davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIBANK, N.A. (CA)

Citibank student loan Citiloan? lied about my graduation date which I wrote repeatedly and called reporting it's wrong in their documents, they charged extra interest fraudulently XXXX, XXXX, XXXX, XXXX, XXXX  ( date of loans about XXXX- XXXX ). They sent my loan to a collection agency, I was hounded daily by threats of lawsuits by email, phone, and postal mail. My XXXX XXXX XXXX in XXXX and I broke apart visibly. I suffered injuries to my XXXX XXXX because of Citibank 's refusal to acknowledge the U.S. Dept. of Education and XXXX University documents of my real true graduation date and my pleas for help. I paid huge amounts I starved for and lost my XXXX  XXXX to have a XXXX for in XXXX   XXXX XXXX  to Citibank 's demanded moneys I justifiably did NOT have to pay some of that by laws. The predatory school XXXX University XXXX XXXX XXXX XXXX lied I would have employment " {$100000.00} to {$500000.00} '' Financial Aid Officer said in front of staff, administration, the XXXX XXXX XXXX, and others to me. I was unemployed for 4 years after graduation. Twice trying to start a position, told I was unprepared, and let go, fired from internships, etc. because the predatory school faculty and staff didn't respond to emails for documents required to graduate by training over 2 years of unpaid unemployed training XXXX before the 4 yrs unemployment after degree, so Citibank refused to acknowledge in writing {$8000.00} payment I made, citibank refused to acknowledge that amount in document claiming they sent the loan to collection agency, so my paid amount Citibank refused to acknowedge to me, loan collection agency, and in the lawsuits against me threatened me, put me in their collection agency lawsuit threat, demanded I pay a huge percentage all at once which no one could do, so my mom emptied out credit cards, lost her retirement savings, and our health suffered paying it. I want my money back from citibank as refund and forgiveness, although they forced documents signed about us not suing or they would sue us for ALL the WRONG INFLATED loan amount falsified by them against me. I was terrorized in their financial fraud. I read you sued Citibank for such illegal private student loan practices, but I never heard from your people about your won lawsuits. PLEASE HELP ME immediately. they will fraud collections ( i.e, XXXX XXXX   XXXX ) has the loan so they can't do anything but it is a con set up of frauded loan amount to start with.
Consumer complaint received 2022-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all reports sent below. 

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-03-24
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: Southern Auto Finance Co (FL)

In accordance with the fair credit reporting act this creditor SAFCO ACCOUNT  # XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-02-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I am having a very difficult time with XXXX/NewRez. I have been approved for a modification and was making my trial payments. I was unable to get a hold of XXXX/NewRez durning the holidays and now am having trouble having XXXX accept my 3rd trial payment. I called to set up my 3rd payment on a payment arrangement for the XXXX. I was being recorded and I " Specifically asked if should post it for XXXX XXXX because ii wanted to make sure all funds were in '', he said i should be okay because they dont receive the funds until 3-5 business days. As long they receive payment within XXXX I will be fine. They will then send me new papers upon my mortgage agreement. I got an email notification about XXXX/NewRez received payment. I never gotten an XXXX alert from my bank claiming an insufficient fund. I called on XX/XX/XXXX because no answer during the XXXX XXXX Holiday. I talked to XXXX ( asking why they have not taken the money or fired XXXX ) who told me that the check came back and that there is nothing they can do for me except do another modification. My last payment ... he said if they took the money now it s for XXXX and XXXX would not be accounted for!!! I was almost in tears and explained what the other representative said to me. He really didnt seem to care! 

In the middle of trying to get this resolved with XXXX, my file was transferred to NewRez, and they are not following up on the complaint or trying to resolve.
Consumer complaint received 2020-02-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

On XX/XX/2019 I went to Santander Bank located on XXXX XXXX XXXX in XXXX XXXX, New Jersey. I spoke with a teller by the name of XXXX XXXX and was inquiring about my CDS account. I had asked if it had her " is there any problem is I pull out the money? '' and she said " no there is no problem you can take the money out ''. She never told me that I would receive a penalty for taking the money out 2 days too late because it had rolled-over into a new CDS account. Since she said it was okay, I closed the account. 

In XX/XX/2019 I received my income tax paperwork from Santander Bank which showed a penalty of {$100.00} for closing my CDS account 2 days after it rolled-over. As soon as I received this paperwork, I went to the branch to discuss the issue with XXXX who is manager and explained the conversation that had taken place with their staff member. 

They had apologized for the misinformation on behalf of their staff member but also said that there was nothing that they could do to correct the issue. 

I'm am reporting this issue in hopes of receiving a refund of {$100.00} for the penalty. I would also hope that this never happens to anyone else. All Santander staff handling accounts should be well-versed in rules and regulations that would result in a financial penalty for their patrons. 

Thank you for your time and consideration in this matter. I am looking forward to hearing from someone on your staff to discuss this issue further. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-22
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. (NY)

THE ACCOUNT LISTED HAS NO RELATION TO MY NAME, THIS ACCOUNT IS REPORTING INACCURATELY ON MY CREDIT REPORT AND HAS BEEN CAUSING DAMAGE TO MY FILE. PLEASE INVESTIGATE THIS ACCOUNT AND HAVE IT OFF MY CREDIT FILE.
Consumer complaint received 2020-02-22
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. (CA)

Upon Review my credit files, it showed a Collection from XXXX in the amount of {$210.00} reappear in my credit files which have already been settled in the past. This account was mistakenly reported by XXXX and I have reached out to settled with the creditor. I have no association with XXXX service as I am a customer with XXXX.
Consumer complaint received 2022-10-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: State Home Mortgage (GA)

Lost my homeowners insurance due to mortgage company not paying my escrow. Got a call from my insurer in XXXX of 2022 stating they have not recieved escrow, called my mortgage company and they said they paid it. Fastforward to XXXX of 2022 found out my insurance had been canceled due to none payments by my mortgage company I reached out to my mortgage company but they can not give me an answer they told me they will call me back but they have not in over a week. Try calling again but call will not go through. As of today I have no insurance on my home.
Consumer complaint received 2020-02-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2020 I received a text message from Wells Fargo alerting me to unusual activity on my checking account. At the time, I was on a trip to Louisiana and there were ATM withdrawals being made in XXXX XXXX- two for {$100.00} and one for {$200.00}. Because of the fraudulent alert, WF blocked the two {$100.00} attempts and I dipusted the {$200.00}. I received a notification that they would not be refunding my money because they found no fraudulent activity. I have explained over and over to them that I am the only person authorized to use this account and that I was out of the state. They refuse to reopen it. I have requested documentation on which they relied and they have refused to timely provide it.
Consumer complaint received 2024-02-12
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. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2020-02-22
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. (GA)

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : { XXXX/XXXX {$1100.00} ( XXXX XXXX XXXX   {$220.00} ) Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which states that these accounts must be removed within 4 Business Days of receipt.
Consumer complaint received 2020-02-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (TN)

I owe JP Morgan Chase XXXX they started in XXXX demanding the balance which was XXXX. I made arrangements to have the full balance paid by XXXX. XXXX they started calling every day asking for a payment, I was told today they will call everyday until they get XXXX they have listed my account as being late four times on my credit report. See below Delinquent Account Reported By Jpmcb Auto Reported On XX/XX/2020 Account Balance {$370.00} Delinquent Account Reported By JPMCB AUTO FINANCE Reported On XX/XX/2020 Delinquent Account Reported By JPMCB AUTO FINANCE Reported On XX/XX/2020 2020
Consumer complaint received 2020-02-22
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: National Credit Services, Inc. (FL)

My student loan is in default. The department of Education transferred my loan to a company named : NCS Collect. I was advised via mail to contact the company or risk wage garnishment. This company has been a nightmare to work with. I've been trying to obtain a reasonable payment plan to get my loan out of default since XX/XX/XXXX. I called and stayed on the phone for more than an hour providing financial information to calculate my repayment amount. After uploading sensitive documents including pay stubs and tax info, I was told that the info would have to be reviewed. I was supposed to receive a call back. That call never came. I tried to call them back the next day, and I couldn't get anyone to speak to me. I was either transferred to a voice mail by someone, or the call went directly to voicemail without me speaking to anyone. I called the Department of Education, and after demanding to speak to a supervisor, I filed a complaint. NCS called me during work hours which obviously isn't going to work, since I'm trying to make money to pay the money that's being demanded of me. I'd call back, and get someone different. I'd then have to go through the ENTIRE process of sending in documents and going through my bills to get a payment amount that was too high for me to pay. I went through this circle 3 times. Each call would take about an hour. I'd be directed to call back, and either my documents weren't received or they were under review. Finally I got to a point where I provided my debit card and scheduled a payment with someone only to be told to call back. When I called back, I had to send the same sensitive information, this time proof of medical receipts only to find out later that they hadn't even calculated my payments based on the documentation I sent in. I've emailed all of this sensitive info to 2 different email addresses and uploaded them to their portal MULTIPLE times. After calling again, and providing my card info again, and resubmitting a document to reflect an even higher amount than I agreed to which I accepted out of frustration, I was told ONCE AGAIN to call back Monday ( XX/XX/XXXX ). I called yesterday, and got voice mail. I wanted to stay on top of things. I can't take this anymore. I believe that I'm being given the run around, so that my wages can be garnished. I think this is intentional between this company and the Department of Education, and it is WRONG. If you review the XXXX XXXX reviews for this company, you'll see the same complaint over and over. Be threatened with wage garnishment only to not be able to work out a payment plan to be executed successfully. It's exasperating. No one wants the embarrassment of wage garnishment, but at this point, it seems as if it would be easier.
Consumer complaint received 2020-02-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (LA)

In XXXX, following a divorce I entered into a loan modification agreement with Wells Fargo. 
I was required to pay a payment and a half as well as a XXXX ( not sure ) initial payment to bring my account current. 

As a more informed consumer, in XXXX, I inquired about my loan and was advised that they restarted my loan, losing 8 years of payments in which I was unaware of. 

The facts my mortgage is about XXXX. XXXXX=XXXX. 
XXXX x 8 years is XXXX for a XXXX. XXXX loan default which was repaid. This is extremely against consumers protection. 

Please investigate and advise. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I disputed, with all credit reporting agencies, the information being reported by XXXX XXXX XXXX. The information could not be validated and, as a result, the company issued a letter and removed all information from all credit bureaus. Now, for some reason, Experian has added a deleted account back to my credit report. I need this account removed and I need it to stay removed. I need Experian to provide an explanation as to why they put this back on my credit profile.
Consumer complaint received 2020-02-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SVB FINANCIAL GROUP (MD)

On XX/XX/2020, my bank, XXXX XXXX XXXX XXXX, forwarded a check to Silicon Valley Bank, via my Bill Payer request, for the purpose of paying my XXXX credit card payment in the amount of {$75.00}. When I called XXXX, XXXX. to confirm whether or not they had, in fact, received my payment, I was told that the Silicon Valley Bank was not the bank that handles their credit card accounts, but instead my payment should have gone to XXXX XXXX. Upon being apprised of the error I immediately contacted Silicon Valley Bank, spoke with Ms. XXXX XXXX, and explained the issue with regard to them receiving the check in error. I then contacted my bank ( XXXX XXXX ) and spoke with XXXX XXXX ( with Ms. XXXX on the conference call ) and tried to resolve the matter ; I wanted to know why Silicon Valley Bank cashed the check that was obviously sent in error, where were the funds applied considering there is no account for me and/or XXXX XXXX. at that bank, and why wasn't the check simply returned back to XXXX XXXX. As of this writing I still have not received an explanation as to where my money is, and why it can't be resolved. I'm inclined to believe that Silicon Valley Bank is complicit in some type of unscrupulous and unethical financial scam ; for surely this matter should have been resolved immediately after speaking with a representative from XXXX XXXX. Therefore, it would be immensely appreciated if someone from this agency could intervene on my behalf and find out why this happened and when will I get my funds back in my checking account. I am a XXXX XXXX XXXX veteran who is afflicted with an array of XXXX  as well as XXXX issues. This situation has caused me a tremendous degree of XXXX XXXX   and XXXX. Further, because of Silicon Valley 's negligence and failure to return the erroneously-sent XXXX payment, I had to, in effect, pay the bill twice ; which created another financially burdensome situation for me. If you have any further questions with regard to this matter please contact me @ ( XXXX ) XXXX or email me at XXXX. Again, thank you in advance for your time and cooperation in this matter.
Consumer complaint received 2020-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I have a Bank of America credit card ( XXXX XXXX Miles ) that had a balance of approximately {$4900.00}. I submitted two payments to payoff the card from my XXXX XXXX XXXX account on XX/XX/XXXX and XX/XX/XXXX ( {$4400.00}, then {$500.00} respectively ). Bank of America 's systems then submitted another payment for nearly the entire amount ( {$4800.00} ) which essentially meant twice the amount owed was paid putting my balance into - {$4800.00} meaning they now owe me nearly $ 5k. 

I noticed this second unauthorized payment was pending and called Bank of America on Friday, XX/XX/XXXX to request they cancel this second payment. They said they were unable to do so and said I should call XXXX in an attempt to stop payment. I called XXXX the next morning on Saturday XX/XX/XXXX to request a stop payment but they were also unable to do so. I called Bank of America back that same morning and they said they would initiate a refund of the second payment which would take 3-5 business days to process. Evidently, this refund request was placed on their systems on XX/XX/XXXX. 

On the fifth business day, I saw the funds were not returned and called to ask what the delay was. The manager indicated that for refunds, the first business day doesn't count, so it would actually be another business day and to wait the following Tuesday ( Monday was XX/XX/XXXX, XXXX XXXX XXXX ). Funds still did not appear the following Tuesday. I was then informed that refunds can take 10-15 business days. I escalated again to another manager and was told that the refund was under review with the fraud department and could take up to 20 business days. I was then told to call back the next day and that funds should appear. 

The next day ( XX/XX/XXXX ), the funds did not appear. Another associate I spoke with then informed me fraud investigation can take up to 30 business days. I escalated once again and was told by manager (  last name XXXX with employee ID XXXX ) that I would get a call back from Bank of America within two business days and that some sort of resolution would arise. 

On XX/XX/XXXX, I did not receive a call back from Bank of America and called them back. They informed me that they could not tell me when funds would be returned and that there is no way they can contact fraud department to get an update. I asked if fraud was an outsourced department and they said this team was internal but they had no contact info. I asked about employee XXXX and they confirmed he is a Bank of America employee but that they have no way of contacting him either. I asked when my money would be returned and they said they don't know but could connect me with another random manager. I  declined this offer seeing as previous efforts were in vain and would be a waste of time.
Consumer complaint received 2022-03-09
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: Atlanticus Services Corporation (AZ)

Lost job twice in 2021 and was never aware of my credit protection I was paying for till they cut it off and then when I mentioned it XXXX said not their problem. 

not first time this company has done this to me. reference XXXX
Consumer complaint received 2020-02-22
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. (NY)

THE ACCOUNT LISTED HAS NO RELATION TO MY NAME, THIS ACCOUNT IS REPORTING INACCURATELY ON MY CREDIT REPORT AND HAS BEEN CAUSING DAMAGE TO MY FILE. PLEASE INVESTIGATE THIS ACCOUNT AND HAVE IT OFF MY CREDIT FILE.