davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

As of XX/XX/2019, I have been trying to work with my mortgage company on extending my deferment for the past several months. I gave them my military extension ( amended ) orders and requested to extend my deferment in a timely manner. Ive also provided them a copy of the new California Amendment with an effective date of XX/XX/2019, which doesnt require to get a JAG Court Order but they keep beating on my head that I do. I told them numerous times that this new amendment covers 180 days within a 365-day period.  I have been on XXXX XXXX for two years without a break in service. I am also waiting for another military extension ( amended ) orders to continue my medical care and treatment for my injuries I suffered in the XXXX XXXX. All I am asking them is to please extend my deferent for six more months not the entire duration of my current XXXX XXXX. I have also requested numerous times for them to provide me via email or mail what they need so I can give the information to the JAGs Office but I keep getting the same phone conversation that they cant. I finally contacted JAG for assistance. The JAGs Office and I placed a three-way phone conversation to the mortgage company but to no avail he couldnt convince them that the JAG Court Order doesnt exist for what I am requesting. Now, I am here filing a complaint. Please help me resolve this matter. Hopefully with your help, I am granted the additional six-month deferment I have been requesting.
Consumer complaint received 2019-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (FL)

I opened 2 business accounts in XX/XX/XXXX at SunTrust. While in the process of transferring money from my previous bank, I tried to access my account online but was unable to. I contacted XXXX XXXX, Branch Manager in person, and he pulled up my account and stated that my account had been CLOSED but could not provide a reason. He told me that I should not attempt to try any transactions for the next 5 days. Which I did. He stated that then after 10 days the bank would send me a check to close each account. The dollar amounts are in excess of {$46000.00} in my combined accounts. 

I have communicated with XXXX weekly and still not get any relief. I attempted to contact XXXX once again on XX/XX/XXXX. He was unavailable and off property. He left me a voice mail providing me with the fraud departments phone number which I called on XX/XX/XXXX only to be told the number was an inhouse number and they could not help me. I was then transferred to the personal banking center, which they stated they could not help me either. I was then transferred to the small business center. 

I told the phone clerk about the situation and provided all account information. She stated that she could not help me but would contact a person in the appropriate department that could. I said great I will wait to be connected. She then stated that I was not allowed to speak to them!!!!!!! 

She eventually came back online and told me that the account was not closed but under review for referral, but I could not transact any business. So, I said in other words it is closed. She said n. I said then I want to close the account at a local bank. She said she did not know if that was possible! 

I went back to my bank only to be told that XXXX was off property once again in a managers meeting. I said where is it perhaps they could help me. She stated that she would not tell me. I then went to another bank location, you guessed it in a Managers meeting. 

I believe SunTrust is attempting to fraud me from my money. They have been totally uncooperative, uncaring and have stalled over and over. They have not been forthcoming having never officially notifying me the status of my account. Is it closed or not? 

The lady on the phone did inform me that I was being sent a check for {$200.00}. This bank needs to be investigated ; can someone tell me how to proceed to recapture my money which has been stolen from me. 

Thank you XXXX XXXX
Consumer complaint received 2019-10-17
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: Experian Information Solutions Inc. (MO)

Have disputed 3 items now with aExperian for the second time, and all I am getting is that is being verified without them proving or providing any kind of documents or signature proving the account s are in fact mine. All they are doing is using the XXXX system that says. Yes. Is his account s.
Consumer complaint received 2019-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

We were offered a trial modification in XX/XX/XXXXof which we accepted. The trial payments as stated in the offer requested three ( 3 ) payments, but we received a letter to continue making the payments until we received the final modification documents. 
We made five ( 5 ) payments of {$2600.00}. 
XX/XX/XXXX - Debit - Transaction-XXXX XXXX, XXXX - Debit - Transaction XXXX XX/XX/XXXX - Debit - Transaction - XXXX XX/XX/XXXX Pmt Made with Representative - Comf . XXXX XX/XX/XXXX Pmt Made qith representative - Comf. XXXX As of XX/XX/XXXX There was a suspense amount on the account of {$42000.00}. 
XXXX XXXX we called to make the XX/XX/XXXX payment, we could not make any payment. 
Why? we asked but we were told that they were waiting because the modification was complete, and there was in fact a suspense amount ( {$42000.00} ) on the account that would be applied for XX/XX/XXXX payment. 
We waited all of XX/XX/XXXX, we did not receive any documents as promised. We kept in touch to make sure we were getting the modification and they assured us it was complete. Finally on XX/XX/XXXX, we received the modification documents with a request to return them by XX/XX/XXXX. 
According to the Modification documents, Our first mortgage payment was due on XX/XX/XXXX, however we received a Notice of Default on our Mortgage before we received the executed Modification Agreement, from that point on we have to fight to make the payments. We had to call in to make the payments and get a supervisor to ok the payment. We mailed in some of the payments. 
Then starting XX/XX/XXXX received a default statement showing that we owed {$12000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$3100.00} XX/XX/XXXX {$3100.00} XXXX XXXX {$3100.00} According to the Modification Agreement our payment was {$2600.00}, when did the payment change? 
The second statement for XX/XX/XXXX came stating that we owed {$8900.00} showing payments of : XX/XX/XXXX - {$2500.00} XX/XX/XXXX - {$3100.00} XX/XX/XXXX - {$2600.00} With a suspense amount of {$610.00} We have tried, over and over again, each representative we have spoken to has advised us to have the situation investigated, they could not see any reason why the account has so many changes in the amount of the payments. 
There is noting in the modification agreement that shows the payments will change each month. 
We received another statement XX/XX/XXXX XX/XX/XXXX - payment {$3000.00} XX/XX/XXXX - payment {$2600.00} List of all payment from bank receipts will follow by fax. 
Thank You
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

In response to my complaint XXXX, TUI has issued me my credit report ( file number : XXXX ) free of cost and advised me to buy my credit score in that. I bought my credit score and grade by paying asked price. But my credit score and grade is misleading as it contains incorrect information. The reasons being that this credit report and hence score, does NOT show my past home loan mortgage account, does NOT show my various credit cards like XXXX, XXXX etc accounts, the longest held credit account is more than two decades old but still report hence score is complaining about insufficient credit history. XXXX has forcefully closed my account to malign my credit reports hence credit score as it is clearly evident for TUI case as it states NO open accounts on credit file. XXXX did NOT listen to me sympathetically in near past although I was never delinquent and late in paying my dues. So given all of this, I will make an earnest request to take up the matter with XXXX and reinstate my credit card account and further and more importantly it should find all the other relevant past accounts for myself credit cards, mortgage account and recompute my credit score for now and going forward. Thanks in anticipation. Further information will be provided on specific asking/s.
Consumer complaint received 2019-10-17
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: Experian Information Solutions Inc. (CA)

XXXX ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$1100.00} on the XXXX XXXX XXXX/XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account was billed incorrectly and should have been submitted directly to the provider. ( I have attached a copy of my insurance card for reference. ) I had insurance coverage at this time. This incorrect reporting of a collection I do not owe is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (GA)

XXXX keeps reporting a charge off account as a recent charge off more than twice within the same year and my score has dropped each time that the account was reported. This account was originally charged off in XX/XX/XXXXand twice in XX/XX/XXXX and again on XX/XX/XXXX First Progress has erroneously reported this account as being recently charged off which reflects in a score decrease each time.
Consumer complaint received 2019-11-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX XXXX contacted via phone on XX/XX/2019 saying they were trying to collect a debt for Synchrony Bank ( XXXX ). They said the address they had on file was the street address of my former residence. My mailing address was a PO Box . 

I attempted to get an address for them to mail them a letter requesting debt validation. I finally was able to get a valid address and mailed a letter to them certified mail. The first letter I sent was signed for by XXXX XXXX on XX/XX/2019. XXXX never responded to my request for debt validation. Instead they sent me a letter on XX/XX/2019 threatening referral to an attorney. I sent them another letter that was delivered to them on XX/XX/2019, again requesting debt validation. I received a letter dated XX/XX/2019 again threatening a suit, but no debt validation. I called XXXX on XX/XX/2019 and was told by the representative that they had not received any letters from me, even though I do have confirmation from USPS that the letters were delivered. They said they had mailed me a letter in XX/XX/2019 ( to my current address, which they did not have in XX/XX/2019 ) advising that they had bought the account from Synchrony Bank. That in no way validates that they actually bought the account. 

I need validation that they have the authority to collect this debt before I make any promises for payment to them.
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I've never had a missed payment with CapitalOne credit card. I do my very best to stay on top of my payments and it says on my credit report that I have 1 missed payment 30 days late listed for on XX/XX/2017. This account was on automatic payments so there is no way there would be late. I called CapitalOne and they looked into it. They said they could change it but they can't remove it because " their system wont let them ''. I've been working very hard on my credit and have been a faithful customer of CapitalOne for years. I don't understand how they cant remove that when it was their doing. I really like doing business with CapitalOne but I also really like to have a good credit score and this is impacting my score and I would like it removed.
Consumer complaint received 2019-10-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Opportunity Financial, LLC (ID)

I recieved a PREAPPROVED letter inviting me to apply for a loan with a " code '' on it to " verify '' it was me applying for the loan. I applied for this with the assumption that I had been PREAPPROVED as indicated by the letter. As it turns out, I was denied and now I have a ding on my credit report. How is this allowed?
Consumer complaint received 2019-11-04
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ad Astra Recovery Services Inc (TX)

I never received any documents or email to validate this debt.I just started receiving phone calls saying i will have a warrent for my arrest and they were sueing me and one of my references who was not even part of the loan.just a reference..they kept calling the reference disclosing information and threatening them after my phone number was changed.i tried to explaine the reference did not have anything to do with it they just hang up on me, then call back the next day in the same manner
Consumer complaint received 2019-10-16
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. (GA)

THIS IS NOT A CREDIT REPAIR COMPANY. THIS IS THE ACTUAL CONSUMER XXXX XXXX. I HAVE ALSO SUBMITTED THIS COMPLAINT VIA MAIL WHICH YOU SHOULD BE RECEIVING ANY DAY NOW. I SUBMITTED A SIMILAR COMPLAINT OVER A MONTH AGO WHICH STILL HASN'T BEEN RESPONDED TO. YOU ARE WELL OVER THE TIME LIMIT FOR RESPONDING TO THE COMPLAINT AND THE ITEMS BELOW NEED TO BE REMOVED IMMEDIATELY AS YOU ARE NOT NOT COMPLIANT VIA THE FCRA. STOP DELAYING. AGAIN THIS COMPLAINT IS  DIRECTLY FROM THE CONSUMER AND NOT A CREDIT REPAIR COMPANY. YOU WILL BE SUED BY MY ATTORNEY IF YOU DELAY THIS AND DON'T REMOVE THEM ITEMS IMMEDIATELY!!! 


Equifax has a bankruptcy listed on my credit report that was deleted and then added back on. I called the courthouse. They stated that they don't have anything in the system and that they don't report to credit bureaus. They said that a third party does and that I needed to dispute or file a police report which I have. This needs to be removed again permanently. I have retained an attorney. I have also disputed this multiple times. My attorney states that we can sue the credit bureau and win due to all of my documentation and Equifaxs refusal to remove it. Also, all of the bureaus have multiple inquiries on my report that I did not authorize. They are as follows : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX should not be reporting 3 times, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Please remove these asap.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2019-11-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019 I sent Bank of America the attached letter revoking consent to be contacted by telephone, recorded, or called using pre-recorded automated dialing systems ... which they completely ignored. I have received at least 5 telephone calls from Bank of America starting around XX/XX/2019 multiple times per day, using automated pre-recorded messages, and recording me. Furthermore, I have told them I am represented by an attorney and they ignore this completely. I want this harassment to stop and I want Bank of America to contact my attorney XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX No lawsuits have been filed YET.
Consumer complaint received 2023-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

The ATM machine did not fully process my transaction. Its stuck in a processing your transaction mode. Been waiting for over 20 minutes. I can not get the machine to cancel or credit properly. My account I need help XXXX is not responsive. 
ATM ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX United States Amount : {$4300.00} Stuck processing transaction wait! 
Tried cancelling multiple times wont fix anything
Consumer complaint received 2019-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IL)

I have been assessed fraudulent late fees since XX/XX/2012. There are twelve of these!! I was never informed of these late fees until I called Navient recently! My credit history shows I have never been late on any loan or credit card payments. This is a ruse. I have been paying on this account for 15 years and my account has not gone down. Navient told me I had to pay {$1300.00} to ever bring my account down. Capitalized interest on my XXXX dollars loan at 2.8 percent or so is often {$270.00} every few months. That is outrageous and a deliberate attempt to destroy me.
Consumer complaint received 2019-11-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

This complaint is a continuation for the complaint # XXXX filed on XX/XX/2019 and the complaint # XXXX filed on XX/XX/2019. 
BofA called me right after I submitted the last complaint, on XX/XX/2019 someone from BofA called asking questions about XXXX XXXX my housing counselor. They provided a number to contact them XXXX ext XXXX until today no one has answered my calls or the housing counselor 's calls. We sent the pending information for the so called " modification '' they wanted me to apply and no one has responded either. Every time I try to call to the loss mitigation number it redirected me to another department and I can't speak with a representative. 

This is the third complaint I am filing regarding my problem with Bank of America. They extended the sale date to XX/XX/2019 just to keep ignoring me and not work on my application. I was told that I needed to apply for a modification in order to be eligible for a short sale and that's what I did. Until today BofA has not worked my file, doesn't return phone calls and doesn't want to deal with my housing counselor. 

I don't know what else to do, I have contacted your company because I was told that you were an institution created to protect the consumer but I don't see that BofA is really concern about the way its handling my file, instead they rejected the previous complaint and continue ignoring me.
Consumer complaint received 2019-10-17
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: FIRST NATIONAL BANK OF OMAHA (TX)

I disputed a vendor charge with my credit card company First National Bank of Omaha ( FNOB ) in XX/XX/XXXX. The issue was resolved quickly before the next billing cycle, however FNOB erroneously posted a comment on my credit report, I contacted them they said they would remove the comment. They then claimed they did, I ordered my credit report from XXXX via the annual credit report process. The remark is still on my credit report, I called FNOB they said it shouldn't be and suggest I file a compliant with XXXX to get it investigated. XXXX  did not make the changes, because they did not receive documentation from FNOB regarding this issue. I'm done messing around with this, I'm filing CFPB complaints against both companies and on Monday, XX/XX/XXXX I'm going to start looking for leaders of both XXXX and FNOB on XXXX over this issue. I also obtained the email address of FNOB 's CEO who I'm going to reach out too about how this was handled. I want this inaccuracy corrected on my credit report from all 3 bureaus.