davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

Dear National Credit Systems , Inc., I am writing in response to your recent communication regarding the account associated with XXXX XXXX. I appreciate your attention to my initial dispute, but I must reiterate and expand upon my concerns regarding the validity of this debt. 

Key Issues : Fraudulent Documentation : The documentation provided by XXXX XXXX XXXXo substantiate the debt includes a lease agreement bearing a computer-generated signature. I did not authorize this signature, nor was I ever a resident at XXXX XXXX. Given that the signature is computer-generated and not manually signed by me, the validity of this agreement is highly questionable and likely fraudulent. 

XXXX  During Alleged Debt Period : As stated in my initial dispute, I was XXXX  during the period when this debt was allegedly incurred. It is impossible for me to have resided at XXXX XXXX during that time, which further invalidates the claim that I owe this debt. 

Failure to Provide Adequate Documentation : The Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) require you to provide adequate and legitimate documentation to substantiate any claims made against me. The documentation provided so far fails to meet this standard. A computer-generated signature does not constitute proof of residency or obligation, particularly in light of the fact that I was XXXX. 

Legal Violations : Your continued reporting of this debt, without proper documentation and in light of the evidence I have provided, constitutes violations of the FCRA and FDCPA, including but not limited to : FCRA Violations : Section 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing information with errors or omissions, leading to inaccurate credit reporting. 
Section 1681s-2 ( b ) : Failing to conduct a reasonable investigation into the disputed information.

FDCPA Violations : Section 1692e : Using false, deceptive, or misleading representations in connection with the collection of a debt.

Section 1692f : Using unfair or unconscionable means to collect or attempt to collect a debt. 
Consultation with Legal Professionals : At this time, I am not formally represented by an attorney. However, I have consulted with XXXX XXXX and XXXX XXXX, XXXX, who have both agreed to pursue litigation on my behalf if necessary. Should I choose to proceed, the cost of litigation will significantly exceed the disputed amount of {$3000.00}, and I will seek damages for the harm caused by your unlawful actions. Additionally, for each violation, I am entitled to {$1000.00} in statutory damages under the FCRA and FDCPA.
Consumer complaint received 2021-08-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (MN)

To whom it may concern : I have been trying to get a help from my mortgage company but they have been unresponsive. I now have a foreclosure sale date and about to lose my home because my lender is not responding. I reached out to a counselor to get help because I have not been successful with my lender. XXXX XXXX reached out to her today and submitted the loan modification paperwork. I hope that this complaint will get there attention in getting assistance.
Consumer complaint received 2024-08-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: U.S. BANCORP (FL)

the Office of Comptroller of the Currency ( " OCC '' ) and Federal Reserve Board of Governors ( " FRB '' ) each issued consent orders ( the " Consent Orders '' ), charging that U.S. Bank had " failed to devote to its foreclosure process adequate oversight, internal controls, policies, and procedures, compliance risk management, internal audit, third party management, and training ; and failed to sufficiently oversee outside counsel and other third-party providers handling foreclosure-related services. '' ( Id. 11. ) The Consent Orders " required U.S. Bank to remedy these issues. 

I am a person who was injured by these failures. 

US Bank has failed to remedy me for my injuries despite me asking, US Bank and it's in House Counsel continued to injure me in retaliation for me reporting and asking for remedy.
Consumer complaint received 2021-03-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

MB financial sold my mortgage to fifth third bank in XXXX. I paid faithfully since XXXX when I bought the house. I received a letter in XXXX saying my taxes were not paid for 3 years. Fifth third bank held my escrow account money and never paid my taxes for 3 years. I received a letter saying they paid XXXX for the whole 3 years of taxes finally and now wants me to pay back my own escrow acoount the XXXX XXXX dollars. They also raised my mortgage from XXXX per month to XXXX per month! What did they do with 3 years worth of my escrow account money?? Now I will lose my home????
Consumer complaint received 2024-08-18
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VT)

Nissan account number XXXX was included in a bankruptcy but nissan has it as a chargU.S.C. 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that is part of Title 15 of the U.S. Code, which covers commerce and trade. The section includes congressional findings and a statement of purpose that governs access to consumer credit report records and promotes accuracy, fairness, and privacy. 
The section also requires consumer reporting agencies ( CRAs ) to : e off 15 u.s. codes 1681 ( c ) 2
Consumer complaint received 2024-08-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION (IA)

HSA Bank and Webster Bank manage my HSA ( Health Savings Account ) account. 

On XX/XX/24 I asked XXXX to initiate a transfer of assets from my HSA from HSA Bank to XXXX. They faxed the required information to HSA Bank, but HSA Bank did not respond. 

XXXX faxed again on XX/XX/24 and the request was ignored. 

On XX/XX/24 I called both XXXX and HSA Bank and confirmed the correct fax numbers and account information. XXXX re-faxed the information on this day ( XX/XX/24 ) again and the request has been ignored. 

On XX/XX/24 I called HSA Bank again to understand why the transfer of money had not taken place as instructed. I was put on hold and then hung up on.
Consumer complaint received 2024-08-13
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Recovery Solutions, LLC (CT)

They are stating they wont take any payment at all unless i pay 10 % of the total debt first. On XX/XX/XXXX XXXX i spoke to someone regarding it and I told them i can afford to pay them XXXX a month but they said they cant do that until the initial XXXX XXXX is paid. They said they would converse to see what they could do and lowered it to XXXX XXXX for the initial split up into 4 months which is still too much for me. I then requested the loan documents from the original lender to be sent because I dont have enough information and Im trying to pay what I can afford and its not being accepted. I understand if thats the debt I owe but Im still trying to pay something and they arent accepting it until they get their percentage.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (FL)

I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt because I have never done business with your company. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me.
Consumer complaint received 2024-08-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BTH Management (TX)

I am not liable with this debt with XXXX XXXX. I do not have a contract with Plaza Services. Plaza Services has opened on my credit report as of XX/XX/XXXX and last reported XX/XX/XXXX and have not provided the original contract as requested XX/XX/XXXX. I have been threatened multiple time with contacting 3rd parties and seizing assets. I want my credit report corrected. I demand this account this account that was opened XX/XX/XXXX to be removed from my report.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NY)

When I XXXX  from XXXX  I got XXXX credit cards. The one in question is my Forever 21 credit card which was paid everytime it was used. I went away to college and never received the bill in the mail. They did not send me an ebill or even an email telling me payment was due. My name on the card is also spelled incorrectly. When I got home from school I received a call stating I am 90 days late on payment. I explained my situation and they removed all of the late fees. I paid off the remaining balance that same day. The bank told me this would be taken off of my credit report since I paid the balance and they removed the late fees. That was in XXXX the late payments are still on my credit report. I have sent XXXX letters to comenity bank and XXXX letter to all of the major credit bureaus. Comenity bank sent me a letter telling them to contact them at a specific number. Which I did. They told me that since the late fee was from XXXX they could not help me. I needed to send a letter to the dispute department. Which I did. I have still not received a response from any department. I just would like some help to get this off of my credit report. I have never had a late payment on any of my cards.
Consumer complaint received 2021-03-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

My elderly mother recently passed, my children and I have been affected by covid-19. 
I contacted my mortgage company XXXX XXXX XXXX to request a forbearance. I was told there was not any Corvid-relief for me and my family. Spoke with XXXX a supervisor requested the forbearance she told me the only option available to me was to sell my home by short sale. I asked about President Biden forbearance extension for mortgages she replied I did not have that option. My mortgage company has been difficult to work with and they refuse to help me keep my home. I need Help for me and My children. I have a foreclosure sale date for XXXX XXXX.
Consumer complaint received 2024-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: WELLS FARGO & COMPANY (NY)

This relates to XXXX XXXX XXXX  There are XXXX specific issue : XXXX ) There is a pervasive error in which they communicate the XXXX reset date as 1 month later. They are instead providing customers the first month payment due after 1 month of XXXX  XXXX. 
XXXX : The letter and their online banking system reminder states the XXXX XXXX  date as XX/XX/XXXX. They Reset the rate on XX/XX/XXXX. XX/XX/XXXX is the first payment due after 1 month of the new rate. 

XXXX ) They conduct the loan calculation on the wrong principal amount. 
The letter sent to customers is between XXXX months before the reset of the loan. So an XXXX loan might have a letter dated in XXXX. They do a calculation at that time assuming no additional prepayment of the loan. This becomes the new payment regardless of whether additional principal is paid down during the XXXX months. 

Given this rate environment AND ALSO the fact people are paying down, this is not a small difference. I calculate for item XXXX my new payment is over {$100.00} from what it ought to be on the principal balance. If I add in additional principal I have already paid and further intend to pay by XX/XX/XXXX then the number is quite high. 

In a falling interest rate environment, particularly if the XXXX  moves are > XXXX this is a significant calculation error. 

When I asked their customer service, they didn't appear to understand any of the above or its implications. I got tired of trying to escalate this properly as their only response was that the letter said the XXXX reset is in XX/XX/XXXX and therefore the mortgage payment is correct ( both of which are false, aka they are clearly resetting XX/XX/XXXX, and the calc on payments is clearly from XX/XX/XXXX assuming no additional principal payments ). 

I suspected this was done last year in 2023 as well. But I didn't have time to really catch them as I was traveling.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

At the beginning of XXXX I took a copy of my aunt 's ( XXXX XXXX ) Durable Power of Attorney to the Citizens bank located at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, NJ XXXX to be added as a signer to the account as per her wishes. I was told by the bank XXXX that they could not accept a copy of the document, and I'd have to bring in the original. My aunt is bed bound with XXXX  XXXX and can no longer go to the bank in person. 
On XX/XX/year> I took the original copy of the Durable Power of Attorney to the same branch and was told by the bank XXXX this time that their legal department claimed the document wasn't valid. I asked for specific reasons why and was told " They only gave me very broad answers, but your attorney should know why it's not valid, and it's your attorney that is going to have to tell you why. '' I explained that the document was created by an attorney, but to no avail. 
The POA documentation is signed by my XXXX and myself, names me as her designated POA with full decision making for all financial decisions and is notarized with a raised seal and stamp by the XXXX of Pennsylvania. 
The bank still has a copy of the document which they made from the original at the branch.
Consumer complaint received 2024-08-20
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (IL)

Both of my Student loans were purchased by an new Student Loan company. The previous company is still reporting delinquent payments even though it is showing a {$0.00} balance. I have reached out to both my current and previous Student Loan companies to find out why it was reporting. I first spoke to my Student Loans. After explaining the situation to them, they said I had to contact the previous company. I then, got off the phone with them and proceeded to call them. The previous company said that I had to call the current company to fix the situation. I asked both companies when the Student loan was sold or bought and no one can give me a strait answer. The only help that the previous student loan holder offered was for me to file a dispute to get this off of my credit report.
Consumer complaint received 2024-08-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

Subject : Complaint Regarding Private Student Loan Cancellation Process and Unhelpful Navient Representative Date of Incident : XX/XX/year> Amount Involved : [ Specify the amount of private student loan ( XXXX ) if known ] I am writing to file a complaint regarding my recent interaction with Navient concerning the cancellation of my private student loans due to school misconduct at XXXX XXXX XXXX, which I attended. 

On XX/XX/year>, I contacted Navient to inquire about the process for canceling my private student loans, as I am aware that borrowers who attended XXXX XXXX and experienced school misconduct are encouraged to submit applications for loan cancellation. However, when I spoke with a representative named XXXX, I encountered several issues : Refusal to Provide Information : XXXX refused to give me any information regarding my private loan, including details on the cancellation process or my eligibility for relief. This was despite my clear indication that I was calling specifically to address this matter. 

Denial of Application Request : I asked XXXX to send me the application for the cancellation of my private student loans, as I believe I am eligible due to the misconduct at XXXX XXXX. XXXX refused to do so and did not provide any explanation for this refusal. 

Unhelpful and XXXX XXXX : XXXX advised me to contact a law office or whoever else might hold my private loans, suggesting that Navient was not the holder of these loans. This is incorrect because Navient is indeed the holder of my private loans, and I was seeking their assistance directly. 

Lack of XXXX : The conversation left me without any resolution, further information, or steps to proceed with my request. This lack of assistance and inaccurate information has caused significant frustration and concern about my ability to address the loan cancellation process properly. 

Given that Navient is the holder of my private student loans, I expected the representative to provide clear guidance and support in navigating this situation, particularly given the complexities surrounding XXXX XXXX 's closure and the associated relief programs for the misconduct of XXXX. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (GA)

CITI HAS CHARGED OFF AND SOLD DEBT TO XXXX XXXX XXXX. CURRENTLY XXXX XXXX XXXX AND XXXX XXXX XXXX ARE PURSUING DEBT RECOVERY FROM ME FOR THE SAME ALLEGED DEBT. THIS IS A FRAUDULENT DEBT AS I HAVE REPORTED TO CITI ON XXXX OCCASSIONS. 
CITI HAS NOT SUPPLIED ME WITH A COPY OF THE DEBT WRITTEN OFF THAT THEY REPORTED TO THE IRS WHICH THEY ARE ILLEGALLY WITHOLDING.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (AZ)

I deposited my tax return in to the atm for the amount of XXXX dollars. A receipt came out error they denied my claim XXXX  because they didnt tell me I needed a receipt which I didnt know until a couple weeks prior to my claim.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SOFI TECHNOLOGIES, INC. (IN)

Dear Sofi Support Team, I am writing to seek your assistance regarding a serious issue I have encountered with identity theft. Recently, I discovered that fraudulent accounts have been opened in my name without my authorization. This situation has caused significant concern and has impacted my financial security.

To address this issue, I have taken the following steps : 1. Reported the fraud to the relevant authorities.

2. Notified credit bureaus to place a fraud alert on my credit report.

3. Initiated a formal dispute process for the unauthorized accounts.

Despite these measures, I need your support to resolve any related issues with my Sofi accounts and to facilitate the reopening of new accounts in my name. Your prompt assistance in reviewing and rectifying this matter would be greatly appreciated.

Please let me know if you require any additional documentation or information from me to assist with this process.

Thank you for your understanding and prompt attention to this matter.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-08-19
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (CA)

Hello Cfpd, I am writing to follow up on my previous complaint regarding the store credit card application I submitted through Citibank at Goodyear Tires. 

Despite my initial complaint, I have yet to receive the credit card or any correspondence related to my account. Consequently, I have been unable to make payments or manage my account as expected. I have made multiple attempts to resolve this issue by calling Citibankapproximately ten timesrequesting that my credit card be sent so that I can make payments.

Additionally, Citibank inaccurately claimed that they received returned mail from my address. This is incorrect as I receive all my correspondence without issue. I had to escalate this matter to receive any response from Citibank. 

Following my initial complaint, an agent informed me that I had a five-day period to settle my balance, which is unfeasible given the circumstances. The inability to receive the credit card and the inadequate response time have caused undue inconvenience. 

I am eager to resolve this matter and pay the amount owed, but the current conditions make it challenging. I request that Citibank review the voice recordings of my calls to verify my repeated requests and address this issue promptly. 
I want to settle this but I cant have 5 days to pay this. Im willing to go to Good Year tires with my original receipt and pay it off completely. I can certainly between no and the end of year. My intention would be to pay as soon as possible!

Citibank breached their Contract when they didnt send the customer their credit card to pay and see what their paying.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX