davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, 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. (AL)

XXXX XXXX ( ca n't remember exact date ) I called equifax for the 6th time this month to report that fraudulent activity was going on with my account. Somehow I kept getting inquires added to my account that I was not authorizing. I thought that maybe this could have been from the data breach that was going on. I have XXXX inquires that I did not authorize. After being on hold and hung up on numerous times I finally got one of the rudest people ever. I informed the rep that I had already reached out to most of the creditors and that all they told me was they would dispute but it would be best to call the credit bureaus to have them delete the inquires since it was affecting my credit score and because I did not authorize. The rep basically told me I was liar, made me feel stupid, belittled me, and would not transfer me to a different rep or management. He wouldnt even give me his name to make a complaint on him. I informed him all I wanted was all inquires deleted off my account because I NEVER made any of them and that my score drastically decreased because of it. I had never felt so belittled in my life. After listening to this rep make me feel like a complete XXXX and that I was doing something wrong I ask to speak to a manager this rep actually told me he refused to transfer me because I was a liar and no one could do anything for me. I never in my life felt the way this rep made me feel and it made me hate equifax for it. All I wanted was some unauthorized inquires deleted. That 's it!!
Consumer complaint received 2017-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (MI)

I saw that a collection showed up on my credit report from XXXX XXXX so I called the number on the credit report and asked them what was this {$410.00} debt that they put on my credit. They stated that it was a bill from XXXX XXXX from XX/2015 and I told them that i do not owe them anything and they stated that I did. I told them that I would be disputing this information. The very next business day, they call me at my place of employment. Now, at the time that I had went to XXXX, I had just been let go at my job so I was just trying to use my benefits by the end of the month so I could get anything covered that needed to be done. I went in for a XXXX XXXX and they told me that I had 5 XXXX and one might require a XXXX XXXX but they would try to save it. Please keep in mind that i had no XXXX since I was XXXX years old and I went to the XXXX faithfully. For this service, I had to pay my portion of {$670.00} and the rest was to be covered by insurance. I applied for XXXX XXXX and paid them {$670.00}. They supposedly saved my XXXX and gave me fill ins. Two months later, I started having sXXXX XXXX in my XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. XXXX called me stating that they had another portion of the bill that I needed to pay- something around {$120.00}. I explained to them that they did not fix the issue when I paid them the first time and that, now, I faced the dilemma of having to get a XXXX XXXX ( while then XXXX ) with no insurance, as I had only started a XXXX job at the time. I was very upset because I had to come out of alot more money after already paying them all of that money. The girl was supposed to talk to the XXXX about this. I never heard anything from them and then I get this collection almost 2 years later for almost 4 times the amount. I am very upset because I paid them for work that was unsatisfactory and they are trying to ruin my credit. Then, this company is calling my place of employment and finding information about me. I really need a resolution to this situation.
Consumer complaint received 2016-12-16
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (AZ)

I had a XXXX XXXX business card through Costco that was switched to Citibank this summer ( 2016 ). I received a letter alerting me of the switch ( sometime in XXXX? ) but never received a new card from Citibank or any other statements/notifications. In XXXX, I was contacted by XXXX, XXXX and XXXX who alerted me to a balance owed on the Citibank card. I had forgotten about a purchase during the transition and as soon as I was contacted paid the balance in full minus the fees from Citibank. I contacted Citibank to inquire why no card or statements had been sent to me and to ask for forgiveness regarding the fess considering the situation. I was informed that indeed no card or statements had been sent yet Citibank confirmed that they had all my current information. I faxed a letter of dispute to Citibank XXXX/XXXX/16 and followed up XXXX/XXXX/16 and was told they had not received my letter. I re-faxed XXXX/XXXX/16 and did not hear any response until I called Citibank XXXX/XXXX/16. I was then told my dispute had been denied and I owed a total of {$100.00} for late and interest fees. It took several calls and transfers to finally find someone who could help me as I was told multiple times I no longer had an account, nor could they find my account. Further, I have been denied knowledge of my account number making it very difficult and cumbersome to access my account each time I call. I am disappointed that Citibank had many opportunities to mail, email, or call me regarding my balance but instead sent me to collections. Because of this I feel the late and interest fees accrued should be removed. I have been informed that the account is now closed and the dispute team is the division that has the power to remove my charges. I have been denied by my first attempt and am sending in another fax today, XXXX/XXXX/16 to have it reviewed once again. Before this issue, I never missed a credit card payment to XXXX XXXX ( or other credit cards as well ). When I spoke with the collections representative she stated that many, many CostcoXXXX customers were experiencing the same situation as myself. Thank you.
Consumer complaint received 2017-10-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC. (CA)

To The XXXX XXXX XXXX. This content below outlines a complaint in which Ally banks utilization of the HARP2 program resulted in a devalued property, the loss of any equity and making the owner continue paying private mortgage insurance for the majority of the loan duration. 

Background : In XX/XX/XXXX I refinanced my mortgage under the HARP 2 program to shorten the length of the loan lower the interest rate and utilize the streamlined process where less supporting documentation was required Ally bank was the loan service provider during the refinance during the refinance process Owners of the mortgage : o XXXX XXXX/Ally bank : XX/XX/XXXX-XX/XX/XXXX ( loan No : XXXX ). 
Issues : 1 ) During the refinance using the HARP2 program, Ally bank undertook a property evaluation ( an IPV ) without my knowledge in which the property was not physically evaluated and the report was not included in the mortgage documents ( not in my copy and neither in the archived documents kept by XXXX XXXX [ current provider of the mortgage ] ). 
2 ) The refinance went through and only later when I enquired about dropping the PMI the scope of the issue became apparent. This assessment was {$210000.00} as opposed to the original value of {$380000.00} and my refinance had a loan to value ratio of 152 % and thus would be forced to pay PMI for the majority of the loan. Before the refinance my loan to value ratio was 88 % 3 ) I contested the appraisal and XXXX, the current owner of the mortgage investigated and could not find any documents about the appraisal and submitted request to reject the Ally bank appraisal. The review board rejected my request noting that they did in fact have an appraisal and provided me with their information. The information provided me ( see enclosed ) was not an appraisal. It only provided their appraisal figure and noting that it was a single dwelling condominium. 
4 ) I believe that the appraisal ( an IPV ) had some erroneous information leading to an inaccurate valuation. Property tax data lists the property at {$400.00}, XXXX. Further comparable properties within the same complex with the same number of bedrooms, bathrooms and pool have sold between $ 420,000- {$430000.00} ( see enclosed ). Comparable properties within the local vicinity ran from {$330000.00} to {$480000.00} ( see enclosed ).
Consumer complaint received 2017-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC (KY)

Paid {$450.00} in XXXX 2017. XXXX XXXX XXXX  still reporting negative on credit report and claim they cant remove paid account off credit report but updated as paid. Not following the Fair credit act. I am aware XXXX XXXXe bought my debt online XXXX XXXX hospital sold account. XXXX XXXX hospital is VIOLATION my HIPPA rights to give information to XXXX XXXX XXXX
Consumer complaint received 2016-08-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Access Receivables of NC Inc. (TX)

I acquired some assets of a company, but not the entire company. Some debt collectors have attempted to collect debt belonging to that company, but have backed off as soon as they 've heard that I did not acquire the company. That has not been the case with Access Receivables. Yesterday I received 2 calls after explaining the issue to a XXXX XXXX at that company. Today he has called 12 times so far and it 's not quite XXXX. He has yelled at me multiple times and will not stop calling, even after I told him he was harassing me.
Consumer complaint received 2016-12-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CITIBANK, N.A. (MS)

On XXXX/XXXX/XXXX, I received a copy of my credit report and Citibank N.A . or Citibank XXXX is showing as an inaccurate account. I called to speak with a representative immediately. I spoke with XXXX and he informed me that the money was sent back from the school- University XXXX XXXX XXXX because I was n't a student. He informed me that the loan was taken out on XXXX/XXXX/XXXX. The loan totaled XXXX for a fall semester.. XXXX then advised that the loan was also sold to the US XXXX at the same time the loan was allegedally returned back from the school.. I asked if he cod end me verification of an account or signed documents that I had a taken out a loan, and that the loan had been sent back from the school or transferred/sold to the US XXXX. He said he could not provide documentation. I asking that the above account be removed from my credit report. I HAVE RECENTLY CONSOLODIATED ALL OF MY STUDENT LOANS WITH XXXX AND THIS LOAN IS NOT ON MY LIST OF COSOLIDATED LOANS. the company name, phone number and address is listed below : Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX sd XXXX XXXX
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NE)

I have been applying for a home loan and going for a XXXX loan. The bank continues to state Equifax is surprising my information. I have called 6 times over the past two weeks and they indicate there is no problem with my account and no hold or freeze in place. The bank continues to state there is a hold. I am not sure how I can correct the problem. When I call in I get someone from the XXXX and I can not understand them so I am not sure if they understand what I need.
Consumer complaint received 2017-06-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Onward Credit Holdings, LLC (VA)

Will  one month I pa y {$260.00}. But next month it might go down on payment. They do not have a address. But the phone is   XXXX  . At  one time I  was pay {$150.00 } one month. But then I was paying {$100.00} a month. It come out my checking acct each month. I think might be a scam? But I not sure if they are scam. the APR is 395.1. I know that is hig h. If a person credit is poor or good. Is that APR is high? To me they seem like they are a scam. But they could be for real. Is there anyway you can check this loan company out? The name of this loan company is  Onward Credit. That all  information I have. But their phone number is  XXXX . Maybe you can help me with this. I want to know are they for real or a scam. Thank you
Consumer complaint received 2017-06-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My bank, Bank of America, wo n't report accurate and timely information to my  XXXX  app. This has caused me to not be able to take advantage of the services and said bank takes hours to update my balance and bank status. My balance is alwa ys 5-6 hou rs behind.
Consumer complaint received 2018-10-25
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: Experian Information Solutions Inc. (NV)

I received a copy of my credit report and I notice two hard inquiries that I don't believed are mine. XXXXXX/XX/2018 and XXXX XXXXXX/XX/2018please remove these two hard inquiries from my credit report.
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CO)

THIS IS NOT A REQUEST NO PERMISSION TO PUT ANY KIND OF SECURITY FREEZE OR FRAUD ALERT ON MY CREDIT FILE. DOING SO WILL RESULT IN A LAWSUIT AS YOU WILL BE OVER STEPPING YOUR RIGHTS AS A CREDIT BUREAU. 

EQUIFAX IS IS LISTING AN ACCOUNT AGAINST ME XXXX THAT DOES NOT MEET THE FCRA GUIDELINES. I HAVE ASKED EQUIFAX TO PROVIDE ME THE ORIGINAL SOURCE DOCUMENT FROM THIS CREDITOR AND THEY HAVE BEEN UNABLE TO DO SO. THEY TELL ME TO CONTACT THEM, WHICH BY LAW IS NOT MY RESPONSIBILITY PER SECTION XXXX OF THE FCRA. I AM NOT THE XXXX LISTING THE INFO SO EQUIFAX IS TO EITHER SUPPLY ME WITH THE ORIGINAL SOURCE DOCUMENT OR REMOVE THE ITEM ENTIRELY. I HAVE ASKED THEM ON XXXX SEPARATE OCCASIONS TO DO SO AND THEY REFUSE. THEY ARE BREAKING THE LAW BY SIMPLY STATING THAT THEY HAVE VERIFIED THIS. THEY KEEP SAYING THEY ARE REINVESTIGATING BUT NEVER CAN PROVIDE PHYSICAL DOCUMENTATION THAT THIS ACCOUNT IS ACCURATE, COMPLETE AND VERIFIABLE OR EVEN MINE FOR THAT MATTER. INSTEAD THEY WANT TO PLAY GAMES WITH MY FILE. YOU HAVE 30 DAYS TO REMOVE THIS ITEM AS IT HAVE BEEN WELL OVER 4 MONTHS NOW OF ME CHALLENGING THIS AND YOU NOT BEING ABLE TO PROVE YOUR POSITION TO REPORT IT.
Consumer complaint received 2017-10-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A. (NJ)

On or about XXXX XXXX, 2017, the collection agency responded to the CFPB ( Consumer Financial Protection Bureau ) advising the matter has been closed in the office. However, this agency was negligent in informing the CFPB that the information in which they reported to the major credit reporting repositories will be removed.
Consumer complaint received 2018-10-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PMAB,LLC (NC)

Since XX/XX/2018 I received a bill from a third party PMAB , LLC stating that I must pay the balance of XXXX for an outstanding medical debt. I immediately took action in writing the company asking them to verify my debt, not once, not twice but three times. I was aware of the debt but I wanted them to validate the alleged debt with a breakdown of fees. Additionally under the Health Insurance Portability and Accountability Act ( HIPAA )  Im allowed to protect my privacy and medical records from third parties, and don't recall giving XXXX XXXX XXXX permission to release my medical information. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request was twofold validation of debt and HIPAA authorization. 
They never could provide a breakdown of fees including any costs and medical charges, nor a copy of my signature with the provider of service to release my medical information to them. However I asked them kindly to cease any credit bureau reporting until the debt could be validated by me. I sent mail certified each time allowing up to 30 days for a formal validation request, which I'm allowed to do so under the FDCPA. Which currently withholding the information they received from any medical provider in an attempt to be HIPAA compliant can be a violation of FDCPA because they are deceiving me after my written request. Which was a full documentation of what they received from the provider of service in connection with the alleged debt. Time and time again after reporting this debt to the credit bureaus prior to allowing me to validate it has been violation of the Fair Credit Reporting Act, which can allow me to seek damage from a collection agent.
Consumer complaint received 2017-06-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (NJ)

I had 4 separate private loans through Sallie Mae. When i went to refinance my student loans through XXXX XXXX they could only cover 3 of my loans for pay off. When i gave XXXX the information for each individual loan for pay off they dispersed the money with a document stating how much money was to be applied to each loan, XXXX XXXX had no knowledge of me having a 4th loan with Sallie Mae therefore when they sent the money for payoff they listed the 3 loans that would be paid off. When Sallie Mae received the check they applied the money how they wanted to, and took the pay off check and applied it to all 4 of my loans. Simply ignoring the paper work that stated what loans were to be affected by the pay off. Sallie Mae applied the money how they wanted too in an effort to keep me as a customer with 4 loans and 4 separate interests rates to make more money off me rather then applying the money how it was directed to be applied which would have left me with 1 loan with and 1 interest rate. Sallie Mae took it upon themselves to apply the money as they wanted and when i spoke with them all the could offer was an apology. But my other concern is that when XXXX or any company at that chose to refinance a loan for pay off they always send extra money in the check to cover any interest accrued during that period of time. When it came time for Sallie Mae to refund the over payment that had no idea how much it was suppose to be for because they messed up on properly applying the money they received for the pay off of my loans. After taking the time to figure out the correct amount of money that i was owed from the over payment, Sallie Mae argued over the amount i said was owed to me. After speaking with about 5 different people at Sallie Mae i was giving a different amount of money that was owed every time i spoke with someone there. My account online read i was owed XXXX while Sallie Mae was only trying to pay back XXXX when i asked how my accountant reads this number and your telling me another amount they had no answer for it. When i brought to their attention that I was aware that they were under investigation for falsely applying customers payments they quickly agreed to send me the check for XXXX with no questions asked. But my problem is that i am actually owed more then XXXX, i am owed approximately 500 dollars more. After i received the check for XXXX i cant seem top get a phone call back or find anyone to speak with you can help me.
Consumer complaint received 2017-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

Chase is beginning to operate as a predatory bank. They have shown no accountability to the things they have done to my account. In XX/XX/XXXX, I made a transfer from my XXXX XXXX XXXX account to my chase account to cover pending transactions and to have money for lunch. I checked my account to make sure the quick exchange transaction went through. From XXXX XXXX XXXX, the account money left my account immediately and the status was processed as in completed. Chase held the funds and did not give me credit for the sole purpose of charging fees. To avoid this, I took precautionary steps. I called and spoke with a manager about the transfer. He could n't understand why the funds were not in the account. I  explicitly explained that I did not want to be charged fees for the funds not being available and asked if I needed to make an additional deposit. The supervisor claimed he called the back office to ensure my funds would be credited. It never happened, he falsely notated my account, and they acted like I never had the conversation. I had to go through so many people to get them to pull the call and reverse the fees. 2nd incident happend in XX/XX/XXXX, when all their systems were down and no one could make a deposit except by going to the ATM. I did not have my card and I tried the quick deposit and branch option, but the computers were not available for the employees to use. I asked what their work around was, no one had one, not even a manager. I called the XXXX number, no access. I then contacted them on XXXX to make sure the same problem that happened in XX/XX/XXXX would n't happen. They assured me no one would be billed fees for this day because of the massage outage. You think Chase reps honored that? No they gave me a hard time crediting their fees even though I went a step further to transfer money to them from XXXX XXXX XXXX to demonstrate my efforts of trying to deposit money. Now, they have cut off my quick deposit due to the 6 fees I collected under their bank error. They keep moving around in circles and it 's inconvenience, and more importantly disrespectful.
Consumer complaint received 2018-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

On XX/XX/2018 I transferred {$5500.00} from my Citi Bank checking Acct. to my XXXX XXXX checking Acct. Citi Bank has provided me with a letter ( see attached ) with all the information in regard the funds were transferred successfully ( tracking and reference # s ). Which I provided the letter to XXXX XXXX branch manager and CEO. XXXX XXXX respond was that the funds were never reached them. In the Citi Bank payee details, it shows that the funds were transferred to : XXXX XXXX XXXX, GA XXXX I have visited XXXX XXXX branch several times talking to various staff including the manager, service manager and assistance manager, all them their answers were the funds never reached XXXX XXXX. 
I have spoken with the following staff at Citi Bank : XXXX XXXX Citigold Relationship Manager ( XXXX ) XXXX XXXX XXXX Branch Manager ( XXXX ) XXXX Citi Bank 's respond was that they transferred the funds successfully, is no longer their problem. Being a Citi Bank account holder, I believe is the responsibility of Citi Bank to protect the assets of their account holder, deposits, payments, credit cards and transfers. Citi Bank should have contacted XXXX XXXX to search what happen to the funds. 
I have filed a case against XXXX XXXX as well with the office of the comptroller of the currency, that case # is XXXX. 
Many thanks for your help and finding the funds.