davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-06
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (NJ)

Navient Att : Dispute Department XXXX XXXX XXXX, PA XXXX Re : Reference : XXXX ( XXXX Navient Private Loans ) are not ( 60 days Late ) Dear Sir/Madam : I am disputing the above-reference. Please verify these days as required by the Fair Debt Collection Practice Act. 
I dispute this accuracy due to Financial Hardship and loss of employment because I did provide notification to Navient representatives on my account, thus, having extra time to pay the monthly payments and interest loan amounts in a timely matter to Navient. It appears as negative accounts on my credit report. I believe this business practice is reflecting negatively and is difficult obtain a financial position in a job market. Please remove from all three credit report agencies entirely. 

The days that were paid were XXXX XXXX, 2016, XXXX XXXX, 2016 and XXXX XXXX 2016. 
The application submitted for was submitted as a forbearance before XXXX XXXX 2016 to allow sufficient time for Navient to record payment made and retract any negative impact on my credit report. I was never 60 days consecutively late. The one payment I missed was XXXX 2016. And it is why I applied for the forbearance. 
Navient processed the forbearance late after XXXX XXXX making XXXX payments late causing a negative reporting on my file and submitting false reporting to the credits agencies I am disputing this days and amount own and as recorded, you should not report it to the credit reporting agencies, if you have already reported it, please notify the credit reporting agencies that the delinquency is disputed and delete the trade-line from my credit report. Reporting information that you know to be inaccurate, and failing to report information correctly, violates the FDCPA and Fair Credit reporting Act. 
Aside from verification of the days, do not contact me about this debt. The FDCPA requires that you honor this request. Thank you. 
Sincerely, XXXX XXXX Cc : Consumer Financial Protection Bureau, XXXX Department of Consumer Affairs, and Federal Trade Commission- Consumer Response Center
Consumer complaint received 2015-03-30
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: DriveTime (VA)

I have an auto loan with XXXX. The vehicle I have discovered is only worth about XXXX however the loan is out for XXXX. This is due to thr high interest rate and overstated price at the time of purchase. I fell behind on payments. XXXX called me numerous times. At times over XXXX times a day. I did eventually make payments but also was told by Drivetime that they would defer my late payments to help me out. A few weeks later, XXXX repossessed my car. There are exhorbitant fees charged equal to entire car payments. Buying. Car from XXXX is not like buying a car from other places. It is a bad deal and impossible to improve your credit from.
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2016-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My loan is not escrowed. I pay for my own taxes and insurance. I also have an adequate insurance coverage amount and type for my loan amount. I also timely pay my property taxes. I have provided proof of adequate coverage to Bank of America repeatedly and consistently since the beginning of my loan. Despite this, Bank of America is continually adding money to my principal and interest amount as " escrow. '' As this is not part of my loan I do not pay this amount and Bank of America then classifies my payment as late generating late fees. I pay the contractually required amount, have adequate insurance and pay my taxes and insurance on time. I do not know what I am being charged for that is an escrowed item as there are no escrows on this loan account. I have confirmed with Bank of America repeatedly that the insurance amount is proper. 
I have XXXX fire/dwelling policies and XXXX flood policies covering this property. The property has a front and a rear building which and each building is insured separately. 
I have a total XXXX XXXX and XXXX XXXX dollars in fire coverage and a total of XXXX XXXX and XXXX XXXX XXXX in flood insurance. On the front building my fire coverage is {$250000.00} with {$120000.00} in flood. On the rear building I have {$140000.00} in fire and {$140000.00} in flood insurance. Bank of America spoke with my agent and approved the amounts of all insurance in several phone calls. 
Despite repeated assurances of adequate coverage, Bank of America has not charged with force gap coverage for a policy which costs an additional {$3000.00} per year even though the underlying insurance only costs {$1300.00} dollars, and once again, after expressly approving the amounts selected with my insurance agent on multiple occasions. I and my insurance agent have been calling every six weeks or so. This past time we called Bank of America could not provide and explanation as to why due to " system issues '' ( XXXX XXXX ). We were told that Bank of America could not explain why the force placed coverage can not be removed and refused to provide any further answers. 
XXXX manager XXXX ID XXXX, stated that the issue was because they did n't have declarations pages for " prior years ''. This is the first time that anyone has stated they were missing declarations pages. Bank of America has charged me various amounts over the past several months in violation of our loan agreement and seemingly arbitrarily.
Consumer complaint received 2016-11-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I filled Bankruptcy and Included a credit card within the Bankruptcy which was successfully discharged, however Bank of America places a Judgment on my credit for that debt which was discharged. I need the judgment removed from my credit and the issue rectified on Bank of America System of record to show this was discharged. I have contacted BOA several times by phone and in writing and have been Ignored. please review the correspondence I send to BOA.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CT)

I am submitting a complaint of the huge amount of interest that went on the loan since Navient has taken over. Even with the IBR, the payment is a little high. I was out of work for over 6 months and the repayment was higher than when I was working. I had to submit a request several times before it was completed and or processed. Not to mention that some of the loans have late payments and some do not even though they should all have been due around the same time. When I requested that the late payment be removed, I was denied.
Consumer complaint received 2016-07-19
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

At age XXXX, my mother fell and was XXXX. Due to geographical limitations, she has savings and checking accounts with a local branch of Bank of America. She has a Durable Power of Attorney naming my brother as the primary, and myself as the secondary, attorneys. She is in XXXX ; my brother is in XXXX ; I live on XXXX XXXX, but have moved temporarily to XXXX to help her through what are probably her final months. When we tried to add my name to her account as a signer so I can pay bills without mailing the bills and a book of checks to XXXX, my brother sent a letter explaining that it is more practical, and fully acceptable to him, for me to exercise the Durable Power of Attorney for the present time. I visited the XXXX branch of B. of A. He visited a XXXX branch. Each gave extremely conflicting and confusing descriptions of the many necessary steps to add my signature to the account. In either case, I believe we would be liable for legal expenses to have my mother 's lawyer revise the Durable Power of Attorney, a revision that would necessarily be temporary and result in further legal expenses and delays at the time of her death. My mother is XXXX and can not get in and out of a vehicle to go to the bank to sign any papers. Bank of America staff are unwilling to make the XXXX-minute round trip to her home to get a signature. Is there any recourse this side of the grave?
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP (CA)

Bank has not extended options for help during pandemic. Covid-19 has affected my ability to pay debt on credit card. I have asked twice, and both times received a message of not being eligible, once in mid pandemic and again today. I believe my account is on a list, where no one can help, because usbank also chose to close my accounts for no good reason. I have made payments, but do know other cardmembers have been offered help during these times.
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (AZ)

My wife and I applied for a refinance through Amerisave Mortgage on XX/XX/2020. We just did our signing/closing last Wednesday the XXXX of XXXX. This company refuses and rejects calls from you and has the worst communication. I have documented every call and email this 4 month period. When you get a response, it is always by email. They will email you and say they have been trying to call or reach you. Complete XXXX XXXX XXXX. When you do speak to them, you receive attitude and unprofessional customer service. For months, the loan processor kept telling me tge underwriter is still working on your loan. The underwriter needs more documentation, needs more paystubs, needs letters from your employees. Tgis we t on every month sending repeated documentation. My wife and I have good credit, careers and paying jobs. They have no problem contacting you when they need documentation to process your loan. It has been a complete nightmare working with this lousy XXXX company. We finally closed last Wednesday and have not heard a word from our loan originator or processor. We have not received our funds or means of paying other creditors off. This is my 4th time in my life i have refinanced and it usually takes 3 weeks, not 4 months. Now we sit in limbo, waiting with no communication wondering if this was even a real mortgage company. We feel like we've been scammed. I just don't want it gets to go through this hassle and stress. The government needs to look into or investigate this companies unprofessional practices.
Consumer complaint received 2021-02-09
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX Equifax was sent a SECOND letter via certified mail ( copy attached ) detailing violations to 15 USC 1681. This corespondence was complete with detailed company names, account numbers, and law violated. A copy of state issued drivers license, and social security card were included. As of todays date Equifax has not responded to any of the items questioned in that corespondence. On XX/XX/XXXX Equifax responded to my first complaint with CFPB that they needed more information despite this same information being given to them in ( 2 ) seperate letters of correspondence.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY CARD AND PHOTO ID AND OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT TO THE FEDERAL AGENCY I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-02-09
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have disputed a fraudulent Capital One open in my name. I have Disputed this multiple times as well as File a complaint with the police department and I also submitted a FTC to the credit bureaus XXXX  & XXXX. XXXX  has removed the account but XXXX  & XXXX have not.
Consumer complaint received 2018-06-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Southwest Credit Systems, L.P. (NJ)

Was denied credit due to negative information on report supplied by Southwest Credit. Never contacted at all before information was supplied on credit report causing defamation of character and load denial. Reported that the debit took place XX/XX/XXXX. I have been a resident of XXXX XXXX since XXXX. Account was cleared with XXXX XX/XX/XXXX no balance due since moving of apartment. No signature on any paperwork to verify thus debt. 

1. Statute of limitations expired in the state of XXXX  in XX/XX/XXXX. 
2. Southwest credit provided false information to the 3 bureaus without even verifying the debt which is unproven and the incident took place XX/XX/XXXX 3.  Caused a denial of credit and score drop due to in proven false information. 
4. Refuse to provide company address, web site and necessary information to receive written documentation. 
5. Disconnected from phone call on XX/XX/XXXX at XXXXXXXX when requesting mailing information. 
6. Reporting debt of {$180.00} that is not verified and created in another XXXX state back in XXXX past the statue of limitations. 
7. Attempting to force me to pay for something that is falsely created.
Consumer complaint received 2018-06-02
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: EQUIFAX, INC. (TX)

A public record pertaining to a chapter XXXX bankruptcy filing on XX/XX/XXXX is listed on all three of my credit reports. On XX/XX/XXXX I mailed a certified letter with a copy of the letter I received from XXXX tx court stating they do not report to any credit agencies. I mailed it to equifax XXXX and XXXX on XX/XX/XXXX I received letters back saying they would not remove the debt. This record is inaccurate amd XXXX court system did not reach out to credit agencies to put this on my credit report. This is violating my rights as a consumer.
Consumer complaint received 2018-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

My student loan provider is currently Navient. I have been paying my student loans for approximately 5-6 years now and have never missed a payment with them nor any other creditors. In addition to that, my interest rate w/ Navient is 5.75 % on both my subsidized and unsubsidized student loans ( fixed rate ). With that being said, I noticed when going through my payment history that they are applying my payments very inconsistently when it comes to interest and principal. For example, my due date is the XXXX of each month, on XX/XX/XXXX I made a payment before my due date in the amount of {$380.00}. {$170.00} was applied to principal while {$210.00} was applied to interest. On XX/XX/XXXX I made another payment of {$380.00} ( before my due date ) and {$130.00} was applied to principal while {$240.00} went to interest. That's a {$32.00} difference applied to principal. How is there such a substantial difference from month to month when my rate is fixed? It's bad enough that I began making payments towards my student loan in XX/XX/XXXX and none of my payments went towards principal until XX/XX/XXXX. I have attached my full payment history below which has been exported directly from the Navient website.
Consumer complaint received 2018-06-02
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: JPMORGAN CHASE & CO. (FL)

Good morning/evening, On the following dates of XX/XX/XXXX and XX/XX/XXXX Jp morgan Chase Bank and Chase Bank Usa, N.A filed 2 separate hard inquiries on my credit report where I never authorized such inquires. This is greatly impacted my ability to eventually purchase a home. I request to have them removed immediately.
Consumer complaint received 2018-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/XXXX, I received a {$1500.00} loan check from XXXX XXXX XXXX XXXX and then I deposited via the Bank of America mobile app. After doing so, I see that there is a 12-day hold on the deposit. 

I call the Bank of America customer service number, where I am told that, since I still have the check, go to the bank on Saturday morning and see if the local branch can at least make {$200.00} available.since. 

The following day I do so, but to no avail. Now, I have no way to pay my rent and utilities until the hold is lifted. Meanwhile, I will rack up a {$100.00} late fee on my rent and my electric service will be disconnected on XX/XX/XXXX at the close of business. This 12-day hold is onerous and goes beyond the standard hold time.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2018-06-02
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (TX)

Hello, My name is XXXX XXXX. 
I am wanting to submit a complaint for XXXX XXXX/ XXXX XXXX . I've been disputing late payments with them for months, with no results. I fell back on payments XX/XX/XXXX-XX/XX/XXXX due to a family emergency which caused me to leave the country for the time being. 

I have sent explanation to XXXX in writing over 5 times! with 2 additional letters being sent in XX/XX/XXXX, and have been turned down on all. I understand it is indeed my responsibility to make payments but this emergency was unseen. I have always been current following XX/XX/XXXX, always paying more than minimum amount required and maintaining a low % usage as needed. 

This complaint comes due to me being denied the help to correct this with the 3 credit bureaus. I am aiming on becoming a home owner by XX/XX/XXXX and this is the only negative mark on my credit which is holding me back from being where I need to be. 

I'd greatly appreciate the help, and will continue to keep my account in good standing. 

Thank you, XXXX
Consumer complaint received 2018-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (CA)

I have a loan with TD BANK USA/XXXX XXXX I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and TD BANK USA/XXXX  XXXX with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Consumer complaint received 2018-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, Transunion and XXXX with no successful resolution. XXXX and Transunion are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.