davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  # XXXX, XXXXXXXX XXXX XXXXXXXX, DEPT OF ED/XXXX  # XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2016-07-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (SC)

Account Resolution Services has listed an account on my TransUnion credit report stating I owe them money from XX/XX/2011. 

This debt does n't exist. I do n't owe the Dr. office any money they are " supposed '' to be collecting for. They are trying to collect on debt that does n't exist. 

Also the Statute of Limitations in South Carolina for open and written contracts is 3 years. This non existent debt is pass the statute of limitations. Plus it does n't exist in the first place. 

Account Resolution Services is in of violation the Fair Debt Collection Practices Act and in violation of the Fair Credit Reporting Act for actively trying to collect on a debt that does n't exist and actively trying to collect on a debt that is pass the Statute of Limitations. And for knowingly and willfully listing inaccurate information on my credit report.
Consumer complaint received 2016-12-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION (TX)

I have had XXXX overdraft charges. This is excessive. The accounting system at Compass Bank is terrible. News and media reports have this well documented. Compass Bank settles excessive overdraft class action for {$11.00} XXXX XXXX Complaints with excessive overdraft fees!! 
XXXX
Consumer complaint received 2024-10-30
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (MD)

The original collector is XXXX XXXX XXXX. This debt is a charge off, the account is now closed. Then XXXX did not pass the correct info to XXXX XXXX XXXX and they now have this sitting on my credit report as open collection and now have some other people name XXXX harrasing me calling me and texting me to collect payment .I have asked to provide me proof of a validation letter where it says Im responsible of this with XXXX XXXX XXXX and of course they never did. I need this to be remove off of my credit report please. XXXX and XXXX has it as open collection account. XXXX is the only credit bureau that has it as closed account because is a charge off. Please look into this matter.
Consumer complaint received 2016-09-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Federal law, The Truth in Lending Act, requires a written notification to the borrower if the ownership of your mortgage is sold, assigned or otherwise transferred. This notice is in addition to any notices you may receive about the transfer of the servicing rights for your loan. 
On XX/XX/2016 Countrywide Bank, XXXX. assigned and transferred to Bank of America , N.A . all its right, title, and interest in and to a certain Deed of Trust for borrower XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX for a property located at XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX ( Recorded in XXXX XXXX XXXX, NC on XX/XX/2016 at XXXX ). 
Why was no notification sent to me, the borrower, that this transfer had taken place?
Consumer complaint received 2017-01-30
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX After recent changes with my credit report and not being able to obtain reasonable percentages on new mortgage rates and being numerous times denied credit I decided to carefully review my credit history and Bank of America Loan Modification which was done XX/XX/XXXX. As l have poor understanding of such matters, I asked for help of a few different financial councilors and Consumer Financial Protection Bureau specialist. And unanimously I was advised to give closer look at my loan modification as it seemed to be unfair in nature on how it was done at the beginning in 2010. That year our American economy was struggling badly and I decided to call Bank of America and see if there was a possibility for me to lower my interest rate from 6.375 % to 2 %, as it was offered in recently passed Government Bill. That is all I wanted. Bank of America told me that it was possible and that it will take time for it to process. They told me that everyone was going through hard times and they had lots of work therefore a representative was never available in person, although there was a BA office right across the street from my residence. In the process and couple conversations over the phone, I was sent trial payment slips and I was told to send payments as it was instructed on those slips. I was never before late on my mortgage payments and I trusted BA, and sent all payments on time. However, I was completely unaware that BA was reporting me to the Credit Bureaus as delinquent and unable to pay, and at the same time they were charging me delinquent interest and delinquent escrow from XX/XX/2010 to XX/XX/2010 of more than {$7500.00}. I was told that I was getting 2 % on my interest drop but BA took advantage of my situation. They never explained to me a full picture of what I was going to be placed into. Just recently after reviewing my mortgage paperwork I found out that my mortgage was not modified. BA did a full refinancing of my loan. They did not lower my interest rate as I requested, but they extended my loan years from 30 to 40 and not only extended, they restarted the whole loan from the beginning, therefore today instead of having 20 years left on my mortgage I have 34. My interest rate is being raised and already reached 4 %. They also charged me {$7000.00} for refinancing and to this day I do n't know what happened to my trial period payments that I sent in and how they were applied towards my loan or it just simply vanished and ended up in someone else 's pocket. 
As a result of this I suffered high interest rates on other loans and products because my credit history for seven years showed negligence as a non-paying and high risk consumer. I was charged over {$7000.00} in fees and to this day I am not sure what happened with my trial payments, as for more than five months bank was putting them aside, and did not applied them to my loan.
Consumer complaint received 2016-01-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (UT)

I attended University XXXX at XXXX for two years and needed to take out private student loans to be able to afford school. My private student loans are through Navient, formerly known as XXXX XXXX. XXXX 2015 they withdrew XXXX dollars from my bank account without notifying me of my change in repayment terms. They had overdrawn my bank account weeks before XXXX. When I called to ask them to please refund the money to my bank account so I was n't charged an overdraft few they said it would be impossible for me to get the money back for up to three weeks and that if they cancelled the payment I would have to pay them immediately another amount even without the money being refunded to me.
Consumer complaint received 2017-02-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

I am writing bc I graduated in XX/XX/2005 with combined Federal and Private loans thru XXXX totaling around XXXX XXXX Upon starting payments they wanted me topay around {$1000.00}. a month at which the time I could not afford. We went back and forth and they said there was nothing they could do for me so they kept issuing forebearance. Finally they gave me a plan in which I could afford where they explained it would be interest only payments for so long then it would start going towards the principal. Well I have been making payments at first around XXXX and now they 've been around XXXX $ a month for the past XXXX years but I have been paying consistently since I 've graduated in XX/XX/2005. My grand total is now {$100000.00}. that I owe!! I called to see how I am ever supposed to get my total down if theyre charging me interest upon interest at the back end of the loan. Their answer was start doubling up on your payments. But at this point if theyre charging me interest on the back end no monies are going toward anything. I will be retiring owing more than I graduated in XX/XX/2005 owing. Something does not seem right. Please help.
Consumer complaint received 2015-07-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I went to XXXX College XXXX. I was told by a school counselor " everyone used XXXX XXXX to pay for school ''. Well now I 'm {$530000.00} in debt to what is now Navient. I do n't have a degree, because after I realized how much money I was borrowing I attempted to pay for school by working XXXX jobs. This did n't even make a dent. I became overwhelmed and left school XXXX credit hours in. So now I have no degree and {$960.00} in loan payments every month XXXX both private and federal ). My co-signer ( my mom ) is taking one of my loans over, which is {$200.00} a month, leaving me with the remaining {$760.00}. For how much I make, that total leaves me with no wiggle room. I have n't been able to have a savings account for years. I live paycheck to paycheck and I 'm still falling behind. My interest rate with Navient is 9.75 % so any money I 'm giving them is n't even lowering my total. For awhile I was on this great plan with them and they lowered my payment to {$250.00} and they lowered my interest rate to 2 %. I made every single payment and felt like I was getting back on track. They made it sound like if I made my payments on time for 18 months straight I would have a lower monthly payment after the program. Well that did n't happen. I 've tried speaking to customer service several times and now it 's to the point where I have too much anxiety to even call them. I dread the phone calls every day. I 've tried to give them as much as I can each month, but it 's never enough. I 've now fallen behind on my federal loans and I feel like I 'm out of options. I would gladly pay my loans if the amount every month was a littler more reasonable.
Consumer complaint received 2015-09-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I opened a business merchant account about two months ago with bank of America in XXXX, WA. on XXXX XXXX. at zip code XXXX. I felt I was misrepresented about all the fees included in the merchant account service. I was informed that I would receive certain benefits with the merchant account like free cashier checks and money orders. On XX/XX/XXXX, I requested a money order and was informed I would have to pay for it. I informed the teller that money orders and cashier checks were free as a part of my merchant account she went to get the manager and the manager informed me no that was not the case and all the other situations were " customer curtsy ''. I asked to speak to one of the sales person there and he looked it up and said yes, you are entitled to that service with your merchant account. The money order was never granted and the manager never apologized once the sales person corrected her. This location of Bank of America is mostly XXXX run and I have been a business owner in this community since XX/XX/XXXX, as an XXXX. I have witness only XXXX XXXX employee there since XX/XX/XXXX. The manager who addressed me on XX/XX/XXXX was XXXX. She was unapologetic and her affect was mean and nasty as though she was looking down at me. The person who set up my merchant account was also XXXX and did not include additional fees ( I was told the machine would cost {$32.00} per month to rent but not informed the additional fees that came with the rental which was another {$4.00} then I was never told about the insurance that I would need which came to {$4.00} ). A lot of fees for a very small business like mine. I was also never informed that these fees would be separate from my monthly fee. I feel that XXXX are looked down on and a pattern of racial discrimination is taking place at this location with XXXX. Only XXXX XXXX employee in 11/12 years at this location, I am probably their only XXXX with a merchant account at this location, my account was never set up with the full benefits until XX/XX/XXXX, that others got. Other banks in the community have XXXX employees working for them. The point of banks besides holding our funds is suppose to be " customer service ''. Well, no apology and no money order for this black man at that location that day. Service denied!
Consumer complaint received 2016-02-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (AL)

I am a co-signer on a student loan with Navient. I know that the student is one month behind in her payments. I am receiving anywhere from three to six calls a day from Navient. Today I received a call every two hours. I have quit answering my phone when they call. I refuse to talk to them! I know that she sends a payment every month. It 's just late.
Consumer complaint received 2015-12-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX, 2015, My personal checking account at bank of America was closed without any warning and good reason. this cause my financial difficulty and unknown damaged in the future. 
After calling BOA several times and provide the information that they need, they still freeze my money and said take 7 days to resume my account. At this time I have no confidence to the bank of america and hope this is not some employee try to cheat.
Consumer complaint received 2016-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (FL)

In XXXX, XXXX, after pulling my credit file, there was a collection item on my XXXX report. The same collection item was reported on my XXXX report but they have since deleted it. XXXX refuses to delete saying that Southwest Credit System Account number XXXX has been verified as reported by the data furnisher. I have repeatedly contacted Southwest Credit Systems and they refer me over to XXXX ( who held the original debt ). The only thing I 've been able to establish to prove this account is not mine is that it was apparently tied to an address I lived at over 30 years ago with my ex-wife. From the XXXX through XXXX I lived in XXXX, MD with my second wife. Also, XXXX confirmed that this account was set up using a different SS number than mine. So my SS number does not match the account. The deliquency apparently happened in XXXX, XXXX. I have proof that I did not reside there. In trying to work with this company, XXXX and the credit bureau, and after sending several documents that prove my residence, they refuse to act on this error. I am next contacting my Congressional office ( XXXX XXXX XXXX but thought since I did n't get any resolution from the XXXX I would try once more through this process to have the actual reporting company investigate this matter and clear it up.
Consumer complaint received 2015-03-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

I was given misleading and inaccurate information regarding why a payment was withdrawn late from my State Employees XXXX Credit Union checking account was withdrawn late. I have made several efforts ( as documented ) to ascertain the reason for this. Both State Employees XXXX Credit Union and the credit card company, XXXX XXXX, have been passing the buck back and forth blaming each for the issue and neither party taking responsibility for this issue that has to do with their outdated ACH systems.
Consumer complaint received 2015-11-12
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

above points are not applicable. 
Bk. of America issued me a new CC because my No. was misused. 
I had for years " minimum automatic payment " set up. 
When the next payment was due, I did nothing because I trusted the min. autom. payment agreement with BoA. The following month I did the same. 
The total amount was just arround {$20.00} which is the " min. payment amount ". 
The result of this was : BoA reported me for not paying my CC. 
When I complained, they told me : " By law they are obliged to report me etc.. And itwas all my fault etc.. IT WAS MY DUTY TO RENEW THE MIN. AUTOM. PAYMENTWHEN MY CC WAS REPLACED "! 
I assumed of course that it automaticly continues as everything else in my CC contract. 
All my complaints were to no prevail. 
This happened about 2 years ago and my otherwise impeccable Creditreport is stilltarnished today!!! 
I only found out today about your CFPB. This is why I am contacting you so late. 
But I really think that BoA needs to be punished for this! 

Thank you for your time and attention. 
XXXX tel. XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was on XXXX when someone reached out to me saying they worked for the government. I trusted them and they had access to my account in which I lost XXXX dollars total. I tried to submit a claim with my bank ( Capital One ) and they said they could not help because I gave authorization. Keep in mind that the person had access to my account and I had to do what they said because I was told that they can take my account.
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (PA)

I took out XXXX Parent Plus loans for my daughter back in XX/XX/XXXX. Over the years payments have been made regularly and I am currently up to date. I sought to renegotiate the terms of these loans because I am now older and can not afford to handle the repayment costs that are about to escalate on XX/XX/XXXX. I am currently paying XXXX for 18 months on XXXX loan, which will drastically jump to XXXX on XX/XX/XXXX. The XXXX loan is at XXXX for 17 months, then it will jump to XXXX on XX/XX/XXXX. This was the only option that Navient Loans would give me. I recently read about a lawsuit about this organization making it hard for people to repay such loans and as a parent who helped his child to have a college education, I will not be able to handle this increase next year. From XXXX per month to XXXX per month for 6 years. I was given no other option but to call back in XX/XX/XXXX to try to get it lowered. I am trying to be proactive and receive help and guidance. Thank you.
Consumer complaint received 2015-07-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Update from case # XXXXBank of America has assigned me yet another case manager : XXXX XXXX. I last spoke to home on XX/XX/2015. At that time we agreed that I would re-apply for a home loan modification. He was to send me via XXXX the paperwork and mailer with which to send updated income information and bank statements. As of today, I have not received these document instructions or the mailer. I just tried to make a payment on my account to bring it current and the Bank of America website locked out my new bank information, so I am unable to make this payment for the next 3 days, thereby making my payment 30 days late ( unless I pay a {$15.00} fee ). 
I contacted the HOPE line as included in my Bank of America denial letter. In speaking to XXXX representative over a 2 hour time frame, I was told that I do not qualify for help because I am not late in my payments. I was also told that the option that Bank of America gave to me : a short sale, that I do not qualify for this as I have equity in my property and not " upside down ''. I would think that a banks should know this if they were truly looking at my case. The other option : Deed in Lieu of Foreclosure appears to give the bank all of the assets that I have worked so hard to avoid. 
Bank of America is taking away my ability to keep this property by denying my request for the home loan modification. I do not want to become late in my payments. I do not want to send private documents without some sort of paperwork to support them. Bank of America has placed barriers to my ability to continue paying for this property and appears to want to take the pro cedes of my hard work over the past 10 years. 
Please help me. All I am getting is lip service and time wasting telephone calls with no action. 
I am attaching the letters that I was sent supporting this complaint.
Consumer complaint received 2017-01-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

I just read about the complaint filed against Navient ( formerly XXXX XXXX ) and I was subject to those issues. I was encouraged several times ( and took the advice ) to enter into forbearance. Never once was offered an income-driven repayment plan when I struggled to meet high monthly payments. Fortunately I was able to the loans off just a couple years ago.