davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

Took a a parent plus loan for my daughter back in XX/XX/XXXX and I was given the option WHILE she 's in school to have it deferred, she was in school for XXXX years and little did I know having this deferred that the interest charges were being added to my loan. I had like XXXX or XXXX loans out of the XXXX years. XXXX then told me consolidate all the loans into on which I did and all the interest were also added on to the consolidation. The loan kept growing as I did n't know why, back in XX/XX/XXXX I was told I had to consolidate it again from XXXX to the new loan company Navient, there was more interest added on to my loans to where it is now at XXXX my payments were extremeley high and I kept calling them and letting them know I could not afford these high payments and also asked them if they can lower the interest rate, I 'm thinking maybe my payments will be lower if they lower the interest rate of XXXX %. again I was told NO they ca n't. I have pleaeded on the phone with them and made them aware I ca n't pay so much. No one would listen. Last year I was talking to someone in customer service and they suggested I file for the income-driven repayment plan, which at the time sounded good, little did I know I was going in further to the hole, the hole I can not get out of, anywasy the dropped my payment to {$610.00} and to find out they were tacking on {$1100.00} a month on interest that is why my loan balance now is SO HIGH. I wish I would have been educated on how these loans actually work, had I known that putting your loan on defferement was going to hurt me and my credit I would have never done this, I would have made payments from the very start, and also when I had to do the consolidation they offer that I put my loan on hold for XXXX days while making arrangements will all the documents and such well yes more interest, this is so wrong. I need help, I do n't know what to do anymore. I am giving my money away to this company Navient and my balance is growing, I was also told that at XXXX years of making these payments my loan was going to be forgiven. Does this make sense? Forgiveness? My duaghter went to XXXX schools the first XXXX being XXXX, XXXX, CA and the XXXX XXXX. 
XXXX
Consumer complaint received 2015-10-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX I deposited XXXX checks via mobile banking from the same person - {$250.00} and {$1300.00} ( rent ). 
On XXXX, there was a reversal on the {$1300.00} deposit - which I was not aware of. Therewas no notice via mail/email/text - NOTHING. 
On XXXX, I found out about the reversal only by chance to review my account. 
I called, no one can figure out what happened. Only after I called, the bank sent a letter. 
On XXXX, received the letter. stating that the check was refused due to " duplicate presentment ''. I immediately confronted the person writing the check, she showed meon her mobile banking that the check cleared and check copy was identical to whatI have on hand and no money was being deposited back into her account. 
I communicated this to Bank of America and they kept insisting that they did not get paid, therefore they are not putting the fund back into my account. They told me to get theother institution to provide backup showing proof that they paid Bank of America. 
On XXXX, I received a backup ( attached ) and faxed it over to Bank of America. 
The other institution ( XXXX XXXX XXXX ) stated that they paid Bank of America andthe backup provide a trace number that Bank of America would be able to track. 

I had been calling every few days since XXXX, but nothing came out of this other than, '' get the other institution to prove to us that they paid us. " I could not get anyone at Bank of America to go beyond the phone call and actuallydo a research and give me an update. 
In the meantime, I do n't have the {$1300.00} in my bank and the other person is already out {$1300.00} out of her bank. Someone has this money and not fessing up. 
This money is for rent and being a homeowner having to pay for mortgage with norent in the bank is very tight. 
Bank of America did return the {$12.00} return fee, but it does not compensate for the time I had to spend calling ( numerous calls ) and the other person having to take days off workto take care of this at her local branch. 
Today is XXXX and nothing is resolved.
Consumer complaint received 2015-03-25
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Nations Recovery Center (GA)

My XXXX XXXX XXXX daughter has a credit card debt that went to collections. This debt collection agency contacted her. She gave them permission to work with me on this. They called me and I told them to email me a proposal, and almost immediately after they emailed it they began calling me again. I emailed them to stop the phone calls to my daughter, me or any of her friends or relatives and that we could continue to work together in writing. I also asked that they validate the debt. They pressed to have payment of over {$1200.00} by the end of the month, which at the time was 12 days. I told them that was not possible and I needed a more reasonable payment plan. He sent me back something that had payments totaling over {$2500.00} at {$210.00} a month, with XXXX payments in XXXX. I countered that he had XXXX payments in XXXX, and I offered to pay XXXX even payments of {$320.00}. He said that he only got approval for the settlement if I paid it by the end of the month. I told him that may be but it was his issue that he went to his client with a proposal that I never agreed to. I said I suggest you take this to your client.. He said he would. This was yesterday, XXXX XXXX. I have not heard anything back from him. Today, XXXX XXXX, I get a phone call from XXXX XXXX with their company saying she wanted to get a final on this. I said you are not supposed to call me, and I am very busy. She proceeded to talk over me while I was asking her to validate the debt for me, she told me she would not call me again, and since she was talking over me, I could n't understand what all she was saying, but she said something about I 'll tell you what I 'm gon na do, and then I did n't hear anymore because I was asking her to validate the debt. I want them to validate this so that I can make a reasonable offer. I will pay what my daughter charged and a reasonable amount of interest. I need to see the statement so I can offer a fair settlement. They are unwilling to do this.
Consumer complaint received 2015-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (NY)

This all started back in XXXX 2014. A collection agency, XXXX XXXX XXXX, reported to XXXX and claimed I owed XXXX from XXXX. I have not had XXXX service in several years. To ensure, I contacted XXXX and verified my acct was closed in good standing and was never sent to collections. They also confirmed my information was not used to open any accounts after my account was closed, which would theoretically rule out identity theft. I submit a dispute with XXXX and it gets removed almost immediately. Great! 

Two months later, I got to apply for something and get denied. Check credit report and a new collection agency by the name of DIVERSIFIED has this so called debt now. I submit another dispute with XXXX and after they went through their investigative process, they removed it as well because the Collection agency could not verify the debt. 

During the investigation, DIVERSIFIED could not verify the debt and sold of the debt to a new collection agency, XXXX XXXX That new collection agency is now looking to collect on this false debt. I am sure after I submit letter of verification, they will attempt to sell it off again. 

My concern is that I will be in this loop for ever. XXXX claims they can not do anything because every time it is sold to a new Collection agency, the acct numbers change. 

Is there anything I can do?
Consumer complaint received 2015-10-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Grant Mercantile Agency (AZ)

I called Grant Mercantile Agency debt collector to verify company since I never received a bill for this amount from XXXX XXXX XXXX. I have received and paid other bills that have come in the mail from XXXX XXXX XXXX. When I asked for the company license number I was put on hold and then told I was n't allowed to have that information.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-03-02
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America said they sent me a form to fill out, a XXXX form. I never received this. Well, I tried to log in to my account to see if I had a balance, and it was blocked, so they told me I had to fill out this form, giving me instructions to go to the IRS website. I did, I filled it out, and I faxed it to them. So then I called customer service, and they did reinstate the account. They said I had to do this because they could n't verify my SS number. Well, I see that they did a hard hit to my credit report!!! They never said they were doing that ... if I knew that I would not have gone through this!! It 's terrible! I want them to take that off of my credit report, as I have an inquiry from them when I originally opened this account!!!
Consumer complaint received 2015-11-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (FL)

From XXXX or so of XX/XX/XXXX I had noticed on my XXXX XXXX XXXX bill that there were XXXX to XXXX extra lines added. I called and was put in touch with the Fraud department through XXXX XXXX XXXX. It was investigated and the lines were fraudulently added out of Louisiana. All charges erased/cleared. 
I receive calls and letters from ( XXXX ) XXXX XXXX XXXX about {$2200.00} being owed. I explain and they still say I owe this money. Then after another notice from ( XXXX ) XXXX they try and collect this same amount, I explain once again. Then I call XXXX back, they inform me once again I do not owe anything to them and to file a complaint with the FTC, in which I did in XX/XX/XXXX. Ref # XXXX I did not hear anything back untila notice from ( AFNI ) on XX/XX/XXXX trying collect his same amount from XXXX XXXX XXXX XXXX. I called AFNI myself and explained the dispute and the history of this ( mystery ) debt and that I had filed a complaint with the FTC on this and was doing so again today XX/XX/XXXX They transferred me to a XXXX XXXX who would work my dispute at # XXXX. In which I called and left a message concerning this FRAUD. 
I called the FTC today and they transferred me here to file this complaint. 
I am at my whits end dealing with the threats of collection, threats of damaging my outstanding credit on something that is not so, according to my carrier XXXX XXXX XXXX of whom I have been with for over 10 years.
Consumer complaint received 2015-08-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (NC)

A repo guy was sent to my house for a car the repo man called me a XXXX, a XXXX, XXXX! I tapped on his truck to tell him he needed to leave due to him being rude to me. When i did that he opened up his truck door and jumped at me and said XXXX i should XXXX! I told him to leave or im calling the law. He told me he will watch me every where i go.i would have given him the car until he started calling me names and jumped at me as he was going to jump on me. This is concedered breach of peace. The car broke down XXXX weeks after i bought. it. The engine has locked up in it. The cost of a new engine will be {$3900.00}. I have been unable to work due to this problem and my husband is XXXX. The guy told me i was lazy which is not true. I would love to go to work if i had a running car.
Consumer complaint received 2015-09-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

first all of the major credit reporting agencies are reporting wrong information on my reports. they are incorrectly reporting wrong personal information, wrong account information, and credit inquiries I never applied. I have disputed all of these items, have sent all required information such as driver 's license, social security card and utility bills. 
a day or XXXX later I receive the same email asking for the same identical information. I faxed the same over and over. the fax confirmation tells me the fax went through " ok ''. 
I have not been able to get my credit reports for the last XXXX years because they either ask for information that I have no idea about, or they tell me I am not eligible to receive my free annual report. I had to file for bankruptcy due to i.d theft, at which time they finally let me get a free credit report. I had a fraud alert on all of my bureaus prior to the I d theft, but yet someone was able to obtain fraudulent credit in my name and I was never notified. I asked the bureaus back then about this and their response was we did n't have the correct number to call you. if this was the case then credit should have never been granted. 
these credit reporting agencies are nothing more than a criminal element govern by finance companies. these credit reporting agencies should be investigated and penalized for violating people 's rights to contract as per the " fair credit reporting act ''
Consumer complaint received 2015-09-08
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (CA)

On XXXX/XXXX/15 I ordered the Equifax 3-Bureau Credit Report and Scores at the advice of my potential mortgage broker to see if there was a chance that I would qualify for a loan before the broker pulled my scores. He advised this so that I would not have a hard pull on my scores unless there was a chance. I ordered the product above to get the scores from all three major credit bureaus. My scores were Equifax - XXXX, XXXX - XXXX, and XXXX - XXXX. Upon advice from my creditor I applied and he pulled my credit to do a per-qualification. When he received my scores, they were Equifax - XXXX, XXXX - XXXX, and XXXX - XXXX. I was in shock when the Equifax score was almost XXXX points lower than what they quoted me when I paid for the scores. Outraged, I contacted Equifax and they replied that the credit scores they sold me were for education purposes only. ( See attachment ) I did not pay for an education ; I paid for my true credit scores. Now I have a hard hit on my credit under inquiries because Equifax lied and outright misrepresented selling me, AND OTHERS, a credit score that represents NOTHING and is false. Moreover, the credit score that they sent my creditor was damning to my request for a loan and XXXX to XXXX points lower than the other agencies whose scores were only XXXX points different. Equifax should not be allowed to indiscriminately post scores that are so far skewed from other major agencies. It is as if there is absolutely no regulation, accountability, or accounting of the scores they post ; scores that can cripple consumers! I am a veteran. The VA takes care of us, but who regulates the credit bureaus? Obviously no one. If they are going to market these fictitious scores then they should be mandated that they have to BOLDLY warn that these scores are not even close to the real FICO scores that consumers really need to know, NOT some fictitious score misleadingly referred to by them as EDUCATION. Equifax 3-Bureau Credit Report and SCORES is a scam based on fraud when they fully know people need to know their true FICO score.
Consumer complaint received 2015-07-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

To whom it may concern : Our complaint is about Chase bank. We tried to make payments towards our balance to Chase Bank XXXX XXXX, 2012, but they would n't except the payments. Chase Bank expected us to make the full payment of {$21000.00} in which we did not have. This amount would have been the remaining amount due towards our 30year mortgage.
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

My complaint is against the credit bureau Experian. Several attempts have been made to all XXXX credit bureaus in an attempt to have a negative item removed. Experian has signed the receipt for certified mail and I have sent them my request for Experian to investigate my dispute by regular mail and have received no response. 
They have repeatedly failed to properly investigate my dispute and I have provided more than enough documentation to prove my claim is true and accurate. Had Experian seriously investigated my claim, they would have found the proof of the error is in the credit report itself. 
In my credit report in the " Closed Account '' section, there is an account with XXXX ( XXXX ). The information states ; ACCOUNT OPEN XXXX/XXXX/XXXX, LAST PAYMENT XXXX/XXXX/XXXX, CLOSED ON XXXX/XXXX/XXXX. 
XXXX XXXX XXXX acquired the debt at some point and fraudulently re-aged the debt. On the credit report, they have FALSELY reported the following ; Account ( XXXX ), DATE OPEN XXXX/XXXX/XXXX, DATE OF FIRST DELIQUENCY XXXX, DATE OF FIRST MAJOR DELIQUENCY XXXX. 
Experian is in violation of several Federal Laws and has neglected to properly investigate my claim. From my understanding of Federal Law, Experian is obligated to do the following ; Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. 
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Consumer complaint received 2015-11-01
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

my loan was transferred from XXXX XXXX to Bayview loan on XXXX/XXXX/2015 and from the beginning there was problems with their accounting for crediting me with previous payments to my former XXXX XXXX. Finally after months of exchanging paper work I finally had an apology from Bayview Loan saying they made a mistake and would rectify my account which they did, but now it is starting all over again. On XXXX/XXXX/15 I received an annual escrow disclosure statement saying there would a shortage of {$46.00} and if I made a lump sum payment ( which i did on my XXXX/XXXX/15 mort. payment ) my new monthly payment would be {$1400.00} instead of my previous regular amount {$1400.00}. Now i received an amount due on my XXXX/XXXX/15 for {$1400.00} because they never credited my lump sum payment of {$46.00} on my XXXX/XXXX/15 payment. On Bayview Web site I payed my amt. on the due date XXXX/XXXX/15 and they posted on their site as XXXX/XXXX/15, but now they say they received it on XXXX/XXXX/15 which makes me late by six days. On my XXXX/XXXX/15 payment Bayview only deducted {$180.00} off my principal amt. when it should be {$540.00} according to their statement dated XXXX/XXXX/15 with my extra {$100.00} to principal. Some thing is wrong!
Consumer complaint received 2015-10-15
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: TD BANK US HOLDING COMPANY (TX)

MY PROBLEM BEGAN AFTER I DISPUTED ACCOUNTS ON MY CREDIT REPORT. I DISPUTED THE DATES SHOWN. I LOST ALL DISPUTES SAYING THEY MET THE STANDARDS. I KNEW ONLY WAY IT WAS POSSIBLE WAS IF THEY FALSIFIED THEIR RECORDS. I ORDERED SEVEN ( 7 ) YEARS OF MY BANK STATEMENTS TO MAKE SURE I WAS CORRECT ON MY DATES. I WAS THEY SHOWED NO PAYMENTS MADE ON DATES THEY CLAIMED OR ON ANY DATE IN LAST SEVEN ( 7 ) YEARS. EACH TIME I DISPUTED THE ACCOUNT DATES CHANGED. AT THE END THE OPENING AND LAST PAYMENT DATES WERE CHANGED FINALLY SHOWING ACCOUNTS WERE STILL OPEN WHEN ALL WERE CLOSED FOR YEARS.. THE COMPANIES THAT BOUGHT MY CHARGED-OFF ACCOUNTS REPORTED NEW DATES AND ACCOUNT NUMBERS XXXX ( XXXX ) XXXX XXXX account turned into XXXX ( XXXX ) .I wrote XXXX XXXX got no reply but accounts changed from write off to no missed payments and XXXX showed right dates of last payments as XX/XX/2006. same with XXXX XXXX ( XXXX ) was good XXXX ( XXXX ) bad there was only XXXX ( XXXX ) account these accounts appear three ( 3 ) separate times
Consumer complaint received 2015-08-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (AK)

I have sent them " comments '' that they allowed me to send but they do not ask for my email so they obviously will not attend to it because they have no way to reach me. I gave them my SSN twice and I am concerned that they are legitimate. They are annualcreditreport.comthank you.
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (AZ)

my new telephone number is XXXX and equifax refuses to update it and creditors have denied me based off the inaccurate fraud number they have i can not provide a phone bill because i have a prepaid account with no bill. my ssn XXXX dob XXXX/XXXX/1976 address XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AZ XXXX I NEED MY NEW NUMBER LISTED ABOVE UPDATED ASAP