davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

I TRIED TO get my report from free anual credit report website I only got XXXX  Report. XXXX and Experian kept saying there was an error try again later. Called XXXX and was on hold for over XXXX minutes and transferred to a recording to dispute a charge on my report but I DONT have my report! Called Experian was on hold for more than XXXX minutes! They say it will take XXXX weeks to process it and XXXX weeks for delivery!! That is not acceptable! I could loose alot if someone else is using my information
Consumer complaint received 2017-09-22
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (OR)

It was n't timely, but I did 100 % pay off my student loan debt. However, after checking my credit report it shows that I have a balance of {$0.00} but does not show that I am paid in full. I 've contact Navient via email, phone and fax and this issue is still not resolved. Even when I spoke with their customer service they stated that I do n't owe any money but I 'd have to contact another department that took care of that issue ... but they only accept faxes! I sent a fax with my the copy of the credit report and a letter months ago and have not received a response. If I 'm wrong and owe them, fine, but contact me so I may know.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I received an alert from XXXX on XXXX XXXX, XXXX that XXXX XXXX XXXX has reported that I now owed them {$17000.00}. I was confused. I quickly contacted XXXX XXXX XXXX customer service and ask them what is the current amount I owe on the loan. The customer service rep advise that I only owe {$2500.00}. I told her that they had reported to Experian that I owed $ XXXX. She was well there is nothing we can do about that you will need to file a complaint. I was like that does't make sense there is no other department that I can talk to about the error. She said no. She told me to file a complaint. So that is what I am doing.
Consumer complaint received 2017-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

Today I learned from XXXX XXXX that because my student loans were consolidated in 2010 that any payments prior to that date are not eligible for the Public Service Loan Forgiveness program. I was not informed, at the time of consolidation, that my eligible payments from XX/XX/XXXX2010 would be eliminated from my PSLF history, and I would be starting from scratch. The customer service rep I spoke to confirmed that " the impact to PSLF is not mentioned as part of the consolidation process '' and it was n't in the fine-print ( which I did in fact read ). They are clearly trying to avoid forgiving loans to those of us who are committed to public service, and that 's reprehensible.
Consumer complaint received 2017-09-22
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: EQUIFAX, INC. (MO)

Dear CFPB, I am writing you today because while reviewing my Equifax credit report ( Confirmation # XXXX ), I noticed several unauthorized inquiries being listed by Equifax XXXX. XXXX XXXX XXXX, GA XXXX, ( XXXX ) XXXX. 

The following inquiries have not been authorized by me and should not be listed on my credit report : XXXX ) XXXX XXXX ON XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX ) XXXX XXXX ON XXXX/XXXX/XXXX XXXX ) XXXX XXXX ON XXXX/XXXX/XXXX I have attempted to resolve this issue with Equifax, all to no avail.
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, I tried to take {$300.00} out of my Business account XXXX from Bank of America XXXX XXXX was located at XXXX XXXX XXXX XXXX, and was flagged. I called to see what the problem was and was on the phone for over XXXX minutes. I then went into the bank and withdrew {$300.00} from the teller however the card was still flagged. I then spoke to the XXXX XXXX XXXX we went to the atm and withdrew {$40.00} but the card was still flagged. 
Upon that transaction, my balance was {$900.00} short. XXXX informed me that a {$300.00} credit would be returned to the account after midnight but the other {$600.00} was not seen as a credit yet. She said wait to until the end of the day so waited until the {$300.00} credit was returned. 
After I called the fraud department they insisted I file a dispute and was eligible for a temporary credit for XXXX within XXXX business days. On XX/XX/XXXX I spoke to a supervisor who told me I was not eligible for the credit and would not connect me to the fraud department and said he was the fraud department. I then called the fraud department and they told me I was not eligible for the credit and that they would have to send someone to check the machine which could take 90 days. I went back to the bank on XX/XX/XXXX XXXX and spoke to the branch XXXX XXXX XXXX who told me the atm people were there to pick up the money and if the money was over it would go back into the account. It is XX/XX/XXXX and no funds. I had to pay a bill and was able to XXXX it to the client. Sat the account was overdrawn and I was charged an overdraft fee I refused to put any money in the bank for fear I wouldn't withdraw it. 
I am mentally stressed and my business banking reputation is in jeopardy because of the history of overdrawn funds. This is not my fault and the there Atm caused the flag.
Consumer complaint received 2017-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XXXX XXXX My son who is XXXX XXXX XXXX XXXX XXXX XXXX XXXX went into the Bank of America at XXXX XXXX XXXX XXXX XXXX Georgia XXXX to withdraw funds from his account. The teller XXXX XXXX XXXX XXXX and assistant branch XXXX XXXX XXXX XXXX XXXX told him " he could not withdraw the funds ", he would have to wait until the next day. The funds in question were available and did n't have any restrictions or holds on them. They were transferred to him from another bank of America account. An hour later I went back to the bank with him .The teller and assistant XXXX went back and forth about who actually said he could n't withdraw the funds. The assistant XXXX first told me it was policy, when I asked her what policy she said it was their policy. I explained to her that " any " policy they had, as an account holder I was entitled to see it. Then she stated she had to research his account and I explained her that 's the fraud department 's job not hers. Lastly she asked me XXXX times where did he get the money from which too was irrelevant. After XXXX minutes of me explaining to them their policies on deposits and withdrawals they gave him the money. 
When I spoke with XXXX XXXX who is the XXXX XXXX XXXX XXXX his explaination was he " did n't know what was on their hearts to make them racially profile '' my son. Neither the teller or the assistant XXXX were fired, suspended or transferred. They offered my son him XXXX as an apology. 
I have the entire encounter on video which I have shared with all parties involved.
Consumer complaint received 2017-09-22
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. (CA)

Navient services my repayment plans for the XXXX student loans I have. As best I can understand my repayments of this now nearly {$400000.00} student loan debt, I am in an income contingent plan for some loans, in an income based plan for others, and in an undefined ( to my knowledge ) repayment plan for still others. My total monthly payment for all loans is approximately {$880.00}, about a quarter of my monthly income from alimony and any self employment I can obtain. I am over XXXX XXXX XXXX, single, and struggle with every penny to pay for my health care and these student loans. Today, XXXX XXXX, XXXX I called Navient to ask for an explanation of the monthly {$67.00} charge labeled " unpaid fees '' on the paper bill I receive for the loans in the undefined repayment plan. Navient 's customer service rep XXXX stated that I will be charged {$67.00} every month as " unpaid fees '' until all my loans are paid off. XXXX stated that when I pay the {$67.00}, that amount gets distributed " somehow '' across my loans but could not tell me how much or for which loans. She further advised me not to pay this fee and said if I did not I would remain current if I paid {$810.00} each month.
Consumer complaint received 2017-12-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

An attempt was made to open an account at Bank of America in XXXX of 2016. They filed a report regarding the account. It was a fraudulent attempt to open the account. They verified this to me via a letter with a claim number:XXXX.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NY)

Original mortgage was with America 's Servicing Company. Wells Fargo assumed my mortgage. Prior to the transition I applied for a Hamp modification which took 3 months. During that time ASC reported me as being 60 days late which was incorrectly reported to the 3 credit bureaus. Additionally, after Wells Fargo assumed my mortgage and I was paying them direct, America 's Servicing Company continued to report me as being late on my old mortgage account/loan number. They have double dipped and incorrectly reported negative hits to my credit report.
Consumer complaint received 2017-09-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA ()

I have been trying to work with American Education Services regarding my student loans for the past few months. I have been making payments online for years under my user name created when I first had my private student loans disbursed. In the last 5 months XXXX had some sort of change or system issue in which it blocked me from being able to access my accounts online. I am told the issue is because my profile online had my full name including my XXXX at the end of my name and that my student loans in their system was just my name without the XXXX at the end of my name and that this was causing a problem. I am currently living overseas in XXXX and have been for the past XXXX years. I have been making payments online with no problem during this time, but now I have called them several times to have the issue corrected and they continue to give me a hard time and despite speaking with a supervisor a month and a half ago who promised this was corrected and I would be able to log on my account the next day to make my payments, I was still unable to. I called again today and spoke with XXXX person who said they could fix it, and deleted the other profiles and had me create a new XXXX from scratch, but continued to get the same error message when trying to log in. They transferred me to someone to make a payment over the phone to bring my account current, and then that person proceeded to tell me I need to send in passport copies to validate my name to fix the issues. The last supervisor I spoke with said this was not necessary especially given I live overseas and it is difficult for me to do so, and in 10 years I 've never had an issue before. This is due to THEIR system issues or upgrades, not due to an issue XXXX the consumer created. There is a lack of compassion or concern as well as a lack of action to resolve their internal issues. As a result I have loans which are now 90 days past due ( just brought current XXXX and 131 days past due with them threatening to default them, despite the fact that their system issue is preventing me from making my payments online.
Consumer complaint received 2017-09-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: M&T BANK CORPORATION (NY)

My account number is XXXX. 

This was a XXXX year rolling XXXX that I have had for some time. 

I learned through a letter in the mail that my XXXX which matured on XX/XX/XXXX was rolled without notice into a new XXXX year XXXX at materially below market XXXX year XXXX rate of 0.10 %. This new rate was much lower than the prior years rates despite the XXXX XXXX bank raising short term rates 1.00 % in the last year. Competing rates at other banks are in the 1.3 % to 1.5 % range. The rate provided was also below the XXXX year XXXX offered to other people on the M & T website. 

I was never informed before hand and the letter I received from M & T bank dated XX/XX/XXXX ( weeks after the roll ) and received XX/XX/XXXX ( no idea how it takes 9 days to get a letter XXXX was after the grace period to prevent the " off market '' automatic XXXX roll. 

Because of the large rate discrepancy between M & T bank and other banks it was economic for me get my money and deposit it elsewhere. This could only be done though going to a branch payment of a penalty. This was not appropriate given the lack of information and lack of opportunity to withdraw with no penalty. I was effectively forced to pay the penalty given the longer term harm of waiting a full year at close to a XXXX interest rate. 

When discussing this on the phone with the bank and with the branch representative, they both assert that I received a letter to my home prior to the XXXX maturity which included the terms of the automatic roll. I never received this letter. Additionally it seems that if the impact of doing nothing and letting the older 1 year XXXX automatically roll into a new 1 year XXXX at an " off market '' rate, proper initiative is needed to make sure customers are aware of what is happening. 

Explained this situation to their customer service and to the branch representative but was still forced to pay the early withdrawal fee
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX  XXXX Account number : XXXX Balance : {$380.00} XXXX XXXX XXXX Account number : XXXX Balance : {$3200.00} ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account number : XXXX Balance : {$180.00} XXXX  ( Original Creditor : XXXX  ) Account number : XXXX Balance : {$3200.00}
Consumer complaint received 2017-09-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (NY)

This collection agency by the name of XXXX XXXX XXXX currently has a debt under my name from American Express. I called on X/XX/2017 at XXXX to make a deal on paying this account in full and spoke to the Manager who did not reveal his name. I asked him if I had the option to pay this account online or via phone by making partial payments. He told me I did not have the option to pay the balance I owe online and that I had to make a one-time lump sum payment through the phone. I tried to reason with this agent and told him that I was only able to make partial payments towards paying off the balance but once again I was unsuccessful in coming to a convenient and reasonable payment arrangement. I ended the call by thanking him.
Consumer complaint received 2017-09-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

Dual tracking with ShellPoint, never got back asking for more docs going over multiple times, complete packets gone in. Still setting sale date and proceeding been sold over and over and I have Been trying to resolve since XXXX. No court action from XXXX while turning in modification packs
Consumer complaint received 2017-09-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BlueChip Financial (KY)

On XXXX/XXXX/XXXX, I had an amount of {$170.00} taken out of my account by XXXX XXXX XXXX. I called them to have the charge reversed, but they threatened legal action over an overdue payment of {$250.00}. They threatened to have papers served and to have me charged with fraud.
Consumer complaint received 2017-09-22
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: EQUIFAX, INC. (TX)

Equifax did not take basic precautions to safeguard my personal information. As a result I have to freeze my credit at all known credit reporting agencies and with check vendors out of an abundance of caution given that my personal information was compromised in the security breach. Their cavalier attitude towards network security and safeguarding private information seems criminality negligent and their response has been devastatingly, bordering on comically, insufficient. Pointing people to a phishing site for more information on the security breach? Really?!??!
Consumer complaint received 2017-09-22
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: Fidelity National Information Services, Inc. (FNIS) (CA)

I am sick and tired of having to spend so many countless hours trying to fix the mistakes created by both ChexSytems and XXXX XXXX XXXX. I am a XXXX Citizen ( Attached Proof ). I have attached a copy of a XXXX that I intend to file if ChexSystems does n't remove the negative/inaccurate mark from XXXX XXXX XXXX. 

Final warning.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (NV)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

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 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I have been trying to achieve a copy of my Equifax credit report and place a security freeze after the Equifax data breach since XXXX XXXX, XXXX. I have n't got any success in getting a response through several phone call attempts and online requests. This is truly frustrating experience. It seems like Equifax completely stopped answering to any concern in this regard.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

Ive been waiting for my report to update since XXXX. I keep getting an error message everytime i try to access my report. They also direct everyone to input the last 6 digits of our socials on a phony site. I found out on the XX/XX/XXXX that my info was breached. I have yet been able to speak to any one due  to the busy phonelines. I submitted a dispute with them and can not view the results online. They finished my dispute within days of recieving my letter which im sure ill be filing another complaint about that because the info i was requesting needed more than 5 days to collect.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LEXISNEXIS (FL)

Amazing I receive a " report '' from Lexis Nexis implying I requested a copy. Their opening states " We were unable to locate your file with the information provided? '' Strange since they attached a number of reports. The FACT is they provided a report to XXXX XXXX XXXX which I distinctly advised the XXXX XXXX NOT to Process! That unsolicited of XXXX resulted in a rejection based on XXXX XXXX data- even stranger. So just what is it they can not comprehend? 1- I never solicited anything 2- They themselves state they need more information- 3- So why did they provide anything to XXXX- 4- why ca n't they locate us when the reports they submitted to use show driving data. 5- Evidently they can not or could not access our credit files so why would XXXX reject us outright?