davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I have a business account with Bank of America and I am the legal representative. On XX/XX/year>, at XXXX XXXX, I went to make a deposit at an ATM while visiting my sister. I mistakenly deposited the money into a XXXX XXXX  ATM. I inserted my Bank of America card, which the machine accepted and read, allowing me to proceed with the deposit. I deposited {$4900.00} in cash, but instead of canceling the transactionwhich would have been the logical actionthe ATM retained my money and issued a receipt. The receipt was in XXXX, my first language, and stated that an error had occurred, and that the funds could neither be credited to my account nor returned. It instructed me to contact my financial institution using the number on the back of my card, and thats where my nightmare began. 
I went in person to the XXXX XXXX branch where the ATM was located to seek help. Their response was that I needed to contact my bank to file a dispute so they could facilitate the transfer of the money to my account. I then called my bank, Bank of America, and was told they could not assist because the issue was with a XXXX XXXX  ATM. When I contacted XXXX XXXX again, they told me it was up to Bank of America. After more than XXXX calls on the same day, I decided to visit the XXXX Bank branch in person at the end of the day and spoke with the XXXX. She reiterated that she could not help because the ATM service was outsourced and she did not have access to the money. We needed to contact my bank ( Bank of America ) to open a claim so they could facilitate the transfer. During this call with the XXXX present, the advisor initially repeated the same information but eventually provided us with a claim number that turned out to be false. We were told to wait XXXX business days for a response. 
On XX/XX/year>, we called again and were informed by an advisor that the claim number was not valid and was only a call reference, meaning we had not received a genuine resolution. That same day, we returned to the XXXX XXXX branch and spoke with the XXXX again. We called the bank once more and were finally given a valid claim number. This occurred on XX/XX/XXXX. A few days later, we saw the {$4900.00} in our account, so we assumed the dispute had been resolved. We did not check the account again until yesterday, as it is a business account reserved for a project that is on hold. We discovered that the money had not been debited. When we called for an update, we were informed that the money could not be found, and XXXX XXXX has not provided any answers. Essentially, we do not know who has our money despite XXXX XXXX accepting it at their ATM. XXXX bank blames the other, but neither provides a solution, and I need my money. Neither bank offers clear guidance on the exact process we should follow, and I feel as though I have been robbed.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NC)

I have a student loan with Navient, where I pay over {$200.00} a month. I am supposed to be on a lower monthly repayment plan with them, even though it does n't feel like it. My first issue with Navient is that my co-signers were the ones who received letters that my plan was ending at the end of XXXX, not me. I am the account holder and I feel like this information should have been communicated with me first. I called them immediately and spoke with a rep about my monthly expenses and explained that I have a commission based job and my income changes month to month, so some months are harder than others. The man informed me that lowering my monthly payments would definitely not be an option and that I would have to start paying the full rate. He also said that nothing would be able to be done for me at all until they speak with my co-signers. I told him that I would rather not involve the co-signers because I am the account holder and I am the only one that pays the bill every month. The rep told me that my plan would end and that I would have to pay the regular rate. I told him that I could not afford any more than I am paying now and that all I could send every month was what I was already paying. The rep actually said to me, " Well you will just have late payments every month. '' I was not able to receive any help when I called Navient, hoping to get some relief with my student loans. I did not get treated like a person, I got treated like a number. The school that I attended when I received the loan was the University XXXX at XXXX.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

My account with this XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2016-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NV)

I just noticed an address listed in my personal information that I do n't recognize. It is XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I lived in XXXX California prior to 2005 but I never lived in XXXX. I checked the address through XXXX and noticed that it lists XXXX residents. This may indicate that it is a board and care home, a halfway home or some similar temporary multi-resident use. I reviewed the list of residents to see if I recognized any names, which I did n't - except for my own name listed as a previous resident. Since I never lived there, I am submitting this complaint to get this address removed from my credit report, and I will contact XXXX to have them correct their information.
Consumer complaint received 2024-10-14
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: Experian Information Solutions Inc. (MD)

.According to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual whom it relates.

This account is totally reporting inaccurate, one Bureau reports paid, last date active, last day reported, last payment status etc. 
This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. Credit Bureaus failed to investigate this account properly after I repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-06
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Mid-Atlantic Consumer Services (PA)

I recently received notification from my bank the my account had been levied by Mid-Atlantic Recovery by way of XXXX XXXX regarding a debt that is more than 10 years old. I did n't receive any written notification to appear in court so that I could dispute it. O have sent a letter to XXXX XXXX questioning the original debtor and how can they initiate legal action against me on an old debt. I am awaiting a response.
Consumer complaint received 2024-08-29
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. (TX)

I am writing to formally file a complaint against EXPERIAN regarding the inclusion of inaccurate and fraudulent accounts on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) and CFPB regulations. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. My date of birth is XX/XX/year>, and my Social Security Number is XXXX. 

Upon reviewing my EXPERIAN credit report, I discovered several inaccuracies and fraudulent accounts. There are fraudulent accounts on my report, included in my credit reports. I did not open the account and was not informed about it beforehand, indicating it was established without my consent.

I have already taken steps to address these issues by contacting EXPERIAN directly. I submitted a dispute and provided supporting documentation, such as drivers license, ssn card, proof of address and FTC report. Despite these efforts, the inaccuracies and fraudulent accounts have not been removed from my credit report, significantly impacting my creditworthiness and financial stability.

I am requesting that the CFPB intervene to ensure that these inaccurate and fraudulent accounts are promptly removed from my EXPERIAN credit report. Additionally, I seek written confirmation from EXPERIAN once these accounts have been corrected. I also ask the CFPB to investigate EXPERIAN handling of my dispute and its adherence to FCRA and CFPB rules.
Consumer complaint received 2017-01-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical-Dental-Hospital Bureau of San Antonio (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, SHOWS ACCOUNT IN COLLECTIONS AS OF XX/XX/XXXX FOR {$140.00} AND ANOTHER FOR {$32.00} DATING BACK TO XX/XX/XXXX. BOTH ACCOUNTS WERE PAID AND I RECEIVED A LETTER FROM THIS OFFICE STATING SOMEONE HAD HACKED INTO THIS DOCTOR 'S PATIENT MEDICAL RECORDS. I REQUESTED THE XXXX REPORT FOR FREE DUE TO THIS WARNING, AND IT SHOWS, BOTH THOSE AMOUNTS ARE STILL OUTSTANDING. PLEASE HAVE XXXX OFFICE REMOVE THESE XXXX CHARGES!
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Lincoln Educational Services Corporation (NJ)

back when I was in high school 1987 I was inquiring about going to a XXXX school Lincoln tech and I signed up for the school however I never attended I follow their protocol and sent a letter stating I would not be attending in the fall I then get a bill in the mail from student aid for interest I refuse to pay the interest payment because I never attended XXXX class I never received XXXX book I never went XXXX day to that school and the government for over 30 years has been harassing me
Consumer complaint received 2016-12-08
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Financial Credit Service, Inc. (KY)

I got a call from XXXX asking to speak with XXXX XXXX. That is me so I confirmed. They told me they were with ARA XXXX and they were calling to notify me that a federal judgment would be filed against me for the debt I owe XXXX on an unpaid credit card balance. I told them I have never heard of that bank and do n't have a credit card with them. She asked me if the last XXXX of my social were XXXX and the numbers she gave were the last XXXX of my SSN. I said okay and the call was disconnected. I tried to call back and got the run around. They asked to look me up by my SSN but I would not give it to them. She asked what city and state I live in and was able to " find my account '' that way. She then read me all of my personal information. My full name, DOB, and SSN. She said that I had a federal judgment that was going to be filed and a summons to appear in court or a warrant for my arrest would be issued. She then told me she was only a receptionist so she would have to transfer me to the legal depart. I was then put on hold and nobody ever picked up.
Consumer complaint received 2017-01-24
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Bread Financial Holdings, Inc. (OH)

I made payment arrangements with XXXX to help resolve debts instead they took my personal information and still filed a lawsuit against me. One of the credit cards were n't part of my debt because the card has been stolen and I am to pay it forwarf.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (WA)

Yesterday, XX/XX/year>, I received an email from XXXX XXXX  stating my score changed. I logged in and saw that my MOHELA account had closed and opened a new one. MOHELA sent emails in XX/XX/year> to state they would still be the service agency handling my loans but they were internally updating the platform to a new URL. If there is an internal platform upgrade, I understand that this should not cause my account to close and reopen, which will adversely affect my credit score. Because MOHELA will continue to be my loan service authority and not a new service agency, this should NOT have affected my credit score at all with an internal system upgrade. 

MOHELA should have either stated in their emails about the transition that credit scores may be affected or that this should not have affected anyone 's credit score by closing and opening the account on their credit report. This is not a new account or servicer. This type of misinformation on MOHELA 's part should be corrected, and the agency held accountable for its extremely poor business practices. This is not the first time MOHELA has been a frustrating and challenging experience to navigate my student loan repayment.
Consumer complaint received 2024-08-29
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. (FL)

I am XXXX XXXX, I'm writing to express my concerns regarding several issues I have encountered with the credit bureau. These include inaccurate account listings, erroneous credit reporting, billing discrepancies, and accounts that do not belong to me.
Consumer complaint received 2016-08-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Synovus Bank (CA)

I just lost a job because of financial set backs. So after call First Progress credit card ( synovus bank ) to discuss my situation. I was informed there was nothing they could do. Synovus Bank from then presist with reporting my pass due credit accout to all the major credit card companys 4-6 times for two months in a row. Forcing my credit to drop XXXX points in that 2 month period. I was unformed by the company that it was legal action. But I dont believe it at all. For the few months that I was current and paying extra there was attempt by the bank to report those positive transaction 4-6 per month.
Consumer complaint received 2016-07-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (TX)

Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a XXXX XXXX Validation letter with HIPPA requirements to CommonWealth Financial. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by CommonWealth Financial. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of CommonWealth Financial.
Consumer complaint received 2024-08-29
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: Experian Information Solutions Inc. (AL)

I am writing to address my ongoing concerns about the disputed accounts on my credit report. I have repeatedly raised issues regarding inaccuracies in these accounts and requested thorough investigations, but I have not yet received any resolution or corrective action.

These incorrect accounts are severely impacting my credit and creating significant personal and financial difficulties. I urgently need your assistance to resolve this matter as quickly as possible.

Please conduct a detailed review of the disputed accounts and take immediate steps to update and correct my credit report. Restoring the accuracy of my credit file is crucial for regaining control of my financial situation.

I appreciate your prompt attention to this issue and your support in resolving it. Thank you for your understanding and assistance.
Consumer complaint received 2016-07-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to Account Resolutions Services. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by Account Resolutions Services. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of Account Resolutions Services.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH AT & T AND EQUIFAX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2016-08-07
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Shermeta Law Group, PLLC (MI)

XXXX XXXX, their representative Shermeta Law Group refused to validate ( their ) the alleged debt for an auto loan, prior to taking legal action. 
Prior to this, XXXX XXXX made false statements regarding this loan and the loan had been modified ( mutually ) : there was no record of this provided. 
XXXX XXXX refused to acknowledge any issues and upon request, sent inaccurate information in response.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (MO)

Navient keeps calling me on my cell phone and home phone, 5 to 10 times a day, everyday! Its about a student loan that my daughter took out in XX/XX/XXXX. She forged my signature and got {$3500.00}. I am XXXX and have been since XX/XX/XXXX. I can not pay this loan. I thought my daughter took care of this debt. I have reported her forging my signature for this co-signing of this loan. I am still being harassed by Navient. They only make it more miserable for me to XXXX and worry about how these poor people will get their money. They are very rude and insulting with every harassing phone call to me. Especially the last women I spoke with just a couple hours ago. She insulted me and repeatedly yelled at me, In no way was she professional during her harassing call to me. First it was XXXX harassing me everyday, now its Navient. I would really appreciate it if people were notified before they get these loans that XXXX is privately owned and does n't have to follow any federal regulations!!
Consumer complaint received 2024-09-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (NY)

On XX/XX/XXXX, my agent submitted request for a short sale. On XX/XX/XXXX, my agent was informed that they had denied my short sale due to the statue of limitation. XX/XX/XXXX, they submitted waiver to PHH me waiving my rights and to move forward with the short sale. XX/XX/XXXX they denied the waiver due to the delinquency of the loan. I am asking for them to review and allow me to move forward with the short sale as i do not want to lose it foreclosure. I worked very hard for my home an unfortunately fell into hard times illness, loss of income and deaths in the family and couldn't make my payments. I have been a XXXX XXXX XXXX XXXX XXXX, in XXXX when XXXX came about my business started declining and XXXX I succumbed to their success which caused me not being able to pay my mortgage. I couldn't keep up and I did seek help and was offered a modification that was not affordable with my income. Please I am asking for them to consider the shot sale so i can move on from this nightmare.