davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$9700.00} Unknown Judgment 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Dismissed BankruptcyChapterXXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$10000.00} Unknown Judgment 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX 13. XXXX XXXX XXXX 14. XXXX XXXX XXXX 15. INQUIRIES : Name of Company Date of Inquiry Type of Business XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Banking I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!
Consumer complaint received 2015-07-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kingston Financial, LLC (MD)

I received a collection document from XXXX XXXX XXXX regarding a deliquent debt with XXXX XXXX XXXX. I currently hold good standing accounts with XXXX XXXX XXXX. XXXX XXXX XXXX has confirmed with their debt recovery unit that I have no delinquent debt. The account which is listed on the document has been confirmed with XXXX XXXX XXXX as not being any that I 've ever held with them. 

I 've requested proof of the original debt from the personnel at XXXX XXXX XXXX and was told it would take 30 - 45 days. I 've been threatened with action being taken in 2 weeks. The current owner of the debt is Pyramid Aquisitions. According to the information I 've received from XXXX, the account is as old as 2006. 

This sounds fraudulent or like a phishing scam. Please investigate and let me know what action I can take. 

Thank you!
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the Fair Credit Reporting act XXXX TRANSUNION reporting XXXX  Account # XXXX Bal Date XX/XX/22 is reporting incorrectly. 30 day late reporting is incorrectly appearing on the report and is hindering me from obtaining new credit. 

There were technical issues beyond my control dealing with their website which had numerous errors in order for me to gain access to it in a timely manner.
Consumer complaint received 2017-04-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: REGIONS FINANCIAL CORPORATION (OH)

Regions Bank granted a {$500.00} line of credit loan to me in which I defaulted on. In XXXX XXXX, {$79.00} was withdrawn from my checking account without my authorization to be applied to the balance owed. XXXX XXXX, XXXX, {$150.00} was taken from the checking account again without my authorization and the line of credit was showing active but I was not allowed to withdraw any money from it. This amount caused an overdraft in the account and the my car insurance premium was cancelled for non payment due to the unauthorized amount coming out of the account, attempts to reach the debt collector was futile XXXX XXXX. XXXX {$130.00} was taken out of the account without authorization, XXXX {$100.00}, was taken out without authorization, and XXXX XXXX, XXXX XXXX was taken out of the account without authorization. I called the debt collector XXXX XXXX, XXXX and spoke with an agent to question why I have paid {$670.00} on a debt of {$500.00} and can not see the activity history to explain to me why I am paying more than what 's owed if the account is closed. The agent stated that technically the account is not closed and to use a different word to describe the status of the account. His explanation of the status is that it is still active, I just do n't have access to withdraw any funds from it and it still shows active with a {$500.00} credit limit with no available balance and I still owe {$220.00}. I asked him for what, he stated for late fees and interest. I asked him why I was prevented from seeing the payment activity history online when viewing the account, I had to use the checking account statements to see the amounts taken out of the account but no statements from the debt collector to show the payment history neither in writing nor online. When I accessed the online checking account and clicked on the account for the line of credit, it only shows the amount owed, does not show an activity history. The agent advised me to pay the {$220.00} to clear the account and I stated to him that he has not sufficiently explained to me why I still owe anything as they have not sent me a statement. There has been no statement to show how they 've determined that I owed XXXX, that amount never showed on the online line of credit account, just the {$500.00} credit limit and balances once the debt collector withdrew the money out of the account without my authorization.
Consumer complaint received 2017-03-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (CA)

I have a Citibank account. I wrote a check out of my Citibank account for {$23.00} to deposit into my XXXX account. I had funds in my account at Citibank to cover the check. However Citibank returned my check for {$23.00} because they said I did not activate my checks. Citibank did not send me any disclosures at all. No disclosures for the account, and no disclosures saying that I have to activate my checks. I printed the full transcript of the chat I had with the Citibank representative. Because of this issue it caused me to start a bad reputation at XXXX. And I also got charged a fee for the returned check. Clearly Citibank violated regulations for not disclosing the information to me. I never heard of activating checks before. I have heard of activating a Debit Card and/or a Credit Card, but not checks.
Consumer complaint received 2017-04-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (IN)

I can not keep up with the payments. When I first graduated I was unable to pay because I was looking for a job. Navient offered me deferment and forbearance options I took them. Now I am unable to pay because the interest was so high that my payments are {$1300.00} a month! There is no way that I can pay {$1300.00} a month, plus my rent, utilities, car payment ... on a XXXX salary. What started as a XXXX loan amount has mushroomed into a XXXX loan.
Consumer complaint received 2022-08-04
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I went out of town from Illinois to Georgia. I only took one card, my Capital 1 credit card. I ended up going to XXXXXXXX XXXX XXXX in GA, where I was able to pay for my food, but when I swiped to pay for the games, my card was declined. I opened the app to see that my card was restricted. This was Friday, XX/XX/XXXX. I was told that a representative would reach out in 10 business days. They left me stranded in GA with no financial way to get around, for no reason. A representative never reached out. It is now XX/XX/XXXX, and my account is still restricted. I took out a XXXX dollar cash advance, and I feel like they have restricted my account so that the fees build up.
Consumer complaint received 2015-06-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Springer Collections Inc. (AZ)

Account Name : SPRINGER COLLECTIONAccount Number : XXXXPast Due : $ XXXXFor one I requested a validation of debt and received no response in the appropriate time allowed. As a result I disputed the transaction but springer contested the removal. I do not owe XXXX or springer any money. They forced a charge on my credit card, I disputed and it was proven that this was an erroneous charge.
Consumer complaint received 2017-04-09
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (MI)

Has CITI disable the FICO Score for the the " Citi ThankYou Preferred '' Credit Card? 
Last Update was XX/XX/2017 From CITI Bank, " Thank you for connecting with us here on XXXX. I understand your concern and would be glad to help. I am sorry about the frustration regarding your FICO score.The FICO score is updated once every 45-60 days for the month prior. If your last update was on XX/XX/2017, then you should see your XX/XX/2017 FICO score around XX/XX/2017. Please let us know if this helps. 

Thank you, XXXX XXXX. '' Really? 
Why Supply a FICO Score that is 45 DAYS OLD. XXXX Come one Folks is it really that hard to update the customers information the same day that you get it? 
Granted it is one of the more Useless FICO Credit Scores, but it should be supplied to the Customer when you get it, not days, weeks or a Month later.
Consumer complaint received 2017-04-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

Ref : Ditech Financial LLC - Acct XXXX We received billing statements ( Attached ) for XXXX supplemental taxes from The XXXX County Tax Assessor Collector and XXXX County Municipal Utility District in XXXX, 1st Time to Receive these Statements, for our property at XXXX, TX XXXX. After receiving these billing statements, we paid these supplemental taxes promptly. Unfortunately, Ditech Financial ( Ditech ), our mortgage company, also paid these supplemental taxes in XXXX without any communication or contact with us. Now there are overpayments on our accounts with these two taxing authorities. We do not have an escrow agreement or account with Ditech. All of our property tax payments, required insurance coverage/payments, and mortgage payments have been made on time since we purchased this property. 

After contacting Ditech on XXXX, we were informed that we would need to reimburse these overpayments to Ditech and they were forcing us to maintain an escrow account with Ditech. From our own research, we have determined that one of the overpayments to one of the taxing authorities will be reimbursed to us and therefore we reimbursed Ditech for one of its overpayments for these XXXX supplemental taxes. However, the other taxing authority has stated that Ditech will have to apply for a refund of its XXXX supplemental tax overpayment ( Attached Documentation ). We have submitted the refund payment we received to Ditech along with a letter, attached, explaining the payment and the need for Ditech to apply for the refund of Ditech 's overpayment. In addition, we have explained in the letter that all property tax payments and insurance coverage/payments will be maintained by us with no escrow account. 

Ditech is forcing us to pay for an unauthorized overpayment they made to a taxing authority and forcing us to pay into an escrow account that we have not agreed. Can you help us stop Ditech from forcing us to make these unauthorized tax and escrow payments?
Consumer complaint received 2020-04-21
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: Experian Information Solutions Inc. (GA)

I sent a certified letter originally on XX/XX/2020 challenging the accuracy of a Chapter XXXX reporting on my credit report to Experian. Experian came back as verified. I sent another letter on XX/XX/2020 asking for the Method of Verification. I did not receive the Method of Verification it has been over 15 days and I still have not received the Method of Verification. They reinvestigated and " verified '' the reporting on XX/XX/XXXX but still no Method of Verification. Per my rights, under FCRA 611 ( a ) ( 6 ) B ( iii ) I have the right to that information and it has not been provided. Therefore because they are in violation of my rights I am requesting a deletion.
Consumer complaint received 2017-04-06
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: U.S. BANCORP (IL)

I am furious of the way US Bank has handle my XXXX of credit. I was asked to provide prove from US Bank offering a settlement. I provided a letter stating US Bank was willing to settle with me if I pay them {$19000.00}. After I when to a US Bank branch and deposit the {$19000.00} US Bank is denying me my settlement documents. Agent XXXX disclose to me there is no record of the document I presented. This is a huge problem because I deposit US Bank the amount they were requesting to settle. This is prove US Bank is practicing fraudulent and deceptive practices in order to deny me any assistance. Please help me US Bank does not wan to help me. I have explain numerous times I do not have any funds available, the money I gave US Bank was from a severance packet my husband receive from a work injury. Since then he has not work I am the only source of income.
Consumer complaint received 2017-04-10
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (FL)

I was notified by Discovercard on XX/XX/2017 that due to a change in my credit profile, they were lowering the available credit. Nothing has changed in the last year, I have never made a late payment to Discover or any of my other creditors, my debt ratios have been the same, I have not applied for any bank loans, my last bank loan was exactly 1 year ago. What did change was I accepted a balance transfer with Discover for a 0 % promotional interest rate offer good for 1 year. Now that Discover has lowered my available credit, I am forced to start paying back this balance transfer early. This bank changed the terms, even though I have a near 3 year relationship with them, with perfect credit, no missed payments ever! Since I already paid the balance transfer fee, I am out those funds, without the full value of my 0 % APR!
Consumer complaint received 2017-04-04
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (WI)

I had a {$25.00} minimum payment due on my Walmart Card and paid {$30.00} online on XXXX XXXX, 2017. I had no idea that Synchrony Bank would hold the payment until XXXX/XXXX/17. When they applied the payment, it overdrew my bank account. Knowing that I already paid it, I contacted the bank who then did not authorize what I thought was a double payment. Subsequently, I contacted Synchrony who accused me of 'scheduling ', not paying on the account. They assessed me with late fees, etc. on XXXX/XXXX/17 I paid {$30.00} ( for XXXX 2017 ) and then received a notice from Synchrony that I owed them another {$41.00} for XXXX. I called them and even though they agreed to adjust the late fee, they refused to adjust the minimum payment due by the XXXX of XXXX. In addition to that the customer service rep hung up on me when I was in mid-sentence. I had to call back and go through the automated process all over again. In speaking with a manager, I was told that absolutely nothing could be done to adjust the {$41.00} due. Since my billing cycle closes on the XXXX of each month, my XXXX payment of {$30.00} on the XXXX should count.
Consumer complaint received 2022-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

Requested a refund for payments made during forbearance period in order to prepare for the upcoming loan forgiveness program. I fully understand that they are probably inundated with requests but it's been very hard to plan with the very vague timeline that they provided ; I'm hoping that submitting a complaint will help to expedite the process.
Consumer complaint received 2020-04-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was a college student 4 years ago and I had a new bank account and my card was stolen and transactions was made on a acct with XXXX dollar balance the bank was requesting me to pay nsf charge for something I wasnt responsible for.
Consumer complaint received 2017-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (DC)

My student loan provider, Fedloan Servicing, notified me via email on XX/XX/XXXX2017 that I had a message waiting for me in my inbox. I logged on to see a message regarding my student loan plan ( REPAYE ) had changed effective immediately. My new rate of {$1800.00} a month, from a previous monthly rate of {$280.00} would be directly deposited from account the following month. 

There was never any correspondence or notification from the provider that I would need to re-submit required materials to remain on the REPAYE plan. I am now at a loss as I do not know how I will ever be able to afford such a steep increase in a monthly payment.
Consumer complaint received 2017-03-30
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF THE WEST (CA)

On XX/XX/2017 I arrived to Bank of The West. I approached there ATM to deposit the amount of {$100.00}. I unknowingly used my prepaid card unaware i was n't able to use the card at the Bank of The West ATM. After depositing my money I received a receipt stating at XXXX " We encountered a problem returning your cash, please contact your financial institutions '' after trying to withdraw my money back, I got error reading. I contacted the Branch Manager at the bank and they stated my Prepaid card company ( XXXX ) would have to make a claim stating that i lost my money at Bank of The West ATM. but since there was no transaction of the money depositing into my card they where unable to file this claim. After spending hours on the phone with the branch manager again she said that she contacted the ATM Branch and they are now stating I was never there at the ATM and they are not Over the amount of {$100.00} But I have proof of I was there. I am attaching them to this Claim.
Consumer complaint received 2017-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (MN)

I contacted Mortgage Masters, and started working with XXXX XXXX around the beginning of XX/XX/XXXX, I have text messages and emails confirming that i sent her my pay stubs, XXXX forms XX/XX/XXXX and XX/XX/XXXX, hud forms from purchase of my house, I sent her all the forms she needed, and had employment and credit score checked by XX/XX/XXXX - on XX/XX/XXXX I signed the disclosures and was told everything was approved, the appraiser came on XX/XX/XXXX and completed the paint scraping ( needed to sign off on appraisal ) on XX/XX/XXXX and closing set for XX/XX/XXXX, the closing was then changed to XX/XX/XXXX, as XXXX XXXX lost my XXXX, pay stubs, and mortgage/bank statements, I faxed these items again, and the closing was then set for! XX/XX/XXXX, I found out that XXXX XXXX XXXX no longer with Mortgage Masters and XXXX XXXX would take over, again they were claiming they need XXXX and other financal documents again - I told them I had faxed all the info repetedly and was not going to fax again, I then shared my concerns for identity theft with all these documents being lost with XXXX and her boss XXXX XXXX , they told me not to worry, that there computers are safe, and they have no worries that XXXX XXXX held on to my personal information. 
so again I was scheduled to close XX/XX/XXXX XXXX XXXX told me all they needed to close was the appraiser signing off that paint had been scraped and cleaned up, the appraiser came out and signed off on the appraisal XX/XX/XXXX. 
every time I speak to the mortgage company they keep saying they are still waiting on employment verification or need pay stubs before they can close. 
so I have been trying to refinance my home for 4 months and I keep getting the run around with lost info, and employment verifications, as I have been on XXXX for a XXXX, the mortgage company keeps bringing up things about my XXXX and making the hold up seem like its related to my XXXX leave, and I dont see what my XXXX has any thing to do with my refinance, if the mortgage company was professional and wasnt loosing my info repeatedly, my mortgage refinance would have been closed and completed, before any of my XXXX started - but the company keeps stringing me along and now its been 4 months that I have been working on refinancing my home
Consumer complaint received 2021-11-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TN)

I was sent {$XXXX} from my cousin on XXXX XXXX and was told by XXXX different Venmo agents it would be available XX/XX/XXXX and it was not. Now my account has been deactivated and they are holding my money without telling me what I did. Mind you this is my first time using Venmo my identity was verified as well as my bank. Now Im getting no response
Consumer complaint received 2020-04-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2017-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NC)

My complaint is in regards to a debt that is being " double reported '' on my credit file by Enhanced Recovery, account # # XXXX in the amount of {$1200.00} and also by XXXX XXXX, under account # XXXX in the amount of {$1200.00} which was sold to them by XXXX. 

I have requested " validation '' of this debt from Enhanced Recovery which I do not owe because I have never signed any contract with this company. What they continue to do is send me a bill and a letter stating that they are the owners of this debt. This company continues to report this on my credit file which I have recently disputed with all XXXX credit bureaus and with them as well. Please also see attached a letter from another debt collection agency, XXXX XXXX, in which they have ceased collection efforts and closed this same account. Therefore, Enhanced Recovery have broken the law by not validating said debt, and they still have not marked the debt as disputed on my credit report within 30 days. 

Any assistance that your organization can provide would be highly appreciated. 

Regards, XXXX XXXX