davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Well on XX/XX/2016 I did a mobile deposit using the app that Bank of America offers. Usually after i do the mobile deposit I properly dispose that check. Well for whatever reason I did n't do it at that time. Check was left on my wallet for 2-3 weeks unnoticed. On XX/XX/2016 a delinquent person stole my wallet. Use my credit cards and deposit the same check into his bank account is XXXX. Well, this person forfeit part of the signature by adding XXXX to it ( which I never use ). Since the check had been clear from my bank weeks before, Bank of America debit my account for the amount that was on the check without checking or consulting if this was a legal transaction or not. I started this process on XXXX when I received the letter on the mail. I been calling the fraud department from both banks and all they are doing is blaming each other. I consulted my company payroll bank and because they did n't suffer any loss they ca n't do the affidavit of loss and Bank of America does n't want to do it for me either. I work hard for that money, it was my mortgage payment. I need someone to help me. Please.
Consumer complaint received 2016-03-01
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I 've had a FIA XXXX Credit Card since XXXX. I set up the account so my monthly payment would automatically be debited each month from my checking acct. I paid of the balance in XXXX XXXX. In XXXX XXXX they debited my acct. for {$100.00} even though I had a " XXXX '' balance. I called they refunded my {$100.00}. On XXXX they again took {$100.00} from my acct. I called and spoke to XXXX different Customer Service personnel, who stated it would take XXXX6 business days before my money would be credited back to my acct. Because I had no idea they would debit my acct. for {$100.00} I have bills that will be returned for insufficient funds. No one I spoke to today would acknowledge the fact that they made the same error not once, but twice. The last supervisor I spoke to, her name was XXXX would not transfer me to her supervisor, she said she would have her call me within 48 hours. I would have appreciated someone having the courtesy to at least escalate this issue so the money would be placed back in my acct. in a more expeditious manner. They were not willing to assist me in any way and I think someone at FIA owes me the courtesy of replacing my money, since there is no mistake that they had no right to debit my acct. which has had a zero balance since XXXX, XXXX. I would greatly appreciate any assistance in escalating this matter. 
Thanks!
Consumer complaint received 2015-12-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (AP)

I am unable to use annualcreditreport.com to get my one-per-year credit reports as mandated by law. Even assuming there is a valid reason why they are refusing to allow me to use the web interface, only XXXX provides a phone number for assistance. Both Equifax and XXXX are requiring that I send sensitive information through the mail which is not only a security risk, it 's time consuming, annoying, and, in my case, impossible. They are asking for documentation showing my current address, but I am currently living on a military base and have no such documentation. I do not pay rent or utilities other than XXXX Internet, but they are like most modern companies and send bills through the Internet. My driver 's license is base issued and also does not list my home address. Based on this, I am unable to order my reports and though I understand my situation is in a small percentage of US citizens, there is no justification why XXXX and Equifax do not provide a phone number for support.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

I currently have XXXX open student loans with navient. I am not offered a repayment plan based on my income. I have been putting my loans on forbearance and deferment but the interest has added over XXXX dollars to my loans.The company has failed to inform me on deferment period ending numerous times and it resulted in late payment marks on my credit. I have asked numerous time what i can do. I even make payment during deferment periods. I want to pay my loans off not keep adding interest. The repayment amount is more than i can afford a month.
Consumer complaint received 2015-06-03
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (CA)

It came to my attention of XXXX midland accounts when viewing my credit reports. On separate occasions I have disputed with all XXXX credit bureaus XXXX, XXXX and XXXX pertaining XXXX Midland accounts ( XXXX ) and ( XXXX ) and the disputes were returned verified. After That I sent midland an email on their website dispute system to direct dispute with them on XXXX 2015. They have sent me no verification whats so ever, then midland sent me a bill to pay them in XXXX, I do n't read XXXX. After some investigation on my part, I am concerned that this account may not belong to me, and the reporting to XXXX XXXX and XXXX Is not accurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ). Also Midland is not suppose to report a collection account under " revolving open accounts '' Showing it is an open account on monthly terms with XXXX plus lates. This is a violation. Midland is a collection agency and did NOT extend me any credit.
Consumer complaint received 2015-10-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Navient Solutions, LLC. (CA)

Today XXXX/XXXX/XXXX I recieved a phone call from a Company called Pioneer Corp. Phone # XXXX XXXX XXXX XXXX. The lady was extremely rude! She stated she was collecting for my student loans, this would be from when I attended XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX. What is very strange is she said I owe an amount exactly the same amount XXXX is stating I owe them. Also, she said my loans went into default in XX/XX/XXXX. She acted like this was the first time pioneer has called me but it 's not. I 'm very confused on who is the servicer on these loans because I get no documentation, statements or court orders and they know where I am because XXXX is garnishing my wages. I 'm a server I ca n't even get a job in the field I studied for because the XXXX I worked so hard to get employers do n't look at it as quality education. In a prior complaint I stated XXXX garnished my wages in XX/XX/XXXX I was able to get it stopped but on my check it just says garnishment. XXXX XXXX, XXXX they did it again but this time I ca n't get it stopped, now it says garnishment XXXX. I do n't know if these loan are being sold to collection agencies or if XXXX is connected to Pioneer.I made a compliant this weekend and Monday morning Pioneer called instead of XXXX. So who is servicing my loans and where is the money going?? I have no clue and no statements or letters from no one.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint because EXPERIAN has repeatedly failed to correct inaccurate information on my credit report despite multiple attempts on my part. I have provided my drivers license as evidence to verify my correct name, yet EXPERIAN continues to allow an inaccurate name to remain on my report. Despite my repeated requests and clear proof of the correct information, they have not updated my report, causing ongoing issues with my credit profile. I am seeking your assistance to resolve this matter and ensure that EXPERIAN corrects this error promptly.
Consumer complaint received 2015-11-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Receivable Management Services LLC (CO)

A company the XXXX claims that I owe over {$1000.00} to pay for an audit on a account with them that I do n't have. I cancelled my account with them and yet they want to do an annual audit for a workers compensation account that I paid with them for nearly a year. 
Now a collection agency RMS sent me a letterA representative told me that they needed to audit my account in order to decide if my monthly payments for the next year coming up would be accurate. I 'm not doing business with them in the next year so there will be no payments at all. So it seems unjust to me to pay a ridiculous amount of {$1100.00} for them to run my income report etc ... 
And in the one year I did do business with them, my financial disclosure was accurate on my end so I have nothing financially to hide.
Consumer complaint received 2015-12-16
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

I contacted Midland Funding and spoke with XXXX XXXX in the debt verification department regarding an account that should no longer be reported on my credit file. My original debt was with XXXX XXXX which is now XXXX XXXX. My first date of delinquency was XXXX 2008. This date was confirmed with the original creditor AND XXXX XXXX also confirmed that the date of the last payment was XXXX 2008, however, XXXX XXXX stated that that information does not state that that was the FIRST date of delinquency. This statement by XXXX XXXX makes no sense being that the original creditor already confirmed this. This account was paid and I am not disputing that is was mine. I am complaining because it is over 7 years and should have been removed at least 4 months ago.
Consumer complaint received 2016-11-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is my second complaint against Bank of America for NOT reporting my Mortgage Payments to all XXXX Credit Bureaus. The first complaint Case No. XXXX was closed out an error by CFPB. XXXX XXXX/Resolution Specialist with Bank of American requested more time to respond to CFPB. However, XXXX XXXX failed to responded back to ANY of my inquires regarding an update as to why my Mortgage Payments were NOT present on my Credit Report. I made several attempts to reach XXXX XXXX with Bank of American and received complete SILENCE ... NO RESPONSE back to my many inquiries regarding this matter. 
On XX/XX/XXXX, I contacted Bank of America and was transferred to several individuals. I asked to be connected to XXXX XXXX Supervisor and I was told by that party that they did not have his Supervisor 's contact information, so she transferred me to a lady by the name of XXXX in the Bankruptcy Department. I was informed by XXXX that Bank of America has been reporting my ACTIVE MORTGAGE since XX/XX/XXXX to all XXXX Credit Bureaus but that it is the CREDIT BUREAUS POLICY ; XXXX, XXXX, XXXX AND XXXX XXXX POLICIES NOT TO REPORT ANY MORTGAGE PAYMENTS THAT WERE INVOLVED IN A BANKRUPTCY, THUS VIOLATING MY 5TH AND 14TH AMENDMENT RIGHTS. AND HAS FAR REACHING RAMIFICATIONS TO ALL CONSUMERS WHO WERE IMPACTED BY THE XX/XX/XXXX MELTDOWN AND WERE ABLE TO SURVIVE AND HOLD ON TO THEIR ASSET! 
This unlawful act in my opinion is in COMPLETE VIOLATION OF THE FEDERAL FAIR CREDIT REPORTING ACT.
Consumer complaint received 2015-08-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC (CT)

On XXXX XXXX I received the first collection letter from Central Credit Services LLC located at XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX with the phone ( XXXX ) on behalf of the creditor XXXX XXXX XXXX, for a debth ( {$230.00} ) which I do not recognize and does not belong to me.
Consumer complaint received 2016-09-19
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CIT BANK, NATIONAL ASSOCIATION (NJ)

On XXXX XXXX, XXXX, a subsidiary of IndyMac, fraudulently induced my late mother into executing a high-cost, predatory reverse mortgage transaction insured by XXXX after IndyMac was already ceased by the FDIC. 

The transaction declares that my mother received approximately $ XXXX, paid of an existing mortgage for approximately $ XXXX, demanded approximately $ XXXX in closing cost from my mother, and in return, she received a check for approximately {$200.00}! 

Since then, Financial Freedom and OneWest Bank have caused at least XXXX counterfeit instruments titled " assignment of mortgage '' to be recorded upon my mother 's title, the first of which falsely asserts that XXXX was the grantee, and resulted in the unlawful conversion and forging of a transferable record created without my mother 's knowledge, consent, or her electronic signature as required by federal laws ( XXXX and XXXX ). 

Upon checking the XXXX, I uncovered that XXXX, not Financial Freedom, OneWest, or CIT Bank, is declared the owner of the aforementioned unlawfully converted and forged eNote and corresponding paper note. To the contrary, OneWest as a Division of CIT Bank, not XXXX, is the foreclosure Plaintiff in an unlawful debt collection attempted commenced in the XXXX XXXX XXXX NJ as of XXXX XXXX using the aforementioned counterfeit documents and false statements.
Consumer complaint received 2016-08-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I deposited a Check from my XXXX XXXX Account to my Bank of America Account. 
I deposited using a check because it was after hours on XXXX XXXX, 2016. 
On my receipt the deposit receipt says that the check has been placed on a 10 day hold because " XXXX XXXX is reporting that there is a high likelihood '' that this check will not be honored. 

1 ) When I wrote the check the funds were available on deposit at XXXX XXXX Bank. 
2 ) XXXX XXXX Bank is communicating to third parties that my checks are high risk according to recorded conversation by Bank of America! 
3 ) Bank of America is placing holds on checks for extended periods ( 10 Day ) and then not taking that hold off once the checks are cleared by the bank in which the check was written against. 
4 ) This is denying me access to my funds. 
5 ) In this case, I know for sure that this check cleared on XXXX XXXX from XXXX XXXX Bank. 
6 ) On XXXX XXXX, 2016, Bank of America restated that " XXXX XXXX Bank '' was advising Bank of America Bank that the check was to be considered high risk, even though the check had cleared XXXX XXXX on XXXX XXXX, 2016! 
This is false information and I have discussed this with XXXX XXXX and nobody knows how to fix it! 

I want XXXX XXXX Bank to STOP reporting false information!
Consumer complaint received 2016-01-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I 've submitted a complaint before concerning Bank of America 's " Extended Overdraft '' fee. I was wondering if any regulations are in the works and exist to eliminate this outrageous fee. Bank of America has decreased the time for having an " Extended Overdraft '' from 2 weeks to 5 days. Bank of America had a XXXX profit last year, plus having been bailed out by taxpayers, when will the government crack down on this bank? I 'm currently overdrawn by {$9.00}, which is my mistake and I 'm not arguing about the {$35.00} overdraft fee. However, for Bank of America to charge a total of {$70.00} for a {$9.00} overdraft. When is the government going to crack down on this greedy bank? Thank you for taking the time to read my complaint.
Consumer complaint received 2016-11-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

I had a 60 day past due status reported to the credit agencies by Navient, but my XXXX statement and XXXX statement both show no amount past due. My account also has a " 3rd Delinquency Notice '' on XXXX XXXX, but there is no first or second notice. Additionally, since the claim is that I was 60 days past due on my XXXX payment, the fact that it was reported in XXXX makes no sense - it also should have showed up in my XXXX statement which is less than 60 days. I have called and sent in a complaint via their dispute mechanism, but never received a response or resolution.
Consumer complaint received 2016-12-27
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: AMERICAN EXPRESS COMPANY (MD)

Today alone I have been contacted 4 times by American express, they threaten me. Claimed that if I did n't pay them {$6000.00} this month that they would drain my account and seize all of my assets
Consumer complaint received 2016-03-23
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc. (FL)

I received a debt collection notice from XXXX XXXX from XXXX florida XXXX hospital. I sent a letter to validate the debt and did not hear back for XXXX I received another notice from global receivable solutions claiming to represent XXXX. Stating I now owed XXXX for the same debt. I sent a debt verification letter ( which I never heard back from ) and I immediately went online and made a payment. ( I have an XXXX credit score and do not want it damaged ) I went in a month later to their web site to make a payment and the balance report was XXXX. on XX/XX/2016 I had a credit alert place on my experian report from global receivable solutions for XXXX dollars. I have received no information as to what is owed nor have they responded to my request for debt validation.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CO)

XX/XX/XXXX, shortly after leaving XXXX with {$140000.00} in student loans, I entered the XXXX and requested my Federal and eligible loans be placed in deferment. The request was denied without explanation. Instead, the loans were placed in forbearment with interest accruing and CAPITALIZING. XX/XX/XXXX, I entered an XXXX and again applied for deferment. Again, XXXX XXXX rejected my request, even though ALL other XXXX at the same time received a deferment. Even my base commanding officer went through all the proper channels to enforce the deferment as he had never seen a rejection in 18 years of running XXXX and XXXX. These rejections took my student loans from {$140000.00} to more than {$210000.00} in debt, mostly from interest accruing and capitalizing. 

Additionally, my credit score was destroyed, going from a XXXX my entire life to less than XXXX at one point ( XX/XX/XXXX ), causing me to be ineligible for even a basic car loan. It was horrific. 

When it came time to buy an XXXX XX/XX/XXXX, my credit was so bad it almost did n't happen. However, I found a bank willing to loan me money, but at 9 % rather than the average at that time of 6 %. 

I have aggressively paid down loans with {$10000.00} still remaining. 

The damage, though, was prolific. I have paid higher interest rates on car and home loans ( 0.5 - 2 % ) over the last several years, costing me tens of thousands of dollars. More than {$100000.00} in added fees, added interest and destruction of my credit. It has taken me more than 10 years to restore my good credit and my life. 

If ever there was a poster child for malicious denial of deferments by a corporation with power, it is me. If ever there was an example of the horrendous actions and crimes committed against a good man, a XXXX of children and adults, this is it. 

It is my opinion I am due restoration. Thank you for prosecuting this.
Consumer complaint received 2015-06-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

After changing jobs and getting paid less money, I found that I would have difficulty keeping up my mortgage payments with Bank of America. I owed $XXXX on my mortgage and applied to Bank of America for a mortgage modification last year, for which I was denied. I applied for and received approval for a short sale from Bank of America. I found a buyer who was willing to pay $XXXX. The bank appraised the house for $XXXX but stated that the buyers would need to pay $XXXX. After some negotiating, the buyers accepted the bank's offer of $XXXX. The sale was later denied by Bank of America for yet unexplained reasons. I have been reaching out to them since XX/XX/XXXX with no luck. I have been trying to sell this house for 3 years with many people looking but not wanting to buy. It is very frustrating that I finally found some serious buyers and the bank is making them lose interest by denying this sale and not providing any reason. I am getting to the point where I won't be able to afford the mortgage payments any longer and it is unfortunate that I have made every payment since I bought the house in XX/XX/XXXX, to be treated this way and without cause or reason.
Consumer complaint received 2023-07-18
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: AUTOMOTIVE CREDIT CORPORATION (FL)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2021-07-14
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: EQUIFAX, INC. (IL)

I lost my wallet. I recently checked my credit report and saw this request to look at my credit which I have not completed any application for. All this information listed on this report is FRAUD.
Consumer complaint received 2021-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

this is not my account I have no obligation to pay this debt I sent a debt validation request to the debt collector called National Credit Adjuster on XX/XX/2021 to validate the debt.they received it on XX/XX/2021 certified mail see attached so you have 30 days to respond me since you received it by law you must to respond me, under the FDCPA and FCRA you are in violation so since you failed to respond me that means you couldnt validate and you couldnt prove that I have any obligation to pay this debt so you must cease any future communication with me and cease all collection effort and remove this negative item from my credit report immediately you have caused damage to my credit score