davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-23
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: EQUIFAX, INC. (TN)

My financial information has not changed in over 10 years, but 18 months ago my wife decided to apply and activate a new credit card. Within 30 days of that action, we began to receive financial junk mail from various financial institutions around the country with offers from refinancing our home to being approved for credit cards. These unknown financial institutions know exactly how many credit accounts we own, a mailing address and sometimes phone number, the exact balance of each of those accounts, and somehow know that my wife is a veteran. 

After several hours on the phone with my bank, I determined that the only other people in the country that it could be would be the credit agencies. Low and behold I found information online that says exactly that, these credit agencies are sharing our private financial information with predatory scammers. 

I can not believe after all the negative media coverage about credit agencies and and stolen identities that they are still allowed to give out this private information. We did opt out for life a few weeks ago, but that is the incorrect solution. It has been proven that people are stealing other people 's identities and creating credit card accounts with the unauthorized junk mail being sent by these financial institutions. We should not have to figure out that we have to opt out of getting our identities stolen. 

I want to know why in this day and age of stolen identities and financial fraud that the U.S. government and the Bureau of Consumer Financial Protection is NOT protecting us from these predatory institutions. Their job is to report credit to specific organizations that WE allow to get our credit history and it 's your job to regulate this. It 's not their job to send out private information about our lives so we can have our identity stolen and our bank accounts emptied by predatory scammers. When will these credit agencies e.g., XXXX, XXXX, Equifax, etc., by law, be required to stop creating business for themselves? That 's exactly what they are doing, creating business for themselves off the backs of unsuspecting American citizen. That is absolutely asinine and fraudulent. I expect this to be resolved and while I 'm waiting for an answer I 'm cc'ing this to my congressman.
Consumer complaint received 2021-06-04
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. (FL)

This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you ( Attach document that was sent to you via email )
Consumer complaint received 2015-09-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (WV)

ON case # XXXX AES said that my loan was extended due to deferment - I never requested deferment and they are still withdrawing payments from my account. I have not nor will I sign anything. I want to know why my loan is in deferment and how it got there. I also asked for the information pertaining to arbitration ( where I needed to file and who to contact ) I was not given this information. This request was submitted in writing per AES 's request. Please provide:1. why my loan is differed2. what documentation was provided that requested deferment ( attach if you have please ) 3. a copy of the contract I signed with XXXX for loan XXXX. the information needed to begin filing arbitration as the changing of loan terms is illegal and makes the contract null and void
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

On XX/XX/XXXX i made a transaction via XXXX for {$230.00} and on XX/XX/XXXX i made another transaction via XXXX which is a XXXX company for {$290.00} for shoes from the company XXXX XXXX. 

The company is now bankrupt and in federal court for fraud. XXXX and my bank ( Chime/XXXX ) have both denied and closed my cases and see no wrong doing. I have also filled out information with the FBI which is actively investing the company XXXX XXXX.
Consumer complaint received 2021-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

This IS NOT DUPLICATE. XXXX BANK NEVER SENDS CHEVCK FOR {$470.00}. EVERY TIMR I CALL PLAYED WITH-SAME PERSON CHANGES NAMES FROM XXXX TO XXXX, ETC.
Consumer complaint received 2024-03-09
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP (CA)

To Kimball, Tirey & St John LLP, On XX/XX/XXXX, I received a collection letter from Kimball , Tirey & St John LLP. In the letter, they believed I owed an individual named " XXXX XXXX '' in the amount of {$1500.00} in XXXX. Kimball, Tirey & St John LLP asked me to respond by XX/XX/XXXX to dispute this claim if I wish to. 

On XX/XX/XXXX, I sent certified mail stating why I do not owe this money and asking for a Debt Validation Letter. I then contacted Kimball, Tirey & St John LLP, who confirmed that they received my letter. I was told by XXXX XXXX, my case agent, that he would send out a debt validation letter, and I should receive it around XX/XX/XXXX. I have also sent out certified mail and asked for the name and address of the original creditor. 

I have a USPS notification set up, and I would receive a scan of my daily or future mail cover. I received a cover of the first mail ( notification ) but nothing from Kimball , Tirey & St John LLP since I sent the certified dispute letter. I also check my mailbox daily, and nothing was sent by Kimball, Tirey & St John LLP. 

On XX/XX/XXXX, I still had not received a Debt Validation Letter from Kimball, Tirey & St John LLP. On the morning of XX/XX/XXXX, I received a notification from my XXXX credit bureau that Kimball, Tirey & St John LLP had posted this amount as a " collection '' on my personal record and damaged my credit significantly. 

I called and asked XXXX XXXX how his company could post this as a " Collection '' on my account if I had not received any Debt Validation Letter. The response I received was that, " we sent it out on XX/XX/XXXX. '' I asked if there was any proof that it was sent, such as if it was a certified mail or any receipt. The answer I received was " no. '' I was also told that he had acted within the law to post it to my credit bureau. I find it strange because I received no Debt Validation Letter and no proof or evidence of it ever being sent to me. At his time, I do not believe the action of Kimball, Tirey & St John LLP was within the law. 

A collection agency, especially one that has the ability to damage one 's credit, should know that evidence/proof is crucial. 

I also find it strange that the initial notice letter arrived without any issue, but when I asked for the debt validation letter, suddenly, there was an issue, and I was not getting it. 

I have asked Kimball, Tirey & St John LLP to send me the debt validation letter and the name/address of the original creditor on XX/XX/XXXX, but I do not know if I will receive it based on this incident. 

Regardless, there is no proof/evidence of why I should pay for something that there was no proof I owe. Without the requested information and having posted this as a " collection '' to my credit account, I believe they have acted with malicious intent by using this threatening tactic to damage my credit in order for me to pay for something without validation.
Consumer complaint received 2015-05-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE (PA)

On XXXX XXXX, 2013, I went into my local Huntington Bank Branch to close my account. The banker told me he would be sad to see me go as a customer and asked why I wanted to close the accounts. I explained that I had accounts elsewhere and wanted to keep the accounts at XXXX bank. He then wrote me a check for the balance of my account and told me that the account would be closed. Without my knowledge or consent, an automatic payment came through on the account on XXXX XXXX, 2013 for {$14.00}. This re-opened the account and pulled money from a savings account that I had at the bank at the time. I was receiving my statements electronically and was denied access after I closed the account on XXXX/XXXX/13, so I did not see this happening and had no knowledge of the activity. I was not contacted or informed that my account was re-opened. I did not authorize these transactions or the re-opening of the account. Recently, I decided to close out the savings accounts that I had huntington bank. When I went into the branch, I was told that I had XXXX accounts and that other accounts were never closed. In speaking with XXXX XXXX from the branch, we discovered that a fraudulent ACH charge was occurring every month on the account that I closed on XXXX/XXXX/13. This forced the account back open without my consent or knowledge. I explained that I did not authorize any of this and had no knowledge of any of this happening. XXXX completed paperwork to have the money refunded since the account was opened with a fraudulent charge. Huntington determined that an error occurred but that they are only responsible to pay me back {$44.00} or three months worth of charges. They admit it 's an error but only want to refund a very small amount. If I had been notified that the account had been re-opened, none of this would have happened as I could have told them at that point it was fraud. I tried to resolve this with a customer service agent, XXXX. I explained that I was told the account was closed. I XXXX out the account. I was denied access online to the savings accounts. XXXX was rude and unkind and later XXXX from the branch helped me file a complaint against him through huntington.
Consumer complaint received 2024-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

My property is located at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Select Portfolio Servicing Inc. is my mortgage servicer. Licensing ( NMLS ID : XXXX ) I have contacted them no less than 4 times by phone to alert them that XXXX XXXX and the city of XXXX has sent me on XX/XX/year> an intent to issue a XXXX ( XXXX XXXX ) which is a lien on my property due to unpaid property taxes. 

Currently my mortgage has an escrow balance of XXXX $ which should be illegal, as it is over the maximum amount that can be held in my escrow account. 

They refuse to pay my taxes from my escrow account with their company. 

I have contacted them, and they have had the letter ( attached ) since XX/XX/year> which is the intent to issue XXXX. 

Last time I contacted them in XXXX I let them know I was about to file a complaint with the CFPB. Nothing happened.
Consumer complaint received 2020-11-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (TX)

JPMCB auto finance has been on my credit report more thatn 10 months as a charge off and is causing a very big hardship on my credit score. Letters have gone out requesting the validation of the debt and no one has responded. I know the rights that I have to know what is on my report. I have consulted a lawyer and was told in our counsiling sesson that the responded has 30 days to respond or the debit should be removed, In this case nothing has happened. Please help to get a swift response as I would like to move on with positive credit.
Consumer complaint received 2016-06-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NJ)

WellsFargo closed my Personal and Business account without a notice or a warning. 
I went to a branch to withdraw some cash and the teller informed me that both my accounts ( Business & Personal ) have been closed by WellsFargo. 

I called WellFargo Risk management more than 10 times to get information about my account closure, they could not give me a proper answer. 

The Risk management called me days after my account closure, said they will hold the funds in my account for a couple of weeks, then send me a cheque for the remaining balance. 

My business is legit, registered, licensed and comply with XXXX programs.
Consumer complaint received 2015-10-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P. (MD)

I became aware of this debt when I checked my credit report for the first time in many years recently. I saw that Southwest Credit System has an amount of {$190.00} reported for XXXX, however this was the first time I saw this. I had not received prior notice of this debt, along with account information and what the debt is for. Since I had my identity stolen in XX/XX/XXXX, I wanted to make sure this is legitimate. 

I disputed it with XXXX on XX/XX/XXXX and also wrote a letter to Southwest Credit System requesting verification ( USPS notified me that my letter was received on XX/XX/XXXX- proof available ). XXXX has not notified me that the agency has responded, and I have not received a response to my letter. 

I understand that a collection agency does not have to respond to verification requests within a certain time frame, but in this case I was never notified of this debt or what it is for and need verification.
Consumer complaint received 2019-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HUNTINGTON NATIONAL BANK, THE (MI)

EST contact was around XX/XX/2018, I would be short on money. I had mad arrangements for Huntington Bank to take 3 payment directly out of my checking account, for 3 months. It was from opening a bank account, and I had not put money into the account. So they fined me XXXX Now today I get a letter from a collection agency XXXX XXXX XXXX a collection company. I'm trying to fix my credit due to another company 's negligence, now I've paid this bank and their trying to collect again, worse yet reported to a collection agency further ruining my credit. I want it removed, since their trying to FRAUDULENTLY SCAM ME AND REPORT TO A CREDIT COLLECTION AGENCY, I WANT MONEY TO COMPENSATE THIS DISTRESS, AND I WANT TO PRESS CHARGES ON HUNTINGTON BANK FOR FRAUDULENTLY TRYING TO COLLECT AGAIN WITHOUT PRIOR NOTIFICATION, AND REPORTING THIS TO A COLLECTION AGENCY. HOW DARE THEM. 

Credit Services
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ;
Consumer complaint received 2020-10-19
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: WELLS FARGO & COMPANY (TN)

This account charged off back in 2018 after a few late payments. 
We immediately set up a payment arrangement and made 3 years of monthly on time payments until account was paid in full. 
The credit report is inaccurately report 24 charge offs and negative reporting since 2018. Wells Fargo said they couldn't update credit report until we paid the account in full. The account was paid off last XXXX, and they still haven't updated the inaccurate credit reporting.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (FL)

Please see the attached letter which was received today XX/XX/24. First, the information is incorrect. See attached screenshot of the Truist app XXXXtaken today XX/XX/24 at XXXX. 

Clearly indicates that {$200.00} was due XXXX so not even 30 days late. 

They will get their money-heck, they are charging interest on it anyway-so they need to chill out and stop sending threatening letters. They are wasting paper and killing trees.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit score is at the XXXX in the Mr. requirements and for serve reason of getting denied because of very irrelevant things that pertain to having the XXXX XXXX credit card. My credit history shows I can afford it so I dont know what I keep getting to know can you fix this?
Consumer complaint received 2020-10-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: GreenSky, LLC (MI)

GreenSky , LLC keeps harassing me to pay them money I don't owe. I got 4 laser treatments for {$50.00} a session and GreenSky is trying to suck $ XXXX from me. I paid well over $ 1k for treatments I couldn't get. Due to my compromised immune system I couldn't even get treatments because they were for my face. I am still getting bills although I already paid for my 4 treatments. I get a XXXX check to live off of and GreenSky is trying to ruin my life. They are discriminatory as well as greedy.
Consumer complaint received 2016-03-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I had a XXXX and a XXXX mortgage on my primary residence. At some point, the loan was sold to Bank of America. In XXXX, I paid-off the XXXX mortgage in full. XX/XX/XXXX, I sold my home and paid off the XXXX mortgage in full. The problem is that the escrow company is holding back a sum of money equal to the XXXX mortgage because Bank of America refuses to send a letter of satisfaction regarding the XXXX mortgage. The dozen or so times that I have waited on hold, and endured repeated transfers, Bank of America can only tell me that they are not sure why the system wo n't send out a letter.
Consumer complaint received 2024-03-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd. (CA)

Hello. I want to file a complaint against the City XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX  as they have mishandled my insurance claim or lack of submitting one. 

On XX/XX/XXXX, I unfortunately, had to call the XXXX  and was XXXX to the nearest XXXX ( XXXX  miles ) away. For this transport, I was sent a bill of {$1900.00}. As soon as I received, I called XXXX to provide my insurance information for them to submit a claim. 

Sadly, I had to follow-up several times with the XXXX Of XXXX as they were not capable of submitting a claim. I spoke to : XXXX. XXXX, XXXX. XXXX, XXXX. XXXX, XXXX. XXXX, XXXX. XXXX ( a manager ), XXXX. XXXX, XXXX. XXXX ( on XX/XX/XXXX who said that a claim was sent on XX/XX/XXXX via USPS, and again on XX/XX/XXXX ). 

To my dismay, I received a collection letter from XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX that I now owe {$2200.00}. I also have tried to pay exactly what I owed which is the {$1900.00} but was denied and told I had to pay the fees on top AND had to pay before the 45 days to prevent my outstanding credit from being penalized. 

I did everything in my power to for what was owed after my medical insurance paid their part. 

I have spoken to many others about my experience and it seems this is similar to others experience with using ambulance services.
Consumer complaint received 2020-08-29
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (AL)

I have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and DEPTEDNELNET with no successful resolution. All 3 bureaus are reporting me late. There was definitely an error on their part. I was never late.
Consumer complaint received 2015-07-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (FL)

CONSTANT harassment from Navient regarding a student loan, even though I 'm a cosigner. When I called them today to stop the ridiculous number of phone calls at all hours of the day and night, the representative stated that they have the right to call me XXXX times a day! Not only is this a false statement, this is clearly harrassment! 

I know MANY people have filed complaints with your organization regarding Navient 's harrassing debt collection tactics. They are clearly excessive and abusive! How many more complaints must be filed against them for the CFPB to take action?!