davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (VA)

Navient is charging me exorbitant late fees and are paid back by spreading my payments to the late fees only. The prinicpal and interest of the loans are accumulating. As well as the penalties and late fees as I am in repayment. They currently want the whole loan paid in full and will not take less. I make payments but they still report negatively on my credit score impacting my ability to finance. I was defaulted on my loans before I even graduated XXXX. So once I graduated, XX/XX/XXXX, I was in default for non payment of loans whilst still obtaining my higher education. My loans on my credit report state that they stem from XX/XX/XXXX which is a major discrepancy as the loans stem from XX/XX/XXXX-XX/XX/XXXX. They are not reporting on my credit report properly and when I contact them I am hung up on and no return calls are made to me.
Consumer complaint received 2016-11-05
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

This is a summary of what happened after I submit my complain with case XXXX a lady ( name and phone # is known to me ) from Bank of America called last Thursday XXXX and she told me that they send my check, the subject of the complain, on XXXX XXXX And I should get it by next week, I went to the Post office and requested a hold to my mail in the post office just to avoid the excuse of not delivered. chickening the mail in the post office turn down to no mail from Bank of America received. I called her and informed her about the situation. Today Saturday XXXX I got a voice mail message, when I called and talked to a supervisor by name XXXX she informed me that check had been void and new check issued in XXXX XXXX and it will be with me within 7 or 10 day after she checked the address. this thing has been going on for 48 day up to day and they keep repeating the same thing for the third time expecting different result. 
Sir, Madam, this matter took long than it should and add a lot of hardship over the ones already there .Please looking for help and I do not see any coming, Your advice is highly appreciated
Consumer complaint received 2016-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NC)

In XXXX XXXX, I found myself in a very painful situation. I was separated, no personal goods, and virtually penniless. I discovered that I was in default on my Stafford loans, and I negotiated with the agent at XXXX XXXX XXXX to have the 30 % default removed from my balance if I found alternate financing. I applied for consolidation with the Department of Education Direct Loans during the same month, and XXXX did nothing with my requests to have the balance released until XXXX XXXX. When the Dept. of Ed. refi 'd my student loans, the additional 30 % was still included in the balance. I simply refused to pay until the error was corrected, until XXXX XXXX when XXXX XXXX started harassing my mother over the phone. I agreed to the default rehabilitation payment schedule with the understanding that the 30 % from the original refi was removed, as well as the additional 30 % tacked on by Navient for the more recent default. I followed through on my committment, only to discover that the additional penalties still stand. In essence, I complied and maintained my committments on a $ XXXX student loan debt, only to have the subsequent servicers add on fees balooning the amount to $ XXXX, sit on paperwork, and basically tell me I have no choice in the matter or in disputing the balance since Navient contends my completed request for the refi in XXXX qualifies as my approval of the balance ( which was NOT correct ). Adding insult to injury, this student loan debt was incurred for a XXXX XXXX XXXX in XXXX XXXX ( XXXX XXXX College ) and an XXXX in XXXX XXXX ( XXXX XXXX University ), none of which are any use in my current field XXXX. 
I have reached out to my Congressional representatives, and they have not been able to provide any assistance with this. This is my last stop before I consider bankruptcy.
Consumer complaint received 2015-04-24
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America called me and told me that I qualified for a quick and easy " HARP '' refinance. My mortgage is $ 100k. My home appraised at 900k. 
I submitted all documentation to the loan agent who never processed the paper work. Three months later, I have yet to speak to BofA and have processed a new loan elsewhere. Seriously disappointed in the level of service after being a loyal top 1-percenter for over 30 years. The Bank of America team, has been dishonest and fraudulent. I dealt with XXXX, XXXX at XXXXXXXXXXXX, XXXXXXXXXXXX XXXXXXXXXXXX ; XXXXXXXXXXXX XXXXXXXXXXXX
Consumer complaint received 2016-03-27
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

First off, Bank of America closed my account after a perfect payment history, claiming my line was being used too much. I accepted this, but then when I attempted to retrieve points, which I earned, I was told the account was closed and I was getting nothing because of it. If the agreement contained information about getting points and redeeming them for credit to my card or other things, I think I should get this. In addition, I was told I had a ZERO interest rate on my account for almost 2 years and I have been getting charged interest each month since they closed my account. I want to know why they can break my agreement, not give me the credit I earned and charge interest on something that is interest free still?
Consumer complaint received 2015-08-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Adler Wallach & Associates, Inc. (FL)

In XXXX, 2015 I entered a written dispute with AWA COLLECTION reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, AWA COLLECTION was attempting to collect a debt for which I had no knowledge and alleged was potentially opened by an unknown third party. Moreover, said account was appearing twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 

AWA COLLECTION failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with AWA COLLECTION an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. AWA COLLECTION failed to report said debt as disputed and failed to conduct an investigation into my allegations of potential fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state Division of Financial Services in Florida indicates that AWA COLLECTION is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to AWA COLLECTION have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of potential fraud. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of potential fraud.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (PA)

When XXXX XXXX moved to Navient..my loan was on deferment. They move the interest rate from 6 % to over 11 %. In addition, at that time my bankrucy paid over {$14000.00} to XXXX XXXX for my loan but it was never used to reduce my loan and in fact my loan increased from XXXX to over XXXX. I have paperwork to support this and sent to Navient and they said they could n't do anything because it was something that XXXX XXXX should have taken care of however XXXX XXXX letters came back to me because they do n't exist. So no one can tell me why my XXXX payment was n't applied to reduce my loan and why my loan went from XXXX to over XXXX. I need help and have no where to turn.
Consumer complaint received 2016-08-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (MD)

CBE Group, on behalf of XXXX. 

CBE reps hung up on me 2 times, which is extremely unprofessional. The first time, the rep blatantly lied to me and said she would stay on the line until I received e-mail confirmation of the bill I paid. 

I promptly called back, and a XXXX rep hung up on me while I tried to explain that I have n't received e-mail confirmation. Extremely unprofessional behavior aside, e-mail -- or some type of confirmation -- is important because customers sometimes have no idea if the call is a financial scam. 

Lies, obfuscation, and rudeness reflect very poorly on CBE Group, and XXXX. With the numerous complaints against CBE Group in the Consumer Complaint Database, why is this company still in business, and or why has it not been fined?
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Disputes Information Center To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXX There should only be XXXX address listed on my report, which is XXXX XXXX XXXX, NJ XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX XXXX XXXX XXXX XXXXXXXX There are more incorrect on you report, please remove from my credit report Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Arbor Residential Mortgage LLC (FL)

My mortgage was transferred from XXXX XXXX XXXX to Seneca Mortgage Servicing. While at XXXX XXXX XXXX, I was approved for a HAFA short sale and ready to close. I have the closing package as well as the approvals. As of today, I still have cash buyer ready to purchase. I also have a hard equity lender willing to do a short payoff refinance. The short sale did n't close out previously because title could not be cleared due to liens filed with the municipality and an erroneous blanket wild mortgage filed on every parcel on my block by a different lender. 
I have been trying to resolve my foreclosure through a modification, short payoff or short sale, but I have not been able to reach anyone at this company for the past 3 months. I tried to register online and to no avail. I sent a signed authorization in order to have third parties discuss my case, but I have n't had a response. I am currently in bankruptcy and my attorney sent authorization so I can apply for a loss mitigation workout solution directly with Seneca Mortgage Servicing. I sent this authorization to both Seneca 's fax number and email address. I really need assistance. I was faced with a series of medical emergencies that forced this hardship, but I am aggressively trying to resolve this matter. A foreclosure would impact my current employment and prevent me from working as a contracted employee. It would also hinder my return to school. Please help, please help me get a single point of contact to assist me.
Consumer complaint received 2015-09-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: FIRST ADVANTAGE CORPORATION (NY)

I was a victim of identity theft, and for the second time im receiving a negative consumer report, in which I disputed the false allegations once before and I will be disputing this report again because it was not me, I was never put in such a criminal situation. I was able to get a position at the same company in question, and they also had a background check done and I disputed it and I was able to work with the impression that the negative report was removed from my name. I need it to finally be removed.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-05-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (CA)

I paid my XXXX XXXX XXXX bill when I cancelled my coverage back in 2015. I even called when they sent a bill that was incorrect. The lady on the phone looked into it and said I was correct and did not owe the money and she would submit the information. I 've called XXXX XXXX XXXX again now that it has been sent to collections and they say they ca n't help me on the closed account. XXXX XXXX XXXX continues to give this collection to someone new every few months and I dispute it every time, but no one will help me resolve it. This is on my credit report hurting my credit and it should n't be. I 'm being harassed about this bill with no one bothering to help me get it resolved. I paid this in full a long time ago.
Consumer complaint received 2022-10-28
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: Experian Information Solutions Inc. (CA)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-05
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion has claimed that they have deleted several hard inquiries from my consumer report that were proven to be fraudulent. However, all of those hard inquiries are still listed under my consumer report today. Here 's the list : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automotive XXXX  Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXXnquiry : XX/XX/XXXX + Finance/Personal XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2017-04-04
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK (NY)

previous Case number : XXXX I would like to re-address this complain because the law firm XXXX has tried the same con again this year after we discussed in details a year ago regarding my monthly payment for XXXX XXXX as according the settlement. When this was first address when they did not want to honor the settlement, then they said they would and tried create a situation where I defaulted on my payments intentionally which is false from the time of the settlement I honor the agreement and made all payments. I received a default letter from the Civil Court of XXXX on Friday XXXX XXXX, 2017 advising I would be in default if a payment was not received in 10 days. This was first and only contact I received from XXXX regarding my payment. I never received a letter stating I need to setup a new payment schedule prior to the letter from the court. I was advised their system can not setup payment for over 12 month no explains was given is this my fault? I wanted to setup monthly payment for the remaining settlement because XXXX have tried in the past to change the rules and the settlement in attempt to used scare tactic against me. This default letter is prime example of the tactic they use to not honor the settlement from the courts. I contact them on XXXX/XXXX/2017 explaining the situation and they did not want to address it, however I agree to setup new payments. When speaking to several of their representative they all did not see the settlement amount XXXX in their system and was not sure why and was also confused. They only see the original amount of the debit from discover. The amount owes as of date from the settlement is XXXX XXXX. On XXXX/XXXX/2017 I paid a payment over the phone electronically for XXXX XXXX confirmation number is XXXX, and setup payments for XXXX for the next 11 months which would finalized the settlement amount. However the representative told me to contact XXXX to check on this because they do not see the settlement amount it the system, but they have statement previously they would honor. I do not trust this company and they have many complaint filed against, and have lied and misinformation me on several occasions not sure why they are able to continue to operation as a legitimate organization. I am contact New York District attorney and filing a complaint with BBB and contact XXXX for misrepresentation and other issues on this matter. I tried my best to work with XXXX in a professional manner and I feel I have not received the same treatment something needs to be done to protect other from this kind of treatment. I am also consulting with New York lawyer to see what or in any thing be done to protect me and family from them I fear there will try and damage my family going forward.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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