davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (CA)

I have been attempting to modify my loan with Citi for the last 2 years. Over the course of that time I have been asked time and time again for the same information to the point where it was just more efficient to sent a full and complete package. I did this probably a half dozen times, most recently at the end XX/XX/XXXX. I just received a request for more updated information. All information was already provided within the last 2 months. Now they want more of the same, just updated. Additionally, it appears they are looking at old modification ( when my wife had a different employer ) with my most request modification request ( which reflects her new employer ) and want an explanation of whether she still works at her old job. This is just confusing everything. I get updates that say they have everything they need then days later they ask for an entire laundry list of items they received but now want updated for only another 2 months worth of information. In truth, nothing has changed in those 60 days! Since they seem to want to continue looking at old information they can see that my financial situation has not improved.I am completely frustrated by their stonewalling.
Consumer complaint received 2018-05-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I was a victim of fraud/scam using XXXX through my Wells Fargo mobile app. I tried calling Wells Fargo and explaining my situation. I have been a long time customer, yet they were unwilling to help me in any way to recover my loss money. I think {$250.00} is a small amount in comparison to the billions they manage, that could be returned as a courtesy to a loyal customer. I am the victim here.
Consumer complaint received 2018-12-14
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)

I have Requested Validation of the following account that Equifax continues to report on my credit file : Bankruptcy # XXXX. Equifax lists XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/2018. On Wednesday XX/XX/2018 I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with XXXX agent ID # XXXX and she informed me that a security freeze was placed on my account as of XX/XX/2018. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. On Wednesday XX/XX/2018, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX XXXX and spoke with XXXX agent ID # XXXX and she also advised me that my security freeze was confirmed and set into place as of XX/XX/2018. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/2018. I demand that this public record Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agents assured me that Equifax 's so-called 'verification? on XX/XX/2018 WAS NOT REPORTED BY THEM BECAUSE MY XXXX XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. Equifax has FAILED to validate this bankruptcy and is in violation of the FCRA. All they send is a XXXX XXXX address and a statement saying 'the account is verified. I demand that this unverified account : Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE.
Consumer complaint received 2018-05-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I have student loans managed by Navient. I had difficulties repaying my loans, on XXXX I spoke to a representative-XXXX  XXXX and was enrolled in the Rate Reduction Program for 6 months. I was told only one account ending in XXXX would not be enrolled in the program and I would have to make separate payments to this account. I continued to receive phone calls after the first payment of {$420.00} was made on XXXX. I was also told by XXXX XXXX on XXXX, that the while in the Rate Reduction Program, my account could be reported to the Credit Reporting Agency ; however after my 3rd payment I should call and have it removed. I continued to receive phone calls from " Sallie Mae '' on my caller id regarding my loan. I called on XXXX, regarding ongoing calls from Navient. When I called I explained I was enrolled in the Rate Reduction Program and questioned why I was being called. I was then told that the amounts given was not correct and a different arrangement had to be made. The new arrangement was {$360.00} monthly and account ending in XXXX would be paid separately each month. On XXXX-I received an alert from the Credit Reporting Agency indicating that my the was 30 days past due. I contacted Navient and was told that I needed to send a letter to their Credit Bureau office. Approximately a week later, the negative item was removed from my credit reports before I sent in the dispute to Navient. Then on XXXX, I received an alert indicating that Navient reported my account 90 days past due. I immediately contacted Navient and was transferred to the " Federal Loan Department ''. I spoke to a representative in the " Federal Loan Dept '' ( Representative XXXX ). I was told the account reported was my Federal loan and not the private loans. I was told that when I made the arrangement for the Rate Reduction Program, it was only for the private loans and they " can not see '' the federal loans ; although all my loans are managed my Navient. I was never told that the federal loan was being managed separately from the private loan. In the past when I enrolled in an income based repayment plan all loans were included in the plan. I had several phone conversations with Navient and at no time was I made aware that they could not " see '' my federal loan. When I explained to the representative that this was not explained to me ; he was dismissive and indicated that it would be very difficult for me to have this negative item removed from my credit report. This is an ongoing situation with Navient where conflicting information is given to customers by their representatives. This situation is stressful, time consuming and I feel hopeless. I took the necessary measures to responsibly take care of my account only to be provided conflicting and misleading information. I appreciate your attention and assistance in this matter. Thank you.
Consumer complaint received 2020-07-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (CA)

I had a gift card with a {$97.00} balance. American Express sent me a letter asking that I fill out a form in order to get my balance refunded. 

This was over a year ago. Since then, I have tried every which way to get them to reimburse my funds. I have contacted them numerous times. I have filled out the forms they keep sending me ( they've now sent me 4 forms - the first 3 were the same one that I already filled in and the 4th was different ). 

It is clear this financial institution is not complying with the law. They are giving me an endless runaround, with the assumption that I'll get tired from it at some point and will just drop it. 

Please help me hold American Express accountable for their refusal to return my funds. 

Thanks
Consumer complaint received 2020-02-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (AP)

I applied for a Loan in late XXXX and was informed by my lenders that my XXXX  and XXXX  scores were 100 points lower than XXXX  ( XXXX vs. XXXX ). I have never been delinquent on a debt in my life. I am an XXXX XXXX military member ( since XXXX and still XXXX  ) now XXXX  XXXX. I have disputed the claim with the credit bureaus they simply updated dates and reflected the balance {$0.00}. XXXX originated from XXXX XXXX and was listed as {$130.00} charge, this was quickly updated to $ XXXXThe information remains on my credit report. Reported date was XX/XX/XXXX. I have lived in XXXX since XX/XX/XXXX when I XXXX  'd XXXX  so the dates are impossible to justify. Diversified Consultants ( XXXX XXXX XXXX XXXX, FL XXXX ) is listed as collection agency and has also been contacted and notified this is a faulty collections claim. Reporting agencies continue to show a XXXX  balance but neither Diversified, XXXX  or reporting agencies will delete this faulty collection that is adversely impacting my score and making it so I can not purchase a home.
Consumer complaint received 2022-03-04
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have spoken with or written Transunion XXXX about the same debt. I am not disputing this debt, just the way it was reported! The original creditor was Smart sales and lease, they stated the XXXX date of delinquency was XX/XX/2019. This impacted my credit negatively by about 40 points. Then they sell the debt to XXXX Collections, i did not receive any type of communication for this but the collection account was added to my report as of XXXXXXXX- and 40 or more-points were deducted again from my report! I have been disputing the way this was reported and they keep denying the dispute stating that the debt is valid, I know that i am not disputing that. My initial dispute I stated that the debt was reaged due to it being the same debt, but the collection agency added to my report using another date. Transunion stated that the collection agency was in there right to add it to my report as a negative account therefore impacting me twice. I know i owe the debt but i am working on getting my credit together and it will take time, but it seems like these credit bureaus are not helping. They take 30 or more points from you when you fall behind but once you get back on track, they want to add 5 or 6 points a month to your report and thats not fair!!!
Consumer complaint received 2018-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2018 Bank of America took {$660.00} out of my personal account.. regarding towards a closed account that ending in XXXX.. that I have been trying to work with them but they wanted for me to pay amount that I couldn't afford.. I already have a case complaint with you guys and the number is XXXX. I also reach out to a company called XXXX XXXX and I spoken to XXXX to see if she can help ..which my case file # XXXX and her direct number is XXXX Ext. XXXX and she calculated all my expenses and my income and she said I barely break even..Bank of America know XXXX have been struggling for a while. The money that I had in my account was for my car payment and phone bill and gas..that is due on XX/XX/XXXX and Now my account is going to be in the negative because I don't have the funding to cover my charges..I don't understand how they can do that..
Consumer complaint received 2018-12-11
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. (FL)

I contacted the credit bureau to find out information about a bankruptcy I was disputing. I was within my rights to ask who the furnisher of this information was as per the FCRA. The customer service representative did not want to disclose the information I was requesting. After going back and forth the customer service representative lied to me and said the furnisher of this information was the court house. I then called the court house and they informed me that they do not send any information to the credit bureaus and it states the same information on their website XXXX XXXX XXXX XXXX XXXX I was lied to about how my information was being reported and that is a direct violation of my rights according to the FCRA. According to the FCRA the bureaus are required to disclose this information upon request. I also disputed the information via certified mail and received a simple response of verified with no further explanation of how this was certified. I am respectfully requesting that this bankruptcy information be removed from my credit report as per the fair credit reporting act. Thank you for your time.
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CT)

Macy 's cancelled my store credit card undenounced to me. No notification that Macy 's cancelled my card that I've had for over 30 years Due to Covid, I did not visit this store for almost 2 years so they cancelled my account, driving my credit to debt ratio to in a downward spiral.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

The following information was sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX via certified mail while providing any documentation, ie DL This has caused hardship on my household. 
My information is constantly on the XXXX web, I'm alerted every week about how a new inquiry for a new account ( credit, car, house ) in my old name and addresses. My name has been different for over a year, and all the other names on my account are either misspellings or haven't been my name for over 20 years.
Consumer complaint received 2020-12-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I hope your day is going well, but I need your help. I noticed the following issues with accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and here on the website here. This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now. XXXX XXXX XXXX, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANKMOBILE TECHNOLOGIES, INC (OH)

I OPENED AN ACCOUNT W/ A BANK CALLED XXXX XXXX  AND SENT A  PERSONAL CHECK FOR XXXX  AS A DEPOSIT TO A PO BOX IN XXXX, PA.  THE CHECK CLEARED MY BANK.  YET XXXX MONEY STILL PUT AN EXTENDED HOLD AND IS NOT MAKING THAT DEPOSIT AVAILABLE.

WHEN I CALLED THE TOLL FREE NUMBER THEY ALWAYS ANSWER THE PHONE IN THE XXXX. THEY HAVE NO OPERATION IN THE UNITED STATES.

I AM VERY CONCERNED THIS IS A FRAUD IN WHICH A XXXX  AGENT INTERCEPTS MONEY FROM THE PENNSYLVANIA PO BOX AND ROUTES IT TO THE XXXX  IN AN OFFSHORE CON:

--THEY TOLD ME THERE WAS NO PHYSICAL ADDRESS OF THE BANK IN THE UNITED STATES.   THAT'S BECAUSE THE BANK IS IN THE XXXX.  THEY TOLD ME IT'S AN "ONLINE ONLY BANK" AND THEY HAVE NO ADDRESS.

--THEY THEN GAVE ME AN ADDRESS AT XXXX XXXX XXXX XXXX XXXX XXXX CONNECTICUT WHICH IS A BUILDING WITH NO WINDOWS. CLEARLY NOT A BANK. NOWHERE NEAR THE PO BOX!

--THEY TOLD ME THE BANK HAS BM TECHNOLOGIES.  LOL IS THAT SUPPOSED TO BE FUNNY? XXXX XXXX XXXX XXXX XXXX  THIS IS NOT A LAUGHING MATTER.

--THEY TOLD ME THE FDIC NUMBER IS XXXX  WHICH WHEN I GOOGLE BELONGS TO XXXX XXXX XXXX. YET CHASE KNOWS NOTHING ABOUT THIS.

--THEY TOLD ME THEY WERE PART OF XXXX XXXX BUT XXXX SAID THEY'RE A PHONE COMPANY AND NOT A BANK!

--THEY TOLD ME THE CEO WAS XXXX XXXX BUT I GOOGLE THAT NAME AND HE DIED ON XXXX XXXX XXXX.  NO SUCH PERSON.

--EVERYTHING THEY SAID WAS HIGHLY SCRIPTED AND READ TO ME LIKE A ROBOT...THE "CUSTOMER SERVICE" AT THIS BANK WERE INCAPABLE OF HAVING A CONVERSATION.

I AM VERY CONCERNED THIS BANK IS AN ONLINE FRONT FOR A XXXX  CON.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (MA)

Date of call : XXXX Unable to lift credit freeze using phone number provided by company : XXXX. No option is provided to lift or remove a freeze. No option is provided to speak with a representative. 

Per company ( https : //www.sagestreamllc.com/security-freeze/ ) : You can request the lifting or removal of the security freeze using one of the following options : Submit your request securely, online by completing our Security Freeze Lift / Removal Request Form Submit a written request by secured fax at ( XXXX ) XXXX or by mail to : SageStream , LLC Consumer Office, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX XXXX : Call us at : XXXX.
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (AR)

XXXX XXXX FAILED TO FURISH 1099-C DENT CANCELLATION FOR MY TAX FILINGS ALONG WITH XXXX XXXX, CITICAOPR ETC..
Consumer complaint received 2018-05-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (OH)

Diversified Consultants Inc has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

An account by the name of XXXX XXXX is reporting to my XXXX and Transunion credit reports having inaccurate 'Account Status ' information. Theses accounts were paid charge-offs that should both reflect XXXX balances. These accounts are reporting as " Debt included in or XXXX through Bankruptcy XXXX XXXX, XXXX, or XXXX '' which is incorrect. 

- A chapter XXXX bankruptcy was filed in the state of Colorado in XXXX of XXXX and XXXX in XXXX of XXXX. 

- A XXXX energy account was opened in the state of Texas in XXXX of XXXX where my last payment was in XXXX of XXXX. 

I'm not sure where this mix-up happened during the reporting process, but I have attached documents showing activity on a XXXX XXXX account well after my Chapter XXXX bankruptcy was XXXX in XXXX of XXXX. This would make the status of these accounts incorrect/impossible. I have disputed these accounts too many times to count and just would like accurate information present on my credit report. XXXX also refuses to report a XXXX balance.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I have no knowledge or records of the listed account XXXX # XXXX, XXXX XXXX XXXX Please advise me as to the name and address ( es ) of the medical provider, the date ( s ) and type ( s ) of service, and to whom the service ( s ) was ( were ) provided, as any account ( s ) I might have had may be obsolete.

If you can obtain this information, I also would need the name of the medical sales providing this proof and claim, how was the information was received so I can prepare a legal remedy ( law suit ). This is potentially a servious HIPPA violation.
Consumer complaint received 2020-02-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VT)

This is third time that I filing similar complaint against Merrill Lynch Bank of America. 
They trying to avoid paying proper refund. They mailed me checks that is less {$650.00} that it should be
Consumer complaint received 2018-05-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (PA)

I Hello, I have exhausted all of my forbearance/loan deferment options. After speaking with the XXXX XXXX loan repayment department they gave me a monthly amount that I could not afford. They will not budge with creating a lower payment even after my monthly expenses were shared with them. 
I only get paid once a month and paying this amount will leave me nothing to survive off of.
Consumer complaint received 2022-06-15
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. (AL)

IN ACCORDANCES WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 


15 U.S.C1681 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.
Consumer complaint received 2018-05-16
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cottonwood Financial Ltd. (TX)

This company contacts me and my family members and/or friends DAILY, and often multiple times per day for various telephone numbers, regarding a debt that is possibly 7+ years old. According to FDCPA, the company and its collectors have committed the following violations : - Call repeatedly or continuously, - Use obscene, profane, or abusive language ( at least two recent occurrences ), - Call at times the collector knew or should know are inconvenient ( e.g. " back to back '' ), - Threaten action they can not or will not take ( that they will " serve me '' at my place of employment - which I welcome since I work at a law firm that will gladly sue the collector ), - Illegally inform a third party about your alleged debt, - Repeatedly call a third party to get your location information, - Fail to send a written debt validation notice ( which I have requested on numerous occasions ), - Ignore your written request to verify the debt and continue to collect, and - Continue collection attempts after receiving a cease communication notice.

Please note, the statute of limitations on debt for residents of the State of Texas is four ( 4 ) years. In Texas, this refers to oral agreements, written contracts ( car loans, installment loans ), promissory notes and open accounts ( such as credit card credit lines ).