davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America put my account in closing on XX/XX/XXXX. I was told account will be closed on or before XX/XX/XXXX. I got a mail on XX/XX/XXXX that the account was closed. I called on XX/XX/XXXX and the representative said that the account was closed and that i will recieve a check in 5 days. XX/XX/XXXX I called and ask about my check a manager told me that the account was not closed, so I told her a few days ago the representative said the account was closed and that I should receive a check she then told me that the account will be closed on the XXXX. On the XXXXXXXX XXXX XXXXXXXX I called again spoke with a manager she then told me that the account will be closed on the XXXXXXXX XXXX XXXXXXXX. I called back on the XXXXXXXX XXXX XXXXXXXX and then the agent is saying the account is still not closed because of pending Claims. My account was not closed due to pending claims. My accounts according to Bank Of America was closed due to a check deposit and that they had concluded their investigation and my account was closed. 

Account Number : XXXXXXXX Business Checking
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally request your assistance in resolving a serious issue related to identity theft and inaccuracies on my credit reports with Experian, XXXX, and XXXX. 

On XX/XX/year>, I filed a report with the Federal Trade Commission ( FTC ) regarding fraudulent inquiries, incorrect addresses, and my name being reported incorrectly on my credit reports. I am a victim of both identity theft and a data breach, and in XX/XX/year>, I uploaded a police report to each of the credit bureaus to verify my situation. 

On XX/XX/year>, I also mailed certified letters to the credit bureaus to further address this issue. Included with my FTC report were supporting documents such as my driver 's license, a utility bill, and a bank statement, all of which provide my correct and current information. Despite these efforts, Experian, XXXX, and XXXX have failed to remove the inaccurate information, which has severely impacted my credit. This ongoing issue has made it difficult for me to access credit, as creditors are unable to verify my identity due to the conflicting information on my reports. 

I am seeking your intervention to ensure that Experian, XXXX, and XXXX take immediate action to correct these inaccuracies and restore my credit standing. The continued presence of this erroneous information is causing significant harm to my financial stability. 

I appreciate your attention to this matter and look forward to your prompt response.
Consumer complaint received 2024-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (IL)

Since its origination in XXXX, the mortgage for the subject property has never had an escrow for insurance -- it was always paid out of pocket directly. In XX/XX/XXXX, I changed insurance companies, without any lapse in coverage or change in terms. I provided Shellpoint Mortgage Services the new policy, and they accepted it. However, Shellpoint ordered forced place insurance coverage and included it into my escrow -- raising the monthly payment by more than $ XXXX month. 

I have submitted at least XXXX complaints and repeated calls during the past XXXX months to explain the situation and implore SP to correct it, all while continuing to make my increased payments.SP has opened no less than XXXX " case investigations '' and the end ensuring that the problem will be fixed. ( Ref. SP case XXXX. XXXX and XXXX ). To my knowledge, no escrow analysis has been run to correct the problem, and none has been provided to me. Instead, SP or its insurance affiliates continues to collect on premium forced placed insurance rates, which were wrongly imposed on this property, and continues to charge me thousands in extra costs being run through the escrow, causing me great financial harm for the past XXXX months.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX
Consumer complaint received 2016-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

The XXXX mistakenly filed a tax lien against me. I contacted them and they sent me a letter to mail to XXXX, Equifax and XXXX telling the credit bureaus to delete any reference to the tax lien. I sent them the letters explaining that the lien was placed in error. 
Equifax refuses to remove the lien entry from my credit report.
Consumer complaint received 2016-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CT)

Difficulty making payments on a private loan formerly with XXXX XXXX ( currently with Navient ) for XXXX XXXX to XXXX XXXX XXXX XXXX XXXX, XXXX, MA. Navient refuses to postpone or significantly lower payments after 10+ years of paying on-time.
Consumer complaint received 2016-02-05
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery sued me for a debt I do not owe in XXXX County Texas per case number XXXX. They had no verification to support the lawsuit other than a computer printout with my name and an address I have not lived at in many years, an incomplete account number and many pages of generic documents that did not apply to the case at all. Prior to court, I requested a verification of debt and they sent the same printout. They did not verify anything with the original creditor. They voluntarily dropped the suit on XXXX XXXX, 2015 but it remains on my credit report still. This issue has been on my credit report for years and has caused me to incurr high interest rates on many occasions. The least they could have done is to stop reporting a debt that is not valid to credit reporting agencies.
Consumer complaint received 2015-11-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (TX)

I have reached out to my student loan servicer multiple times to have my payments drafted on the XXXX of each month. My servicer keeps telling me the issue has been taken care of but when I log into their website it shows my payments will be drafted on two separate days. 

I would like this issue to be corrected so i can ensure I have money in my account on the XXXX so all my student loans can be paid on time. 
When will my online account be updated to show that my payment will be drafted on the XXXX of each month. This is the 6th time I have contacted you about this issue since my my original request to have my due date changed. I will be filing yet another compliant with the CFPB. 



RE : Payments & Billing [ XXXX ] Thank you for contacting American Education Services ( AES )! 

Your loans are due on the XXXX of the month. I have submitted a request for your online account to be updated with the correct due date. Please allow up to ten business days for the request to be processed. I apologize for any inconvenience this issue has caused you. 

AES APPRECIATES OUR MILITARY MEMBERS! Based on your service, you may qualify for a lower interest rate and/or deferment of your student loans. For additional details, please visit XXXXIf you require further assistance, please visit www.aesSuccess.org and click the 'Contact Us ' link for information on contacting our Customer Service Department . The 'Contact Us ' feature also allows you to submit inquiries via secure email. Through your online account, you may view account details and access additional services. 

Sincerely, XXXXAmerican Education Services -- - Original Message -- -On XXXX XXXX, 2015 at XXXX XXXX, Account : XXXXDate of Birth : XXXXEmail Address On File : Message : Reply My Existing Loans XXXXI 'm replying to an inquiry that I recently put in and was given the response that my due date was changed to the XXXX of each month. 

If my due date has changed to the XXXX then why does my online account show that a payment will be debited from my account on XXXX? 

I want my payments to be debited on the XXXX of each monthXXXXThis message contains privileged and confidential information intended for the above addressees only. If you receive this message in error please delete or destroy this message and/or attachments. 

The sender of this message will fully cooperate in the civil and criminal prosecution of any individual engaging in the unauthorized use of this message. 

Code : PHEAA
Consumer complaint received 2015-06-01
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Feldman & Stern, LLC (TX)

XXXX XXXX with Feldman and Stern at XXXX has called multi times threating myself and employees at my that he is going to sue me if I did not contact him. I talked to his on XX/XX/XXXX that the following week I would return his call and make arrangement on the debt. He refused to accept this and started calling my work every hour and to calling my husband works as well threating him and other employees there as well. He has cused out a employee at my work thinking it was me.XXXX XXXX has been told not to call our works and to call our home phone. He will not accept this and now he is calling the works phones giving a different name and threating to come in person to our works to collect the money.
Consumer complaint received 2015-04-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

Submitted a XXXX dollar check to wells fargo, believe had the amount in father 's XXXX life insurance account, in fact, apparently did not, banker showed returned check, promptly went and checked, and came back to the bank and submitted a XXXX check which did in fact have the full amount of funds available, which did in fact clear. believe the bank had " mistakingly '' initiated the XXXX check again, and apparently this XXXX time time bank initiated XXXX run of the check was enough to close an account built from a year long developed opportunity account, at a time where am currently on my own, post a father 's passing, securing living space, and closed the account. 
XXXX and XXXX XXXX XXXX, XXXX number XXXX were the people call center sent to the call to.. prevented being able to pay for a hotel, etc. absolutely no fraudulent activity. absolutely would be a period of two days without any direct funds from my own personal account with no fraudulent activity. am very concerned on the activity on the decisions and would definitely like further research in direct integrity and of a genuine nature. 

Also have other issues which can then submit, and may consider a full and entire filing of entire banking experiences.
Consumer complaint received 2016-02-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I need your assistance please in having a fraudulent account removed from my credit before I take legal action. I have contacted Portfolio Recovery Associates for about 6 months now about an account I discovered on my credit. I have contacted them via certified mail 5 times because I wanted to have proof of receipt. They have received my dispute but have failed to get back to me in 30 days which is what is required by the FTC as it relates to the FCRA. I have actually waited 5 months and the account remain and they are responding to the credit bureaus but ignoring me. I was never contacted before the account was placed on my credit. 

Account Number XXXX
Consumer complaint received 2016-01-25
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

collection agency called my former employer, claiming to be with the XXXX XXXX XXXX XXXX. Said that they were going to send an officer there the next day to serve me a subpoena if i did n't call them back in the next 15 minutes. When i called, the person answered " corporate office. '' I asked him what company he was with and he refused to answer.
Consumer complaint received 2016-02-02
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a Bank of America costumer and I have had my debit card replaced 3 times in the past 9 months because of a " data breech '' at an " undisclosed merchant. '' Bank of America will not disclose WHO the merchant ( s ) are or the situations leading to the breech. Going thru and updating XXXX auto-pay accts every 3 months is a hassle and as I am the customer, I feel that the absolute LEAST Bank of America can do is inform its customers of how/why my information was released. It 's as though they are protecting merchants instead of their customers
Consumer complaint received 2015-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (LA)

I filed for bankruptcy in 2014 I started off at a chapter XXXX, ended up doing a XXXX ( attorney suggested ) while in chapter XXXX now I had n't paid mortgagebecause it started as XXXX so was behind. While in XXXX I asked for modification from lender in XXXX 2014, as soon as decided to do a XXXX. In XXXX of 2014 my chapter XXXX was dismissed. But in modification process. Received foreclosure papers in XXXX while in modification. Received sheriff sale notice not long after. Still have not received decision on modification. They r still asking for documents to be sent by XXXX XXXX when my sheriff sale is XXXX XXXX. Very confused and stressed
Consumer complaint received 2015-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

Equifax has blended the credit report of family member with a similar name and social security number with my credit file. They have been provided with the correct information and acknowledge that a mixed file has occurred but have refused to separate the XXXX files and deleted the accounts and inquires that belong to this person. I have filed several disputes with them over the last several months with no success of getting this information removed.
Consumer complaint received 2015-07-07
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

I have received text messages that I never authorized. The text have threatened repossession. I have received emails threatening repossession. I had been in a bankruptcy at which they contacted me while I was in it. Received a text and a voicemail back to back. I have email and text saved
Consumer complaint received 2015-04-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NH)

I cancelled my bank account with CITIBANK in XXXX 2015 and I 've already called them XXXX times to get a check with the balance of my account at the time of closure. So far no result and the process is in a loop. In every call they offer cancelling the previous check supposedly issued and reissue a new one. Every call takes more than XXXX minutes and they ask for my personal data over and over again. Two months after I still do n't have my money.
Consumer complaint received 2016-03-13
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (TX)

I contacted Citibank Customer service on XXXX XXXX, XXXX and spoke to a representative and an account manager with regard to having my account reviewed to have interest rate lowered. I am currently paying XXXX on XXXX balance on the card and XXXX on another balance on the same card. The account has been closed for several years and I am getting frustrated in the fact that even though I pay more than minimum due the account balance seems to continually increase. I have a letter from their Office of the President, dated XXXX/XXXX/XXXX that states that the account would be automatically reviewed every six months for a lower APR with no reference as to whether the account was open or closed. That is what I called and requested today and was very bluntly and rudely told by the account manager that because the account was closed, there would be no review. His response was the letter was from XXXX and things have changed. So, just because my account is closed and I am continually making payments not only on time, but also more than the minimum due, I get penalized for review because the account is no open. The only remedy that was offered was to reopen the account at a higher rate! Please I am not a stupid consumer, all I ask is that I 'm treated the same as an account holder that has an open account.
Consumer complaint received 2016-03-24
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

I took a leaser from Nissan motor acceptance corp in 2006. XXXX XXXX and I agreed to a 36 month lease with me XXXX/XXXX/2006. 
XXXX Dealer XXXX lied and deceived me wrote the contract at 42 months and did not notify they changed the terms based on what we agreed to verbally. Even though I only agreed to 36 months at {$430.00}. I paid all 42 months and they told me when I moved to XXXX XXXX forced me to double pay upfront taxes I had already paid at the beginning of the loan and now pay {$560.00} per month which was not in my written contract. I was over charged and lied to on this loan. Then after I returned the leased vehicle in perfect condition and they said i didnt owe anything. They have wrote me up on the credit bureaus as a charge off. Then they have continued to lie and give the credit bureaus wrong information dates that are wrong and more recent so the debt stays on my credit report. 
This company has lied to me, over charged me, lied to the credit bureaus, sent incorrect information to keep a debt on my credit report which has costs me thousands of dollars and effected my ability to rent apartments and get credit. I paid was was agreed and more they lied and continue to deceive the credit agencies to try and collect money they are not owed and seriously negatively affecting my credit for over 5 years. Please contact this company and make sure that delete this charged off debt I have never owed off my credit report. 
I also want to be paid back all the money i over paid in tax on this loan. I never owed them money. they owe me money. Also this debt is out side of the statue of limitations nissan keeps lying about the dates to keep the debt on my report. That is very wrong and illegal.
Consumer complaint received 2016-02-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (GA)

Several years ago I received a notice from XXXX XXXX and XXXX saying I owed {$5300.00} in principal and {$1700.00} in interest for a credit card debt. Initially I called and said it was not my debt. The letter continued to come and then XXXX came with a threat to sue and garnish my wages. I went to a local office in XXXX, Georgia in XXXX of 2009 and met with an attorney. He kept trying to get me to sign papers agreeing to a payment plan. I refused and told him it was not my debt. I asked him to please show me where I signed anything related to this credit card and compare it wit my license. He did not answer my question and tried to tell me this could be solved very easily. He refused to listen and attempted to have me pay less to settle this. I told him again that this was not my debt and I was not paying it. As I stood up and left I suggested they find the correct person and stop contacting me, I then and I stood up and left thinking this matter was resolved. In XXXX of 2009 the attorneys of XXXX XXXX XXXX and XXXX went to the XXXX XXXX magistrate court and a judgement entered against me. I have the money to pay but I do not feel it is fair to pay for something that is not mine. I truly thought this issue was settled when I went to the law firm and spoke with the attorney about this issue. I went to the courthouse to get a copy of the judgement for my records. What are my rights regarding this issue? I would rather pay a lawyer to assist me to fight them than to pay for a debt that is truly not mine. Any help will be greatly appreciated.
Consumer complaint received 2016-01-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Ballybunion Enterprises, Inc (NJ)

freedom furniture and electronics sued me where i did not live. i had no idea about the lawsuit, and was never given proper notice. they are taking money from me on a monthly basis only because they threatened to put a lien on my bank account.