davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I went on line to ask for a Bank of America account, I have had two before and I am a victim of Identity Theft. I have faxed in both police reports to the three credit bureaus and to as many of my accounts including school loans. I went in to XXXX XXXX XXXX to discuss the accounts and about reopening up one. When I saw him on Saturday the XXXX of XXXX and I also took in one of my police reports that was from 2013 with the IRS. I showed him the report or at least placed it on the table. XXXX XXXX XXXX was very polite and professional. Asked for me to come back in the week so he could call in and get authorization and to override my previous accounts. I called XXXX XXXX on Monday and I left several messages. XXXXXXXX, XXXX, XXXX, we basically were playing phone tag with each other. The number I called was XXXX, when finally speaking with XXXX XXXX, he mentioned he was waiting for a call/authorization and he would let me know, to wait for a call from Bank of America by XXXX. Around XXXX I received a call from XXXX XXXX and stressing that I owed money did I want him to tell me the amounts owed to Bank of America XXXX I can fax you the police reports and can someone let me know what my rights are as a Victim of Identity Theft and thank you.
Consumer complaint received 2020-05-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTION BUREAU INCORPORATED (ID)

Bill was to be paid by insurance due to car accident. Received notice that insurance did not pay and so I made arrangements to pay company directly. Balance was paid in full to the company that I received service from. Collection agency was not involved in payment and should not have reported on my credit. Original creditor agreed to contact collection agency to remove any negative marks due to them reporting on my credit inaccurately.
Consumer complaint received 2020-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (CA)

Just want to express that I am very concern and upset at this point. I havent had any response from American Express. I have been trying to solve this issue since XXXX of this year, and nothing has happened. 

I am complaining that American Express has done the following against the California Credit Reporting Act, and against my rights as a consumer : 1. Reporting different information across bureaus. 
2. Reporting incomplete information. 
3. Negligence 4. Unfair business practices, and some other violations. 

I want the following item to be completely removed from my credit report : the American Express account XXXX, opened XX/XX/2017 ; closed. 

Please send the attached documentation to American Express. 

Thank you!
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MD)

I believe Navient is over charging me on interest. I pay the required amount each month and by the following month my principle is almost the same as it was when i paid it the previous month because of all the interest accrueing!
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My XXXX XXXX was totaled in a hit and run accident. My insurance company paid the leasing company ( XXXX XXXX XXXX ) in full. The leasing company is saying i owe them XXXX. They never sent me any letters, calls, or emails regarding this. I've also talked to my insurance company ( progressive ) and they said they accepted the check in full and there was no problem. My claims rep said they agreed on the settlement and it was dealt with. 

Now, there's a charge-off/derogatory on my credit report from the leasing company. This is incorrect.. if my account was paid in full by the insurance, why do i owe anything? 

XXXX XXXX when you take out a car, includes Gap insurance.. and they covered any remaining expenses. Now my credit is damaged and i can't take out a new car.
Consumer complaint received 2016-08-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AZ)

My co-signer, my grandmother made monthly payments for years after I graduated, but when I found out I could get in-school deferment, I took classes at the college where I XXXX to get them to leave her alone and get some relief from this overwhelming debt. I have been XXXX for 8 years with no permanent position in sight. As an XXXX, I am subject to my classes getting cancelled due to low enrollment, thus losing valuable income and receiving no pay whatsoever as opposed to a full time faculty member getting the same salary no matter if their classes get cancelled or not. There is no way I can afford to pay the regular payments, so I spoke to a gentleman claiming I could be approved for a program to lower my interest to 1 % for 15 months, and lower my payments to {$230.00}. Not that I can afford the amount but it was better than than the alternative $ XXXX- {$900.00} payment per month. After I paid the first month of the program, I got sent a denial letter. I think it is unfair practice to take the payment without prior approval to the program. Now I am in danger of default and short money I could have used towards other debts.
Consumer complaint received 2020-05-25
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have purchased an airline ticket from XXXX XXXX in XX/XX/2020 and charged it to my credit card issued by Capital One Bank. 
The charge is from XXXX in the amount XXXX charged to my account on XX/XX/2020. 

XXXX cancelled my flight, but refuses to refund my money. 

I have contacted XXXX several times, but they have refused to refund my money, I then contacted my credit card issuer, Capital One Bank several times by mail and phone, but the bank have refused to accept my dispute. 
The bank has treated me in an arrogant and demeaning manner and with XXXX prejudice towards me.
Consumer complaint received 2015-06-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX/XXXX/15 Bank of America changed to XXXX. XXXX bank kept my checking account XXXX dormant savings while Bank of America kept my larger saving account and credit card. My payroll check is divided into my savings and checking. There in no Bank of America near me and my calls once I got through, a week later including visiting Bank XXXX XXXX with over XXXX people in the lobby on XXXX/XXXX/15 without being able to speak with anyone I found out yesterday that the only way I could transfer my money from Bank of America was to transfer the money with a charge. This was very deceptive in my eyes and have been totally blindsided and inconvenienced by Bank of America.
Consumer complaint received 2016-08-26
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

The present loan servicer claims they were not forwarded the verification I requested and to contact the prior servicer which was Bank of America. 
When I called Bank of America, I was given the file information I requested by telephone several times since XX/XX/XXXX. I asked to be sent written confirmation at least six times and told each time I would receive it in approximately two weeks. This is considerably longer and in months calculation waiting on the written confirmation from my file. I need the written confirmation for my own files. The request is a written confirmation of the permanent equity freeze on this account that applied to my Loan # XXXX XX/XX/XXXX there is a code number indicating the reason for the freeze.
Consumer complaint received 2016-02-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Berlin-Wheeler, Inc. (Kansas) (RI)

This number ( XXXX ) XXXX has been calling me every day and when I answer the line is silent then they hang up. I blocked the number and now it goes straight to voicemail every day and they leave no message. they also called me from ( XXXX ) XXXX. I guess the company is called berlin-wheeler inc. I owe no debt but these people just keep trying to call relentlessly and are silent.
Consumer complaint received 2016-04-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OH)

I applied for a Harp loan the XX/XX/XXXX. I was with XXXX. 
mortgage my payment was $ XXXX. XXXX sold our loan to Nationstar XXXX XXXX. We continued the payment setup with XXXX. Now Nationstar wants to increase our payment by {$860.00}. This is more than what we were paying before the Harp program. We feel they ae over compensating for a shortage in escrow. Our insurance went up about {$300.00}. 
Can you help us with this problem. They want this change by % XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX Loan # XXXX XXXX customer service
Consumer complaint received 2019-05-29
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. (OH)

My name is XXXX XXXX XXXX my DOB is XX/XX/XXXX SS XXXX my current and only address is XXXX XXXX XXXX XXXX , XXXX, OH XXXX. I have some issues with my name appearing on my credit report incorrectly my on name should be XXXX XXXX XXXX, please remove any other variation of my name. I have several addresses showing that are not mine they are not accurate please delete the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX It could be possible maybe a Ex Spouse address that I am not associated with.
Consumer complaint received 2020-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

My problem is with Equifax. In XX/XX/XXXX, I applied for autoloan and I discovered that among the 3 bureaus, Equifax was not able to provide my credit score. This surprised me because I have established credit lines since XX/XX/XXXX. So, I called them and spoke to different agents on more than 5 occasions and I was told that they couldn't locate me in their system at all even after using different personal information. As advised, I faxed and mailed them the documents with my personal information to help solve the issue. I just got a response letter from them saying the same thing, that they could not locate me in their database. Precisely! That was why I contacted them to find out what was happening and find ways to get to the bottom of this. At the same time, I called all my banks and creditors to verify if they have been regularly sending reports to all 3 bureaus which they said they do on a monthly basis to all 3. I reached out to Equifax again and asked if they have other ways to resolve my issue but I was told to do the same thing. It seemed like they have no other process in place for this kind of issue but to keep asking you to send your documents to them. After few months of countless inquiries with them, I tried talking to them again to follow up, but to my frustration, I still got the same closed ended answers. " I could not find you in our system. Send us your documents with your personal information '' I requested them to investigate deeper as there could be some technical glitches or mishandling of data that caused them not to receive reports from my creditors, but nothing happened. I really think there is a problem on Equifax side because how come my husband who has the same credit companies as I do, has credit profile in Equifax??!! I need your help to find resolution to my problem. I have been wanting to buy a house since last year but this is really holding me back. I feel helpless of just being told that I am not in their system and not knowing what to do next or where to go for help. After so many times of communicating the same issue, still, they are not exerting any effort to identify the root cause of this. 

I read a blog that your office was able to help him resolve this same issue that I have. I am hoping to get a positive response. 

Thank you! 

My credit companies : XXXX  XXXX XXXX ( credit card ),  XXXX ( credit card ), XXXX XXXX ( Auto Loan ), XXXX XXXX XXXX  ( Auto Loan )
Consumer complaint received 2016-07-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: The Phoenix Recovery Group (TX)

My husband and myself were pre approved for a mortgage loan. We gave {$500.00} in earnest money to our home builder and our loan papers were sent to a loan originator. A few weeks later we were contacted regarding some in dispute remarks on our credit. Phoenix Recovery Group was called by myself and my husband to have " account in dispute remarks '' removed from our credit report. We have also submit letters stating we no longer dispute the account and to please remove any indication that the account is in dispute to the collection agency as well as all XXXX major credit bureaus to have these remarks removed. The debit collector responded to the credit bureaus stating they refuse to remove the remarks. Upon calling the collection agency, a woman named XXXX screamed at me and demanded that I pay off the debit to have the remarks removed. She said her client needs to be happy as well. I told her that I did not need to do that and she is violating the law by falsely reporting to the credit bureaus the account is in dispute. She continued to yell at me demanding money from me. Our loan has since been denied because of this, our credit has taken several hits because they loan officer had to keep pulling our credit and we have to be moved out of our current home XXXX/XXXX/16.
Consumer complaint received 2015-12-09
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I went to see a local attorney to discuss and shared parenting revision to take my XXXX year old minor son to PA where I had obtained a good job. I met with the attorney once in XXXX 2015. He took some pertinent information. I met with him again at the end of XXXX 2015, still unsure if I wanted to go through with this, take my minor son, and move to PA. I had given his receptionist my credit card information if I wanted him to take the case. I signed a contract that stated he could do all the work ; file petitions, if the former husband gave me any problems, appointment of a 'guardian et litem ', etc. Toward the middle of the meeting I decided I did not want him to help me. He was late for the appointment, seemed XXXX and in XXXX with his records and his office. He also kept cursing. I asked him to tear up the contract and give me my {$2500.00} back. He billed my XXXX another {$2500.00} He said to send him a certified letter and he 'd give me my money back and would send a copy of the null and voided contract. He lied. He sent me an inflated bogus bill for services he DID NOT perform. He sent a bill for {$3500.00} with a refund check of {$1400.00}. I called XXXX and they originally took the {$5000.00} off. He fought back and sent his bogus bill, the contract with my signature and copy of signed slip for {$2500.00}. XXXX then gave him ALL of the money back. He has my refund of {$1400.00} also. I had another local attorney do the filing and revision for me for {$600.00}. When I called XXXX they closed their investigation and stated if I had sent the other attorney 's fee and what she did, they would have maybe given my money back. They did not tell me to do that and I sent all the information they had requested. It seems they did not take my story into account or these major issues with him. It is my XXXX, not his. 
XXXX took MY money and gave to this creep. I am a single mother and he must have found out I had a ZERO balance on my card with a {$5000.00} limit. I also took the money off as soon as I found out that he lied, billed my card another {$2500.00} and figured out he was scamming me. I just want my money back. There was no agreement that he would charge me {$5000.00} to talk with him for only 2 ( two ) hours. XXXX did not follow the consumer rules. 
Thank you.
Consumer complaint received 2016-11-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/2016, the bank charged me {$37.00} overdraft fee even though they have a 24-hour grace period. Huntington advertises this 24-hour grace period service and does not honor it. I feel this is deceptive business practice, because the 24 hour grace period service is only allowed at random or when they choose to let a customer use it.
Consumer complaint received 2016-11-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Roach & Murtha, P.C. (NY)

After receiving the call by a gentleman named XXXX of Roach & Murtha, PC in NY he stated he was an attorney and that he had frozen my accounts with XXXX bank as I was sued and they had won a default judgment. I mentioned to him impossible as I don`t have an account there and never received any documents to go to court. 

A few days goes by he kept calling me and I asked politely to please do not call me and send all information via mail as per law that I would need to check and go to the court and see what happened and why I did not receive anything and was unaware of any debt by the people he represented. 

Meanwhile XXXX kept on calling my work speaking to co workers and telling them about my debt and harassing them as well for more information about me. The company I work for offered their attorney to resolve and even after providing him with the information he kept harassing me and my co-workers and now even family members. 

As I try to vacate the judgement we find out that this case was already brought in another jurisdiction and the plaintiff had won the case with another attorney and this collector managed to get a second lawsuit in another jurisdiction for the same. Even after speaking with attorney and specifically told him that he was representing me in this matter he still calls and harasses me. 

I really need the help as it will cost me my job and he went nuts when I told him he had no case under res judicata and it would be vacated by the attorney. He wont stand losing his commission.
Consumer complaint received 2016-09-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P. (PA)

This debt was originally with XXXX. I disputed the debt with XXXX Credit services a year ago. Since then they removed the account after there 30 day investigation. Since then XXXX has sent the account to Southwest Credit Company which is a collection company. This company has reported it back on my credit again with there account number. I called this company on the phone and tried to explain that this account has been removed over a year ago
Consumer complaint received 2016-07-14
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. (CA)

I have been repeatedly contacted by South West Credit Collections. Every time that I have spoken to South West Credit Collections, I have verified with them that the debt is not mine, the information that they have in their files is incorrect, they have no social security number associated and the address they have The XXXX XXXX XXXX XXXX XXXX CA XXXX is not an address I have ever lived at or been associated with. They have assured me each and every time that I have spoken to them that they will take this out of their system and that I am not responsible for the debt. 

In 2015, my identity was stolen and I have subsequently been having to file Security Alerts with all XXXX Credit reporting bureaus, as well as file police reports and FTC complaints. 

I have been repeatedly disputing the South West Credit Collections account. This is not my accounts. 

I have spoken to XXXX XXXX ( where the alleged debt is from ) and they informed me that this is not my account and they would inform the collections agency that it is not my debt. 

In fact, The information that South West Credit Collections has is inaccurate, South West Credit Collections has confirmed that NO Social Security was used and the address for the alleged account is an address I have never lived at and an address I have never been associated with. 

However, that being said, South West Credit Collections reported this debt to all XXXX credit reporting agencies after I repeatedly told them that is was not my debt. I contacted South West Credit Collections on XXXX and spoke to the Office of the President and asked them how they can report this to all XXXX credit bureaus when I have repeatedly disputed this debt and informed them this is not an address I have ever lived at or been associated with and South West Credit Collections stated that NO Social Security number was given to them or XXXX. They then said that they do not need a social security number to file against my credit. I then stated that I have been disputing this debt and as such was informed by South West Credit Collections that they would be removing it from their files, which they never did. After speaking to South West Credit Collections on XXXX, the Office of the President said that they would be removing it from the credit reports, but they have not done so.
Consumer complaint received 2016-09-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (VA)

The account that says I owe {$310.00} has already been paid. I no longer owe this because I paid it directly to the hospital. Further more there is a HIPAA violation and I never approved for a third party to access my families medical records.
Consumer complaint received 2020-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NY)

I called Ally Bank to look into having fees waved for canceled checks, as they were lost in the mail by USPS. Because I misunderstood a question I was asked by the Customer Service Rep, and answered it incorrectly, my account was completely frozen and I have no access to my money at all. I was told I had to wait for a special rep to contact me and that it would take anywhere from 2 to 5 days. This is completely unacceptable, especially during a pandemic.
Consumer complaint received 2016-09-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Funding has called me several times a day on both my cell and home phone. They have also has placed several accounts on my credit report for debts that I allegedly owe to them, however I HAVE NEVER DONE BUSINESS WITH THIS COMPANY!!!!!!!!!!!!!!