davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (ID)

I Had XXXX deposited into my account at usaa federal savings the money never posted to be used by us. The money was misappropriated ..so we turned to fdic and after talking with XXXX at fdic she worked out a agreement with usaa for us to be paid back at a interest rate of 40 % for every 2 weeks they held our money. And after atleast XXXX requests from XXXX for a copy we can not even get a return phone call from her ..we have recorded phone calls of her stating she was sending it, our complaint is for XXXX to provide a copy of the agreement or our money to be paid back at the agreed upon interest rate
Consumer complaint received 2017-01-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: KEYCORP (NJ)

I had my car loan from First Niagara Bank since 2015 but was changed to Key Bank, since the first payment made I have had issues with Key Bank properly posting my payments. On the first payment, the remaining or extra amount that I had sent was posted to the following months payment even though I specified that I wanted it posted to the principal. Then for the following 2 months, my payments, which have all been sent in on time are showing up on their end as late. I have also received XXXX late fee charges for this. This month, once again my payment was not posted correctly because my minimum payment for the month is twice as much. I have to spend hours on the phone every month to correct what is being done wrong and every time I am told that it will be fixed yet it continues to happen.
Consumer complaint received 2015-03-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (AR)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I sent a letter to Experian letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Experian did n't remove the accounts they sent me a letter back saying that the items had been verified. I have requested an investigation and re-investigation on XXXX 2016, XXXX, 2016 and again on XXXX, both times my request were ignored. I am asking that these accounts be removed as they are fraudulent and XXXX request to be investigated have been ignored.
Consumer complaint received 2016-05-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (LA)

We have requested information from roundpoint concerning payment information this company has refused to follow legal documents and have added all types of additional fees and interest, we have sent in copies of documentation this company refuses to follow and know sent a default and intent to accelerate we have all receipts from making good faith monthly payments
Consumer complaint received 2023-07-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

According to 15 U.S.C 1681b- Permissible purposes of consumer reports. There are information that is illegally reported on my credit report. I did not give written consent to report any of these accounts. Furthermore 15 U.S.C. 1681c-1 states that this is identity theft without my written consent.
Consumer complaint received 2017-02-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (VA)

I reviewed my account around XXXX 2016 and disputed some inaccuracies on my credit report. I completed a dispute with Experian to ensure that inquiries from XXXX, XXXX, XXXX, XXXX, XXXX ( which appeared twice ), XXXX, XXXX be investigated as they were inaccurate. I reached out to the vendors to verify most of the inquiries and they stated that I never even had an account open with them.
Consumer complaint received 2017-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

I have tried to work with Navient on the following issues : 1 ) The name on the loan, I am the parent and my name is on the loan. Both my son and I have tried to get this corrected for over 10 years and the information is still not updated. So I have been forced to carry this loan in my name and on my credit report. The second and most frustrating issue is that Navient will not allow us to pay this loan off without paying the interest for the entire loan in advance. Navient said that they will not allow us to pay additional amounts on the principal of the loan so to date we have paid {$14000.00} of interest on a {$35000.00} loan. When I call I am only offered forbearance which will only extend this loan. I am XXXX years old and at this rate I will die before paying off this loan. And finally my loan has been sold several times and each time payments were lost and I am not confident that the repayments were directed to the new owner.
Consumer complaint received 2016-07-24
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Hello CapitalOne Team, Hopefully you will be able to assist in treating me like a valued and respected customer. I have had your cards in excess of a year +. 
XXXX card, I opened as a Secured card to help in rebuilding my credit and the other card, a Quicksilver - was a regular approved CL. 
Recently I had been asking about increasing my limits to more respectable limits and have only been told that : 1, I ca n't increase limits on secured cards ; that there is no longer a way to make deposits to the program. That only Capital One Proactively reviews accounts for good history and determines that a customer should be rewarded with additional money on the card account. That 's not a fair trade off to help improve ones position. 
2, that limits are granted every 5-6 months. 
Since I have opened these card accounts, I have been able to successfully improve my credit position, and have since seen approvals with other major banks, being XXXX and XXXX. 
My credit lines with these banks, have doubled/tripled what Capital one would even consider me for. Therefore my loyalty lies with using their cards over my CapitalOne cards, since the flexibility in those lines appeal to me more. 
I would like to have CapitalOne share in my sending and be able to be used more actively, but I ca n't do this with toy limits. 
I am requesting that you Proactively review my Secured-Line and increase that balance substantially, as well as my QuickSilver line. I would like a respectable amount of credit to be granted immediately.
Consumer complaint received 2017-02-17
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: O&L LAW GROUP, P.L. (FL)

I have a settlement that I am paying off through Attorney XXXX at O & L Law Group XXXX, FL XXXX. 

The settlement is for {$4700.00} and payments began in XX/XX/2015. I have sent written communication to this debt collector over the past 6 months requesting the account balance. I have yet to receive any communication from this debt collector regarding my account balance, however did receive a letter that my payment was late with them one month.
Consumer complaint received 2016-10-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am caught in a very frustrating wormhole.My wife and I have gone to the branch, four times ; I spoke to a representative at consumerfinance.gov ( XXXX ) for about an hour and a half and told her my WHOLE STORY. She assured me that a rep would call me with a resolution. I filled out a survey ; XXXX XXXX left a voicemail but upon returning the call, I got XXXX XXXX, who told me a lot of nothing. MY PROBLEM is that the branch at BoA XXXX XXXX drilled my safe deposit box and is holding my contents. They have provided no reasons ; no explanation as to why this was done. All of the answers I get is what should have happened ; that the bank sent out several compliance notices and that I failed to answer them. I asked what information could they possibly have been requesting ; everyone speculated that it could have been a missing social security number or address or phone number. I 've had that safe deposit box at XXXX XXXX since XX/XX/XXXX ; prior to that I had one at the XXXX XXXX branch. I 've had that box here in XXXX XXXX over 30 years. I added my wife XX/XX/XXXX, the year we were married. We were asked to come into the branch about XX/XX/XXXX, XX/XX/XXXX and to this day, I do n't understand the info they were requesting. The branch asked us to return to the branch and we did again, in the same week. The so-called information we submitted those two times in the same week was the EXACT SAME information we submitted XX/XX/XXXX. I received NO letters, emails, nothing EXCEPT a letter stating that the box had been drilled. To this day, in speaking to the branch, in speaking to XXXX for over an hour ; in speaking to XXXX XXXX and ANOTHER rep at consumerfinance.gov, I still have not retrieved my belongings from BofA and no one has given me a real, true, concrete reason as to why the box was drilled. I know what the problem is : no one at BofA knows the reason the box was drilled ; there is only wild speculation as to what " should have happened '' and " notices would have been sent out requesting various information '' but the fact that the box was drilled, there had to have been a serious, egregious issue, to which, no one has offered one scintilla of comprehensive facts as to the reason the box was drilled. What I am advised now is to go back into the branch and request that they give me my belongings. That 's where all this confusion started.
Consumer complaint received 2016-05-11
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: Credit Bureau Collection Services, Inc. (IL)

On XXXX XXXX, 2016 I was contacted by a collection agency on behalf of XXXX XXXX XXXX regarding an electric bill which was due for payment on the XXXX of XXXX 2016. However, I never received any previous notification regarding this debt.
Consumer complaint received 2015-12-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

I did not authorize the following hard credit inquiries that appear on my credit reports and would like them removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2016-02-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (OH)

Ally Financial blocked me from viewing past payments history online, to see if there 's any missed payments on the account.According to the [ EUTA ]. 
Electronic and Record Act I should be able to access and retrieve records / data online if I did business electronically with Ally via. eBill, email or any other type electronic transactions. Ally Financial used my personal authenticity [ username and password ].
Consumer complaint received 2015-05-30
Product: Credit card — 
Issue: Privacy — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

My sister and I both have applied for the same credit card which was the XXXX card by Capital One. Neither of us have yet to receive denial letters via mail, my application was almost 30 days ago. However instead both of us have received emails regarding our denial letters. We enter the credentials which were our XXXX and XXXX. When we entered the credentials we noticed it was someone else denial letter. Completely different name and everything. This is a privacy issue especially considering we both got someone else 's denial letter. I have contacted the Executive Office and their XXXX XXXX regarding this issue and still have not received my denial letter. If i am not mistaken a company needs to send your denial letter, but to receive someone else 's letter just seems to be a privacy issue.
Consumer complaint received 2016-10-03
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

To Whom It May Concern, Bank of America gave me a HELOC loan on my house that is in a Commercial zone. There are other single family homes within this Commercial zone and this is allowed by the zoning in this area. Bank of America is now trying to change the HELOC loan to something else in order to do a " Commercial '' short sale which in turn means that they are trying to unilaterally make changes to the terms and conditions of the loan. This is all outlined in detail in a attached .pdf named XXXX.
Consumer complaint received 2015-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

i obtained a copy of my credit report # XXXX from Experian. It shows XXXX hard credit inquiries ; XXXX of them I never requested or have any knowledge of the companies. Some of listed XXXX times for the same day, i.e. XXXX XXXX, XXXX XXXX, XXXX, XXXX 's, then another inquiry from them XXXX XXXX, XXXX. I did not apply to XXXX for credit. XXXX XXXX XXXX 's on XXXX XXXX, XXXX for XXXX XXXX XXXX. then for XXXX XXXX XXXX. I did apply with either XXXX of these companies. XXXX Bank inquiries on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, again. I did apply to or through a company associated with XXXX Bank. XXXX XXXX I have no idea who this co. is but I have no association with them. XXXX XXXX Bills on XXXX/XXXX/XXXX, never applied to them. Experian XXXX 's on XXXX/XXXX/XXXX, then again on XXXX/XXXX/XXXX. Why are they showing up XXXX times as a hard inquiry on my credit report, from them? This information is inaccurate, at best. Note : I previously had accounts with XXXX and XXXX but they were legally discharged under a XXXX bankruptcy shown on the credit report. I have not had any accounts with them since then and there is no legitimate reason to show active credit inquiries from them.
Consumer complaint received 2016-08-17
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XXXX 2007 I applied for a personal loan at my bank Bank of America here in XXXX XXXX, Fl, the load was for a XXXX XXXX XXXX that was for sale at a very good price. So I needed to move on the sale, XXXX XXXX XXXX was the XXXX and man who handled the loan! On XXXX XXXX XXXX XXXX called me to come over the bank to sign for the loan, when I got there he told me for some reason the bank had made it a secured loan with my house ( which was paid for ) as security. ( my home is valued at about XXXX ) I did n't like the idea, but thinking XXXX XXXX was a friend and I had been doing business for years with him I accepted it, mostly because he told me I could pay ahead and have it paid off in a short time ( the loan was for 15 thousand dollars and it was for 25 years ) I have been paying, and doubleing up payments and sometimes more, I noticed that the balance did n't seem to be going down even though my agreement with XXXX XXXX was that any payment over the base amount would go toward principal! 
Upon checking I found that the bank had not been doing as they agreed and between XXXX XXXX, 2007 till now I have paid {$9600.00} in intrest and if I continue to pay as they want I would be paying over 100 % intrest on this loan. I would thing that this loan, was called a simple intrest loan, is named that because a person has to be simple to accept XXXX, in fact when I complaind to the bank the woman laughed and said they do n't give these loans anymore! I woulf like for Bank of America to go back and figure what I ouw then if they would have followed the original agreement I had with the loan maker XXXX XXXX XXXX Bank Manager and loan maker!
Consumer complaint received 2015-10-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have been with Bank of America for months. I had half of my check going into bank of america for direct deposit and the other half of my check into XXXX. I transferred the funds from my XXXX unto Bank of America. There was a misunderstanding on why the check did n't clear. The check totaled a little over {$700.00}. Saturday XXXX/XXXX/15 I withdrew XXXX I actually saw the check clear on XX/XX/2015.I did n't withdraw anything else because I knew XXXX/XXXX/15 my direct deposit would hit and I would have enough money to pay my rent. I was not notified that the check dint clear. I wasnt notified of anything being wrong at all. Instead of contacting me. Bank of America Maliciously waited for my direct deposit to hit, and CLOSED MY ACCOUNT SAYING NOTHING! When I went to the branch they advised me the check did n't clear. I was confused and said well my direct deposit should have definitely been enough to cover the {$200.00} if there is any issue. They took my money and closed my account and then reported me TO CHECK SYSTEMS. NO EXPLANATION NO NOTHING! I AM UNABLE TO OPEN UP ANY OTHER ACCOUNT! I OWE BANK OF AMERICA XXXX DOLLARS AND FOR ME TO HAVE TO PUT A HOLD ON MY DIRECT DEPOSIT AND THEM TO REPORT ME TO CHECK SYSTEMS WHEN I OWE THEM NOTHING-IS UNLAWFUL, AND MALICIOUS INTENT
Consumer complaint received 2015-06-09
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I called Capital One Mastercard on about XXXX/XXXX/2015 to request an interest rate reduction and spoke with XXXX ( ID # XXXX ). Shortly thereafter, I received notification that our mailing address was changed. This was performed without our consent by " XXXX '' and after confirming with Capital One, our address in fact had stayed identical. 

As a result, their website refused to accommodate my request for a payment due date change, making it impossible for me to extend the due date of my {$4700.00} balance, because the statement closed the day after I attempted to do so online. 

Despite this egregious error, Capital One refused to correct the error and enable the date change on the website. Furthermore, they refused to extend the due date on my ~ {$4700.00} balance.
Consumer complaint received 2015-09-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

XXXX/ Navient are liars and thieves, as I was working for the XXXX, I could not promote due to a economic crises/ a freeze in Hiring, they Violated my rights as to tell me about the income based repayment system or did n't want to help me in any way. They forced me into default due to the rise of the economy and said I HAVE TO PAY XXXX dollars a month no matter what!. When I spoke to a lawyer the said I was " by law pay XXXX dollars a month ''. They all ways called my phone, contact me at working hours, and violated my rights and lied to me. Every time I called them the message said the did n't want to speak to me and sent me somewhere else ... I 've been very much fed up with them and I was treated like an animal..I have reported them to the XXXX..and would like action taking against these people, as a government back business I thought I 'd be in good hands, I was wrong. I Have payed off my Federal loans and they even screwed up on that ... possible even pocking the money ... I should n't have gone through all of this for a college degree. They forced me in default to get a lot more money out of me, which is wrong and I got XXXX over. I 've been looking at other complaints and almost all of them are the same as mine. Please help me here Thank you
Consumer complaint received 2015-04-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (TX)

Since Ally Financial has taken over both my car loan and my husbands, we have had nothing but problems. When they took over for GMAC, I had no late fees on my account and then suddenlty with ALLY I continually have late fees. I have written them time and time again but to no avail. They now call all the time either for my husband and myself or just for my husband on my personal phone. I have sent them proof of payment any number of times but am continually harrassed with phone calls. They even attemped to have my car repossessed even though I had proof of payments. Now my husband has not received a statement from them since XXXX and now I am not receiving any statements for several months. Enough is enough. Almost every day I have to block their calls. 
Some agency needs to take a look at these poor financial practices by Ally. We never had problems with GMAC. I am sure that with all the late fees they tack on, my credit will be hurt. When I send them proof of payment, they never acknowledge anything.
Consumer complaint received 2016-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I 've had some fraudulent activity show on my credit report and have been working hard to clear it off. TransUnion is reporting a TAX LIEN for $ XXXX?! /? and it 's not mine. They still are reporting it and wo n't remove it. It 's with a court in CA and when I go to that court 's website you ca n't pull up any records showing this. I 've never owed any taxes like that in my life. Someone used my information to either run a business into the ground and that 's why their 's taxes.. i do n't know. Please assist me to have transunion conduct their process. Also there is XXXX collections but the tax lien was the main problem.
Consumer complaint received 2017-03-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX is not allowing me access to my once a year free credit score that XXXX passed a law in XXXX stating that we are allowed XXXX free credit report and score each year by law. XXXX nor Transunion, nor XXXX are allowing this to occur. I guess paying XXXX dollars in fines has not even phased them whatsoever. Why is it the that nobody is doing anything about this behavior. Why do they continuously get away with ripping off the XXXX people that built this country and free Democracy. Enough is enough with this behavior. Somebody needs to stand up and actually do something about it once and for all. I 'm getting tired of people turning their backs on the XXXX people do the right thing and make a change.