davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cascade CISS Holdings, LLC (IL)

I am writing to complain to CREDIT PLUS about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number is XXXX. The FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Verisk Analytics Inc (PA)

I contacted Infutor / Verisk Marketing aka XXXX and requested that my record be deleted on XX/XX/2023. My latest report from XXXX XXXX shows that this company is still reporting my information
Consumer complaint received 2015-04-23
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIZENS FINANCIAL GROUP, INC. (AL)

To whom it may concern : I have been a lifelong resident of the great state of Alabama. I 've been active in my community, even XXXX for many years. I have owned multiple towing companies over the years, and I have owned my home for about the last 5 years. Unfortunately, due to a predatory loan and the absolutely despicable treatment I 've received from Citizens Bank, I 'm in danger of losing all that I have. 

The problem started when I refinanced my home in XX/XX/XXXX to remove the seller-backed financing I had on my home. I believed I had a standard fixed rate loan, but nothing about this loan was standard. My business had slowed, I went through a divorce, and eventually I became XXXX. But the real problem was that XXXX balloon payments came due on XXXX truck loan and XXXX unsecured loan that somehow got tied into my home loan ( they were all with Citizens Bank ). 

I had always been current on my payments. I just had no idea of these balloon payments. When I was made aware of this issue in XX/XX/XXXX, I went to Citizens Bank to see what we could do to solve the problem. I was given over to XXXX XXXX ; he 's supposedly the vice-president of the branch, but he does not act like someone who deserves that title. He did not offer any options for solutions, but instead told me I must pay the balloon payments or " lose it all ''. It seemed there was joy for him in doing this to me, like he had a vendetta. The truck was repossessed, and this vice-president told me he was " coming after everything ''. So I stopped making the mortgage payment, and he proceeded to pursue immediate sale dates. I 've held this criminal off, but he 's hell bent on taking my home!!! 

I 'm on a fixed income now, but I 'm not asking for charity. I can afford to make a mortgage payment. I was doing so until late last year when I ran into this XXXX XXXX character. A lowered payment would be great, but even the same payment would be acceptable. What 's not acceptable is being bullied by a hired thug into losing my home when I 'm willing to work out a solution. 

I 'm a kind person, but I 'm not a pushover. I 'm resourceful and will do what I need to do to save my home. Any assistance towards that end would be greatly appreciated. Thank you for your time.
Consumer complaint received 2015-09-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XXXX XXXX, I received an email from Bank of America because there was suspicious activity on my Credit Card. Someone had made a purchase for {$400.00} at a XXXX XXXX XXXX, MA. A second large purchase was attempted but declined. I informed a representative from Bank of America that the charges were indeed fraudulent. The charges were reversed from my account, the card was cancelled and my wife and I received new cards in the mail. 
Over two months later my wife and I shopped at XXXX and spent {$140.00XXXX. After checking out we realized that XXXX of the items we purchased was something that we did not need so we returned it and got a credit for {$29.00}. 
On XXXX/XXXX/15 a charge appeared on my statement for {$29.00} with the description " Fraud Dispute. '' I called Bank of America Credit Card Services and they informed me that it was decided that the charge was not fraudulent. I protested and upon further investigation and explanation, the representative told me that the charges were done by the computer system because it assumed that the merchant was issuing the credit ( for the fraud ) and they were taking back their credit. 
I stated that these stores were not even in the same area and that the amounts were not even close. The representative informed me that that was simply how the system worked. I caught this because I am someone who monitors my finances very closely and I fear that a lot of other people would not have caught it. I also question that if I return and other purchases from any XXXX that the credit I will get will be reversed by the Bank 's system. In the end the bank did agree to reverse the charge. I still however consider this a fraudulent business practice by Bank of America Credit Card Services.
Consumer complaint received 2015-04-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NC)

I sent a letter informing Equifax that I did not dispute their investigation in late XXXX. They never changed anything I asked. I was turned down for a mortgage because of this. I am attaching the original letter and XXXX I wrote today showing what I need done so my report is accurate. Please help!!
Consumer complaint received 2015-04-23
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (IL)

My son XXXX XXXX has an outstanding student loan with Navient/XXXX XXXX. On todays date, my wife and I received a total of XXXX telephone calls from XXXX the calls began at XXXX XXXX. and continued on until XXXX XXXX The majority of the calls from this number were answered by our voice mail answering machine and caller did not leave any messages. I answered a call at XXXX XXXX. and caller identified herself as being from Navient. She wanted to speak with my wife, who was not home at that time. I asked her the reason for the call and she refused to tell me. At XXXX XXXX, my wife called Navient and they informed her that my son 's student loan was 6 days late in payment of {$96.00}. My wife advised that she would tell our son to contact Navient when he woke up. At XXXX XXXX., Navient again called and again at XXXX XXXX I spoke with the rep. and requested that they stop calling us and we would inform XXXX to contact them. We received another call at XXXX XXXX and again at XXXX XXXX. at which time, I advised the rep that I would contact an attorney if they did not cease the phone calls We co-signed for our son 's loan and he has been consistent with his payments in the past. We feel that these actions by Navient are nothing but pure harassment and they need to be stopped
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (FL)

On XXXX/XXXX/XXXX I received a copy of my updated Experian Credit Report. In that report Experian re-posted Inquires that in a previous credit report sent to me by Experian dated XXXX/XXXX/XXXX informed me that a numerous of inquires that I have been disputing since XX/XX/XXXXhave been deleted. The following are the items that were deleted and now reflecting back on my Experian Credit Report having an extreme negative impact on my credit report and credit score. 
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, XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX ALLY FINANCIAL XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX Please Note : I am unable to attach the documents at this time but the documents can be supplied at your request via fax.
Consumer complaint received 2016-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

I was seeking a modification on my mortgage about four ( 4 ) years ago with this mortgage service company. However they set me up on a payment plan that I am not able to maintain. They said that they would do a modification about 2 years ago, but have been stringing me along ever since. I am eighty ( XXXX ) years of age with my only income from S/S of $ XXXX monthly. My house note is {$1100.00}. I had been maintaining the payments with the help of my daughter until she recently became unable to assist me. I want to keep my home.
Consumer complaint received 2016-02-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

Not only once, but twice i was told by Wells Fargo Bank that they could not help me out at all unless i was defaulted on my loan. The first time my husband was going to be unemployed for a short while, i had called in to let them know that i may be a little short on money the following month since we would be going without his paychecks and asked if there was some kind of payment arrangement that we could make. The person on the phone told me that they could not make any arrangements to help me unless i was at least 90 days past due on my mortgage. 
The second time, my husband was fearing for a layoff from his company because rumors were going around that they were going to be conducting layoffs. Around the same time he received a phone call from a company back east requesting that he come to work for them. In fearing for him losing his job he took the job offer and we moved out east. We put my house up for sale XX/XX/XXXX, and i called into Wells Fargo again. Again i was told that there was nothing that they could do to help me with my mortgage unless i was 90 days past due. I remember arguing with them asking them why they would n't want to help a customer who has never missed a mortgage payment instead of already putting them in a bad situation before they could help. Now it is over a year later, my husband and i have had a buyer interested since XX/XX/XXXX and we have still not sold our house. Our house is still in the short sale program, after being kicked out and sent into forclosure until i called repeatedly about it they put it back in short sale status. I have had over XXXX " case representatives '' assigned to my case in a year, i never hear from anyone, and the only time i hear from anyone is when i post negative remarks on twitter ( i can count on hearing from someone from wells fargo within 24 hours. ) Every time we submit paperwork, they say they have it and then a week or a month later they tell us they need the SAME paper that they just said they HAD! and now since i defaulted on my loan so that i could go into the short sale program as instructed by wells fargo ( since they would not help me unless i defaulted on my loan ) i can do nothing for the buyer who is so desperately wanting to get into my home. at this point the buyer is offering to pay more than what i owe on the home, but since there are penalties and late fee charges for not paying on my mortgage, i can not take a loan to pay the balance of the mortgage and just sell outright to this buyer, because i would not have enough to pay the penalties and late charges. Please help and make people aware that wells fargo prefers foreclosures over short-sales. They do not offer any help until you are 3 payments behind because it is so HARD to get back from a situation like this. They know what they are doing and what they are doing is wrong! If you would like more information please contact myself or my realestate agent.
Consumer complaint received 2016-02-18
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CT)

I signed up for what I thought was a {$1.00} credit report with Experian ( XXXX ). I was then charged {$24.00} for a credit monitoring service. I called the Experian and cancelled my " membership '' but they would n't return my funds. Unfortunately, I did n't see the fine print but this company is taking advantage of people. I would like my money back since I feel like I was taken advantage of.
Consumer complaint received 2016-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Metro Collection Service Inc. (CO)

I was served with paper work, for XXXX County Colorado. I went to file an answer. The clerk informed me that there was not a case number on the paper work. She then informed me that with no case number then there was no case. I do not owe any amount of money to their client, and they will not remove it from my credit report, as I am trying to use my V.A. benefits to buy a home. As I am XXXX XXXX, and my condition is getting worse.
Consumer complaint received 2015-07-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: DISCOVER BANK (PA)

From XX/XX/XXXX - XX/XX/XXXX, I attended graduate school at XXXX Washington University. I took out federal and private student loans to pay for school and housing needs. The total amount of private loan debt that I had taken out during that time was {$26000.00} with XXXX. After school, I had difficulty making payments since the interest rate was variable ( although I was almost certain that I agreed to a fixed rate only ). To make the payments smaller, I had consolidated the private loan with a fixed rate of 10.50 %. The loan was eventually transferred over to Discover Student Loans and I am currently in good standing with them. The current loan balance is {$33000.00}, in which I have paid {$18000.00} in principal and interest to date. I have tried to refinance my loan with several institutions, but I am continually denied. The reason that is given to me is that I do n't make enough money. I just had my XXXX child, and making these payments is extremely difficult. I would like to see the light at the end of the tunnel. I do not want to go into default, but I feel that I will be paying these loans forever unless I can get them refinanced to a reasonable rate. I do n't know what to do. I have sought the advice of an attorney and an accountant - both who feel that I do n't have any options except do very detrimental things to my credit and ultimately not be able work out a better deal for myself. I am desperately seeking advice on this! PLEASE HELP!
Consumer complaint received 2016-03-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NY)

I am contacting you for assistance in initiating a dispute with TD Bank in regards to excessive overdraft fees. I have a checking account with TD Bank and I am enrolled in TD Bank Overdraft Protection Coverage. However, TD Bank has been for a long time abusing this enrollment and excessively charging me fees. TD Bank does not properly allow their clients to be aware there are pending transactions on an account due to their outdated processing system which can take even up to three days to reflect an instant debt transaction on an account. TD Bank on Saturday and Sunday do not reflect any transactions not even as pending, then on either Monday or Tuesday they process transactions since Friday night and they are not processed in chronological order so they deduct from all those days ll at once starting with the transaction with the highest amount leading to multiple overdraft fees for transactions that were done when the balance was available. 

I was informed by multiple representatives of TD Bank that if an account goes into overdraft and the account is brought to a positive state on the same day by XXXX XXXX Eastern Standard Time an overdraft fee will not be applied. On Tuesday, XXXX XXXX, 2016 my account went into negative standing, However on the same day I made a deposit of {$22.00} at XXXX XXXX EST. which brought the account to a positive standing of {$0.00}, my receipt also reflects this. TD Bank charged me XXXX over draft fees of {$35.00} each. I believe it is unfair and misleading that TD Bank does this because there is no way for me to reference my transactions with them. Since this bank is not updating their processing system as mandated I can only go by the information that is provided. As I stated above my balance reflected a positive standing within the cut-off period of same-day processing. I attempted to resolve this with TD Bank directly ; I spoke to a manager XXXX in the New Jersey Contact Center but they refused to assist me and they were extremely hostile with me.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TEXAS CAPITAL BANCSHARES, INC. (TX)

I opened an account on XX/XX/XXXX and made a deposit. On XX/XX/XXXX the bank said my account was closed without my knowledge. I have not received my money. The only information they give is they sent me a check which I never received. I never authorized any transaction and never made any transactions after I opened the savings on XX/XX/XXXX. I just want my money back that was stolen
Consumer complaint received 2024-10-16
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)

My account with 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, 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 2015-04-22
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Navient Solutions, LLC. (MI)

General Revenue Corp is reporting to the credit bureaus that I owe a debt. I do not know any thing about this debt and I contacted them to try and obtain more information regarding the debt back in XXXX. They did not have any information other than an amount that I owed and requested immediate payment. 

I disputed the reporting to the bureaus and they came back as the debt being verified. As a follow-up to that I sent a letter directly to this debt collector requesting documentation and validation of this debt. 

I sent via certified mail with signature delivery. They signed for the package on XXXX/XXXX/2015. Per the FCRA they have 30 days to respond. I 've allowed them 37 days to account for time it might take for something to reach me by mail. 

This company has violated the FCRA in many ways and I want them to cease collections and remove all reporting from the XXXX bureaus or I will consider filing a lawsuit.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I submitted a dispute on my Equifax Consumer Report several times. The dispute consisted of an incorrect account number, inaccurate outstanding principal, and incorrect furnisher address. See attached XXXX XXXX statement that reflects the correct outstanding principal, the correct address, and the correct Loan Number. The redacted Equifax CRA report shows 1. XXXX XXXX incorrect account number 2. XXXXXXXX XXXX incorrect address 3. See the accompanied XXXX XXXX statement.