davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bread Financial Holdings, Inc. (TX)

In XXXX XXXX I placed an order with XXXX and paid balance in full in XX/XX/XXXX through their online system and the balance showed that it was paid in full. Since then, I placed an order purchasing goods through XXXX in XX/XX/XXXX online and was not told there was a XXXX outstanding finance balance on my account. I was reported to the credit bureau that I was delinquent in XX/XX/XXXX. On XX/XX/XXXX I received a text message to contact Comenity Bank and immediately called them and paid the supposed outstanding balance. This is an error of communication on XXXX and Comenity Bank and should not negatively impact my credit report. In good faith, Comenity should relinquish their negative report which has negatively impacted by credit score. As a result of lack of communication from XXXX and XXXX Bank, I have closed my account through XXXX.
Consumer complaint received 2023-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MI)

I own a home in XXXXXXXX XXXX, and the mortgage is serviced by Specialized Loan Servicing LLC since XXXX. I have maintained homeowners property insurance without an escrow since XXXX. In XXXX, I purchased homeowners property insurance from XXXX XXXX with a expiration date of XX/XX/XXXX. Prior to XX/XX/XXXX, I did not receive a renewal reminder from XXXX XXXX Specialized Loan Servicing LLC or Insurance broker/Agent XXXX XXXX XXXX However, on or about XX/XX/XXXX, I contacted XXXX XXXX, XXXX XXXX for the purpose of renewing the policy. On XX/XX/XXXX, the policy agreement was signed and payment or the insurance premium was given to XXXX XXXX. 

On or about XX/XX/XXXX, I received a mailed notice and a robocall from Specialized Loan Servicing LLC requesting verification of homeowners insurance. On or about XX/XX/XXXX, I received a mailed copy of the homeowners insurance binder from XXXX XXXXXXXX XXXX XXXX XXXX, with an issue date of XX/XX/XXXX and an expiration date of XX/XX/XXXX but the declarations page contained a policy period of XX/XX/XXXX to XX/XX/XXXX. I also discovered that the policy period dates were already uploaded to the Specialized Loan Servicing LLC insurance verification website. I subsequently called and spoke with a Specialized Loan Servicing LLC customer service representative, who indicated that unless I have the insurance coverage issue date backdated from to XX/XX/XXXX, I would be billed for a lender placed insurance policy covering an 8 day lapse period. I contacted XXXX XXXX, XXXX XXXX to request a change of the issue date to XX/XX/XXXX. However, XXXX XXXX explained that the insurance issue date could not be backdated because additional days were required to produce the above insurance policy due to a change of insurance carriers. XXXX XXXX also indicated that there are no insurance carriers that would agree to cover an 8 day period lapse and a grace period should be offered due to the above circumstances. 

Contact was established with Specialized Loan Servicing LLC, customer service representatives on two separate occasions. However, the customer service representatives were adamant that a force placed insurance policy would be obtained from XXXX XXXX XXXX XXXX for the 8 day lapse in coverage in the form of escrow on the mortgage account. This policy could not be paid out of pocket. Additionally, Specialized Loan Servicing LLC did not have a grace period policy and there was not a complaint resolution desk to resolve to the above matter. 

Specialized Loan Servicing LLC arbitrarily and capriciously, assessed my mortgage account an additional fee, which they determined was owed for an homeowners insurance lapse from XX/XX/XXXX to XX/XX/XXXX. However, Specialized Loan Servicing , LLC has yet to produce a valid insurance binder for above period and their action appears contrary to a court settlement from court complaint, XXXX XXXX v. XXXX XXXX XXXXXXXX XXXX  filed on XX/XX/XXXX, involving the same issues.
Consumer complaint received 2015-12-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: LOAN TO LEARN (GA)

I HAVE A PRIVATE STUDENT LOAN AND I AM HAVING A VERY HARD TIME TRYING TO REPAY IT I HAVE NO JOB MY BOY FRIEND ARE AGREEING TO PAY IT BUT HE,S TRYING TO GET THEM TO LET ME STAR PAY IN XX/XX/XXXX THE SGREED AMOUNT  OF XXXX BUT THEY TOLD ME I HAVE TO BE AT A DEPOSITION ON XX/XX/XXXX IN XXXX GA BUT I CAN,T GET THEIR AND I DO NOT HAVE MONEY FOR A LAWYER AT THIS TIME .THEY WANT ME TO COME UP WITH A XXXX DOLLARS THAT I DON,T HAVE TRYING TO GET XXXX  I AM RAISING MY TO GRAND KIDS AND I NEEDS A BALANCE ON MY LOAN I THINK THE BALANCE ARE WRONG AND THEY WILL NOT GIVE ME A BALANC WHEN I KEEP ASKING FOR ONE I PAID A XXXX ON IT BUT THEY WANT GIVE ME MY BALANCE I THINK THE BALANCE ARE WRONG AND WANT TO KNOW CAN IT BE DECREASED
Consumer complaint received 2023-09-05
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. (FL)

I notice there is a violation of my consumer rights 15 USC 1681a which states that transaction and experiences between the consumer and the person that's making the report are Excluded. I am also being violated under 15 USE 1666B which also states a creditor can not report a payment as Late unless there were a statement sent within 21 days of my payment, which this is a billing error. The third violation I notice was 15 USC 1681b I never gave written permission to report anything to my consumer report. FCRA says that there is to be Maximum accuracy in a consumer report according to 1681e ( b ) which I don't find to be in this case.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card XXXX account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have had a credit card with Bank of America for over 20 years. The credit card interest rate was still at 12 % as I had never had a late payment or missed a payment. Recently, I took out a mortgage on my townhome for much less than the appraised value. The mortgage holder requested that I use some of the loan proceeds to pay off the credit card so that my debt ratio looked better. I agreed to this as long as the credit card was not closed, as I could not get a rate this low again. The mortgage company sent the payoff along with a letter stating NOT TO CLOSE THE CREDIT CARD ACCOUNT. I have a copy of this letter. Bank of America closed the credit card anyway, then refused to reopen it. I did receive a polite, uniform letter informing me that I was welcome to apply for a new card with Bank of America at a higher interest rate, of course. The stated reason for not reopening my credit card was, " The terms for this account are no longer available. '' I declined. If I had known that Bank of America would take advantage of my payoff, I would not have paid the full balance. The letter clearly instructed that the account NOT BE CLOSED.
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. (OH)

Six years ago I contacted XXXX XXXX because I was struggling to make my payments and had fallen behind. I called into XXXX XXXX to discuss options for lowering my payments. I was informed that my only option was to sign up for forbarence and defer my loan for two years. This is not what I wanted to do because I want to actually pay this loan off, but no other option was given to me so I agreed. For two years I made interest only payments. It appeared that if I payed more to my account some principle was applied, however it did not seem to make sense as to why sometimes it was applied and other times it was not. 

Once I had passed through the two years of forbarence regular payments resumed, although now higher than before. I was pretty much in the same place I was two years before only now with a higher monthly payment. I tried to go along and make as many payments as I could but eventually ended up in the same place of falling behind. I called XXXX XXXX again and asked for options. This was around 2014. Forbarence again. Same deal as before. I just came out of that a few months ago. My payment is now, of course, even higher than before. 

Since I work for the XXXX I called and inquired about the loan forgiveness program. I already have 5 years of public service in so I thought this would be something to look into. I was told that this program would not work for me and the payments would be the same. So I continued to pay as long as I could until I was faced with the same situation again. 

I just called Navient a week ago and was put on a new repayment plan that will last for two years. It 's pretty much the same package as before but I am told that additional payments will be applied to the principle. I have yet to make a payment on this new plan yet. 

My largest issue with the past action on my account is the fact that I did not want to go into forbarence. I just wanted to lower my payment and continue to make progress on paying this amount off. All that happened was the can was kicked down the road and no progress was made.
Consumer complaint received 2015-06-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I purchased XXXX XXXX XXXX XX/XX/XXXX with a bank of America loan # XXXX. On XX/XX/XXXX the house caught on fire. After XXXX months of trying to get the contractor approved to build back the home ( after repeated attempts I even spent my own money trying to save my home ) Bank of American Had XXXX XXXX form XXXX ( XXXXXXXXXXXX ) call me to force me to sign over my property in Deed in luei or a short sale. I was not given the chance to build my home back and refinance with my credit union as planned. I have also contacted XXXXXXXXXXXX to join a lawsuit against bank of America for forcing foreclosure on me and keeping my insurance funds. I repeatedly contacted them regarding the XXXX they kept from the Insurance and after XXXX months the did transfer me $ XXXX and kept $ XXXX. After keeping the XXXX they also wrote the IRS that I own them XXXX in debt write off even though the XXXX documentation and there documentation stated they would forgive the balance entirely and no debt would be sought after me. I have called repeatedly and hired an attorney XXXX XXXX to get me back my XXXX that I am owned. This bank has repeatedly ignored me and my attorney even with a signed release that they can speak to him. I am begging this company to really investigate this thief and help me recoup my money so I can buy back a home for my family. This has been a XXXX year nightmare that needs to end. I would like my money. Please help I know I am not alone with this nightmare and can not afford legal fees with Bank of America refusing to respond accordingly.
Consumer complaint received 2023-04-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

Received repeated phone calls late at night or early in the morning. Used abusive and threatening language. Refused to dispute balance. Added fees not associated to the original debt owed. Continued to call me even after I asked to send everything in writing. Initially refused to remove from my credit if I paid it off. They also refused to accept payments I could afford. In the end, I had to pay balances that were over the initial bill and they eventually removed from my credit report.
Consumer complaint received 2023-09-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (CA)

I applied for a loan with a car dealership. They suggested that I go to Navy Federal Credit Union so that I don't have to put any money down. Everything checks out for an approval. When I went to the credit union today, XX/XX/2023, the credit union said that they would have an answer in 24 hours. One hour later I was denied. It was not because of anything I have on my credit report, or my income, it was completely because of prejudice reasons. I am a XXXX woman asking for a {$86000.00}. I was discriminated against and treated unfairly solely because of who I am. The dealership believed that I should have gotten the loan because everything checked out.
Consumer complaint received 2017-01-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OH)

Hi yes my name is XXXX XXXX and On XX/XX/2017 at Chase bank XXXX XXXX XXXX XXXX XXXX, Ohio XXXX my bank information was changed to another address by Banker XXXX XXXX without my concent and therefore my bank statement which includes where I work and average monthly paychecks was sent to that new address an address by which was set up in there bank with my ssn and she gladly accepted it without verification. When talking with the bank manager XXXX XXXX the GM and XXXX XXXX the market director both were more concerned about protecting thier employee instead of their client. I Already filed a police report against the banker and the person who had my info forwarded to their address, and yet the bank thinks it perfectly ok to represent the public in such an illegal behavior, without verifying ID 's. XXXX XXXX said on XX/XX/2017 we always check ID 's to before we change an address. I can tell you now NO THEY DO NOT, otherwise the police would have be called from the getgo so I go around in circles with this bank as they fail to uphold the law which gave the bank authority to hold the publics money. They would n't even provide the federal agency that oversees any wrong doing only they would provide the headquarters number. I demand here that someone be held accountable, also I had a password set up and they even failed to ask the attempted Identify thief the security question. Should I get the FBI Involved?
Consumer complaint received 2015-04-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

I currently have a loan modification application submitted to Chase. My loan has been in and out of the forecloure process since XX/XX/2009 The original foreclosure case was withdrawn by Chase following numerous fraudulent actions by the lenders Attorenys including XXXX, forgery and inproper notice to myself and my Attorneys. Chase has reinitiated the foreclosure law suit with the same Attorneys, who we have made several attempts to submit an offer to settle however they have now requested that a new loan modifiacation request be made. That request was made by me and I have confirmed that Chase has the documents and are processing the request. The Attorney for Chase is aware of the application as well. Chase has refused to halt the foreclosure while the modification is in review, Florida is a judicial State and the trial date is set for Monday XXXX XXXX. Furthermore, as of today the Attorney 's for Chase provided inacurate status report as to the modification request to my Attorney saying that Chase has contact me directly, which is not permitted as I am represented by an Attorney and which they did not do, and also my Attoeney which was also not the truth. No contact has been made by Chase. I did contact Chase to confirm that the file was recieved and in process. My legal rights have been abused by Chase and the law firm of XXXX once already. I deserve a fair review of my modification without the threat of lossing my home during the process.
Consumer complaint received 2015-04-24
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have a XXXX year CD from XXXX Bank that matured on XX/XX/XXXX. It was supposed to have renewed at the same rate as before. My Personal Banker had called to confirm that since Bank of America did not offer a XXXX year CD, they would be bound to honor the original XXXX year rate renewal terms. 
However, upon the actual renewal, they claimed that the could no longer find the terms told to us anymore and that they had elected to use the XXXX year term at 0.15 % instead. 
I found and sent my original CD terms document and sent it in via my Personal Banker who has really been my Advocate, since the Bank of America Representaive that informed her about my renewal terms and rate was so specific, even citing Special Terms that including a Final XXXX year Renewal that would terminate my CD in XX/XX/XXXX, without exception. Upon inquiry now, again BOA is denying its existance. 
I will attach my supporting documents as you have instructed me. 
Thank you very much for your assistance in this matter.
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My complain is with Transunion on why they allowed this company to do a hard inquiry on my credit report. I have tried to contact the with the company information that was on my credit but got a recording telling me to leave a message with XXXX XXXX but know response. I also follow up with certified letter on XX/XX/2015 requesting this company to contact Transunion to remove the hard inquired. I have not requested a loan, mortgage, or anything other credit transactions with this company.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-07-26
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-01-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (PA)

I had an HSA account with Wells Fargo for the past several years, and a few months ago, Wells Fargo notified me that they were closing their HSA business and that they would be closing my account and sending me a check for the balance. I subsequently got a call from Wells Fargo XX/XX/XXXX asking me if I would like to have my HSA automatically transferred to XXXX since they were selling their HSA business to them. I asked specifically about fees and he said that there is a monthly fee, but it is waived for balances over a certain threshold, which I met. So I then agreed to have it transferred. 

I just checked last Wells Fargo statement and I was charged a transfer fee of {$430.00}! At no point did the representative mention this fee even though I specifically asked about fees. A {$50.00} fee would have been unacceptable given that I did n't agree to any fee and I should n't have to pay a fee just because Wells Fargo sold this business to XXXX. A {$430.00} is just predatory. I could have rolled my balance into my other HSA for free, like I was planning to until I got this call from the Wells Fargo representative. 

I have contacted Wells Fargo regarding this fee, and they have directed me to XXXX since they no longer have the HSA business, even though the fee was charged by Wells Fargo.
Consumer complaint received 2017-02-13
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY (CO)

An annual fee was posted to my Delta American Express card that I had stopped using ( so I was n't expecting new charges ). I received an email about the annual fee XX/XX/2017 and called the card company to waive the fee and close the card. I was informed that the fee was posted XX/XX/2017 and that since 31 days had elapsed no one could waive the fee since the policy was recently changed to 30 days for fee waiver. 
Now, this is unfair for two reasons. 1 ) This was not the policy when I signed up. When I signed up, you could close the card at any time and be refunded a pro-rated amount of the fee. 2 ) Fees are posted in XX/XX/XXXX -- - a 31-day month. 
The system is set-up for failure and to hurt the consumer. I called at the exactly 1-month interval. I have spoken to all levels of customer service, account management, and member retention. 

Please help me resolve this issue. I have been a customer with American Express for 10 years.
Consumer complaint received 2015-03-25
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Go Capital Holdings, LLC (IL)

I reside in XXXX i purchased a used car 7 months ago and was never presented a copy of the contract the loan is threw go financial there operation of business is located in XXXX i calledthem and ask for a copy they sent it in the mail and to my discovery they are charging me 27 % intrest which is a violation of XXXX and XXXX Usury laws it is 18 % over what XXXX laws allowed and 17 % over XXXX laws i also discovered my signature appeared to photo copy and place the the signature line as if i sign it i am very knowledgeable in contract law in meaning i always sign without prejudice UCC 1-308 & UCC 1-103.6 then my signature following with UCC 3-402 ( b ) ( 1 ) that mean the dealer who i made the purchase threw violatedUCC 3-302 THE HOLDER DUE COURSE, because it was not a good faith contract, and the Dodd Frank Act and its a violation of the hobbs act as well.