davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-23
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (PA)

Citibank, failed to mail my XX/XX/XXXX ( paper ) billing, never emailed or contacted me regarding nonpayment. I called, they said to pay the purchases of {$300.00}, which I electronic paid XXXX day later. They would consider removing the {$25.00} penalty and {$4.00} XXXX fee. They failed to remove, I called they claimed ca n't reverse the computer action. 
I become frustrated, decided to paid off the entire billing which amounted to {$1000.00} which included later XX/XX/XXXX purchases ( which included the penalty of {$25.00} and interest. I mailed a letter of complaint on XX/XX/2016 filing my complaint in writing to Citi Card located in XXXX, SD. They never responded, they again ignored my complaint. Now, checking on-line I see their latest billing statement of mine for the period of XX/XX/2016 to XX/XX/2016 a balance due of {$9.00} for additional INTEREST charge dated XX/XX/2016. I PAID THE TOTAL BALANCE IN FULL WITH PENALTY AND INTEREST ON XX/XX/2016. THEY NOW BILLING ME {$9.00} FOR INTEREST FEE DATED XX/XX/2016 AFTER PAYING THE BALANCE IN FULL. & lt ; This is totally unacceptable practice and illegal activity and I respectfully request a full investigation into Citi Card billing of interest on account after full payment. & gt ;
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

I have XXXX credit inquires on my credit in which I did not authorize : Equifax 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 and XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2016-07-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CITIBANK, N.A. (WA)

Prior to XX/XX/XXXX I knowingly and voluntarily co-signed on XXXX of my sister 's private student loans taken through CitiBank for her master 's program. Subsequently, beginning in XXXX XXXX and continuing through XXXX without my consent or authorization XX/XX/XXXX more private student loans were issued to my sister using my electronic endorsement. XXXX Bank purchased the loans at some point after the loans were issued. In XXXX XXXX, I sent dispute letters to XXXX requesting verification of the debt. In XXXX XXXX XXXX responded and insists that because my social security number, date of birth and address were provided on the request to open the XXXX additional accounts, they are valid and I am financially responsible. I sent a second series of letters to XXXX in XXXX XXXX challenging the validity of the endorsement and requesting information to demonstrate that the applications for each of the disputed loans were in fact endorsed by me. I also requested a copy of the assignment or purchase agreement between XXXX and CitiBank for each of the accounts. To date no response to the second set of dispute letters has been received. In XXXX XXXX I did receive a letter from XXXX informing me that the loans were delinquent. 
I have sent XXXX sets of disputes to the XXXX major credit bureaus for each of the six ( 6 ) loans based on the fact that I did not sign or authorize my signature to be used on these loans. Each of the agencies has responded and claim that their investigation shows that I am responsible for each of the loans and they will continue to report the delinquency for each loan. 
When all is said and done, while I did agree to co-sign on XXXX loans for my sister prior to XX/XX/XXXX, I did not authorize my endorsement for the private student loans taken in XX/XX/XXXX and XX/XX/XXXX. Also please let it be known that there is NO pending litigation on this dispute.
Consumer complaint received 2016-08-30
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

Cardholder purchased item that was defective using Citibank USA credit card while abroad in XXXX. Merchant refused return of item despite merchant 's documented policy allowing such a return. Citibank USA requested documents from cardholder to verify, and was irreasonable in what sort of documents cardholder could obtain while abroad for extensive portion of calendar-year. Cardholder honored Citibank USA requests for documents. 
For this XXXX 2016 purchase dispute, on XXXX XXXX, 2016, Citibank USA concluded to cardholder : " We previously contacted you requesting information necessary to complete this inquiry. Since you did not include all the requested information or documentation in your response, we are unable to assist you. Please contact the merchant directly if you wish to pursue this matter further. 
We now consider this investigation complete. '' Cardholder feels that he has honored all requests and been cooperative with Citibank USA during the 6 months of dispute and that Citibank USA has failed in its fiduciary responsibilities in handling this matter. Cardholder has suffered monetary loss of {$440.00} USD as a result.
Consumer complaint received 2016-08-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IL)

I once owned a home at XXXX XXXX XXXX, XXXX, IN. I moved out my house around early XXXX due to it being placed up for auction while I was working with a company to do a short sale so as to avoid foreclosure even after having the house on the market for months. Litton Loan Servicing led me to believe they were working with the company in this effort. I still had several pieces of property in the house when I returned home to find people in my house saying they had just bought the house in an auction. I became very very despondent and depressed. So now the economy is going up in flames I lose my job about 2 years later and during the time I 'm living in a XXXX bedroom apartment I watched other people get help with their struggles of keeping homes. Programs are developed to help people but I 'm left to eventually filed bankruptcy in XXXX. I did n't think anything of it when people spoke about lawsuits and prime lenders and other things. But i am currently searching for information on my situation resulting from Litton Loan Servicing who held my mortgage. Please assist with any information possible.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX XXXX Balance {$600.00}
Consumer complaint received 2024-09-26
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. (NC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX  Balance {$7100.00} XXXX XXXX XXXX XXXX  Balance {$61.00} XXXX XXXX XXXX  Balance {$300.00} XXXX XXXX, XXXX XXXX Balance {$46.00} XXXX XXXX XXXX XXXX Balance {$520.00} XXXX XXXX XXXX XXXX Balance {$19.00} XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX Balance {$4600.00} XXXX XXXXXXXX XXXX XXXX  Balance {$520.00} XXXX XXXX XXXX XXXX Balance {$700.00} XXXX XXXX BANK XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX  Inquiry : XXXX. XXXX, XXXX RFC XXXX # XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On or around XX/XX/2019, I sent a letter to the alleged furnisher XXXX XXXX XXXX courthouse asking the clerk do they report bankruptcies to the credit bureaus? I received a letter stating They do not report any bankruptcies to anybody. So if thats the case, how did Transunion credit bureau verify a bankruptcy as 100 % Accurate on my credit report?? TRANSUNION never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Transunion and LCI also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2015-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Norwich Commercial Group, Inc. (MA)

I have a loan currently held by XXXX, who purchased the Loan from Norcom. My mortgage has never been late and is consistently paid three months in advance, but the escrow is now in discrepancy for over {$1400.00}. Let it be known that insurance and taxes are figured into the monthly loan amount. 
XXXX bought the loan from Norcom taking it over XX/XX/XXXX. XX/XX/XXXX I received a check from XXXX for about {$240.00} for an overage in my escrow account. I did n't cash it because later that month I received a letter of demand from the town demanding payment for a year of unpaid property taxes ; there was an obvious error and I did not want to compound it. I got in touch with the town to confirm they had n't received the taxes and then contacted XXXX to resolve the issue. XXXX paid the town taxes. I then received a letter from XXXX stating that my escrow account has a shortage {$1200.00}. I contacted XXXX to dispute and was told that it was not their issue and I had to take the issue up with Norcom. I contacted Norcom and Norcom stated that they were not responsible because they had the loan serviced by XXXX for a short time, approximately a year. I am currently awaiting a response from XXXX. 
The facts are that I have faithfully kept my end of the deal and have also gone above and beyond by staying 3 months ahead of scheduled payment. The XXXX variables, property tax rate and insurance premiums, have been audited on a regular basis and my mortgage payments were adjusted to keep pace. For this discrepancy to occur my taxes would have to have doubled over the course of a year, they have not. It is striking that the amount that is in discrepancy is the same amount as the property tax payments that were never received by the town. XXXX, Norcom and XXXX have taken no responsibility to make sure all funds, that I have worked for and provided, were properly accounted for, transferred or distributed as they serviced and transferred my loan between themselves. They are now trying to force me to financially compensate for their error/errors.
Consumer complaint received 2022-06-21
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. (PA)

n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX - TOTAL VISA : XXXXhas violated my rights. 

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

To whom it may concern, I am writing to delete the following information in my file : BANK OF AMERICA XXXX It shows that this account was opened in 2017. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
Consumer complaint received 2016-10-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CT)

I am writing to complain about JP Morgan Chase refusal to credit my mortgage account with late charges in the amount of {$300.00}. These charges incurred in the account over five years period and were caused of technical issues on Chase.com own website in processing my payments on time. To date, the full mortgage balance has been paid off including all fees involved. I strongly believe that Chase should credit me the amount of {$300.00} since these charges were beyond my control. I had a strong history on making my payments on time. 
Sincerely,
Consumer complaint received 2015-08-11
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ad Astra Recovery Services Inc (TX)

I received a copy of a payment demand letter from Ad Astra Recovery Services that was included in forwarded mail from another address. I did not live at this address at the time this payday loan was applied for. I requested validation of this debt under the Texas Finance Code Section 392.202. Ad Astra did not respond to the request but they continue their collection activity by continuing to report the account to the credit reporting agencies. They also verified the account as accurate XX/XX/XXXX and XX/XX/XXXX but were unable to provide copies of contracts, agreements., etc.
Consumer complaint received 2015-10-10
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CASHCALL, INC. (CA)

This company has called friends of mine, referrals that I placed on prior application loans and told him he 's an attorney ( although he 's not ... when I spoke with the rep he said he 's with XXXX XXXX 's law office ). They 've discussed my debt with other people, they call other people ( friends and family of mine ) on their cell phones and scare them telling them they 're an attorney and that I must call them. They call me several times a day, they 're making false statements, bothering my friends and family. I have never gotten anything from them in writing. I asked them to stop calling me that I 've disputed this debt on my credit report and they said I have to send them something in writing. I 'm about to send them a certified letter in the mail.These people are thugs and no attorney in California who is still practicing should put his name along with these types of blatant tactics that are obviously against the law. They do this to helpless people and think they can get away with it by quoting this man 's name XXXX XXXX XXXX of XXXX XXXX XXXX. and he knows their tacts. I 've read hundreds of reviews from other people regarding him and his obvious and I ca n't believe they 're still in existence and that they can continue to treat people like this. I hope that this organization can do something about this. They threaten legal action saying they 're going to summon me and take me to court on a loan amount that I have no idea {$18000.00} when the original loan was {$5000.00} and half of it which I paid off to them.
Consumer complaint received 2017-02-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (VA)

Navient ( formally XXXX XXXX ) is a nightmare of a company to work with. When I first signed up with them back in XX/XX/XXXX, i was told that I would be eligible for a payment plan after i was done with school and the grace period had ended. After my Graduation in XX/XX/XXXX, I was then told I was INELIGBLE for any of their payment plans. I was a new college grad, still looking for work, and I was being billed {$700.00} for my first payment. I tried to tell them I was unable to pay that much, and was told there was nothing they could do. I was only able to make {$430.00} dollars out of the {$700.00} after taking up private work commissions to help make the money. My next bill was almost {$900.00}. due to the late fees, interest, and the new bill. 

I called crying, telling them I was an XXXX for hire ( considered unemployed as i did not meet the requirements ), looking to additional work and unable to make such large payments so fresh out of college. I was against told I was ineligible for the payment plans they offered. I was offered some payment plan I never saw advertised that required me to pay {$120.00} for the first XXXX months and then would be {$370.00} thereafter. I took it, but that still proved too difficult, Since they had split my loans between XXXX sides. XXXX having XXXX and Navient with the others. I was told that If I missed even XXXX payment, the plan was then null and voided. I unfortunately fell on financial problems. Despite paying the loan the next day once I received the money, i believe i was taken off the program, and my payments are once again on the rise past what I can manage. 
I was never informed I could ask them to allocate each payment. I was never told that i could relieve my co-signer, they have lied to me about being able to receive and affordable payment plan, and despite my informing them several times about my unemployment, they have chose to ignore it and keep raising my payments. I no longer know what to do as I feel i have exhausted all options.
Consumer complaint received 2016-08-30
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Navient Solutions, LLC. (MD)

From XX/XX/XXXX-XX/XX/XXXX I attended XXXX XXXX in XXXX XXXX, MD. During this time I believe I was mislead about the cost of my attendance and the terms of my private loans. In addition I was deliberately mislead during enrollment and when I asked about how the cost compared with community colleges I was told that that cost would only be a little more for what was termed a " superior '' education.
Consumer complaint received 2015-06-28
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Mid-Atlantic Consumer Services (NJ)

Contacted by midatlantic conumser credit about a debt that is beyond the statue of limitations. Provided to me when requested no statement or proof that i owed the debt. I willingly gave them a settlement payment however when i tried to contact them to change the date of funds the number is disconnected and the person that gave me their personal number does not return any calls. I contacted my bank and stopped the payment. I believe i am being scammed by this company and have seen over the web that other people have had this experience with them as well. I would like to report them and have an investigation opened. The kept calling all my family members about my debt and all different phone numbers were used. and any of those numbers were not in service after i tried to call them back. Please look into this as they are trying to extort money in very bad ways. Phone number used that is not in service is the following XXXX Mid-Atlantic Consumer Services '.
Consumer complaint received 2016-05-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HUNTINGTON NATIONAL BANK, THE (MD)

Mortgage originated XX/XX/XXXX with XXXX XXXX - XXXX XXXX was paid off through a refinance with the same bank XX/XX/XXXX. The mortgage filed XX/XX/XXXX book XXXX page XXXX was never released. XXXX XXXX was eventually acquired by Huntington Bank. Requests for the release have been made via e-mail on XX/XX/XXXX and on XX/XX/XXXX, the requests included the title search showing the old mortgage as well as the HUD-1 showing the payoff. When I spoke with Huntington 's customer service on XXXX I was advised that all items submitted through XX/XX/XXXX had been completed. I re-submitted to the e-mail address they verified on XX/XX/XXXX. I spoke with them again today and keep being told there is no incoming phone line to their paid release department so the can not answer my question as to where is the release or what other information may I provide to assist. Really, no incoming phone lines to a department in a bank? 

Mortgage customer service tells me they can only go by the messages they receive from the paid release department advising them of the submission dates that have been cleared. I have a Home Equity line with another bank that is expiring and the lack of release is precluding us from going forward with a new line. The title company, XXXX XXXX that handled the remote closing ( in my dining room ) is no longer in business. Attached you will find copies of the HUD-1 and additional documents from the refinance that paid this loan, as well as a portion of the title search showing the unpaid lien.