davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Bayview Solutions LLC (NJ)

In XX/XX/XXXX I had a payday loan with XXXX in the amount of {$500.00} - the APR at 390 %. Upon paying the loan I was told I received a loan in the amount of {$600.00}. I informed XXXX I received {$500.00}, and had their documentation to prove it. However, a few months later I came to realize payday loans were illegal in New Jersey or at best there were usury limitations which clearly XXXX had exceeded.. 

I had three payments debited from my bank account, and before the fourth I sent XXXX a letter stating Payday loans were illegal in NJ and also mentioned usury law, and at this time I was revoking my ACH withdrawals, but would repay the principal via money order - which I did. XXXX stated they were not governed by NJ Law, but is governed by the XXXX, and the principal and interest would have to be paid even though there payments are mailed to XXXX, IL. However, I repeated what I stated in my previous letter to them, and continued to pay the principal balance. I soon received phone calls from their Customer Service Dept., stating I owed money and if not repaid ( principal and interest ) it would be turned over to their Collections Dept. From that point on calls I received from XXXX were identified as Fraud Dept. and the same goes for the emails I received ... Fraud Dept. Eventually, approximately three months later the calls stopped. 

Now, in XX/XX/XXXX I have received a letter from a Collection agency with their letterhead reading XXXX in XXXX MO and the Creditor is listed as Bayview Solutions, LLC. The address listed for XXXX is XXXX, XXXX MO XXXX. Phone number is XXXX. There is n't any information on Bayview Solutions, LLC - just listed as the Current Creditor, and XXXX as the Original Creditor. The debt owed on this paperwork is {$1000.00} which is simply not true. I see several online addresses on Bayview Solutions ( which I listed below ). Also, in researching Bayview Solutions it shows the BBB had downgraded to an XXXX in XX/XX/XXXX, and the FTC filed an injunction on XX/XX/XXXX. 

BAYVIEW SOLUTIONS, LLC, XXXX XXXX FL XXXX XXXX, XXXX XXXX, FL XXXX XXXX, XXXX, XXXX, FL XXXX I 'm not sure who this company is or what name they do business under - or how they continue to do business. The FTC has filed an injunction against them and they have been downgraded to XXXX with the BBB, and list an amount owed that is untrue.
Consumer complaint received 2016-11-21
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX XXXX claimed they were a law firm hired by Capitol One to collect on a credit card debt of around {$600.00}. Now saying I owe over {$3000.00}. He said they would contact my car loan people and repossess my car for the debt. 
He knew I had filed bankruptcy, said they talked to the judge and the debt was dismissed but they ( XXXX XXXX XXXX ) were collecting the debt and damages anyway. He said the debt was now {$3000.00} but they would settle for {$600.00}. 
I have not been served with any paperwork for any of this. He said I was trying to avoid them when he called me and knew my address.
Consumer complaint received 2017-01-27
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: Finance of America Holdings LLC (CA)

A reverse mortgage company solicited a mortgage from my XXXX Mother. She lives on the west coast the loan company is on the east coast. She had XXXX some time in the past and was hard to converse with in person and nearly impossible on the phone. The loan company sent appraisers and estimators to her house but no loan agents. She was given a list of repairs that would have to be made to her house as well as an estimate to have the work done. Although I was not in favor of the reverse mortgage it was not my decision. I was shown the estimates for the repairs and new that they were significantly lower than they should be and suspected the loan company of intending to submit a final invoice much larger than the estimates. Therefore performed all the repairs at my expense which the loan company did not like at all. They did there best to discredit the work but their inspectors had to acknowledge that all the repairs were complete and correct. Non the less it appears that the loan company added their original estimates to the costs of the reverse mortgage even though they did non of the work. My mother passed away from another XXXX. In the course of trying to sort out the mortgage and other affairs I found a document on her computer. It was a form stating that she had met with a re [ presentative of the loan company in person and that all aspects of the transaction were explained to her and under stood. I believe this document was a legal requirement and that it was e-mailed to her with instructions to print it out, sign it and mail it to them even though no agent and met with her in person. These are only some of the issues I 'm having trouble with. I 'm not sure what qualifies as a " predatory loan '' but my mother was pressured and misled. She would never had agreed, nor would any rational person agree to borrow XX/XX/XXXX dollars for three years in exchange for a house worth over XXXX.
Consumer complaint received 2016-05-16
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (GA)

Citi is issuing a XXXX brand VISA credit card to replace an XXXX XXXX XXXX credit card. I was not asked if I wanted the Citi VISA card or given an opportunity to opt out, either by XXXX or Citi. Citi ran a credit report without my permission and as a result, my XXXX score plummeted.
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TX)

I called Navient to see what other options I may have in term of reducing the monthly payment. I know there is a process to go through after giving them all required information, to see what I qualify for. However, that process never begun because they wanted to know all the bills I had that they asked for. So I gave them all the information in terms of my monthly bills. After that, the representative told me, that they will will not go forward with this because I have to many bills, that I will be denied. what does this have to do with what my options could be. So basically, because I have to many bills, I do n't My income does n't reflect that, so they wont even help me out in terms what my options could be. Navient was very vocal to mention to me, that their not going to go forward with trying to see what I could qualify for.
Consumer complaint received 2016-11-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (TX)

I received a XXXX Form XXXX from Department Stores National Bank, XXXX XXXX, SD for default on a Macy 's Credit Card. I sent a letter on XX/XX/XXXX asking for a corrected XXXX showing this was cancelled ( copy attached ). I have never had a Macy 's Credit Card. On XX/XX/XXXX, I received a letter from the IRS ( copy attached ) and subsequently sent a letter to the Payer 's Name listed in the IRS letter asking for a corrected XXXX. The letter was returned undelivered. The IRS is billing me f for taxes on this bad debt which does not belong to me. 
I want a cancelled XXXX clearing me of this debt that I do not owe along with a copy of the credit application showing where, when and by whom an account was opened in my name.
Consumer complaint received 2018-11-01
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. (HI)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP.. This is ruining my credibility.. No one wants to grant me a loan because of this error XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2016-11-21
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY (AZ)

I have a Wells Fargo Visa Credit Card that says " Rewards '' in the upper left corner. Rewards were not posting to my account, so I sent an inquiry thru contact email when signed into my account. They gave me a phone number to call. I was transferred multiple times to different departments. Tried again 2 other times. Was told to go to the branch today and work thru a banker. I did, and the banker could not get a resolve. She herself was transferred 7 times, and told multiple stories but could n't get it resolved. They are saying there are is no reward program associated with the account, even though the card clearly says " rewards '' on it. We were told I could apply for a card with rewards, but that my past purchases would not be credited with rewards, and that likely the interest rate would go up. I made multiple purchases, thousands of dollars using this card expecting to generate rewards. I feel this is clearly consumer deception, and ca n't seem to get any resolution from the bank. I have to believe that if I am having this issue, other consumers are as well. Please help.
Consumer complaint received 2017-01-27
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Northstar Location Services, LLC (MD)

Northstar Location services LLC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted my phone on a XX/XX/2017 and a voice mail. I listened to the message. 20 minutes later I called my father in XXXX, XXXX hours diffence to say hello and he told me of this company calling him in regards to collecting money. 
He provided the contact info left for me to return the call which I immediately did, upon speaking to the debt collector she informed me of a balance unherd of that didnt match my balance owe that I am in dispute now over and said I could settle with her. 
In response to her offer I asked how and why she called my father and she lied explaining that she had his number and name contact from original loan statement. I told her that wasnt true because I remember that he was not a co-signer nor a contact for reference. The call ended right there and I was sent from this company the original copy of loan with out his contact information ( I dont know if that was an appology or a threat? ) and a collection statement. 

This is the third company trying to collect a bill that I have been disputing for over 9 years. I need closure and this should end. 

My request from this complaint is a conference call with free legal assistance to the loan owner about a reasonable payoff for debt. 

I have paid a certain amount and expect everything I gave to be recognized. 

The arbitration factor to the clauses in my loan agreement look really attractive right now so I need to make a decision.
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (OR)

To Whom It May Concern : My mom was finally approved for a home loan modification after having to file for bankruptcy after getting into a bad home loan.We then attempted to sell the house to break even with the bank, and finally get from under this house we had the bank provide 3 final payoff quotes, an amortization schedule to make sure that since the house did n't sell we are paying it off in a timely manner, and making sure that this is all good to go. Now 5-7 months after being approved for a modification, being provided an amortization schedule, and paying the mortgage on time ( as well as paying an extra $ XXXX/month which has to go directly towards the principle ), the overall loan pay off amount increased {$7000.00}. Here I am trying to do the right thing and budget accordingly and Wells Fargo how now claimed they made an error?! Although it is in the contract to be able to go back and adjust numbers if they made a mistake, this is now 4 months since we have been completely modified. It 's like the bank never wants me to be able to sell this house back and be able to pay them off. I am requesting an in-depth review of this account by the CFPB as this is absurd and unfair. I am looking for Wells Fargo to forward {$10000.00} directly towards the principle for their mistakes or I will be looking to take them to court. After having them look into this matter they said some money was missed placed in escrow that is there accounting error and my mother and I will not keep paying for wells fargo 's miscalculations after already getting the short end of the stick from the beginning with this bad home loan. 

Thank you,
Consumer complaint received 2016-11-19
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Strauss Factor Laing & Lyons (RI)

I received the FIRST notice of the debt on XXXX/XXXX/2016. Before I could even dispute this debt I received A wage attachment hearing notice on XXXX/XXXX/2016. I never received notice of judgment or lawsuit on this debt. I do not even know what this debt is for? Not even sure this debt is mine!
Consumer complaint received 2021-12-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NV)

I opened a citi bank priority account because of the sign up bonus at my local branch. The banker assisted us and verbally told us that u deposit XXXX in the account within 90 days and maintain at least XXXX for the next 3 months you will get XXXX bonus. The banker even watched us deposit the first huge chunk of cash to this new opened account. 6 months after I contacted Citibank regarding to this bonus. First agent told us it will hit in my account within 2 days, and yet nothing after waiting. Tried to contact them again and then the agent told us cash deposits dont count. Well the banker is your employee. If cash deposits dont count why would he watch us deposit the money. And also, why he didnt explain or at least point out this method doesnt count. 
My money was stuck in this for 6 months for nothing while Citibank can use my money to generate more interests and profits? 
This is totally a scam. I even did research to see if this only happened to me but I saw many people got the same issues too until they have to go through this step. 
This is annoying why did I even bother to open this account and put my money in and not able to use them for 6 months without getting the bonus. 
I get it if I didnt read the term if I did thing promotion online. But we were at the branch and trusted your employee!
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with the following companies were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

The following companies never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

Equifax provided they verified XXXX  # XXXX with the XXXX XXXX  XXXX - XXXX also XXXX XXXX  # XXXX XXXX claimed was verified directly with XXXX XXXX XXXXXXXX XXXX XXXX XXXX  this is an error or a lie!!! I also contacted the Fraud department at XXXX who stated verbatim that this is not correct!! They have no correspondence at all with The Court House directly therefore, this is an error or a lie!!! Either way pursuant to USC 15-1681, 1682 according to the FCRA Im entitled to a fair credit report!! XXXX has affected my rental screening history, my integrity, my livelihood and most importantly my consumer report this is false fraudulent information, it needs to be deleted immediately I am also entitled to monetary compensation!!!! I provided all documentation proving these are not my XXXX  you cant even legally file this close together!! The only time I have ever filed XXXX  was in XXXX  which was discharged!! They have my police report as well as all documentation on file!!! This should be deleted immediately if not I will contact my attorney as this is a direct violation of 15-USC 1681 , XXXX
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (AZ)

PLEASE READ THE REASON FOR MY COMPLAINT* 1. Date Open is inaccurate - Company is reporting different dates on different credit bureaus. 

2. Company is RE-AGING THE ACCOUNT!!!!!! 
- Attached is a copy of XXXX on my credit reports this year on each report there is a different date. The last report they RE-Aged the account 2YEARS!!!!!! 

FCRA Violation!!!!! 


3. Company has not verified the account!! 
- No documentation has been provided with accurate information.
Consumer complaint received 2016-11-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed a copy of my credit report and XXXX XXXX of XXXX ( XXXX ) accessed my credit in the form of a hard inquiry without my permission on XXXX/XXXX/2016. 

I never authorized such action in written nor verbal form in XXXX, as I took delivery of my car on XXXX XXXX, 2016. This constitutes a clear violation of my rights under the Fair Credit Reporting Act XXXX as well as a violation of my rights to privacy. Please contact XXXX XXXX of XXXX and XXXX, and investigate such occurrence. 

I contacted XXXX XXXX of XXXX who initiated the inquiry immediately after noticing the issue in XXXX of 2016 and asked them to remove the latest credit inquiry from my credit profile, as they had no permissible purpose to access my credit. I have been in contact with a Finance Dept employee, XXXX. I have left voice mails for the General Manager, XXXX, that were not returned. Finally, after contacting XXXX XXXX XXXX offices, I received a call from XXXX XXXX the General Sales Manager, who warned me not to contact the credit bureaus and agreed to get XXXX Legal Department to have the inquiry removed. However, he is now unresponsive to several calls and voicemails. The inquiry remains as of this date on all XXXX of my credit reports. 

Please investigate this company. They are deceptive with no regard for consumers. The whole time I 've dealt with them, it 's been one lie after another while evading my calls.
Consumer complaint received 2016-12-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Miller, Stark, Klein and Associates (MI)

My parents contacted me and told me that someone from Miller Stark Klein said they were trying to find me for a court summons. I tried to make contact with the company the same day and they did not answer. The following day, I tried to contact again and spoke to a XXXX. XXXX stated they had information about $ XXXX of debt from a bank account I do n't use in a city I havent lived in for a decade. When I questioned the authenticity of the claim, she got upset and implied there was nothing I could do to resolve the issue. At no point did they ask for any current contact information or where I even currently live, just that I pay the money. When I asked for paper documentation of the records they have on this case, she stated I could take it up in court and hung up on me- without providing any information or even asking for where I could be contacted.
Consumer complaint received 2017-01-27
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Today, I learned that my credit card account number had been changed by the issuing bank, Bank of America. I called to find out why and they told me that a vendor I recently used had data stolen, which may have included my former credit card number. For security purposes, they issued a new number. However, they would not tell me who the vendor was. I said that was very unfair to the customer, and they are protecting the vendor at my expense. BOA claimed legal obligations prevented them from revealing the vendor. I 'd like to push back on that by filing this complaint to force them to reveal the vendor. I should have the right to know which vendors ca n't keep their data secure.