davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

I have a federal and a private loan originally with XXXX and now currently with navient. Both loans have the same account number however come in different payment books. At one time I was even sending the payment to the same address so it made sense to send payment with my pay stub and two separate checks but in the same envelope. The payments were always made out for the Amount that was owed on the payment stub however navient would often times apply. Both payments to one loan whichever was n't due as soon and then when the other loan would default they would charge a late fee and start the harassing phone calls that would n't end. I have discussed this with them many times and they always say they have it taken care of. Also my repayment plan that I was on and was affordable was never explained to me to just expire one day and triple my payments with no other options and was givien to me under false pretenses saying that it would bring me up to date and current and that no interest was being charged. When asked what my new bill would be for each loan they could n't even tell me what I owed each Month but obviously still expected me to pay it. They are an awful crooked company and I want justice.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK (TN)

As the designated Power of Attorney and the Pay on Death beneficiary while my partner was ill and had been declared mentally incompetent to handle his affairs I moved those funds to the business account to protect them because his driver 's license, debit card with the PIN had been stolen while he was in the hospital. A few days later the bank placed a hold on the business account. Several more weeks passed and the money was removed with no indication as to where it had been deposited. Later, he passed away and the attorney for the adult children upon instructions from the bank refused to honor the POD and told their attorney that I still had the {$60000.00} at which time I was hassled over and over again for it. Over and over I tried to explain that the bank had removed the money from the business account and that it was not in my possession. To this day I do not know where the money went because it became evident that the children did not have it and neither did I. Over and over the bank has refused to answer the whereabouts of the money and insist that their Customer Deposit Agreement preempts all. And, that deposit agreement was used to quash a subpoena issued for production of those bank records at which time the bank 's attorney opened an arbitration case in which their attorney stated the statue of limitation had expired and the case was closed. I am asking this agency to review their deposit agreement as I believe it is an unconscionable contract and has severely harmed both me and the business.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-04-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

I made an appointment at a Citi branch ( XXXX XXXX & XXXX XXXX XXXX XXXX  ) a couple of weeks ago ( approx XXXX XXXX ). I mentioned in the notes it would concern a transfer from TreasuryDirect.gov, and the Form FS 5511. At the meeting, we opened a savings account, and subsequently I opened a brokerage. As far as I can tell from XXXX, either account would be fine to receive securities or fair value of them. Although we were unable to effect the transfer at the meeting, I got the impression from their folks that it would be possible online or subsequent. No one at that branch had a Medallion stamp, which the Form FS 5511 requires. 

With help of the financial advisor there, I set up an appointment with XXXX at a different branch ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) who may be the branch manager there and has the medallion stamp. This appointment was for noon XXXX XXXX. I did not get her card nor last name. XXXX was unprepared, rude, and dishonest. She requested " statements '' from my individual XXXX account ; I showed her on the XXXX site, it does not produce statements for individual accounts. ( She lied and said she had processed statements from an individual 's XXXX account prior. ) I provided PDFs of every page from my account, with all my securities ' purchase dates and par amounts and everything which the Form FS 5511 requires. According to XXXX 's website, these are the only thing available and take the place of statements. XXXX wasted my time, dismissed these and refused to proceed.
Consumer complaint received 2024-04-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (CA)

In the year XXXX I rented an Apartment unit from a man named XXXX XXXX. In XXXX XXXX XXXX said they bought the place and I was on a monthly contract until XXXX of XXXX. It was a horrible leasing company. Also in XXXX of XXXX they started housing students from the University claiming to be dormitories or student housing. I was never a student. I attached email correspondence showing proof of this. 

I've disputed this with all 3 major credit bureaus. All of KIMBALL TIREY STJOHN information doesn't add up. Their records don't start until XXXX of XXXX.
Consumer complaint received 2024-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

I called on Tuesday, XX/XX/2024 about the status on my account being corrected. The Mohela representative said that my account WAS updated to show that I was on the SAVE {$0.00} plan all last year and through XXXX this year so I DID NOT owe any money last year so I could request a refund of the extra payments I made. However, the next day, XX/XX/2024 I see my account is now showing that I owe {$100.00} and it's past due. So I called on Thursday, XX/XX/2024 to ask why my account was showing this. The Mohela representative said that my account DID NOT show as the {$0.00} SAVE plan for last XXXX and XXXX and the request for refund placed my account in delinquency. And is past due by 83 days already since that payment was in XXXX. Their finance department caught the error and cancelled the refund but now it will take them 23 days for them to show it correctly on my profile. If they take the full 23 days, my account will go automatically in a forbearance and hurt my PSLF count, even though it was Mohela 's fault for providing incorrect information. I'm very frustrated with Mohela, they never provide the correct information and it takes months to correct my account for things they did wrong.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Request for Deletion of Remark from Credit Report Due to Non-Compliance I am writing in follow-up to my previous request where I asked for validation of a debt you claim I owe, specifically requesting a copy of the original contract or agreement signed by me. As of today, I have not received the requested documentation that validates your claim. 

The accounts are as follows : XXXX XXXX for {$3000.00}, XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX {$990.00} In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I requested proof of the debt and my agreement with the original creditor. The FDCPA stipulates that debt collectors must provide debt validation upon a consumer 's request. Since I have not received satisfactory validation of this debt, including the absence of a signed contract, this casts doubt on the legitimacy of your claim and your authority to collect this debt. 

Moreover, the FCRA mandates accurate reporting of credit information. Reporting a debt that can not be validated is in violation of these standards. As such, I am formally requesting the immediate deletion of this remark from my credit report with all three major credit bureaus : XXXX, XXXX, and TransUnion. 

If you fail to comply with this request and continue to report this unvalidated debt, it would be considered a violation of the FCRA, and I will take appropriate steps, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action to protect my rights. 

Please provide written confirmation of the deletion of this entry from my credit reports within XXXX  days of receipt of this letter. 

Thank you for your prompt attention to this matter. If you require any further information or have any questions, please feel free to contact me at [ Your Phone Number or Email ]. 

Sincerely,
Consumer complaint received 2020-07-02
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. (GA)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, Original Creditor, XXXX  XXXX  XXXX, XXXX, XXXX   XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX
Consumer complaint received 2024-05-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Fidelity National Financial, Inc (FL)

Please see attached documents with full details : In short we hired Fidelity National Title to help us sell our home and they tried to take all our equity and service themselves and the buyer. Instead of voiding the transaction of the sale because we did not clear marketable title with the buyer they instead called the sale complete and tried to use our funds to service what all the buyer wanted which we did not agree upon. After having to get legal involved they finally released our equity but not before having to accumulate another {$5000.00} in debt.
Consumer complaint received 2024-04-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FORD MOTOR CREDIT CO. (CA)

My wife, XXXX, died in XXXX. I sent a XXXX  certificate ( NOT a copy ) to FORD motor credit, requesting that they take her off of the title ( ALL others-mortgage, credit/debit cards, checking accounts, etc DID ) : Even though I have repeatedly sent FORD all the information they requested, the STILL have her listed as a co-owner! I will be making my final payment on my XXXX XXXX XXXX  next month and have annually called to request her removal ; this last time I was told they can not and I will have to take a copy of the death certificate and title to the CA DMV to get a clear title. WHY is ford being so obtuse?
Consumer complaint received 2015-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Pinnacle Credit Services, LLC (ME)

Called and was swearing on the phone cause I keep fighting this account where it it 's not mine and they have not sent me anything signed by me Account was from XXXX and have never had it Also is reporting missed payments Ive never made a payment and am not going to unless I get something signed so I can see who signed it also reporting the wrong date on account the paper they showed me from the account shows a different date account needs to be removed until I get a signed paper and can verify my signature
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts below : Account name : XXXX XXXX XXXX Account number : XXXX I dont have the full account number but this is the number reporting on my credit report. 

However stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-05-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

Back in XX/XX/2020, I signed up to be the co-signer for a student loan for my daughters. It so happens that the loan was processed with my name as the student instead of the co-signer. I have tried and complaint with Nelnet to fix this issue and they refuse to contact me. My calls and complaints have gone unanswered and this is affecting my ability to borrow or get credit.
Consumer complaint received 2024-05-07
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (PA)

I received a discharge order for a XXXX XXXX  bankruptcy years ago. Unfortunately, as most people are told, I was told by my lawyer at the time and by Navient, that my private XXXX XXXX Tuition Answer Loans ( 7 loans ) were not eligible to be discharged in bankruptcy. At the time, I trusted the lawyer and I simply trusted that countless representatives were telling me correct information. I am finding out the truth after many years of crippling debt. This debt has caused significant turmoil in my life. I have no savings, no assets, bad credit, sleepless nights, I am embarrassed, I have XXXXXXXX XXXX and have also XXXX XXXX  due to this outrageous debt that hangs over me. All because I was lied to by a lender who I trusted. My debt should have been discharged, but now navient still attempts to collect, my balance continues to grow due to the disgustingly high interest rate. I have had years of good faith repayment and never defaulted. 
This was a direct to consumer loan. Way over the cost of attendance. Nothing was verified with the college, I didnt require a co-signer and I surly didnt make enough money to be given these loans in the first place. They were predatory loans and I unfortunately fell victim to XXXX XXXX now known scam during XXXX while I attended XXXXXXXX XXXX  These monies never crossed the schools financial aid office. Nothing verified, was my credit even checked?? I received a paper checks for each loan, in my mailbox, from XXXX XXXX that went directly to my bank account to use on whatever I wanted. These loans did NOT go towards the cost of attendance and they also exceeded the cost of attendance since I received federal student aid that went directly to the college. These private direct to consumer loans should have been discharged when I received the order. Instead, collection has continued by Navient and I have paid since the discharge order. 

XXXX XXXX is listed on the discharge order attached. 

I also would like to mention how awful majority of the representatives were over the years. I was told things such as too bad, get another job, find someone to watch your kids for free, you should have never had kids if you cant afford to pay your student loans, you should have never went to college, youll have these loans forever unless you die, do you have a rich uncle? ..also, the very consistent harassment via phone calls all day long even up until after XXXX XXXX calls to my grandmother, aunt and friend were endless as well. 
Please take care of this. I completed the XXXX XXXXXXXX bankruptcy only due to my husband being laid off from his job. However, I completed it successfully and honestly over 5 long years. 
I deserve what is right.
Consumer complaint received 2020-07-03
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My Capital 1 account is active and should have not been deleted from my credit history it was a current account in which I made monthly payments please restore my account info back to my credit
Consumer complaint received 2024-05-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (IL)

The Department of Education is cancelling student loans for all students who attended any XXXXXXXX XXXX from XXXX XXXX, XXXX through XXXX XXXX, XXXX. The Department found extensive school misconduct in the form of substantial misrepresentation to prospective students about XXXX employment rates, salaries and career services during that time frame. The private loans are not addressed by this federal cancellation, but they should be, as they are equally a financial burden to students who were victims of a fraudulent corporation. On top of this, the Department found that XXXX XXXX applicants who attended XXXX schools were eligible for loan forgiveness with overwhelming amounts of evidence of the corporations failures as an educational facility. Many XXXX XXXX applicants received forgiveness from the XXXX XXXX XXXX XXXX, which was finalized almost XXXX  years before the Department decided to forgive the loans of all students from these schools. There is no reason why these private, for-profit loans with their ridiculous interest rates should be exempt from this forgiveness. Loan providers such a XXXX  are acknowledging the accuracy of this complaint and offering School Misconduct Discharges. XXXX XXXX should be offering this same application and forgiveness for the loans it bought from XXXX XXXX, a conspirator in XXXX  predatory lending practices.
Consumer complaint received 2023-02-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IA)

Took a loan with Sallie Mae. Paid the loan off over 15 years ago then they transitioned to Navient. Now I have a lawyer 's office contacting me telling me I owe over {$4000.00} on a paid off loan. I do not have the proof of the payments as it was more than 15 years ago.
Consumer complaint received 2024-05-07
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: CITIBANK, N.A. (OK)

On XX/XX/2024 I received an email offer to earn XXXX Shop Your Way points if I spent {$1000.00} online using this card between XX/XX/2024 and XX/XX/2024. I immediately enrolled in the offer and spent a total of {$1100.00} across XXXX transactions in that time period. 

Citi did not post the bonus to my account and it took several secure messages and phone calls to even get to the department in charge of these offers. They told me that XXXX purchases did not qualify as online purchases, even though this is not stated in the offer description or disclosures. XXXX is one of the most commonly used online payment processors and the purchases were entirely made with online/eCommerce sites. This is a typical bait and switch promotion on a card charging over 30 % APR. 

The online transactions I made are listed below and my statements are attached along with the marketing communication received. 

XXXX XXXX - XXXX XXXX XXXX XXXX WA XXXX {$50.00} XXXX XXXX - XXXX XXXX XXXX XXXX CA XXXX {$7.00} XXXX XXXX - XXXX XXXX XXXX CA XXXX {$86.00} XXXX XXXX - XXXX XXXX XXXX NY XXXX {$96.00} XXXX XXXX - XXXX XXXX XXXX CA XXXX {$53.00} XXXX XXXX - XXXX XXXX XXXX CA XXXX {$54.00} XXXX XXXX - XXXX XXXX XXXX CA XXXX {$32.00} XXXX XXXX - XXXX XXXX  XXXX IL XXXX {$43.00} XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX {$300.00} XXXX XXXX - XXXX XXXX XXXX XXXX CA XXXX {$38.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX {$72.00} XX/XX/XXXX XXXX XXXX XXXX XXXX CA XXXX {$120.00} XX/XX/XXXX- XXXX XXXX XXXX AZ XXXX {$89.00} XX/XX/XXXX XXXX XXXX XXXX CA XXXX {$68.00}
Consumer complaint received 2024-05-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (TX)

'I get voice message from them and I respond to them they said its we debate collect and we need to to talk to here I tell here she cant speak English or read English I try to help here but she is has beginner of XXXX XXXX and she has XXXX XXXX and XXXX XXXX and XXXX and she is not able to walk and she insists to give my mother hard time and make discrimination against us because we come speaking XXXX I think it kind of harassment against an old womanly mom is very low income she only live on XXXX $ and XXXX $ food stamp is these enough to live now and pay bills or she threatened no to stop eating and kill here self because of the American law I hope someone in that country take care of week people Who is responsible for my mom life threatening