davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (NY)

I took out loans with Sallie Mae and had issues paying off and it went to collections. 
The debt collector has not gotten in contact with me and I'm not sure which agency my debt went to. When I called Sallie Mae they said they had a program where I can repay my loans but when I asked to be able to see my loans or something to help navigate visually what I'm paying off nothing happened. I was told I would be emailed my loan information but nothing has been sent. Its concerning for me because I would like to get my debt paid to fix my credit score but I have no paper trail or physical location to go to, to see how much of my debt I have left or how I can put payment to pay off. The only place I see the debt is on my credit report but other than nothing else
Consumer complaint received 2016-10-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (TX)

Every time that I make large payments to my student loan account, the lender applies the excess to " future interest payment '', thus pre-paying interest rate for future months instead of applying any excess payment to my principal. Even when I make XXXX large payments in consecutive months, the lender applies any excess to " future interest payment ''. They are really hurting me because I make such large payments to quickly payoff my outstanding principal to find out years later of such unethical practice.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently pulled a copy of my credit report and noticed the following information are in error, I never authorized these inquires. I sent letters to all XXXX credit bureaus and they still not delete them. 
1. XXXX XXXX - on XX/XX/XXXX 2. XXXX XXXX - on XX/XX/XXXX 3. XXXX XXXX - on XX/XX/XXXX 4. XXXX XXXX XXXX - on XX/XX/XXXX 5. XXXX XXXX - on XX/XX/XXXX 6. XXXX - on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX -on XX/XX/XXXX 9. XXXX XXXX XXXX - on XX/XX/XXXX 10. XXXX XXXX XXXX - on XX/XX/XXXX 11. XXXX XXXX XXXX - on XX/XX/XXXX 12. XXXX XXXX XXXX - on XX/XX/XXXX 13. XXXX - on XX/XX/XXXX 14. XXXX - on XX/XX/XXXX 15. XXXX - on XX/XX/XXXX 16. XXXX - on XX/XX/XXXX 17. XXXX XXXX - on XX/XX/XXXX 18. XXXX XXXX on XX/XX/XXXX 19. XXXX - on XX/XX/XXXX 20. XXXX XXXX - on XX/XX/XXXX None of them were done by me.
Consumer complaint received 2023-09-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (CA)

This is insane! 
We sued XXXX XXXX XXXX owned by XXXX XXXX XXXX XXXX XXXX by XXXX XXXX ) for dozens of incidents of harassment and habitability issues. 

As part of the settlement, they waived ALL BACK RENT, but we are now being illegally charged, in violation of the settlement terms! 

I am attaching the settlement paperwork, as well as communication between our attorney and opposing counsel. 

We do not owe this rent and this legal settlement absolutely proves it! 

Also feel free to contact my attorney, contact information below, because this is about to turn into a whole new lawsuit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX XXXX  : ( XXXX ) XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2016-05-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Bank of America claims that they sent me a letter by USPS and made one phone call to let me know that my residency paperwork was not in order. I did not receive the USPS letter and thought the phone call a scam as there was no tag/flag on my account when I logged in to my online banking with BofA. They suspended my account, were slow in responding to me and caused me to accrue fees from my bills because the account was suspended and thus the funds did not go through. BofA 's own credit card charged me a fee, when the card itself was suspended for the same reason. After submitting my paperwork and reinstating all my accounts, I am still getting " suspended account '' reports when I try to pay my bills ( from time to time ). The Bank can not explain why this is, but surely my utilities company does not have a reason to lie to me when the payment did not go through and they received an account suspended notice. I was told my account paperwork has not been up to date since XX/XX/XXXX. Why then, could they not give me a few more weeks to give them my paperwork and try for better communication methods? Is this the bank 's way of making up for the penalty that they had to pay because their customer 's paperwork were not in order since XX/XX/XXXX? Is BofA trying to make its customers pay for the penalty?
Consumer complaint received 2016-05-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have refinanced my home mortgage with Bank of America in XXXX XXXX. The total loan amount was {$220000.00}. Since we did not meet the minimum 20 % requirement, there was a PMI added to the mortage. I made extra payments in order to reduce my principal balance to meet the requirements to terminate the PMI sooner. As of XXXX of XXXX my principal balance was {$170000.00} which is less than 78 % of the original value. As of XXXX XXXX my principal balance is {$160000.00}. I have contacted Bank of America to inquire as to why the PMI was not automatically terminated. In response Bank of America has denied to terminate my PMI and is asking me get a appraisal done again regardless of what my current balance is as compared to the original value at the time of refinance.
Consumer complaint received 2016-05-03
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Repetitive unauthorized charges to credit card account - when I call the business ( XXXX ) they argue with me and say that my wife authorized the charges when she charged a rental car from XXXX XXXX XXXX XXXX on our credit card account -we have the rental car statement printout and there is no such charge reflected. XXXX will agree initially to " cancel the membership '' PROSPECTIVELY - but not give a credit for the unauthorized charge. When I press the matter ( XXXX ) about this being a fraudulent, unauthorized charge ( and threaten to contact the FTC or file a class action lawsuit ) - they agree to issue a credit. This has happened repetitively. This is scam. The FTC or someone in the U S Government needs to investigate XXXX XXXX XXXX XXXX and/or " XXXX Shopper ''. Someone similarly situated to me who is not a lawyer and who is not versed in their legal rights would probably not receive a credit.
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (DC)

I disputed this item with XXXX and the item was removed and I requested that the other XXXX bureaus be notified, however, this was not done and the same error is appearing on the other XXXX bureaus and it is affecting my ability to obtain employment. I am XXXX. The credit bureau is reporting a public record XXXX from XXXX/XXXX/2011 as belonging to me however, when I called the courts about the debt belongs to someone else ( XXXX XXXX ) and this debt has been added to my report in error and I am requesting that it be removed. Please see attached supporting documentation.
Consumer complaint received 2017-02-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Pacific Union Financial, LLC (OH)

I originally called on XXXX. to get a refi. started. I was told no loan officer w was there and I would receive a call back from XXXX in XXXX to 48 hours. I waited 3 days and call, so I called on that day. I was told yet again same thing. no one there and would get a call in XXXX to 48 hours. I said ive already waited and that I really need to get it started. I also asked to speak with a supervisor. not one available. it was on XXXX XXXX or XXXX I finally got a call from a loan officer, XXXX. got it started that day. it was on XXXX XXXX I got a call from a supervisor from my complaint 10 days later. I was hoping to get the refi completed soon because I was having some financial dificuties.during this time. I received phone call from their collections department on my making my payment. on. everytime I called to speak with someone for the refi it would go straight to collections. so I maid the payment so it did n't affect my credit. mean while there was little to no communications from our loan officer. XXXX XXXX. Now here wee are on XXXX XXXX just got a call from collections dept. today about my payment. when I have grace period until the XXXX. and I also had to pay XXXX for an appraisal as well. which was also a big set back. called XXXX today with no answer and call back. please help I feel like I have no where to turn to. I heard about CFPB through another mortage company.
Consumer complaint received 2017-02-10
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CIT BANK, NATIONAL ASSOCIATION (NJ)

They keep sending me collection notices in the mail and are reporting the discharged debt on my credit report as active and past due as of XX/XX/XXXX. the debt was discharged XX/XX/XXXX and sold to a different bank. the original owner of the debt was one west bank they sold this debt to XXXX and they collecting and misrepresenting on my credit report.
Consumer complaint received 2016-05-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

EXPERIAN DOES NOT SEEM TO PARTICIPATE WITH XXXX I HAVE ATTEMPTED TO REQUEST MY CREDIT REPORT FROM ALL XXXX BURAUS. EXPERIAN IS THE ONLY ONE THAT GAVE ME " UNABLE TO GRANT YOUR REQUEST '' MESSAGE. SAME THING HAPPENED WITH MY WIFE AND MY SON. 
WE WERE NEVER ABLE TO PULL OUR EXPERIAN REPORT FROM XXXX ALSO, THEY HAVE BLOCKED THEIR PHONE LINES WITH NO AVAIL TO REACH A LIVE PERSON AND HAVE BLOCKED ON LINE ACCESS TO MY OWN FILE THROUGTH XXXX OR XXXX THIS HAPPENED BEFORE AND SEEMS TO BE THE STALL TACTICS USED BY EXPERIAN. UNFAIR TO ALL CONSUMERS AND NOT A RIGHT WAY TO CONDUCT BUSINESS ON THE NATIONAL LEVEL!!!
Consumer complaint received 2017-02-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: The Law Office of John P. Frye P.C. (SC)

I have been paying on an old installment loan debt that was with XXXX. After falling behind on payments the debt was supposedly purchased by XXXX XXXX XXXX in 2012. I have paid roughly {$10000.00} of a {$17000.00} debt. However I have repeatedly asked for statements which this company refuses to comply with. I have asked for a copy of the original agreement which I have never received. The company threatened to sue me if I did not set up automatic payments of {$150.00} every other week corresponding with my pay days. They set them up on a debit card but if the debit card does not go through they send it through as a check the following week which can result in a returned check fee if the money is not available. I do not believe I ever agreed to this and do not have a copy of the original agreement. The payment arrangement was set up over the phone in 2012.
Consumer complaint received 2017-02-23
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

bank of america has responded 3 times now stating they think i have been a victim of fraud, NO XXXX!!! BANK OF AMERICA IS THE ONE COMMITTING FRAUD!!!! THEY REFUSE TO LET ME FILE AQ COMPLAINT FOR FRAUD AND THEY ARE REPORTING ON AN ALLEGED DEBT THAT THEY CAN NOT PROVE!!! ITS OVER 7 YEARS OLD TOO!!! THATS AGAINST THE LAW YOU CRIMINALS!!! DIRTY ROTTON SCOUNDRELS YOU ARE!!!! 
YOU DO NOT HAVE AND CURRENT VALID CONTRACT WITH ME YOU CAN NOT PROVE THAT DEBT IS MINE!! 
YOU ARE IN VIOLATION HAVING THIS FAKE DEBT FOR OVER 7 YEARS CRIMINALS CRIMINALS CRIMINALS!!!!!!!!!! PLEASE ANSWER MY QUESTIONS YOU ROTTON CRIMINALS, SILENCE IS ACQUESCENCE, SILENCE IS FRAUD, SILENCE IS GUILT,!!!!! WHY WONT YOU ANSWER TO ME CRIMINAL!!!!
Consumer complaint received 2017-01-17
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (IN)

Regarding complaint case # XXXX, I want to add that as part of resolution I want my credit reports at XXXX, XXXX, and XXXX to reflect the fact I did not pay Citi Bank AT & T Universal credit card bill late. I also want the complaint published.
Consumer complaint received 2023-09-02
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-06-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (NY)

American Express canceled my account on XXXX/XXXX/XXXX. The only reason they gave me was that the account was " fraudulent '' although there were no unauthorized charges on my account. They went on say that their fraud unit did an investigation and found my account to be fraudulent. The Amex rep would not tell me too much but implied that someone claiming to be me told Amex that he ( I ) never applied for an Amex card. I have been an Amex member since XX/XX/XXXX, at the same address and the same phone number. No one from Amex called me or wrote to verify my identity or to questions me about this alleged fraud although I have been receiving my Amex bills at the same address for years and have never missed a payment. I found out that my Amex account on XXXX/XXXX/XXXX was closed when XXXX billed Amex as they every month for my internet service and the charge was denied. AMEX never informed me that they had closed my account. I can not understand how their fraud unit did an investigation on my account and Amex never contacted me for anything. Also on my online Amex account they list the last XXXX digits on your account. The XXXX digits were not the last XXXX digits on my Amex account, which I also informed the rep. I also receive a paper statement from Amex and it had the correct XXXX digits from my account. In summary, Amex had no right to close account without contacting me, interviewing me or at least informing of what they intended to do. They gave me very little information as to the specific nature of my account being " fraudulent ''.
Consumer complaint received 2017-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (NH)

I am trying to refinance my home. In XXXX my payment had changed and I inadvertently sent in a payment which was {$71.00} short. Ocwen mortgage is now reporting that I never made the payment in XXXX. My new potential mortgage company can not refinance without a clarification letter from Ocwen, which they refuse to furnish
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (CA)

I attempted to open an online CD account XXXX ... I had trouble w/their web site, called them ( XXXX XXXX ) got hung up on & locked out of my account before it was established. I was abused w/ " security questions '' then more by EXPERION ( XXXX XXXX ) these were questions from over 20 years ago ( where did I live 20 years ago ... .street address ) I am XXXX do n't remember the number, who would? my XXXX XXXX sored, I got XXXX from disbelief on how I was being treated, no other bank/financial ever put me through this ... .and they ask for is your social security # too much!, I had identity theft because of a bank, this is security abuse and out of controll. Experion has WRONG info, OLD, outdated info & are unresponsive, profiteering & should be put out of business, they also make me carry my X-husbands credit info on my report from 20+ years ago! disriminatory/unfair! XXXX is over kill/abusive in security .... banking/financials/credit reporting/security is OUT of CONTROLL & WRONG! ... XXXX
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I sent a certified letter to Transunion regarding incorrect personal information and unauthorized hard inquiries showing on my file. I have written and spoken to creditors, on the phone, only to be told that I needed to dispute with the credit bureaus. XXXX XXXX was not able to find an inquiry with my SNN in their system and told me to resolve directly with Transunion. I spoke with XXXX XXXX onXX/XX/XXXX and they confirmed that I should deal with Transunion directly as I did n't have any account opened with them. 
This week I received my annual credit report from Transunion with a general letter explaining what was the inquiry. No results of the investigation were provided. 
I was in contact with Transunion XX/XX/XXXX, in an attempt to dispute hard inquiries currently showing on my credit file. 
My husband XXXX XXXX with my permission spoke to Customer Service Representative and Supervisors. They stated that I could not dispute inquiries, because they were factual. I needed to contact the company instead of disputing with Transunion. I explained them that some creditors were unable to even find those inquiries in their system and told me to call back to Transunion. The supervisor said that they would not investigate and I had to contact creditors if creditors would not investigate I had to leave it as it was. I asked her to provide everything she said in writing and she refused. I then informed her that I was told by the CFPB that I had a right to dispute inquiries directly with the Credit Bureaus, as well as, obtain documentation used in the investigation. Nothing happened. 
In the meantime, the discrepancies go unresolved, because the creditors and credit bureaus are not on the same page. I currently have the following inquiries to be disputed : XXXX Date- XX/XX/XXXX XXXX XXXX XXXX Date- XX/XX/XXXX XXXX XXXX Date- XX/XX/XXXX I could not dispute the inquiries, because both the customer service representative and supervisor refused to initiate the investigation. 
I want all fraudulent and unauthorized information to be deleted from my credit report.
Consumer complaint received 2017-03-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC (CA)

Originally this loan was with XXXX. Without notice, the loan was transferred to LoanCare. It was until XX/XX/XXXX that the homeowner received an invoice from LoanCare that we knew the loan had a new servicer. In XX/XX/XXXX we contacted LoanCare and we were informed that the loan was still in the loading stage and that the full features for this loan were n't ready. We did inform LoanCare that we had been previously working with XXXX on a short sale and that all documents were submitted to them. When asked if we needed to resubmit the answer was no since all documents associated with that loan will be available once the loan was fully loaded in the system. In XX/XX/XXXX we contacted LoanCare and was informed that there was no update. In XX/XX/XXXX called again to follow up on the short sale and was informed that a new package needed to be submitted and that there was a sale date of XX/XX/XXXX. Immediately we email the short sale package as requested. For several weeks we are given the email and fax number to submit the short sale package and every time we submit the lender does n't receive. Again and again, the lender 's response is we have n't received it resent and are not given other alternatives to providing these documents. When we requested the sale date to be postponed we were informed that they needed to have the short sale package within 30 days of sale date. We have been trying for over 30 days to get the full package to them. Furthermore, when we called we were informed by LoanCare that this was not their decision to make on this file, to contact the Foreclosure Attorney. When we contact the foreclosure attorney, the Attorney states it is up to LoanCare to provide the instructions of whether or not to postponed. Also, when we requested an escalation and for management to assist in this transaction we were only referred to the loss mitigation department. This homeowner is requesting assistance for the first time to avoid foreclosure. She did the right thing by hiring us a professional Realtor to short sale her home the moment she knew she could n't afford to keep it. She did n't wait months and months. The only thing she is requesting is assistance from his servicer to allow her to short sale her home in an effort to avoid foreclosure. The lack of efficiency of a servicer should n't be allowed to be an excuse for this honest homeowner to lose her home through foreclosure. As I am writing this complaint, I called Loancare for a last attempt to get answers and their answer was the same. You need to contact the foreclosure attorney, to which I responded, They have told us they do n't make the decision. I was then placed on HOLD and after 18 minutes of holding there is no resolution. Please help me avoid foreclosure. I have gone through all the correct venues to work directly with the lender without a resolution.
Consumer complaint received 2017-02-24
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: GreenSky, LLC (GA)

i HAVE NEVERXXXX BEEN LATE WITH COUPLE ALWAYS MADE MY PAYMENT ON TIME EXCEPT THIS ONE TIME WHEN i DID NOT RECEIVE A BILLING STATEMENT AS USUAL AND i CONTACTED THEM TO WHERE TO MAIL MY PAYMENTS SO THE ADDRESS WOULD BE CORRECT THEY delayed giving me the correct address but it was mailed four days ago to XXXX which is the next city over fom mine. then tonight at XXXX they called me and wanted to collect the payment I told them i had already sent it to XXXX four days earlier and the they still wanted me to pay them tonight. I told them that they had called at almost XXXX at night and they state they are debt collectors. The girl could not understand that I had paid my payment and she isiseted that i pay it to avoid late charges. don ' like getting calls late at night