davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (AL)

Experian continues to indicate that XXXX County lien XXXX was paid. IT WAS NOT PAID. Instead, the lien was filed in error by the State of Alabama and eventually canceled. However, Experian refuses to correct the reporting despite multiple submission of documents indicating the correct status.
Consumer complaint received 2016-04-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

XXXX 2012 closed a Bank of America checking account at XXXX branch. 
Asked that {$500.00} left in account to cover any debts that might still be outstanding. 
Bank associate assured me twice that {$500.00} was left in account. 
Moved to Illinois. Approx two weeks later ( when I had internet connection ) tried to log into account but it was closed and locked. 
Called to check balance and was told " the account 's closed. I cant talk to you. '' Demanded to speak with someone of higher authority and was put on hold two different times and disconnected. 
Tried to call XXXX manager who wouldnt speak to me. 
Wrote letter to manager who sent a form letter to call customer service. 
Finally reached manager who told me it had been referred to collections - they did not leave {$500.00} in the account and it was overdrawn {$250.00}. 
When I said that they wouldnt talk to me, he said it was referred to a collection agency who had called me. 
No collection agency has ever called me. 
I fortunately opened another account with XXXX XXXX before XXXX listed me as a deadbeat. But if I move ( I live in XXXX now ), I can not open an account with any bank. 
I filed a complaint 3 years ago with a federal government agency and Bank of America 's " Executive Complaint? '' called me several times to " resolve. '' On each call, they forwarded me over 6 times. Each time I had to explain the situation and they still wanted to forward me because they " couldnt help me. '' I have contacted XXXX who has told me to contact the bank to resolve. 
Why must I pay the price when banks make an error?
Consumer complaint received 2015-12-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My Credit Report dated XXXX XXXX, 2015 is showing several delinquencies for late payment. These periods are a part of a XXXX modifications. My Bank of America contact person for the modification told me that they are fixing all these once the modification is approved but I still see these payments marked as late. I send a letter to the bank disputing the late payments because I was never late and they send me a letter telling me that the information that they provide to the credit report is accurate and that information is the same as the credit report that I was dispute with them several months ago.
Consumer complaint received 2015-09-28
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (TN)

My problem is that credit reporting is used by companies to gouge consumers when they first request a service. In my case a service provider that has a monopoly in my city. I have been do business with this company for over ten years when I first went through them I had a co-signer so this was not an issue. But even though I have been a loyal customer with an account in the black through this entire period. A representative of this company called me and informed that because I have no credit history as reported by one of these credit checking services ; meaning I have never taken out a line of credit nor do I have a mortgage type payment exc .... I also do n't have bad credit meaning I have never filed for bankruptcy or let any of those credit lines I never had go in to the red to many times. This representative used the words " we do n't count the history you have had with our business, because we use credit checks ''. So you see my issue is not how the report was used, even though I feel that only industries that report on your credit history should be able to utilize it. My issue is that by this process being a thing it is destroying the customer to service provider relationship. How am I supposed to build loyalty with the companies I do business with if they want to charge me XXXX % of my monthly income just because I do n't have a credit card? 
Disregard any bubbles that I selected in the first portion. you do n't get to choose what issues people have with the service you provide.
Consumer complaint received 2016-04-01
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

The last few ( at least XXXX ) statements for my Bank of America credit card have not shown the balances subject to various promotional balance transfer offers that I have taken advantage of. I had this same problem in 2015, and the problem was corrected on a few statements. But now the error has returned. When this happened last year Bank of America took months to resolve the issue and did n't seem to care that they were sending out XXXX incorrect statements. The person assigned to handle my case often did not return calls and was basically useless. A perfect example of a " too big to fail '' bank that does n't care about their customers.
Consumer complaint received 2020-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports, I never received any notifications in regards to the investigation results. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.
Consumer complaint received 2015-11-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CT)

I used XXXX and noticed an error on my Experian generated XXXX XXXX XXXX loan account - it said I was 90 days late - which I never was. I went to dispute it with Experian. Experian asked me a bunch of questions which I answered correctly, then I received a message that my request could not be processed and they demanded a copy of my driver 's license. First of all, I do n't know who these people at Experian think they are, demanding a copy of my driver 's license ( which I absolutely REFUSE to furnish to them ), but also they are holding me hostage by willfully reporting erroneous information and refusing to allow me to correct it unless I give them my driver 's license. Unbelievable! This is n't the first time Experian has done this to me. I reported a similar issue to the CFPB a few years back. Fine them and punish them, please!
Consumer complaint received 2015-12-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TN)

In XXXX me and my ex wife divorced. In the divorce decree I was to take over payment of the house, and she quit claimed deeded the house over to me. We were in Chapter XXXX Bankruptcy before the divorce and I continued making the payments to the trustee and it was discharged in XXXX XXXX. I attempted to contact Ocwen Loan Services to establish a routine pay habit, Ocwen advised me they could not talk to me due to I was not on the account. I argued with them and told them of my situation and that it was a joint home loan, and my ex wife has not been seen or heard from in three years with no way to contact her, and I also told them she was incarcerated and after being released she has been anonymous to anyone. They advised I was nowhere on the account, I again advised them they were in error and asked for an address to send the payment, ( which was not late ), i sent payment which they did not accept. I have been trying to refinance the home and was pre - approved due to my discharge and being remarried and having ample income to support a refinance. I have called Ocwen over XXXX times with the same response, " we can not talk to you '', the underwriters today, XXXX/XXXX/XXXX, did a XXXX way conference call with Ocwen and witnessed the same treatment and agreed it was insane due to my credit report now showing 60 days late on the payment and it is a joint account. I again contacted Ocwen and advised them if it shows up on my credit and that it is a joint account that proves I am on it and I want the delinquency removed from my credit report, they again would not talk to me nor let me pay stating i am not on the account. Now the underwriters stated they could not approve the refinance becaus of the 60 day alleged delinquency. Please help me get this taken care of, also I see many complaints on this company for bad business practice.
Consumer complaint received 2015-10-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AL)

I cosigned a Sallie Mae loan for my son because they would not approve him without XXXX. So according to Sallie Mae XXXX now XXXX ) after a co-signer has paid on a loan for 2 years they can be removed from the loan. I have been paying on that loan ( under a special program so that I can actually afford to make the payments ) for over 2 years and when I contacted them about removing my name, now they say well, we have to make sure the primary will be financially able to make the payments. Well it 's not my problem if they ca n't afford to make the payments, I have done my just do by struggling to make the payments for 2 yrs just to be told I ca n't be removed if the primary can not make the payments. That is very very unfair. I have a family, a daughter in college and it is a real struggle to continue to make these payments so my check wo n't be garnished. I am writing because I am hoping I can get some kind of help having my name removed from this loan.
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. (VA)

My credit has been ruined by Navient/XXXX. I experienced a difficult time obtaining a home loan. Since the beginning of XXXX, XXXX XXXX at the time, did n't want to work with me to find a viable payment plan. They just kept asking for whatever was due for the month and told me the only solution was to do a forbearance if I wanted any relief. I told them my situation and that I was n't earning enough to pay the amount they set for me. I was right out of school and they were forcing me to pay almost XXXX of my monthly income. I never missed a payment, I just could n't pay the whole amount in XXXX. They then placed my loan on default status and I was sent to collections in XXXX. I maintained a good record up to this day, but the first year in XXXX, my payments were n't being applied, the amount just kept going up each month. Now my credit report shows I 've been deliquent, despite making monthly payments.
Consumer complaint received 2016-12-06
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

My mortgage payment in XX/XX/XXXX was refused an sent back to me because i had XXXX late payments and they wanted them in full, so after going through a separation with income loss in in late XX/XX/XXXX I lost my job of XXXX years and i have applied for help with this bank roughly XXXX times in the last 6 months only for them to never accept XXXX packet as being completed and able to work it out. No XXXX packet has ever been sufficient for these people. Its a FHA loan so by law they have to offer me a way to save my home.. Since then my daughter started receiving social security and i am self employed, none of those documents have been sufficient. My house sold on XX/XX/XXXX and the bank did not notify me of any kind of sale date or that it in fact had been sold nor have i been given a fair chance to qualify for any programs designed to help me being a single mom. They have been nothing but poor in communication and with keeping me informed of whats going on. My csr changes more than the seasons so no one ever knows whAT IS GOING ON
Consumer complaint received 2020-09-05
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC. (IL)

I Requested a Forbearance under the " Cares Act '' on XX/XX/2020 and received a letter from the mortgage company saying the mortgage was placed in the forbearance until XX/XX/2020, then the payment would be due, the mortgage was CURRENT at the time of the request. On XX/XX/2020 received a letter from the mortgage company requesting XXXX and XXXX payment be made on XX/XX/2020 or a Late Fee would be imposed. 
We created Another financial hardship to get the money and paid the loan for fear of credit report damage, as the mortgage payments have Never been late. 

I am a veteran that is XXXX percent XXXX with a Spouse that is my VA Federal Fiduciary, the mortgage company has been given permission via Telephone and in Writing and still Refuse to communicate with my Spouse Fiduciary on my behalf, I don't  understand and can't argue and debate with them.
Consumer complaint received 2016-09-26
Product: Other financial service — Check cashing
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Hi Bank of America HARD SELLS far worse than XXXX XXXX. 

B of A employees can BE RUDE and condescending ... not letting the topic go..and talking loudly about you NOT having an account for others in line to EASILY hear ... 

I wonder what CEO, at the upper level, is pressuring their staff to act like this??? 

Very selfish practices Region Locations are XXXX on XXXX and XXXX Oregon XXXX, XXXX Oregon area
Consumer complaint received 2016-05-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (DC)

I have been a paying member of Experian since XXXX, paying more than {$20.00} per month for that period, for a total of approximately {$1000.00}. This was a result of signing up for the " free '' credit report, and failing to monitor the ongoing fees. This is my oversight. On XXXX XXXX XXXX I discovered this issue and acted to cancel my account. I called Experian to cancel, and was told that I would have access to my account for the duration of XXXX XXXX. The representative refunded me the amount of 1 month 's fee. Ten minutes later I logged in to my account to download my credit report. Since I paid {$1000.00} dollars to Experian, and I was told that I would have access to the account through XXXX XXXX, I chose to obtain a copy of my current credit report. Once I logged in I discovered that my account was locked. I called Experian and was told that the account was locked because I closed the account and received a month 's refund, and they refused to send me a copy of my credit report. The phone representative and her supervisor XXXX acknowledged that I had paid {$1000.00} to Experian, the call timing ( the call being approximately 15 minutes after the previous call to close the account ), and the fact that the first phone representative told me the account would be open for the entire month. Yet I am denied a copy of the report because of company policy - once the account is closed, no access. This is capricious and rigid. I have been a paying customer for 5 years. I was provided guidance by the company representative that is wrong, yet I am punished for the incorrect information. The representative and the supervisor were both unwilling to make remediation : send me a credit report. This is highly disappointing and unreasonable. 
Lesson learned : do not, under any circumstance, contract with Experian.
Consumer complaint received 2023-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC (PA)

Scott & Associates is an identified debt collector that obtain my nonpublic personal information without my consent through an nonaffiliated 3rd party source by the means of aggravated identity theft pursuant to 18 USC 1028A. They have contact me without my prior consent given directly or from the express permission of a court of competent jurisdiction allowing to do so pursuant to 15 USC 1692c ( a ) and violated numerous of provisions under the Fair Debt Collection Practices Act ( 15 USC 1692 ) ; Fair Credit Extension Uniformity Act ( 73 P.S. 2270.1 in their attempt to extort me. I REFUSE TO PAY SUCH ALLEGED DEBT and demanding Scott & Associatest to cease and desist communication through all mediums in reference to this alleged debt with me and any other person pursuant to 15 USC 1692c ( c ). *SEE ATTACHMENTS*
Consumer complaint received 2016-07-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MS)

Recently I was informed that I have a loan with a company called Navient. I explained to the representative that I was unaware of any private loan and that I am unable to pay the loan at this time. I also explained that when I consolidated my student loans I was told this would include all of my student loans based on the ( NSLDS.ED.GOV ). I have explained that I am on an income based program with the consolidation of my student loans ( Direct Loans ) with determined that based on my current income my income is not sufficient to make payments at this time. I asked the representative for any options on cancelling or doing something similar with this loan payment she stated there are no options to do that and that I should ask my XXXX grandmother who does not work to help make the payments. I am not sure how she expects and elderly woman that I care for and support to make payments either. I truly feel she did not intend on helping me an any way!!!!
Consumer complaint received 2015-07-09
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (TX)

XX/XX/XXXX, I placed a Fraud Alert on at all XXXX credit bureaus with my XXXX cellphone number. I changed my phone number when I moved to XXXX XX/XX/XXXX. I understand that the credit bureaus do not keep phone numbers but that the Fraud Alert message has my old phone number. I have contacted all XXXX bureaus ( via phone and mail ) with no success to update this. The Fraud Alert is supposed to fall off in XXXX XXXX. 
Citibank Credit Cards is unwilling to provide me with a replacement card or close my credit card account because my current XXXX cellphone number does not match the Fraud Alert XXXX number. I was told by XXXX XXXX that the Fraud Alert should not affect existing accounts such as Citibank. Since Citibank will not close my account and will not give me a new card, I will be charged the {$95.00} annual fee but will not be able to use my credit card. I feel that this is unfair and they should at least allow me to close the account. 
I 've exhausted all my options. Please help.
Consumer complaint received 2016-01-06
Product: Credit card — 
Issue: Application processing delay — 
Company: BBVA FINANCIAL CORPORATION (GA)

I applied for the BBVA XXXX XXXX XXXX card on XXXX/XXXX/XXXX and received my denial letter on XXXX/XXXX/XXXX. The stated reason was " unable to verify identifying information ''. This reason is complete bogus and I have several friends who have received this same denial reason. I have not changed my address in 13 years and have no fraud alerts on my credit report. I take safe guards to manage and protect my credit and this denial reason is completely bogus.
Consumer complaint received 2016-11-11
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (MA)

I had a credit card with Citibank for which they took me to a collection agency. I got an agreement with the collection agency and paid off the credit card. This was back in XXXX 2016 and today XXXX XXXX, 2016 they have not removed the collection from my credit report and its affecting my ability to have a decent credit. I called Citibank like 4-5 time and they stated that they do n't offer deletion letters and could only provide a fax number for me to fax my claim to CitiCard Credit Services to the attention of " Citibank CRB Dispute ''. To this day I have not heard back from Citibank and my credit still showing that collection which should had been removed by now because it 's been more than 60 days since I paid off the debt. I beg for your help to have CitiCard to remove that collection from my credit.
Consumer complaint received 2016-12-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (MI)

In XX/XX/XXXX I was notified by XXXX that someone used my identity to open a checking account at Compass Bank. I called XXXX, they directed me to call their parent bank, named Simple, at XXXX. I called Simple to let them know my identity was stolen, and they refused to tell me anything about the account. 
They refused to close the account, though I called multiple times and explained that it was a fraudulent account. I then did a XXXX call with XXXX and XXXX Bank in which the XXXX rep explained the confirmed ID theft. Simple rep said she would then close the account, but refused to send me anything in writing. I called Simple again on XX/XX/XXXX and again asked for a letter to confirm the fraudulent account was closed, the rep refused. She said the account was " no longer eligible for phone support '', that she had " to disconnect the call '', and I was not to call there XXXX asked to speak with a supervisor, was transferred to XXXX. He also refused to send a letter, said it was not their problem that someone opened an account there with my stolen identity, and their policy was to not provide any info or send anything in writing, not even to confirm they closed the account. I asked where they are actually located, he refused to tell me. He said they are an online bank, but said their physical location and the state in which they are registered to do business was " not pertinent '' to the conversation. I asked for a mailing address, he said he would not give it to me. I asked for anything to confirm they even closed the account, he said " this account is no longer eligible for phone support '' and that he had to " disconnect the call ''. Would not even confirm it was closed. He refused to give me an account number or any info at all about the account that I could have to document the fraud. I have no way of knowing if they even closed the account, and am very concerned that it is still open in my name.
Consumer complaint received 2017-01-05
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A. (TX)

I had a Citibank card that was used and paid on time until we had a fraud issue with our bank account. This caused a delay in payment that was communicated to Citibank. I was told by Citibank that they would not report to the credit bureau, but in fact they did. That report brought my credit down significantly and I would like it reversed. I am going through a divorce and need my credit to be in shape in order for me to be approved for a home loan that will issue me and my children a way to stay in our community. Any help with this matter would be sincerely appreciated.