davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I regret to inform you that your decision not to address my identity theft issue on the grounds of an alleged error or misrepresentation of material facts is deeply concerning. What authority do you possess to make determinations regarding material facts? You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am extending one final opportunity for you to process my request concerning the identity theft incident. Failure to do so will leave me with no choice but to pursue legal recourse in a courtroom setting, wherein you will be held responsible for the damage inflicted upon my reputation, and credit, and the emotional turmoil I have endured due to this matter. It is highly likely that the true material facts will become evident, and you will be held accountable for your negligence. I implore you to ensure the resolution of this matter within the legally mandated XXXX timeframe. I trust that you will act in accordance with the law.
Consumer complaint received 2022-11-15
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XXXX XXXX XXXX XXXX, Case No XXXX I was left a voicemail by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that lasted XXXX seconds. She mentioned there was a resolution offer. 

I have attempted to contact XXXX XXXX, the XXXX Specialist numerous times. Each time that I have called the number provided ( XXXX ) via XXXX XXXX XXXX, both on the mailed documented response and voicemail, after I enter the XXXX extension ( XXXX ), the response is 'if you do not know the XXXX extension, please refer back to the original correspondence. ' There are no further options to speak to anyone or the person 's name or number I was provided. 

If I can not speak to anyone, how will I be able to inquire? Why was this person 's name, number and extension even provided?
Consumer complaint received 2023-11-22
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I hope you are doing well as I write this. I'm writing to formally ask that my account records be cleared of any late payments. I am aware of how crucial it is to keep a clean credit record, and I would want to resolve the recent late payments that have been made on my account. I respectfully ask for your consideration and understanding in order to have the late payments removed from my account history. I promise to keep up a punctual payment schedule going forward and make sure that similar delays don't happen again. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a XXXX XXXX XXXX customer service representative. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the XXXX XXXX  XXXX customer service representative. 
I am aware of the company 's standards about late payments, and I truly value your consideration and time in this regard. Please let me know if any paperwork or information is needed to support this request, and I will send it over right away. I am grateful for your thoughtfulness.
Consumer complaint received 2017-05-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (FL)

Navient has been extreme ly difficult to work with. My husband is a   XXXX   XXXX    and  the program takes  five y ears. During this time money is VERY limited. He has been  XXXX  on my family and I to try and make these payments. We are trying ! Navient  has NOT been willing to help us I any way. In the meantime they are hitting my credit every time I turn around. It 's not fair and needs to be fixed! I have explained to them that I will be done with   XXXX    XXXX   XXXX   in  XXXX     2017 an d at that time can begin regular payments. I feel like I have been charged additional interest and fees that need to be fixed. We are supposed to be on a rate reduction plan but every time we turn around they are telling us that we are no longer on the plan and calling us every single d ay three tim es a day and charging us more in interest.
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AZ)

On XX/XX/ there was an unauthorized transaction made via online on my XXXX XXXX XXXX Account. After calling XXXXXXXX XXXX  they advised me to call my bank and file a claim. I have filed both with the seller and my bank multiple times in which they have decided to not issue a refund and deny my claim. This purchase was made as an online emailed gift card to an unknown email using my account and debit card information that was on my world market account. BUT was not made by me or authorized by myself.
Consumer complaint received 2023-11-22
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. (TX)

15USC 1681 Section 604 " States rights to consumers privacy '' Reporting agencies can not furnish an account WITHOUT MY WRITTEN CONSENT. This erroneous reporting has hindered my ability to support myself. I ask that you use precedent cases Under code listed above.
Consumer complaint received 2024-03-15
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 XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct :
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Dear Experian There is information reporting on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me as the consumer. ( See Attached )
Consumer complaint received 2023-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC (MA)

On XX/XX/2023, I was force-issued a one-year HO6 policy from Specialized Loan Servicing with a premium of {$1200.00}. I received a letter ( dated XX/XX/XXXX ) around XX/XX/XXXX about this purchase. 

On XX/XX/2023, Specialized Loan Servicing canceled this policy as I bought my own insurance. So the forced policy that Specialized Loan Servicing bought was in effect for 18 days. Yet I was charged {$340.00} which is disproportionate to the annual fee of {$1200.00}. 

I have called a few insurance companies and they all agreed you can't backdate a HO6 policy. Yet Specialized Loan Servicing is apparently charging me for a period of time before the issue date of XX/XX/XXXX. 

In addition, at no point did Specialized Loan Servicing notify me of the actual reason for the forced insurance until after the fact. I called on their first letter and I was told that I needed to update the copy of my supplied insurance because the expiration date was XX/XX/2023. I did this promptly and was told the matter was settled. 

I then called back as I received a second letter. I spoke with the person and he said that the expiration date was updated and that I could ignore any following auto-generated reminder letters and that everything was OK. For this entire 5-month period, I was led to believe by Specialized Loan Servicing that the area of concern was simply updating the expiration date, not that it was a coverage issue. 

This all could have been avoided if Specialized Loan Servicing simply had given a proper notification along with means of remedy. Instead, they misled me at every point of contact saying it was simply a matter of updating the policy expiration date. 

Additionally, the letter from Specialized Loan Servicing said ( in bold ) : " Will cost an estimated {$390.00} annually, which may be significantly more expensive than insurance you can buy yourself. Yet somehow the policy bought for me was {$1200.00}, over three times that amount. 

I am asking for the full amount of {$340.00} back. I relied on Specialized Loan Servicing to not only give me the correct reason for the forced insurance but also on how to remedy it. Instead, their letters and phone calls indicated a completely different reason for the forced insurance. I remedied that request and was told that the matter was resolved. But instead, I was only notified months later that oops the policy was issued anyway and at a much higher premium than they wrote in their own letter in bolded font. I also relied on Specialized Loan servicing holding reasonably to their {$390.00} annual insurance cost and not being blindsided by a policy costing over three times as much. 

At the very least, I should only be responsible for the period of time between the date of issuance and policy end ( XX/XX/2023, to XX/XX/XXXX ) I calculate this 18-day proration of the {$1200.00} policy to be {$60.00}, not {$340.00}. ( {$19.00} based on their original estimate of {$390.00} annual cost )
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I was not immediately informed that my checking account had been compromised a person arrested for writing checks against my checking account this was XXXX XXXX XXXX  merged with mb financial and merged with 53 rd bank branch manager on XXXX XXXX XXXX  in XXXX XXXX XXXX area has worked for all three since the incident occurred
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (GA)

RE : XXXX/COMENITY/VICTORIA Account XXXX  XXXX and XXXX : Account ending in XXXX XXXXXXXX. 

I represented a protected person before this compny as a court appointed guardian. The company was supplied with a guardianship order. Under Indiana Code ( IC ) 29-3-8-5 ( b ) : Every contract, sale, or conveyance executed by a protected person is VOID. Therefore, all transactions, even if claimed to be made by a protected person are VOID. Thus, all conveyance and transactions must be retracted, redacted and sealed. That person is a protected person under IC 29-3-1-13. Protected person 's any and all information, not limited to documents, histories entries are also protected ; and must be removed from any and all files, including electronic collection files. The company must not provide and release any information about this protected person to anyone except guardians, her attorneys without a Court Order. The Compnay was requested to cease and desist contacting the protected ; and not to disclose information of the protected person to any one. The Compnay failed to act to honor court order and Indiana Guardianship Act. Such acts violated Indiana Guardianship-IC Title 29. Probate 29-3-5-1. The Company was repeatedly contacted ; and they failed to provide any information and authorities that would supersedes Indiana Guardianship Act. 

The Company claims, without any proper " notice '' that they sold the debt..
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Subject : Request for Refund of Overpriced Fees and Unauthorized Account Opening Dear Bank of America, I hope this letter finds you well. My name is XXXX XXXX, and I am writing to bring to your attention an issue I recently discovered regarding my account with your bank. 

Upon reviewing my financial statements for the year 2021, I noticed several instances of overpriced fees being charged to my account. These fees were not in line with the terms and conditions that were agreed upon when I initially opened the account. I kindly request that you thoroughly investigate this matter and refund me the excessive fees that were charged. 

Furthermore, I was deeply alarmed to discover that an account was opened without my consent or authorization in 2021. This unauthorized account raises serious concerns about the security of my personal information and banking transactions. I expect an immediate explanation regarding how this could have occurred, as well as an assurance that all necessary measures will be taken to prevent such incidents from happening in the future. 

In light of these issues, I kindly request the following actions from your esteemed institution : XXXX. Conduct a thorough investigation into the overpriced fees charged to my account and refund the amount that exceeds the agreed-upon terms and conditions. 

XXXX. Provide a detailed explanation, including all relevant documents, regarding the unauthorized account that was opened in my name without my consent. 

XXXX. Ensure that appropriate security measures are in place to safeguard my personal information and prevent any future unauthorized account openings. 

XXXX. Ameliorate any damage caused, including potential harm to my credit and financial standing, resulting from the unauthorized account opening. 

I trust that Bank of America, as a reputable financial institution, takes these matters seriously and seeks to resolve them promptly and amicably. I appreciate your immediate attention to this serious issue and your cooperation in rectifying the situation. 

I kindly request a response to this letter within 30 days of receipt. Please address all correspondence related to this matter to the contact information provided below. 

Thank you for your attention to this matter. I am hopeful that we can resolve these issues swiftly and amicably, maintaining a productive and mutually beneficial banking relationship. 

Sincerely, XXXX XXXX [ Your Contact Information ]
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OK)

On XX/XX/XXXX a company only identified as A fraudulently charged my account for {$150.00} and another charge from the same company on the same day for {$55.00}. I complained and they said they would investigate and block the company. After that the transactions didn't show up on my account. Which then I was told that they couldn't find those transactions. I don't know where they went. On XX/XX/XXXX I again was charged {$55.00}. I again complained and somehow that transaction disappeared as well. I have gotten nowhere since XX/XX/XXXX with Chime.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX of XXXX, I disputed XXXX bankruptcy accounts shown on my credit file. I requested the bureau to provide the name of the person/persons or company and documents provided to verify any and all information associated with the alleged bankruptcy shown on my credit file and credit report. The bureau only responded stating the information was verified and updated. The verification the bureau states to have received is FRAUD. I contacted the Bankruptcy court asking if they report or speak to credit reporting agencies. They responded and I am attaching their response to this complaint.
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

On XX/XX/2023 - XX/XX/2023 there was 20 separate transactions of {$200.00} and 1 of {$55.00} from XXXX out of my checking account using my debit card. These transactions were all made in different cities in state of XXXX. I live and reside in XXXX, XXXX  area and never visited those cities in XXXX. I called Chime soon as I saw these transactions to dispute all of these and other transactions made by a " XXXX account '' but Chime denied all my disputes made by XXXX but only refunded me the " XXXX '' transactions. These transactions drained all my funds in my account over {$4000.00} and I still have not been able to pay my bills on time. I had to reopen my dispute claim but still no response and no funds back into my account. I've been patient and trying to hold off my bills but I can't no more. Please help!
Consumer complaint received 2017-05-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (NC)

Citimortgage Loan  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , OH  XXXX  I lost my job in  XXXX  and fell behind on payments. I immediately reached out to Citi after the first month to let them know what had happened and to ask what I can do to stave off foreclosure or late fees that rack up etc. Any help at all. I was told that I could n't even talk about anything until at least  XXXX  months behind. Counter intuitive in my opinion.     I waited the  XXXX  months as instructed and reached out again. I was told at that time the house would go in to foreclosure. So, as I stated, I tried a month out to make arrangements and then they said foreclosure would start. I was not offered anything on the spot, rather I was told to send in paperwork and a package was mailed to me to fill out and include tax returns, pay stubs, letter of hardship, etc.     The first package was faxed to  XXXX   XXXX  on  XXXX / XXXX / XXXX , then again  XXXX / XXXX / XXXX  and again  XXXX / XXXX / XXXX . I was never in contact with her again, and emailed her each time I faxed for confirmation and was never spoken to again. I got nothing else in the mail and was ignored.     The second contact was initiated again by me, I emailed and then spoke on the phone to a  XXXX   XXXX  and he set up a conference call, which I had to cancel due to getting an interview for a job. I attempted to contact him  XXXX  more times and we never spoke. I never heard from him again. Dates :   XXXX   sent another packet of paperwork.     The third contact, again initiated by myself was to a  XXXX   XXXX  who I spoke to on the phone after calling on  XX/XX/XXXX  we also had an email exchange   XXXX   and  XX/XX/XXXX . Got no other reply, no request for paperwork, no offer for assistance at all.     A year went by and the amount hit my credit report as a write off on   XXXX   XXXX   XXXX  , still no paperwork concerning foreclosure and to this date the house is in my name, accruing taxes in my name and I do not have any deed or any other documents. I have left the area to find employment and now work in NC, however the house is vacant and I am highly concerned about squatters looters and vandals. I have no information whatsoever in order to tell the city about what is happening after they have called me looking for answers.     I reached out again to  XXXX   XXXX  on  XX/XX/XXXX  and  XX/XX/XXXX  via email after getting her on the phone and I never heard from her again.     This has been excruciatingly painful and has damaged my credit to an extreme amount. I have reached out time and time again and have been ignored. I need answers and help here. I feel completely wronged by Citimortgage.