davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My home is in foreclosure and BOA Ban of America is not fairly handling my attempt to short sale. I am filing a property value dispute because the appraisal is inaccurate. I have a buyer who wants to live in the house. However there is alot of work that needs to be done. The buyer is qualified to get a mortgage with funds to repair built in. I have a XXXX sale scheduled for Tuesday XXXX XXXX, 2016 and have asked for the bank to postpone awaiting the results of my value dispute. Bank of America refuses and claims XXXX will not allow them to postpone. I need to be able to short sale in order to avoid foreclosure. I have filed a complaint with XXXX FHA case # XXXX.
Consumer complaint received 2017-03-21
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

They do not allow you to dispute with them. They are a crooked entity that ensures you are not successful in canceling your membership. The XXXX number posted on their main website is a fake number, it is no longer in service, which in turn permits them to continuously keep charging your account for their corrupt services. Something needs to be done about this. Apparently paying XXXX dollars in fines that was imposed on them with the W.George Bush law that was passed, had no affect on them whatsoever. How can you continuously keep letting them get away with this is mind boggling. They are messing with our credit and destroying Amercian families that built this free Democracy. Enough is enough. We will be picketing and getting on the world wide news with this so our voices are heard.
Consumer complaint received 2016-04-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Account Brokers Inc. (CO)

I was ordered to pay on a judgement for Account Brokers of XXXX County. I was garnished and they took {$2000.00} for a {$1200.00} work of debt. I pulled a credit report and show an {$18.00} collection for interest. I was not contacted by them and do n't have any accounts with them anymore or with XXXX XXXX XXXX XXXX or XXXX physicians which were the original medical collections. They have reported this to all XXXX credit bureaus as well. They have also refused to update the credit bureaus showing that I have paid off their collection accounts.
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (HI)

I have a Navient private student loan that was co-signed by my paternal grandfather aunt in XX/XX/XXXX for {$16000.00}. I have been paying an interest rate at 8.625 % since XX/XX/XXXX. The interest type is variable. I completed graduate school to become a XXXX in XX/XX/XXXX. Prior to completing school, I was required to pay monthly interest payments of {$110.00}. Upon graduating XXXX school, I had to pay interest + my monthly payment. I could not do so. Since XX/XX/XXXX, I have secured employment, but was unable to pay the full amount. I explained this to Navient on multiple occasions. I inquired about consolidation and income-drive repayment plan due to only making {$42000.00} a year. They said those were not options for my loan. I stated my federal loans were consolidated. Again, Navient stated the loan I have does not allow me to consolidate or complete an income-driven repayment plan. Navient has caused tremendous amount of XXXX on myself and my family. I have no financial help to keep up with payments, nor is the loan decreasing. My current amount in XXXX/XXXX/XXXX due is {$17000.00}. Both my grandfather and aunt of passed since XX/XX/XXXX. I was not there when my grandfather took out this loan. My grandfather, XXXX was from XXXX XXXX. He did n't read XXXX and XXXX was his first language. I honestly feel like he was directed into signing something he did not understand. He wanted me to finish college and I could not do so without a loan, which makes all of this even more sad if Navient did this to make more money. I saw Navient in the news and wanted to file a complaint. I knew something about this loan was not right, but I am not a finance major. I work with XXXX-XXXX year olds with XXXX and it never crossed my mind I could have been wronged.
Consumer complaint received 2017-01-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My ARM rate increase on XXXX caught me by surprise. I did not receive any notices while the bank had my current mailing address, email, and telephone number. With the online account management, there was no notification documents there. Monthly statement on XXXX was too late as a notice required by my rate change agreement, and the rate change was inappropriate without notice. 
Worse yet, all of XXXX, the " current rate '' was misleadingly outdated. I refinanced on XXXX after learning about the increase from the statement in the middle of XXXX, and I paid .625 % higher rate for XXXX full month and 22 days in the payoff month. It does not add up with my " current rate '' updated only in XXXX My payoff included the principal balance and a full month of increased interest, and I was only refunded six days if interest.
Consumer complaint received 2016-11-15
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

OCWEN Mortgage sent me a check recently for overpaying my Escrow. A few months later they tell me I 'm short on my Escrow so they increase my monthly mortgage fees. I have a feeling I 'm not the only one they did this too. Is this illegal? 
XXXX
Consumer complaint received 2017-01-22
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (MA)

I purchased a reporting service many years ago from Experian and have been charged $ XXXX/month. About a year after I purchased the account ( # XXXX ), my password either expired or was forgotten and I requested to update it. I was unable to do so online as Experian had the incorrect information associated with the account ( name, SS #, address, and/or Mother 's Maiden name ) and I was directed to their service line. I called repeatedly and was promised that they would send me a temporary password, but they refused to ever actually do so. After repeated such attempts i complained and was told that they had been sending emails which were blocked by XXXX. In the interim I continued to receive monthly advertising emails from Experian to the identical email account. I contacted XXXX, who had ( 1 ) never been informed of such a problem by Experian, and ( 2 ) also could not comprehend why some emails would successfully go through but others would not. I forwarded an example of such an email back to Experian, but when I spoke to a Supervisor, who refused to read that email. In the meantime they continue to charge my Credit card for services that they are blocking.
Consumer complaint received 2017-01-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (PA)

I learned that our mortgage company reported the month of XXXX 2016 late to credit reporting agencies. We have paid all of our monthly payments timely, in XXXX parts, each month in the full amount due. I review the transaction history online on a regular basis, and each month, including XXXX 2016, showed {$0.00} owed for the monthly payment and a reduction in our principal balance. I have since been advised that the mortgage company, Specialized Loan Servicing, alleges to have increased our monthly payment from {$5000.00} to {$5300.00} claiming an " escrow shortage. '' I did not receive notice of this change. I have since found buried in the statement history an unintelligible letter which in small print, after several charts, notes an increased payment. However, the webpage still showed the original payment amount and both XXXX and XXXX 2016 I paid the original amounts and it showed a {$0.00} balance. Nonetheless, without warning, and without advising we " missed '' the extra {$200.00} for XXXX and XXXX 2016, SLS reported us late. This has decimated our credit, and eliminated any chance of our refinancing this loan. Clearly our history shows we believed we were paying our payment in full, and on time, as we had been. This negative reporting and sneaky attempt to increase our payment ( just 8 months into the loan ) is improper. After all, should n't SLS have to provide a valid reason for adjusting our payment when they decided the amount necessary for escrow? Should n't they have to provide conspicuous notice of the change? Should n't they have to let us know the problem and give us a chance to cure it before reporting to creditors? This is outrageous, and significantly stressful. We have been working diligently to put us in position to refinance - and just got denied and discovered these unfair and underhanded tactics.
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: ACS Education Services (MD)

Hello, I am XXXX veterans XXXX to service and unable to work. I have been unable to get information from ACS education about loan cancellation. Please help get an address and number for cancellation of the debt. They have refused to provide this information.
Consumer complaint received 2016-11-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I hold a checking account at XXXX california and have been with them for nearly 6 to 7 yrs. now suddenly they say that i hold keep a minimum balance of $ .XXXX/- all the time in my account. this was not the case when i opened the account. they charged me maintenance charges of $ .XXXX/ which on complaining was reversed. I am a XXXX with no income and my children deposit. money into my account when ever i need. I do not take ssi. hence there can not be any direct deposit. hence i feel that such compulsion of keeping balance mimimumm shoudl not be applied.
Consumer complaint received 2016-06-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC (CT)

I was alerted by my bank last year that this company put a collection on my credit report. I contcted the business they were collecting for, XXXX XXXX, and I was told that XX/XX/XXXX could not do anything to erase this report even though they had the wrong person ( me! ) I finally received a notice about 4 months ago and got a phone number. I called and talked to a " supervisor ''. I explained that they have me confused with my son. After checking social security numbers on the account, they confirmed it was not me. This liar of a lady assured me she was going to contact the credit bureaus and send me a confirmation letter stating that this was not me and it should be erased from my reports. 

I never received a letter, nor was it removed from my credit reports. 

I contacted them this past Monday, XXXX XXXX, 2016. I talked to this oh so pleasant lady. Once we confirmed that my Social Security number was no where in the system and I had nothing to do with the account of my sons, she told me it was not their problem to call the credit bureaus and have it removed. It was my problem. She proceeded to tell me I was a no good parent for not teaching my son to put XXXX at the end of his name and then she hung up on me when I got loud with her. 

This piece of horse dung company thinks they can bully people. 

Not me!!!
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

Loan has been transferred to several different servicers, most recently Navient. When it was first transferred, the Navient representative told me that should I encounter financial hardship, I was eligible for unlimited forebearance. Not only was the forebearance limited ( 24 months, I think ), but a forbearance due to unemployment was only limited for 6 months, giving me no time to recover financially once I did find a job. I 've been trying for several months now to reach a human being at Navient to try to renegotiate my excruciatingly high monthly payments, but thanks to their automated phone system, reaching a human is near impossible. While applying for a different plan online is possible, the language is confusing and I need clarification, as I 'm afraid if I apply I 'll get stuck in a situation even worse than the one I 'm in now ( where my monthly payment is almost 25 % of my post-tax income ).
Consumer complaint received 2016-04-12
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Sessoms & Rogers, P.A. (NC)

A legal firm that represents the credit card company has served me papers thru the sheriff 's department notifying my right to have exemptions designated. I 'm guessing as payment. Is n't there a statute of limitations for credit card debt?
Consumer complaint received 2016-07-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

creditor filed and issued a judgement/garnishment of wages on an account from XXXX it was charged off. judgement was issued XXXX. a copy is attached. 
this is a time-barred account that has exceeded the statue of limitations. which is 4years in the state of California. I was not notified of the case. they also have my wrong address. my physical address is XXXX XXXX XXXX XXXX XXXX ca XXXX for the last 5-6 years. but I have worked at the same place for 20years. the garnishment was issued to my company. that 's how I found out about it. I received no phone calls in many years about this account. Capital one. Capital one 's attorney is stated to be XXXX case # XXXX
Consumer complaint received 2016-09-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (GA)

Late last year I discovered that XXXX XXXX has been reporting a collection account in my name to XXXX, and they have been reporting this collection for several years ( since XX/XX/XXXX ). I did not apply for an account with the original creditor ( Citibank ). I have never held a credit card from them and I have never received any documentation from the original creditor this account was for. I also have never received ANY communication, written or via phone call, from XXXX XXXX to notify this debt was passed to their office. I only became aware of this account when checking my credit report for the first time in several years. 

After becoming aware of the collection account I sent a certified letter to XXXX XXXX on about XXXX XXXX, XXXX requesting that they validate the debt they were reporting to XXXX. 

This letter was returned to me undeliverable. 

Frustrated, I filed a direct dispute online with XXXX, using the reason " This account was fraudulently opened by someone who stole my identity ''. Surprisingly, the dispute came back " verified '' and no change was made regarding this account on my credit report. I now realize that the incorrect " dispute reason '' was probably used, nevertheless I have no previous knowledge of this account so it made sense to me. 

Still frustrated I called XXXX XXXX and asked for their mailing address to send a letter regarding an account. The person on the phone gave me the following address : XXXX XXXX XXXX XXXX, TX XXXX. On XXXX XXXX, XXXX I again mailed them via certified mail requesting validation of this collection account. Again the mailed letter was returned to me undelivered! At this point I feel that something very unscrupulous is going on and this XXXX XXXX company is intentionally making it difficult for consumers like me to exercise my rights by requesting validation of negative information that they have been reporting on me for years. 

Their business practices are unethical at best and appear to be in violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2017-01-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCB Management Services Inc. (VA)

They call every day. They ask for XXXX XXXX. They say it 's an attempt to collect a debt. They say if you are not XXXX XXXX, hang up and call this number. I called the number a year ago asking them to stop calling me. They agreed to stop, but I am still getting calls daily.
Consumer complaint received 2017-01-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (PA)

My loans through XXXX were deferred as I am a current student, when navient took over they began to bill me and affected my credit. When I called I was forced to begin paying on my loans which I can not afford since I 'm still a full-time student. My payments to navient cause me to fall behind on my other bills.
Consumer complaint received 2016-05-11
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WI)

Fraudulent use of credit card. Charges to my card from XXXX. I called and brought the fraudulent charges to the attention of my bank. They credited me with XXXX of the XXXX charges. When I called to correct the situation and get questions answered, the supervisor refused to speak with me. My checking account was debited for more than {$3000.00} in fraudulent charges after I was assured that the charges would be removed. The bank is USAA, credit card is Master Card.
Consumer complaint received 2016-09-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

HELLO, I TOOK OUT AN AUTO LOAN BACK XX/XX/XXXX WITH SANTANDER CONSUMER. THE LOAN WAS FINANCED AT {$13000.00}. OVER THE COURSE OF THE LOAN I HAVE HAD LIFE ISSUES AND HAVE PAID PAYMENTS BEHIND, TAKEN DEFERMENTS AND WENT THROUGH A PAYMENT REDUCTION FOR A SHORT PERIOD OF TIME TO HELP ME. AS OF XX/XX/XXXX I HAVE MADE XXXX PAYMENTS OF {$390.00} WHICH IS A GRAND TOTAL OF {$20000.00}. I WAS TOLD THAT THE BALANCE STILL DUE WAS XXXX AND THAT NONE OF THAT MONEY WENT TO THE PRINCIPAL BECAUSE OF PAYING BEHIND. I HAVE ONLY RECEIVED THE STATMENTS REGULARY IN THE MAIL. I HAVE NO PAPER WORK TO SHOWING EXACTLY WHAT THE FUNDS WERE ALLOCATED TO. I WAS TOLD THAT THE ACCOUNT WOULD BE CHARGED OFF ONTO MY CREDIT. I HAVE MORE THAN PAID FOR THIS CAR THAT IS CURRENTLY WORTH AROUND {$3000.00} AS THIS WAS A XXXX NISSAN. THE CAR WAS N'T EVEN BRAND NEW WHEN I GOT IT. I BOUGHT IT FROM XXXX XXXX LOCATED IN XXXX, GA. I WAS TOLD THAT THEY NO LONGER DO BUSINESS IN XXXX, BUT IN XXXX. BOTH LOCATIONS WERE SOLD TO MY SUPRISE.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NC)

I recieved a bill that stated i was past due and I owed {$550.00} and that I was past due. This is almost {$200.00} more than my monthly payment. When I call I have to wait on hold for at least 20 minutes. Then when I talked to the lady she said no, I owed {$340.00}. She could not explain why I owed that much. Then she told me that XX/XX/XXXX my payment is going up. I am on Income Based payment plan and am not up for my application until XX/XX/XXXX. The lady claimed that I must have been informed that my payment was going up. I said no I was not and that I have been paying the same amount for months. I then asked to speak to a supervisor. After waiting 30 minutes, one was still not available. She told me they would do " research '' then call me back. I said no that I did not want to default because apparently my payment is already late. She told me they would n't report it to the credit bureau until I was 90 days late. I would not accept this. I told her I would look at my payment history and call back. I called back 30 minutes after and got a new lady. She said no, my account is not late and in fact it is up today. However, she also told me that they are missing one payment of {$200.00}. This {$200.00} was taken out of my bank account nearly 3 weeks prior but they claim they never got it. She told me I had to take it up with my bank. Again, I demanded they give me some sort of resolution to the problem. She told me I had to print off my bank statement and mail it in for them to " research. '' Meanwhile, {$200.00} is missing!! 

Also, I have tried to set up my auto payment out of my account for more than the minimum that I have to pay. They have told me that is not possible, they ca n't draft more money out of my account than the minimum balance. I find this very hard to believe.
Consumer complaint received 2024-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (NY)

On XX/XX/XXXX, I reached out to square to have my XXXX corrected. I need my XXXX number changed from my social security number. We went back and forth and i have a total of XXXX messages. I sent everything they asked for which were bank statements to prove the XXXX and their last message was on XX/XX/XXXX. I have sent emails since then and Im being ignored. They refuse to correct my 1099 and its preventing me from filing my taxes! My accountant says we have till XX/XX/XXXX to have this corrected. Ive tried reaching out and they dont respond.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/updated.

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.

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!