davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I submitted a complaint on XXXX XXXX, 2016 but so far have heard nothing except it is in process. I need to include the attached to # XXXX. 
Specialized Loan Servicing denied our XXXX wire transfer payments & sent a fraudulent Notice of Foreclosure letter. They have not updated our mortgage statement all year including the last XXXX cashier 's checks paid. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2016-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (MD)

I was advised to consolidate my federal Parent Plus loan taken out for my daughter 's education with my regular federal student loans taken out for my own education. Now I am not eligible for lower payments using the REPAYE program because the XXXX Parent Plus loan consolidated makes all the loans ineligible. The Parent Plus loan is less than XXXX % of the total owed. Now I am told there is no way to extricate the Parent Plus loan and my monthly student loan payment is over {$1000.00}. I feel that I was not given adequate information by all parties involved ( Federal government and lender ) about the ramifications of including the Parent Plus loan in my consolidation. I also feel the REPAYE loan eligibility requirement that states any amount of Parent Plus loan in a consolidation of other loans that would be eligible is draconian and discriminatory if no option to remove the loan from the consolidation is offered.
Consumer complaint received 2016-08-08
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY (CT)

American Express customer service representatives failed to resolve a simple issue even after 6+ hours on the phone, and talking with 10 individuals. Each call lasted 1-1.5 hours with an average of 4 individuals, with each call claiming to have resolved the issue. They would place me on hold and leave me with a new customer service representative with no warning, transfer me to departments that were unrelated to the issue at hand, and would place me on hold for 20-30 mins without warning. I 'm not an angry person, I did not yell or otherwise get verbally short with the representatives ; rather, it was clear they did n't want to manage my request ( re-issuing a billing statement ). Not only was American Express difficult to reach, they were incapable of quickly and responsibly addressing my concerns. To date, it is still not resolved.
Consumer complaint received 2016-06-30
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (MD)

Suntrust Bank employee XXXX XXXX violated my financial privacy when he provided my solely owned bank statements to a third party without consent of the owner or order of the court. The release of my information took place XXXX XXXX, 2013 in the XXXX District Circuit Court for XXXX XXXX County, XXXX XXXX, Maryland in Room XXXX.
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Credit Karma (CA)

I have been trying to get Credit Karma to update my correct address. I have provided them hard proof yet they keep telling me that XXXX is giving them the information. XXXX sent me XXXX hard copies with my proper address. Credit Karma refuses to correct the incorrect information. XXXX has tried to contact them but Credit Karma is not changing the information to match. The issue is my address is XXXX XXXX XXXX not XXXX XXXX XXXX XXXX. This makes it difficult to give my credit to people to check because the information will not match and Credit Karma refuses to put the correct information. I am attaching all my emails from Credit Karma and from XXXX. Please get Credit Karma to do the legal thing and make them change the information to match, so all my credit bureaus information matches. Thank you
Consumer complaint received 2015-09-14
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: Law Office of Michael J. Scott, PC (TX)

On XXXX a legal order XXXX with a number following it garnished XXXX plus XXXX bank fee from my XXXX XXXX XXXX savings account. The only money in that account was backpay from a VA XXXX claim and my VA XXXX monthly deposit. I can not work now due to my XXXX and am rated XXXX with individual unemployment. I recently had XXXX so it will soon be upgraded XXXX I ca n't work now so I depend on that money for my living expenses. The company was XXXX XXXX XXXX as assignee of a judgment rendered in XXXX XXXX XXXX XXXX. Their attorneys Scott , Parnell & Associates , PC out of XXXX, TX filed it on XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas. The first I knew about it was on XXXX when I checked my bank account. I went to the bank but they could not tell me anything about it. When I came home the mail had arrived and I received the court papers which I do n't understand but at least I know who did it now. Papers received on XXXX.
Consumer complaint received 2016-12-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (CA)

Regarding Fay Servicing LLC. With our XXXX payment, we included an additional {$1100.00} to increase the balance in our tax escrow account. It was noted as an additional payment on the remittance coupon. Fay did not credit to the Escrow account, rather, applied it as a " Principal Reduction '' payment. On XX/XX/XXXX, I contacted Fay regarding their error. I was promised that it would be corrected. Despite an additional phone call during the week of XX/XX/XXXX, the error remains uncorrected.
Consumer complaint received 2024-11-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (IN)

XXXX placed IC System collection account on my credit report without first giving me the opportunity to challenge this debt. XXXX could not provide documents that insured that this account is accurate. There is no purchase agreement, signature or consent from myself to allowing IC System to contact me. Having this account on my credit report without validating it, is illegal and that is a fair credit reporting act violation. Please help me get this off my credit report.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I called XXXX XXXX in XX/XX/XXXX to discuss that my hours were reduced and I needed some assistance to help me reduce the amount of the payment required each month. I was told that I had to default XXXX month before I could receive any help with their financial program. I refused to be late on my payments and decided to pay what was required each month. I called XXXX in XXXX to ask why I had no credit available when I did and I was told by a representative that I called in and requested to close my account. This was not true. I never asked that my account be closed because I knew that this would reflect negatively on my credit report. I asked them to investigate who reported this information to the credit bureau and I was not able to get an answer. I also requested the tape be reviewed that records the calls when a call is made to speak to a customer representative that is suppose to be taped for quality purposes. I got no response from them. I sent a letter disputing that I closed the account. I never received a response from them. The resolution im looking for is for XXXX to admit that falsely reported to the credit bureaus that I requested to close the account when I did not. Admit that they closed the account on their behalf for no apparent reason. I tried to do the right thing by contacting my creditor to let them know I was experiencing some financial hardship seeking some kind of remedy to help my to stay on track and my obligation to pay my debt as agreed. Instead, they lied an reported erroneous information to the credit bureaus destroying my credit rating.
Consumer complaint received 2016-02-05
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: LDF Holdings, LLC (WA)

I have made my payment in full before the terms ended so that i would not have to be charge excessive fees for carrying out the loan to the full term and when i paid it i almost paid double from what was loaned which was {$600.00} and i ended up paying {$1000.00}
Consumer complaint received 2015-09-28
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (NM)

I sent payment to Sears Credit card this past XXXX XXXX in the amount of {$200.00}, when I saw that payment had not been posted to my account on following statement I called Sears Credit card and spoke to a customer service representative, Since I sent a XXXX XXXX money order I submitted a trace and received a response that payment was received. I contacted Sears again and spoke to someone and stated that I submitted a copy of Money order trace, the person that I spoke to put me on hold and told me that yes they had located my money order and that my payment would be credited to my account shortly, several weeks lapsed before I called again and was told by a customer service representative that my payment would post the following Monday, a few days away ( this was about a month ago ). I then called last week and spoke to a customer service representative and she stated that payment had not been received, that she would refer my issue to the billing investigative department, I 'm back to square one. Sears Credit card has my payment but will not post my payment to my account.
Consumer complaint received 2015-12-16
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: LDF Holdings, LLC (IN)

I was in need of money and I decided to get a payday loan, but I made the mistake of doing it online. I got matched with multiple lenders and they called me in the first stage with what they had to offer. I renewed a little later again with them since I almost lost all my money paying it back to them. So, now I am short of money again and I re-borrowed. The interest rates they have and the number of loans are prohibited by the State of Indiana. Also, these loans and their companies are illegal and not licensed in State of Indiana. I talked with Department of Financial Institutions ( DFI ). They said these are illegal practices. They suggested I close my bank accounts and call out these lenders who get people sucked into traps like this when they can not actually even offer or enforce these based on the State Laws. DFI suggested that I log a complaint against such institution here at cfpb Lendgreen : {$1000.00} https : //www.lendgreen.com/
Consumer complaint received 2015-06-17
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (TX)

I have a Banamex USA credit card. I recently called the company to complain about my credit card strip not working. In addition, I also spoke about difficulty with my pin not working. I was mailed a new card but I am unable to use it. I 've called the company numerous times during regular business hours and I get a recording that tells me to call back during business hours. My concern is that they are unresponsive and they have access to my bank account information ( monthly payments ). I 've called and I 've emailed Banamex USA ; I do n't know what to do.
Consumer complaint received 2016-07-15
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (NJ)

Was sent new card by the credit card company in XXXX of 2016. Made a charge in XXXX or XXXX of 2016 of {$45.00}. XXXX statement has balance of {$45.00} but I never received any statements from XXXX through XXXX. Received an email today on XXXX XXXX, 2016 that there was a small payment due on my account so I logged on to make the " small payment ''. Upon logging on I found that my balance was {$100.00} because I never received any statements, I was charged a late fee in XXXX and then a late fee on top of that in XXXX for a total of {$63.00} in late fees. The original charge was less than the late fee charges. I then tried to contact Citi Card via phone but recieved the message " due to high call volume we can not take you call '' and I was disconnected. Then after several attempts online I was able to chat with somebody online. However the chat person said they were unauthorized to remove the late fee and that I had to call the company. They also said I could not talk to a supervisor via chat. I made every attempt to get this resolved but received no help or customer service from Citi Cards. It is incredulous that a company can prevent me from trying to resolve my account. My chat person 's name was XXXX. In the end they told me try chatting again another time. The is unacceptable.
Consumer complaint received 2015-08-25
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX keeps calling and harassing me about a debt she can not validate. But, the debt is not in default and I have not been contacted by my creditor regarding this company. They are trolling. When I asked them to identify themselves and the nature of their business, they refused. When I told them I do not do business over the phone, they threatened me. " Then suffer the consequences! '' And, " It 's too late for all that suffer the consequences! '' She sent me a correspondence XXXX XXXX, with no knowledge of any creditor and trying to sign me up for XXXX. I have no debt in default ; I 'm XXXX months late.
Consumer complaint received 2015-03-19
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (WA)

I opened a credit card account with Macys in XX/XX/XXXX. The sales associate put my old mailing address from my license which I did not notice at that time because he did not ask this question of my current mailing address. I wait for my card to arrive in the mail for a month but I do n't get one. So I decided to give a call to their customer service number. I mentioned to the representative that I do n't have the card with me, but I like to make the payment and I confirmed my identity as was asked by the representative. she insisted that she ca n't take the payment till I have the card with me, so I reasoned that since I do n't have the card and I do n't know my payment due date, I will be late on making payment and then you guys will charge me late fee. she was not willing to tell me my due date, but agreed to take the payment after talking to some other person. after while she says the payment processing system is down and I should call back to make the payment. I call back in a couple of days again to make the payment and I am told that it is late now. I told them that the other day another representative was n't willing to take my payment and was n't willing to tell my due date, so how can I make the payment on time? After another month, I call back to make another payment and I repeat the same thing that I still have not received my card yet, but would like to make a payment and not sure if I am late on making payment. This time the representative tells me that I have missed the due date. She offers to verify my mailing address and then I tell her if my old address is on record. she tells me that this is the case of old address on record. she tells me that she will go ahead and update mailing address and send me a new card to that address and also wave the late fee because it was n't my fault. She told me not to worry about late fee being charged. I receive my card this month and I log into my account to find out that I am charged late fee in the last two months, so I decide to give them call again. This time the representative tells me that what do I want him to do even after explaining all the situation. when I ask him to reimburse my late fees because it was not my fault and I did my part to reach out every time. he says everything is being documented, but he can only reimburse {$18.00}. I said how is that possible since I was not at fault and I was assured of not being charged late fee. And when I tried to make the payment on time, the representative tells that their system is down. so I feel that they are using the deceptive practices of charging customers late fees under the pretext wrong policy of not sharing the due date even after verifying their identity and not taking the payment before due date so they can put the blame on the customers after the due date is passed. I am sure I will be vindicated if their recorded calls record is asked for as they will not share that with me. All I asking for is to wave those late fees as I was not at fault at all. Please guide me for the right remedy for this problem.
Consumer complaint received 2016-08-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A. (IL)

I currently have an outstanding student loan with Citibank. In XXXX 2014, I spent time reviewing my account online in search of a method to increase the auto-debit from the minimum payment to a higher amount, like banks allow you to for credit card payments. I could not find this functionality and so I called the customer service line to inquire how to do so. The customer service representative advised accountholders could not do that on their own, but the customer service representatives could at our request. Therefore, I requested the amount to be withdrawn each month be {$150.00} and the additional $ XXXX be applied to my principal. The representative had me wait on the line a couple of minutes as they executed the request, advising they could n't withdraw an even {$150.00}, but it would be a mere few cents over. Confused, I asked why and they advised it 's just how their system is. I advised that although weird, that it was fine as long as the extra was applied to principal. They then confirmed everything had been taken care of. However, now I have heard from some that many loan providers incorrectly modified the loan schedule for the higher payment, instead of keeping it the same and just adding the extra payment amount to principal - which could qualify as a UDAAP violation. Additionally, that the incorrect loan information ( including minimum payments ) is being provided to the credit bureaus - which is a FCRA violation. I called into Citibank last week to ask whether this was the case - changing the loan schedules vs. applying the extra amount to principal - and their people even confirmed it! They advised there is no way for them to increase the amount withdrawn each month except in doing this, but that I should have been advised. I asked how has this affected the interest I have paid, and they are claiming there is supposedly no impact, but that makes no sense. Please help!
Consumer complaint received 2017-03-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (SC)

I had XXXX fraudulent transactions occur on my Citi credit card totaling to almost {$900.00} so I called and informed them. The transactions occurred on XX/XX/XXXX and the XXXX, I called and reported them on XXXX. XXXX of the fraudulent transactions were handled by the XXXX however I still have the XXXX most expensive still on my account today, XX/XX/XXXX XXXX. I have called four times all together now, each time I was told that things were still being handled until today. Today when I called, I was told the XXXX transactions that were still on my account have actually never been reported although I have called in three other times and told them the exact name of the transactions and the exact amount and reported they were not my charges. I also spoke to an online representative about the situation. My complaint is why was it not handled until today and why was it never noted as reported even though I have called multiple times. Now since the charges have been on my account for some time I believe it has affected my credit score, not much but to my understanding it should not have affected it at all. I was told today that the credits should be posted to my account within the next five to seven days and the person I spoke with today reported them while I was online but the transactions should have already been reported based on my calls.