davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES (NJ)

I have been trying to refinance my second mortgage with Provident Funding. They originally had my first and second mortgage and sold my first mortgage to another company. The second mortgage which I thought was a fixed term is a balloon payment due in less than 2 years now. They refuse to work with me and refinance this mortgage to make it a fixed term. After going back and forth for many months they now tell me they will refinance my mortgage if I do my first with them. This is unacceptable because they sold my first mortgage to begin with. Now they want to charge me full fees in the amount of {$3000.00} in closing costs plus a {$550.00} appraisal fee to make this happen. The only other option is the second mortgage will default when it come due which Provident is aware of and they said they may help me or work with me when I default. This is the most outrageous thing I have ever dealt with when dealing with a financial company.
Consumer complaint received 2021-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (FL)

on XX/XX/ 2021 my online balance was XXXX transactions posted after that balance, on the XXXX, totaled XXXX, leaving a balance of XXXX. Also on the XXXX, they charged me XXXX overdraft fee which left my positive balance on XX/XX/XXXX with XXXX ... after the XXXX overdraft fee. There are 3 items pending and I made a transfer to more than cover those amounts. When I contacted the bank I was informed that one of the pending transactions, the very last one, triggered the overdraft fees and they would refund me ONE ( 1 ) fee! Their overdraft fee is XXXX dollars. This is a checking account and I have not signed up for overdraft protection. The Bank is BB & T, now Truist, at XXXX XXXX XXXX XXXX, XXXX FL XXXX.
Consumer complaint received 2022-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion, I just looked at my credit report and was shocked to see the numerous amounts of error you listed. I am writing to have you remove them immediately. 

The followings account needs to be removed immediately. Account Name : XXXX XXXX XXXX XXXX XXXX. Account XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX I Reason : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (IL)

requested remove old addresses and false names but was no option for request the hard inquiry from sinchrony bank fraudulent practices when i pay trough the sams club app, they freezes the payment process on screen of the phone offering a 30 % discount if i fill 4 lines with my name, address and my date of birth, when i filled those 4 lines the screen worked properly, and when arrived to my home transunion notifyme that my credit score was decreased due a hard inquiry, i think thi is a fraudulent offer because they inserted an algorithm between the payment process when we are extremely concentrated in the amount of money and quantity of the product 's, iam requesting remove that unauthorized hard inquiries.
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2022-01-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Adler Wallach & Associates, Inc. (CA)

I have gotten repeated calls from AWA collections during the day and night. Every time I have spoken with them they threaten to take me to court or have me arrested for fraud which has caused so much XXXX  I don't eat can't sleep. They are very persistent and when I filed a complaint with XXXX  trying to tell them that this debt does not belong to me nor do I even know what it is for. All they did was update the information I was complaining about with AWA instead of removing it from my report because it was wrong
Consumer complaint received 2022-01-28
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. (AL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, and over { the amount of days } later I have not received a response yet.
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (MS)

in accordance with the Fair Credit Reporting act XXXX XXXX  XXXXXXXX XXXX # XXXX - has violated my rights. 

15 U.S.C 1581B Permissible purposes of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

DID I GIIVE YOU WRITTEN INSTRUCTION TO FURNISH THIS ACCOUNT ON MY CONSUMER REPORT? 

FUTHER MORE THE FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a - Definitions ; rules of construction- ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 a account without my written instructions I HAVE NOT GIVING XXXX, EXPERIAN, XXXX ANY WRITTIAN INSTRUCTION TO FURNISH THIS ACCOUNT ON MY CONSUMER REPORT. 

This Agency is in violation of 15 U.S.C 1681
Consumer complaint received 2019-04-11
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Bread Financial Holdings, Inc. (MT)

XXXX XXXX has been trying to say that I spent, in excess of {$800.00} to XXXX XXXX XXXX in XX/XX/XXXX. I did No such thing and I believe they are a fraudulent company that got ahold of my identity. I can't even get a small loan from my local bank. This is embarrassing and I might lose my house because of this fraudulent claim on my credit. Please contact XXXX XXXX at XXXX That is who my bank told me to call when I was denied a simple loan. Check my clothes!! I have XXXX XXXX
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX I purchased a XXXX XXXX for approximately {$2000.00}. 
At the end of XXXX I paid the bill in Full, including all the current charges, so my balance would be {$0.00}. 

I pay my bill every single month to reach a balance of {$0.00}. Occasionally paying 2x a month. 

Within the return period, I returned the complete XXXX XXXX, I got a partial refund and they delayed refunding me the full amount. I called Capital One to dispute the charge, and get the remaining amount of {$1000.00} stating that I want a refund and returned the money. Capital One issued a " Provisional Credit. " - in XXXX XXXX refunded the {$1000.00}. In the meantime, I continued to pay my credit card bill in full. Though at Capital One refused to allow me to pay on a certain amount stating I had a credit. 

On XX/XX/XXXX, Capital One then billed me {$1000.00} saying I owed it for the provisional credit. 

After careful review of my bills : Capital One is fraudently charging me {$1000.00}. So in essence, I'm being charged double for a bill I paid completely in full. 

Money I paid - {$1000.00} Money I was provisionally credited : {$1000.00} Money refunded by XXXX : {$1000.00}. 

As you can see Capital One now has {$2100.00} of my credits- from monies I paid and the XXXX refund. Plus all the other charges I have also paid in full You will see, that in XXXX, I paid off the complete balance of the XXXX Account. On top of my regular bill, and I paid in XXXX the full amount of the bill. Today I paid the bill in full again. But Capital One has refused to credit my account, even though they have not credited my account nor has it been debited from my XXXX XXXX Account. They are purposefully delaying transactions All of my other accounts have been paid in full. After reviewing my statements against monies paid to Capital One, they are playing a shell game with may payments. This is a complete violation of CFPB Law. When I pay a bill off in full, Capital One can't hold my money and apply it when they want to, and they credit my funds. Their refusal to accept my payment of my bill stating a credit, in full is also a an outright violation of CFPB Law. They are manipulating payments illegally to show better return to investors. 

Capital One is also not crediting my account with money I have paid electronically on the date I have paid it.
Consumer complaint received 2022-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

I have been part of the XXXX program for over a decade and on XX/XX/XXXX I received loan forgiveness. Under the waiver program announced on XX/XX/XXXX by President Biden I have made additional qualifying payments in total 144 in a program at required 120 payments. I talked with Fedloans, my servicer and the Department of Education directly. 
My initial call to Fedloans regarding the refund was on XX/XX/XXXX with - XXXX  ( employee ID XXXX ) where she informed me that refunds take 2 weeks to 2 months from the department of education. She told me to contact the DOE directly and gave me their number. On XX/XX/XXXX I contacted the DOE and spoke with XXXX XXXX case number - XXXX ) where she told me that the DOE does not process refunds but the XXXX department within Fedloans would process it. On XX/XX/XXXX I called Fedloans again and spoke with a supervisor XXXX ( employee ID XXXX ) who assured me that the repeat employment verification form that I submitted on XX/XX/XXXX needed to be processed and then the refund would be issued. He again stated that refund windows are 2 weeks - 2 months. I called twice after that on XX/XX/XXXX and XX/XX/XXXX was told my refund was still in process. I called again on XX/XX/XXXX, after the 2 month process window from the original call request and was told by XXXX ( employee ID XXXX ) that the repeat employment verification form was denied and that there is no refund because my forgiveness effective date was XX/XX/XXXX. This was despite acknowledging that my loans were not forgiven until XX/XX/XXXX well after the waiver had been introduced. I would refunded for the 24 additional months of payments that I made under XXXX. Many of those months occurred during the COVID forbearance but XXXX I made payments totaling {$9400.00} that I would like refunded immediately.
Consumer complaint received 2022-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (GA)

This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from 10 XXXX XXXX defaulted notes is a violation of UCC 9-110 and UCC 2- 401.They use the Credit Reporting Agencies to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with FRANKLIN SERVICE INC. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by XXXX XXXX XXXX stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). FRANKLIN SERVICE INC can not and will not ever produce a contract between me XXXX XXXX and FRANKLIN SERVICE INC because that contract does not exist.
Consumer complaint received 2022-01-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

SPS assumed my 2nd mortgage effective XX/XX/XXXX. We submitted a subordination request in conjunction with a refinance of our primary mortgage loan & rec 'd confirmation of the request from SPS dated XX/XX/XXXX. On XX/XX/XXXX, we were informed that they couldn't complete the subordination agreement b/c they were not listed on the deed/title as the 2nd lienholder. For more than 6 months, we called and waited for them to get the matter resolved. In XX/XX/XXXX, we were informed that the subordination was approved. On XX/XX/XXXX, SPS finally mailed the signed subordination agreement. However, they added a clause that the refi couldn't exceed a certain amount, which was lower than the refi. So, we had to go back to them yet again to get the subordination agreement revised and re-signed. It is now XX/XX/XXXX and we still have not received the correct and executed subordination agreement. This has been going on for 9 months and has cost of countless hours and thousands of dollars in interest paying on our first mortgage with an 8 % interest rate b/c we haven't been able to close on the refinance at a 4 % rate while waiting on SPS. We also have had two appraisals expire during that time and have had to order and pay for two new ones.
Consumer complaint received 2022-01-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc. (TX)

Santander Consumer USA XXXX XXXX XXXX is suing me for a car that the dealership, XXXX XXXX XXXX XXXX and XXXX, had me trade in for a XXXX XXXX XXXX, that is also financed by XXXX XXXX XXXX XXXX XXXX XXXX The Finance XXXX, XXXX XXXX was not honest about the sale and the return of the XXXX XXXX Charger and he was not honest about the Loan application for me to purchase the XXXX XXXX XXXX. XXXX XXXX did not confirm my job or my income and he switched the information on the paperwork and I did not know that the information was switched, until I call and spoke to Chrysler Capital directly. The sale was fraud, committed by the XXXX XXXX and the salesman. They told me that I was trading in my car for the XXXX XXXX XXXX. This was very deceptive and the dealership and Santander Consumer USA XXXX XXXX XXXX should stop allowing the Dealership 's Finance XXXX 's to be able to falsify information on Loan Applications. All sales that were set up by XXXX XXXX needs to be investigated. No telling how many more people were deceived into trading in a vehicle for a new vehicle to be sued in the future. Please help.They took advantage of me and my mother.
Consumer complaint received 2022-01-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Nationwide Credit & Collection, Inc. (TX)

I went to XXXX hospital for treatments and from then they started sending me very high bills instead of using the insurance provided to them. They never made me aware wether the insurance was active or not. They never provided me with any treatments as of today but they decided to send me to collections without notice. They are refusing to assist me and are ruining my credit. I really need help
Consumer complaint received 2022-04-12
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. (MS)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX # XXXX - has violated my rights. 

15 U.S.C 1581B Permissible purposes of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

DID I GIIVE YOU WRITTEN INSTRUCTION TO FURNISH THIS ACCOUNT ON MY CONSUMER REPORT? 

FUTHER MORE THE FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a - Definitions ; rules of construction- ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 a account without my written instructions I HAVE NOT GIVING XXXX, XXXX, EQUIFAX ANY WRITTIAN INSTRUCTION TO FURNISH THIS ACCOUNT ON MY CONSUMER REPORT. 

This Agency is in violation of 15 U.S.C 1681
Consumer complaint received 2017-08-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIBANK, N.A. (WA)

Please refer to the previous complaints for reference : XXXX, XXXX and XXXX I agreed to a settlement with the collections agency that Citibank told me was handling my loan ( XXXX XXXX ) after my cosigner 's bankruptcy ended. I received a letter from XXXX XXXX stating that my loan would be satisfied if I payed the amount agreed upon by XX/XX/XXXX. I mailed in a check on XX/XX/XXXX. I received a letter from XXXX XXXX on XX/XX/XXXX with my check that I mailed enclosed. The letter said that the account is no longer active in their office so they could not apply my payment. It said to call if I had any questions, so I called and as soon as I mentioned " student loan '' the agent on the phone said " oh, we were just told to direct your call to the original lender. I do n't know if the contract with them ended or what. '' I called Citibank immediately after and explained the situation. The agent on the phone told me that he could not find any record of my loan in the system and suggested that if it 's on my credit report then I should just dispute it and they will remove it from the report. He explained to me that they sold all of their student loans to other lenders back in XX/XX/XXXX. I explained more and told him I had this exact conversation with them back in XX/XX/XXXX and it was n't until I submitted a complaint on this website that I was told that they were still servicing my loan but it was in collections. And that I was told by XXXX XXXX that Citibank sent out letters to lenders by mistake stating that they transferred loans to them when in fact they did n't ( see previous complaints for more info ). He still claimed that they do not have my loan. I asked him to send that to me in writing and he said he could n't because I do n't have a loan with them. I asked him again to send me a letter stating that I do n't have a loan with them and he again said he ca n't because I do n't have a loan with them. He eventually said he would need to investigate further to see what happened and said he would get back to me by XX/XX/XXXX at the latest. I still have n't heard back. I checked my credit report and this loan is reported on two of the reports as " closed '' " serious delinquency '' " negative '' " transferred '' " deferred '' and I disputed them. 

I 've taken many steps to set this straight with Citibank, but they continue to give me the run around. I have been an excellent borrower to every creditor that I 've been involved with and I do n't deserve this kind of treatment. Citibank is a scam and it seems to me like they are trying to cover something up. PLEASE INVESTIGATE THEM!
Consumer complaint received 2015-04-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: The CBE Group, Inc. (KY)

A XXXX account was created in my name in XXXX of 2011, however, I could not have opened this account because I was under the age of XXXX at the time. XXXX has a debt in my name for {$430.00}, which will deny me military access if the debt is not paid or cleared. I have never had XXXX, my identity was stolen and used to purchase XXXX illegally in the name of a minor. In 2011, when the account was opened, I would 've been XXXX years of age. Let me add that the account is registered to XXXX XXXX XXXX, XXXX, Kentucky, XXXX. I have never lived at said address, XXXX XXXX lives at said address.