davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NJ)

I have smart option student loan with XXXX Bank with cosigner. I applied and made several calls to them to have my cosigner name released and every time request has been denied. My cosigner has no income. 
Every time, I call or request, the requirements to release the cosigner changes. 
This loan was approved with help of cosigner, which was recommended by XXXX Bank to increase the chances of my approval at the time of an application. Now, it has been more than 4 years, I have been making timely payments. I have checked all the loan disclosure papers, no where it says the requirements needed to release the cosigner. 
Please help me find, where on those loan papers we signed, says what are the requirements to release the cosigner at the time of approval of the loan. Why did the requirement to release the cosigner name went from 12 continuous monthly payments to 24, 36 and 48. Why is there a need to check credit reports for the borrower and cosigner ( has no income now ) all over again. Does XXXX XXXX bank wants to punish the borrower and cosigner? This company has never been cooperative and never works for the benefit of their customers. In my opinion, it would be better if XXXX XXXX Bank closes their operation, this would save lot of customers from agony and ruining their credit.
Consumer complaint received 2015-06-14
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Regional Acquisition Group, Inc. (WI)

These people continue to call my sister, parents, grandmother and worst of all, my place of employment. They have called every branch of the company I work for in my town and neighboring towns. They are very rude and aggressive to my coworkers, using profanity and telling them if they do not release information about me then they, too, will be served with papers for " noncompliance ''. They will not tell me who they are or even what company they represent always calling themselves XXXX XXXX or XXXX. They have left voicemail messages telling me they will be sending an officer from XXXX XXXX to my home and if I am not there it will be rerouted to my work. They give XXXX street addresses, so they know where I live and work but refuse to send me anything in writing. I have called them back XXXX and requested information in writing but have not received anything. The XXXX time they told me to stop calling their office and the other time they said " well at least now we know where you work '' and hung up. They XXXX tell whoever answers the phone that they need to talk to my boss, using my full name, and say I must be located due to a serious legal situation, I am being sued, and that anyone who helps or tries to help me avoid being served will also be arrested and prosecuted to the fullest extent of the law. I am very concerned I may lose my job if this continues. The people working for this company just keep calling sometimes up to XXXX times in XXXX day and are telling anyone who will listen that I am a criminal but yet, when I talk to them they wo n't give me any information and use fake names.
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In an effort to improve my credit, I requested a credit limit increase from each of the companies with whom I have a credit card account. All, with the exception of Bank of America, pulled a soft credit inquiry to make a decision, while Bank of America pulled a hard credit inquiry. While I realize they have the ability to access my credit, they should be required to advise all of their customers who are requesting a credit increase of the type of credit inquiry they intend to pull. I submitted my request online, and at no point did they inform me of this information. Had I been informed, I would have declined to continue. Their lack of informing their customer resulted in a XXXX point decrease in my credit score. They should be obligated to educate their customers on their process prior to pulling a customer 's credit, which may negatively impact them.
Consumer complaint received 2015-06-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had an account at Bank of America for years. About two years ago I went in to close it since I no longer used it. I was told there was no need to close it since it was a free account and there was no way they could change my account and start to charge my free account. I then left {$20.00} in the account to keep it active. This year I find out through XXXX that my account was low. It turns out my account was now {$16.00} in the hole and there was the threat to charge me an additional {$35.00} insufficient funds fee. Having no other option to close the account I had to pay them {$16.00}! No one would refund my account so essentially Bank of America stole {$36.00} from me. The {$20.00} that was in the account and the {$16.00} extra that I had to pay. Infuriating to be lied to by bankers that my account could never change. I would have closed it long ago if I knew they could change the terms of the account without my approval.
Consumer complaint received 2023-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

This is a request for information as well as notice of error. On XX/XX/2023 RightPath Servicing responded to my complaint. In their response, on page 2 paragraph 2,3,4 and 5 RightPath Servicing quotes information found in my master insurance policy and states page 82, section A.2. states that building does NOT include any personal property within the individual units or limited common elements except as provided in Paragraph A.1.f of this endorsement. Then goes on to describe permanent attachments/fixtures to the structure such as electrical fixtures, built-in cabinets and countertops and appliances etc. as being personal property. 
ANY permanently affixed fixtures, cabinets or wall & ceiling coverings ( paint ) and floor coverings ( carpet etc ) would NEVER be considered personal property in ANY type of insurance policy. 
I am not sure where XXXX learned that what she has described as personal property is considered such but I am requesting the documents she has relied on to make such a claim. 
It appears the response letter is a mix of language found within the policy and the letter provides no nexus to the claims made that these described features/fixtures of the condominium fall under personal property and are not covered by the All-In proof of insurance I have provided. Page 82, section A.2 and Paragraph A.1.f are mentioned but not provided to show that 1. These features/fixtures of the condominium are considered personal property and 2. These fixtures are not covered by the insurance policy. 

Please respond promptly.
Consumer complaint received 2015-04-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America mistakenly retained {$3700.00} through an erroneous merchant service transaction with my business. Although they acknowledge that they have this money that does not belong to them, and that it was a mistake they should have caught, they are refusing to give me my money back.
Consumer complaint received 2023-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (CA)

AWA Collections XXXX XXXX XXXX XXXX, CA XXXX RE : XXXX I am disputing this debt and collection in the amount of {$1800.00}. There was no signed financial responsibility form ever completed with XXXX XXXX XXXX. I would like to see documentation showing treatment rendered and my signature agreeing to charges and the charges listed. No statements/bills or attempts by the provider has ever been received. My insurance covered what was needed and that was agreed upon at time of service. 

This is also a HIPAA violation, and I will be reporting XXXX XXXX XXXX to the XXXX XXXX as I have a right to protect my privacy and medical and dental records from third parties. I do not recall giving any permission to XXXX XXXX XXXX for them to release my dental records to a third party. I am aware that HIPAA does allow for limited information about me but anything more is only to be revealed with the patients authorization. Therefore, my request is twofold Validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and dental charges. 

Cease any credit bureau reporting. AWA collection reported this to credit bureau affecting my credit report.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX AND XXXX # XXXX THEY HAVE VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX & XXXX collections has furnished a deceptive account to my credit file XX/XX/XXXX. I called both places asking for the payments I made on XX/XX/XXXX when I closed the account out & neither can supply the payment. The payment was in the amount of {$1100.00} for all equipment listed on the account when it was closed. They insist that I have a balance of {$120.00} in collections for a cellspot device that was not on my account. I have attached copies of the receipts from XX/XX/XXXX showing I paid off all equipment that was listed on the account. This was paid in store. I called the store to confirm I made this payment there on that day & the store was able to pull up the receipt & confirm that I paid off all of the equipment & advised that there must be a problem on customer service end. I am very frustrated with this situation. XXXX  customer service has no notes of the ongoing problems I was having with them since XXXX when I disconnected my phone line ending in XXXX. I was married at that time. I separated from my husband XX/XX/XXXX because of XXXX XXXXXXXX ( including financial XXXX ) I got a restraining order against him. He was listed on the account as an authorized user & had a mobile line on there ending in XXXX. He took out various lines of credit & claimed he didn't. Even after the restraining order he upgraded his phone. I tried getting XXXX assistance in helping him take over the account because I hadn't had a device with them since XX/XX/XXXX. They advise me to keep him as an authorized user since that would be the only way he could take it over. He never would. I called customer service multiple times about this. They would 3way him & he would say he was going to pay the late bills & take over the account. Whenever the time came, he did not. Raking continuous late payments in my name. Finally, in XXXX I got to a place financially where I could pay the account off, remove him as an authorized user, & close the account. I forgot to mention I had the service turned off prior & he called to have it turned back on. After this I went into the XXXX store ( listed on the receipts ) a few times until I finally just said forget it. I'll just have to take a loss on this. I asked them to pull up every device on the account so that I could pay them off when I close the account. You will see by the timing of the payments that I paid the equipment after the past due bill was paid & account was closed. All balances became due that day on all of the equipment. I paid it then & there. I have not heard of this other device that XXXX claims I didn't pay.This has been the most stressful experience with them. I want this deleted from my credit immediately! This whole situation has been very misleading from dragging me through keeping my abuser on the line as an authorized user to furnishing this deceptive file. I hope this can be resolved amicably. I would rather not pursue legal action.
Consumer complaint received 2023-11-14
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: EQUIFAX, INC. (CA)

CC : CONSUMER FINANCIAL PROTECTION BUREAU AND AND FEDERAL TRADE COMMISSION. 

RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g.

CFFB COMPLIANT NUMBER : DEMANDING ATTENTION FROM A LIVE REPRESENTATIVE!!! 


I am writing to formally express my extreme frustration and disappointment with the consistently inaccurate information being reported on my credit profile by Equifax and XXXX for the past year. Despite my persistent efforts to rectify these errors in accordance with my rights as a consumer under the Fair Credit Reporting Act ( 15 U.S.C 1681 ), it is disheartening to note that these issues remain unresolved. Over the course of the past several months, I have repeatedly exercised my right to dispute the inaccuracies on my credit report, citing the provisions of 15 U.S.C 1681 as a reminder of your legal obligation to ensure the fairness of the information you disseminate. My disputes on all 5 accounts listed below ( In Addition to, falsely reported inquires and an address I have no knowledge of nor have I lived at the address ), each backed by solid evidence of inaccuracies, have been submitted through certified mail and meticulously documented to ensure a clear and traceable record of communication. Despite my adherence to the prescribed dispute process and the gravity of the matter, I have yet to witness any meaningful action taken by the companies listed to rectify these erroneous entries. It is disconcerting to realize that my diligent efforts to correct these inaccuracies, backed by the law, have been met with indifference. Furthermore, I have discovered that my personal information has been shared without my consent to various third-party entities for financial benefit, a practice that appears to contradict both the principles of privacy and the standards set forth by the Fair Credit Reporting Act. The unauthorized sharing of my sensitive financial data raises serious concerns about my privacy and security, and it is essential that this practice is immediately ceased. I want to emphasize that my intent is not to engage in a confrontational exchange but rather to assert my rights and seek a resolution that upholds the principles of fairness, transparency, and accuracy that the credit reporting system is built upon. In light of the continued inaction and indifference to my plight, I am left with no choice but to escalate this matter. I expect an urgent and comprehensive response to this complaint, to rectify the inaccuracies on my credit report and ensure that my personal information is no longer shared without my explicit consent. Failure to address these concerns adequately will leave me with no alternative but to pursue legal avenues to protect my rights and seek appropriate compensation for the damages caused by these inaccuracies. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX & XXXX collections has furnished a deceptive account to my credit file XX/XX/XXXX. I called both places asking for the payments I made on XX/XX/XXXX when I closed the account out & neither can supply the payment. The payment was in the amount of {$1100.00} for all equipment listed on the account when it was closed. They insist that I have a balance of {$120.00} in collections for a cellspot device that was not on my account. I have attached copies of the receipts from XX/XX/XXXX showing I paid off all equipment that was listed on the account. This was paid in store. I called the store to confirm I made this payment there on that day & the store was able to pull up the receipt & confirm that I paid off all of the equipment & advised that there must be a problem on customer service end. I am very frustrated with this situation. XXXX customer service has no notes of the ongoing problems I was having with them since XXXX when I disconnected my phone line ending in XXXX. I was married at that time. I separated from my husband XX/XX/XXXX because of XXXX  XXXX ( including XXXX XXXX  ) I got a restraining order against him. He was listed on the account as an authorized user & had a mobile line on there ending in XXXX. He took out various lines of credit & claimed he didn't. Even after the restraining order he upgraded his phone. I tried getting XXXX  assistance in helping him take over the account because I hadn't had a device with them since XX/XX/XXXX. They advise me to keep him as an authorized user since that would be the only way he could take it over. He never would. I called customer service multiple times about this. They would 3way him & he would say he was going to pay the late bills & take over the account. Whenever the time came, he did not. Raking continuous late payments in my name. Finally, in XXXX I got to a place financially where I could pay the account off, remove him as an authorized user, & close the account. I forgot to mention I had the service turned off prior & he called to have it turned back on. After this I went into the XXXX store ( listed on the receipts ) a few times until I finally just said forget it. I'll just have to take a loss on this. I asked them to pull up every device on the account so that I could pay them off when I close the account. You will see by the timing of the payments that I paid the equipment after the past due bill was paid & account was closed. All balances became due that day on all of the equipment. I paid it then & there. I have not heard of this other device that XXXX claims I didn't pay.This has been the most stressful experience with them. I want this deleted from my credit immediately! This whole situation has been very misleading from dragging me through keeping my XXXX  on the line as an authorized user to furnishing this deceptive file. I hope this can be resolved amicably. I would rather not pursue legal action.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I reviewed a copy of my credit report and and I noticed that I had 7 late payments on an account that i was never late for consumer agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late. if proof cant be provided I demand these payments be updated to on time as the should be as i was never late thanks.
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-11-14
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. (NY)

Ive been in communications with TransUnion about inaccurate personal information on my credit report. Even after notifying them many times about this error they are reporting this incorrect information on my file. Not only is it unfair, its also illegal. Please find attached.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit score dropped more than XXXX XXXX points due to a late payment in XXXX after having XXXX years of perfect credit. I called trans union to figure out the cause. They said that there was XXXX late payment in XXXX that made it drop. They directed me to call the bank and request to have it removed. I called XXXX  XXXX XXXX and they told me that I actually had XXXX late payments. I told them that during those months, I had a family death, was graduating college, and moving out of my apartment. They told me that those were valid reasons to have those late payment reports removed. I checked my credit and it was still the same so I called trans union and asked why my credit score was not restored. They said the bank had not removed them. I then called the bank who said they had in fact removed the payment off of my record. Since then, i have called both XXXX  XXXX XXXX and Trans Union XXXX XXXX asking why my credit score has not been restored. Both companies tell me they are opening disputes to remove the charge and restore my credit and nothing has been done. My credit is still over XXXX XXXX points lower and I don't know who to call anymore to fix it or why the disputes are going nowhere.