davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NC)

XX/XX/2023 for XXXX at time XXXX. 
Police report XXXX with XXXX XXXX XXXX XXXX, NC Informed Citi Bank of fraud and informed Best Buy. I fear this charge will not be removed from my card. I did not make this instore purchase and have requested XXXX retrieve footage at time of purchase but am being told they will not release the footage. Please assit me with this request or to ensure all measures are being taken to resolve this fraud.
Consumer complaint received 2015-06-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Aargon Agency, Inc. (IL)

AARGON ORDERED EXPERIAN TO COMMIT CREDIT COLLECTION AND REPORTING FRAUD AND REFUSES TO REMOVE SAID ACCOUNT AFTER PROVING THAT THE ORIGINAL CREDITOR IS ACCEPTING PAYMENTS IN VIOLATION OF FDCPA, FCRA
Consumer complaint received 2016-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Flatonia Investments, LLC (AZ)

I was doing business with XXXX XXXX at Envoy Mortgage. We spoke on the phone and locked the rate at XXXX at pricing XXXX. There was a fee of 2.48 % for prepaid mortgage insurance and the difference of XXXX was supposed to come back to me to use toward closing cost. At the last minute when the closing disclosure was sent the fees looked off and I did not see the credit of XXXX ( roughly XXXX dollars, I can provide exact amount ) on the deal. When questioned about XXXX stated he made an error in the fee that was quoted and it was actually XXXX higher which would bring it to XXXX. This was brought to my attention right before signing loan docs and I had no choice but to sign to ensure that I would have a house. Even with XXXX 's error that still leaves XXXX ( about XXXX dollars ) in missing credits. XXXX also stated he gave me a XXXX credit which he matched the offer from the builder 's lender. He stated he left off fees as not to list them. In my eyes XXXX still owes me XXXX in seller credits based on the facts that I have.
Consumer complaint received 2017-07-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (CO)

Selene Finance continues to try and conduct an illegal foreclosure to cover up the errors made by their own agents. I can document this information and am currently dealing with the legal department at XXXX XXXX in an attempt to straighten this problem out, but am facing a foreclosure sale date of XXXX XXXX. Selene Finance continues to insist that I received a deferment on my loan in the past, thus I am not eligible for another or for any options. This is false. In the spring of XXXX I applied for a loan modification from XXXX XXXX, who was the servicer at the time. I explained that my ex-wife was on the note, but she had deeded over her interest in the property. They said she would not need to sign the modification as long as I sent them a copy of my divorce decree and her deed of trust. I did this and they received them. They never asked for nor received any financials from her. They set up a modification plan and told me I needed to pay the payment for 3 months to show I could afford it. I did this and they told me I needed to keep making this payment until they got the final paperwork done for the modification. This took 2 more months and I made 2 more payments. When I received the final modification documents they had my ex-wife 's name on them as a co-signer. When I called to tell them this they said I should whiteout her name and sign the documents. I did this and made 1 more payment, and then they called and said the modification could not go through without her signing on it. She refused to sign and so the modification was canceled. When Selene took over the servicing and started the foreclosure process I asked why the almost {$9000.00} in payments had not been credited as payments and they said since the modification did not go through these were not considered payments and Selene Finance just kept the money. Not only is it unethical to accept payments and fail to apply it to my account, it is illegal. XXXX XXXX agreed on a modification, then went back on their word and took it away. The servicing was transferred to Selene Finance and they kept the almost {$9000.00} in payments and refuses to give an accounting of these funds or apply it to my balance.
Then Selene Finance tells me one of the reasons I am being turned down for a loan modification is because I already had a deferment on this loan. This is just one more reason Selene Finance should be required to give a modification and be punishedI am not surprised, since Selene Finance has already been fined by the government for unethical behavior. Selene Finance has repeatedly tried to set an auction date. I sent all of the required paperwork in, but they said they would not review it because it came in too late. At this time I am trying to work with the foreclosure law firm for Selene Finance, but dont feel good about it and am concerned they will sell my house out from under me, even though I clearly qualify for help and was misled by the agents at XXXX and Selene Finance
Consumer complaint received 2021-10-03
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. (MI)

I am writing to delete the following inaccurate, contradictory information in my file. 

I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering my abilities as I'm trying to advance in my life & you guys are not following the laws like the FCRA 609 section by reporting 100 % accurate information on all three bureaus!.
Consumer complaint received 2022-10-03
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: HYUNDAI CAPITAL AMERICA (NJ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$420.00}
Consumer complaint received 2016-06-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

I submitted a complaint on XXXX/XXXX/15 about transworld systems reporting a erroneous collection account on my credit. Per federal and state laws the burden falls on the debt collection agency to validate the debt and if they can not then the account must be removed. Based on the response from transworld systems they are unable to very that I owe a debt and requires more information. I have already supplied name, address, date of birth, and social when filling out the complaint as well as list the masked account number that was visible on my report. How can this be proper reporting when they basically wrote back saying they do n't know who I am. See previous complaint below. 

XXXX/XXXX/15 Transworld systems Inc. Is reporting on my XXXX credit report and I have no knowledge of this item. I never received the notice of the right to dispute from. the company and this item needs to be removed from my XXXX credit report immediately. This same company was duplicating reporting XXXX accounts. XXXX account was removed yet this debt was never validated and I did n't receive proper notices.
Consumer complaint received 2017-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA (SC)

MOHELA continues to find ways to extend loans by using recalculations. Example I pay off a loan, incidentally all my loans get a little extra payment from that months auto debit. They then recalculate my payment amount based on this current paid ahead account status. I end up with a lower overall payment but they ensure they get their 120th payment. Level repayment should mean level repayment. They have the audacity to say that my loans on a ten year plan may require a large payment to satisfy the terms of my loan at the end, I pay nearly 8k extra every year. -typed on iPhone
Consumer complaint received 2015-08-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ULRS, Inc. (CA)

My husband had a tenant he turned over to collections thru XXXX. The tenant then filed a lawsuit against XXXX us because they threatened to harm his credit. I sent an email to put this on hold till it could be resolved. They said it could not be placed on hold had it had to be cancelled. I cancelled it and then they sent us a bill for {$52000.00} and my husband called them and they offered to settle for {$10000.00} or " make an offer ''. He told them he had other accounts to send to collections and once this is resolved, he would give it back to them to handle. Until then he thought they might have done maybe {$100.00} worth of work.They then called me and demanded the whole amount and I told them they had done nothing but send a letter and how do they think that entitles them to {$52000.00}? He said to pay it today or it goes up to {$72000.00} on Monday.I would be brought in and held equally responsible because I was the spouse. I told them if they expect to get paid {$52000.00} they need to collect 3 times that amount to get their commission and he said the debt is owed. This is totally ridiculous. You send one letter and expect to be paid {$52000.00} and then {$72000.00} from the person who hired you in the first place? I work on a commission basis and if the deal does not come together, you do not get paid. How do they think they deserve to be paid this exorbitant amount? Then we got collection letters from their partner company, XXXX XXXX, which is also threatening to damage our credit.
Consumer complaint received 2017-02-16
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: D&A Services, LLC (OH)

A debt collection company has called repeatedly leaving messages with family/friends saying that they are calling from D and A Services ( or DNA? ) to collect a debt and information to return the call. I, as well as family/friends, contacted the company and requested that they stop calling. They have not. Also, they do not always state who they are attempting to contact regarding this alleged debt, I believe intentionally, in order to have my family member ( s ) return the call. They have also given out private information such as my name, the amount of the alleged debt, and also ask for my contact information. This has been very annoying, frustrating, embarrassing, not to mention illegal. They are just flat out completely ignoring all requests to stop the calls. I do not know what else to do other than file a complaint and talk to an attorney. It is apparently a useless waste of time to continue requesting that they stop calling so I am hoping that this complaint will help. Thank you for taking the time to read my message and for any assistance you can provide.
Consumer complaint received 2017-07-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (PA)

I received a letter to modify my home as well as a phone call from Citi Bank saying if you wired XXXX To Citi Bank today we will give you back your homes. Please understand I was locked out of my house for many years at this point. I was happy. I thought I finally I got through to someone to help me get me back in my home. OWNED 27 years Then on my apartment shares I owned for 32 Years. I paid my maintenance every month on time. One day I got a check in the mail for the amount of two months of my maintenance back in the mail. So I called the management company asking what is going on with my apartment and Shares that I own? They explained I did n't pay my maintenance. I then said if I did n't pay my maintenance. How are you sending me a refund? I then went to housing court AFTER they illegally sold my home as well as my apartment SHARES and was told this is all illegal. They also asked why Citi Bank did not help because they had an interest in both the home as well as the apartment building and shares. I tried to contact Citi Bank so many times and they said they will HELP ME. Well guess what? They never helped. Not to add this but I 'm very sick, and sometimes to proud to ask for help. But I have been begging Citi Bank to help me, and they never returned my calls. Both these properties I bought by myself. I worked 2 jobs after my family robbed money from me. I said I will never be in the street again. My Mom and Dad are gone at an early age. I had nothing but my property to always have a roof over my head. I always paid my bills on time. I 'm in shock that such a wonderful bank would not help me find Justice.
Consumer complaint received 2016-11-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stellar Recovery, Inc. (IA)

I discontinued service with XXXX and they pressured me into holding onto their equipment for no-charge. I told them I 'd consider service again at some point, but I was already under contract with XXXX. They called me constantly about their " deals ''. I repeated numerous times that I would consider their service again once I was out of contract with XXXX and they stated they would n't charge me anything for the equipment. I told them I would immediately send the equipment back if I would be charged any kind of fees. This went on for months without a problem. They assured me that I would n't be charged. Then I started getting miniature charges of {$6.00} here or there. I told them I would send the equipment back and they kept billing me for " maintenance '' fees on the account even though I was no longer under contract for TV service. Apparently there 's a debt of {$21.00} for needing to " service '' my account even though I did n't have TV service with them anymore. I owe them nothing, but they have turned it over to a collection agency called Stellar Recovery Inc .
Consumer complaint received 2017-05-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Emerald AR Systems, LLC (PA)

I contacted emerald Ar Systems inc around  XXXX  regarding the balance of  XXXX . I asked them to negotiate this amount based on a affordable settlement offer. This collection agency failed to renotify me of this debt and also failed to come up with a settlement offer based on the fact i do have a pre existing condition that needs further treatment for the rest of my life based on a accident i had back in the year of  XXXX . No one contacted me by mail or by phone regarding this account. I did my part by contacting them and trying to negotiate this matter so it was affordable and paid in full.
Consumer complaint received 2017-05-28
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. (GA)

I disputed through all  XXXX  credit bureau stating i never had aacount with this company 's, they kept saying the account was verified. I sent a certified letter requesting validation of the debt with a copy of the application with my signature, I have not received anything. On  XXXX / XXXX / 17 , my credit monitoring sent an alert. from  XXXX .   XXXX   XXXX  t had updated the account from Charge off account in high credit is original charge-off amount to charge off account, unsecured, Amount in high credit is original charge-off amount. They refuse to remove this account from my credit report knowingly I never had an account with them and they have no proof to valid the account either that has my signature.
Consumer complaint received 2017-05-28
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)

I disputed through all  XXXX  credit bureau stating i never had aacount with this company 's, they kept saying the account was verified. I sent a certified letter requesting validation of the debt with a copy of the application with my signature, I have not received anything. On   X/XX/17 , m y credit monitoring sent an alert. from equifax.   XXXX   XXXX   had updated the account from Charge off account in high credit is original charge-off amount to charge off account, unsecured,  Amount  in high credit is original charge-off amount. They refuse to remove this account from my credit report knowingly I never had an account with them and they have no proof to valid the account either that has my signature.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

15 USC 1681 ( a ) - You are in violation of my right to privacy and information I want to be private that's posted on my consumer report is a violation infringed upon my right of privacy.
Consumer complaint received 2020-04-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (NC)

On or about XX/XX/2020 my husband and I applied for a personal loan with Lending Club, and we were approved. The next day, we decided we didn't want the Lending Club loan because we got a much better rate with a different company. I notified Lending Club on the phone and via email that I didn't want the loan and to cancel it. Well, they went ahead and deposited the loan proceeds into my checking account anyway, and then they withdrew the proceeds on or about XX/XX/2020. Lending Club confirmed via email that they were cancelling the loan and that it would take a " few days. '' In the meantime, Lending Club proceeded to harass me with phone calls and letters regarding making a payment on this loan, and they reported the loan account to the credit bureaus for my husband and me, even though we had cancelled the loan. I have made multiple phone calls to the company but they are not fixing this problem, and it just gets worse each day.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NJ)

I have attempted to make payment arrangements on many times and I was always put on a forebearance which has made repayment very long and costly. I never was offered other suggestions or repayment options. I was a single mother trying to assist my son with college and took out a XXXX XXXX Parent Plus loan the first in XXXX/XXXX/XXXX in the amoutn of {$15000.00} at rate of 3.45. I took a {$9000.00} loan at rate of 8.50 on XXXX/XXXX/XXXX and {$4500.00} at rate of 8.50 on XXXX/XXXX/XXXX. I was grateful each year my son received academic scholarships and I took less.The XXXX XXXX loan was eventually taken over by Navient. The current balance with interest is {$31000.00}. I called them recently when they increased the monthly payment to {$700.00} which I could not afford. Throughout the years I continued to make payments but whenever I called to get assistance or suggestions with payment arrangements I was always put in forebearance. It seems like this loan will never go away. I work full time as an RN and I pay a mortgage payment as well as other household expenses as head of my household/single mother. I feel grateful my credit rating has not been jeopordized in any way due to the outstanding balance on Parent Plus Navient loan. I have called XXXX XXXX currently Navient many times since XXXX always in an attempt for payment arrangements or to discuss the loan. I feel that Navient has steered me a struggling borrower and single mother of XXXX sons toward paying more than I should have on these XXXX Navient Loans. I believe that Navient also obscured information needed to assist me in maintaining and being able to afford lower payments. Navient harmed my credit since I was declined on two attempts to refinance my high mortgage rate in obtaining a lower interest when mortgage rates dropped which would have saved me XXXX of dollars in mortgage interest and given me a more affordable mortgage payment. I feel XXXX a financially vulnerable borrow, single parent of XXXX college aged sons these practices prevented med from securing some or all of the benefits of the plans that were intended to ease the burden of unaffordable student debt. Navient also misreported information to consumer reporting agencies which is the cause of my mortgage refinance to be declined on XXXX separate attempts.