never authorized this charge ) XXXX/XXXX/2016 DEBIT VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} ( Not only was this charge unauthorized, their site advertises a 100 % money back guarantee. TD Bank has refused to initiate a chargeback and.or decided in their favor when I never authorized this charge ) XXXX/XXXX/2016 FEE OVERDRAFT {$70.00} XXXX/XXXX/2016 FEE OVERDRAFT {$35.00} XXXX/XXXX/2016 DEBIT CARD VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$78.00} ( unauthorized ) I have screenshot text messages where they agreed to remove all fees and this never happened. Once I had to bring a lawyer into it, they did n't initiate the chargebacks after someone got a hold of my card number. They 're being vengeful instead of professional.
Consumer complaint received 2019-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

On XX/XX/XXXX, I created my account with XXXX   Servicing, and I uploaded all of my Employment Certification forms for the Public Service Student Loan Forgiveness program. I received notice that all of my forms were received on XX/XX/XXXX. I called the customer support line shortly after my account was set up to check in that all of my Employment Certification forms  were correctly received and to see how long the review normally takes. At first, I was told it may be 6 months, but no communication was sent to me telling me that the review of my student loans was in process or any timeline for how long I can typically expect to wait. I called again in XXXX of XXXX to see if the review was starting and if I would see an update on my qualifying payments anytime soon. I wasn't told anything specific, just that the review hadn't started and that I would get some kind of written communication if anything else was required. I called again in XX/XX/XXXX, and again, I was told to call back in 30 days to see if the review had started. I called again in XX/XX/XXXX and was told that nowhere was there any written guideline of how long the review takes. I was told it could take up to a year, but that there was no timeline. I asked to have my case escalated, because I thought this was pretty poor customer service, but I suspect I was then just put back into holding queue because the person I spoke to next was another customer service rep who told me there was no timeline for their review. 

I believe XXXX servicing should be more transparent with their process and where loan forgiveness applicants are in the process. These are not petty annoyances that I'm not getting answers about. Whether I get this loan forgiveness determines if I can afford to buy a house in three years. It determines whether I look for another job outside of the non-profit sector in a year. Whether I get loan forgiveness also determines my personal professional development budget, how much I can afford to save for my wedding, and what kind of career opportunities I will entertain because I have to stay in the non-profit sector. Conversely, if I'm denied PSLF, I need to know now if I should pursue a different career and how I need to alter my budgets/plans and take on additional jobs so that I can continue building towards my financial goals. 

What I've witnessed in XXXX Servicing customer service is a lack of any clarity in policies and procedures, which cascades to uncertainty about my participation in the economy.
Consumer complaint received 2019-05-21
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I began struggling to keep up on my mortgage in XXXX due to temp financial loss. I doubled up on my late payments twice to become current, but could not keep up. I spoke with the Mr. Cooper in XXXX regarding the options they notified me of having, ie : repayment plan, modification etc. They said at that time I was not eligible for anything. I did go ahead and apply for modification and they denied me. I spoke with them again in XXXX. The notice I received said nothing of being eligible for forbearance, only short sale etc. I will attached the notices. Every time I have called I have gotten the run around and basically just informed there's nothing they can do to help me make up the late payments which at the time were under 10K. They sent in into foreclosure only a few months of being behind, and would not work with me on anything. They then sent me another notice XX/XX/19 when the auction is scheduled for XX/XX/19 saying call us to discuss options, which I did, and and they said there's nothing they can do to help me, again. I just spent 1.5 hours with them on the phone right now with regard to delaying the auction so I can come up with the money, they notified me that a request was already submitted for that on XX/XX/19, and that it was denied because it was more than 7 days from the auction date. I did not submit this request, they did. They did not get my approval, and I assume they would have known it would be denied being more than 7 days from the auction date because they are aware of the policy, and that it would result in my being unable to request this within the 7 day time period. I requested it be done again and was informed I can not request it a second time, when I did not request it the first time. All I have received is a run a around and long holds, along with letters saying to call them so explore options only to be denied on everything each time I did.
Consumer complaint received 2016-11-04
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Simon's Agency, Inc. (NJ)

At XXXX I received a call from a woman at Simon 's Agency Inc. based in XXXX, NY. She did not provide her name and said that the debt they were attempting to collect was for a doctor 's bill. When I pressed her for information on who was claiming the debt, she would not give it to me. I asked for a copy of the bill and she said she was not allowed to provide it. I asked her for contact information for the person claiming the debt and she would not provide it. When I got upset and questioned the legitimacy of her claim, she told me that if I did not change my attitude she would report it to the credit rating agencies. I called the hospital and XXXX billing services that the hospital recommended -- all said my bills were paid. I called back to Simon 's Agency and the gentlemen who answered the call, who also did not identify himself, said he could not provide any other information to me and said I should call my insurance company. He said that they would know who the debt was owed to. When I explained that I had a right to know who was claiming the debt, he said " seems like you are afraid to call your insurance company. ''
Consumer complaint received 2016-08-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Kimball, Tirey & St. John LLP (CA)

I rented and apartment notified I was moving out on XXXX 2012. 
My monthly rent was {$800.00} per month. 

I move up north with my family, I apply for work and was denied and Apply for School and was denied not sure way. 

I just received a letter from and attorney, they call constantly, harassing me. They say legal action will take place, if I do not make payments. 

I called the agency to ask way the balance is close to {$4000.00} when the rent I was paying was only {$800.00}. 

I know my balance may be about {$800.00} but the company refuse to clarified information, they say full balance will need to be pay. 
I am XXXX XXXX XXXX and I am trying to continued, school but not able to apply for fining. Company is damaging my credit. 
I was never informed or notified from property management that I had a balance. 

Please see attached support documents I have send to clarified the account.
Consumer complaint received 2016-11-04
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC. (TX)

Ally Financial ran my credit on XXXX and again on XXXX for an auto loan out of XXXX XXXX. I never gave them permission. My daughter was shopping for a car and the dealership ran my credit without my permission. I live in XXXX was n't even there.
Consumer complaint received 2017-07-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (GA)

The Lender has not correctly calculated the debt. The Lender is trying to foreclose on a debt that is false, and inaccurate. This is a violation of the Fair Debt Collection Practices Act. In addition, the misstated debt is incorrect as far back as 2006. The interest paid in 2006 XXXX- statements is misstated. Thus the current debt is off by many thousands of dollars. See the Certified Mail sent to Shellpoint Mortgage Servicing, as attached.
Consumer complaint received 2016-11-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MI)

on or around XXXX XXXX, 2016, I CONTACTED CITI CARDS AUTOMATED SYSTEM TO MAKE A PAYMENT, BUT THEIR AUTOMATED SYSTEM REFUSED MY CHECKING ACCOUNT INFORMATION AND CONTINUED TO DO SO, DESPITE HAVING TO CALL BACK SEVERAL TIMES AND INPUTTING THE CORRECT INFORMATION AGAIN AND AGAIN. I FORCEDTO SPEAK DIRECTLY WITH A CUSTOMER SERVICE REP., IN ORDER TO MAKE A PAYMENT, EXPOSING MY PERSONAL ACCOUNT INFORMATION. THE REP ENTERED INTO THE SYSTEM, THE WRONG CHECKING ACCOUNT INFORMATION AND CAUSED SEVERAL FINANCIAL ISSUES INCLUDING BUT NOT LIMITED TO A REFUND OF THE PAYMENT OF {$35.00} ; A RETURN CHECK FEE OF {$27.00}, ; INTEREST OF {$23.00} ; AND THE COST AND TIME OF CONTACTING THE COMPANY ABOUT ALL THE COST INCURRED. I SPOKE TO A SUPERVISOR, ON OR AROUND XX/XX/2016, AND HAD TO REQUEST THAT THE INTEREST AND FEES BE REFUNDED TO MY ACCOUNT DUE TO THE COMPANY 'S ERRORS. I WAS TOLD THAT THE FEES WOULD BE RETURNED TO MY ACCOUNT, HOWEVER SHE SAID I WOULD ONLY GET ONLY XXXX CENTS OF THE {$23.00} CHARGED IN INTEREST RETURNED TO ME. UPON ASKING HOW SHE CALCULATED ONLY XXXX CENTS WITHIN LESS THAN 2 MINUTE OF SPEAKING WITH ME, SHE LAUGHED AND SAID SHE HAD A CALCULATOR IN FRONT OF HER. I HAD TO REQUEST A CREDIT TO THE ACCOUNT COST FOR THE ERROR ; THE TROUBLE AND INCONVENIENCE AND ALL OTHER COST I SUFFERED FROM, SHE STATED SHE WOULD AND THAT SHE WROTE IT ON HER CALENDAR AND THAT SHE COULD NOT PUT IT INTO THE SYSTEM, BUT SHE REFUSED TO SAY ANY AMOUNT BEING REFUNDED. THERFORE ON AOR AROUND XX/XX/2016, I CALLED CITI CARDS FOR MY ACCOUNT BALANCE TO PAY OFF MY BALANCE, I WAS TOLD THAT THERE IS NO PAYMENT DUE. I WAS TOLD NOT TO MAKE A PAYMENT. THEREFORE, NO PAYMENT WAS MADE DESPITE WANTING MAKING A PAYMENT TO CLEAR MY ACCOUNT OF ANY AMOUNT POSSIBLY DUE. I WAS TOLD NO. ON OR AROUND XX/XX/2016, I JUST RECEIVED MY NEXT STATEMENT WITH NO CREDIT FOR THE TROUBLE, CALLS AND INCONVENIENCE OF WHAT I HAVE HAD TO INCUR PRIOR TO THIS STATEMENT. BUT, THE STATEMENT SHOWED AN INTEREST REFUND OF XXXX CENTS FROM CUSTOMER SERVICE ERROR .. ( NOT WHAT THE SUPERVISOR STATED ) AND NOT THE CORRECT INTEREST AMOUNT. IN ADDITION, I WAS CHARGED INTEREST OF XXXX CENTS OF A BALANCE OF {$23.00}. AN INTEREST CHARGE I NEVER SHOULD HAVE HAD TO INCUR HAD I BEEN GIVEN MY BALANCE ON XX/XX/2016, WHEN I CONTACTED CITI CARDS TO PAY OFF MY ACCOUNT BALANCE IN TOTAL. ONCE AGAIN I HAD TO CONTACT THE COMPANY AND SPENT OVER 40 MINUTES ON THE PHONE TO BE TOLD THAT I WOULD ONLY RECEIVE A CREDIT OF XXXX CENTS OF THE INTERESTED CHARGED ON THE NEW STATEMENT BALANCE AND FURTHERMORE, THAT THEY WILL NOT CREDIT MY ACCOUNT FOR THE MISCOMMUNICATION ON MY ACCOUNT, MISINFORMATION ABOUT MY ACCOUNT BALANCE, ERRORS, AND REFUSAL OF PAYMENT TO PAY OFF MY BALANCE, ALL DUE TO COMPANY ERROR.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

As outlined in the Fair Credit Reporting Act ( 15 USC 1681, section 602 ), there is a critical need to ensure that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. Equifax, XXXX, and XXXX are consumer reporting agencies, and as a consumer, I have the right to protect my private information from being shared, as supported by 15 USC 6801, which states that Congress has established that financial institutions have a continuous obligation to honor their customers ' privacy and safeguard the security and confidentiality of nonpublic personal information. 

XXXX XXXX XXXX, as a financial institution, falls under this definition. Additionally, 15 USC 1681, section 604 ( a ) ( 2 ) specifies that consumer reporting agencies may only furnish a consumer report under specific circumstances, primarily with the written consent of the consumer involved. Neither XXXX XXXX XXXX nor the consumer reporting agencies Equifax, XXXX, and XXXX have my consent to share this information, and I have not provided any written consent. Any previous consent given to Equifax, XXXX, or XXXX, or XXXX XXXX XXXX, whether verbal, written, implied, or otherwise, is hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) indicates that a financial institution can not disclose nonpublic personal information to unaffiliated third parties unless the consumer is informed about how to opt out of such disclosures. I was never informed of my right to exercise this nondisclosure option. Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from reporting certain adverse information that predates the report by more than XXXX years without proper authorization. This account is being reported as adverse information without my permission, which is unlawful. 

Moreover, according to 15 U.S. Code 1681s2 ( A ) ( 1 ), no person should furnish consumer information to any reporting agency if they know or reasonably believe that the information is inaccurate. According to 15 U.S. Code 1681e, every consumer reporting agency must maintain reasonable procedures to avoid violations of section 1681c and to limit consumer report furnishing to the purposes outlined in section 1681b. Clearly, Equifax, XXXXXXXX, and XXXX are not adhering to reasonable procedures. Lastly, as per 12 CFR 1016.7, consumers have the right to opt out at any time. Therefore, I am formally opting out of your reporting services.
Consumer complaint received 2016-12-12
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have been a Capital One card member in excellent standing since XXXX I never defaulted on my account nor was I ever late in sending my payments On XX/XX/XXXX I made an electronic ( ACH ) payment of {$500.00} from my business account to Capital One credit card account. The funds were deducted from my business accounts and were applied to my Capital One credit card account immediately. 
My balance due to Capital One was {$4500.00} ( out of {$5300.00} line of credit ) In other words I still had a " credit '' of {$790.00} available yet, a dinner transaction of {$39.00} was declined twice by Capital One. 
Capital One refuses to provide a written explanation as to the reason why they card was declined. 
This is not the first or the second or the third time over the last 16 years that Capital One does that to me. 
During XXXX back in XXXX, both my house and business had no electricity, phone service or Internet service, yet Capital One Credit refused to increase my line of credit by {$200.00} to allow me to purchase an emergency generator. Then too they refused to provide any written explanation as to why my request for small emergency increase in line of credit was not granted.
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX I was alerted by XXXX XXXX that I had XXXX inquiries added to my report. This dropped my credit score by XXXX points overnight. I had not applied to anything so not sure why XXXX inquiries were added to my report. I also have not been notified by Transunion in writing that these had been added back to my report per FRCA Section 611.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

MY NAME IS XXXX XXXX. I WAS CHECKING MY CREDIT AND FOUND OUT THERE ARE DIFFERENT ADDRESS LISTED. I HAVE NEVER LIVED IN XXXX, IL 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX 2 ) XXXX XXXX XXXX XXXX, IL XXXX 3 ) XXXX XXXX XXXX XXXX XXXX, IL XXXX ALSO I HAVE NEVER GONE BY THE NAME XXXX XXXX. I THINK IS THE WRONG PERSON OR THEY ARE USING MY IDENDITY. MY EMPLOYER INFORMATION IS NOT CORRECT.
Consumer complaint received 2016-11-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (TX)

I purchased some shop equipment from a company and never received anything in over a month so I disputed the charges on my card. They have not reversed the charges or credited my card yet. They keep saying they are investigating and it takes 60 days. I can not purchase new equipment because they have not reversed the fruadulant charge.
Consumer complaint received 2019-10-03
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. (GA)

Im a victim of fraud, I have fraudulent accounts and fraudulent addresses on my credit report that I dont recognize nor did I authorize!!!! Ive sent a identity theft affidavit along with docs verifying my identity and Ive called 5-10 times and counting and the three credit bureaus refuse to remove the fraudulent accounts and addresses on my credit report dispute the fact that I have provided all the documentation they requested!!!
Consumer complaint received 2016-08-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (FL)

A Loan Modification Package was submitted to SLS on XXXX/XXXX/2016 37 days prior to a scheduled sale date ( Here to attached ). SLS provided a missing documents letter request on XXXX/XXXX/2016 requesting Tax Returns. A XXXX Form was provided with the package and due to HAMP new streamlined guidelines Tax Returns are no longer required to be considered a complete package. On XXXX/XXXX/2016 the requested documents was sent in the form of a Letter of Explanation stating the borrower 's Non-Filing status ( Fax Confirmation and letter of explanation are hereto attached. ) Confirmation of receipt of the conditions was confirmed with a XXXX at extension XXXX. SLS denied the loan modification request on XXXX XXXX but the borrower 's legal representative did not receive the denial letter until XXXX XXXX, 2016. ( Here to attached. ) SLS did not provide a new request for missing documents nor did they allow the borrower the allotted time to provide such missing documents as required by HAMP Directives prior to denying the loan modification on XXXX/XXXX/2016. In fact SLS sent a letter Dated XXXX XXXX, 2016 received by the borrower 's legal representative on XXXX XXXX, 2016 requesting for the borrower to contact them to provide instructions on how to apply for a loan modification request when the loan modification request was already provided. SLS was diverting there responsibilities as required by HAMP Directives to forward the loan modification request to the new servicer. SLS never provided the borrower nor their legal representative of the servicing transfer rights. The new servicer XXXX XXXX XXXX provided a servicing transfer letter dated XXXX XXXX, 2016 stating the servicing transfer became effective on XX/XX/2016 ( Hereto Attached ). SLS continues to send mortgage statements after transferring effective date of XXXX XXXX, 2016 ( Hereto attached ). SLS denied the loan without proper justification, did not allow the borrower proper time to provide requested documentation as required by hamp directives and did not allow the borrower the right to appeal such decision. SLS did so as a diversion of it responsibilities to transfer the loan modification request to the new servicer as it new in advance of the servicing transfer prior to the denial.
Consumer complaint received 2016-11-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Capital Management Services, LP (GA)

This is the third time I am writing you about harassment from Capital Management Services. They have once again resorted to calling my cosigner at her place of work in intervals of less than thirty minutes claiming it 's an emergency. This is especially egregious because they denied doing so. My cosigner is a XXXX. Capital Management decided that since I was n't paying them quickly enough on my fixed income that they 'll do their best to get my cosigner fired. This harassment is ongoing. Please call XXXX XXXX XXXX in XXXX, GA to verify how many times they call daily because XXXX times when they submitted a response to this office, they knowingly lied. Why is a company openly allowed to spite taxpayers? Why is this company allowed to endanger children repeatedly by tying up the phone lines of the public elementary school my cosigner works at, when I can be reached? Will they ever face any type of punitive measures for harassment and pettiness or is that only reserved for working class individuals?