davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

XX/XX/XXXX This letter of complaint is concerning Navient telling me that I owe higher monthly payments than what was agreed upon in my consolidation loan promissory notes payment plan.
Navient sent me a letter onXX/XX/XXXX and XX/XX/XXXX with an updated payment schedule stating that my monthly payment will be increased to {$260.00} because my loans were under disclosed. According to my promissory note I selected the graduated payment plan C1 and my agreed upon payments are : 75 months at {$75.00} on XX/XX/XXXX 75 months at {$130.00} on XX/XX/XXXX 150 months at {$170.00} on XX/XX/XXXX Beginning XX/XX/XXXX I am on the final step of the payment plan of 150 payments of {$170.00} remaining with a payoff date of XX/XX/XXXX.
Navients letter stated that in order to pay the loan off on time the payments have been adjusted to {$260.00}. No documentation ( though requested multiple times over the phone ) has been provided proving their claim. They indicated that an audio recording exists indicating that I agreed to this higher amount, but in order for me to hear the recording I will need to secure a subpoena, pursuing legal action. Upon further questioning they admitted that no such recording exists.
When I spoke to representatives on the phone, telling them I can not pay the higher monthly amount they are demanding, they informed me that I could go into forbearance. Only after I communicated that this is something they are being sued over did they then inform me of other payment plans.
At this time Navient is stating that I am 90 days past due on my loan despite my continuing to make payments of {$170.00} ( the payment due according to the promissory note ). I am asking Navient to correct this with all of the credit bureaus. I am also asking that my payment plan be corrected to the contractually agreed upon amount.
Out of fear of being put into default I have paid the extra monthly amount that Navient has declared that I owe. I have paid Navient {$540.00} in overpayments from XX/XX/XXXX - XX/XX/XXXX. This extra amount is enough to cover my monthly payment due of {$170.00} for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
I am unemployed and have been borrowing money from family and friends to make these monthly payments. I am no longer able to make payments due to this undocumented increase in payment that Navient is stating that I owe.
Unable to make Navients unjustified payment increase, I continued to make the agreed upon payment of {$170.00} starting in XX/XX/XXXX. Navient has charged late fees of {$100.00} for me not paying the higher amount. I am requesting that Navient return to me the amount of {$100.00} and any additional late fees added after XX/XX/XXXX.
To reiterate, I am also requesting that any erroneous reports given by Navient stating that my account is 30 or more days past due be corrected with all credit bureaus. And lastly, that Navient correct the monthly amount due to the agreed upon {$170.00}.
Consumer complaint received 2016-12-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America, N.A., or whatever it is calling itself today or whichever offshore subsidiary may be involved charged off a 2nd lien on XXXX XXXX, 2008, yet it remains attached to the property in question. Any and all efforts to settle the matter are being met with deaf ears. # 1 - Did n't Bank of America receive TARP funds to assist homeowners? Were TARP funds applied to this account in question? 
# 2 - Why can a XXXX firm ( hedge fund ) easily buy the " debt '' from them yet a principal, such as myself, trying to do the same is met with roadblocks? 
# 3 - Has this matter been properly reported to the IRS? 
# 4 - Is Bank of America merely leading the front to keep the general population in a state of involuntary servitude as debt XXXX? Last I checked XXXX was illegal in the Constitution. 
# 5 - There has got to be a remedy available.
Consumer complaint received 2024-09-30
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: CITIBANK, N.A. (IN)

I have had a XXXX balance with HD for a long time. Moved from Fl. to Indiana and filed a change of address with U.S. Postal Service. Have never been late with Home Depot. Made a small purchase in late XXXX after moving. Expected, but never received a bill from Home Depot. They confirmed that they mailed the bill to the wrong Florida address when I spoke with them in XXXX ( XX/XX/year> I believe ). The representative advised that they would not be reporting the late to the credit bureau since I paid within 45 days and they waived the late fee. 
Then, in XXXX, I get the late notice on the credit bureau. I called back again on XXXXSpoke to a Supervisor, XXXX who hung up on me. I called back again on the same day. Spoke to XXXX. Requested a copy of my XX/XX/XXXX call. They advised they could not give me a copy nor could they provide a transcript of the call. I explained the situation again and the rep. placed me on hold. Spoke to a team that said she would be able to submit the request to have the late payment removed from my credit history. Said allow about a month. I checked and it still has not been removed. Under FCRA this is considered a unfair and deceptive practice. " if a company promises not to report a late payment but does so anyway. Advising one thing and repeatedly doing the opposite of what their representatives tell me.
Consumer complaint received 2017-08-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I reached out to them in regards to getting a home loan and was told to get an appraisal 2 inspections pay the ernest and dudiligence fee which I did and they day of closing I get told by Also they are stopping the check not and I now have to find a whole new place to live since my current residence lease was up and I was told to turn in my 30 day notice because I was set to close yet the day of closing told me they could n't approve it after I have the documents telling it was approved so I spoke with XXXX she said to submit the receipts and stuff for what I spent so I could get refunded which I did n received no response so I did a BBB complaint a XXXX calls me said he has no record of the loan or anything I was stating I told him all my transactions are with usaa it 's all there he hung up on me and responded to the complaint as completed and satisfied I responded back to the complaint and XXXX reached out XX/XX/XXXX I asked her to call me back in an hour because I was at work I get an email like I stating she tried to reach out to me which was a lie she only called the one time and I answered she said she would call back and did n't so I responded to the email stating no one called me she then called and would n't let me talk kept over talking me telling me she did n't have any record or anything and I needed to send it to her which I said I would and but would want to be compensated for this as she should have it and I should n't have to keep doing the same thing over and over it was a stall tatic and we hung up she sent an email stating if I had any other questions to call her and stated things she never said so I wrote my response she called back and called me all sorts of liars telling me I was n't told what I was because no one there would tell me I would get anything back and that she called the company the errnast the to money was sent to and I needed to get it from them but she ca n't help me and I ca n't speak to anyone else she was reading notes that people left and I asked for the names she said I already had and refused to give it to me and asked to speak with someone else she wouldnt allow me to told em there was no one above here and even if I wrote a letter it was coming to her I got mad because she wouldnt stop over talking me and I said some rude things she hung up I called back she sent me to voicemail I left a message that she was incompetent at her job and I would tell a lawyer because she doesnt run USAA and I researched attorneys and came across you I hope you can help me this has been going on since XX/XX/XXXX
Consumer complaint received 2017-08-22
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: ALASKA COMMISSION ON POST SECONDARY EDUCATION (CA)

Well one student loans went into default do to the fact their were no jobs. That loan went to collections but because its a in house collection company but it is in collections I cant do anything to get removed off my credit file and its been 7+ years now ... .I have attempted to fix this problem about 3 times now and nothing .... I also have the proof in my credit file saying this loan is in house collection through your Company and that 's against the law ...
Consumer complaint received 2017-08-22
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: EQUIFAX, INC. (NJ)

# I send to the 3 credits bureau certified letter asking for proof of contract and documents the certificate the people or companies the report to them ( credit bureaus ). Have the proper documents and proof of contract. I need physical proof copy of documents. They do n't send the documents so I demand they remove any adverse information from my credit report. Because that cause a lot of problems to me to get credit buy a car or get a job. Is becoming a so unfair to me the any company the thinking to ruin my life or putting pressure on me. Use credits bureau as weapons to bring me to te point to surrender. I just want a fair treatment I 'm hard working man abuse by the sistem. the this corruption the credit bureau and this agencies have over working people is a unlawful and corrupt. Please help!! I need a proof os contract from this people I need license # s and I need all this on paper. Please if they ca n't provide the contract remove all adverse information of my credit report plus all Inquiries of my report the I get because the unlawful negative info on my credit. Thanks.
Consumer complaint received 2017-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Transaction date : XXXX2017 Card type : Visa Transaction type : Purchases Merchant description : XXXX XXXX Merchant information : XXXX, AR Offer ID : XXXX Reference number : XXXX Merchant Name : XXXX XXXX refused to refund {$74.00} to me for defective product
Consumer complaint received 2017-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XX/XX/XXXX I call Bank of America- Merrill Lynch for information on my balance owed on my VISA Signature ( Merrill+ ) credit card. The automated service quotes me a current balance on my account : {$1800.00}. So I intended to make a phone payment of {$1800.00}. When I chose the option to make a payment, the automated service quotes me the amount of {$1900.00}. This amount was not current but based off the statement datedXX/XX/XXXXXXXXXX/XX/XXXX. I received a credit from a merchant : XXXX for {$42.00} on XX/XX/XXXX, and another credit from them for {$7.00} on XX/XX/XXXX that was yet to be reflected in my statement for the following month. I was informed by Bank of America, I would receive a finance charge if I only paid the {$1800.00}, which would have brought my account to a {$0.00} balance. I had a {$0.00} balance on the previous statement. So, essentially, I would have to pay more than my current balance and have a credit of {$50.00} on my account to avoid a finance charge, even though that amount has already been credited on my account. If credits affect my current balance, then I should not be paying finance charges for bringing my balance to a {$0.00} balance. I was told by XXXX, a supervisor that Bank of America does not acknowledge credits to the account even if they are reflected in the current balance. Bank of America is misleading their customers by having their automated system state a customer 's current balance without a disclaimer stating that the full amount of the statement must be paid even if there has been a credit on the account. This racks up huge interest charges for Bank of America because the automated message regarding account balance potentially presents two different balances without explanation or instruction. What if I had bought a large item like a boat for {$5000.00} with my Visa, returned the boat due to faulty mechanism, the {$5000.00} credited to my Visa account within two days after the statement. Would I then need to pay {$5000.00} toward my now current balance of {$0.00} to avoid a 10.00 APR interest fee on my account? This is fraudulent and misleading. What right minded person would pay more than they owe when the balance is {$0.00}? Bank of America-Merrill Lynch is scooping up the millions in interest fees because they have mislead their customers to think they should make a payment based upon their current balance. Bank of America- Merrill Lynch is capitalizing on their automated services to keep customers from knowing what would keep them from paying unnecessary interest fees.
Consumer complaint received 2024-10-18
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. (IL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2017-08-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF NEW YORK MELLON CORPORATION, THE (TX)

My XXXX account was closed by BNY Mellon because of recent changes to the benefitwallet portal. I had uploaded the receipts based on the transactions that I had and as per the portal, the payout will only happen only when the account is funded which worked as expected in the old portal. For the new portal, they had asked me to re upload the pending receipts that were not paid out which I did. The new portal decided to send me funds that were not available and it failed and resulted in non-sufficient funds fee of XXXX $ and closure of the account. I called up benefit portal and they acknowledged this was an issue with the new portal ( XXXX Employee ID XXXX ). XXXX also mentioned on the call that she was not aware of this change in new portal and stated she is going to open a case and request BNY to do the below : The case number that was opened was XXXX A ) Reinstate my account B ) Reverse the NSF fee C ) Cancel the 12 transactions that were moved from the old portal to the new portal. I had no idea that benefit portal was changed and would work like a checking account based on how the FAQ clearly stated that payout will only happen once funded.
My claim was closed by benefitwallet operations director stating lack of evidence and are not willing to help anymore. There was no letter or any sort of communication about the payout procedure. The call records of XXXX will also state that all the employees of benefitwallet are not aware of this change. In lieu of this, I would like my account reinstated and NSF reversed
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ascension Recovery Management (CA)

I used to own a car XXXX XXXX XXXX few years ago. I sold it back XX/XX/XXXX to a car dealer in XXXX. Same day i logon to dmv for release of liability. New owner bought the car was given a street parking ticket and was towed. ASCENSION RECOVERY MANAGEMENT said I owe {$1200.00}. Quick I explain my story and have proof I sold the car. They agree to remove charges back in XX/XX/XXXX. It still shows open on my credit. Please remove it
Consumer complaint received 2017-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NJ)

I hope this letter will educate that its past the time for scripts in business. been with wells fargo many years this checking account originally had no charge for blue plain checks al i want and i have to fight to get it i keep getting scripted to death. i want the checks free like it was with world savings and was a perk to the crown as i am grandfatheed in with my account ending in XXXX not only do i owe money to mortgage right now but would not pay regardless. i want the checks free please. one order without a scrpts no throwing things in my face. do the right thing. i cant take the scripts or the stress. one check order free please.
Consumer complaint received 2017-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

Ref : Chase Credit Card No. : XXXX XXXX XXXX XXXX I was enticed by XXXX to get the XXXX Chase  Credit Card referenced above. I have been with Chase for around 30 years and they know where, when, and what I have purchased in the last year. They know about me more than I know about me. Several weeks ago suddenly and without warning or notification, these XXXX XXXX froze my account and would not provide any information as to why! I have contacted their XXXX customer service department several times by phone, by email, and by US mail trying to figure out why they are doing this to me. They routinely leave in my mail box on their supposedly secure service a message that they have received my complaint, has been forwarded to the appropriate department, and that I should receive a response in 48 hours. Needless to say, their XXXX  appropriate department never responds not in 48 hours.. Not ever.
When I gave up on hearing from them, I contacted you.. and you contacted them. It took them more than a month to respond to you that they did what they did because they are discriminating against me because of my national origin! Apparently, they found out that I was born in XXXX ( although I lived most of my life, was educated, and employed here in the US ) and they used that information to discriminate against me. I am contacting you to ask for two things.
( 1 ) I hope you will not act as a messenger service, and you will investigate these characters for discriminating against me for no reason whatsoever. I realize that JP Morgan Chase is a very influential powerhouse with a lot of powerful government and business connections, but that should not allow them to DISCRIMINATE. ( 2 ) These XXXX owe me {$17.00} in rewards I have earned and should be able to use. These jerks are not allowing to use the rewards points I have earned and would not respond to my inquiries and request to be given the rewards I have earned. I have been the best customer they any credit card company dreams of having ( high amount user, never been late in making payment, etc. ) and since they are so XXXX to treat me this way, I no longer want to work with these characters. Since they have been ignoring my messages, I asking them ( through you ) to close this XXXX account, but I demand that they pay me the rewards I have earned. You might also let them know that they are not the only credit card company in the country, and all the other credit card companies will be happy to take away their best ( but abused customers. ) I have high standards for myself and for the people I work with me, and Chase are way beyond the standards I expect from a credit card company. Thank you for your kind attention. Thank you for your kind attention
Consumer complaint received 2017-08-22
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SUNRISE CREDIT SERVICES, INC (VA)

I enrolled at XXXX University XXXX under the presumption that I would be eligible for financial aid for the semester I was attending, however because they failed to process my financial aid in time by the time they did, they discovered that I was not eligible for financial aid however I had already enrolled in courses and the semester and had already completed work but they kept assuring me that my financial aid would be applied after I had begun the second 8-week course in the semester. Near the end of the semester they told me they were not able to apply any financial aid to my account and that I would be responsible for paying the {$6000.00} bill and they failed me so I wont even receive the credit for all of the hard work I did all those months. Since I do not have {$6000.00}, they have now reported this to collections and it is on my credit report. I attended online XX/XX/XXXX-XX/XX/XXXX.
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This letter is a formal request to remove unauthorized inquiries from my credit report. I have n't applied for credit because I know my credit is not good due to false and wrong information on my report. I have also never had an account with you. 
Please delete all inquiries made by XXXX XXXX, XXXX, XXXX and XXXX XXXX. That is over XXXX inquires and some are for the same day.
Consumer complaint received 2024-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXXXXXX Account number : XXXX