davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC (NJ)

Yesterday I visited XXXX to view a statement for my loans and make a payment. While on the site I learned that my loan had been sent to a collection agency for payment. Today, I attempted to contact this agency at XXXX but placed on hold and offered the opportunity to receive a call back. At XXXX, I received a call back from an employee by the name of XXXX . I gave him my name and explained my situation. He mentioned that it was no longer in his system and unfortunately sent to collections. He offered to provide me with the company 's name and number. I informed him that I wanted to speak with another customer service rep ( likely his manager/supervisor ) who could explain to me why my loan was sent to collections without any previous notice or communication. He was persistent in mentioning that " Unfortunately it is out of my hands ... I can provide you the credit agency 's phone number ''. I went through several minutes of asking to speak with someone else, asking for clarity, asking who he reports to, and severe frustration while only receiving the same response. We reached a point where he mentioned he would only offer the number one final time before disconnecting. I actually chose to disconnect from him. I attempted to call the number back 2 additional times at which point he answered again. I asked him again if he was joking and if there was anyone else working to which he replied no given the hours of the day. 

I am intensely frustrated with my loan being sent without notification or additional communication. I am frustrated by a customer service rep who would not provide any additional point person I could ask for clarity on. I am extremely dissatisfied with the customer service.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

CFPB in status of my complaint states, Closed, Company Responded. 
However, Wells Fargo did Not respond to my inquiries and responded with False Statements. 
I am requesting to re-open my complaint due to the following : Wells Fargo received XXXX subpoenas for statements on each of my accounts : XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX. Wells Fargo DID NOT contact me or supply me with any " direction on how to object '' of the release of my banking information as they stated in their response. THIS IS A FALSE STATEMENT. 
Wells Fargo sent out my banking information in XXXX 2023, then afterwards overnighted XXXX XXXX envelopes in XXXX 2023 to the incorrect address informing me that they released my banking information and enclosed the subpoenas. 
They did not respond to my inquiry of who the subpoena named as the defendant, XXXX XXXX and XXXX, XXXX. I do not know who that company is, nor do I have anything to do with them. The subpoena is fraudulent. 
Wells Fargo VIOLATED MY RIGHTS as a consumer. They DID NOT CONDUCT THEIR STATUTORY DUTY TO PROTECT MY PRIVACY, INTEGRITY OF MY BANKING INFORMATION. 
I am requesting this case be re-opened and Wells Fargo be investigated for the illegal distribution of my banking information be investigated as their fraudulent, false statements that they provided me with direction to object to the release of my banking information. Wells Fargo has put me in great harm, and I have suffered damages. 
In a response email and mailed letters, Wells Fargo did not take any responsibility or liability for their Criminal Actions. 
Please advise your discoveries of investigation into this matter. 
Thank you. 
XXXX XXXX
Consumer complaint received 2024-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (TX)

I requested the following : Please cite me the Federal Law ( s ) that you are required to adhere to regarding my Texas Wells Fargo Mortgage Loan. 

I did not receive this information.

Again, I would like to request that Wells Fargo cite me the Federal Law ( s ) that Wells Fargo is required to adhere to regarding my Texas Wells Fargo Mortgage Loan.
Consumer complaint received 2024-03-27
Product: Credit reporting 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. (CA)

XXXX, XXXX, and Equifax continue to report incorrect information on my consumer report that is not correct. There are several inquiries on my report that I did not authorize and should be immediately deleted. 

XXXX XXXX XXXX Line of Credit - Bank XX/XX/XXXX XXXXXXXX DEPT OF ED  Miscellaneous Government XX/XX/XXXX XXXX DEPT OF ED Miscellaneous Government XX/XX/XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-03
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FirstPoint Collection Resources (NC)

Company: First Point Collection resourcesOriginal creditor: XXXX XXXX XXXX XXXXEveryday I receive 2-3 calls about "debt owed". I have nicely asked them to stop calling and the calls have not stopped.The calls started in XX/XX/2016an continue until present. I never authorized XXXX XXXX to release my account to a 3rd party which is violation of hippa. REMOVE MY ACCOUNTS FROM YOUR SYSTEM.The following amounts are being requested: XXXX, XXXX, XXXX. REMOVE THESE ACCOUNTS I NEVER AUTHORIZED FOR A THIRD PARTY TO HAVE MY ACCOUNT INFORMATION!
Consumer complaint received 2017-10-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Protection Association, L.P. (GA)

XXXX XXXX XXXX placed an account from XXXX on all three of my credit reports. I have no knowledge of this debt and they failed to send me anything in the mail to give me a chance to dispute or validate the debt. The last 4 of my social are XXXX  to help locate me in the system
Consumer complaint received 2017-10-03
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: EQUIFAX, INC. (CT)

My XXXX Credit Report shows that I had a XXXX Card, XXXX XXXX Card with a balance. Those cards are not mine and they refuse to remove them.  My XXXX Credit Report also shows a Bankruptcy and a XXXX  Card that is not mine.  They refuse to remove these items.  Please contact XXXX to remove these items.
Consumer complaint received 2024-03-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: National Default Servicing Corporation (CA)

This is the XXXX time I am filing the same complaint in the hope that NDSC will be truthful for a change and provide a proper response to my complaint under penalty of perjury as requested so we can close this complaint out.

NDSC claims to be foreclosing on behalf of XXXX XXXX However, based on the evidence presented by XXXX XXXX, and information available from SEC, the note was securitized. XXXX sold the note and it was securitized within days after the closing occurred on XX/XX/2005. Once XXXX sold the note, XXXX can no longer be the holder in due course and therefore, have no right to foreclose. Furthermore, there is no assignment of deed of trust to the new buyer recorded after the sale occurred. According to the law, this has to be done within 120 days after which it becomes an unsecured debt and it can not be re-attached to the Deed of Trust on record. Therefore, NO BODY can any longer foreclose on that Deed of Trust. Period! Hence, the claim by NDSC that they are foreclosing on behalf of XXXX is an impossibility and false and they have no standing whatsoever. A rebuttal is demanded from NDSC in order to continue with the foreclosure action. Here are the details of the Security. [ XXXX XXXX Mortgage Pass Through Certificates Series XXXX Portal - XXXX  Investor Online Portal Closing Date XX/XX/200XXXX XXXX - XXXX XXXX - XXXX Seller XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX Delaware corporation XXXX XXXX XXXX XXXX XXXX ] . Numerous requests have been made to NDSC ( Trustee ), XXXX ( Seller of the note ) and XXXX  XXXX ( Servicer ) to produce evidence under penalty of perjury that proves XXXX XXXX. is in fact the current holder in due course of the note and therefore, XXXX has the right to foreclose under the Deed of Trust securing the note. If this is the truth, then NDSC should not have problem providing a response under penalty of perjury. Failure do to so confirms my statement is true and NDSC they have no standing to conduct any foreclosure and by doing so they are acting illegally.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (NY)

The three business bureau did not investigate anything. I also showed them proof that it was not me and they still didnt remove The inquiries after I told them it was not me. I asked them nicely to investigate. I wrote them letters and they did nothing Under the stipulations of 15 US Code 1681 ( 6 ) ( B ) ( iii ), it is mandated that consumer reporting agencies ( namely XXXX, XXXX, and XXXX ) are required to furnish a written notification to a consumer ( in this case, myself ), upon request, detailing the methodology employed to verify the accuracy and completeness of the information on record. 
This includes providing the name and address of any information provider contacted during the verification process, along with their contact number. Over 30 days ago, I solicited documentation to substantiate this account, yet I have received no such documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CT)

In XX/XX/XXXX I enrolled in a XXXX Chase credit card offer for {$300.00} statement credit and XXXX bonus miles after qualifying purchases. On XX/XX/XXXX my XXXX account was credited XXXX miles. I knew this was an issue because after qualifying purchases the amount should have come together. I called Chase and XXXX and was assured that the offer can come in pieces. I did also confirm with the Chase XXXX that I had enrolled in the correct offer, just had to wait until 60 days after the qualifying purchase for the full amount to credit. A research request was also submitted for which I received a letter XXXX weeks later stating that my offer could not be switched when of course I did not want it switched, just to get the bonus miles I had enrolled for. I have now called XXXX and Chase a total of XXXX times, each pointing the finger at the other saying it is not their responsibility. I was able to confirm that Chase is responsible for the sign on offers. I escalated a final time to a Chase Supervisor ( XXXX and XXXX XXXX who stated although they have a recorded line acknowledging the offer I signed up for, that I must have taken the wrong 'path ' when signing up for it even though I very clearly have the brochure, picture attached and certainly wouldn't make up a 'path ' for a reduced offer.
Consumer complaint received 2016-05-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Blakely-Witt and Associates, Inc. (MD)

I have asked Blakely Witt & Assoc. to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

To whom it may concern, I am writing to file a formal complaint regarding the unauthorized freeze of my personal checking account that occurred on XX/XX/year>. In this account, I have {$17000.00} dollars in my account and I am deeply concerned about the actions taken by the institution. I believe this financial institution is in violation of federal and state laws governing the protection of personal funds. 

On the aforementioned date, without any prior notification or communication, First Citizens Bank froze my personal account ( s ). This action was taken without my consent or knowledge, and it has caused significant distress and inconvenience to me.

I want to bring to your attention that under federal and state law, certain funds are exempt from garnishment. This means that regardless of any legal proceedings or creditors ' claims, specific funds are protected and can not be seized. Examples of such exempt funds include Social Security benefits, XXXX XXXX XXXX, XXXX benefits, and certain XXXX pension benefits. Additionally, there may be other exemptions under state or federal law. 

Given these legal protections, I strongly believe that the freeze imposed on my personal account ( s ) is unjustified and unlawful. I have not been convicted of any crime or found liable for any debts that would warrant such action by the bank. 



Thank you for your attention to this urgent issue. 

Sincerely
Consumer complaint received 2024-03-06
Product: Prepaid card — Government benefit card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: AMERICAN EXPRESS COMPANY (NC)

XX/XX/year> initiated external deposit from XXXX XXXX XXXX. From serve Amex to XXXX Trial deposits sent supposedly XX/XX/year> Called XXXX  ( no trial deposits received ) Called serve serve said they dont do external transfers ( the reason I got the card is I was told I could ) ( Calls on recording ) Serve says the only way I can transfer is from serve to serve or pull out money from atm or use what is called XXXX XXXX ( all which cost a fee ) They lied so people would get their taxes on their card knowing it would cost a pretty XXXX to get them off the served card Their supervisor hung up every chance they got
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I had an accounting with Citizen 's, account ending in XXXX. The account was charged off in XXXX. I paid the account in full on XX/XX/XXXX. I tried to open another bank account with a different bank, they stated they could not because I had a delinquent account with Citizens. I called the recovery department and requested a letter showing the account had been paid in full as well as they report to XXXX and the credit bureaus that the account was a {$0.00} balance and not delinquent. 

I received the letter on XX/XX/XXXX, but it is still not being reported correctly. I have called multiple times to request this be taken care of. The account is still showing that I owe a balance and that it is delinquent.
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (PA)

I made A payment to Barclays on XX/XX/2022. It posted in the amount of XXXX for business travel on XX/XX/2022. This morning I wake up and see in my checking account a pending charge for another XXXX to Barclays that mirrors my original posted XXXX. I call My checking account bank XXXX XXXXXXXX XXXX and they confirm it is Barclays pulling a duplicate payment. I did not put another payment in. I call Barclays and they basically say yes we know. Meanwhile they have basically locked my checking account down because its showing a negative balance with the pending charge. Nobody from Barclays seems to know anything other than theyre aware and its happening to many customers. Zero help no why or when it will be fixed.
Consumer complaint received 2020-10-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (TN)

Received property foreclosure letter from attorney for my property. Sale Date is set for XXXX, 2020. State Of Tennessee law states I'm to receive notice 30 before the foreclosure sale date. Received letter 1st week of XX/XX/2020 that is not a 30 day notice. I requested mortgage forbearance and mortgage assistance from Fay Servicing under The Cares Act because I have been affected by covid-19. I'm XXXX my husband passed and my mortgage company refuses to assist me. Spoke with Vice President XXXX he said I was mailed a modification a few months ago, I never received those documents from Fay Servicing. I don't want to lose my home.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (IL)

I submitted a complaint to LVNV Funding LLC on XX/XX/year> via the XXXX  regarding collection accounts that are being reported on my consumer file. I specifically stated that I am liable for this debit with XXXX XXXX XXXX and I do not have a contract with LVNV Funding LLC. 

On XX/XX/year>, I stated the following in to a response received from XXXX from their compliance department : I am requesting for Resurgent/LVNV Funding LLC to provide me with a copy of a purchase agreement from the alleged original creditor. Moreover, please be reminded that that I did not have original sales contract with Resurgent/LVNV Funding LLC therefore I did not authorize them to retrieve and share my personal identifying information with any third party ( credit bureau ) You can not locate someones SSN and use it to your liking, without receiving sole express permission, that is a form of identity theft. 

Rather than providing the requested information, XXXX on XX/XX/year> responded the following : From our review, we believe most of their concerns were already addressed in our response to their previous inquiry received XX/XX/year>. We are enclosing a copy of our previous response for review. 

XXXX willfully ignored my request for a copy the purchase agreement/assignment of debt and instead considered the matter as closed.
Consumer complaint received 2015-08-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

This credit card HSBC BANK NEVADAWith the original account # XXXX in the amount of or close to {$15000.00} has more than exceeded the statue of limitations being that their has been no correspondences, payments and or dialogue in more than ( 6 ) years. I would like the credit agencies below to contact XXXX Credit Burea and or other credit agencies to remove this negative mark from my credit report and or issue out a letter to me on my behalf that THE EXPIRATION OF THE CALIFORNIA STATUE OF LIMITATIONS BECAUSE OF MORE THAN ( 6 ) YEARS, LIMITS THEIR ABILITY TO PURSUE LEGAL REMEDIES. 

THE CURRENT COLLECTION AGENCY PERTAINING TO THIS HSBC BANK NEVADA CREDIT CARD ACCOUNT # XXXX IN THE AMOUNT OR CLOSE TO $ XXXX XXXX ( their account # XXXXAddress : XXXX XXXX XXXX , XXXX XXXX XXXX. XXXX XXXX, Ca. XXXXPhone : ( XXXX ) XXXX
Consumer complaint received 2016-11-03
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MI)

Hello I would like to file a complaint against a company by the name of the big picture loans. I took out a {$200.00} loan and they told me my finance charges would be {$100.00} a total of {$300.00} to pay back. I took out the loan XX/XX/XXXX and started making my monthly payments for XX/XX/XXXX XX/XX/XXXX and XXXX for {$100.00} a month. They are telling me my next payment date will be for XX/XX/XXXX, and that I only pay the principal charges, they are saying that my total loan balance is {$1200.00}.
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (PA)

I am unaware of this debt, I did not have the right to dispute this debt which is a violation according to 12 CFFR 1006.34 ( c ) ( 4 ) ( i ). You have not provided me with validation information but placed a collections account on my credit report. I did not receive proper notification. If in fact you believe you gave me proper notification please provide the certified mail with the signature stating that I received this.
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

I made a payment on my Citi credit card on XX/XX/XXXX, I also made a payments on numerous other accounts at other banks, all payments were received by other banks and debited on my checking account, except for Citi which they claim was returned by XXXX?? I had over {$8000.00} in my checking account on XXXX, this payment to Citi was {$50.00}. I called Citi today XXXX and they would not take any action to credit me with this {$30.00} returned check fee. I also made another payment of {$50.00} XXXX to make up for this " returned check '' and It cleared XXXX today. I want this erroneous fee credited to my credit card. Thank you for your assistance.
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (OH)

I have been a card holding customer of American Express for several years. American Express sent me a notice that if I do not pay almost {$1000.00} in the next week they will reduce my credit limit despite the fact that I have been a good customer, made my payments in good faith, and abides by the cardholder agreement, however American Express says they are " currently conducting a review of my account ... based on what we know about your payment history, including payments made in relation to your current debt with American Express, as well as your credit scores and other credit bureau information, your account is being reviewed for a possible limit reduction. '' I also have a business account which I just made a payment and placed the money to cover said payment in the wrong account, however it is my personal account that American Express is reviewing for a reduction and not my business account. Those funds were corrected and placed in the correct account so that the withdrawal can go forward and American Express already indicated they will redraw that payment. 

I do not see anything in the cardholder agreement that says I am responsible for making large lump sum payments periodically in order to keep my credit limit.