davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NY)

XXXX recommended Cardinal financial company to finance a mortgage on a home purchase in XXXX XXXX, Fl. The bank took to long to process the application by holding up the processing over {$140.00} non payment of old XXXX bill and it took 4 weeks to appraise the property. The property was under appraised which should have given me the ability to cancel the sale but the appraisal took over 4 weeks to get done and I did not have the ability to cancel the sale. In the end I was forced to take out mortgage insurance on a property in order to to close. Similar properties like mine are selling for {$15000.00} more than my property and the bank refuses to take off the PMI
Consumer complaint received 2015-05-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (CA)

I have a closed XXXX XXXX XXXX internet account with hardcopy final bill balance stated as {$0.00} and closed. Enhanced Recovery Company contacted me nearly 1.5 years after the account was closed and claimed I owed {$180.00}. I sent them a certified letter with copies of my final XXXX XXXX XXXX bill showing them that they were making an error. Enhanced Recovery Company then sent negative reports to the credit bureaus within 20 days of their initial contact. I have sent Enhanced Recovery Company XXXX certified letters trying to clarify and get this off my credit report but they do not respond to my demand of validating the debt and any papers that show I actually have a debt.
Consumer complaint received 2015-11-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens bank overcharged me on overdraft fees. Starting with XXXX I was charged an daily overdraft fee of {$6.00} however my account had a direct deposit of {$1600.00} therefore it was not in the negative that day and no document indicates if it was n't brought positive by a specific time the people day that they can charge a fee ( example XXXX the prior day ). This also was the same case on XXXX so with that they owe me back {$13.00}. Next citizens bank charged me {$6.00} on XXXX for my account going in the negative on XXXX however XXXX was not the third business 's day so they owe me another {$6.00} back. Lastly, on XXXX and XXXX I was charged a total of XXXX {$35.00} overdraft fees however only had XXXX transactions to make my account in the negative so they overcharged me a {$35.00} fee. Citizens bank owes me back {$55.00}. You all should audit this bank as I read articles of them overcharging customers with fees. I want my money back.
Consumer complaint received 2015-07-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

Account was charged off for XXXX dollars and I paid XXXX check of XXXX dollars in 2011 and one of XXXX and XXXX dollar in 2010 experian is reporting this and XXXX and I mailed them statements if proof of payment
Consumer complaint received 2015-12-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

EXPERIAN continues to accept inaccurate information from XXXX which results in re-aging of the account keeping it on my Credit Reports since 2006. I have disputed it with them over 7X and even though they acknowledge my facts nothing ever happens. EQUIFAX shows the item has been on my Report 93 months well over the 7 years allowed by the Fair Credit Reporting Act.
Consumer complaint received 2023-07-27
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: Experian Information Solutions Inc. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$19000.00}
Consumer complaint received 2016-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MI)

MY MOM AND DADS CREDIT SHOWS UP ON MY CREDIT REPORT. MY DAD AND I SHARE THE SAME NAME. GOING THROUGH A RE-FIANCE AND ITS CAUSING MY CREDIT SCORE TO BE IMPACTED.
Consumer complaint received 2015-06-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

I am referring to case number XXXX submitted on XXXX/XXXX/15. After several attempts to find a loan modification with America 's Servicing Company/Wells Fargo loan # XXXX, they have responded that they have exhausted all possible ways for me to repay the loan. The loan is a private loan with several foreigns banks. They have mentioned that there is a limit on the times the banks are allowed to permit a loan modifiaction. I have a regular income, I have even ask ways to repay the deliquent amount. I already had sent all documentation to support the hardship that I suffered. I will like the possibility for the ombusman to intervene in this situation. I perceived that the negativity and the reluctancy of the underwriters and their response sugested me that what many of these banks are pushing individuals to foreclosures and realy not helping families to keep their houses. It could be interpreted as a double dipping action from the banks to doble sell the houses. It is not true the response of the agent that they have tried to reach me without response. I had several telephone conversations with the preservation specialist, XXXX XXXX and his manger. Please advise the status of this complaint and the possibility of a resolution on my hehalf. Thank you.
Consumer complaint received 2015-11-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (TX)

PNC Bank is refusing to communicate with me or have a customer service supervisor return my phone calls in regards to their loss of my {$1000.00} wire transfer. I was told 3 days in a row that " someone would get back to me. '' Nobody has called, and my money is still missing. Nobody is investigating this. And they intend to charge insufficient fund fees when I have proof that I deposited the money into my account.
Consumer complaint received 2016-12-05
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NAVY FEDERAL CREDIT UNION (GA)

I called Navy Federal per my agreement with them since my bankruptcy that I would keep making my monthly payments to keep my home out of foreclosure and was catching up bit by bit. They told me I 'd get a letter accelerating the balance but they would n't send it to attorneys as long as I completed their borrower 's assistance packet which I returned to them via mail & they confirmed receving it. I have made every payment faithfully except in XX/XX/XXXX I was unable to reach their Loss Mitigation Department who is the only person that will process my payment. I was out of the country and called as soon as I got back to make two payments and that 's when I learned they hired their lawyers after receiving my response packet. I 've made XXXX payments in the last 120 days and am under a Federal Home Loan Modification. I 've told this law firm that and they said " well you have no rights to see a judge so we 'll just foreclose anyway unless you pay the full balance today. '' I do n't have the full balance of my mortgage. I returned all of the borrower 's assistance documents to Navy Federal in XX/XX/XXXX and never received any response from them. When they got my paperwork apparently they just hired this crooked law firm to throw me out. I have gone XXXX over the mortgage and I request an investigator be assigned to look into this. I told them I dispute the debt because to foreclose now is illegal they just said to e-mail them but it wo n't stop anything.
Consumer complaint received 2016-10-31
Product: Credit card — 
Issue: Balance transfer — 
Company: PNC Bank N.A. (PA)

I was recently contacted by my bank, PNC Bank, headquartered in XXXX, PA. At the time, I had XXXX checking accounts and XXXX savings account with the bank. They contacted me to convince me to open a credit card account. They said the new credit card account had XXXX features 1 ) no interest for the 1st 18 months on new purchases 2 ) no interest on balance transfers for the 1st 18 months. I did my own analysis and decided, based on these facts, to accept the invitation to open the credit card account. A few months after I opened the account, I decided to transfer a {$9000.00} balance from another credit card account. 
When the transfer finally posted on my new PNC credit card account, there was an additional {$270.00} charge as well associated with the transfer. 
I immediately called the bank and was told that there is a 3 % charge on all balance transfers. They claim it was in the literature that they sent me. It simply ca n't be fair for a bank to aggressively try to cross-sell a customer a new product and not disclose this type of term until the customer has already accepted the new account. This is what happened to me and PNC had refused to refund the {$270.00}, so I 've filed this complaint.
Consumer complaint received 2016-05-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: I.Q. DATA INTERNATIONAL, INC. (OR)

I and my boyfriend moved out of an apartment we were told by our landlord that we would get an itemized list and move out report from her in a couple days, we never received XXXX, I sent a text message to our landlord after I had received a notice from a debt collector that I needed to pay an almost a XXXX XXXX dollar balance for our stay. I then asked my landlord when she would send out the itemized list and move out report which to she replied that she had not sent it out and would the next day. It has almost been a month now since we had moved out of the apartment and I still do not have any verification from my landlord or the debt collection agency, I had sent the collection agency a written notice that I disputed the debt and that I want to be contacted only via written notice, and for them to not call my phone. The collection agency has ignored this and has not sent anything via writing to my dispute and has instead continued to call my phone over seven times a day repeatedly.
Consumer complaint received 2015-10-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

bank or credit union must give you at least 30 days ' notice before adding a new fee or increasing an existing fee. after I paid off my mortgage with Bank of America, my bank started charging me for my checking account {$25.00} per month without notice for 3 months. as I asked for refund, the rejected my request. Please review that chat session when I tried to get my money aback and the BA representative refused to do so.
Consumer complaint received 2016-09-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (WA)

My school submitted a private loan in-school deferment form XX/XX/XXXX, which had been approved until XX/XX/XXXX. The private loan Navient charged me for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX along with a late fee when the deferment form had already been approved in XX/XX/XXXX. I graduated XX/XX/XXXX and am frustrated with their customer service department. I have spoken to numerous customer service representatives who have given me conflicting information regarding my account and the forms that my school must submit. Since, XX/XX/XXXX, I given a great deal of effort calling and notifying my school registrar regarding these issues. My school registrar have made numerous attempts to fax, refax, and resubmit necessary documents to rectify this issue. Navient supervisors have also told me they would resolve and submit requests to correct the error on my account. 
During this time, I have been receiving unending inappropriate calls as early as XXXX regarding my account. Their calls continue to disturb my life and my peace. I am completely stressed from their calls and have now sought a counselor to talk about my stress issues. My health is failing from a precancerous growth in my body from the stress and now will need to go in for XXXX as well. 
Since, then, I have done my part to make payments from XX/XX/XXXX ~ I graduated XX/XX/XXXX
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am reaching out for your assistance with the incorrect entry on my credit report. This matter has negatively affected my reputation, and I need your help to resolve it. The way you have handled my credit report has caused significant damage, leaving my reputation in ruins due to your inaccurate reporting. I urge you to correct these issues so that I can live peacefully with my family.
Consumer complaint received 2016-08-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (NY)

In XXXX I entered into a loan agreement whereon the interest was 16 %. Due to the fact that I was a victim of the downfall real estate market - this was the only loan I could obtain. It was essential I hold onto my home. In XXXX I attempted to obtain loan modification which took 3 years to effectuate. Now in my senior years I have attempted 3 times to lower my interest rate to no avail. I live on social security : my mortgage is {$1000.00} ; my coop fee is {$660.00}. ONCE AGAIN XXXX TURNED ME DOWN. XXXX TOLD MY MORTGAGE CO. I HAVE TOO MANY RATIOS. I AM CLOSE TO XXXX ; NOT IN THE BEST OF HEALTH AND I AM SAD THAT THIS COMPANY DOES NOT LIKE SENIORS.
Consumer complaint received 2016-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NJ)

For over one year I have had no access to my student loan account at Navient.com. I have reached out to Navient countless times. I was told that my social security number was associated with some one else 's name. I was referred to the fraud department at Navient. I was told by the fraud department that the problem was cleared up, and that I should be able to log on to my account, I could not.I called back a XXXX explained my problem, I was then told to mail a copy of my social security number to Navient.XXXX XXXX, XXXX XXXX, XXXX, XXXX. I sent the copy as requested, when I called back I was told that they never received the copy, I expressed my concern about my social security number being misplaced and mixed up. At that point I was instructed to fax a copy of my social security number. I did. I still have no access to my account. Against my better judgement, I paid my payments over the telephone using my debit card. I expressed my concern over this because of the way my social security number was handled. I have spent countless hours on hold, unable to get answers as to why my social security number was associated with someone else 's name, if it was resolved and how, if someone has access to my social security number, and what happens to the copy of my social security number. Further more, I am afraid of derogatory remarks on my credit report due to this situation. My credit is less than stellar, but I have been working very hard to improve it, with success.
Consumer complaint received 2017-03-08
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

when my credit card account was closed at XXXX ( a division of XXXX XXXX XXXX ) there was XXXX reward points in my account that they would not let me redeem. I do n't know how they think they can steal reward points that belong to people. the person at XXXX XXXX ( XXXX XXXX XXXX ) that did this is XXXX XXXX XXXX XXXX and her phone number is XXXX please do n't let her get away with this.
Consumer complaint received 2016-10-10
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BANK OF AMERICA HAS SERVED ME WITH JUDGMENT FOR THE ACCOUNTS THAT I ALREADY HAVE A PAYMENT PLAN IN PLACE ... 
BACK IN XXXX DUE TO FINANCIAL HARDSHIP I HAVE REQUESTED BANK OF AMERICA TO REDUCE INTEREST RATE ON THE XXXX CREDIT CARDS THAT WAS AT 46 % APR AND MY PAYMENTS WERE CLOSE TO {$1300.00} EVERY MONTH. I WAS TRANSFERED ALL OVER THEIR PHONE SYSTEM WITH NO LUCK WITH MY ATTEMPTS TO REPAY THEM. THEN BANK OF AMERICA CLOSED MY ACCOUNT AND REPORTED IT AS CHARGED OFF TO MY CREDIT. ON XXXX OF XXXX XXXX XXXX HAVE CONTACTED ME ATTEMPTING TO COLLECT DEBT ON BEHALF OF BANK OF AMERICA ( SEE ATTACHED LETTER ) AND REPAYMENT PLAN WAS IN PLACE. THEN ON XXXX XXXX, XXXX I WAS SERVED WITH DEMAND TO REPAY ON SAME ACCOUNTS FROM ANOTHER COMPANY XXXX AND XXXX ( LETTERS ATTACHED ). NOW ON XXXX XXXX, XXXX I WAS SERVED WITH THE SUPPENAT FROM XXXX AND XXXX REPRESENTING BANK OF AMERICA FOR THESE ACCOUNTS THAT I ALREADY HAVE A REPAYMENT PLAN AND HAVE BEEN PAYING TO XXXX. 
WHEN I ATTEMPTED TO CONTACT BANK OF AMERICA TO FIGURE OUT WHO AM I PAYING ON THIS DEBT AND WHY ARE THEY SUING ME WHEN I HAVE BEEN PAYING THESE ACCOUNTS I WAS TRANSFERRED ALL OVER AND EVENTUALLY WAS TOLD THAT THIS IS A CHARGED OFF ACCOUNT AND THEY ARE NOT COLLECTING ON THIS ANYMORE ... I 'M TOTALLY CONFUSED NOW. XXXX AND XXXX IS AGGRESSIVELY PRESUING THE COLLECTION EFFORTS THREATENING TO PUT ME TO JAIL IF THESE BIG AMOUNTS ARE NOT PAID IMMEDIATELY. PLEASE HELP
Consumer complaint received 2016-08-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (TX)

I have submitted a police report number filed with the XXXX XXXX Police Department ( Report # XXXX ) as requested by the Collection Agency filing the inaccurate information with the Credit Agencies. I was given an email to send the police report information to and I received a read receipt confirming that Central Financial Control received it and read it. I was plainly informed that the false information would be removed from my credit report shortly after filing the Police Report. Yet I have waited for over 3 months with no change to my credit files.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NJ)

Not willing to work with me to reduced my monthly payment. I pay over {$600.00} a month. Most of which goes directly to interest not the principle. only a few dollars each month is applied to principle. My interest rates are outrageous and variable.
Consumer complaint received 2017-01-18
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I signed up for a 2nd mortgage -- a 2nd Balloon Mortgage- without really understanding it completely. That was my fault. I was laid off ( this was years ago ) I was unable to pay my 1st mortgage or my 2nd. Eventually I got a loan modification on my first all the while requesting that we address the 2nd at the same time. I was repeatedly told -- not not now..later. Later never came. After multiple attempts to work with BOFA to start paying on the 2nd loan I gave up. Now, I am trying again. And they are working with me to an extent but still vert shifty and vague. All i want it to renegotiate my loan -- start paying on the PRINCIPLE- and pay off the loan. I am gainfully employed now and can do it. I have JUST started to talk with an account officer at BOFA and will be going through the process next week. I am filling out paper work now. I know there is no guarantee that this will result in anything different than what I have now. I need advice and help. Thanks! XXXX ps. this is NOT thug loan -- I am {$14000.00} late on payments and the original loan is worth {$25.00}, XXXX. Can you help me or direct me to some one who can? Thanks!
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (LA)

This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent. 
NATIONAL CREDIT ADJUST is reporting I owe a debt of {$260.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature.
Consumer complaint received 2016-08-11
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Apple Law Group, Inc. (VA)

I signed a contract with Apple Law group firm in hopes to consolidate my debt with them and pay a lesser monthly amount to them versus paying several debt to several companies. After two years of making payment to Apple Law group and still receiving numerous of phone calls from my creditors ' I was informed that no one from Apple Law group had contacted them in regards to settling my debt. In the contract I am advised to no communicate with my creditors because that is why I am paying Apple Law firm lawyers to do for me. I tried to contact the Law firm by phone calls, faxes and email correspondences ( that I have on file ) and received no calls back until I put a stop payment on my account. Once I finally spoke to their XXXX and only representative by the name of XXXX XXXX and told her about my concern, I asked for a full refund and only received % XXXX ( {$330.00} ) of what I paid out. I asked to be sent a bill stating all of my charges and proof of the companies correspondence between my creditors and the law firm sent a bogus made up bill to me showing that they 'd billed me {$30.00} for having an attitude, {$15.00} for phone calling in to the firm and inquiring about my account, I was even charged for paying on debt that I specifically asked them to take off my account and they responded back to my request to delete the creditor off my account, the list goes on, etc.. I 'm currently trying to resolve paying back what I owe to my creditors but I 've lost {$3900.00} to the Law firm, which would have been almost half of the debt that I still owe. This company stole from me and will continue to steal from others if they are n't stopped.