davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (KY)

Our home had a foundation problem that was very bad. Had to send papers to mortgage company where we had a special engineer come in an give us cost home much it was going to cost to fix foundation. Was going to cost us XXXX dollars to fix..was working with mortgsge company ona deed in leiu. But never heard anything back. All i got was my wages garnished..
Consumer complaint received 2015-06-11
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Harris & Harris, Ltd. (KY)

Harris and Harris, LTD send me a letter reference to Collected money from XXXX XXXX XXXX when I started made Money Order payment in XXXX, 2014. They do n't reflected on his Computer. Recenlty The XXXX XXXX XXXX send a Finacial Assistance Award Letter as said The State paid a 100 % per cent, but they do n't believe me because, When I contacted The Debt Collection Agency was recorded on the phone they do n't asked me for The Reference Number of The Award Letter to Confirm as well.
Consumer complaint received 2016-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Ceannate (MI)

I entered into agreement with navient for student loans. Now I am being approached by a collection agency about a federally subsidized loan. The company approach is deceitful. Blatantly lying and baiting me. Will not allow me to discuss matter when I am not at work. Would not schedule a callback without trying to force me to answer questions.
Consumer complaint received 2023-03-27
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: CITIZENS FINANCIAL GROUP, INC. (TX)

in accordance with the FAIR CREDIT REPORTING ACT..citiznpayloc acct # XXXX, has violated my rights. 
15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604A section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions 15 usc 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2024-05-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I received a letter of communication regarding an alleged debt that was assumed I owed to XXXX XXXX. Resurgent Capital Services , L.P, also known as LVNV Funding LLC purchased a debt that was a part of a data breach lawsuit with XXXX XXXXXXXX. Resurgent Capital Services , L.P, also known as LVNV Funding LLC, has ignored many request of verification, also have not providing my detail documentation to collect in the state of Texas. Also, the statute of limitations on debt in Texas is four years. When section 392.007 of the Texas Finance Code law was put into law in 2019, the states ensured any payments on the debt or activity on my credit report does not restart the clock on the statute of limitations. Resurgent Capital Services , L.P, also known as LVNV Funding LLC keep adding this information to my credit file. Texas statute of limitations is 4 years. Also, section 15 U.S. Code 1681i ( a ) - procedure in case of disputed accuracy. Resurgent Capital Services , L.P, also known as LVNV Funding LLC refused to comply, and continued to report monthly on my credit files as LVNV Funding. Also, LVNV Funding LLC as a third party debt collector, also sent the file to XXXX XXXX XXXX to collect. I never inquired with Resurgent Capital Services, L.P, also known as LVNV Funding LLC.
Consumer complaint received 2022-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: U.S. BANCORP (CA)

I have open a checking account at US Bank branch of XXXX and also a credit card with online banking but unfortunately I have been a victim of scams after that US Bank closed my checking account and I am unable to access at my online account even for my credit card so I am trying to fix this issue with US Bank. They didn't accept my request. Now I need to have acces to my credit card transactions but I can't, I must make a call each time and I loose a lot of time to follow transactions and payments. I would like to reopen my online banking with my credit card.How may I do and proceed.thank you.
Consumer complaint received 2021-08-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (AL)

I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney.
Consumer complaint received 2022-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MI)

{$56.00} to XXXX they have Transworld systems doing debt collection on this. 

XXXX stopped picking up our trash and we tried multiple time to see what the issue was. We found out they were going to stop services in our area. We did not get any service prior to the date given and could not get any response from XXXX. We had to get a new provider for our trash and came home one day and they actually came out and took the cart. 
The XXXX weeks prior to them ending service they never picked up or responded to and calls or XXXX mails. 

We should NOT owe anything as they did not pick up the last month of service as they stated they would.
Consumer complaint received 2021-04-27
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. (MD)

I called XXXX  to understand why my credit was again lowered, 2 years after what they thought was a missed lease closure payment ( it was settled 2 months later ). 
XXXX sent the correction at the time. But it was not recorded nor it brought to a raise back then. Now, 2 years later, it brought to one more hit on my credit score, which is costing me a higher mortgage refinancing rate proposed by my bank. 
My problem is even more general : the fact that I pay ( and paid for the last decades ) religiously, monthly bills for a total of more than {$5000.00} ( closer to XXXX these days ), does not map with the heavy score lowering for a few XXXX bucks ( from the high 700 to the high 600 at the time, low 700 these days ). 
The impression ( and complaint ) is that there is a credit bureau and banking system credit scoring cartel, to artificially lower the purchasing power of the middle class. 
There are thousands of credit score algorithms, whose formulas are well hidden, but every single one of them gives an exorbitant importance to late payment, independently of its size.

From a logical point of view, this would push the cost of ( fewer ) large sums unpaid, on the ( larger number of ) small sums unpaid. 
Nobody in the Credit Bureaus hierarchies ( I talked all the way up to a VP ) could explain any detail of the algorithm principles, as it's considered " automatic ''. 
But it's easy to reverse engineer the principles I delineated above. 
I have ( or can procure ) supporting documentation to prove payments and credit reports to show the impact, but I will provide it only upon request. 
Thank you and have a great day
Consumer complaint received 2017-03-18
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (FL)

I have been a costumer with best buy for many years lately I have noticed that even buy doubling my minimum payment the balance did no budge much I went to take a look at where my interest rate was and I found out the interest rate was no were to be found on the credit card website all what is shown is my minimum payment and the balance. I called Citi as they are the ones who issue the best buy credit card, they told me that my interest rate was in the statement if i chose to download it. After I downloaded the statement I found out to my surprise that my interest rate was not there either. 
I am at this point assuming that the Interest rate is not made obvious to keep the customer unaware of the outrageous 25 % + .. interest rate. 
I do n't believe that this practice is ethical I always chose to be on paperless billing, for personal reasons but I do n't think that Citi should keep there costumers unaware just because they chose to bank online. 
I take full responsibility for not being aware of the interest rate, but I hold Citi responsible too for not making it obvious when I login to my account. 
The least that should take place is for citi to make the interest rate as obvious to see as the minimum payment and balance. 

I am also attaching the statements I downloaded in three formats that were available. 

Thank you
Consumer complaint received 2020-10-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MD)

I had loaned a friend {$650.00} and she paid me back by a transfer to my Paypal account in XX/XX/2019. I attempted to do an Instant Transfer to my XXXX XXXX XXXX XXXX checking account but the funds never arrived. I messaged and called Paypal customer service multiple times  over the next several months, as well as XXXX XXXX XXXX. We initiated a trace but Paypal insists the transaction shows as completed in their end and the bank insists they are unable to find record of this. I have never had an issue with transferring funds before, but this is the first time I tried doing an instant transfer and it has been a nightmare to deal with.
Consumer complaint received 2015-11-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BC SERVICES, INC. (CO)

In XXXX of 2014, I had emergency surgery. I had XXXX XXXX health insurance at the time of the surgery. XXXX paid all claims submitted by providers. XXXX provider, Colorado XXXX XXXX, says they repeatedly submitted a claim to XXXX but the claim was denied. XXXX 's records show no claim was ever submitted by Colorado XXXX XXXX. The medical provider acknowledges they had complete and accurate insurance information for me and that I did my part of the process as a consumer. The medical provider did not perform their due diligence in submitting the claim in a timely manner. Once one year from the date of service had passed, they say they sent me a bill. I did not receive a bill from them and doubt the bill was sent ; it seems that they claim to have billed me the same as they claim to have submitted to XXXX, but no record can be found. They sent the account to collections and say I was notified, but I can locate no record of notification. 

On XXXX XXXX, 2015, I was served with a summons indicating I am being sued for the amount. It should be noted the summons was dated XXXX XXXX, but not issued until a full month later. Once I received the summons I contacted XXXX and Colorado XXXX XXXX. XXXX asked that the company resubmit. The staff member at Colorado XXXX XXXX assured me they would resubmit the claim. They did not. I had to contact the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX for assistance. They were able to review XXXX claim logs for the entire year and verified that the medical company had not ever submitted the claim. They will not submit now, which is needed for XXXX to issue me a statement of benefits showing I owe them nothing. 

Now, I am being sued for the amount of the bill, collections fees, and court fees. For something that is the fault of the health care company not following procedure. I am livid that I have no consumer protection from this sort of senseless lawsuit when I had insurance that would have paid the claim if it had been submitted.
Consumer complaint received 2015-10-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

FRAUD : The XXXX Trusts never operated and never received any investments dollars or any startup funds. They exist only on paper. There is a blizzard of paperwork, forged and fabricated assignments, endorsements, backdating, etc. The " pass-through '' characteristics of the XXXX Trust is not operating either.
Consumer complaint received 2015-05-19
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX XXXX XXXX XXXX 's mastercard XXXX was charged {$23.00} twice. it should only have bee charged once. boa refuses to correct problem. 

i set up billing dispute XXXX for {$23.00}
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Upon receiving my Consumer report # XXXX from EXPERIAN XXXX I noticed the are still reporting inaccurate personal information on my file. Address ID # XXXX Not my address/ Address ID # XXXX Not my address Please delete these addresses and update my file.
Consumer complaint received 2022-09-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-04
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WorldRemit Corp. (CO)

I tried to send {$200.00} to a friend in XXXX via XXXX XXXX transfer through Worldremit on XX/XX/2022 It turns out there's a daily limit of {$100.00} so the transaction was frozen. I searched for a refund button on the Worldremit website but was unable to find one. I called Worldremit about the problem with transaction # XXXX. They quickly found the transaction and said they'd work on it. On XX/XX/2022 I received an email from Worldremit saying, in this case the recall was unsuccessful, and nothing further could be done with an apology for any inconvenience. My complaint is what happened to the {$200.00}?
Consumer complaint received 2016-07-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Linebarger Goggan Blair & Sampson LLP (CO)

Complaint : XXXXI am rejecting this response because : I have sent a new response via mail to this business. 
The " photos '' do not show the driver of the vehicle as requested in the original request for validation. 
The photo of " Time and Date '' are only clearly legible in XXXX photo. The photo is too small to show any such validation. 
Neither photo shows a location or mile maker of where the car was located on " XXXX XXXX ''. 

The original letters very clearly stated to ONLY contact me AGAIN with the Validiation as REQUESTED which was 1 ) A photo of the driver of the vehicle- which was NOT sent 2 ) A photo with the vehicle located on " XXXX XXXX '' - which was NOT sent My cease and desist was VERY CLEAR- if you could n't provide the validation as REQUESTED then DO NOT CONTACT ME. You absolutely denied my cease and desist request by sending " documentation '' that I DID NOT request. You only sent what you " wanted '' to believe is " validation '' to continue to " pursue '' a debt that has yet to be properly " validated '' Additionally- I never received a bill from XXXX XXXX which appears to be a " known issue '' in consumer reports and ripoff complaints. Sending a piece of paper does n't prove they were actually put in the mail or that I actually received them. There is no way to justify an {$80.00} bill for " claiming '' that someone had traveled on a XXXX XXXX twice. 

" XXXX XXXX '' has been under scrutiny several times and I will NOT partake in the scam. They are known to send people to collections before sending bills and then by the time people are " notified '' theres added " collections fees '' and " attorney 's fees '' and then blame it on " computers '' or people " moving and not updating addresses. '' Well I 've been at the same address for 7 years ... so explain that XXXX. Their cameras are " high tech '' yet their " computers '' XXXX up XXXX of bills ... read the XXXX reviews on XXXX OR the following articles XXXX I can see why " XXXX XXXX '' wants to collect as much as they can and rack on fees when they are {$450.00} XXXX dollars in DEBT XXXX Since the " attorney 's '' at XXXX XXXX and XXXX may be able to read a cease and desist request- they severely lacked the comprehension to understand the request ... and they proceeded to send me " information '' I did NOT request after receiving a cease and desist demand ... 

I 'm tired of being harassed. 
I can provide documentation of my letters requesting the Cease and Desist if my validation documents COULD NOT be sent as requested. 



Regards, XXXX XXXX
Consumer complaint received 2023-03-27
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. (NY)

This complaint is in regards to the late payments that are being furnished and reported by on my consumer report by Equifax. 

I have the right to privacy. XXXX XXXX XXXX XXXX  never disclosed to me that I had the option to opt out of my non public personal information being disclosed to any non affiliated third party. Furthermore, transactions or experiences between consumer and the person making the report are to be excluded from consumer credit reports. My consumer rights are being violated. XXXX XXXX XXXX XXXX  did not receive any permission from me in writing, verbally or otherwise to disclose any of my non public personal information to any non affiliated third party and I was never given the opportunity to opt out of my non public personal information to be disclosed to any non affiliated third party. Your company have assumed a vital role in assembling and evaluating consumer credit and other information and are obligated by law to be fair, impartial and respect the consumers right to privacy. I am requesting that the following items be removed from my consumer file. 
1. 30 days late 2. 60 days late 3. 90 days late Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2022-09-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: EDvantage LLC (AZ)

I told tuition options that I wasnt able to keep up with my payments and the customer service lady said to me and and my mom that I if I was still enrolled in school that I wouldnt make payments on my student loans I just got XXXX XXXX XXXXl I started up in XXXX and tuition options contacted my today asking if I can make a payment I have no job and I got denied for trying to take a loan out so I can be able to pay for college tuition options knows this and yet they keep asking me when Im going to pay. When I had talked to someone over the phone to try and get help or other options so I can repay the loan the customer service representative said thats not my problem that you cant pay on youre student loans.
Consumer complaint received 2015-03-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

Recently, Citibank sold their banking accounts to XXXX XXXX XXXX. We received numerous correspondence, stating the transition would go smoothly and without issues. That is not the case. We have yet to receive our XXXX XXXX XXXX checks and debit cards. Citi was supposed to keep our debit cards active until we received and activated the new XXXX XXXX XXXX cards, yet they just shut them off on or around XXXX XXXX. We are now faced with bills to pay, shopping to do, gas for our cars and we have no access to OUR MONEY. XXXX XXXX XXXX says they 're helpless and blames Citi. Citi is unresponsive and in my opinion uncaring. Now - we have had direct deposit for XXXX my wife 's and my paychecks into our checking accounts and they were to be deposited today. Guess what - no deposits have been made. We are now in a situation where I 'm concerned about being able to pay our mortgage and other bills due around the XXXX of the month. Our credit worthiness is at stake. We have maintained credit scores in the low XXXX for years and now we are faced with at best having to go to our credit union to withdraw cash and then take that cash to a Citi location which does n't exist anymore in Texas. This is an abomination and we will seek damages in an amount consistent with their inept handling of this matter. No one has any info about this and no one will own up to their respective XXXX-ups. This is our money and the banks have essentially taken away our ability to use XXXX MONEY. What are we to do???
Consumer complaint received 2024-05-15
Product: Credit 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: CITIBANK, N.A. (FL)

I paid for a service and it was cancelled, and I showed proof of refund but the credit card hasnt done anything to help me resolve this dispute favorably.
Consumer complaint received 2023-03-27
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. (VA)

I have been in a tug of war Wirth Experian since XXXX XXXX  about an account that has been paid and settled in full.