davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

I have been disputing and requesting validation of a debt I do not owe for nearly 4 months now and EXPERIAN has not only been evasive, they have never once provided the requested and official documentation required by law, in reference to the following accounts. IN ADDITION THE OTHER XXXX BUREAUS XXXX AND XXXX HAVE ALREADY REMOVED THE ITEM in question, so it appears EXPERIAN wants to play by their own rules. The item on my credit report XXXX acct # : XXXX is falsely showing. Not once have they provided me valid proof that it was mine NOR that I had a contract with either of these company. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I have repeatedly asked them to provide the following, below ( items XXXX ) but would not disclose how they got any of my information in the XXXX place : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. 

I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean up and report accurate, fair, and verifiable information, they are not doing their job.
Consumer complaint received 2015-11-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Had funds taken out of my acct that were not supposed to be from my account. Saw the check withdraw of {$630.00} called and after a 20Min call was told bank mistake would try to credit account would take up to 48 hours. Later that day curious checked my acct to find that my acct was not credited but again debited another {$630.00}. Called talked w XXXX acct customerService and was told hopefully can credit acct tomorrow but wo n't find out until tomorrow what? The second charge was pending just reverse was told could not so now I am waiting on XXXX credit! Help!!!
Consumer complaint received 2017-07-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (PA)

I have been in contact with Navient in an effort to refinance my loans. The amount of interest and fees is incredibly high, I told them I want a break down of each loan, and the interest and fees. I feel I am being charged unfairly. Even though I make payments monthly, the balance is increasing. I will never get these paid off. I need them investigated regarding my interest and fees
Consumer complaint received 2015-03-19
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Avant Credit Corporation (SC)

I contacted Avant Credit after reading about them on a divorcing mom 's blog on XXXX XXXX 2015. I am mom who fled a domestic situation in Florida with my XXXX year old daughter, who was XXXX. I moved to a new apartment and needed help getting essentials so that my daughter and I would not be sleeping on the floor. I got the application online and filled it out. Someone called me withh in 15 minutes and said that I qualified for the loan and just needed to provide financial information to show that I could pay back the money. I provided pay stubs, and bank statements. I went back into the program to sign my contract when they said I could, but it would n't work. I spoke to the same rep and she said that I spelled my last name with an L instead of an I. I thought that was strange. She told me to sign it with the L and everything would go through. From there I was contacted and harrassed for maybe XXXX times for financial information, resigning contracts for the same loan, and given empty promises that the money would be deposited into my account. The XXXX time the money was supposed to be deposited, I received an e-mailed letter from Avant stating that the money would be deposited into my bank account ending in XXXX .... I contacted them and told them that the number was wrong. I assured them I double checked it and know that i entered the correct information. ( I have XXXX emails supporting what I am saying including the many times they asked me to resign the contract. ) They said that they had to hold my loan until it was returned to them within 3 days and that then they would deposit the money into the correct account. On the XXXX day, they asked me for a voided check for my account so that they could correctly deposit the money. I sent that information to them. 
They said someone would get back to me by the end of the week. Monday rolls around and no money and no call. I called them, they said they received my information and they money would be deposited the next day nothing. Finallly, I went to my bank to see if they had attempted to put any money into my account. The rep there said there had been no attempt. Then, she checked to see if money had been placed in the account with the " mistaken number '' in it. She checked and said that the account number did n't even exist. Then she told me to call them and tell them that she would wait while they deposited the money. The young man, claimed there was an IT problem on their end and said the he would ge to the bottom of it, Friday, and call me on Tuesday. I told them I knew that the wrong account number was false and that I intended to report them to you. They have all of my financial information, including my checking accounts, social security number, bank statements, addresses, etc ... Please help. Oh, and I never got a call back and they never deposited the money. It is XXXX XXXX.
Consumer complaint received 2015-08-05
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Machol & Johannes, LLC (TX)

On XXXX XXXX I had a lump sum {$1000.00} taken from my checking account from Machol & Johanas LLC. I was never notified of a judgment entered against me in XX/XX/XXXX for a balance of {$2000.00} that was owed to the University XXXX XXXX After being left without a dime in my account I was advised that I owed them {$11000.00} and that unless i entered into a payment plan wiht them they would continue to withdraw my funds. When I asked them what all of this was about and how I was i never notified, i was forwarded a letter that they claimed was served to me in XX/XX/XXXX at an address that I no longer resided at. She did not care simply said that they did have record that the notice was served. So now i dont know what to do ... Im a single mother paying this company {$100.00} a month for a balance that isnt even on my credit report.
Consumer complaint received 2015-12-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (TX)

I 've made XXXX payments on my car of XXXX and my principle balance is not going down. I 'm financing my vehicle with Santander Consumer USA but I can refinance or trade out of it because of the negative equity. I do not know what to do. I feel like I 'm paying for a car but not paying for a car.
Consumer complaint received 2023-06-27
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX Account numberXXXX Account name : XXXX XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-03-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ORG GC GP BUYER, LLC (WA)

Collection agent called, attempted to gather information multiple times and refused to identify herself or the purpose of the call when asked multiple times. Finally gave her name and company after the third time I asked, but never informed me of the purpose of the call. When I informed her that I am aware of the requirements to identify herself, the purpose and inform me of the call being recorded she hung up.
Consumer complaint received 2016-03-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MD)

My private student loans they were supposed to be in deferment when I reported extended unemployment well they never were deferred my credit was ruined and they are reporting and reaging old debts every month as if they are new. There was an astronomical amount of interest and fees added and I do n't even know if I owe for all of these loans. They are old and were supposed to be deferred by XXXX they were bought by Navient and they are reporting illegally
Consumer complaint received 2015-11-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Please refer to file no. XXXX - my XXXX loan modification has incurred my account balance to go even higher - now up to {$100000.00} ( see attached document ) is this the way a loan modification works ... each payment increases the balance due and the past due amount with no part of the payment towards the principal..
Consumer complaint received 2015-05-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I went to the ATM to deposit some money and process a small withdrawal. For some reason Bank of america thought it was ok to block my card so that I was unable to use it. They provided me with a printout of the number I could call to resolve the issue. I contacted them at the number they provided XXXX at XXXX and was on hold for XXXX minutes before someone came to the phone. Then I was connected with some fraud representative that told me that I was speaking with the wrong department and that I needed to speak with someone else. She attempted to transfer me to another department and came back after XXXX minutes stating that there was a long hold time and that the reason for my block was due to them needing to verify my deposit. My CASH deposit! She then asked me if I would like to continue to hold and after waiting on hold for about XXXX minutes, she came back and told me that the other department closed at XXXX and I would have to call back on the following business day. I asked to speak with a supervisor and she got me a supervisor. The supervisor said the same thing, there was nothing she could do. So here I am with a bank account full of money, on a Sunday evening being told that I cant use my money! So my family has to suffer the rest of the evening, my XXXX year year old daughter ca n't eat because Bank Of America decided to put a hold on MY MONEY!!!! this is not right, this should never be allowed to happen! How can a bank place a block on your account without even attempting to contact the person firs or at least having the decency to keep the department open long enough to resolve the issue! I asked the supervisor XXXX XXXX ( XXXX ) to give me someone else who could fix the issue, I asked to speak with her boss and after XXXX minutes of back and forth and her telling me that there was no one else in the entire bank of america corporation with a title/pay grade above hers that she could get me to, she finally said she would transfer me to customer service. However she transferred me to a non working number. This lady should be fired she had no empathy ( sure she said i understand your frustrated ) she never even freaking apologized! Here I am with no money because they took my last bit of cash ( the {$15.00} I deposited ) but will not allow me to use my card for purchases. This should be illegal. I asked them to compensate me for the troubles they put my family through and she said they would not compensate me for anything.
Consumer complaint received 2015-11-19
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NC)

I have recently ceased an auto debit program at Navient XXXX XXXX XXXX XXXX Student Loans due to their processing times negatively affecting how I budget my income each month. I am currently on an interest only income based repayment plan and will nos be paying using a Web based bill payment feature through my bank to better control how payments are disbursed. 

As a result of recent fraudulent activity, where {$470.00} was taken from my bank account by XXXX fraudsters, I was unable to pay my monthly bill, yet Navient continues to harass me and my parents ( co-signers ) up to 8 times a day from various numbers XXXX to name a few. In some casesthese calls are received prior to XXXX. I am working to secure an affidavit from my bank regarding the fraudulent activity. 

In the meantime, I am fully aware of the debt I owe and do my best each month within my means to pay a monthly amount. The harassment diminishes my quality of life, my parent 's quality of life, and interrupts my rest when I am on legal rest during my time away from home in my role XXXX. If my parents had the means and proper notice by Navient, they would assist me during this stressful time while my bank resolves the fraudulent activity, but they can not and therefore do not deserve the multiple phone calls per day that leave them anxious that I, or anyone in my family may have an emergency. I ask for your assistance in asking them to cease and desis the incessant phone calls as well as mail notices reminding us of my debt. We get the picture, they want their money, but it wo n't come any faster by harharassing the debtor.
Consumer complaint received 2016-12-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (KY)

I was a customer with XXXX back around XXXX. Early Spring of XXXX I had a car wreck that resulted in my having to undergo XXXX. I contacted XXXX immediately and explained that I was n't going to be working for the next three months, they said we can hold your account until you get back to work. So, I had to ensure my bill was up to date with charges and paid for before they would do that and I did exactly what they said to do. When the three months passed and my doctor cleared me to return to work, I went back to Verizon around XX/XX/XXXX to restart my service and they told me that I did n't have an account with them and my old number which I currently do not remember had been given out as a pay as you go phone. This went on for 6 months of calling XXXX, going to stores, and even talking to corporate over this issue. All the while they kept stating that I did n't owe them any money which I asked them repeatedly and said that I will pay to get my service back because I liked it. Well, low and behold, starting around XX/XX/XXXX I started to receive collection calls about twice a week since and I have disputed this multiple times without ever getting a response from anyone. Now, Jefferson Capital Systems has this phantom collection account which they told me was still active even though XXXX has said repeatedly that I never had an account with them. So, XXXX and the other collection companies, which is now on the fourth collection team and they keep asking me for paperwork that I do n't have and XXXX has never proven I owe them any money wants me to pay {$1000.00}. Like I said previously, I have disputed this several times and gotten no response from anyone, Jefferson Capital even stated it showed it was in dispute, yet, they had info on this account either. This is now impacting my ability to obtain housing because this after not showing on my credit for almost 2 years all of a sudden a few days ago just shows up. I am trying to buy a house because my current place of residence is being sold and this is keeping me from being able to do so, I will not become homeless because of this.
Consumer complaint received 2015-06-12
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I sent my XX/XX/<YYYY> monthly mortgage payment to BofA ( my lender & loan servicer ), loan # XXXX, # XXXX check for {$690.00}. I did not receive a XXXX statement in the mail form BofA, so I wrote the loan number on my check, & stapled a note stating to apply my payment to my # XXXX loan. BofA cashed my check on XXXX/XXXX/15. On XXXX/XXXX/15, I received a delinquent notice in the mail stating I did not pay my XXXX mortgage payment. On XXXX/XXXX/15, I called BofA, was put on hold for 20 minutes, then routed to collections. After talking to XXXX XXXX XXXX foranother 25 minuted, he stated my check was applied to another loan. XXXX XXXX said BofA would fix their mistake & waive imposed charges. I have called BofA serveral times trying to resolve their incompetent mistake, they refuse to fix it. As of today XXXX/XXXX/15, I have received XXXX delinquent notices, threatening they will call my loan due, threatening a foreclosure on my VA XXXX Veterans Administration XXXX loan, threatening reporting the delinquency to the XXXX-credit bureaus, threatening to report to the Veterans Administration loan delinquency. In addition, BofA is sending me delinquent threat letters to my email, calling my cell phone & home phone every other day, & sending me certified letters. Please provide assistence to stop BofA from performing illegal, unprofessional, unethical, & fradulent banking business tactics. I paid my XXXX mortgage payment in full for XXXX, BofA took my money & is threatening & harassing me by phone, email, & XXXX mail.
Consumer complaint received 2017-02-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

Every month I pay about {$700.00} more than my minimum due on my student loans. In an effort to pay off the loans as fast as possible, the extra money goes into the loan with the highest interest rate until it is paid in full. Minimums are paid on all of the other loans. Thus, I was paying minimum dues on my Navient loans, only to realize that the monthly due is constantly being adjusted. From one month to the next, my total balance due had actually INCREASED. Also, when making a payment online, there is no option for dictating how over-payement should be processed. Navient 's website provides no formal / downloadable statements and no easy way to really track the status of the loan. This seemed deceitful.
Consumer complaint received 2016-09-09
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Re : Case number : XXXX. This complaint was submitted on XXXX/XXXX/16 and no one has contacted me about getting an additional debit card. I need an additional debit card. The fact that it has been 2 weeks and no one has even bothered to contact me or send me my card. This just proves that Bank of America treats its senior XXXX veterans very shabby.
Consumer complaint received 2017-01-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

I am in the process of repaying back my private student loans and there is a payment plan set up with Navients collection program. they refused to lower my payments and went as far of telling me if I do n't start paying them within a 7 day period, then my wages would be garnished. these loans have been paid on for almost 3 years but they are still showing up on my credit report of monthly missed payment even though they are being paid. they refuse to update their information and show that my payment is going through even though its out of my bank account and posted to their website. I can get no one who speaks English to help me out and im not unable to apply for a loan for a home.
Consumer complaint received 2015-07-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of america started an application for my home refinance. At the time of application my FICO was XXXX. They told me that XXXX of the delinquencies of a small $ amount due to miscommunication with XXXX of my lenders while as I was out of country was told to me as a non issue as long as I could provide a letter explaining the delinquency. In the process of lending, after the appraisal was done, the originator of from Bank of America suddenly asked the letter to be sent by the lender who had this delinquency. They changed requirements in between. More importantly appraisal showed significant equity in the house and my FICO is good. Originator from Bank of America abruptly stopped the deal. This led to waste of my appraisal cost. Also, I think this is a case of discrimination given after he received information on my race and nationality, they decided to flip on original decision. Would like to formally complaint and would like to seek damages in the amount of at least $ XXXX ( net present value of money I would have saved by refinancing at lower rate ) and appraisal cost of {$500.00}. 

Thanks! 
XXXX