davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (WI)

Hello, my student loan processor is Nelnet. All of my student loans are Department of Education loans and remain so. Since my graduation from graduate school XX/XX/XXXX, I have maintained my loans under a regular income-based repayment plan. This required recertification in that plan on an annual basis with updated income amounts. I met this duty XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX. As it relates to this year, I reenrolled for income-based repayment on the Department of Education web page. I completed this update online before the deadline listed on both the Department of Education website and Nelnets website. I even have a screenshot of the deadline listed on the Nelnet website - XX/XX/XXXX. I note that I took the opportunity to take a screenshot of the deadline as every year in providing my updated information, I have add " difficulties '' in communicating with Nelnet. I have now received correspondence from Nelnet advising me that all of my student loan interest has capitalized. No information was given as to why my interest had capitalized. Upon completing a telephone call with Nelnet this evening, I was advised that I apparently did not make the deadline for providing my updated income-based repayment amounts. As such, not only has my interest capitalized but I have lost my regular income-based repayment plan and have been placed on a standard repayment plan spanning the course of 10 years and costing more than {$1000.00} in loan payments per month. I requested that Nelnet provide me with a written confirmation/explanation on why my loan interest capitalized. I was initially given a PO Box in XXXX Nebraska that I would have to write to to obtain such a confirmation. However, after further complaint, I was advised that Nelnets " correspondence team '' would try to send me correspondence in about five business days regarding why the interest capitalized. Upon further cooperative complaint, at the capitalization as well as losing the income-based repayment plan, personnel at Nelnet tried to get me to sign up on the spot for different plans which I had only their preliminary information to go off. 

I write for your assistance and returning me to my regular income-based repayment plan that I have persisted on for the last four years and hopefully to un-capitalize the interest they accrued. Please help.
Consumer complaint received 2016-08-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

It was a great hardship for me to get a loan modification from JP Morgan Chase in 2012. They service my loan in my name, but the property this loan is on is in a XXXX Trust for my daughter, XXXX XXXX, who is XXXX. They refused to give us a hardship HAMP modification solely on the grounds that the property was in trust. SO we had to serve Chase Lawyers. Finally after two years, we were given a HAMP mod in 2012. Unfortunately, Chase did not keep their agreement to keep our loan payment affordable. They only lowered the interest rate a portion of a percent. Then in the years to follow they have increased the payment by over {$200.00} a month, making it too high for us to pay. The reason they gave was that there were " mistakes '' made on the escrow account. They have done this twice and despite numerous letters asking for explanations they have refused, only saying it is was a " mistake ''. This year I received a notice from the Tax Assessor in XXXX XXXX County, saying that a " fine '' was attached to the property. I called and talked to them. They said the fine was to be paid by CHASE, not by me, and levied because Chase failed to notify the tax assessor of the modification. Chase however, attempted repeatedly to claim that I was the property owners responsibility. We got a chase supervisor on the phone and conference called the tax assessor and they repeated that it was Chases debt to them. Chase said they would remove that from our escrow account, but I do not believe they ever did. We believe this is against the law, not to mention and incredible abuse of power, committed against and elderly man and his XXXX daughter. We are seeking to have our mortgage reduced back to its original amount and Chase is not saying again they can not do that because it is in trust. It is outrageous. And we are well aware that the small increase in our property tax this last years could in no way account for the drastic increase in our payment. We desire to have our payment modified or reduced to the original amount and that any increase be justified as related to our financial burdens alone, such as increases in tax and insurance ( which has not increased ). Any mistake that may have been made are not our responsibility and must be adequately justified. My XXXX daughter is recovering from XXXX, she has XXXX. Moving her now may XXXX. XXXX. She is very ill and it is highly damaging for her to be put in this position by this bank. Please help us to get our mortgage lowered to its original rate or accomplish a modificatoon and get explanations for the increases. Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am writing to lodge a formal complaint against Bank of America for unjustly denying my claims for fraudulent transactions resulting from identity theft. This decision has caused significant distress and financial burden, compounded by my current health conditions. I demand a thorough review of my case and prompt resolution, as the bank 's actions have exacerbated an already challenging situation.

Claim ID - XXXX - ( {$780.00} ) XX/XX/year> / Claim ID - XXXX ( {$320.00} ) - XX/XX/year> / Claim ID - XXXX - ( {$240.00} ) - XX/XX/year> / Claim ID - XXXX - ( {$660.00} ) - XX/XX/year> / Claim ID - XXXX - ( {$130.00} ) - XX/XX/year> I expect a swift response and appropriate action to rectify this unacceptable situation. Thank you.
Consumer complaint received 2016-12-21
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (NC)

Franklin Collections agency continues to report an account from XXXX XXXX partners. I have disputed the account several times. I contacted XXXX XXXX partners, they said the date of several was XXXX 2008, which is far outside of the 7 year allowable reporting period. In addition, I had insurance at the time of service, so the account should have been paid, which was confirmed by XXXX XXXX XXXX.
Consumer complaint received 2016-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I submitted a dispute with all XXXX credit bureaus ( Transunion/XXXX/XXXX ) informing all parties such as the Credit Bureaus and the creditor that these accounts does not belong to me due to been a victim of identify theft during XXXX data benches. After notifying the credit bureau via online disputes/phone calls/letter notification I continuously receive notification stating " verify ''. I requested supporting documents from both parties requesting signature, contract, state license information and etc. Under the Fair Reporting Act I understand my rights as a consumer and verify the matching of my name and social does not coincide with verification. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate with accurate documentation be provided. I have submitted a claim with Federal Trade Commission regards to this issue. It is my right If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WV)

This company calls after XXXX. Tonight they called at XXXX XXXX  my time again tonight. I've not heard anything from my first complaints in XXXX when one call was at XXXX XXXX  & XXXX XXXX. So they can continue to call me and I'm trying to still recover from fractures in my spine. I have a fracture in XXXX, XXXX, XXXX, XXXX all with now XXXX XXXX. Them calling me at XXXX XXXX  is stressing me out, I was just to my XXXX XXXX XXXX yesterday.
Consumer complaint received 2015-07-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION (FL)

I have a pending payment due on the XXXX of XXXX for a loan used to pay XXXX University at XXXX XXXX, FL. I am experiencing financial hardship and as a result, I will not be able to make the payment at their specified amount. I decided to be proactive by calling Sallie Mae before my account becomes delinquent. When speaking with the Sallie Mae representatives, all they offered was forbearance as an option. I explained that I had already taken that option for XXXX months, which increased the loan amount as well as my monthly payment terribly, and that I was now ready to pay a monthly amount that is more fitting to my financial needs. End result : after speaking with many customer service representatives and supervisors such as XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX I was told that no sort of help or temporary repayment plan would be offered until I became delinquent on my account. Their solution was for me to not pay on my loan, and they even went as far as to encourage me to go into default. I have the representative ID numbers of several employees which made the statements described above. I am surprised as to how this company is allowed to be in business in the United States of America, and disgusted as to how they target students for these loans. I am ready and willing to make some sort of payment of my account, I just can not afford the amount demanded by Sallie Mae and it 's representatives at this time. The customer service team there appears to have a goal of pushing their clients into default. It 's an unfair business practice which is not even seen in the majority of credit card companies.
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (NY)

On XX/XX/2023 my checking account with Current Bank an amount of {$800.00} was taken out by XXXX XXXX. My account was compromised and I reported to current bank who did not investigate as they should and failed to return money that was stolen. I reported it immediately once I came back in town and yet my back still did not investigate and see that this was an invalid charge.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MD)

I contacted credit acceptance due to a balance owed on auto loan that I had stop paying for. We were able to come up with a payment agreement and due date. I have Been paying that amount of the due date since XX/XX/year> but it has still been reporting to my credit as being late. I was Under the agreement that setting it up will put me back on track until its paid in full and would not report to my credit as late every month
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CrossCountry Mortgage LLC (NY)

I have 3 hard inquiries on my credit report that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ) XXXX/Cross country Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ) These companies ran my credit without my authorization.
Consumer complaint received 2015-04-17
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I Applied for credit at XXXX, XXXX, XXXX and XXXX XXXX. 
trying to establish credit, I have been rejected by all inquiries, stating that Ihave low score reported by TransUnion LLC Consumer Relations CenterXXXX XXXX XXXX, Pa XXXX XXXX. I am young and feel Ibeen Discriminated Based on my age and or Race, as a result of myapplying at these Companies for Credit, all I have Obtain is a lot of HardInquiries that are now having an Adverse Effect on my credit Score, just byInquiring to get Credit. The Federal Equal Credit Opportunity Act Prohibits Creditorsfrom Discriminating against credit applicants [ Provided the applicant has the capacity to enter into a binding contract. Prohibited Practices 12 CFR 1002.4 A creditor shashall not make any oral or written statement, in advertising or otherwise, to apllplications or prospective applicants, that would discourage on a prohibited basis, areasonable person from making or pursuing an application. Regards to the Creadit Scoring System, any system other than the Empirically derived andStatically Sound is a Judgmental System. I currently have to contact these companiesCompanies that I applied for Credit and ask if they can send from eachthem a Letter to TransUnion LLC Consumer Relations, requesting, if I canget these Hard Inquiries Deleted off my Report, only because I Applied forCredit. Being Young and just able to Apply for Credit, has been DiscouragingNot knowing the more I applied, that this would also hurt my Credit Reportwith these Hard Inquiries, and Obtaining still No Credit Opportunity toEstablish Credit, Now I only have Hard Inquiries on Report.
Consumer complaint received 2017-03-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Massachusetts Educational Financing Authority (MA)

I am a co-borrower on a private MEFA ( Massachusetts Educational Financing Authority ) loan. The primary borrower, my parent, defaulted on this loan and while I understand I am fully responsible for paying back the loan, I was NEVER warned that this loan was going into default. I never received notice, by phone or by mail, about this default status nor was I given the opportunity to make payments or take responsibility. My credit has now been absolutely destroyed by this. I pay all of my other bills, loans, and other debt in a timely manner and on time - this can be proven by the other items on my credit report. This loan alone has now been allowed to completely ruin my financial future. I went for years without even knowing about this defaulted loan, and I only found out about it when I tried to apply for a mortgage and it came up on my credit report. I had absolutely no previous knowledge of the status. I called the collection agency that my loan has been assigned to, and I tried to work with them but I can not afford to pay the total, especially given the cumulative interest that this has accrued. The primary borrower is making payments as well, so I am afraid of tarnishing their payment agreement. I have no good solution to this problem and do not see any way to otherwise help my credit. This will likely haunt me forever. I 've called multiple times and MEFA is unwilling to work with me at all. I have spoken to various representatives who have promised to see what they can do and none of them have ever called me back.
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion had a glitch in their system that violated MY rights under section 6.11. As a result I have been affected as well as my score. No notice was ever given to me -which is also a violation. Iam requesting that ALL inquiries be removed.
Consumer complaint received 2015-04-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Massachusetts Educational Financing Authority (NY)

Since XX/XX/XXXX monthly loan payments are not being correctly applied to the proper loan accounts. Service company has been contacted numerous times by both phone and mail without success. Incorrect credit reporting has resulted in denial of credit several times. 

A complaint was filed in XX/XX/XXXX ( XXXX ) and subsequent payments have been mailed to the special handling address provided by the service company. 

However, no change has resulted from using the special handling address, and the mis-application of payments and incorrect credit reporting has continued.
Consumer complaint received 2016-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been a victim of identity theft. 
I have sent a copy of the ftc identity theft affadavit, social security card, drivers license, police report, proof of address and everything the credit bureaus requested to block the identity theft off my report. They have violated my fair credit reporting act and refuse to do anything unless i buy their identity theft program. 
They barely speak any english, refuse to give you a supervisor and is next to impossible to find a number for a real person and not automated without buying their services.
Consumer complaint received 2016-02-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Riverwalk Financial Corporation (MD)

On XXXX/XXXX/2016 around XXXX EST I received a call from a XXXX XXXX at Deville Asset Management LTD in regards to my past due XXXX Account. I answered the call from work because we have been playing phone tag to request a call back in a hour when I punched out. XXXX XXXX than proceeded to tell me I never answer the phone, I attempted to explain to him I got in a car accident the beginning of XXXX. I was on my parents insurance and they do not wish to file a claim through insurance so my medical expenses are out of pocket. XXXX XXXX proceeded to call me a thief and began to get really hostile. I explained to him I am a single mother trying to pay off several balances, than he called me a liar!! I requested to speak to his supervisor who stated he was The Director of Collections. He told me he knows his colleague and there is no way he talked to me in that manner. He stated he would pull the call but I am not sure if that ever happened ; I explained to him I would be filing a complaint because there are ways to collect debt. I worked for XXXX XXXX XXXX for almost 5 years collecting on credit cards, single mothers, elderly, and individuals experiencing financial hardship should not be treated as criminals!! He said that was good for me!! A hour later I got a call from a supervisor and I advised her I would rather involve a third party and she got frustrated and disconnected the call. 

There are still MANY PEOPLE TRYING to rebuild there lives from the past recession and the DAILY financial war we battle DAILY!!! 

I communicated with XXXX XXXX in XXXX advising I would rather do a settlement option because I can not commit to an extensive payment program working as an independent contractor. I have student loan debt, liens, credit cards and much more. I am doing the best I can with an income under {$20000.00} per year!!
Consumer complaint received 2016-12-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After repeated dispute attempts to provide validation of debt in collections. Credit reporting agency has not validated debt information for the collections debt portion placed on my account.after i have disputed several times. I have not received validated proof of debt. Please help to resolve.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX, I saw a credit inquiry from Bank of America on my credit report ; Called Bank of America on XX/XX/XXXX, confirmed a fraudulent checking account was openned in my name around XX/XX/XXXX. BOA Claim # : XXXX. 

On or about XXXX got a call from Bank of America XXXX XXXX XXXX XXXX fraudulent credit card applications were received and BOA rejected both. They saw fraud alert on my experian account so both applications were rejected. I asked if there is any other account with BOA opened in my name ; I got a NO confirmation. 

On XX/XX/XXXX, while reviewing my credit report, I found an inquiry from BOA on XX/XX/XXXX. So I called BOA customer service again, and this time found out there is a fraudulent BOA business credit card opened using my SSN. The account was opened around XX/XX/XXXX, same as the other XXXX fraudulent application were rejected. The address and business name on the account are not mine ( fraudster changed the address to theirs, business name is something Elevator service LLC ). I filed an Identity theft report with BOA on the phone, the report # is : XXXX. 

On XX/XX/XXXX, I went into BOA branch in XXXX NJ, showed my identification and filed a fraud claim with BOA - Claim # : XXXX
Consumer complaint received 2016-10-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OH)

My home is currently in the foreclosure process. Wells Fargo sent me an enticement that essentially asks me to make 3 more monthly payments before they will see if I am eligible for any other loan modification. Asking me to make 3 more payments before they will see if I qualify for any other loan modification is unconscionable and predatory.