davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Cooper Hoffman Klein Associates (MI)

I have a relative-by-marriage who apparently has some sort of debt. I have not spoken to her in 5 years and do not have a way to contact her. And yet somehow a debt collection agency ( though it may very well be a SCAM ) has gotten my phone number and for over a year has been calling me at least once a month with automated messages ( from more than XXXX phone number ), saying they are trying to reach my relative to serve her with collection papers. I have tried to tell them that I am not her and do not have a way to reach her, but they still contact me. I tried to download Call Blocking apps on my smartphone ( as they are calling my cell number ), but they are n't very effective and just auto-disconnect the call when I try to answer to tell them to stop calling me, but do n't stop the calls from coming through. I have also text-responded to these phone numbers with the same message, but I am still being harrassed. Now it is to the point where they have called me 9 TIMES IN THE PAST 3 WEEKS. Two weeks in a row, they called me 3 days in a row, from the number XXXX XXXX XXXX XXXX. XXXX this number shows that it is WIDELY reported to be a scam number, FAKE debt collection agency XXXX XXXX -- XXXX ).
Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Army and Air Force Exchange Service (FL)

On XX/XX/2022 I purchased a XXXX XXXX XXXX XXXX for {$640.00} and a service plan that cost {$59.00}, a total of {$700.00}. Order number XXXX. I purchased this item from the Exchange/AAFES Military online store and used my Military Star credit card to make the purchase. I called the customer service approximately 2 days later to cancel the order because I found a suitable blender at XXXX at a much cheaper price. I was informed that the order could not be canceled even though it had not been shipped. The same day I received an email stating that the item shipped. I received the item via XXXX on Wednesday, XX/XX/2022. That same day, I called the Exchange customer service to get a return label to return the item right away. I received the XXXX return label and went to XXXX in XXXX, FL that same day to return the item using the label sent to me from the Exchange store. The XXXX tracking shows that the item was received on XX/XX/2022 in XXXX, TX and signed for by a XXXX. I called the Exchange customer service the following day to follow up on the item received to make sure they also showed the item was returned, I was told that they do see it returned and I have to wait 5 business days for the refund on my military star card, I waited and still no refund. I called the Exchange customer service back on XX/XX/2022 and talked to a XXXX, and she said she can see that the item was returned with the tracking number but their system had been down and I would need to wait another 3 days. I called the Exchange Customer service back today, XX/XX/2022 and spoke to a Supervisor, XXXX, and he said that he has to now call XXXX to check on the tracking and then I will get a refund in another 5 business days. I am not satisfied with his answer and told him that he can look online to check the tracking like I did and it will show the item was received back on XX/XX/2022. Also advised him that previous agents could see it in their system, why can't he. He again stated in a nonchalant way that he will just have to call XXXX  and get the process started. I am not sure what is going on in their system. I know that I used the label they provided me and returned the item the same day I received it. It is a very expensive item and now they don't want to give me the credit back to my card which has caused my credit score to go down based on credit card usage. I am very upset that this has turned into a problem and I feel that I am getting the run around with the Exchange store. I need this resolved ASAP. Please assist. Thank you!
Consumer complaint received 2016-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (IL)

On XXXX XXXX 2016 I was sent a permanent loan modification agreement from Nationstar mortgage. I signed and sent back these papers on XXXX XXXX, 2016 via certified mail back to Nationstar Mortgage. I made numerous payments, both the trial payments and afterwards. In XXXX they returned my payment and threw me off the loan modification because they say they never received the paperwork. This is incorrect. The paperwork was sent certified mail back to them. I am not going to start over again, because I have made the trial payments, I will lose my interest rate. I want my modification honored. It is their fault that somebody lost the paperwork, NOT MINE. I sent it to them.
Consumer complaint received 2016-02-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

We signed online to Bank of America billpay to have them send a check to our kids college apartment for XX/XX/XXXX payment. Bank of America cut the check, withdrew the funds from our account, and used a 3rd party consolidator to deliver the check. The 3rd party consolidator put multiple banks checks into XXXX envelope to deliver to the college apartment. That envelope was taken fraudulantly and our check was signed and cashed fraudulantly. The Apartment did not receive XX/XX/XXXX payment and Bank of America will not return the funds to our account. Instead they are asking the Apartment complex to fill out a form for a federal investigation, meanwhile the Apartment has no rent check from us and we have no money in our account to repay. I understand it is a state law in NC for the bank to resolve by returning our funds while they investigate what happened, however Bank of America refuses to do this. The other XXXX banks who had checks stolen in the same envelope already returned funds to their bank account holders, but Bank of America will not. The apartment is in XXXX NC and our bank account with Bank of America is in NC. Please advise.
Consumer complaint received 2016-01-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

earlier on in the year of XXXX, I filed a complaint with you regarding the servicing of my loan from SpServicing. Reference case # XXXX. They were clearly not honest with there response to you regarding my XXXX payment and the final loan modification. I will attach all of my documentation including bank statements for the entire year of XXXX and the trial modification and the final modification. I also have a letter from them dated XXXX XXXX that my final modification was approved. The XXXX payment which they claimed, I did not make, was one of the 3 trial payments of which I phoned in XXXX, XXXX and XXXX payment on XXXX/XXXX/XXXX. If I did not make my XXXX payment, how would I have been approved for the final modification as outlined in the trial modification? Once the final modification was approved, everything escalated from that point. Accusing me of not making payments and no one could tell me which payment was not made. I have had XXXX in XXXX and could not handle all of this along with my health problems so I retained an attorney after I received your response from SpServicing and their response as well. It also appears that they are not applying the payments correctly to the PITI as outlined in the trial modification and the final modification. I am reaching out for your help again to protect me as the consumer with the servicing of this loan do be done in accordance to the trial and final modification. They are also threating me with notices of default every month. How can they do this when all of my mortgage payments are made on time? You will be able to see this as I am attaching proof of payments for the entire year of XXXX. This mortgage company also will not let my attorney speak with their attorney and a manager does agree that I have a modification, but they have yet to honor it. My attorney is also getting frustrated with them and he now knows that all of my complaints about this company and the servicing of my loan are valid. He as well, has a copy of my final modification and proof of all of my payments.
Consumer complaint received 2016-01-25
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i was XXXX and paid a company called XXXX XXXX dollars.when i learned i had been taken i called my merrill lynch credit card for help.my visa card informed me i waited to long and they could would not help me.i was shocked because i called in advance and they told me they would look into it for me.when i called back to look for there help i was informed i waited to long they would not help me.seems like my merrill lynch visa makes there own rules.
Consumer complaint received 2022-06-21
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: Onity Group Inc. (VA)

In late XX/XX/2021, the PHH Morgage company reported my account 30 days late. I made a payment on their electronic phone line on or about XXXX XXXX. A few days later I realized that my payment had not been drafted from my account and I called them. I was informed that there was a payment that had been rejected. I contacted my bank to verify this information and they told me that no payment had been attempted from the mortgage company. At that point it was after my 15 day grace period so I was worried about late fees. I called the Morgage company to make a payment and tell them about what was going on in an attempt to get the fees waived. After all, we are in a pandemic and every XXXX  mattered. They told me no they would not waive the fee and that I needed to make the payment right away. I made the full payment right there over the phone with the rep. I woke up a few days later with a late payment notification from XXXX XXXX. I was very upset because I had been in contact with them about the issue. At that point, I called them multiple times only to hear that it was nothing they could do. I spoke to multiple managers about what happened and I was told to file a dispute with the credit bureaus. I asked the company for a letter from stating that my account was current and that it was in good standing and was never late. I added this letter to my dispute. The disbute came back verified, nothing was changed on my credit report and I dont understand how. Since my disbute I have called them once a month and I still havent received any positive solution. I dont know why they are unwilling to work with me on a system error. I have never had this issue of being late on a Morgage before. I am filing this complaint because I have tried to contact this company multiple times to rectify this issue and they have basically laughed in my face and told me to handle it with my credit report. This late payment has dramatically affected me and their reporting was not fair or accurate. Since then, they have transferred my Morgage to another lender.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

There has recently been a XXXX XXXX XXXX XXXX Stolen from XXXX XXXX XXXX ( XXXX  ) where XXXX XXXX records including names, addresses, Social Security numbers and relatives dating back at least XXXX decades. My public information including my social security number has been stolen. Therefore the following account should be deleted from my credit report immediately. These are unauthorized accounts. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX The above accounts are also in violation of the Privacy Act of 1974 ( 5 U.S. Code 552a ) Please delete these accounts immediately.
Consumer complaint received 2015-08-20
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (KY)

I came to a settlement arrangement with FAMS on XXXX/XXXX/15 and paid this debt in full on that date. I have the settlement letter stating the debt would be settled with payment and the receipt where I paid. Since then they have continued to bill me and have failed to release a judgment lien against my husbands property. They still show my account with a balance of {$9400.00}
Consumer complaint received 2015-03-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (MD)

I filed a complaint against the bank before and the problem still has not been rectified. By the time I spend money in legal fees it will certainly not be worth it for me to try and get answers. However, I do plan to file complaints with other agencies until I am vindicated of this awful trail of unjust events. Starting with the account was a joint account and there were charged that were unauthorized. I should not have to suffer because someone else has done something wrong. Reporting me to XXXX is unfair and especially since the bank has already gotten over in fees. A collection agency kept calling me on their behalf until I just gave in and paid. However, during the process my bank account for my XXXX year old daughter has been closed because BB & T decided to report me and not my husband to XXXX. I have NEVER EVER been in XXXX and this just is n't right. I now think it is a smart investment to hire someone on my behalf to fix this since they want to just play dirty with the whole thing. BB & T is the worse bank to ever have in life and I never thought I would have such a problem with them even reporting ect. However, let the record reflect that I have tried to contact several sources inside of BB & T to help but they are just not qualified to get the job done. There is no XXXX number you have to go in and do everything and unfortunately, I do not have that type of time or means. I am a mother and recently had a XXXX that does n't allow me to even drive. Either way this is a ongoing problem even after their unreasonable request for fees have been paid. I 've been lied to and now cheated out of money.
Consumer complaint received 2022-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I have repeatedly submitted an Employment Certification Form showing I worked for a PSLF eligible employer from XX/XX/XXXX to XX/XX/XXXX. Fedloan Servicing refuses to give me credit for all of that time, which should qualify under TEPSLF. I also submitted a ECF showing I worked for an eligible employer from XXXX, and I have not received credit for that time either. Please update my payment counts to reflect the time I worked at the XXXX XXXX and XXXX XXXX XXXX.
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

There has recently been a XXXX XXXX XXXX XXXX Stolen from XXXX XXXX XXXX ( XXXX  ) where XXXX XXXX records including names, addresses, Social Security numbers and relatives dating back at least XXXX decades. My public information including my social security number has been stolen. Therefore the following account should be deleted from my credit report immediately. These are unauthorized accounts. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX The above accounts are also in violation of the Privacy Act of 1974 ( 5 U.S. Code 552a ) Please delete these accounts immediately.
Consumer complaint received 2017-03-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: DISCOVER BANK (WA)

I received a letter regarding a missed payment in XX/XX/XXXX. After checking my bank account and verifying that I had mistakenly missed a payment in XX/XX/XXXX, I called them to discuss what I needed to do. At that time the person I talked to told me that sending my regular payment for XX/XX/XXXX should catch me up, as I normally pay more than the minimum payment. I did so, but have continued to receive letters, and am now getting harassing phone calls. I spoke with a representative on the phone today who kept badgering me and calling my account " delinquent. '' I told them to stop calling and harassing me. I have paid every month since I spoke with them about my missed XX/XX/XXXX payment, and followed their directions to " catch up '' on the XX/XX/XXXX payment. I want the harassing phone calls to stop. 

Additionally my interest rate is over 9 % and I have contacted them numerous times about reducing my interest rate so that my monthly payments will actually go toward reducing my balance. They have been unwilling to work with me on reducing my interest rate, even though I have faithfully made my monthly payments.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

In accordance with the fair crediting reporting act the following the following accounts are in violation of my rights according to 15 USC 1681 section 602 ( a ) section 2 & 604 ( a ) section 2 XXXX XXXX XXXX account # XXXX ** XXXX XXXX account # XXXX XXXX XXXX account # XXXX
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

I have watched my credit score on Experian for countless months, finally starting to get inaccurate information off my credit report, applying the credit boost, and started reporting accounts I pay every month through the credit boost. This raised my score to XXXX but two days ago, it suddenly said " Unscorable '' and I had no score at all. I sent messages to Experian and they returned a message saying : -- - Thank you for contacting Experian. I see that your credit score is not available at this time. Here are some reasons why a FICO Score might not be available : Experian does not have enough information in your credit report for FICO to calculate a score No activity has been reported to the bureau within the past six months ( not including disputed information ) Your credit report has over XXXX accounts on it A creditor has reported you as deceased You can add self-reported utility payments to your credit report through Experian XXXX which can instantly increase your XXXX Score based on your Experian credit report. 

More information is available : https : //www.experian.com/XXXX If you think there is an error in your credit report, you can file a dispute : https : //www.experian.comXXXX 

-- - and of course, NONE OF THOSE REASONS APPLY AS, I had a score of XXXX two days ago... 

Activity has been reported every month, including two credit cards and the credit boost four accounts on self-reporting, and my Georgia Power Bill . 

I don't have XXXX files on my report. 

AND- I AM MOST CERTAINLY NOT DEAD! 

I even tried to call them and just got a run-around with their recording. I messaged them and got told all of the above. 

ALSO, For the past year, they have placed on my credit report that my address is a retail business and my house is not a business and never has been. Just a secondary problem they have ignored.
Consumer complaint received 2016-06-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The mortgage company was Countrywide Home loans. I was n't able to make my full mortgage payment XXXX XXXX nor XXXX XXXX. I only paid escrow and interest for both of these payments. I was put on a modification for 2 years just for the amount of {$400.00} dollars. I thought I should have been able to make the {$400.00} difference in the XX/XX/XXXX and XX/XX/XXXX payments. However I lost my job XX/XX/XXXX with Countrywide Home Loans. I was put on a Forbearance repayment plan in XXXX XXXX for 2 years paying {$1200.00} per month and it was scheduled to be completed XXXX XXXX ; However XX/XX/XXXX the collections department of Bank of America starts calling me and stating that my mortgage loan was in arrears 20 months!!! I could n't believe what they were saying! Then they took their time to process another loan modification in XXXX of XXXX in this modification they decided to rob me of my mortgage payments and put my loan BACK to 30 years and take it from $ XXXX to $ XXXX and I have been living in the home since XXXX XXXX, XXXX. I have always had the money to make the house payments. From this loan modification that began in XXXX of XXXX it ran until XXXX XXXX! Then due to my sister passing away XX/XX/XXXX and I did not make the mortgage payment of XX/XX/XXXX they began another foreclosure on my loan and then they began another loan modification XX/XX/XXXX and I was paying perfectly on time and then all of sudden Bank of America decided to NOT let me make mortgage payments in XXXX because they said that my " paperwork '' had not been turned in on time!!! When I had been making payments since XXXX XXXX!! I made the payment for XX/XX/XXXX and returned it back to me! Then they put me back in foreclosure and just now XX/XX/XXXX they have started another loan modification!! The bottom line is that due to the negligent loan processing that has been done on mortgage loan it has caused 9 years of foreclosure showing on my mortgage credit reporting and I have never moved out of the home I have always waited on Bank of America to do what is right and due to their predator manner of processing my loan it has wrecked my credit and my peace of mind! I was a first hand witness on how Countrywide Home loans processed loans against homeowners and now I see that my loan is being processed in negligent manner! All I want is to keep my home and have Bank of America put my loan at 14 years and remove my foreclosure status off of my credit history. I need your help please to resolve this 9 years of on-going bad experience with Bank of America.