davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-26
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: Experian Information Solutions Inc. (OH)

I sent a letter to  XXXX  requesting to have several credit inquiries removed that were not mine, The credit bureau just sent me a letter stating the definition of what a credit inquiry is.
Consumer complaint received 2017-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On  XX/XX/2017    approx.  XXXX  est. I spoke with a Customer Service/Sales Representative with Bank of America. I was initially looking for t he Human Resources Depa rtment, but the Representative that answered the phone sold me on a credit card. I was approved for a credit card limit of {$10000.00}. Several times throughout the call I emphasized to the Representative I only wanted a credit limit of {$2000.00}. Now a week later I look at my balance online and of course it is a {$10000.00} limit. The Representative did the exact opposite from what I requested for her financial benefit. I will be in the market for a refinance before the end of the year and want my debt to income to be as low as possible so I can qualify for the best loan. I know for certain this was no mistake because I reminded her numerous times and even told her I did not want a {$10000.00} limit. I have several accounts with Bank of America and should be able to trust them to do the right thing for their loyal customers.
Consumer complaint received 2017-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have sent letter after letter and filed dispute after dispute on a few items on my report to Transunion. Every incident they are reporting that the dispute remains because it was verified by data furnishers.     I have sent letters to request proof of their verification process and to send me a copy of the proof bearing my signature that the account belongs to me that these data furnishers have provided to them that makes them refuse to correct the disputed error.
Consumer complaint received 2017-08-14
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (OH)

My husband and I were in the market for a new vehicle. We decided to go to our local dealership XXXX XXXX. The loan was secured by XXXX XXXX. We decided that we wanted to obtain the loan in both of our names in order to rebuild my husbands credit. We were told only by a miracle they were able to add my husband to the loan but the tier would go up causing the payment to go up as well. We agreed to the terms and moved forward with the lease. XXXX 2017 we were going to trade his car in and went back XXXX XXXX to secure a loan. My husband andd I again wanted the loan in both of our names. We were made aware that my husbands credit was not good enough to do that and that he was never added to the previous loan. When we inquired about it we were told that it was not the dealerships issue and that was the fault of XXXX XXXX. However our payment was increased for no reason for those 2.5 years. They then offered that for the current lease that he could be added for an additional fee. We agreed again. Additionally we never received our loan paperwork nor our manual. When I called XXXX XXXX on another issue, I was advised by the lease termination manager, that my husband was on the original loan and that it was just not reporting to the credit bureaus and then placed a request for this to report. So now my issues are the inconsistencies. I am concerned that I have or are currently overpaying on my loan. Additionally how much have we overpaid in obtaining new credit due to the incorrect credit score? This my 4th car with XXXX XXXX and I am concerned that I am being taken advantage of. This has caused material damage and is unfair.
Consumer complaint received 2017-08-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

Last XXXX, XXXX, I talked to Navient about lowering my monthly payment because I could n't afford the {$280.00} a month they wanted me to pay. They could only lower it to about {$230.00}, which was still too steep for me. My thought was to give them XXXX XXXX dollars a month but even then I knew that they would be able to sue me so I contacted a lawyer. I had two loans taken out with Navient. I received paperwork from them regarding both accounts and even litigation notices, which I turned over to my lawyer, XXXX XXXX. In XXXX of XXXX, they had come to an agreement to have me pay Navient 's attorneys {$150.00} a month until the loan was paid off. The amount of the loan total is {$4200.00}. What I did n't realize at the time was that this amount only covered one of my loans, not both of them. I never received any other paperwork from them about the other loan and did n't think anything of it. On XXXX XXXX I was served paperwork from the court of common pleas for the other loan in the amount of {$20000.00}. I immediately contacted my lawyer and faxed him the paperwork ; I did not hear from him for several weeks so I finally contacted him on XXXX XXXX to see what was going on. He told me that this was a new complaint all together and that I only had until XXXX XXXX to make a decision. I was curious as to why he did n't let me know before hand about this and why I had to contact him. They managed to get me an extension until XXXX XXXX, but either way I do not have the money for them. I can barely afford to give them {$150.00} a month. Plus I 'm curious as to why both loans were n't taken care of at the same time and why I did n't receive any paperwork about the other loan, just a court summons.
Consumer complaint received 2017-05-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revenue Assurance Professionals LLC (MS)

I have sent a tota l of 4 req uest for verification letters to  Revenue Assurance o r Consolidated Recovery Systems. After filing a CFPB complaint a few weeks ago I finally received a response back from the agency explaining that they were sending mail to   XXXX   XXXX     instead of  XXXX , although my correct address was typed on all  four le tters and written on every envelope. Furthermore, I called to give the correct address and requested that they print out the documentation on Wednesday and I would pick it up. However, I was unable to pick it up and they mailed it to me and I received it yesterday,  XXXX / XXXX / XXXX . The " verification '' is  a one s heet document outlining services and fees incurred with  XXXX   XXXX , a name that I have not used since  XXXX  before I was married and my previous address. However, it did not include any other identifying information. I attached documentation that I received from Revenue Assurance or Consolidated Recovery Systems verifying that the documentation I received does not meet the requirements to validate the accused debt. This debt has been removed from all other credit reporting agencies because the debt could not be validated.
Consumer complaint received 2017-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: RABOBANK, NATIONAL ASSOCIATION (CA)

I am waiting this letter in regards to questioning Rabobank standards and procedures when dealing with a claim I made on   XXXX   XXXX  2017    that I was a victim of check fraud in the amount of {$1100.00} dollars. I spoke to Bank  Manager   XXXX  face to face, without any proof or solid evidence she made a claim in quote " that should have been more responsible with my account, and not deposit fraudulent checks. '' I have been a loyal customer to Rabobank for ove r three years and as a Veteran I  was extremely offended that my Integrity would be the first thing in question. Not only do I have copies of the fraudulent checks but I have the email I sent out to Rabobank when this crime was taking place and the transaction was still pending I was able to contact the online banking department to cancel my debt card and close my online account. the result 's of the incident caused with to close my account with Rabobank and landed me on bad terms with companies that I had direct payments from my account.
Consumer complaint received 2017-05-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I wrote  XXXX , Equifax, and  XXXX  in  XXXX  asking for help. They have not answered me. I filed a complaint and put down a friend I know who does free advocacy work for people needing help with credit. The response was the  3rd party  is not authorized.   Whatever. I am resubmitting this myself, no help from anyone. I do not understand why they just are refusing to help me. I know if they truly look at my issues they will find errors. I am having the same issue with the other  XXXX  credit bureaus. That 's collusion against me.   Is n't this illegal? Is not all of this illegal???   Please help.
Consumer complaint received 2017-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (PA)

I am disputing the delinquent balance on my home loan due to money mismanagement on the behalf of my loan servicers.   I n   XXXX   XXXX   XXXX  , I re ceived a loan modification from   XXXX   XXXX   XXXX   .    The loan modification agreement was to change my home loan from an adjustable rate to a fixed interest rate.   I n   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX    was now the new servicer and I was making my payments of  XXXX  which was for principle and interest. I was responsible for paying the real estate taxes and homeowners insurance separately.   On  XXXX   XXXX ,   XXXX   XXXX   XXXX    started charging me a fee for the city taxes. I disputed the charges with   XXXX   XXXX   XXXX   and the   XXXX   XXXX   XXXX   . I continued to make the required payments of  XXXX .      XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   started sending me checks for different amounts. I sent the checks back to   XXXX   XXXX   XXXX   with a letter stating their error in posting my payments in a timely matter. This went on for two years.     On   XXXX   XXXX   XXXX  ,  I received a letter that   GreenTree will now be the new servicer.
Once Greentree received my loan, I started being harassed by their collection department calling stating I was delinquent and dem  anding that I send a check to bring my loan current.   On     XXXX   XXXX   XXXX  , my loan went into foreclosures status.
I continue making my pay  ments but they were never credited to my home loan.    Greentree held my payme nts form  XXXX  to  XXXX  and the money was never taken from my banking account.    GreenTree d id return all of the payments that they held. When I spoke to a representative, I was advised to stop making payments unless I make a large payment to bring my account current.   I had no communications with the servicer.
Consumer complaint received 2017-07-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Premier Student Loan Center (AL)

Received a call from Premier Student Loan Center saying they could defer my student loan payment totals and consolidate my loans. I think it is a scam because I tried calling to cancel and opt out, which I was told I could do at any time, and the people answering the phone would immediately hang up on me when I would ask to opt out.
Consumer complaint received 2017-07-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had disputed with Bank of America for over a year the fact an account that had been closed, charged off and issued a XXXX for ( and filed and paid income tax on ) no longer had a balance owed but was still reporting as having a current balance due. In XX/XX/XXXX BofA finally confirmed in the attached letter that there was no remaining balance owed. The reporting was corrected on the three credit bureaus and I thought the issue was over. In XX/XX/XXXX I was declined credit and it referenced this account showing the old balance again showing due. I disputed again ( through the CFPB ) and received another letter ( attached as well ) indicating that the reporting was correct and referenced that the prior XX/XX/XXXX letter stated that as well ( IT ACTUALLY STATES THE OPPOSITE ). I have called and left phone messages and emailed the representative on the letter and received no response. Ironically I did receive the attached survey request from BofA regarding a return call I never received. My attorney has since written a letter ( see attached ) and has received no response as well. While he decides what to do next on his end, I am sending this additionally as an addition means to correct this issue.
Consumer complaint received 2017-05-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AAA Collections (SD)

The company known as XXXX XXXX XXXX in XXXX XXXX has been harassing us daily with phone calls to pay them what is owed for a medical debt. After sending them a payment of {$100.00} a month for the last year ( I am fully aware that I was past due but was finally financially able to start making payments ) they have been calling me and my wife twice a day but sometimes waiting a day in between to call us but they do attempt both of our phone numbers usually with an hour of each other. Most of the time their allegations are that if we do n't start paying more than {$100.00} we will be force to take legal action and if we do n't get set up on their " minimum automatic withdrawal program '' " we will continue to call you until we get this set up '' even though we have paid them already for that month. As a consumer being " Bullied '' into an automatic withdrawal program when you are already paying someone does not sound to me a like a good or fair business practice. We finally agreed ( forced by legal letter that if we do n't start making the payment of automatic withdrawal of {$180.00} a month we are taking legal action ) to set up an automatic withdrawal. I have requested that since our verbal agreement of payment plan, that they provide me with documentation of our agreement, of which they refuse by stating " It 's not our policy to provide that information! ". This company has been one of the most vicious debt collecting agencies I have ever been forced to work with. They have on multiple occasions brought my wife to tears and have caused my XXXX XXXX to rise because of their unethical treatment of the consumer. I will admit I have had to raise my voice on multiple occasions with them to try and get the m to stop calling on my work provided cell phone which after finally threatening legal action due to the laws set in place by my state that they finally stopped calling my work cell phone. However they continued to call my personal phone during my working hours of which I have asked them to call after XXXX Central time, again no compliance from them. The amount of mental anguish this company has continued to thrust upon us has cause much undo stress on my family and our relationship. Once again I am asking for legal documentation of the agreement we have set up so that I will have evidence that they will take no further action. here are just some of the most recent dates they have called but have n't left a message : XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX.
Consumer complaint received 2017-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Nationwide Financial Group (FL)

I open an account with  Nationwide  Bank on  XXXX   XXXX , in  XXXX   XXXX  my daughter received a check for  XXXX  dollars from her taxes, I place the check on my account. The bank cashed the check and frozen my account. I sent them all requested paperwork, proof of address, my completely life to the email provided, and asking to please open my account to be able to withdraw my daughter money or to reverse the transaction to the original check sender. My daughter lost the  XXXX  tax money return. On  XXXX   XXXX  they reopen my account and I find they taken $  XXXX  monthly maintenance fee for the account, for about 12 months, I sent to my daughter via bill pay {$1000.00 } (  same name on the original check cashed by the bank ) they frozen my account today, again and start asking for the same paperwork I s ent one year ag o. I promptly sent all to them including the original check in my daughter name copy. Nothing at the moment, they have my money about  XXXX  in hold. These people are thieves, they account said they accept third part checks, I never overdraft this account. I need to recover my money, I do n't have money for hires a lawyer. Every time I call they told me I will receive a response within 2 days, is not true, the last time they told me that the bank keep my money in hold for 12 months!   I sent them my address proof, citizenship proof, the original check images, in my daughter name, also I have all correspondence via email from and to the bank.   Please help me!
Consumer complaint received 2024-08-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC (AK)

I talked with an CFPB agent today XXXX of your XXXX office and give her all of the information. The prior CFPB complaint shoud not been closed, The other party attorney XXXX XXXX commiting XXXX on my wife and I. The XXXX XXXXXXXX loan we payed on time for XXXX of the last 40 years. we are being XXXX XXXX as XXXX XXXX XXXX couple with XXXXXXXX XXXX XXXX XXXX  who are being Prayed on my XXXX attorney XXXX XXXX, XXXX, and Judge XXXX who has dismissed all the discovery evidence which proved XXXX case against XXXX  XXXX XXXX XXXX, XXXX, that the sale was reversed by Loan Care. The XXXX attorney offered our home our 60 years that was paid a chance to buy for {$350000.00} offer he says he drop at minute. The XXXX XXXX has ruled every point in XXXX XXXX and LoanCare favor and suppressed All evidence. The Judge is polical hire by Govenor XXXX XXXX with XXXX Alaska XXXX, Thank you
Consumer complaint received 2017-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Bank of America account was charged a {$35.00} fee on XXXX XXXX 2017 for an overdraft of {$170.00} on the same date which brought my account to a negative balance of - {$210.00}. On XXXX XXXX 2017 the account was still overdrawn for that amount when I came in as I always do to cash my paycheck of {$710.00}, expecting to pay off the negative balance and take the rest out in cash, but the representative told me she would be unable to cash my check. I explained that this is unusual and asked why and she replied that it was the system not allowing me to cash the check. The best she could do was give me {$200.00} of my check. I said no thank you I will go cash it else where out of frustration for no being able to have access to my money as I needed the funds so I choose to the other local branch just down the street.Unfortunately it was just closing but I had the opportunity to speak with a representative who said the end of the business day was XXXX XXXX for those ATM at the branch, so if I did not want to incur an other {$35.00} extended overdraft fee I could still deposit my paycheck which was important to me as well. So I chose to deposit the check and had then expected to be allowed to use {$200.00} of my check deposit and instead falsely stated I had {$300.00} available now of which $ {$60.00} was the only amount I managed to withdraw. When went online to get a better idea of what was going on since the receipt would not show my available balance and why the bank held funds that are usually treated as cash I found nothing to justify it. The only transactions at the time was the same as it I was required to pay as I did on the XXXX of XXXX 2017, and could have been deducted immediately after deposit my check via ATM or even by phone as long as it was before XXXX that day. My online Bank of America account stated on XXXX XXXX 2017 a deposit for {$710.00} was made of which {$300.00} was availble now and {$410.00} was being held as credit pending to cover items posted on the XXXX XXXX 2017. The account reflected a {$300.00} credit to my account which should have been avail now and was not. I believe I should have been able to cash my paycheck as always. After bringing the account out of negative status should I have received the remaining portion of my check ( {$490.00} ) if there was nothing else that could have been pending at that time as there was no existing transactions or any type of authorizations from the time of the overdraft date and had no reason to prompt such a hold.
Consumer complaint received 2024-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX