davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC (FL)

I XXXX an HVAC company, XXXX XXXX perform an HVAC tune up for me. While at my home, they solicited for more money about an HVAC service contract they thought I needed. I was on the fence about it, but they assured me it was necessary and covered any issue I would have for 5x years. When I received the contract, after signing up for the sale, I found it to NOT be as described. The price of XXXX only covers their " service '', which was vacuuming my air coil and does not cover any warranty or my HVAC and is only for 1 year ( 1 year of what is very unclear ). I called this company and other HVAC companies and found that the tune-up they performed should cost between XXXX dollars. I was definitely price-gouged and sold a contact I didn't need our want. Since this company works with GoodLeap to finance these " services '' I have a contract with a state of Florida 3 day right of cancellation, as stated on page 15 of my contract. I immediately cancelled the contract, via mail, return receipt requested, and with XXXX tracking. I have emails from GoodLeap acknowledging their receipt of my cancellation, but they still funded the loan, still paid XXXX XXXX, and have still refused to cancel this loan as required by state law ( it has been longer than 10 days since I cancelled ). XXXX tells me I have to work something out with XXXX XXXX and that after I do that, maybe they will cancel the loan, but it would take a long time. That is not how the law works. I want this contract cancelled per state law and I'm happy to provide the HVAC company with {$99.00} for services performed. Furthermore, the contract falsely states that I had an install performed when in actuality I just had a service and check-up performed. I know Goodleap is a large finance company, but they should still be required to follow the law of our great state and not make things up because they make more money that way. I have tried talking to several supervisors at GoodLeap and they refuse to follow the law, and the terms of the contract.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NJ)

On XXXX XXXX, XXXX I received a letter from Navient informing me my loan terms have changed with new terms beginning XXXX/XXXX/XXXX and ending XXXX/XXXX/XXXX. I graduated college in XXXX of XXXX and took out a 10 year term loan repayment plan which started XXXX XXXX and should have been fully paid in XXXX, 10 years from when I began loan payments. The balance to be paid over the new 10 year term ( XXXX to XXXX ) is now {$9500.00} as per the letter from Navient on XXXX/XXXX/XXXX. If the loans were properly set up and amortized when first originated in XXXX XXXX - why is n't the full balance paid at the end of the initial 10 year term from XXXX to XXXX? I called Navient upon receiving this letter dated XXXX XXXX, XXXX and the representative on the phone went immediately into applying for student loan forgiveness which I did not understand as that was not the intention of my call. When I got into specifics of the loan, the representative stated a letter was sent to me when XXXX ( now Navient ) acquired the loan. I located that notice dated XXXX/XXXX/XXXX which detailed the XXXX loans that were transferred from XXXX to XXXX ( Navient ). There is no mention on this letter of any change in terms, payment amount or similar. My loan payment amount remained the same as it was from initial origination in XXXX XXXX to all the way up to XXXX in which both loans were fixed rate term loans. If my payments were set up over a 10 year period starting from XXXX XXXX, I am not understanding why my loan has n't been fully repaid 10 years from XXXX XXXX. Instead, I received a notice stating a balance of {$750000.00} considering interest ( total {$9500.00} ) is now being rolled into a new term initiating XXXX/XXXX/XXXX to XXXX/XXXX/XXXX - at which point my payment has been reduced to {$79.00} per month. I left the call dis-satisfied and my questions not answered at all by Navient. Then I received another letter from Navient on XXXX XXXX, XXXX, stating 'We recently sent a letter detailing a required change to your monthly payment. We would like to further explain the reason for that change to help you better understand why the change took place '. Further stated, 'Navient is required, based on all of your outstanding loan balances that are included in your consolidation loa, to use the maximum number of months allowed for your repayment period. This did not occur at the time of your loans were originally consolidated. Navient is obligated to correct your repayment terms to comply with federal regulation and notify you of the change. ' So as a result - my loan has been 'reset ' as they put it to this new 10 year term, with a new balance and new payment. When it should have been fully paid off 10 years from my first payment in XXXX XXXX. I did not bother calling back Navient as they were of no help when I first received the letter dated on XXXX/XXXX/XXXX, instead I decided to go the route of contacting the CFPB and BBB.
Consumer complaint received 2016-01-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (LA)

Pioneer Credit Recovery , Inc. contacts our business multiple times every day in reference to a worker 's personal debt despite being advised over and over that this is a business and our workers are not allowed to take personal phone calls on business lines. These tactics include calling the direct lines of every employee which are listed on our website. The calls usually total more than 10 per day.
Consumer complaint received 2023-10-30
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: EQUIFAX, INC. (FL)

I am writing to express my deep frustration and dissatisfaction regarding the numerous attempts I have made to correct late open accounts on my credit report. These inaccuracies have significantly impacted my credit score and financial standing, and despite my best efforts, the issue remains unresolved. 

The following issues persist on my credit report : I have repeatedly tried to rectify the inaccuracies in my credit report related to late open accounts. These late open accounts do not accurately reflect my actual credit history, as I have consistently made timely payments on all open accounts. However, these erroneous entries continue to mar my credit history, adversely affecting my ability to access credit and other financial opportunities. 
I have made numerous attempts to resolve these issues by contacting the respective creditors, submitting dispute letters, and providing supporting documents, but there has been little to no response or resolution from your end. I understand that the accuracy of credit reporting is crucial, and I am committed to maintaining my financial integrity. 

I kindly request your immediate attention and action in investigating these inaccuracies on my credit report. I expect a thorough review of the information I have submitted and prompt correction of these errors. I also request that you provide me with written updates on the progress of this dispute and the results of your investigation. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and will take any necessary legal actions to resolve this matter if these discrepancies are not corrected in a timely manner. It is my hope that such actions will not be required and that we can work together to rectify these inaccuracies promptly. I am asking for your immediate assistance to correct the following late open accounts : XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXX XXXX Balance : {$8300.00} ; XXXX XXXX  XXXX Balance : {$20000.00}.
Consumer complaint received 2015-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: The CBE Group, Inc. (AL)

Called my wife at work after I told them to stop calling me, failed to provide proof of debt, placed their bad information on my credit report therefore damaging my credit, and call repeatedly from various numbers after I have blocked previous numbers. 

The list of things they do goes on and on but this is enough. After searching XXXX, this seems to be a common practice of this company. Also, refused to tell me who they were and why they were calling.
Consumer complaint received 2016-05-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XXXX/XXXX/2016 My mortgage payment was submitted to Bank of America electronically on their Bill Pay web site from my Bank of America checking account to my Bank of America mortgage. 
On XXXX/XXXX/2016 My payment was refunded to my checking account and a late fee was assessed. I have called and asked for the late fee to be removed because the payment was sent and received and subsequently returned. I have made numerous phone calls and have been told the fee can not be removed.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-10-30
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. (WI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$67000.00} XXXX XXXX Balance Owed : {$6100.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$5600.00} XXXX XXXXXXXX XXXX Balance Owed : $ {$940.00} XXXX  XXXX XXXX Balance Owed : $ {$660.00} XXXX XXXXXXXX XXXX Balance Owed : {$170.00} SXXXX XXXXXXXX Balance Owed : {$2000.00} XXXX XXXXXXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$69000.00} XXXXXXXX XXXX XXXXXXXX **** Balance Owed : {$5600.00} XXXX XXXX Balance Owed : {$2000.00} XXXX  XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$7600.00} XXXX XXXXXXXX Balance Owed : {$6600.00}
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with 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 in 60 days to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TN)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2016-07-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This is a follow up to complaint numbers : CFPB # XXXX, XXXX, and XXXX ( filed under my former last name XXXX ) against Bank of America and XXXX XXXX. Both companies indicated in XX/XX/XXXX that they would submit and correct my credit report. Bank of America indicated that they would correct my credit report to reflect that the accounts were paid as agreed via short sale in XX/XX/XXXX. I learned today after applying for a loan, that my credit report still shows me owing Bank of America and in the amount of over XXXX dollars!!! I have no idea what this loan is for and it has the same loan number as the one paid under the short sale. 
XXXX XXXX should also be deleted from my credit report. I feel that Bank of America is continuing to harass me and purposely putting incorrect information on my credit report. Please help.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX E-mail : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX Subject : Dispute of Unauthorized Hard Inquiries on Credit Report To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. These inquiries are listed below on Experian, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize these inquiries, and I believe they are the result of identity theft. I did not authorize anyone to inquire into my credit on these dates. These inquiries are suspicious and potentially fraudulent, as I have not applied for credit with these institutions or authorized any transactions with them. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information on my credit report. These unauthorized inquiries could adversely affect my credit score and financial standing. 
I request that you investigate these inquiries promptly and remove them from my credit report as they are unauthorized and potentially fraudulent. Please provide me with a written explanation of your investigation results and any actions taken. 
Enclosed are copies of my identification documents and any other relevant information to support my dispute. Please contact me at the above phone number or email address to confirm receipt of this dispute letter and provide updates on your investigation. 
Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-09-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TX)

For over 3 years I have tried to have XXXX XXXX and now Navient send a monthly billing statement to the student for her loan. 
As of today that is still not happening. 
I have called, I have sent emails, etc. 
There web site does not allow for this request. 
The loan number is XXXX
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 XXXX XXXX XXXX
Consumer complaint received 2016-02-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

private loan company NAVIENT certified my student loan under conditions of False Certification of Ability to benefit. 
Navient certified my student loan for XXXX XXXX XXXX XXXX Now located on XXXX XXXX XXXX XXXX, TN XXXX on XX/XX/2006 without me having a high school diploma from United States, nor any transcript, nor did school give an entrance examination before I was admitted to the school. 
This action by Navient is clearly MISS LEADING student loan borrower.
Consumer complaint received 2023-04-29
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

US DEPT OF EDUCATION Last reported XXXX XXXX, XXXX {$17000.00} US DEPT OF EDUCATION Last reported XXXX XXXX, XXXX Reported balance {$4800.00} XXXX XXXX XXXX XXXX Last reported XXXX XXXX, XXXX {$2200.00} XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX  XXXX XXXX Last reported XXXX XXXX, XXXX XXXXXXXX XXXX Last reported XXXX XXXX, XXXX Reported balance {$490.00} XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX VOLATIONS 15 U.S. Code 45 15USC 1681b ( a ) ( 1 ) ( 2 ) 15 USC 1681a ( 2 ) ( b ) 15 USC 1681e ( b ) 15 U.S.C. 1692g
Consumer complaint received 2016-01-30
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

In XXXX XXXX Bank of America discontinued sending me statements and bills for a credit card I had with them. I had closed the account and was paying off the balance. Since I had many accounts at that time I really did not notice I was n't getting statements. I never received a single letter, phone call, or other notice that the account was delinquent. In XXXX of XXXX I discovered that they had charged off the debt and it was a huge blemish on my credit. I immediately contacted them, and requested copies of past statements and notices, as well as notifying them Imwanted to pay the debt. I never heard from them, nor did I receive any of the requested information. In XXXX I received a notice in the mail that they had cancelled the debt and I had to report the income to the IRS on my taxes. This is incompetence at best, and it has destroyed my credit rating. Bank of America has made no effort to collect this debt despite my attempts to resolve this issue.
Consumer complaint received 2017-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

I am currently repaying a student loan to navient department of education loan servicing the problem is the interest rate is very high and they have divided my loan into XXXX so the interest is higher and I have seen on the local news that many other customers are being charged very high interest rates from navient the interest that I have paid is well over the amount of principal paid
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MI)

My experience with Navient, formerly XXXX XXXX, is identical to the issues described in the lawsuit that was just brought against them. My payments have changed multiple times, each time increasing and each time I called they would say it was a mistake. I called to try and get a lower payment, and they told me that was all they could do, and then the next month told me I was 3 months behind on payments! I get charged extra fees every month for this supposed late payment, which never happened. I also verbally agreed to have my payment taken out of my bank account each month, and some months they take it out, and other months they do not ( and I DO have money in my account to cover the payment, so it is n't my fault ). The months they do not take it out, they tell me I have to call back when the loan is late ( pass the grace period ) so that they can help me. Lo and behold, when I call back exactly when I was told, they tell me I owe them fees. Every single month they tell me my payment has been made late, and charge me a new fee, but THEY TAKE OUT THE PAYMENTS! I 'm paying so much in fees it 's a joke. Every time I call, there is a different story about why these fees are being charged, despite paying on time every single month. I have n't paid down ANYTHING on these loans in 10 years because of fees and crazy changing payments. I hate Navient and their customer service is horrible and full of lies. Hopefully something can be done, or my credit will be ruined and I will be in debt to them for the rest of my life.