davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (DC)

Sallie Mae does not give borrowers the option to make a principal-only payment online. I gave the minimum payment online and planned to call in to apply another payment strictly to the principal. I called the main Customer Service number, and they told me that was also impossible to guarantee through their means. The representative I spoke to was clearly unfamiliar with the idea or function of a principal-only payment and told me false information. He repeatedly told me " most '' of my payment would go to the principal or that he really could n't guarantee where it would go. It was clear the representative was trying his hardest but that he was simply untrained and unequipped to provide me the correct information and action. I went so far as to ask if a principal-only payment application could be guaranteed if I sent in a check. He once again essentially tried to tell me there was no such guarantee. 

This is unacceptable. ANY other type of loan allows the borrower to apply payment at their discretion, provided minimums and fees have been paid. If I pay what I " owe '' for the billing period, I should be at liberty to apply payment wherever. 

It is clear Sallie Mae has exercised great liberty in thwarting its borrowers from repayment. It is disgusting that an organization would make it so difficult to get ahead on debt. 

Perhaps the representative was new, or mistaken. Regardless, it would really be best if SM could offer this option online. This is totally unreasonable.
Consumer complaint received 2016-03-17
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Pressler & Pressler, LLP (NY)

My husband was unemployed for two and a half years. I was unable to pay credit card bills at the time. Paying mortgage and providing food for my family was the priority. I offered to make payment arrangements but, what they were requesting was in excess of {$200.00} per month which I explained was n't affordable as I was the only one working in a household of XXXX people. This company sought legal action, put a lien on my house and froze my bank account. They debited amounts of a little over XXXX and XXXX XXXX dollars on two occasions and put a freeze on the same amount twice. I had to go to the bank on several occasions and take time off of work to resolve this error over the course of more than one week. The funds they debited were my mortgage funds which put me further in arrears and caused me extreme financial hardship. I contacted them regarding a settlement on a few occasions and they refuse stating since they have a lien on my house so they do n't have to make a settlement arrangement. They are also unwilling to set up a reasonable payment arrangement. I am going to be out of work soon as my company lost their contract and I explained this to them. They are unrelenting and uncooperative.
Consumer complaint received 2016-01-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I am a single mother with XXXX children, I just went through a horrible divorce that involved XXXX. I am trying to pick up the pieces and put my life back together which includes keeping a roof over my children 's heads. I have a career with a XXXX year job history. Our home is currently in the foreclosure process with Bank of America. My ex husband stopped paying for the mortgage and took all of our money out of the bank when I obtained a restraining order against him. I can afford the mortgage payment go forward however I am unable to make up the back payments. Prior to the divorce being final I was constantly in contact with Bank of America trying to figure out ways to prevent the foreclosure. I was highly encouraged by them to obtain the divorce decree as quickly as possible and get my soon to be ex to quit claim the house so that I could qualify for a mortgage modification. I rushed the divorce to obtain these documents and submitted them only to be told I did not qualify. I was never told the same thing twice. Every time I called I received conflicting information. I retained an attorney by the name of XXXX XXXX at XXXX Law Firm as I feel there have been many UDAAP violations throughout this entire process that need to be investigated. To this day I still am unable to get the same information from XXXX different people at Bank of America on anything having to do with this whole mortgage modification approval/decline process. I submitted the divorce decree and quit claim deed exactly as I was told then I was told by someone else there was no need to do that. They appraised my home for {$500000.00} the first time, when I appealed that they came back with an appraisal of {$450000.00}. I sent in XXXX comparables to Bank of America and gave them the name of several realtors in my area who said the home would not appraise or sell for more than {$370000.00}. Bank of America has ignored that. Where is the due diligence around their appraisal process and ensuring the accuracy of them? How many other mortgage holders homes were over appraised as well in order to decline their mortgage modification?? I believe this over appraisal is XXXX of the reasons for the denial for the mortgage modification but not able to get confirmation around that either. Recently someone named XXXX XXXX called and said I could get my own appraisal done and this was the first I have heard of that as well. There have been nothing but unfair and deceptive acts and practices during this entire foreclosure/mortgage modification process. Please help, I can definitely afford the payments and need to keep my XXXX children in their home.
Consumer complaint received 2016-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (SC)

MY SSN CARD IS ATTACHED and My there is an inaccurate SSN on my credit report that they fail to remove. My correct SSN is XXXX REMOVE ASAP XXXX SO XXXX Can you take a look at the account responsibility and number and remove this collection immediately. I do not believe it is accurate. 

XXXX XXXX Begin reviewing the account name, account type, and account number. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX XXXX XXXX XXXX am requesting investigation of the account name, opening date, and date of last activity. This information seems to be misleading. Immediate removal of this item is greatly appreciated. 

State Tax Lien XXXX Can you please run an investigation on the public record type, docket record and amount owed. Please remove this public record for violating the Fair Credit Reporting Act it does n't seem right. I have included the documentation from the Georgia Department of Revenue showing that this is inaccurately reported. So, I need for you to Delete this account ASAP
Consumer complaint received 2016-01-11
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Delta Outsource Group, Inc. (CA)

I asked that they not call me but to communicate with me in writing. They said that I needed to send them a written request not to contact me in writing, otherwise, they are within their rights to call me. ( See attached letter. ) Is that true? 
I 'm rebuilding my financial life, after these institutions torched the economy. I plan on negotiating with each of my creditors once my financial situation becomes stable. 
Here 's my request, I 'd like to know if this is a legitimate collection agency, I 've heard that there are a lot of unregistered, unethical, and illegal collection agencies out there. I want to make sure this is not XXXX of them.
Consumer complaint received 2015-12-29
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Frederick J. Hanna & Associates, P.C. (closed) (FL)

I have default judgment against me that was filed by the law firm of Hanna and Associates. I never received any documents to verify/deny the debt was owed. The debt they are claiming has over {$3000.00} in interest.
Consumer complaint received 2015-12-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Dear XXXX. We have wrote three times to these people. All we ask is a accounting of what was purchased as we had payed XXXX XXXX Off.Then two years later they say we owe XXXX XXXX I have requested an itemized account. They will not supply XXXX. We do not owe a dime. Sincerely XXXX
Consumer complaint received 2016-01-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Solomon and Solomon, P.C. (NY)

I owed a XXXX XXXX XXXX XXXX from XX/XX/XXXX said I agreed to pay XXXX a month I never did that the statues of limitation have run out as of XXXX summons me to court I replied by sending the court the bill the summons and a letter stating did not owe it due to the statues of limitations on new York state is 6 years so they have put a judgement against me
Consumer complaint received 2015-11-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc (CA)

I had a very rude person from Pay Pal Collections call me today, asking what the reason was I had n't paid my account in over 30 day. She said I was over 30 days late, which is not true. I told her the last payment was XX/XX/XXXX and she said it was 30 days past due. I missed my payment on XX/XX/XXXX that was 9 days ago. I told her it was 7 business days late. She was so threatening rude, kept cutting me off, and told me that Pay Pal would take money from my checking account, and that I owed an extra {$35.00}, Then, she had the nerve to tell me I 'm always late, I have n't been in 6 months or more. 
She asked me why I charged up over {$700.00} if I was n't going to pay my bills on time, and that my account would be closed if I did n't pay today, because it is so behind. NO delinquent notice sent. She also told me that if I did n't pay her, that she 'd keep calling until a payment was made. She kept mentioning the last XXXX numbers of my checking account, and saying I HAD to give her a payment. 
When I asked her what her name was, she said " I already told you ''
Consumer complaint received 2015-11-12
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK (CA)

I was formerly a Scottrade customer and part time Scottrade intern at the XXXX XXXX campus - and I can not say I am surprised that this happened. 

Scottrade 's customer support has always been horrendous with managers placing emphasis on an unwritten policy to not deal with any dispute if it requires significant resources. Managers have cut the Scottrade support staff to a minimum and instructed employees that if a customer is not satisfied - " force them to use arbitration ''. The corporate culture is all about profit - not a minute is dedicated towards customer satisfaction. 

In terms of cybersecurity, Scottrade is at best below par, at worst, utterly incompetent. I have now moved to the Cybersecurity business and have analyzed complaints against Scottrade as well as their statements in an effort to research the industry and found some very disturbing things. Like others has mentioned, it took Scottrade more than two years to discover the breach, they refuse to give details, and do not provide retroactive identity theft coverage - but there is much more. 

1. ) If you XXXX " scottrade muckrock '' you will see that a number of complaints submitted to the SEC and forwarded to Scottrade have directly reported the failed cybersecurity infrastructure and corporate ignorance. If you file FOIA requests with the SEC you can obtain more information. 
2. ) An associate of mine was a victim of an " account takeover '' in 2013. His Scottrade account was hacked and over XXXX dollars was stolen. Scottrade refused to acknowledge the fraud and claimed on numerous occasions that their cyber systems are " flawless ''. 
3. ) Also reading complaints about Scottrade and researching their computer networks, there are STILL security vulnerabilities in Scottrade 's systems that allow fraudulent ACH transfers, fake account, and market manipulation. 

To everybody that has decided to leave Scottrade - Good for you. 

To everybody that is decided whether to go elsewhere - There are numerous other options available, choose somebody that offers two factor authentication, that is generally an indicator that they at least have a half-way competent cybersecurity department. 

To everybody that is still doing business with Scottrade - If things go south, expect Scottrade to XXXX you in an efforts to protect their profits and avoid liability.
Consumer complaint received 2016-01-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: FIRST ADVANTAGE CORPORATION (TX)

Received a letter of denial for a rental application with " Check Writing History from XXXX '' sited as XXXX of the XXXX reasons. When I contacted XXXX via the number provided on the denial notice they looked up all of my information and said that there was " nothing negative or outstanding '' under my name, social security number, or drivers license number.
Consumer complaint received 2016-01-12
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is misreporting on my credit report a credit card that has been charged off. The account was charged-off back in 2012, however Bank of America continues to report the account as an account as open but also with a past due balance, which is reflecting a missed the payment for every month since the charge-off date. Charge-off accounts can not be legally reported as having been past due every month after they 've been charged-off, they are supposed to show that the balance has been charged-off. Instead for the last 5 years, every month, they 've reported a new late payment on my credit report, so this account shows I have over XXXX late payments after it was charged off ( Please see attached excerpt of credit report ). This is a blatant violation of the FCRA.
Consumer complaint received 2016-03-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I fell behind on my mortgage XX/XX/2009. I spoke with my lender, Bank of America and they instructed me to send {$1400.00} overnight to prevent foreclosure, which I did. I was told that this would bring me up to date and that they would respond with the next steps to take. Two months later they sent the money back and told me that it was a miscommunication and that they were going to foreclose anyway. I made attempts over the next 3 years to work with Bank of America but they refused to take any payments stating they would only accept the full balance, or they would proceed with the foreclose. 
Eventually I beat them back in court in the XXXX Judicial Circuit of Illinois and forced them to modify the loan. A {$2000.00} settlement payment followed from Bank of America to compensate me for the improper foreclosure effort. 
As a result of the improper foreclosure Bank of America has placed over 38 late / missing payment notations on my credit report, even though they would not accept payments during that period. Additionally, it was agreed during the loan modification that Bank of America would remove the late / missed payment notations. It was agreed that I could n't have been late or missed payments that the lender refused to accept. They now have simply forgotten that part of the agreement. 
I have attempted to speak with Bank of America regarding this complaint, but there is no one who is willing to address the modification, or even discuss the mis-reporting. This is having a huge affect on my credit score and my ability to refinance to get a lower interest rate. It has cost me thousands of dollars in high interest rates with other lenders as well.
Consumer complaint received 2016-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (OH)

Was in a income based repayment plan. Submitted my yearly application for repayment plan with paystub and they " guessed '' my annual gross. Increased my payment by {$140.00}. Called and complained numerous times that my income ( that they guessed ) was not correct and that the amount they wanted was not accurate for the Income based plan. They repeatedly told me they would look into it and correct it and in the mean time they would put into forbearance. Now a year later they are saying I 'm delinquent and sent to credit bureau even though I did n't owe that amount according to their income formula.
Consumer complaint received 2016-01-11
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (PA)

I paid a company named XXXX XXXX XXXX a total of {$14000.00} over several cards and transactions for a custom e-commerce website and coaching services. They made all kind of promises of income between $ XXXX- $ XXXX a year. It has been over a year and I find that I have not made a penny. Besides that the coaching did n't exist and the " custom '' site was nothing more than a substandard, rudimentary, cookie cutter that was never completed. They never finished the logo, never provided any marketing or the coding thumb drive as promised. They ripped me off and I am hoping that someone at my bank can help me get my money back. This company is still operating and I would like to dispute these charges. Services were not rendered and what I received was not what was described. I will be reporting them to the FTC as they are clearly violating the laws and need to be shut down. Please help me.
Consumer complaint received 2015-07-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

Ocwen Loan Servicing LLC as servicer for XXXX XXXX XXXX XXXX have filed a civil case against us in XX/XX/XXXX in XXXX XXXX County case # XXXX which lists XXXX XXXX XXXX XXXX XXXX as Trustee under Pooling and Servicing Agreement dated as of XX/XX/XXXX XXXX XXXX XXXX XXXX, despite the facts that we, XXXX XXXX and XXXX XXXX were not in default when the summons was filed. We were current and have proof of said payments. 
Are you aware that the plaintiff in this case is XXXX XXXX XXXX XXXX and is in default of its obligations under applicable Federal and State laws? The servicing agents are not the real parties in interest. XXXX XXXX XXXX XXXX lacks the authority to proceed but have intentionally and fraudulently filed papers and posted notices as though the authority was present.
Consumer complaint received 2016-03-21
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America took over 1 year to deny a loan. They assigned yet another representative on same level as other to assist me. I left a message for his Email to send him further documentation. He has yet to respond. This is why it takes Bank of America over 1 year to make the first level decision. My current representative is XXXX XXXX. Further, Bank of America refuses to allow customers emails for higher level officers.
Consumer complaint received 2016-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Equifax said that : " Please be advised the following accounts had been deleted for the credit the file in case number XXXX XXXX XXXX XXXX account numbers XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.Written confirmation was mailed to you. '' YET 1 ) Most of these inaccuracies are STILL on my credit report. For instance, my Equifax credit report says that my installment loan amount is $ XXXX+ when it 's actually around $ XXXX. 
2 ) I was NEVER mailed a written confirmation.
Consumer complaint received 2015-07-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXX, I submitted a request for an investigation into a hard inquiry by XXXX XXXX ( i.e., " XXXX '' ) that I had not authorized. On XXXX XXXX, 2015, TransUnion mailed back the supposed results of their investigation. The results were completely unclear as it was merely a copy of my credit report. Moreover, the report incorrectly included the name " XXXX XXXX '' as one of my reported names. ( The attached photos show the XXXX incorrect places this name appears. ) I am entitled to a more thorough investigation of this matter, a disclosure of the full results, and the removal of this random name from my credit report whose origins I honestly do not know.
Consumer complaint received 2015-11-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (FL)

XX/XX/XXXX The company " Credit Protection association '' XXXX Texas XXXX placed a collection in the amount of {$88.00} on my XXXX credit report on behalf of XXXX. I do not owe this money and XXXX has no record of ever sending my account to collections. 

Credit Protection association made no attempt to contact me by mail or phone. They did not give me an opportunity to dispute the error. I was not aware of the amount in collection and have proof that I am in good standing with XXXX. I recently applied for a mortgage and learn of this collection and Credit protection told me when I called the first time that they had no record of me in their data base. Two weeks later when I called they located the file. 

They refused to remove this from my credit report until they Verify with XXXX and they told me that they will not provide me any updates. They also refused to provide me with documentation when they clear up the matter. I need this for my records and to provide to my bank. 

My XXXX account is XXXX. I have been with XXXX XX/XX/XXXX and in good standing as my account has always been on auto pay.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Financial Management Solutions, LLC (MD)

This company is violating my rights they have not provided Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report. I have made previous attempts to fix these issues directly with them. I would like for these accounts to be deleted ASAP
Consumer complaint received 2015-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Diversified Consultants, Inc. (KS)

XXXX account opened by my wife & paid by her was listed as mine. Wife attempted to call XXXX XXXX DCI ( the third party collector assigned to the debt ), was hung up on numerous times when she asked my name be taken off the account, was told I was still responsible because we were married though she opened the account & paid bills with her seperate bank account