davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
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. (NC)

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Balance : {$800.00} Account Type : Collection Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Balance : {$430.00} I am filing this complaint due to accounts on my credit report that were opened fraudulently as a result of identity theft. These accounts were added without my consent, and I am requesting their removal under FCRA Section 605 ( b ), which mandates the deletion and blocking of information resulting from identity theft.
Consumer complaint received 2015-03-27
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY (NY)

In XXXX, 2014, my TD Bank business account was compromised and more than {$1000.00} was stolen. This is the sole business account for a small business my husband and I run together, which we use to support our young kids. I discovered the fraud in XXXX, because we were moving houses when it happened. I did my banking with the XXXX. XXXX, NY branch of TD Bank. When I informed them of the fraud, they put me through the wringer with multiple lengthy phone calls and long meetings at the bank, then reimbursed me for the XXXX fraudulent transactions. The representative at the bank was new and not familiar with the protocol, and the managers decided that she should learn by feeling her way through this problem, which was not fair to her or to me. 

I combed through my bank accounts, looking for other instances of fraud, with no help from TD Bank. They could not provide even the most basic information about transactions, leaving me to do my own forensic accounting for hours. I discovered more instances of fraud, but the manager told me that I would not be reimbursed for anything over 90 days old. I asked for better fraud protection, such as a text alert for any transactions over a certain dollar amount. The representative told me they did not provide that and would not be doing it in the future. They repeatedly said " It 's your responsibility to review your statements. " TD Bank is making it harder for consumers to detect and prevent fraud, then they are refusing to reimburse for older transactions. Making this difficult for the consumer is beneficial for them financially. They are making money off of their unsecure banking. 

I would like to be reimbursed for the {$400.00} charge I found that is more than 90 days old, and I would like to be reimbursed for the XXXX overdraft fee that was caused by the fraud. Equally important, I 'd like TD Bank to change their policies : 1 ) Fraud is fraud, no matter when it happened, and 2 ) they need to make it easier for customers to monitor their accounts by allowing customers to set up text alerts. 

Thank you, XXXX XXXX
Consumer complaint received 2015-03-26
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I have received a credit report marker for a thirty and sixty day credit marker for my XX/XX/XXXX and XX/XX/XXXX payments. However, I had arranged a deferral contract for my monthly payments to be extended onto the end of my lease period. Because my monthly payments were brought up to date via deferral - my account was brought current in XX/XX/XXXX. I am requesting for the credit markers to be removed.
Consumer complaint received 2016-02-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (CA)

I was contacted by a debt collection company called CMRE Financial Services regarding an outstanding payment to XXXX of XXXX XXXX of dentistry for the amount of {$200.00}. I have never visited the dentist school and do not owe them any money. I called CMRE Financial Services at ( XXXX ) XXXX and they told me to file an identify theft report and send them a copy along with my driving license and SS number. I have also attempted to contact the dental school in question but have not received any response.
Consumer complaint received 2015-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for a loan modification with BOA back in XX/XX/XXXX because I could not afford mortgage payment, after almost of two years drugging modification 's process, with so many irregularities and delays, BOA offered me interest rate 1 % higher than the existing obligation. At this juncture, I have informed BOA on XX/XX/XXXX by fax, that I have elected to opt-out of the modification plan. My Customer Relation Manager, XXXX XXXX, informed me that will take XXXX business days to process it and I wo n't be in modification status. I applied for " XXXX '' program and I would qualified if I remove taxes and insurance from my monthly payment. BOA 's escrow department can not remove impound because my Customer Relation Manager, XXXX XXXX, does not want to remove warning code XXXX and lockout code XXXX that are saying that I am still in modification mode, but she sent me a letter on XX/XX/XXXX that BOA are no longer considering my request for a modification. This situation is preventing program " XXXX '' from being able to pay my mortgage payment as the current payment including impounds exceed their eligibility limit of {$3000.00} per month and I am currently unemployed and can not afford my mortgage payment. I called around XXXX times escrow department, customer services department, etc..but everybody told me that only my Customer Relation Manager, XXXX XXXX , can remove those codes. Since XXXX, I called and left a message to my Customer Relation Manager, XXXX XXXX, and her manager XXXX XXXX # ( XXXX ) XXXX so many times but they never call me back. This situation is putting huge stress on me and my family. I NEED HELP with this situation because my family is fooling a part from all this stress.
Consumer complaint received 2024-08-14
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. (NJ)

I have several unauthorized inquires on my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-12-09
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (CA)

I am a XXXX and am now entering my fifth year of XXXX. When I entered XXXX XXXX XX/XX/2011, I deferred both my federal and private XXXX student loans until I am out of XXXX XXXX. My private loan at the time was through XXXX XXXX, which is now Navient. This fall Navient informed me that I had a 48 month limit to my loan deferment, even if I have been enrolled as a full-time student this entire time, according to my promissory note. I found the promissory notes ( I have XXXX loans with Navient ) with the electronic signature from when I took the loans out, and there is no language that says I only have a 48 month limit for deferment. When I disputed that claim on the phone Navient representatives were dismissive, told me all promissory notes have a 48 month limit and that there is nothing I can do and I must pay now, and told me to send all correspondence via a mailing address, rather than dealing with this issue on the phone or online. Additionally they removed all of my original online documentation from XXXX XXXX when my account was rolled over to Navient. I have also paid for forbearance to temporarily lift my loans out of delinquency because they were charging $ XXXX/month payment and this payment is unreasonable. I expect that Navient should have the promissory notes in their accounts and quickly agree to honor our agreement either online or over the phone, and that they should allow me to keep my loans in deferment while I am still a student.
Consumer complaint received 2015-03-25
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I have written to Fidelity Credit Svc 4 times My 1st communication was to dispute this bill. I was quoted {$70.00} at the window I had XXXX people present with me I was to be billed for a consultation I spent less than 5 minutes with the doctor and medi-care would be billed They say I owe {$110.00} after billing my medi-care. I have sent them 3 additional letters which they first received XX/XX/XXXX with my requesting validation of this debt I again sent another request for validation which they received XX/XX/XXXX I SENT OUT A THIRD REQUEST FOR VALIDATION ON XX/XX/XXXX WHICH THEY HAVE RECEIVED and still no response from them nor have they deleted it from my credit reports Under the Fair Credit Reporting Act I have a right to dispute incomplete or inaccurate information and consumer reporting agencies must correct or delete inaccurate, incomplete or unverifiable must be removed or corrected. They wo n't even respond must less correct or dispute my claim I am exhausted from having to remedy my own complaints
Consumer complaint received 2024-08-14
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. (MI)

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/2024 and XX/XX/2024, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "
Consumer complaint received 2015-12-08
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (TX)

I honestly believe Citi Bank and Sears set out to defraud me. I was lied to by Sears Salesman to get me to buy a poor quality home improvement product which was poorly installed at an overly inflated price. I question the fact it was too high priced {$11000.00} for just the gable ends and XXXX lean to wall. I was told I was getting perks for example lifetime wholesale buying on any Sears product. I found out a month later this was a lie when I went to buy a washer at Sears. I called Citi Bank Sears Card complaining that I did not get what I paid for. I would be placed on hold or forward to another customer service in another part of the world. I never got to talk to the dispute dept until I stopped paying on the card this past XXXX 2015. I tried writing and calling two years but continue to make payments until XXXX 2015. I paid {$4800.00} which I want refunded. The siding is falling apart after year and half. I would have never bought this if I was n't made false promises to lure me in. Citi is constantly calling me telling me I owe over {$10000.00}. This is a joint corporate scam. Sears card should be shutdown. I am XXXX on a fixed income and was taken advantage of. I want my money back please and no blemish on my credit. Please help me.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Good day Iam XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL XXXX XXXX Last 4 ss # XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. Account name : XXXX Account name : XXXX Account XXXX Dates reporting NOT Accurate : XX/XX/year> Please fix this immediately as it is hurting my chances of buying a new home and IAM XXXX yrs old XXXX have NEVER missed a PAYMENT EVER! these late payments are NOT Accurate. Thanks for your help, XXXX XXXX XXXX
Consumer complaint received 2015-03-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION (PA)

the Sallie Mae web site is difficult to make online payments. The loan account numbers do not all show up in loan summary. I have to click on other loans to have them appear. Then the previous loans disappear. This site is difficult for me, and I have had too may years of experience with student loans. My last month payment was reversed, I did n't reverse it, the bank did n't and Sallie Mae did n't either. But, I paid a late fee because of it!! HELP!!! I fear that when my son graduates in XXXX, the site will be difficult for him and could result in loan default. PLEASE help fix this mess. I dislike having to work with these private loan companies. Then, trying to get an answer from customer service is exhausting. I asked to speak to a supervisor and was put on hold for 30 minutes. I HUNG UP! I have better things to do with my time.
Consumer complaint received 2016-02-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

XXXX XXXX XXXX, XXXX. successor by merger to XXXX f/k/a XXXX ( XXXX ) committed a bona fide error when they did not renew the original flood insurance policy for the property owner/borrower. XXXX committed another error by placing force placed flood insurance that exceeded normal market value prices. XXXX committed yet another error when they force placed hazard insurance while private hazard insurance was current on the property. See Attached documents. 
Collectively, XXXX 's errors directly caused the property owner/borrower to go into default because ( 1 ) the payment for force placed flood insurance was raised to an amount not affordable and not reasonable and ( 2 ) charges duplicating hazard insurance were included in the total charges for both unnecessary hazard and unreasonable and unaffordable flood insurances.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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/updated.

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.

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!
Consumer complaint received 2015-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

My husband passed 6 months ago, the mortgage from Wells Fargo was only in his name because of a bankruptcy I had several years ago. I waited for the first XXXX taxes to be paid and decided to pay off the home with the life insurance money. They sent the escrow check in his name the the bank Wells Fargo would not let me deposit it. We left his name on the account for any checks that came in his name. They started communication with the mortgage company and they asked for the death certificate and one was sent. They then sent a letter to my deceased husband telling him they could not sent the check to me. They then asked for a letter from the banker, that was sent, again they would not comply. They then asked for a copy of the will, again sent along with another death certificate, they stated that was not good enough. My lawyer then sent a letter stating that this was the only will and my husband was struck with a XXXX and that opening an estate account for just this would be a hardship to please return the escrow. Again they stated they now want a letter from the local court house. They will not even allow me to send the bill for the final tax of the year and pay it instead of sending me the money. Pennsylvania does not require an estate be set up if passing from spouse to spouse, this is the ONLY company giving me a hard time. I also now think I am entitled to interest on this money since they want to play this game with me. I have complied with every request they have asked for. I just want to pay my taxes with money that is rightfully mine.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My accounts with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was 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. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-02-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (NY)

For six ( 6 ) years, I have paid my student loans with Wells Fargo ( currently XXXX ( XXXX ) have outstanding balances ) on or about the last day of each month. On XXXX XXXX, 2016, I received an e-mail from Wells Fargo informing me of past due payments. Concerned, I reviewed by online banking bill pays at my deposit financial institution and confirmed the payments were sent. I then reviewed my online account with Wells Fargo, which confirmed the total payment amount was indeed received on XXXX XXXX, 2016. I called Wells Fargo and was informed that the payment was received, but, because a statement for XXXX ( XXXX ) of the loans had not generated by the time the payment was received, the funds applied to those XXXX ( XXXX ) loans did not advance the due date. In short, despite paying my loan, I am considered past due. I requested Wells Fargo to reapply the payments or advance the due date, whatever needed to be done to rectify the situation. I was told I could either make another payment or Wells Fargo would return the previous payment for me to submit again. I asked if Wells Fargo would credit my account for any additional interest accrued from XXXX XXXX, 2016, until whenever the funds could be returned to me and sent back in for payment and was told no. This means Wells Fargo is willing to allow my payment to be allocated toward more interest than principal, despite the fact that I paid my monthly installment on time as I have for six ( 6 ) years. I again requested my account be corrected and was promised a return phone call from the supervisor with whom I spoke by the end of business. I have not received a return call or further communication. 

Wells Fargo 's practice of having separate statement dates for XXXX ( XXXX ) loans in what is considered XXXX ( XXXX ) student loan account is deceptive. I receive statement alerts, but only for the generation of XXXX ( XXXX ) statement for XXXX ( XXXX ) loan. I have never had a problem with making one ( 1 ) payment at the end of each month until now. 
It is unfair of Wells Fargo to refuse to advance my due date and offer me only XXXX ( XXXX ) options that either cost me more money ( making a second payment ) or result in me paying more in interest by waiting for funds to be returned and sent back in.