davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have been working on my Experian credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX, TX XXXX and there is XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NJ)

I 'm the co-signer of my oldest daughter 's loans. We have approximately XXXX loans with Sallie Mae before it transferred to XXXX. When my daughter graduated in 2011, we were told her total loan payment would be over {$2500.00} which was outrageous. I spoke to them and said there 's not way we would be able to make that kind of payment. They then told us that we could defer the interest, I did n't understand this but the payment was lowered than the original amount so we went that route. It was still high and I had to work XXXX jobs to help my daughter with these payments. Unfortunately XXXX yrs later, our loan amounts sky rocketed. I could n't believe the interest at one point was almost 12 %. I ca n't find the statement that said that but when we applied for these loans, they told us it would be approximately 2 % over prime rate. But the Customer Service rep told me that it should n't be more than 8 % at a high. I was n't too familiar with these types of loans. My main focus was my daughter 's college education and getting her through college without any issues. My daughter has since taken XXXX of the loans to pay them off and get a lower interest rate. I was told that if I did the other XXXX remaining loans that my interest rate could go higher than what it currently is so I chose to leave them be. I did set up automatic payment and they ( Sallie Mae ) would take a .25 % off of my loans so I have them coming out automatically to just save money.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

XXXX XXXX and then Navient would post extra principal loan payments even with my expressed desire to apply the monies to loan principal reduction as loan interest payments. Over {$2000.00} was posted as interest abd future interest payments eventhough specific instruction was given to reduce loan principal with the intentional loan payment amounts. Each contact with Navient customer support resulted infrustration and purposeful stonewalling. In addition Navient 's practice of simultaneously floating two outstanding loan payments being due illegally maximizes interest income.
Consumer complaint received 2020-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I am trying to get a freeze lifted temporarily and to get a copy of my credit report from Equifax. When I tried to get the credit report online Equifax responded that I needed to mail my information. This was after I had followed all of the online steps. I also followed the steps to get my freeze lifted. After several weeks I received a code via postal mail that was supposed to work until XXXX. The code did not work. When I called the 888 phone line I worked through the phone tree and was told that I could get the credit report and help with my freeze. I ended up with a service representative that was not helpful. She questioned whether I even had received mail from Equifax to remove my freeze. 

This is in stark contrast to the service and results I have had with XXXX, XXXX, and XXXX. I received credit reports from these 3 and was able to remove the freeze easily and usually online. 

My latest failed attempt with Equifax was today and was 20-30 minutes of futility and frustation. I am left not knowing how to proceed to get my report and the freeze removed.
Consumer complaint received 2016-07-26
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

We are trying to get BOA to waive late charges and past due interest so that we can pay off the Home Equity loan. We have been in this home 15 years and never paid a late payment on our first mortgage. The problem started with the balloon came due and the payments were more than our first mortgage and higher than what we could afford with the first and second. We contacted BOA at that time XX/XX/2015 to try and combine both as they had both loans. They would not agree to combine but the first agreed to refinance us through the Harp Program. The second assigned us a case manager which seemed to always be away or missing appointment times that they scheduled. We were surprised to get an agreement in the mail saying we agreed to 5 increased payments that we could not afford nor had we even had a discussion about. We got money from our credit union to bring the loan current but the problem was still there as we could not afford. It 's very difficult to speak with someone and after several more attempts and trying to make the payments that were too high we just decided to sell our home that we love. In trying to speak with a person to relay this information the next information we got in the mail was the intent to foreclose. What we 're asking now and still can not get assistance as we 're getting pushed through the phone maze again and no one will take ownership and our case manager XXXX XXXX was not available, we actually had XXXX in collections ask if we considered a deed in lieu, I was shocked as we 're trying to pay them off which is why I was calling them today. We need them to stop treating us differently due to our age and race. 1. We need a payoff on the XXXX mortgage without the past due interest and late charges, the last balance I showed was {$47000.00} 2. Since the sale of our home would be enough to pay off the XXXX and the XXXX, we need them to remove all late from our credit score so that we can qualify for another home. It a bad situation that can be resolved but we do n't want to be prevented from purchasing another home as a result of us making many attempts to resolve this situation.
Consumer complaint received 2015-08-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NY)

They have been calling me with robo calls 6-8 times per day. Never a person always robo. I have told them numerous times to call me with a person only. I have asked them to call me during specific hours when i can take their calls. my cellphone does n't work well when im at home so i cant answer it. they have my house number but again its always a robo call never a person. Robo calls always tell me to call back a specific number but when i do Im in line waiting for more than 30 mins everytime. I am now over 5 months overdue and would like to become current but cant get a hold of them ( i do n't have time to sit on hold for more than 30 mins ) .Now they are threatening a judgement againest me. I want to pay but they wont contact me and i cant get a hold of an actual person within this stupid company. they seldomly call my home phone when i 'm actually there to answer and again even if i am its a robo call so when i call back i 'm on hold. I try to login to my account online and again their system does n't recognize my information and i 'm told to call only to get put on hold. Ive told them numerous times to call with a person not a robot and i will talk and usually by now they switch to people but still after 5 months still robo calls only never a real person. ive told them numerous times about the online login system not logging me in without calling first and they say to just call in again i do n't have the time to sit on hold " waiting in line '' for 30+ minutes.
Consumer complaint received 2018-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: The Hamilton Law Association (MN)

I have been disputing XXXX XXXX Hospital charges for about 6 months. The account was closed many years ago because I was on Medicaid who covered the balance of my medical bills. Also, I moved away from the state of XXXX on XX/XX/2015 due to XXXX XXXX. I have lived in XXXX since then and have never been back to XXXX to incur any debt. Each time I dispute this issue with a credit bureau, the debt is sold and my credit is ruined again. I have to constantly fill out these forms and research my credit. I have to Pay for monitoring of my credit from XXXX. I am being harrassed and it's too much. Please help me.
Consumer complaint received 2015-08-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VT)

I had defaulted on XXXX of my private loans due to not being able to pay the over {$700.00} a month payment. My Mother and I had called them and went through all the steps to sign up for a lower payment that would include all XXXX loans. We have made XXXX payments so far and was told that if we made XXXX consecutive payments, my loans would come out of default. I am now, along with my mother, getting notices saying that I am in default with my loans and I need to take action now. I am very confused as I thought everything was settled and worked out. I am very upset because we were given an amount based upon the financial information we had given and now even though we are making these payments and on time, we are still being told that my loans are in default.
Consumer complaint received 2016-09-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have been trying to cancel a XXXX credit card from Bank of America, and request annual fee refund. When I initially called, Bank of America associate ensured me that my card will be cancelled, and the recently charged annual fee will be refunded. 

The card appears to be cancelled, however the balance for the annual fee still appears in my statement. 

I have attempted to call twice already, and both times the wait time exceeded 40 minutes. I tried to submit the request online, but received a message that these types of requests have to be taken care over the phone. I am calling again today, still on hold.
Consumer complaint received 2017-01-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was charged XXXX overdraft fees in the amount of {$70.00} on XXXX/XXXX/17 for XXXX charges which I had enough funds in the account to cover those charges. When I called today to get credit, the Supervisor said no..
Consumer complaint received 2016-01-26
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

My husband and I have reached a hardship with are income and we have gone to are creditors to reduce payment by lowering the interest rate. All of them have agreed. Except Bank of America. They have refused to lower the interest and sent me to an outside source who also will not help me.I am XXXX years old and it has very difficult talking to the bank, they have not been helpful, they are confusing and their tactics are intimidating. And extremely disappointing since I have been a customer for over a decade. Their letters are false and deceiving, and they have strung me alonging saying they are here to help. They have destroyed my credit rating, and my XXXX is now in jeopardy. XXXX XXXX
Consumer complaint received 2016-05-23
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

To whom it may concern, Today I applied for the Alaska XXXX XXXX card over the phone. As expected, I went through a credit approval process by which I assumed I would be given approval for the XXXX card. Upon completion of the process, the customer care associate said I was " approved, '' though she did not state which card I was approved for. When I asked, she stated I was approved for the signature card, but needed to double check. When she double checked she stated I, instead, was approved for the XXXX Platinum card ( which is not even listed on the website ). The credit line was automatically opened upon submission of my application. 
When a customer calls to sign up for a card, and is placed on hold while his or her credit score is approved, and then told " you are approved, '' the blanket assumption is : I was approved for the card I requested. Luckily, I double checked and asked what card I was approved for. To add to the deception, she stated I was approved for the " signature card '', but needed to verify this. Upon verification, she informed me I was approved for the " Platinum '' card -- a different card entirely. The account was already opened at this point. When Alaska XXXX advertises XXXX offer, presents information as if the customer is receiving said offer, and then switches the offer at the last possible moment falls under the definition for " Deceptive Marketing and Enrollment. '' The only reason I applied for this card was because it was advertised as XXXX mileage points upon approval, the woman on the phone even stated I would get an additional XXXX points for signing up today. This advertising scheme is precisely what I am reporting. The information for the Plantinum card that I was automatically signed up for is not even easily accessed online. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-08-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Last year in XXXX and into XXXX of this year XXXX, Bank of America Homes Loans had been looking at my loan ( # XXXX ) for a loan modification. During the review process, my Privacy Laws were severely violated, which cause unbelievable damage to myself and my children. An employee of Bank of America at the time, XXXX XXXX, gave my ex-wife, who was not on the loan or had any authorized access to my information, damaging and incorrect information without my consent or knowledge. My loan modification was recently denied and now being foreclosed. Bank of America has a duty to keep my loan information, and any personal information private. The entire loan review modification process of my loan was tainted, and my Privacy Laws severely damaged. I have proof of this with phone records ( texts, e-mails from my ex wife ), as well as testimony from myself, my children, and others. The information was used to slander me as well as torture my children with incorrect information that my ex/wife used to scare them to sleep at night about losing their home, among other threats. The occurrences took place mainly in XXXX, XXXX and XX/XX/XXXX. My life and financial stablility have been crushed by Bank of America 's poor and pitiful attempt to protect my Privacy Laws. I have retained an attorney to represent me, and this is also another financial burden. I would like a response asap as my home is in foreclosure, and my kids and I are going to be kicked out because of Bank of America 's callous and ridiculous actions. Thank you!
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (TX)

On XX/XX/2022 there was an unauthorized hard inquiry placed on my credit profile by OneMain. I've been sent numerous solicitations from the company regarding loan opportunities and it having no impact to your credit score. I never authorized a hard inquiry into my credit profile.
Consumer complaint received 2015-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am XXXX XXXX XXXX XXXX a XXXX in the private sector and XXXX at the XXXX in XXXX XXXX California. I am a XXXX for the XXXX. Six years ago I asked both the Bank of America and XXXX XXXX for a loan to finance XXXX XXXX to help with the Affordable Care Act. Both banks denied the loan several times. We asked these banks because we have accounts with them and the Bank of America held the mortgage until they sold it to XXXX. In 2014 we obtained a Mortgage Modification and now have a subordinate loan to HUD for XXXX. The Bank of America broke the law by hiding our monthly payments and giving false information to the Credit Bureau. They put the lien on our property and made it impossible for us to use the equity in our home to get a loan. I need urgent help to survive this injustice initiated by the Bank of America and now continued by HUD.
Consumer complaint received 2017-01-28
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (SC)

I have a judge, ent on my from a law company that for one never gave me an infoormaton on the debt but filed a lawsuit against me without any papers being sent to me. Only after the judgement was filed they sent me the information. On top of that they forced me or tricked me into signing or sending in paperwork for the judgement stating that I have ran out of time their collection of this debt has been shad since day one. I have been payng on the debt for months now and I get a letter today stating legal action will be filed against me if I do not contact them within 15 days. I have sent them throughout the past few months 4 emails that the continue to ignore. I have been paying atleast {$10.00} on the account every month if not more depends on what I can afford. I am tired of being bullied by them and harassed.
Consumer complaint received 2015-08-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (NV)

This morning, Saturday, XXXX XXXX, 2015, I called customer service at ( XXXX ) XXXX and learned that U.S. Bank 's policy is to opt customers into overdraft protection by default ; customers are expected to explicitly opt out. Interestingly, during the automated review of the status of my account, which I completed just before speaking to the U.S. Bank representative, the teleprompt indicated that I did not have overdraft protection on my account. I mentioned to the U.S. Bank customer service representative that I did not recall this being pointed out to me during the account onboarding process. The representative 's response was that I should contact the member who opened my account or the branch manager. I asked the representative to remove the unwanted overdraft protection, and after trying to discourage me, he finally removed the overdraft protection, at least that is what was indicated to me. I was advised that it would take 2 business days to remove the overdraft protection. Additionally, my request for a courtesy credit of the fees incurred to date, of which there is a total of {$340.00}, was denied.
Consumer complaint received 2018-09-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I made settlement arrangements with the company in which I could not afford to keep. After multiple checks had bounced, I spoke with a representative and advised her I would like to cancel ACH authorization and they still proceeded to run the checks. This has caused an extreme hardship on my end due to multiple overdraft fees. I was told that the company would not reimburse the fees that they had caused and any monies that were paid by my bank after advising Porfolio Recovery to stop the drafts would not be refunded. The " supervisor '' XXXX XXXX refused to give me the name of the representative in which I spoke to originally and told me that the ACH 's are submitted at XXXX XXXX. and could not be cancelled the day of. I was not informed this by the representative I had spoke with to cancel the ACH draft, and I was clear that I did not want those payments to be submitted and was clearly informed on their " recorded line '' that my request was understood and would be honored. The supervisor continued to over talk me was rude, very unprofessional and hung up the phone during the call. I have worked in the financial industry for years and never has any company I worked for/with ever ran ACH payments at XXXX XXXX while no one is in the office!! They are not a bank they are a collection agency!