davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (NJ)

Enhanced Recovery Corp. reported a debt in the amount of {$220.00} on behalf of XXXX XXXX XXXX to the XXXX major Credit Bureaus ( XXXX, XXXX, XXXX ). I paid the amount ; however, the delinquency date reported is inaccurate and is affecting my credit score immensely. Enhanced Recovery Corp. is refusing to correct this since they 've already been paid. 

Prior to Enhanced Recovery Corp. a different collection agency was contracted by XXXX XXXX to collect. This debt has been moved around by numerous collection Agencies. The year of delinquency should be 2013.
Consumer complaint received 2017-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

Equifax is reporting XXXX XXXX student loans all with account number XXXX on my account as " 120 plus days late '' as the " current status. '' These loans were transferred and sold years ago and they are currently reporting twice. I demand that these loans are deleted from my credit report.
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (IL)

I applied for a car loan with XXXX credit company an received finicancing an was told my credit was ran only with XXXX but later found out that my credit had been ran XXXX times an cause me to loose XXXX points on my credit score
Consumer complaint received 2017-03-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I called Transunion and XXXX because I 've been a victim of fraud. I have several inquiries on my reports, that I did not authorize. They were very rude on he phone. I was told that they could not remove them. Transunion gave me the run around. I 'm trying to keep my credit score from dropping and it seems as if they do n't care.
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (VA)

I would like to add my complaint/ experience to the suit regarding the problems with Navient, which financed my students loans until XX/XX/2016 when I was able to move and consolidate them with XXXX. I feel Navient discouraged -- and even falsely advised -- me to over pay to reduce the principal on my loans. I also feel the did not correctly allow me, nor did they offer, to combine loans and did not give any information about changing rates. Finally, Navient would not adjust the loan to allow me to take my father off as a cosigner. As a result, after much communication and discussion, I had to change companies. It was just one thing after the next. Now, it appears I was n't the only one experiencing this. I thank you for this opportunity to share.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

The XXXXXXXX XXXX business card belongs to XXXX XXXX XXXX XXXX XXXX. Yes i am XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  our law clearly states a company card if belongs to LLc is for a company. The company close and shut down and went to financial loss. Company is trying to negotiate and pay off the card. Its charged off and now its showing in my personal credit report. Why. I reported so many times and disputed. I want the strike to be removed from my credit report. Its not right to strike a persons personal credit for a business owned credit card. I have attached the proof of the strike in my credit report.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2016-09-02
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

I set up auto-payment for my Chase XXXX card and was told it was set up correctly. Nearly 2 months later, I started receiving calls from Chase tell me there was something wrong with my account. When I logged in, I saw that my payment was overdue, and therefore I was incurring interest charges. In addition, there was a returned-payment transaction that had zero details. I called Chase to ask why I received zero notifications or emails that an auto-payment failed, they said : " you have to log in to see your notification ''. I then told the rep that there was no notification in my account, he started giving me a really long roundabout. This is an incredibly shady and predatory business practice to allow customers ' payments fail, give them no notice, so that Chase can passively charge interest income.
Consumer complaint received 2016-09-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (PA)

Pioneer Credit Recovery sent a garnishment order to my employer before send me a notification or an income driven repayment plan according to the law. this put my family in a extreme economic hardship since we can not afford to pay our rent or put food on the table. I am living at my present address for over 11 years. please help.
Consumer complaint received 2016-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC (SD)

I am trying to work with my mortgage servicer to get rid of my Private Mortgage Insurance, since my LTV is now less than XXXX %. They are using the original appraised value from 8 years ago and I am using the current county assessed value. Is this customary? I could be saving {$120.00} a month but I am having to pay this amount for another 2 years. I feel this is unfair and deceptive.
Consumer complaint received 2016-09-02
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NJ)

I signed up for XXXX XXXX XXXX card with a signup bonus of XXXX Membership Rewards after {$1000.00} spend in 3 months. I completed my spend on XXXX XXXX. I was supposed to get the bonus points XXXX weeks after. Never received the bonus. Contacted Customer support on multiple occasions who confirmed the offer and confirmed that I have completed the offer terms and told me that the bonus should be awarded shortly - yet the bonus has still not been received. I am extremely disappointed with how this matter has been handled. I expect XXXX XXXX to honor the offer terms without any further delay.
Consumer complaint received 2017-01-06
Product: Prepaid card — Other special purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A. (CA)

I purchased a set of tires at Goodyear and selected the tires because of the advertised rebate of {$140.00}. The rebate came in the form of a prepaid VISA debit card issued by citibank. However, the card expired 6 months after it was received, and citibank says that the balance on the card has been forfeited. I called the customer service number at XXXX and was told that nothing could be done. 

There was no prominent disclosure of the fact that the entire rebate would be forfeit if the card was not used by the expiration date. That was {$140.00} in rebates that is now gone. Furthermore, the disclosure that came with the card said there would be maintenance fees after 6 months which led me to believe there would still be some balance remaining to use.
Consumer complaint received 2016-09-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (TN)

XXXX XXXX, XXXX To Whom This May Concern : On today, I attempted to pay my bills with both of my personal and business debit cards and found that both of my Regions debit cards were closed. Of course, I was shocked to say the least. Having savings and checking accounts is an indispensable part of anyone 's financial stability. I have been a loyal and long-standing customer with Regions since XX/XX/XXXX. I have never been a financial liability with Regions. So I am not understanding why my cards have been closed and why I am being threatened with closure of my checking accounts. 
I want answers and I want my cards re-issued so I can pay my bills. I have always paid my bills in a timely manner. 
The actions by Regions is causing me harm and hampering my ability to pay my bills. 
Regions closing of my accounts and business relationship is affecting me getting accounts with other banking institutions. 
In XXXX XXXX, someone stole my Business Account Debit card and attempted to use it at an ATM machine in XXXX Georgia. Regions sent my card to the wrong address. The address listed on my Regions account was changed by an employee. The apartment number was removed from my Regions Bank information. I reported this to Regions customer service but nothing was done about it. I applied for a credit card and was granted it and was told by the Regions employee that took the application that the card would be sent to the bank. I called Regions Credit Card department on tonight and they said the card was not sent to the bank but the wrong address that is listed on my Regions account. This is the same address where someone gained accessed to my debit card in XXXX XXXX. 
I hope Regions Bank will rectify this problem. Regions have approved me for a mortgage and credit card and this is where I have done business for the last 22 years. 



XXXX XXXX XXXX
Consumer complaint received 2016-06-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (PA)

This debt is from a XXXX hospital, I do not have any XXXX. 
I called the hospital direct n they have no records of my name showing anywhere and they also told me they do n't use this company for there collection services. I also spoke to the collection company the hospital does use and they have no records anywhere. I XXXX this company and the number that shows is not in service. How do I respond or try to get this resolved if there is no phone number or email address to explain to them that I do n't have XXXX and that I do n't go to that hospital. I go to XXXX
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (FL)

I received my XXXX in 2014 which I paid for with private loans, since Federal loans are not available for graduate students. I moved to Florida after completing my XXXX. I 've struggled with repayments. My loan was in deferral for a year and since then I have made 3 months of payments. I recently called Naviant to explain my situation. You see, I take home {$2400.00} a month. My monthly expenses including rent, cell phone, car, travel to and from work, and utilities leaves me with {$300.00} to spend on food and have for emergencies. Naviant told me I could afford to pay them {$270.00} a month and they will not accept anything lower. This payment is just impossible for me and they wo n't do anything to help. I 've tried to find help and I ca n't. If i had known that trying to further my education would wind up hurting me and my credit this much, I would have never gone back.
Consumer complaint received 2017-04-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have opened the account of Bank of America and they indicated that if all of my account together have more then USD 10,000 balance i would not be charged monthly maintenance Fees. but all of sudden they started charging without any notice. And they agree although rep did not inform correctly we ca n't do anything
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

The XXXX dollar corporation Navient Corp. has used confusion, misdirection, and other tactics to make it more difficult for me when repaying my student loans, including but not limited to : 1 ) making it more difficult for me to lower my payments using misdirection and other false information 2 ) cheated me, a struggling borrower ( AND graduate student ), out of a reasonable way to make affordable payments 3 ) Used tactics like transfers, multiple confusing tellers and customer service representatives, and other highly nefarious business practices to increase my interest payments making it seemingly impossible to catch up on paying the principal balance. 

Through constantly switching me from program-to-program, deadline to deadline, and making it as difficult as possible to keep up with deadlines, dates, and other unreasonable business practices this company has a valuation of XXXX dollars in assets. My wife and I take in less than {$50000.00} a year collectively before taxes and expenses. As graduate students it is unreasonable that this company would push so hard and take advantage of our situation when we are somewhat forced to continue training ( schooling ) in order to secure jobs that pay a reasonable way to meet the demands of our currently unforgiving economy and job market. Please do something about this company and put and make an example of a company that simply ca n't have enough funds and assets. Where does it end? XXXX? {$180.00}? Why not XXXX? XXXX? $ XXXX? Please help, I can barely afford to repay loans that deceptively were pitched to me as leading to an education that would ( could possibly.. ) provide me with a secure job and now there are n't any. Hence the plea for help.
Consumer complaint received 2016-07-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

In the course of applying for a mortgage, the lender, Bank of America, has made what we deem egregiously petty and nuisance requests for documentation to satisfy their lending requirements and their final mortgage approval. 

For example, with a documented annual income in annual excess of $ XXXX and declared liquid assets in excess of $ XXXX, plus a pending $ XXXX net cash proceeds for a sale under contract for our current home, they want a written, signed and dated explanation for a {$250.00} check to XXXX, rental for furniture for a garden party we hosted. 

We ca n't begin to see the logic or relevance of this request to our mortgage application and approval and think it is a purely time and energy wasteful and unfair request. We have other examples that are just as egregious.
Consumer complaint received 2016-06-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TX)

Vehicle was damaged XXXX/XXXX/16 and declared a total loss a couple of weeks later. The primary and GAP coverage payments were made by XX/XX/XXXX. Not sure which side mishandled the claim ; I have proof that the payment cleared, but the loan company insists that a payment was not made. As a result, I have not been given a final payoff amount, and the company is reporting the account as delinquent to all credit bureaus.
Consumer complaint received 2016-06-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

This relates to case # XXXX. Bank of America escrows the money for homeowners insurance on my property in XXXX, NJ. I filed the first complaint when BoA refused to pay the invoice to renew the policy. They finally did so, several months late. This resulted in a gap in coverage, for which they billed _me_. They deducted {$99.00} from my escrow account on XXXX/XXXX/2016 to pay for ( retroactive ) insurance covering the gap when Bank of America failed to renew the policy. They did this despite sending me two letters that said I would not be charged because BoA was responsible for the insurance payment, and multiple verbal assurances from various BoA representatives that the matter was closed. They have not responded substantively to my voicemails ( for XXXX, a supervisor in the Insurance Department ) or customer service messages requesting a refund. This is a blatant example of a big institution abusing a customer, and refusing to engage to correct the error.
Consumer complaint received 2016-06-18
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (LA)

I have a CITI issued prepaid visa that was issued XX/XX/XXXX. I was unable to activate it in the 4 month window. When I called today XXXX agent ID XXXX advised they seized all funds and account {$0.00}. The terms and conditions advise of a {$3.00} per month maintenance fee but has no reference to the card company seizing entire balance. 
XXXX Visa Card was issued with balance {$120.00} now {$0.00}
Consumer complaint received 2016-05-11
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: TD BANK US HOLDING COMPANY (VA)

I recently have tried to stop or change my auto-payment arrangement with Nordstrom rewards credit card. During the week of XX/XX/XXXX through XXXX I signed onto the Nordstrom website on four occasions and was unable to either drop auto-pay or change the payment amount from the full card amount to a lesser amount. I called three times during that week. On the first call on XXXX XXXX, I was told by the Nordstrom 's rep that the problem was my Safari browser. So I downloaded XXXX and XXXX and was unable to change the auto-pay arrangement. I called back a second time on XXXX XXXX and was told that Nordstrom had a website issue. This time they provided me with a fax number to cancel/change the autopay of XXXX. I faxed the request on XXXX XXXX. On XXXX XXXX or XXXX I checked online and nothing had changed - the autopay was still in place and I was still unable to change the payment amount from the full statement amount to a lesser amount. So I called Nordstrom again and this time they : a ) verified that there was a website issue and b ) took a verbal change to the autopay to a {$1000.00} payment for XXXX XXXX, 2016. THEN, on XXXX XXXX I received a form in the mail sign to stop autopay, and the form lectured me that the easiest way to do this was online. I signed the form and wrote an irate note on the form explaining that the website DID NOT WORK. NOW, yesterday, XX/XX/XXXX I received ANOTHER, DIFFERENT FORM IN THE MAIL, BASICALLY lecturing me again to make changes online and saying that nothing would change until I either made the changes online or mailed in this second different form. NOW I HAVE NO IDEA WHAT IS GOING ON!!!!!!!!! Have they changed the amount I am supposed to pay from the full statement amount to {$1000.00} for XXXX XXXX? Has the autopay been cancelled all together? Am I still going to pay the entire statement amount? WHAT IS GOING ON???????? After three phone calls with different instructions, multiple letters telling me to do different things, and a nonworking website I have no idea. Finally, if no payment is taken out I do not want to be penalized for a late payment because I have repeatedly tried to fix this and pay more than the minimum. Nordstrom card services are treating me horribly.
Consumer complaint received 2016-04-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was two months ahead on my mortgage, then within 10 days, countrywide foreclosed on me stating that I was 2 months behind, all within 10 days, I proved to them on several occasions that I was correct and that they are wrong! Several of their people agreed with me in my assessments, but, were no longer in contact with me! They lied cheated, defamed me and foreclosed on me, then coerced me into a very false modification, what I originally read and thought I had sighed, turned out to be significantly different! they put a balloon payment with an adjustable rate and then put 40 years to pay, Incredible!!! 
This has cause me extremely great distress and hardships, while destroying my credit and any hopes of paying off the mortgage! Please any and all help would be greaty appreciated! 
Thanks sincerely, XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2016-11-16
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I submitted a dispute with BK OF AMER account Number XXXX. I have never had any affiliation with this debt. My son and my spouse battled XXXX simultaneously and unfortunately loss their battle and seeing the date on my credit report, this debt seem to have occurred during that time. Again, I knew nothing of this debt until viewing my credit reports. I have attached the case number with the XXXX Police Dept an incident report. This account has been on my credit report since 2007, I am asking Bank of America to release me of liability. They indicated that I made some payments. I have never made any payments and was not aware of any payments. I have accountable police reports that I previously reported to the police department in regards to my deceased son 's ex-girlfriend 's fraudulent acts in regards to me and my family that I have no problem submitting and that would be the only way any payments could have been made in which I would like my money returned. I have also attached my property tax document which shows my address in 2007 which is the year on the credit report. I have attached my XXXX XXXX Document which shows my address prior to 2007 and it has my signature. I am not familiar with the address associated with this account that Bank of America has on their application, nor phone etc. Please take notice, that my residences are not the ones on their application. The only reason the company has my address of XXXX XXXX XXXX XXXX is because I contacted them about the account and provided my address. I never signed an application, never received any benefits from this organization. Nor was I contacted because my credit report has a fraud alert and I was not contacted prior to issuing credit in my name. Now this organization is aware of my constant disputing of the debt and Bank of America have submitted this debt to the IRS as a charge off and IRS has sent me a bill for a debt of {$1200.00} in which I am not liable for.