davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (MD)

This process started with a letter ( XXXX XXXX, 2015 ) from Citi suggesting that we could save money by refinancing our existing Citi loan that we have had for greater than ten years. We owe approximately {$37000.00} on the property which was recently appraised by Citi to be worth approximately {$73000.00}. We proceeded with providing information to show our credit worthiness. We answered all questions and followed the completeness of the loan application components on the secure Citi site which we were able to access. We paid for an appraisal ( {$560.00} ) which was completed on XXXX XXXX, 2015. We submitted income tax information, bank statements, credit scores, verification of current income, and over a XXXX-page volume of our Family Estate Plan and Family Trust. We received communications from Citi ( XXXX/XXXX/2015 ) telling us that our loan has been conditionally approved pending receipt of certain documents which we provided. We received confirmation that our Flood Insurance Policy was completed on XXXX XXXX, 2015. In a letter dated XXXX XXXX, 2015, we were informed that our loan request was not approved. When we called the loan officer to ask for an explanation, we were informed that our property was not on their " approved list '' and that it has unverified sufficient flood insurance coverage. Citi owns the loan that currently finances this property, however, and that loan itself has not been challenged. We believe that Citi has a " scam '' going that invites current clients to refinance with no intention of approving a lowered interest rate for their loans. The sole purpose of this process appears to be collecting an appraisal fee. This " scam '' could be XXXX and may involve more than XXXX lending institution.
Consumer complaint received 2015-08-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me. 
This has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau!
Consumer complaint received 2015-06-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

Equifax refuses me an investigation regarding XXXX invalid liens that have since been cleared from my name at the county and federal courts, and they still appear in the public records section of my file with Equifax. XXXX and XXXX deleted these XXXX liens after and investigation ... they are labeled # XXXX and # XXXX. These liens are no longer on file under my name and I have spent countless certified letters trying to correspond with Equifax and have them remove it and provide me the descriptions and procedures of how and what steps they took but they refuse to provide me with anything. They have since begun to ignore me and simply send me a telephone number to contact the courts but that line has NO dial tone and the address is incorrect. These liens were joint with another individual who has since resolved them and they are now invalid an no longer on record with the county and state clerks. XXXX asked Equifax how they possibly verified them and they refused to answer me and simply sent me bogus and threatening letters that kept saying it was verified and nothing else could be done and that it was not their responsibility to provide me with any descriptions and procedures regarding their reinvestigation. But, I know that FCRA and California laws state that I am entitled to it. If they conducted a proper investigation they would see that these liens are no longer under my name. They claim to have verified it via my social security number but that is impossible since the county and federal dockets do not even release consumer social security numbers, so they are also LYING to me. Please, can the government help enforce some discipline on Equifax. XXXX and XXXX have deleted these XXXX liens after their investigation, so what is Equifax doing illegal?
Consumer complaint received 2015-06-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (CT)

TD bank overdraft fees - set up new XXXX new accts, XXXX saving & XXXX checking with debit card. I was clear I only wanted too use money on my card, but in signing all paperwork I did sign off on overdraft protection. XXXX weekend I had XXXX debit withdrawals ( all under {$15.00} some only {$2.00} ) - they were not deducted from avail cash and all processed on Monday, using the highest amount XXXX ( not the dates of withdrawal ) thus creating {$170.00} in overdraft fees. I went to bank to XXXX ct branch and spoke to branch mgr & Vice President, XXXX fee was removed but would not remove {$140.00}, my mentor then went too see her and was told " it 's all his fault, not the banks, and perhaps we need to due a better job teaching life skills, and maybe he should n't be on his own yet " we 've exhausted all avenues with bank, with no help because they all refere too what this Vice President put into acct, our last conversation was with a customer service supervisor ( XXXX ) that told us nothing could 've changed because it 's all done by computer algorithms.
Consumer complaint received 2015-05-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Linebarger Goggan Blair & Sampson LLP (MD)

We received a bill from XXXX XXXX XXXX some time ago ( see attached ) in the amount of {$47.00}, we immediately contacted the county and spoke with a person named XXXX, she gave me some information about the nature of the ticket, we told her that we never received a parking ticket or a ticket was ever placed in the windshield of our car, she also said that the parking violation occurred at the XXXX airport, I informed her that we did not park at the XXXX Airport as she stated, she looked up the car information and told me that the maker of our car was a Dodge Caravan, We told her that we do n't drive a Dodge Caravan. The XXXX employee told me that it was a mistake, that they were going to take care of the error and they were going to investigate. We did not hear back from that office until we received your letter collecting the debt with additional charges.
Consumer complaint received 2015-10-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (TX)

My complaint is against Rushcard, my funds were held up for 6 days because of there system updates. When I did n't get my deposit on XXXX as I normally would get 2 days earlier than my pay day XXXX, I started placing calls to them, then was told would get funds on the original pay day due to system upgrade which would have been XXXX still no funds on that day I kept calling and holding for over XXXX minutes each time to be told they can ' provide me my account information because the systemwas n't work, I placed several calls a day to the company between XXXX, i finally spoke with a lady on XXXX who got my funds released on XXXX this was the worst experience ever with this company
Consumer complaint received 2015-03-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (SC)

On XXXX XXXX I originally called to make a payment and while speaking with the Navient representative she gave me advice on lowering my private XXXX XXXX, not " Navient '' loans. She stated I can have them sent to be processed at interest only for 2 years taking my payment from {$650.00} to {$540.00} ( Interest only ) per month. To get started I needed to pay for a 3 month forbearance so I would n't have to make any payments until the " interest only '' request was complete in about 30 business days. According to the advocate the forbearance was also needed to protect me from accruing any late fees while the request was being processed. I concurred and paid {$150.00} for the 3 month forbearance ( XXXX-XX/XX/XXXX ) on my XXXX ( $ XXXX/loan ) private loans. The XXXX XXXX representative read me my terms and agreement stating I will have a 3 month forbearance covering XXXX then my new payments of {$540.00} will start. I thanked the caller and ended the call. On XXXX the XXXX I called XXXX XXXX to check the status of my " interest only '' request because I had n't received anything via mail updating me. I was then told, my request was denied because the loans have to be in the first 5 years of repayment and I was over those years because the loans were taken out in years XX/XX/XXXX-XX/XX/XXXX. I was also informed that my Private loans were past due. When I ask for the reason why they were past due, I was told my account was only processed for 1 month forbearance. I explained to the representative of the information I was given by the last representative who took my {$150.00} payment for 3 month forbearance and read me the terms and agreement. I was told, " Ma'am, you are only offered 12 consecutive months to do forbearance and you only had one month left. We ca n't give you what you do n't have. '' I ask the rep how I was supposed to know this information. I explained the reason for me calling Navient and speaking with was rep was to get assistance and I had confident I was being told accurate information. All I was repeatedly told was " I apologize, but we ca n't give you what you do n't have. I spoke with a supervisor who kept giving me the same information. '' I ask to file a complaint, so the supervisor promised me a call back within the next 7-14 business days once she filed my complaint. As of today, I still have not gotten a return call nor has my account been adjusted.
Consumer complaint received 2015-06-12
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am with a debt consolidation company. Kohls has been made an offer to settle my debt but has not yet accepted. In the interim they have been calling my previous residence occupied by my husband ( separated XXXX at XXXX and midnight.Most recently on Tuesday the XXXX. 
Are they allowed to call this late? My husband and son have been awakened on several occasions and I feel it is bordering on harrasment.
Consumer complaint received 2015-05-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Miller Davis & Peoples (WA)

I received a voice mail on XXXX/XXXX/XX/XX/2015 at XXXX XXXX from XXXX XXXX at Miller Davis & Peoples stating that I am involved in a civil matter that has been filed against me by their office, that this was a time sensitive matter, and I must contact them immediately. At no time in the voice mail message did XXXX XXXX state that this was an attempt to collect a debt and any information obtained would be used for that purpose, in violation of FDCPA 807 ( 11 ). I have not been served with a summons and complaint by this company. Because I work XXXX with a lot of collection scams, I was immediately suspicious and researched the company online. They appear to be a scam, so I do not feel comfortable returning their call to gather more information. However, I thought I would file a complaint just to be safe.
Consumer complaint received 2015-06-14
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: DriveTime (WY)

Drivetime account number XXXX ... .has illegally reported on my XXXX as the account is not mine. I contacted XXXX and notified they are in direct violation of FCRA and legal action will be taken against them. XXXX and Drivetime both have failed to provide proof the account belongs to me. I need to have CFPB notify both XXXX and Drivetime about this and remove it from my credit file as XXXX has failed to remove this account per law.
Consumer complaint received 2015-05-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

It is with great frustration that I write for the XXXX time to you. I have also done everything in my power to complied with SPS Servicing co. This is the XXXX time Sps confirms receipt of my documents and when I call again they are requesting same documents again. My attorney on record submitted a motion and it was just denied. Please hear me out. I want to resolved this problem. I am going through this for the past two and a half years. 
I want to keep my home. I went a head and did a forensic review. Apparently XXXX XXXX bankrupt and my note was in the bankruptcy. Where do I go from here? 
All I want is for SPS to come on with a loan modification.
Consumer complaint received 2015-11-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY (MI)

This company has called me regarding debt that belongs to someone else. I do not have, nor have I ever had, business or an account with Wells Fargo. I have asked them repeatedly to cease and desist calling me regarding someone else's debt. I even had someone fill out a cease and desist form. They have called me every two to three days since XX/XX/2015, sometimes leaving a message or, using a robo-dialer, leaving a message with no content. These attempts are in violation of the Fair Credit Reporting Act and in violation of the do not call list, as I have no debt owed to them and have not given them permission to contact me in any form.
Consumer complaint received 2015-06-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (NY)

I was using 'XXXX '. I got a new provider and XXXX starts billing me with exorbitant bills suddenly generated by them.they asked me to return some equipment and I explained to them that I was XXXX and had no transportation. I told them to come and pick it up.they refused to do so. now I 'm getting called every day and today [ XXXX/XXXX/2015 ] they 've called XXXX already and it 's just XXXX o'clock.
Consumer complaint received 2015-06-10
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC. (LA)

I received a phone call from a relative stating I had an threatening phone call from XXXX XXXX. I contacted the company and the representative stated if I did n't pay the account of {$560.00} in XXXX days my wages will be garnished. I asked when was the last time a payment was made on the account she stated it was irrelevant and it needs to be paid immediately. I asked how long has this account been open she stated since XXXX. I informed the representative to stop calling my relatives and I was told to send a letter and inform the company not to contact my relatives.
Consumer complaint received 2015-10-22
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (CT)

I ca n't believe a system upgrade on XXXX XXXX, 2015 is still having glitches. It took me 4.5 days to get them on the phone so I can ask what is going on with my account. And when I did get a hold with someone they could n't answer my question. They told me they were working on it. Customer service rep needs training. She got me more upset by having no knowledge as to what was going on. Just that it 's being handled. I asked what the ETA was or a ball park ETA once again I was told I do n't know. I asked a couple days, weeks. months????? Once again the response was I do n't know. They need to get together. Who in the world upgrades their system and not have knowledgeable technical support to fix the glitches. It is now XXXX XXXX 2015, still not resolved. Please hire a real technical staff to fix this or you wo n't have any customers left. This has been frustrating and stressing. I have had anxiety issues over this. This kind of service is inappropriate and disastrous to your business. I want any fees back and credited to my account asap. Also the day of the upgrade it stated I had money in my account, then hours later it stated I had a XXXX balance. I yet still have n't seen where my money went. PLEASE FIX THIS. Hire compentent employees, compentent IT technical support for upgrades.
Consumer complaint received 2015-10-22
Product: Prepaid card — Transit card
Issue: Adding money — 
Company: Empowerment Ventures, LLC (PA)

I loaded XXXX dollars to my prepaid rush card this afternoon. My card doesnt show the load. The reps are not helpful. They insist system is down. I need that money. If they are having so many issue 's then why allow money to continue to be loaded. I need my money. Then im closing the account.
Consumer complaint received 2015-05-12
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Bliksum, LLC (CA)

i took a loan out from XXXX. i became unemployed we agreed to make XXXX installments bi-weekly. they than came back and offered me a XXXX installment with deferred until XXXX/XXXX/2015. i agreed but could not open the file to e-sign. i sent an email agreeing to the terms. and they took my XXXX but loan.me said because i did not sign they were going to take another XXXX out of my checking account. i ran down to the bank closed my accounts and reopened. this was a verbal agreement which was followed up by an email agreement. this agreement became binding at the point they took my 300.00 dollars. 

they constantly call me even after i have asked them not to. 

XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (MO)

The deletion or suspension of accounts stemming from a data breach or unauthorized inquiries is governed by the FCRA Section 605B, which addresses the blocking of information resulting from fraud or data breaches [ 15 U.S.C. 1681c-2 ], as well as the FCRA Section 604, which outlines permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

I am writing to formally dispute the accounts referenced in my consumer credit report, which have arisen due to data breaches or fraud. I kindly request verifiable evidence containing my signature or electronic signature. This letter represents my personal request, and I urge careful consideration. These actions were undertaken without proper validation or original documentation from the reporting companies, constituting a violation of my consumer rights under the Fair Credit Reporting Act, specifically Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

Your agency is in violation!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-05-12
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XXXX XXXX, 2015 at approximately XXXX, I received an email from Bank of America or what appears to be Bank of America . The email states that after calculations of activity with the bank they determined I was eligible to receive a fees refund of {$300.00}. They wanted me to submit the refund request and allow them 3-5 days in order to process it. They stent a Refund Form that was attached to the email, I was to open it in a browser and follow the instructions on the screen. 
The form asks for User Information which consists of a online ID and password, billing address, full name, social security number, date of birth, address ( if different from billing ) city, state, zip code, mobile number, and card information credit/debit, the code verification number ( cvv ). It gives you the fees refund {$300.00} usd. Then they want you to use your email address registered with them to confirm a security verification with your email password. 
I called Bank of America because I do n't have any accounts or credit cards with them to confirm. The representative was very helpful with informing me there was nothing in there system with my name.
Consumer complaint received 2015-05-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NH)

Hello, I had to file a complaint approximately 2 years ago in order for XXXX XXXX to reach out to me regarding an interest rate reduction plan in order to make my student loans affordable. In XX/XX/2014 they terminated my interest rate reduction plan for no apparent reason, siting the fact that the payment amount owed was not paid. I was setup for automatic payments being pulled from my XXXX XXXX checking account. This should not of happened. 

Since then after phone calls and trying to ensure that my interest rate reduction plan would continue, no one proved to mention the fact that XX/XX/XXXX payments had changed. They still pulled the original amount setup through the rate reduction plan $ XXXX/mo. and just continued to let interest build on my principal balance. 

I have setup the interest rate reduction plan yet again and I just received a past due notice even though they setup the payment to pull on the XXXX of each month. This is making it impossible for me to payoff my debt and push towards a goal of financial freedom. Please help. 

Sincerely, XXXX XXXX