davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NY)

As you can see from my account, I submitted a request to stop all junk mail and any mail services from Citi Bank for my former roommate XXXX XXXX on XXXX. On XX/XX/XXXX, I received an email with an attachment on company letterhead that confirmed that the mail for her would stop coming to my apartment. Three months later, I am still getting her junk mail and I am livid that the company said that it would stop and they confirmed it to me closing the case, but it is still happening. They are in violation of what they promised and the complaint is not rectified. I attempted to contact them through the phone number provided on the letterhead and they were unable to do so. They told me to call another number but to get through to that service, I need to have a Citi account myself. The fact Im having to spend any time at all to opt out of junk mail to my private address is ridiculous. An online site for opt out needs to exist so companies wont be allowed to assault people with their unwanted wasteful junk.
Consumer complaint received 2021-10-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (CA)

XX/XX/XXXX {$5000.00} emergency transfer from XXXX  XXXX XXXX western Union departent. 
XX/XX/XXXX I called and canceled, supervisor said that the funds will be back in 3 days
Consumer complaint received 2023-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Synovus Bank (SC)

I did mobile deposit on the XX/XX/XXXX in the amount of {$280.00} to synovus bank... I thought maybe will be available no more than 3 business day... but not clear till the XXXX between this two weeks I have some overdraft..they changed me XXXX each transaction ... I don't feel fairly.. because they held my check so long...
Consumer complaint received 2017-04-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TX)

This letter is in response to your recent claim regarding account #, XXXX which you claim that I owe MIDLAND FUNDING LLC, {$2200.00}. This is a formal notice that your claim is again disputed. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Please note that I never received " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you ; MIDLAND FUNDING LLC. My reason for disputing is : I do not nor have I have entered into a contract with MIDLAND FUNDING LLC nor have I ever signed any documents stating I would pay MIDLAND FUNDING LLC. 

This is NOT a request for " verification '' or statements for the original company, or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above-named Title and Section. 

I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you, Midland Funding. 

Please provide me with the following : What the money you say I owe is for. 
Explain and show me how you calculated what you say I owe, MIDLAND FUNDING LLC. 
Provide me with copies of any papers that show I agreed to pay you ; Midland Funding LLC, what you say I owe. 
Identify the original creditor with name and address. 
Prove the Statute of Limitations has not expired on this account. 
Provide me with validation that MIDLAND FUNDING LLC is bonded to legally conduct debt collection in the State of Texas and provide me with the name of your bonding company and your license numbers. 

Now, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character STOP THE HARRASSING PHONE CALLS! I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. Do not call my relatives or my friends. If your offices attempt telephone communication with me, including but not limited to computer generated calls, or calls to third parties, it will be considered harassment and I will have no choice but to file a counter suit. 

All future communications with me MUST be done in writing and sent to the address noted in this letter through the USPS. 

It would be advisable that you and your client assure that your records are in order. This is an attempt to correct your records. Any information obtained may be used for that purpose. 

Regards, XXXX XXXX cc Federal Trade Commission CC Better Business Bureau
Consumer complaint received 2016-08-15
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Mobiloans, LLC (NE)

I believe Mobiloans LLC fraudulently stole my identity from the Internet and processed the loan with the expectation that I would cash the checks thereby agreeing to the loan. Mobiloans LLC sent XXXX checks in the mail without me soliciting a loan. Since I had not applied for the loans I presumed they were an unsolicited loan so I destroyed the checks without cashing them. Because the checks were not cashed there is no legitimate loan and the ensuing debt collection notice is fraud. 

I have submitted a police complaint but the local police are not able to resolve the fraud. 

The loans appeared on my credit report and I filed a dispute with XXXX and XXXX. XXXX resolved the dispute by deleting the account from my credit report. XXXX resolved the dispute by making a comment in the file and the loan is shown as being " Charged off as bad debt, Profit and loss write-off ''. 

I applied for a loan with XXXX XXXX XXXX and the loan was denied because of this statement in my credit report.
Consumer complaint received 2016-01-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First Recovery Solutions, Inc. (LA)

This company claiming to be First Recovery contacted my ex-mother-in-law saying I owed a debt and gave her a claim number. I looked up this company and found that these are scammers trying to collect money. First Recovery is actually a health care company yet these people are portraying themselves as a debt collection agency.
Consumer complaint received 2023-02-14
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. (GA)

Hello, In accordance with the Fair Credit Reporting Act XXXX Account # : XXXX XXXX  XXXX has violated my rights. 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 an account without my written instructions. 

15 U.S.C 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. 

XXXX, Equifax XXXX XXXX have violated my rights. They arent doing their job according to the law. Which is keeping me from getting a new apartment.
Consumer complaint received 2024-06-06
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

1. Bofa told me that my savings account can avoid the maintenance fee if I maintain a balance of at least {$500.00}. 
2. I have a balance of at least {$500.00}, but Bank of America still charged me the {$8.00} maintenance fee on XX/XX/XXXX.
Consumer complaint received 2023-02-14
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: EQUIFAX, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2023-02-12
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: Experian Information Solutions Inc. (MD)

XXXX, Experian and XXXX are reporting negative information on my credit reports without my consent Section 604 15 U.S. code 1681 B states that the credit bureaus dont have a right to report any information without my written consent all 3 credit bureaus have wrong names and phone numbers on my reports
Consumer complaint received 2017-02-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: First Data Corporation (CA)

First Data was my merchant processor up until XX/XX/XXXX I submitted a request to close XXXX accounts, which were supposed to close on that date however a mistake was made on their end and XXXX of my XXXX accounts were left open. The account numbers which were left open are XXXX and XXXX. The account that was closed ends in XXXX ( I dont have the full account number but I can get it. ) Over the course of the last XXXX years my bank accounts have been ach debited {$66.00} and {$76.00} per month for service that has not been provided to me. I have NO activity in my merchant processing with First Data since they are not my merchant processor and have not been since XX/XX/XXXX. These charges went unnoticed for a number of reasons 1. The wording in the statement is misleading because First Data uses the word " Deposit '' ( read below ) leading me to think its a deposit going into my account without looking at the actual charge which is my mistake. 2. I have so much activity on my account on a daily basis I simply overlooked that these were fees. 
XX/XX/XXXX EMPS DEPOSIT XXXX MY I PHONE REPAIR {$76.00} I contacted First Data at XXXX and talked to XXXX at extention XXXX who politely explained there was not much he could do other than a XXXX month refund per account. There was no supervisor above him that he allowed me to talk to and gave no reason why they can not refund me for these XXXX years of fees except to say that there are no notes in the system that I wanted the accounts closed. He also mentioned that First Data was working on a system to check if an account is in active for a certain period of time and if so then to disable it - would have been nice to have this system in place - instead I have been charged over {$3500.00} in fees for a company/service that I do not use. 
I contacted First Data and explained the situat
Consumer complaint received 2023-08-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (NY)

Hello, On XX/XX/XXXX I received an email from studentaid.gov " We reviewed your application and determined that you are eligible for loan relief under the plan. We have sent this approval along to your loan servicer. You do not need to take any further action ''. 

Unfortunately that was a lie, and my federal student loan through Great Lakes was sold to Nelnet and appeared back on my credit report and my loan was re opened with that new lender who had sent me all the information I needed to know in regards to my interest starting to accrue in XXXX and my first payment in XXXX. 

I am currently unemployed and have family that has offered to come together and help me settle on my student loan amount, so that it doesn't sit and accrue interest and then I have no chance at digging myself out of an interest nightmare or risk not making any payments or making income driven payments that don't even cover the cost of the interest on the loan. 

On XX/XX/XXXX at XXXX I contacted customer service ( XXXX ) at Nelnet asking what information they would need from me to submit a request for a settlement amount? The response was " we do not even offer settlements for student loans '' So I had asked what I could do about that, was there any other way around that and she asked me if I was a teacher and they have a program for that. I do not qualify for that and I also do not work for a non-profit as I had mentioned twice I was currently unemployed and looking to settle on my loan with help from my family while I had it. There was still no option for me to settle on an amount.
Consumer complaint received 2017-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

I use Navient and when i asked about Loan forgiveness they automatically told me i was not eligible and made me do a repayment form that would cost me {$0.00} for 12 months. Which is fine ; but, now i am worried that the payments will go up. I also asked about deferment and they told me i was n't eligible either. I make XXXX year right now and i have about XXXX in debt.
Consumer complaint received 2023-07-10
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I Have filed several FTC reports with Identity Theft. Gov regarding the account with XXXX XXXX XXXX Act # XXXX It needs to be removed from my Equifax consumer report immediately as it is removed from the other 2 reporting agencies and it needs to be removed according to 15 USC 1681 ( i ) regarding Identity theft I sent the documents and they where confirmed receipt on XXXX I have it attached and Equifax as passed the expiration date of 4 Calendar days and that is a violation. 

In addition I sent them information regarding the student loan Navient that according to FCRA law 623 ( a ) ( B ) should be correct as I was in deferrment and made a payment so there is no way that I would be 90 days late. 

I want XXXX to be deleted off of my consumer report immediately as well because it has not corrected itself and its just been violation after violation and the only means to get the matter rectified is legally but regarding the consumer report they are in violation of reporting accurate information and therefore EQUIFAX must correct the inaccuaracy buy removing the 90day late payment remark. 

This has caused me to loose millions and caused me to not be able to obtain credit and I am seeking litigation starting with the violations and some damages starting at XXXX and its increasing more and more as I have lost employment and business opprotunties and housing do to equifax negligence in accuracy reporting and investigations.
Consumer complaint received 2024-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Mercury Financial Intermediate LLC (SC)

My son is an authorized user on my credit card. XXXX XXXX and XXXX XXXX rental employee have spoken on XX/XX/XXXX. My told both parties that he was recording call. They both said they were ok with call being recorded. XXXX explained to XXXX Credit Card employee and stated that my son doesnt have balance due and that incorrect amount that XXXX was charging on behalf of XXXX is incorrect. They also stated that my son whos paralyzed in wheelchair doesnt owe any money. So XXXX employee agreed to resolve it and let XXXX know that balance needs to be removed from my account. They have damaged my XXXX XXXX and my son XXXX. XXXX XXXX reports has made both me and my son XXXX XXXX dropped over XXXX points. So these XXXX issues needs to be corrected and fix by XXXX Credit Card company. We also will seek legal actions with clerks of court with complaint if this issue isnt handled correctly by XXXX Credit Card company. So we ask that XXXX reply with address to send certified mail of complaint and lawsuit to them if this matter isnt resolved in a month. Please provide address lawyer can send complaint because we want to have this complaint ready if this matter isnt handled in XXXX  days. Resolution for this problem is for XXXX to remove incorrect balances and fraudulent charges for fees and interest on incorrect matter. My son whos in wheelchair have a rental car through XXXX thats been in his possession for XXXX weeks. XXXX will not rent to my son or anyone if we had owe them money. So I want this issue resolved immediately. XXXX please do the right thing and remove fees and balance. Our cards should be at XXXX balance owed. We also want XXXX XXXX remarks fix as well. We need both points back on our XXXX XXXX.
Consumer complaint received 2023-08-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC. (CA)

On XX/XX/XXXX, I received a phone call from the Law Office of XXXX XXXX, I returned the phone call XX/XX/XXXX. After speaking with the lady on the phone XXXX, she explained that I owed {$2000.00} for my purchase of my XXXX XXXX XXXX. She said I defaulted on a check and If I don't pay it then she is putting in the " charge '' and she will be repossessing my car. The only lienholder on my contract, and on my registration is Chrsyler Capital. I did not agree to pay any extra {$2000.00} to these people. On my legal XXXX XXXX XXXX XXXX shows I fulfilled my full down payment of {$4500.00}. I am being harassed and threatened by the company. Per any contractual law. I am only legally obligated to pay my lienholder which is Chrysler Capital and have made no further agreements to any other lender, or promised to pay any other amount of money to. I am including a copy of my contract.
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (FL)

I made a claim to chase card benefit services about their Trip Cancellation/Interruption i summited all documentation they ask me for. I keep calling them and check the statues of my case and every time i call they told me some one will call me and they never do. In addition they claim i receive {$1600.00} USD from airline without proof. I did never receive that amout. I receive a credit wich expired XX/XX/2023. Other times they answer and hung up on me or let me on the waiting line for hrs/. At this point i don't have any answer of the claim. Online it still showing pending but i think they just trying to avoid or make me forget about it.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NJ)

I have business account with Chase Bank. I used a service called XXXX that belongs to Chase Bank to accept payments from clients. 
As instructed I followed the steps to send my client a payment request, my client paid the invoice. Later in the day I get an email from Chase Bank saying the transaction failed because the transaction had the incorrect or different name linked to my account. So I called Chase Bank support and they couldnt assist me on it, another lady told me that my account was permanently closed and the funds were going to be held back until I file an appeal up to XXXX moths waiting time. I tried to contact them but they said itll take some time for them to contact me back. Very unfair treatment and I demand this problem to be solved.
Consumer complaint received 2023-08-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (IN)

I purchased my truck XX/XX/XXXX. My monthly payment is {$890.00}. I made 2 payments totalling {$900.00} well before my due date of XX/XX/XXXX. The total interest taken out of these 2 payments was around {$330.00}. I asked to change my due date to the XXXX, so my mortgage and car payment would come out of separates paychecks. I made 3 payments XXXX, XXXX, and XXXX, once again totalling {$900.00} and again before my payment was due. They applied the whole monthly payment of almost {$900.00} to interest. How is that even possible when the first month, the principal was higher. I called 3 times now about this and there is still no update from " accounting '' which I have been told is supposed to review it. Each time the representative told me it's a simple interest loan and that's how it works.