davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

My account No. with Bayview Loan Servicing is XXXX. I have been asking for Bayview to send me their short-sale package for three months, but typically, they've not responded. I have emailed and faxed their ceo, president, and head honchos all about this and have gotten nothing. Today, we were served with a Civil Action Summons from XXXX XXXX about our mortgage - WHAT? Since when did Bayview transfer our mortgage to them and they didn't even tell us. Now instead of complying with my simple request for their short sale package, we are in foreclosure. We spent two years of our lives a couple years back trying to get them to grant us a loan mod and they took us to court every month for mediation and finally gave us the mortgage mod. Now this. The way they have purposely ignored my plea for the short sale info is just awful - I told them the house is for sale and I just need those papers. Nothing. Now a summons. I also explained to them that I had a XXXX last year and my income is down to a monthly XXXX check. I hope they're investigated just as their predecessors were - XXXX XXXX XXXX.
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CT)

XXXX XXXX  XXXX points stolen and used at XXXX XXXX XX/XX/18. 
Email account hacked and shutdown with XXXX ( date unknown ). 
XXXX account hacked and shutdown ( date unknown ) Applied for credit card with XXXX XXXX and approved up to {$4200.00} ( XX/XX/18 ). 
Applied for XXXX XXXX account to purchase 3 XXXX XXXX  XXXX XXXX  contacted me and stopped order ( XX/XX/18 ). 
Concerned someone has my Social Security information.
Consumer complaint received 2018-11-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (SC)

Hello, I have 14 different student loans that are showing 90 days late on XXXX, XXXX. This information is not correct. My student loans have always been deferred, forebearance or on an income based repayment plan. I have made all required payments, on time. I have submitted all necessary paper work, when they ask, however they ask for it. But they still have not updated my credit reports to show accurately. I believe this is some sort of agent error. Of which they are commonly known for ( example : I filed for a deferment recently, and it was DENIED because according to them, I have loans disbursed before XXXX, which is impossible because I was only XXXX years old in XXXX. *this issue has been handled. Just using it as an example of THEIR error ).
Consumer complaint received 2018-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NJ)

XXXX XXXX I have received my request for ICR and my three loans interest individually are 6.840 7.000 6.310 so that means it should be 6.716 or rounded 6.72 % which we discussed on the phone. The letters said that it will be 6.75 % which is clearly not the correct Interest rate, I mean a XXXX year old can do that math. MEANWHILE they said I could not do this until I was out of my grace period so I have to be in a forbearance until XXXX for approval. I will be accruing interest during this time. With the lawsuit against Navient I just have absolutely no trust in them at all and every time I call I feel like I am being lied to.
Consumer complaint received 2018-11-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (OR)

There is a credit card reported on my credit under the name of XXXX. I submitted a dispute to the credit bureau about this card and XXXX 's verified the account. I sent a letter to XXXX XXXX on XX/XX/18 requesting document on this debt. They sent me a fraud form to fill out and send it back to them. I sent it on XX/XX/2018. It's been more than 30 days and I have not heard back from them. However the account is still on my credit report.
Consumer complaint received 2018-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America reorders transactions so that the highest amounts process first, regardless of when the transaction occurred. Because of this, I incurred multiple overdraft fees. The transactions were still " processing '' so I scrambled to take out a payday loan to cover the negative balance ( which was - {$93.00} on XX/XX/XXXX ). A deposit of {$250.00} was made at midnight, but that didn't make much of a difference. On XX/XX/XXXX, my balance was {$1.00}. I was reeling, as I had to take out a loan to cover the negative balance and then incurred {$140.00} in fees on top of that. This bank is stealing money from the public and should not use these unethical practices. I have tried multiple times to resolve the matter over the phone and after 3 phone calls, I was finally able to get ONE {$35.00} fee reversed. I have been a customer for over a decade and will be closing my account as soon as possible. I am absolutely disgusted with the way this bank operates.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I am writing on behalf of XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX Texas XXXX, to address a serious matter regarding the unauthorized and uncompensated use of his source data by Experian Continues to report two separate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account without proper authorization and validations and against federal laws not performing proper investigation into securities fraud, improper use of private information without authorization and identity theft
Consumer complaint received 2018-06-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (TN)

XXXX- called again on the debt i told them Ill pay when i have the funds and have to do the research on the other agency before paying. The rep still kept continuing to demand the Payment even when i told him dont call me again. This is the third time calling. The calls are recorded so you can pull the phone records.
Consumer complaint received 2018-11-21
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 — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (CA)

XXXX has been non-compliant with removing the unverified account CREDIT ACCEPTANCE CO which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that CREDIT ACCEPTANCE CO was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (MS)

Amex calls me repeatedly even though I have explained my financial situation and my inabiltiy to pay at this time. The phone call I just had with a debt rep from Amex consisted of him repeatedly telling me if my payment wasn't made today, I would be turned over to collections. I asked for the late payments to be removed and he stated they could only remove 3 fees. I asked for more and he kept repeating himself about closing the account and sending me to collections. When I asked him to stop making threating statements and asked for his supervisor, he refused and continued repeating himself about what will happen if I don't make a payment.
Consumer complaint received 2018-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am reporting for fraudulent activity with Bank of America. I was trying to make my credit card payment using Bank of America ATM located in XXXX, WA ( XXXX branch ) on XX/XX/2018. I deposited the cash into the ATM for at lease {$350.00} or more. The ATM did not process my payment and did not returned my money. I called the Bank of America customer service right away and they answered my call with 20~30 minutes hold time. I explained to them what happened and they told me that they will review the ATM and process the payment within 3~5 business day. I checked again on XX/XX/2018 to see if my payment has processed or not, but it didn't. I called them again and asked what happened. The customer service rep said there is no inquiries regarding my ATM deposit and they have not processed any investigation. I complained and asked them what happened to my money. She said she has no clue and she will request for inquiries. Now it's XX/XX/18 and still no payment has been processed. I made additional payment using my other bank 's checking account, and that processed right away. Bank of America took my money and not returning nor processing the payment. If I didn't made additional payment using other bank 's checking account, they would've probably charged late fees, additional interest charges and so forth. If i don't contact the CFPB, they will never gon na return my money or process the payment. This credit card is not free. I paid like {$99.00} annual fee. I didn't signed up for this XXXX.
Consumer complaint received 2018-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Financial Group (MA)

XXXX a magazine company is stating I owe XXXX dollars and I do not. They have contacted me on my cell phone very rude and threatening and called me at work today XX/XX/2018 a man this time very demeaning and belittling and threatening. They also called my XXXX XXXX XXXX mother today XX/XX/2018 who just got out of the hospital said they were going to freeze her XXXX and they had a warrant for my arrest. My mother was beyond upset and can not afford to get upset in her state of health. They said they would call my work and get me fired. The scared me and intimidated me and my elderly mother! The first woman that called was XXXX at XXXX Ext XXXX. The man that called today I didn't remember his name asked for him to repeat it and he would not and he would not give his phone number. He said they were freezing all my bank accounts pay check etc all income. This is so wrong and abusive especially and elderly XXXX woman fresh out of the hospital. Please help me make this stop. I bought nothing from them. There address XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Capital One Auto Finance incorrectly charged off my account. After contacting them they advised me to dispute the error with the credit bureaus. After disputing with the bureaus I was advised contact the original lender. The account is being negatively reported and both the lender and bureau XXXX and XXXX  are not willing to correct the issue.
Consumer complaint received 2018-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

My Name : XXXX XXXX XXXX & XXXX XXXX DOB:XX/XX/XXXX SSN : XXXX CFPB Complaint ID:XXXX Complaint to Capital one Bank Hello, my name is XXXX XXXX, on XX/XX/XXXX , I opened a joint account with Capital One ( routing number : XXXX, account : XXXX ). 
I received a respond from Capital one Bank, but I disagree with what their responded. I did everything they told me to do, my friend and I went to XXXX XXXX many times. funds had already transferred to Capital One long time already so they could not do anything. 
I need a better solution. I hope someone can help me, I just want they return the funds to me or my friend accounts 1. Name : XXXX XXXX & XXXX XXXX ( XXXX XXXX ) Phone # XXXX Check Date:XX/XX/XXXX Check # XXXX Account # XXXX Routing # XXXX Check amount : {$3600.00} 2. Name : XXXX   XXXX XXXX ( XXXX XXXX ) Phone # XXXX Check Date:XX/XX/XXXX Check # XXXX Account # XXXX Routing # XXXX Check Amount : {$5000.00}
Consumer complaint received 2018-11-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CURO Intermediate Holdings (WA)

On XX/XX/XXXX I applied for a payday loan online with speedycash.com and my request was immediately denied, although I work for XXXX XXXX since XXXX, XXXX, have direct deposit and would be able to repay the loan. I simply accepted their decision and today ( XXXX ) I contacted their 800 number at XXXX to request that my personal information such as driver 's license number, social security, banking and debit card, as well as my address to be permanently removed from their site and was advised that none of that information would be shared with third party companies, so they would not be able to delete it. I asked to speak with a supervisor about the deletion of my personal information and was disconnected. I want to report that speedycash.com is refusing to removed customer 's personal information even when those customers do not have a loan with them, so my information is openly available for identity theft and there is nothing I am being able to do to remove it from their site.
Consumer complaint received 2020-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. ()

Hi Team, It is been observed in my today 's report that my credit score is only XXXX. 
I am totally dissatisfied with the current report which is been reflecting on credit score portal. 
Even after maintaining my all the current loans at place where I haven't missed any of my due, Then too it is reflecting so bad credit score which I believe as per my knowledge it is totally incorrect as I am aware that credit score goes down in that scenario where any individual miss out their due 's. 

Wherein I am paying all my ongoing due 's on time since XX/XX/2017 if you will check my XXXX  track records you will never find that I have missed any of my due 's. 

May I know the exact reason on how you people are judging my credit score & on what basis? 
It is so disgusting where today even after maintaining such a good records I am unable to get any further loans where I am totally eligible on basis of what my current track is. 

So request you to kindly cross check your database and please improve or rectify my credit score from pathetic XXXX to more than 750 which I was already having few day 's back.So that I can easily go for further requirements. 



.
Consumer complaint received 2018-11-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

There have been litany of problems regarding the reporting of my credit by credit reporting agencies, as I try and fix them I'm being met with obstruction. After requesting and receiving a copy of my Credit report from Experian, I found several problems on it. I then tried to challenge the problems on the report, and found that I was unable to challenge them online. When I attempted to challenge problems on my report, I was receiving the message " Unable to challenge online, you will have to contact Customer Service ''. I then contacted Customer Service and explained the problem that I was having, and was asked several questions but the Customer Service Rep.

After answering the question the Rep explained that I wouldn't be able to challenge the information on my report because one of the addresses that I gave wasn't on the report. I explained  that this doesn't make sense, that the information on my report is incorrect and this is why I need to challenge the information. I asked why I couldn't challenge the information, and was told " I can't tell you that ''. When I asked to speak with someone else because this makes no sense, the Rep. then hung up the phone on me, can you help me with this problem?
Consumer complaint received 2018-11-20
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. (NY)

I called XXXX to inform them that I have been negatively impacted on my credit report. Although I made my payment in full on the website, they stated the reason for the negative impact was due to interest that was not paid. I explained to them that the interest was not reflected in the payment request online. Had it been reflected, payment would have been made. The person ( XXXX ) in Consumer Credit Specialist Department agreed but stated the only way she can discuss making the change with the credit bureau was if the mistake was done by a third party. 
I believe this is unfair since the bill did not illustrate correctly. Please have XXXX update my credit report and remove my negative impact.
Consumer complaint received 2018-11-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have been contacting Bank of America, who appear on my credit file as BK OF AMER numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquire date of XX/XX/XXXX, And listed on me XXXX   report with a inquiry date of XX/XX/XXXX. Neither of these did i authorize or give permission. they are a result of fraud. 

The listed contact information I have for this company differs, one is XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX and another is XXXX XXXX XXXX XXXX XXXX Tx XXXX ( XXXX ) XXXX
Consumer complaint received 2018-11-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Kansas, Inc. (KS)

Original account was with XXXX XXXX XXXX  and the account was closed and charged off as a bad debt. It was sent to a collection agency in XXXX XXXX, KS and I was making payments to them until hard times fell for medical situation in my family. I received nothing new from the original collection agency or the bank whom the debt was with until I was paying on a bill thru XXXX  XXXX XXXX, attorney also does business as the Collection Bureau of Kansas. I disputed owing him any money on the account as I was in no contract with him or his business on a debt that had been closed and charged off. I received nothing back from Mr. XXXX validating the debt and I have been paying on a debt in his office for XXXX XXXX in which my last payment was mailed in with ALL ACCOUNTS PAID IN FULL. Mr. XXXX office has returned the payment and refused it because they say I owe them the account for XXXX XXXX XXXX that I have disputed and have never received validation on. I have contacted the bank to try and resolve this since the original collection agency did not report the payments that they received from me. Numerous times of trying get resolution through the bank and nothing until I reached our to XXXX the branch manager of the bank I went to and he advised they changed collection agencies to XXXX  XXXX XXXX this year. He did advise me that I could pay the bank or the new collection agency. I am disputing this because Mr. XXXX did not follow the FDCPA in validating the debt balance, etc. and he has not only refused my money for my other debt but failed to notify me that all attempts had ended and they were taking legal action. Today I received a limited actions docket hearing order from the district court. His office is very rude and disrespectful and they do not adhere to FDCPA rules when attempting to collect a debt.
Consumer complaint received 2018-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I suffered damage to my home during Hurricane Michael and received a check from my insurance company for XXXX dollars. I notified Fifth Third Bank that I wanted to use the funds to pay off my mortgage, I received a letter from them date XX/XX/XXXX acknowledging my request for payoff and instructions on how to indorse check and where to mail. I also received a payoff that was good till XX/XX/XXXX. I sent them the check endorsed by my wife and I with the account number notated on from and the request to pay off my mortgage, I have the receipt from the postal service where I mailed the check and I am showing on my account where they have cashed the check and listed it as an unapplied credit. I have called several time to get this resolved and was assured that my account would be paid off as of the XX/XX/XXXX. I received a letter dated XX/XX/XXXX advising me that all late fees and negative impacts on my credit report would be waived or retracted and that they hade posted my payment as instructed. I call this afternoon and was being transferred and was put on hold for over thirty minutes and I hung up. To me it would have been as simple as them endorsing the check taking my balance owed and mailing the rest back to me. I still don't have my money and now they say I am late on my payment. I am a XXXX XXXX XXXX XXXX XXXX veteran and this is causing undue stress that I don't need. Can you help me?