davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (FL)

This debt is apart of class action suit against XXXX and another company has bought their paper at pennies on the dollar. 

I was sold a lemon from the dealership and XXXX didn't care about it. I was making my payments on time until I began having major problems with my car. 

They showed on my credit report that all but 1 payment was on time and have continued to harass me all these years since 2016. 

Here are a few suits in the process : https : XXXXXXXX  XXXX https : XXXX  Here is another lawsuit : https : XXXX Now this new company : NCB MANAGEMENT SERVICE is doing the same thing and has reported a debt that was original with Santander Consumer USA. 

I never received anything from NCB MANAGEMENT SERVICE regarding their purchase of the note at a discount. They are a Factoring Company that buys bad debt in bulk and harass consumers for full payment amount when debt has already been discharged.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CURO Intermediate Holdings (CA)

Apparently Speedy Cash did not do their due diligence when issuing a loan to someone using my identity last XXXX. They sent the loan to a collection agency " XXXX  XXXX XXXX XXXX  '' which put it on my credit report as a collection. I have my credit locked with all 3 agencies and they couldn't have gotten the report to issue the loan in my name. But they have put it on my credit report dropping my credit score from XXXX down to XXXX. Now partially because of this I have on credit card ( XXXX balance ) closing because of " collections '' on my report. I have tried to resolve this issue with Speedy Cash, I have sent them the police report on file with the XXXX XXXX Sheriff 's department. file # XXXX. 
I have not had any response back from Speedy Cash, I have filed a dispute with XXXX, but XXXX XXXX has insisted that the collection is warranted. 
On one phone conversation I had with agents at Speedy Cash I found out that they have since issued additional monies to this same person.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

I applied for a business loan with a company called XXXX. They asked me for business banking statements, and then offered me a loan at 80 % interest APR. They said the reason was due to " my personal credit score being below XXXX. '' Our business is a separate legal entity ( LLC ). 

I never gave this organization the authorization to access my personal credit report. I was never asked, and never told that my personal credit would be accessed. 

They violated my trust and accessed my credit file without permission, and now have caused my credit score to go down further, having done a " hard pull '' of my credit report from Equifax and XXXX
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Someone got hold of my credit information for XXXX XXXX, XXXX XXXX XXXX and used my cards which Ive contacted the company right away and they removed the negative items from my credit report and now its back
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX card closed my account on XX/XX/2020 because inactivity.This is not the case. The truth is XXXX card closed my account because of the covid-19 pandemic as well other peoples accounts.As soon as the covid-19 pandemic hit especially in michigan where i live, XXXX immediately closed my account.From reports i read and listening to the news, XXXX and other credit card companies decreased limits or if there was no balance, they closed the accounts.Because of this, my credit score has decreased and this account will show closed for many years hurting my credit and score.I have tried fixing this but im not getting anywhere.This must be looked into.Its not fair what they did
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for Charge Off and collections. I have tried numerous times to have this situation resolved with no resolutions.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (AL)

I settled this account for less than balance due but is considered paid in full. Their policy is to delete from credit report after payment of in full or settled for less than balance, however this account is still on my credit and has not been removed.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Since XXXX ( 4 years ), I have been trying to get Bank of America to update the information used on my mothers profile which Contains my social with my mothers name and address. During a XXXX software update, Bank of America admitted to merging profiles of same names and accounts that were held within the same home address. The last time I had a checking account with Bank of America was in XXXX. I moved mid XXXX and was married in XXXX, so I have not resided with my mother in 15 years and Ive had a different last name since XXXX. 
My mother has a credit card with Bank of America that has been open since the early XXXX when I was still a high school student. 
In XX/XX/XXXX my mother was solicited for a rewards version of her Bank of America credit card. The teller mistakenly pulled my credit and open the account under my social security number despite my mother presenting her own credentials. As soon as I got an alert regarding the hard inquiries and new credit card. I called to file a complaint and issue a fraud alert. The card was closed and BoA admitted to mistakenly using the wrong profile yet again. I do not understand why they have certified the information on my credit to be truthful when I have not done business with them in 15 years. I now have 2 new hard inquiries and another credit card shown to have been opened and closed on the same month on my credit report which do not belong there.
Consumer complaint received 2016-04-23
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I did not recognize a credit card charge and disputed the charge. I received a letter informing me that the charge is valid, without additional detail on who the merchant was. 

I still do not recognize the vendor and still do not know what this charge was for. 

The charge is only {$5.00} but if this is because a hacker is siphoning off a few dollars off of everyone, then it still deserves to be investigated.
Consumer complaint received 2016-01-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (OH)

Navient refuses to answer questions regarding payment plans. I have records of several e-mails where Navient 's only response is to " call them '' but then when you call in, there is no accountability for what is said over the phone. Navient has made absolutely no effort to work with me, a professional in my field with a credit score of XXXX, and instead has pushed me to look into options of bankruptcy as their current payment per month would quickly force me to choose between paying my mortgage, or paying my student loans.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I would like to dispute the following inaccurate accounts on my credit report. 

XXXX : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX Date of inquiry : XX/XX/year> XXXX : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX DEPT OF EDUCATIONXXXX Account Number : XXXX DEPT OF EDUCATIONXXXX  Account Number : XXXX DEPT OF EDUCATION/XXXX Account Number : XXXX DEPT OF EDUCATIONXXXX  Account Number : XXXX DEPT OF EDUCATIONXXXX Account Number : XXXX DEPT OF EDUCATIONXXXX  Account Number : XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX DEPT OF EDUCATIONXXXX Account Number : XXXX DEPT OF EDUCATIONXXXX  Account Number : XXXX XXXX BANK Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX TransUnion : XXXX XXXX Date of inquiry : XX/XX/year> XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2016-05-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I completed my IBR paper work over XXXX XXXX XXXX XXXX months ago. XXXX XXXX aka Navient states that they received everything but they are refusing to update my status on IBR. XXXX XXXX is failing its duty to the XXXX and the XXXX as the loan servicer. XXXX XXXX is dragging its feet to push me into default, so that XXXX XXXX can collect 130 % on the loan instead of 100 % of the loan.
Consumer complaint received 2016-07-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OH)

Unfair lending practices, charging of erroneous fees, inflating balance over the years with the ending balance going up while making payments on time. I have complete documentation and a letter that is being sent to Navient regarding this situation that I would like to send. As it goes step by step.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

For over four years since XXXX, I have been trying to do a loan modification and/or short sale on a property located at XXXX XXXX in XXXX XXXX, MO through the financier, Bank of Americaa. This home, valued at {$20000.00}, has a balance of {$76000.00} owed, due to the over estimation of the value by BAnk of America. In XXXX, I attempted to short sale, and as recently as this year. Each time, BAnk of America mandated that I take off work, to the Bank to take tons of paperwork, submit tons of paperwork, only to both sides decide for no logical reason that I could not short sale. In XXXX XXXX, BoA even had their appraisers to come and substantiate the value of the {$20000.00}. Then after securing a buyer that agreed to even pay an extra {$5000.00} over their agreed-upon amount and having a closing date, they once again told me about a week before closing that they would not allow me to sell it and that I could, in their words, " afford to keep it '', even I submitted the cost that I 've incurred and that I am in the red because of this property. I was given a representative at Bank of America for assistance, only for her to tell me that she ca n't do anything for me. On top of it, they charged me " legal '' fees for a short sale that they did n't even allow!!, plus cost in leaving work because they needed me to come into their bank to [ BoA ] to fax papers. During both attempts, I used a representative real estate agent that specialized in short sales. This bank is atrocious to it 's customers. They refuse to return calls in timely manner. BoA deliberately tries to prevent short sales. I would receive less than 24 hour notices to submit paperwork for this short sale, while they would take a week or more to even reply. Additionally when I asked about modification or HARP, I was told that they could n't help me. This bank needs to be investigated.
Consumer complaint received 2015-05-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XXXX children submitted a Power of Attorney form to the Bank of America office in XXXX XXXX, Virginia at least five weeks ago on a Saturday. The representative told us they would send a copy to their Legal Department for authentification and it would take about XXXX hours for a reply. Each week since I have called or gone to the bank and have been put off for XXXX reason or another. Five weeks is too long I believe. Can you Help.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MS)

This was a private loan that was attained for school. The loan was initially a private student loan with XXXX XXXX. The loan was all of a sudden sold off to Navient. The amount of the loan was never confirmed. After the loan was transferred, Navient requested a full payment of a loan in the amount of over {$15000.00}. After speaking with customer service representatives on several occasions, it was determined that a payment amount of about {$600.00} would be needed, even though I was not working at the time.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2016-09-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XXXX/XXXX/16, I received a call from a representative of Bank America. Her name was XXXX. She informed me that an unknown person in Florida had applied for and was issued a XXXX with XXXX XXXX. I did not apply for nor authorize such a card. A charge of {$2100.00} was approved. Attempted charges with XXXX in the amount of {$2800.00} was declined. My address on the record in XXXX XXXX XXXX XXXX. Why would Bank America issue a card to someone in Florida without contacting me about the different address.
Consumer complaint received 2016-02-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MA)

When I first went to XXXX XXXX in XXXX, MA, they had told me how they would place me in a job in that field. I completed in XXXX with a XXXX. That never helped me in obtaining a secure employment in that field. I ended up working for temp angencies. Then I became XXXX in XXXX and have been out of work since. My loans were through Sally Mae. They have been taking money out of my benefits since XXXX. I 'm should be getting $ XXXX mth but I actually only receive $ XXXX mth. I 'm a single parent trying to find a way to get back to work but it has been hard with my XXXX. I also tried to go back to the XXXX XXXX for my XXXX because they told me that they were now accredited and I would be able to transfer credits to XXXX XXXX XXXX. I went for about two weeks and just could n't make it to classes because of my XXXX. When I went to tell them this and needed to drop out. I was told that I would still have to pay. I am barely making ends meet with the income that I receive, I do n't need these loans huvering over my head. Especially when I 'm trying to get my credit straight as well. I want my loans to be Discharged.
Consumer complaint received 2016-12-23
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I 'm dissatisfied that Bank of America is charging me {$5.00} to replace a defective debit card they forced on me with the " enhanced chip technology. '' The chips are so fragile that unless you keep each card protected in a silk sleeve, locked up in a safe deposit box 3 stories underground with an armed guard, it 's not going to last. Every checkout person I 've talked to says it 's incredibly common, so I know Bank of America is replacing countless debit and credit cards for their customers due to defective technology, but instead of doing the right thing for the customer and replacing the card for free, they charge {$5.00} and leave the customer with the impression that it must be our fault. Sure, it 's the customer 's fault. Is that the brand Bank of America wants to promote?
Consumer complaint received 2016-10-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

During the term of my Mortgage loan with Bank of America. I have paid from time to time " Principle '' payments along with my regular monthly payment in each case Bank of America has misapplied these funds. Upon discovery I wrote them with their online interface to advise BOA of the same. Their response was that they would apply first to outstanding interest IF payments were late then principle owing for that payment then if the payment was on time they would apply principle. I was on time with my payment in every case, I specifically designated the payment I had chosen for Principle. The next time I logged on the option to pay principle online was removed. I inquited in their online interface asa to why? BOA responded that they had " issues '' with accounting on this option in the past. The next log on I again applied my usual payment and designated Principle only to discover that it had been applied to INTERST. You need to be aware that BOA is not applying payments in accordance with their agreed upon contractual arrangements.
Consumer complaint received 2015-10-15
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I received a past due notice on an account that was closed many months ago, perhaps it was even a year or more ago, I do n't remember exactly. Apparently even though the account was closed, Bank of America agreed to honor a charge this summer from XXXX 's List. According to Bank of America, it is impossible for me to close my account in such a way to guarantee that future attempts to bill me will not occur. This is unacceptable. I know from my own personal prior experience, they can set up their computers to reject future charges to a credit card that is expired. Obviously that 's what they do when they suspect a credit card has been stolen. But BofA is telling me its impossible to really close my account. Or they are telling me that " closing my account '' does n't mean reject all future charges. This is crazy. It should not be impossible to close an account and request that all future billings to said closed account be rejected.
Consumer complaint received 2023-07-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (MD)

I NEED XXXX XXXX MORTGAGE STATEMENT. MY PREVIOUS COMPLAINT WAS CLOSED BY XXXX XXXX WITHOUT FULFILLING MY REQUEST FOR XXXX XXXX MORTGAGE STATEMENT. I NEED THIS STATEMENT BY XX/XX/2023 TO PROVIDE TO A HOUSING COUNSELOR FOR MORTGAGE PAYMENT ASSISTANCE. PLEASE PROVIDE ME THE STATEMENT ASAP. THANK YOU!
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

Years ago when I graduated college I was using sallie Mae and I defaulted on my loans because I was told I had Absolutely no other option. Now my credit SUFFERS an has suffered for YEARS! I can not sign for my own apartment or buy an apartment or refinance my loans ... I can do NOTHING They ask me to pay astronomical amounts knowing my income range and then all my payments go to interstate and do n't touch the balance. If anything my loans have increased the last 4 years even though I 've been paying XXXX $ a month!