davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (PA)

I was having payment discussion with my mortgage servicer in XX/XX/XXXX about setting up payment arrangement to catch up our mortgage from the late fee 's that had accumulated on our account. Seterus which is the servicer. I spoke with a representative from Seterus by the name of XXXX. We set up a payment arrangement on XX/XX/XXXX for the months of XX/XX/XXXX and XX/XX/XXXX to pay a certain amount and it would catch the account up including all late fee 's. At the time of conversation, I had also made the XX/XX/XXXX payment of XXXX XXXX. Seterus sent a letter XX/XX/XXXX with the agreement which the dates and amounts were wrong, and showing an amount for XX/XX/XXXX. on XX/XX/XXXX I spoke with XXXX again and told her I was unable to adhere to that arrangement and that I would not be able to pay my XX/XX/XXXX mortgage payment until XX/XX/XXXX. I told her I would call her to make the payment and set up new arrangement or a payment plan for XX/XX/XXXX and XX/XX/XXXX. She asked me if I could make a payment on XX/XX/XXXX, which I told her I was not sure I could do that, and I would call to let her know at that time. Never in our conversations did I authorize a auto-withdraw on my checking account. XX/XX/XXXX Seterus unlawfully withdrew {$2200.00} from my bank account without my authorization. I contacted them and told them they needed to send notification to the bank that day ( Friday XX/XX/XXXX ) and stop the withdraw that was showing in " Pending status '' The representative said that they could not do that and that it is too late. They stated I could go through the process of dispute which I would have to pay a wire service to have the funds wired back into my account, when they unlawfully withdrew the funds. I stated to the representative I wanted proof ( today XX/XX/XXXX ) sent to me that I authorized such a withdraw. He never answered the question and invaded it. They would not send the notification over to the bank stopping the withdraw. So in essence they refused to send it knowing they unlawfully withdrew the funds.
I have consulted with an Attorney and he advised that the first step is to file with the Consumer Finance Protection Agency. Representation will be obtained officially after this complaint has been answered, and a possible civil law suit could ensue.
I have also filed a complaint with BBB I have also filed a police report.
The Pennsylvania Attorney Generals office will also be contacted.
Consumer complaint received 2018-03-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

Good Afternoon, I know this may not be a concern of yours and I understand that you may have other things to do. My name is XXXX XXXX I attended XXXX XXXX in XX/XX/2003 I failed to graduate due to my own personal issues, but I am now sitting at an estimate of {$81000.00} due to late fees, interest rates etc. My concern and problem is I am not able to pay this amount, I am a single mother of XXXX I am a hard worker and I do not live off the government. The cost of living is through the roof, not sure if you understand what that means or mean to struggle no offense. XXXX XXXX has closed due to bankruptcy not sure how that is possible either, for whatever reason they were unable to get anymore funding. I do not understand how the process works when getting a loan to attend college, not sure if the full amount of the school is paid by the loan company and the requirements if you do not finish. A reasonable thought of mines to help companies and low income families is to requset the funds back from the school or required for the school to give it back if you do not attend the school anymore, but again that is my opinion. I did sign up for the income driven program, but from my understanding I will be in more debt. I am reaching out because I am concerned and understand its not a problem of yours being that this is your company, but I really need help with any resources ideas something. My financial situation can not fit another bill, I don't quilify for assistance because I am constantly told i make to much ( XXXX ). I know I may never hear from you are your assistant, I just needed to explain my current situation that myself and your company is having. One last thing did navient buy out XXXX XXXX or did the name change or how is it even possible to owe a company that I did not originally sign with. I hope to here from someone that understands my concern. Again I am a hard working mother I don't sit at home waiting on handouts, but I am asking for some help I constantly hear about forgiveness programs, but for certain people who are you really forgiving or what is the meaning of forgiveness. My contact number Thanks I pray I hear back from someone that is willing to help me or guide me in the right direction.
Consumer complaint received 2017-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (TX)

In XX/XX/XXXX, I received an offer of 0 % promotional APR on all new purchases until XX/XX/XXXX. I  took the advantages to advance {$20000.00} on XX/XX/XXXX and another {$20000.00} on XX/XX/XXXX after paying a balance transfer fee of {$2000.00}. 

Minimum payment was debited from my checking account on due date every month. In addition, I pay for all the new purchases before each due date. Not only that I never owe on the new purchases, my balance has always been way below {$40000.00}. However, CitiCard keeps charging me high interest rate on my purchases, I called three times to ask for an explanation. They told me that whenever I used my card for purchases, interests would be applied because the system was not set up to tell whether the payments were for the new purchases or towards the {$40000.00} cash advance. I was advised to pay off the {$40000.00} or not to use the credit card at all. 

Since I have prepaid {$2000.00} balance transfer fees, it is not fair for me to pay off the {$40000.00}. I have quit using this credit card in the last two months, yet there are still pre-set automatic payments from this credit card account.
Consumer complaint received 2015-06-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America started charging monthly maintenance fee on checking account based on changed criteria. Earlier to XXXX 2015, BOA used to charge monthly maintenance fee of {$14.00}, if " monthly average balance '' is less than {$1500.00}. Since, XXXX 2015 the bank changed their criteria ie BOA started charging monthly maintenance fee of {$14.00} if single day balance in a month is less than {$1500.00}, even though average monthly balance exceed {$1500.00}. The website, online site clearly mentions maintenance fee will be charged if 'average monthly balance ' during a month is less than {$1500.00}. When you call customer service and complain they give credit on the fee charged.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-01-31
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: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$620.00} There are no contracts, no valid claims ... account was settled original with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Reported two 120 Day lates, Both in XX/XX/XXXX ( XX/XX/XXXX ). There is a {$0.00} balance on this account. I have made numerous attempts disputing this negative reporting, both to XXXX XXXX and Equifax Credit Bureau but as of to date there has been no resolution of corrective action granted. 

My issue is not soley with XXXX XXXX it is with Equifax. It is my belief that due to my continuous disputes of the XXXX account, regarding the matter of inaccurate/false reporting, Equifax purposely and falsely marked two 120 Days late on my credit file, XX/XX/XXXX. 

Today, XX/XX/XXXX I made contact with SN Servicing, I spoke to 3 representatives to inquire of the exact year and date of their last reporting to Equifax regarding the negative account. I was told that the account was closed and last reported to Equifax in XX/XX/XXXX and they have not reported any other negative information regarding this account since. If XXXX closed the account and last reported XX/XX/XXXX how could it be possible to have two negative reportings of 120 Days in XX/XX/XXXX as it is reported on my Equifax Credit file. 

Please, I need to understand if and why this is a fair, accurate, and truthful reporting according to Equifax. PLEASE HELP! My husband and I have been declined a mortgage due to this false reporting.
Consumer complaint received 2018-03-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

We had to declare XXXX in about XXXX or XXXX. We were then told to try to build our credit back up a little at a time. So, we took out some preapproved credit cards. Not realizing that the finance charges were so unfair. Then my husband was badly hurt at work. At about the same time. He is on social security XXXX. I have XXXX and it is well documented. Anyway, that was a long time ago. And I told them we absolutely had no money. The man on the phone cussed at me, he called me a liar and he sounded like I had taken money from him personally. Anyway I refused to make any kind of payment plan as we did not know what was going to happen to my husband. He could not ever be fixed. He can not read. He only knows hard labor and he can not do that. I only got my card because it was preapproved. It was Capital One XXXX. I tried to make payments to Capital One but simply was not able. Now, a place called XXXX XXXX XXXX XXXX has a lien on our place for almost 3 times what was ever owed. The info I have on them is that they can not make a living as real lawyers so they pick up these old debts and they try to scare you or badger you until you pay it. They are based in XXXX  XXXX, OK, XXXX. XXXX XXXX, XXXX phone # XXXX XXXX XXXX XXXX filled out the lien. XXXX XXXX XXXX, XXXX, # XXXX, XXXX XXXX XXXX # XXXX are supposed to be the lawyers. It has been so long since I even had a credit card or a bank account. I just want answers. I want to talk to the original place, Capital One.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

To whom it may concern, I had a line of credit with Wells Fargo open in XXXX. Wells Fargo claim that I was 30 days late back in XXXX my records show that I was on time every month. So I would like for this derogatory to be removed from my credit.
Consumer complaint received 2018-03-23
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: Bread Financial Holdings, Inc. (VA)

XXXX XXXX refused to remove their inquiry off of XXXX  after six contacts with their company and XXXX  and I have had no resolution. XXXX XXXX removed the inquries from XXXX XXXX and XXXX but not XXXX. I already contacted them via email and have had no response.
Consumer complaint received 2021-09-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Hey on XX/XX/21 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 56 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 56 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

I was alerted from Experian that a new inquiry was placed on my credit from XXXX yesterday XX/XX/18. I didn't even authorize it this so I called XXXX XXXX spoke to XXXX and explained what happened then she transferred me to fraud, and I spoke to XXXX who saw the attempt to open a card in my name and it was declined and he didn't know why an inquiry was done.
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my credit report and noticed my credit was pulled by XXXX. I never used this company for any services or applied for a loan with this company.
Consumer complaint received 2018-03-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rothberg Logan & Warsco LLP (IN)

On XX/XX/18 I was called into the HR office where I work about a wage garnishment, I had not received any notification from Rothberg Logan and Warsco LLP at my home or through the XXXX County Court System. They have been garnishing my wages for several years, they have caused my daughter and I to live in a state of oppression for several years. I have a set a court date I knew nothing about until today. On several occasions they say they have not received payments that have been sent, they have put levys on my bank account, causing bills to not be paid or paid late, I have asked for them to put me on a payment plan that I can afford and the last few times I have requested to do so they want XXXX, bank statements, check stubs, etc., and to take things to court, or for things to be faxed to them when I have no access to a fax machine and cant afford to mail all that information. 

Also, I want to state that I was not served by the court I was served by my employer. Which I believe should have come from the court not the HR department. 

Also in the six years I have had to deal with this company not once have I seen a proof of obligation just letters stating I owe them money.
Consumer complaint received 2017-08-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

Loan started at {$32000.00} prin.amt. The prin.amt.has gone up instead of going down. have been paying on it for about 12 years and have paid about {$23000.00}, So can you tell me what 's up with that? I can understand paying interest, but I ca n't understand why the principle amount does n't go down instead of up. Navient is taking advantage of this loan and I have no way to get out of it. They put this loan on interest payments only, ( without my request ).
Consumer complaint received 2019-05-11
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. (TX)

I've sent multiple dispute letters and also online disputes demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts. They failed to positively verify these accounts. These accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed below. 

XXXX/XXXX XXXX CC XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX  XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXt XXXX Unverified Account
Consumer complaint received 2018-03-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AFNI INC. (FL)

Tranfer acc to another lender never did a Contracts with Afini, XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX also was never inform about this decisions, also calling me people that I dont know calling my job never receive letters the main company never discus with me nothing per hippa law my information shout be private not to send to people that never did Contracts with them also dispute all this on XXXX past more that 45 days no info receive?
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

There are inquiries on Equifax report that I did not consent to. 

Equifax Mortgage Ser Inquiry from XX/XX/2021 XXXX  XXXX Inquiry from XX/XX/2021
Consumer complaint received 2018-03-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I was in the process of doing an FHA streamline refinance that would have saved me significant money on my monthly payment. Towards the end, we were working with Lakeview Loan Servicing LLC to order a payoff. 

Lakeview stalled my originating lender by over 1 week in getting a correct payoff. My lender requested that my impound account be netted towards the payoff, which would reduce my cash to close by {$XXXX}. At the last minute, XX/XX/2018 after a lot of effort on behalf of my lender, they relayed the news that they would not do a netted payoff. 

This made it so that I had to come in with an extra {$XXXX} that I did not have, and I had to cancel the loan. My lender is willing to re-attempt this next month or anytime in the future if we can get a netted payoff. But if we can not, Lakeview has made it unnecessarily difficult to complete my refinance, which would have saved me over 10 % on my monthly payment. Additionally, this is egregious because since my loan has started, rates have gone up on average by 1 % - which makes an FHA streamline not doable. Therefore, I may lose out on savings for the next 29 years of my loan, because of Lakeviews unwillingness to have client centric policies in regards to netted payoffs!
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Upgrade, Inc. (FL)

I have a Upgrade card line of credit # XXXX and the other day I tried to make a purchase only to receive a letter that I was not able to make a draw because they were not able to verify my identification. I am really concerned because I submitted the documents including a picture of myself and my Identification along with verification to my bank and income verification.