davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

This is another complaint against Shellpoint Mortgage Servicing 's response to complaint # XXXX. On XX/XX/XXXX XXXX from HUD and I spent over an hour on the phone with Shellpoint against their response that did not satisfy the complaint. They still refuse to give credit for the XXXX - XXXX, XXXX and XXXX payments and will not accept the returned payments to this month or terminate the foreclosure or wait for Real Time to complete their research of the misapplied payments from XXXX - XXXX. They also listed XXXX - XXXX as past due for the first time ever and refuse to give credit for the backup copies of cancelled checks sent for XXXX - XXXX. 
They said they sent annual escrow analysis statements but we did not receive one in XXXX or XXXX, not until this year when I learned our payment was increased in XXXX due to the escrow increase. Two checks were mailed, {$960.00} for the XXXX - XXXX differences in payments sent and {$4100.00} for the XXXX - XXXX they returned. They returned these two escrow payments but told HUD payment could be made on the phone- XXXX XXXX said no payments would be accepted. But they said they received {$2100.00} escrow payment on XX/XX/XXXX that they cashed and applied which I did not send. 
We submitted another loan modification application which XXXX XXXX stated documents were missing, I didn't agree but resent the documents. 
Thank you
Consumer complaint received 2017-12-27
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TN)

It took us over a year ( XX/XX/XXXX thru XX/XX/XXXX ) and getting an advocate to get our income based repayment started. We reapplied every month but they insisted they never got it or there was some error ( it varied ) and reported us as late EVERY time even though our income based repayment amount was previously and is currently {$0.00} a month. We applied way in advance because I have been diagnosed with XXXX XXXX XXXX XXXX and every year they lose our application and play other games for months before finally giving in and setting it up based on our income. 

After getting the income based repayment reinstated with an advocate they once again reported us as delinquent for not paying {$0.00} a month for the previous year and refused to remove the derogatory information which dropped my credit score almost 200 points from 700+ to XXXX. 

They said because they constantly called us ( they did AND called my XXXX son without anyone 's permission ), emailed us ( they did ) and mailed us ( they did ) since we NEVER responded ( we did resubmit monthly and called constantly ) that they could n't in good faith restore our credit report.

Every year I file with Navient for an income based repayment it takes several months of them saying they did n't get the application, something was missing, some other excuse
Consumer complaint received 2022-06-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KP ASSET CONSULTING LLC (CA)

This person keeps calling and the DEBT IS NOT MINE. XXXX called left threatening message for a XXXX XXXX I am not XXXX. Called everyday around XXXX leaving more threatening messages for a person named XXXX threatening to sue, threatening to file in court. I was finally able to make contact with this person XXXX XX/XX/2022 at around XXXX to tell him they had the wrong number, there is no XXXX here, he called me a liar, told me to stop trying to hide my husband and threatened to send someone to the house. I said I am unmarried, go ahead and send someone I will call the sheriffs. He cursed at me and hung up. I called back, I told him the called was being recorded he said then record this " you will pay the money or I will send someone, these calls will never stop and I will keep calling you! '' I told him to cease and desist, they have the wrong person. He hung up again. I called again repeatedly trying to contact someone, no answer. I googled the company and located his information. I called again after an hour this same guy finally answered. Again I told him, I am not the right person, they have the wrong number, he said he didn't care. I called the sheriff and filed a police report, I called the XXXX in my state and filed a report and now I am reporting to you.
Consumer complaint received 2017-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (GA)

Paypal credit is confusing consumers with debits and credits due to the linkage between A- PAY PAL ACCOUNT and B-PAY PAL CREDIT ACCOUNT. I have attached a copy of a {$15.00} payment to my credit account ; however, shows as a debit on the ledger. There response is " wait till you get your statement, it will be more clear, '' the transparency is lacking and laws are being overlooked or broken due to oversight in regulation in payment and credit account technology ( PAYPAL ). 

Blatant violations of the CARD ACT of XXXX in consumer 's access to viable, accurate online ledgers.
Consumer complaint received 2017-12-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

0n XX/XX/XXXX I received my load for {$29000.00}. I stared paying back my loan in XXXX. I had trouble repaying loan so the navients customer service agent strongly suggested to defer my payments. I was paying the intrest and nothing toward the Principal. They insisted that was the best option for me. Knowing what I know now, it was the worse option. Im still repaying my loan. I have repaid over double what I was given. Instead of the agents helping and looking for the clients best interest they were only looking out for Navient Solutions. Im hopping to get Reimbursed for getting taken advantage of. Navient is not a trustworthy loan provider.
Consumer complaint received 2023-07-15
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: Experian Information Solutions Inc. (IL)

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.

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 2015-06-24
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Allgate Financial, LLC (OK)

I was googling myself today XXXX XXXX/XXXX/2015 XXXX and saw that I have a judgement against me for {$12000.00}! Supposedly I had a court date on XXXX/XXXX/2011. I never received any notification of legal action being taken and that was taken. The case information is from XXXX, Wisconsin, XXXX XXXX Case Number XXXX. 

Apparently the party that took me to court was Equable Ascent Financial LLC,XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX. I have no idea who this is, what its for and why I never received any type of notification at any time!
Consumer complaint received 2016-10-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On date : Mon, XXXX XXXX, XXXX at XXXX XXXX I : XXXX XXXX. XXXX XXXX XXXX & lt ; XXXXXXXXXXXX sent to : XXXXXXXXXXXX a Request for Special Deposit Assistance by : XXXX as follows : XXXX XXXX. XXXX XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; XXXX XXXX ( 11 days ago ) XXXX XXXX, XXXX XXXX XXXX XXXX , Chief Executive Officer Bank of America XXXX XXXX XXXX XXXX XXXX , NC XXXX Request for Special Deposit Assistance I intend to open accounts today by SPECIAL DEPOSIT at the Bank of America branch in XXXX Pennsylvania today. Recently, I was prevented to open Special Deposits accounts at a Bank of America location by an employee who is not trained in banking law. Accounts include checking, savings, credit and debit cards etc for me and my XXXX, XXXX, Please allow convenient activation of both credit and debit cards at the branch office location for I travel or mail to my church address at XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 

Special Deposit Notices to Declared intent or purpose of this tender of payment as a Special Deposit order of the Payor and Beneficiary, and is to be credited to the depositor 's accounts as accord and satisfaction and payment in full of a discharge of any and all outstanding liabilities. 

It is my intent and purpose by a Special Deposit to merge the Legal and Equitable title to XXXX XXXX XXXX land and property, real, personal, tangible, intangible, corporeal and incorporeal to extinguish the debt and terminate the trust. Bond # XXXX XXXX XXXX XXXX XXXX. 

I am a XXXX, and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, and I am listed in the alumni directory as simply XXXX. 

Blessings, [ red ink autograph ] XXXX XXXX : family-of-XXXX. 

Yesterday, this request for Special Deposit checking and saving was denied based on apparent fraud and intentional violations of the Emergency Banking Act of XXXX, and the Bank Secrecy Act, knownn as Dodd Frank. 

Special Deposit is defined at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, pages XXXX to XXXX, and by the book, XXXX on Banking.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I am currently in school at XXXX for a XXXX program. I started in the XXXX term of XXXX I was able to get financial aid for the XXXX term XXXX. However, now for the XXXX XXXX there seem to be a fraudulent bankruptcy that has placed on the account. 
My loans were recently transferred from XXXX advantage to XXXX. 
I have never had any documents or emails about this status sent to me prior to the bankruptcy being placed on my account. I have only found out after the bankruptcy has been placed on the account. 
How I found out about the bankruptcy : I had applied to more than XXXX school, upon checking the status for the summer term for Florida XXXX XXXX XXXX, for the Spring term XXXX I was awarded financial aid. I did not accept as I decided to go to XXXX. Upon checking my financial aid account, it shows that the loans are in bankruptcy. 
The issue : I have never filed for bankruptcy, so I believe this is a huge error. Also, by good credit of almost XXXX not too long ago will most likely be impacted severely. In addition, I am only able to continue going to school on a grade plus loan which is contingent on credit. 
I am usure the basis for the bankruptcy being placed on the account. I have tried calling several times and I am placed on hold for more than an hour each time with no resolution. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) In addition to not ever being in bankruptcy, I have had no chance to rectify the situation prior to the bankruptcy being placed on my account. I have had no emails or any correspondence stating this would happen prior to the bankruptcy happening. I also can not get anyone on the phone at XXXX to help me with this matter. In addition, I am currently in school in my XXXX week for the summer with pending financial aid to pay for my semester. 
This is very negligent on the servicers part. They need to ensure they are properly reporting correct information, and if it is incorrect, they need to fix this immediately. They should fix the issue with the credit reporting agencies as well.
Consumer complaint received 2017-01-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION (TX)

i have a list on 3 companies that are reporting the same debt on my credit report and its affecting my score. the companies are. Central Finance control, Syndicated office systems and XXXX. they all say I owe to XXXX
Consumer complaint received 2016-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was current with my mortgage and applied for the Government HAMP program. 
5 years ago Bank of America destroyed my credit. " SUPPRESSED NOT REPORTING my mortgage to the credit bureau to help me '' BAC did not report my mortgage for 7 months to the credit bureau. ( to help me )? 
8 months later BAC reported to the credit bureau that I was180 days behind on my mortgage since XXXX 2009 and I was current in XXXX 2009.BAC reported my mortgage to the credit bureau that I dtd not made a payment in 18 months. " We Suppressed not reporting your mortgage to the credit bureau to help you '' BAC used that 18 months of Suppressing of my mortgage to destroy my credit, and used it to give me a bad loan.
Consumer complaint received 2023-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

Upon receiving my billing statement from Barclay this month I notice that a past due fee of {$500.00} were charge on my account. I have been making payments on time every month of {$500.00} during the investigation not once was I late. Complaint number ID XXXX.
Consumer complaint received 2015-03-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TX)

I have received notice from my student lender, Navient, that they are not receiving my payments. My payments are however automatically made from my bank account for years to the previous company, XXXX XXXX, and I have never had a problem. This issue began in the last month when my check was, for the first time, not cashed by Navient. I have tried contacting them through an online form and received no response. I tried calling them at the customer support number on their website, and the number goes into a never ending loop where an actual customer service agent never answers the phone. As I have never been late for a payment, have impeccable credit and now risk an implication on my record due to the company 's own inability to manage its clients, I am filing a complaint in an effort to expedite a resolution. My automatic payment has gone to XXXX XXXX again for my XXXX payment as per the regular monthly schedule, and I fear it will also not be collected. In the absence of a conversation with Navient I am however unable to resolve this issue and therefore require assistance.
Consumer complaint received 2023-05-26
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-08-07
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have recently run into some medical problems that are making it increasingly difficult for me to remain in my home. I have decided to sell my home while I am still in a decent position to do so, and to avoid further hardships down the road. I contacted my mortgage holder, Bank of America this afternoon in the hopes of being able to discuss my concerns with them, namely that I wanted to discuss the possibility of being able to defer or reduce my mortgage payments while the house is on the market. I will need to get an apartment closer to the VA facility where I receive care, and would be unable to afford both. After being bounced between several different customer service agents in different positions, I was told that I would need to speak to a " Customer Relationship Manager ''. I was disconnected while on hold waiting to speak to someone in this position, so I called Bank of America 's Mortgage Customer Service Line and asked to be transferred to a " Customer Relationship Manager ''. I was placed on hold and then a man who mumbled his name too fast for me to catch it came on the line. He asked me to verify my personal information, which I did. When he asked to to verify my phone number, I said " It 's the number I 'm calling from ''. At this point, the person on the other end of the line snapped at me to " verify it ''. At this point I asked him to rephrase the question in a more polite manner, where he went off on me and repeatedly asked me " are you just calling to be rude? ". He continued in this manner, not allowing me to state my position or speak, and continuing to interrupt me. When I finally was able to get him to calm down, I stated that I had done nothing to warrant this disrespectful treatment, and that I had been a customer since 2006. He sarcastically responded " Thank you for your service ''. I then asked to speak to his supervisor, and he refused to transfer me to his supervisor. I asked what branch of Bank of America he represented, and he said " This is basically home retention ''. I then asked his name and he hung up on me. 
I am shocked at this rude treatment from Bank of America. This person I spoke to today was exceptionally rude and sarcastic, mislead me about the nature of the customer service I had requested, and refused to allow me to speak to his supervisor when requested, deliberately concealed his identity, and simply hung up on me when requested to provide his identity a second time. I have never missed a payment on this mortgage or even been late, and I was basically told to XXXX by this employee of Bank of America when I asked for help.
Consumer complaint received 2016-01-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bank of America continuously charges impoverished people like me XXXX overdraft fees. I struggle to cover them. They keep charging the fees to keep the account balance negative in order to charge more fees. I have paid over {$100.00} this month in fees alone. On XX/XX/XXXX, I went to an ATM to put cash in to cover an overdraft. The ATM would not take cash. On XX/XX/XXXX, I went to a different bank of america to deposit money to cover the overdraft. I did so. On XX/XX/XXXX, they charged me an extended overdraft fee anyway, simply dating it XX/XX/XXXX. They refuse to remove these fees. I am trying to care for a XXXX parent, and I do n't have much money. Yet bank of america makes {$100.00} in fees off me every month, at least. They charge fees on their fees. They foster a negative balance to get more fees. This is a racket.
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NC)

I have been a victim of inquiry issue. There are incorrect inquiries on my report and some that have previously been deleted and are back again. Also I have XXXX collection account from XXXX that has been paid but is still reporting a balance. They are not updating my info and have n't been. Disputed inquires were removed then reapplied.
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I have contacted credit reporting agency Experian multiple times by regular mail, by certified mail, I have asked them for method of verification, and continue to respond as asccount veryfied, How could this be possible if I contact XXXX on account # XXXX and they do n't have the information that Experian is reporting. They simply ignore any request your send to them and respond with their automated system. I need this matter taken care of and have this account deleted as it is erroneous and useless in my credit report.
Consumer complaint received 2015-07-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

During the time was going thru treatment for XXXX XXXX in XXXX credit cards were stolen and charges were made with out my knowledge or consent.I called the creditors who refused to help and they instead sent the accounts for collection. I have disputed the account many times they miss report the dates and sold the debts to third party agency who keep renewing the age of the debt
Consumer complaint received 2017-12-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (GA)

In late XXXX I noticed a debt collection on my credit report from AD ASTRA RECOVERY. When contacted to inquire about this unfamiliar account I was told it was for a payday in the state of Alabama. I have not lived in this state in nearly 10 years and assume this is an account opened that I did not authorize. I have been working diligently for the past 3 years to get this removed from my credit report as it is hindering my home buying process.