davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VT)

We are in the final stages of a 30 year fixed rate conventional mortgage underwriting final approval with Bank of America ( BofA ) for a home purchase. At origination on Mon, XXXX XXXX, 2016, we were given the option of whether or not to escrow property taxes and homeowner 's insurance as part of the application process. When we asked mortgage loan officer XXXX XXXX XXXX ( NMLS ID : XXXX ), " Does it matter? '' XXXX XXXX replied, " No, it can be done either way and you can always change your mind later. '' When we shared that on the current BofA mortgage for the home we would sell only real estate taxes were escrowed, XXXX XXXX stated, " Ok, I 'll just go ahead and set it up now for XXXX and we can revisit it later. '' Today, obviously later, concurrent with requesting the " binder '' for submitting to XXXX BofA and our attorney, we decided we did not want to escrow homeowner 's insurance and as such informed XXXX XXXX via e-mail. He replied via e-mail, " Please be advised that your change in escrows will results in additional points to your loan. Please confirm you still would like to do that. '' To which I replied via e-mail that I had read and re-read all of the forms and disclosures and could n't find any reference to said increase and asked where it was written and how much the additional points were. XXXX XXXX then replied, " It is not written but it was change pricing by XXXX points '' ( please note the quotes are cut and pasted directly from XXXX XXXX 's e-mails and not edited by me ) In a subsequent exchange of several e-mails I requested that given that increase was nevere disclosed it should be waived and requested such, XXXX XXXX wrote via e-mail, " The XXXX points will not be waived and we will proceed with the loan as currently configured ''
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MI)

I have a student loan with Navient and was told that my enrollment in a rate reduction based on my lower income situation was set to expire. When I contacted Navient and explained that I was in lay off status from my seasonal job with the XXXX XXXX XXXX, was married and responsible for XXXX children, and could not afford to have my payments doubled, the representative acccused me of lying and asked if I was getting some other income, I requested to speak with a supervisor, who told me they do not offer any such thing as an income based rate reduction and that a decision to approve or deny my request was based on a Navient representatives personal discretion.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2016-12-03
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: American Financial Network Inc. (VA)

Our mortgage was switched to American Financial Network XX/XX/2016. I paid our {$1700.00} mortgage on XX/XX/XXXX. The company received and cashed our electronic check XX/XX/XXXX. The payment is n't until late XX/XX/XXXX. The collections department has been called me 10 times even though I confirmed with them on XX/XX/XXXX they received the payment on XX/XX/XXXX. I have told them not to call anymore on 2 seperate occasions. They are harrasing me for a debt that was paid on time and was never late. They refuse to stop calling me.
Consumer complaint received 2016-12-06
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I would like to have Bank of America return the {$1000.00} early payoff fee that they charged my husband and I when we refinanced with another bank and closed out the HELOC loan with Bank of America on XX/XX/2016. We have had numerous calls with the branch manager and with the resolution department and have not had a logical response for the charge.
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: FIRST ADVANTAGE CORPORATION (TX)

This is the XXXX time that this XXXX has appeared on my public record under my name. The XXXX is from XXXX XXXX County Court house in XXXX dated XXXX/XXXX/XXXX. This is not my charge but the person has the same name and date of birth. I have called the court house myself and they have verified it was not me. I also did a credit dispute on this matter and XXXX removed it from my report but other credit bureaus are still reporting this matter as me and it cause me not to get employment. This need to be fixed and inaccurate information should not be reported on people who are innocent, I did not live in XXXX in XXXX and I was in the military XXXX and a resident of XXXX with a XXXX driver license. I did not move to XXXX until XXXX and never visited this state until I moved here. Please help me get this resolved it causing me problems with getting employment.
Consumer complaint received 2016-08-03
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (TX)

Chase strikes again. My wife and I were at XXXX and tried to reload our XXXX cards with {$25.00} through our XXXX apps, her using the main account we have and me using our joint account. We 've been doing this for a year and a half now on these same accounts and same cards - nothing has changed. Well, the app kept giving us an error that the system was not available, so we each tried to load funds 3 times because it sounded like a connection error. We could n't get it to work and finally paid with cash. Right after we leave I check on my Chase app and we each have XXXX PENDING TRANSACTIONS FOR XXXX DOLLARS EACH, BUT THERE ARE NO FUNDS AVAILABLE TO EITHER OF US ON OUR XXXX CARD. We immediatley called Chase customer service. They feed us the bs line that it 's for our protection and convenience. How is it convenient for us to not be able to use OUR MONEY and have them DEDUCT MONEY FROM XXXX OF OUR ACCOUNTS WITHOUT US GETTING THE GOOD OR SERVICES AND HAVING TO SPEND HOURS WITH THEM ON THE PHONE WAITING FOR OUR {$150.00} IN CASH TO BE RETURNED TO US? We have had it with Chase. We 've opened another account and will empty these accounts and then never use them again. They are despicable and XXXX.
Consumer complaint received 2016-12-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Resurgent Capital Services L.P. (LA)

After survivng Hurricane XXXX and XXXX oil spill, predatory company LVNV Funding LLc sued me, won and now garnishing my paycheck for $ XXXX/month. They stated that they bought a 15 year old XXXX XXXX credit card debt that I was paying every month. Because I refused to pay them three times what I was paying XXXX monthly, they hired a local attorney and sue me in XXXX XXXX Court. 

I missed the court date and could not afford an attorney because of work. So, the judge favored them without my defense. 

What can I do to stop this illegal action?
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was completely shocked to discover inaccurate accounts on my credit report tonight, and I have no idea why they're there. I check my credit report regularly, and everything was fine until now. I even refreshed my browser, thinking it might be an error, but the incorrect accounts were still there. I'm really worried about this and would appreciate it if the documents I've submitted could be carefully checked so I can stop worrying about this in the future.
Consumer complaint received 2016-12-21
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: ROYAL UNITED MORTGAGE LLC (IL)

We started a refinancing with Royal United Mortgage XX/XX/XXXX we sent all required documents. Paid to have house appraised XXXX We were told in would take 30 days refinancing process and not to worry about our XXXX house payment because it will be finished by end of XXXX! Well today is XX/XX/XXXX and we still haven't heard anything positive from our loan officer!! And we have been late on our XXXX house payment and playing catch up on our XXXX payment! Our loan officer keeps giving us the tune around that he's working on it! If we didn't qualify why didn't he he just tell us that!! We are very disappointed we had estimates done on our bathroom and garage plus some bills were suppose to get paid off. This waiting has really put us being as far as mortgage payment being late!!!
Consumer complaint received 2016-12-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Revenue Recovery Corporation (TN)

Revenue Recovery is negatively reporting on my credit report for a medical collection that does not belong to me. The debt belongs to a XXXX XXXX. I filed a police report with XXXX XXXX Police Report for Identity Theft Report # XXXX and Report # XXXX with Investigator XXXX. I have been a resident of XXXX TN Resident since 2008. I was a victim of identity theft and filed a police report due to fraud occurring in XXXX since 2008. I do n't owe this debt I would like it removed from my credit report immediately.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (SC)

I feel like I was put into forebearance and i did not even know that it would be less costly to pay on income driven repayment plan. No one even mentioned it and now my loans have accrued so much interest. No one even told me about options they just suggested forebearance. I feel like we should be able to trust people working there to have our best interest in mind. We are calling you because we need help. Help us not hinder us.
Consumer complaint received 2016-11-01
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Roosen, Varchetti & Olivier, PLLC (MI)

Accounts Account Name Account Type Open Date Status Balance XXXX Auto XX/XX/XXXX Closed {$300.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 42 Months Monthly Payment {$250.00} Responsibility Individual Balance {$300.00} Highest Balance {$7100.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XXXX Amount Past Due {$300.00} Times 30/60/90 Days Late 0/0/0 Remarks Payment after charge off/collection Returned voluntarily Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 


Creditor Contact Details XXXX XXXX XXXX XXXX, MI XXXX Above I have sent my credit report on the issue regarding to my voluntary repossession in XX/XX/XXXX. Now in are present date my checks are still being garish ; as u seen above it stated that my last payment was on XX/XX/XXXX which is not current cause my employer pays me weekly. Also my balance say {$300.00} and previous my check on XX/XX/XXXX was garish. If my paid weekly and last payment was XX/XX/XXXX I 'd over paid and still getting my checks garish.
Consumer complaint received 2016-12-21
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Please reference last complaint from Capital One Subject : Your submission, [ Case number : XXXX ] XXXX XXXX from Capital advised she would listen to calls and would get back to me with an answer but never returned my calls. I tired teaching XXXX XXXX from Capital One but was unable to reach her at the number she provided, every time I would call the line would be busy and so I would reach out to someone else at Capital One only to be advised that they tired and the line was busy. Capital One has left me in a financial mess with my other creditors, they refuse to reissue the Access checks/ reissues the checks they returned due to fraud on my account. Capital One also has false advertisement about the Access checks I was told I could use the checks for balance transfers, but the limit was never disclosed on the letter as to how much only the interest rates/ special offer to get 12 months of 0 percent interests rates.
Consumer complaint received 2016-12-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have been a bank of America ( BOA ) customer for the past 12 years and that will be coming to an end this Saturday. I already closed one of my account today and the others will be close this weekend after my direct deposit hit my account. I was in the process of purchasing a home long story short ... I was charged {$390.00} for an appraisal, however I felt like the service was not provided. The loan officer never communicated with me throughout the entire process, I sent him several emails asking him what 's the status of the loan and got no response, and at one point I was told that the loan will not be submitted, so YES, EVEN THOUGH I SIGNED THE APPLICATION I WAS NEVER PROVIED THE PROPER SERVICE. I called BOA explain to them and they provided me with provisional credit and within 1 month they deducted the {$390.00} back from my account. I 'm upset at BOA because as my bank they did not protect me, I was charged for a service that was not provided. Especially for the fact that I am a " Preferred Rewards Gold Client '', which is supposed to be one of their best account for high value clients. Oh please!! This is the high value treatment that I am receiving as gold reward client. I called them this morning to find out why they denied my claim and that I would like to resubmit the claim and dispute the same charges and the representative says no because they already denied he claim due to the fact that I signed the application.
Consumer complaint received 2016-12-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XXXX services changed my address for emergency purposes. When BOA asked my insurance company to provide proof of coverage the documents show the new address not the old address. I have provided BOA proof of the new address from my county at least 6 times via mail, fax and email. When I call in every person every rep tells me they see the documentation but do not know why it is not fixed and they do NOT have the ability to get someone on the phone. They keep just sending emails. Since this has occurred BOA has threatened me 2 times with buying homeowners insurance at MY expense because they can not get it correct. I have attached the documentation to this complaint.
Consumer complaint received 2017-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (OR)

Between XX/XX/XXXX and XX/XX/XXXX i rented an apartment from XXXX XXXX with my wife. From XX/XX/XXXX to the end of my lease i was made the XXXX and was legally not allowed to live in my apartment. As a alternative i resided in a room provided to me by the XXXX. I legally could not have caused any damages to the apartment in question, because i did not live there, both by legal constraint as well as physical.
Consumer complaint received 2016-11-01
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Friendly Finance Corporation (MD)

they call me everyday sometimes 2-4 times in 1 day, they call my job 2-3 times a day, and they even send text messages everyday to my phone. Is there anything I can do, I owe them and pay but I pay late but the calls so often make life even more XXXX.
Consumer complaint received 2016-12-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (MO)

PayPal Credit is a service which I never wanted to be enrolled in. I was automatically placed into an account where some of my XXXX purchases were not simply placed on my XXXX credit card, but rather given to a new creditor called the XXXX in XXXX. PayPal credit has been billing me for far more than my XXXX purchases forced into this credit account. I have reluctantly paid off all that they have insisted that I owe. I hope your agency is able to recover my losses which are approximately XXXX dollars.
Consumer complaint received 2016-12-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (GA)

I sent Enhanced Recovery a Validation of Debt letter, that was delivered on XX/XX/2016. According the FDRC laws a creditor has 30 days to complete their investigation and respond. Enhanced Recovery has violated the FDRC by not responding to the letter completely. The letter asked for proof the debt belonged to me and a copy of their license showing they are allowed to collect a debt in my state of residence. Non of which was produced.
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I contacted the credit bureau about fraudulent activity on my credit report and placed a fraud alert. There are inquiries not made by me that I requested to have removed and was denied. They told me to contact the creditor to have them remove the inquiries. I contacted the creditor who told me I need to contact the credit bureau as they can not remove it themselves because they can not find it in their system.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MA)

I submitted a request to consolidate specific loans to create a direct consolidation loan. Either dept of ed or Navient ignored my clearly typed application which listed the exact loans to consolidate and the XXXX loans to exclude from consolidation ( on separate forms with clear labels ). This resulted in the XXXX Perkins loans being consolidated with my other federal loans and I have lost my benefits to defer these loans under the Perkins Loan request for deferment prior to cancellation, as I am employed as XXXX at a XXXX. Now these loans are accumulating interest that will increase my overall debt to be paid while Navient and Department of Education have said they are addressing the error, after calling 15 times and talking to different people who accused me of submitting one form with all of my loans listed. I finally have in writing, via email from Navient, " Hi XXXX. 

We have requested for the Perkins Loan to be unconsolidated. We have to get approval through the Department of Education. Once the approval is received, the loan can be unconsolidated. 

It is a time consuming process which we have no control over, but I wanted to let you know we are working on it. 

Regards, cid : XXXX XXXX Loan Consolidation Specialist, Loan Consolidation Department Navient XXXX, XXXX , IN XXXX XXXX XXXX FAX '' That email was sent XX/XX/2016 and I have not been able to get anyone on the phone from this department to check on the status. They have not returned my calls after leaving messages. And furthermore, because I am a XXXX working for a XXXX, I qualify for Federal Loan Forgiveness, for which 120 qualifying payments will forgive my loans. But payment on this direct consolidation loan ( incorrectly ) will not qualify because this will be a different loan after they de-consolidate the XXXX federal perkins loans. The fraud is absurd in this organization, I am drowning in XXXX dollars of debt and the only light is that I can work towards federal loan forgiveness over 10 years, and loan deferment and cancellation over 5 years of my federal perkins loans. I have never felt so helpless. I attended XXXX University for my XXXX 's, from which my Perkins loans were disbursed. I then attended XXXX University for my XXXX for the large majority of my other federal loans.