davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VT)

Well I 'll start at the begining as this might effect others as well. I had a account with Bank of America, my pay was automatically depositited into my checking account, I had automatic transfers set up to take money from my checking to my savings each month, I also had over draft protection set up that would charge any over draft to my credit card. 

I had issues with Bank of America processing things in a manner that would over draft my account and other issues with their customer service I ca n't recall specifically it was so long ago end result was I switched to XXXX. Each month the automatic transfer to my savings account would occure, trigger my over draft protection and charge money to my credit card. I canceled this automatic transfer, I even called and spoke to the bank and they told me we do n't see any scheduled transfers, still every month this would happen. 

I was trying to pay off the card to close the accounts ; because the overdraft protection was done as a cash advance it was slowly turning my balance into a higher % as cash advanced were paid off last after regular credit. As i said i complained, was told there were no automatic transactions but this continued to happen until I eventually called them from XXXX, paid off the remaining balance and closed my credit card, checking and savings accounts. End of story right? 

Not so much, Bank of America re-opened my account because they " forgot '' to charge me interest when I closed it over the phone, because I was XXXX to XXXX I did not find out about this until I returned home and had a collections notice in the mail, no other attempt to call or notify me had been made ; the account had gone 90+ days past due. 

I 'm not sure what the rules are but if there was interest that needed to be calculated it should have been done over the phone when I closed the account, not done behind my back afterwards ; I think this was done on purpose by the bank to get back at me for leaving.
Consumer complaint received 2015-08-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (FL)

There is a motion on XX/XX/XXXX @ XXXX XXXX XXXX courthouse to reschedule foreclosure sale date based on 100 % illegal, fraudulent foreclosure. 
XXXX has sold, transfer or assigned this mortgage to Caliber Home Loans XX/XX/XXXX. 
1. Got out of non-jury trial XX/XX/XXXX which I knew before walking in Judge chambers I was going to lose. 
2. Five Year Statute of Limitations XXXX SOL XXXX Expired XX/XX/XXXX. 
3. One Hundred Per Cent ( 100 % ) Foreclosure Fraud : FORGED SIGNATURED & NOTARIZED ON ORIGINAL MORTGAGE, robo signing, testifying. Their was the biggest lying straight face robo testifier from XXXX XXXX XXXX at non jury trial, it is sad and unacceptable how all their lies, fabrication, abuse of justice system were allowed into evidence. My Forensic Examiner/Witness testimony to original mortgage & note signatures being 100 % forgery was not allowed by XXXX XXXX Court. XXXX law firm does all plaintiffs dirty work. Attached is the letter from my Forensic Examiner to this fact. 0 DUE PROCESS!!!! 
4. Force placed homeowner insurance obtained at illegal price gouging rates three, four times normal amount. Obviously this bank makes huge amounts of profit on this type of insurance they claim to buy & with whom of their choosing of course. 
5. I was told by attorneys at XXXX XXXX Courthouse XXXX XXXX does not ever lose a foreclosure case XXXX XXXX XXXX even with 100 % FRAUD XXXX. Our once sacred courthouses have been taken over and preyed upon by this mammoth corporation. 
6. XXXX XXXX XXXX XXXX XXXX. ( yes same XXXX here XXXX is scheduled to open oral arguments XX/XX/XXXX before Florida 's Supreme Court addressing addressing the 5 year Statute of Limitations. SOL has expired on this closed case.
Consumer complaint received 2015-08-26
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc. (NY)

I have been recieving phone calls from this debt collector and i informed them i live on a fixed income, on social security XXXX, my only source of income and that i can not pay it. I informed them that proper documentation was sent to the hospital where i was seen. I was informed that i will be repeatetly called until i pay this debt, i told them its harrasement and i was laughed at and told too bad, i was also told the were going to take legal action.
Consumer complaint received 2015-08-26
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Delta Management Associates, Inc. (IL)

After initially talking to Delta Mngmt. collection agency, we agreed upon a repayment plan for me to get out of default. After sending them XXXX stubs proving my employment, they contacted my employer thru fax and multiple calls to speak with me when I was there and was not. After I finally answered XXXX of the calls and told him to never contact me at my place of business again, he would not take no for an answer and continued to try to talk to me about my debt. My debt collector 's name is " XXXX XXXX '' ( sp? )
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (HI)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-09-15
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc. (GA)

These accounts are not only reporting as open, also shows past due {$1700.00}, {$3200.00}, and {$1300.00}. I was not properly notified of these fraudulent debts, nor due I claim ownership and debts are not validated. According to the FCRA, I have the right to an accurate credit report. Asked company for an immediate removal and to please remove this account from my report immediately, & provide me w/a copy of my new report showing removal. In addition the collection agency is not licensed to collect debt in my state.
Consumer complaint received 2024-09-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC (SC)

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-09-15
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: Embassy Loans (FL)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. I have not initiated any transaction with your COMPANY. Furthermore, I do not have an account under 15 U.S.C. 1693a ( 2 ) with yor company for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Consumer complaint received 2024-09-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I am writing to formally dispute the handling of my student loan payments by American Education Services ( AES ). I have been making consistent payments on my student loans for over ten years, including during my service as a XXXX XXXX XXXX XXXX. During this time, I have often paid more than the minimum monthly balance with the intention of reducing the principal amount of my loan. 

However, I recently discovered that AES has been applying all of my additional payments toward " advance interest '' instead of the principal balance. This was never disclosed to me at any point, and I only became aware of it after noticing that, despite my efforts to pay down the loan aggressively, the principal balance had barely decreased. Upon contacting AES, I was informed by a representative that the default process for applying extra payments is to allocate them toward advance interest unless I specifically called to request that they be applied to the principal. 

This practice has cost me thousands of dollars, as I have been under the impression that my extra payments were reducing the principal balance, thereby reducing the overall interest paid over the life of the loan. Had I been informed of this default process, I would have promptly instructed AES to apply all extra payments to the principal balance. 

As a borrower who has diligently worked to pay off this loan, even on a limited income as a volunteer and later as an employee in the non-profit sector, I find it unacceptable that this critical information was not disclosed to me. It is deeply frustrating to realize that, despite my best efforts, the loan balance has not reflected my payments as I intended. 

I am requesting a thorough review of my loan account and an adjustment to the balance to reflect the payments that should have been applied to the principal. I also request that any interest that accrued as a result of this misallocation be corrected. 

Please provide a detailed explanation of your findings and any corrective actions you will take. I expect a prompt resolution to this matter and look forward to your response within 30 days from the date of this letter. 

Thank you for your attention to this serious issue. I hope we can resolve this matter amicably and fairly.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, AL XXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/XXXX ] [ CEO : XXXX XXXX ] [ ] [ Company Address : XXXX XXXX XXXX, ] [ City XXXX XXXX. XXXX XXXX : MN, ZIP Code : XXXX ] Dear [ CEOs XXXX XXXX ], I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/XXXX ] Amount Charged Off : [ XXXX ] I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2024-09-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SERVICEMAC, LLC (MO)

I am incredibly frustrated with my experience with the mortgage servicer, MyServiceMac, LLC. I have attempted to make a payment multiple times, but their phone system is nothing short of a nightmare. After selecting the options for using the automated system, I found myself stuck in a loop, continuously routed back to the same choices without any way to complete my payment. Its incredibly frustrating to feel trapped in their own inept system. Even calling during office hours says I am calling outside of office hours. 

Furthermore, their online payment platform is equally disappointing. I have been shut out of my account repeatedly and can not log in, register, or take any steps necessary to make a payment. Its baffling that in this digital age, a company can not provide a simple service like this without running into issues. 

The customer service practices here are horrendous. Not only do they make it nearly impossible to manage my payments, but they also seem to be in violation of the Mortgage Assistance Relief Services ( MARS ) Rules. This makes me question the integrity of their operations. I fully intend to file complaints and report this company to the XXXX XXXX XXXX XXXX XXXX  ) for their unacceptable practices. 

I have mailed 2 payments to : ServiceMac , LLC XXXX XXXX XXXX XXXX, GA XXXX Neither have been cashed or attempted to be posted. I have also send the most recent payment to : ServiceMac , LLC Attn : XXXX XXXX Services- Service Mac XXXX XXXX XXXX XXXX XXXX GA XXXX
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (MD)

In reference to Case ID : XXXX. I in fact am not responsible for the charge below : Date : XX/XX/2024 Amount : {$19.00} Description : XXXX XXXX XXXX XXXX XXXX CA. The merchant did not receive authorization to charge my account. I have not exchanged any communication with this company verbally or electronically. Citibank was unable to obtain any documents or explanation from the merchant directly. I opened a dispute with CitiBank. I sent all requested information to CitiBank. Citibank notified me that CitiBank would side with the merchant because the of the fact that the transaction was not reported within the required timeframe. I have since tried to contact the merchant who states there is no listed account on record, nor can the merchant locate my then debit card a refund as the merchant does not have one on file. At the time of reporting the dispute I did inform Citibank that I was ill at the time and since coming out of recovery I was managing all financial accounts and came upon discovery of this unauthorized charge. I provided the information requested from Citi Bank to which I responded : Neither I, nor anyone authorized by me, made this charge or received any benefit. Hence, as the card holder I have provided all requested information from CitiBank and have fully cooperated in this matter.
Consumer complaint received 2015-08-26
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: DriveTime (SC)

On XXXX/XXXX/2015 I purchased a vehicle from drivetime. I did not have a lot of credit of which there was an old XXXX bill in my credit report that was not paid due to a divorce. There was also hospital bills that I had been paying on. I did supply them with XXXX rental companies that I had rented from and never paid a late charge. At that time I needed a vehicle and I feel as if they took advantage of me. After time to reflect on the transaction the following is a huge concern. 
1- Car is only worth {$5000.00} in good condition and they sold it to me for {$9900.00}. That is in excess or 75 % increase. 
2- I did not understand that my payments would be bi-weekly. Most places you pay once per month. 
3- Drivetime added an additional {$3900.00} into my loan for other items -Drivetime powertrain protection plan @ {$2800.00} - XXXX XXXX @ {$590.00} - XXXX XXXX XXXX XXXX XXXX I was never taken through my contract line by line. I was told what the paper was, and a brief explanation, then told to sign. 
While they did explain to me what these were, I was never told they were optional. I felt as if I had to obtain to make the deal. 
The interest rate is 27.90 % which is way too high. At this rate I will have paid back {$25.00}, XXXX for a car that is only valued at $ XXXXAbove are the major items that I feel was not right. In addition I also see that due to my need of obtaining a car and being a first time buyer, they took advantage of me and charged me a ridiculous interest rate. If they would have called my previous rental companies, they would have seen a good track record. 
Because I did not have a good experience with this company and after a much thought it is more than evident I was taken advantage of. I will be returning this car to drivetime by the end of this week. I will have paid XXXX bi-weekly payments, on time, not due again until XXXX/XXXX/2015.
Consumer complaint received 2015-08-26
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I opened an account with Citizens Bank XX/XX/XXXX with {$5000.00}, explaining that I wanted an interest-bearing account but did not intend to draw on the account at all. I was told that a " Money Market Account '' was appropriate and that, to avoid the imposition of fees, I should arrange to have my monthly statements emailed rather than sent via regular mail. I completed the paperwork and subsequently received statements by email, although I did not review them carefully because I knew I had not made any withdrawals ( or deposits ) to the account and expected the balance to remain stable. XX/XX/XXXX I received XXXX letters by regular mail from Citizens Bank advising that an " inactive account processing fee '' of {$50.00} would be assessed and the account funds transferred to the XXXX of XXXX based upon " unclaimed property law. '' I brought the letters to my local branch ( the same one where I had opened the account ) on XX/XX/XXXX. I was told, in essence, that my account balance was approximately {$4200.00}, having been assessed " relationship fees '' of $ XXXX/month and " inactive account fees '' of $ XXXX/month since the account was opened. When I spoke with the manager, he credited my account only XXXX months ' worth of fees ( {$67.00} ) and blamed me for not having read my statements more carefully. I closed the account immediately and was handed a check for {$4200.00}. On XX/XX/XXXX I sent a letter of complaint to the Chairman and CEO of Citizens Bank in XXXX, XXXX requesting a refund of the {$720.00} in " fees '' taken from my account along with the interest I should have earned on my {$5000.00} deposit for 3 1/2 years. I received a voice mail message from " XXXX in the Office of the Chairman '' on XX/XX/XXXX. I returned her call on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX leaving voice mail messages each time. She finally called me back the afternoon of XX/XX/XXXX and advised me that the very most she could rebate me was {$240.00} ( XXXX months of " relationship fees '' and XXXX months of " inactive account fees '' ) and that she would have to re-open my account to do so. She also informed me that this was my only option to obtain redress, and that this was the " highest level '' at XXXX to which my complaint could be brought. I received a call today ( XX/XX/XXXX ) from " XXXX in the Office of the Chairman '' to advise that the check for {$240.00} was on its way, my account had been closed according to my instructions and she " just wanted me to know the outcome. '' Unfortunately, I know the outcome all too well -- I am still out nearly {$500.00} in " relationship '' fees that Citizens Bank can not possibly justify.
Consumer complaint received 2015-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is my third formal complaint, and asks you to investigate the business practices of Transunion. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report to assure maximum accuracy. Without proper verification by their company, anyone paying for reporting services could fax, mail or email in a fraudulent account. 
I have Asked that XXXX Credit Card and XXXX XXXX Credit Card and XXXX be removed as this we opened as a result of ID Stolen. This has been Removed/Deleted by XXXX and XXXX, however Transunion has been reluctant. My ID was stolen to Open Accounts with XXXX XXXX Credit Card- XXXX Credit Card and XXXX XXXX XXXX . Of which I have sent in my Police report and Notice asking these be remove with immediate effect. Transunion 's failure to properly adhere has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, persons affected with ID Theft 's Accounts must be promptly deleted. I 'm asking them to provide me with a copy of an updated and corrected credit report showing these items removed.
Consumer complaint received 2015-05-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A. (FL)

It 's been more than 7 years my ex did allot of damages to my XXXX score. Never filed bankrupt and they keep changing dates, amount due and selling off to another debt collector. Is this legal. It 's been more than 7 years.