davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-04
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I was taken to  XXXX  hospital after telling ambulance driver to take me to VA. I did not know that  XXXX  and   XXXX   XXXX   XXXX   had sent me to a collection agency that had sent me to the credit bureau, until I was trying to refinance my home. I had gone to these companies, (  XXXX ,   XXXX   XXXX   XXXX    ) a nd showed them that I was a veteran they made a copy of my VA card and I told them to bill the  VA. thi s has been going on since   XXXX   This bill would have been paid by the VA if they had sent the bill. to this day they have not sent them a bill. I was told by  XXXX . the man that pays for non VA hospital stays, told me He could n't pay a bill if they did n't send him a bill. I took the charges on my credit report. and some bills that I later got from the collection agencies. I have also contacted  Congress man   XXXX  's office. I did everything I had to do. The hospital and   XXXX   XXXX   XXXX   should have billed the VA instead they ruined my credit.   Please help Thanks   XXXX   XXXX   XXXX
Consumer complaint received 2017-05-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (CA)

I have an issue with  Sallie Mae because they ca n't offer me any type of repayment plan that is in line with my income. They said I gave up the right to graduated payments because I had to go into forbearance while I searched for another company to refinance with. I do n't qualify with any of the other finance companies because I do n't make enough money. I called Sallie Mae twice   today to ask if there was some way I could avoid defaulting on the loans and sparing my co-signers credit  XXXX . I offered to make payments on the loans but I ca n't afford the full amount.  Sallie Mae told me that I would have to let the loans go into default or delinquency for  XXXX  days before anyone in Sallie Mae Collections  would call me to ask me why I was n't making full payme nts. Only then, would they offer me alternatives. This is, of course, after everyone who co-signed with me has a  XXXX  late on their credit report which lowers thei r credit score significantly. I owe Sallie Mae {$170000.00}. The payments are {$1500.00} a month. I can pay maybe a {$1000.00}. Even this amount leaves me with no disposable income. Sallie Mae wo n't work with me. I 've tried every possible alternative I can think of before  just defaulting on the whole mess. And taking my whole family down with me.
Consumer complaint received 2017-05-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (FL)

I called American Medical Collection Agency  ( AMCA )  to dispute the amount they were reporting to the credit bureau {$140.00} and the female agent verified all my information and disconnected the call. I received a bill for the amount of {$250.00} but reported {$140.00}. The bill shows  XXXX  separate dates of service over a period of two years (  XXXX  ) added together. This debt is in violation of my rights because I was not sent a bill with the appropriate amount. Taking and adding bills from separate past dates together is a violation. I want my this removed from my credit. I want to receive an accurate bill with the amount that I owe.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.00}
Consumer complaint received 2017-05-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NJ)

My mortgage is in default. The last payment I made was  XXXX   XXXX . I was unemployed from  XXXX   XXXX  through  XXXX   XXXX . While unemployed I tried to apply for an unemployment/underemployed forbearance under Makin g Homes Affordable.  My mortgage company would not take the application because I had no income.     When I got a job in  XXXX  I applied for a modification although my income was only about {$38000.00} per year. I was turned down again. I have since returned to work in  XXXX  and back to making a regular salary. I reapplied for the modification and was approved on  XXXX   XXXX ,  XXXX . I was told that all foreclosure proceeding where on hold.     I called the company twice. First to ask them for the 40 years loan product to allow me to catch up on all of my financial issues not just the mortgage. I was told once before that this was a product they offered but I had to apply for a modification. When I received the offer on the modification and asked for the 40 year product, I was told they do n't have that. I would have to accept the modification, go through the trial and then ask about a 40 year product. I called back the second time to let them know that I would accept the modification. I signed the papers and returned them to accept the modification.     Today, I get home and the  Sheriff 's Sale  Notice Foreclosure was posted on my door. My home is up for sale by Virtue of a Writ of Execution issued out of the   XXXX   XXXX   XXXX   XXXX   XXXX   I called my mortgage company for them to help me understand what was happening because the foreclosure proceedings were supposed to stop once they received a complete loan modification application. The representative spoke with management and came back to tell me that this was in case I defaulted on the offer. She said though there was an agreement, my first payment was not due until  XXXX   XXXX  and that they have not received any money from me yet and they needed to have this set up in case I defaulted. I went back and forth with the agent letting her know that they were dual tracking my account and that it was against the law.     I let her know that the sale date for my home was scheduled before my first trial payment. She said they would push the sale date back but they were keeping the sale date for their protection. I let her know again it was against the law and she said it was n't and we were at a stand still.
Consumer complaint received 2017-05-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BARCLAYS BANK DELAWARE (OH)

I did a balance transfer fro m Barclays. I h ad the funds transferred to   XXXX   XXXX  . I waited  two  weeks, but the funds never showed up in my account. I had called   XXXX   XXXX   and they never seen those funds. I also called  Barclays. I was told that the situation was going to be taken care of in sev eral weeks. I am angered about this situation because I have payments due soon and have to pay over 20 % plus interest, but no funds.      XXXX / XXXX /   2017 FR ONT-END FEE $  XXXX   XXXX  )  XXXX / XXXX /   2017    XXXX   XXXX    XXXX  $   XXXX   XXXX   XXXX    XXXX / XXXX /   2017  BALANCE TRANSFER FEE {$6.00}  XXXX / XXXX /   2017    XXXX   XXXX    XXXX  {$200.00} v/r  XXXX   XXXX   XXXX
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

I was a victim of wire fraud on XXXX. The person transferred {$3000.00} from my savings account to my checking account to cover the wire fraud. I have been asking Citi Bank to return this to my savings account & they keep advising they are checking into it. When I spoke to the wire fraud agent, they confirmed they saw the {$3000.00} transfer between accounts & advised the funds would be replaced. It is now XXXX & nothing has happened. I keep receiving letters saying they are looking into it. I've been a Citibank customer for 30 years & they are treating me like I'm committing fraud. Their fraud customer service is horrible, they barely speak XXXX & it's very hard to hear them. They transfer you from one person to another & none of them are helpful.

At this point, I'm going to close my account with Citibank & move to another banking establishment, because Citibank is not a secure bank.

I just want my {$3000.00} returned to my account & I can be done with this horrible establishment.
Consumer complaint received 2017-05-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (FL)

I was assessed another overdraft fee today after being charged {$72.00} in fees yesterday. I spent all day calling  XXXX   XXXX  a t PNC  who never called me back. I called her several times, left  XXXX  messages and emailed her. I 'm being punished for being poor so the bank can make money for their shareholders.
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I created an account with Transunion in order to obtain a free copy of my credit report as advertised. I was charged {$25.00} and automatically enrolled in a monthly subscription. There is no way I could have reasonably avoided these charges and this information is not displayed or explained at all before you submit your information. This is clearly a UDAAP violation. I called them and a representative stated I should have called and inquired before the charges ran on my card.
Consumer complaint received 2017-05-03
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: EQUIFAX, INC. (WA)

I requested a credit line increase on my  XXXX  credit card. They said they would need to run my credit  (  hard inquiry ) to handle my request. I explicitly denied such authorization to perform a credit inquiry. However, they did run my credit on  XXXX / XXXX / 2017  and increased my credit line. I contacted them again complaining about such unauthorized credit inquiry. They reverted the credit line increase right away, and they sent a communication to the credit bureaus to remove that inquiry. They advised me to wait a few weeks or proceed to submit a dispute to the credit bureau. They insisted they ca n't be responsible for the information on my credit report, which is silly because the original error accessing my credit report without authorization was from them. Then, I contacted Equifax disputing the credit inquiry on my report, explaining all the situation, Confirmation Number :  XXXX . The status of that complain is " Completed '' and the result was " N/A ''. I have also contacted multiple times  XXXX  with no answer. In summary,  XXXX  performed an explicitly unauthorized access to my credit score, violating my rights, and perhaps violating the law, and they are not doing anything to fix it. Equifax denied without major reasons my request to fix this, in spite of the supposedly communication sent by  XXXX  reporting the inquiry as erroneous.
Consumer complaint received 2017-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

On  XXXX / XXXX / 2011  the second mortgage on my home was cancelled but the loan company never filed a Deed of Reconveyance. I am trying to sell my home now, but the cancelled loan is still showing up on the title report.     I have contacted the loan company by phone multiple times, sent in a request via  XXXX   XXXX   XXXX , faxed in request letters, and even faxed a letter from an attorney - but the loan company refuses to give me something in writing that the loan was forgiven and does not exist any more.     I can not sell my home until I have something in writing from this loan company. The buyer I had has terminated the sale due to there not being clear title to this home and now I have an empty house that I can not sell.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MI)

I have opened a mortgage account with CITI bank USA, and I was asked to open up also a CITI checking account, and transfer XXXX to the account to get 0.1 % rate reduction in my mortgage. However, after opening my account, the account started to produce an error, called " MFA ''. I reached the CITI bank customer services multiple times and spent many hours waiting to resolve this error. However, at the end I lost my access to transfer money to CITI account, and my XXXX is also get blocked in the account. When I called them again, they said there is no fraud or alert in your account and you just should wait! and it is what I keep hearing for the last 10 business days with no resolution. 

Amounts which is blocked is XXXX The last time that I talked with customer service is : XX/XX/XXXX  The solution by the customer service : Wait longer The issue : the website keeps producing MFA error and block any money transfer.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I noticed that my credit was very bad and continued to go down. Then I contacted the only bank ( XXXX ) that has credit cards and they told me that I had a credit card with Bank of America, so I immediately went to the place but the person who helped me checked and said that I did not have any account or credit card with Bank of America and they gave me a number to make a call to credit cards so I made the call but since I did not have the credit card number they could not assist me by phone.. On XX/XX/2023, I went to the XXXX XXXX again and they informed me that I had related accounts in my credit bureau that I did not know about, so they told me to make a call to XXXX, XXXX and XXXX to report identity fraud. which is why I already made said report. 
Fraudulent Accounts : 1. Bank of America 2. Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (IL)

Costco ended its relationship with  XXXX   XXXX  last year and offered Costco members the chance to have a  XXXX  card through Citibank. I have no interest in having an account with Citibank so did not pursue that option. I tossed all of their mailings in the trash with the other junk mail. Yesterday I received a call from Citibank about my account. I called them back and told them I do n't have an account, they told me I do and that it has a charge on it ( Costco membership fee ) and late charges. If  Citibank mailed me a card I tossed it and never activated it.  Citibank  should not have an account under my name and should not have allowed a charge to be made on an inactivated account.  Citibank  told me I need to get Costco to reverse the charges, but they never should have accepted the charges in the first place.
Consumer complaint received 2017-05-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Dear   XXXX   XXXX   XXXX   XXXX   : I have been an account holder since  2014    and during that time I have enjoyed my experience greatly I am writing to see if you would be willing to make a good will adjustment to your reporting to the  XXXX  credit agencies I ha ve two lat e payments on the above referenced account that date back to  2014 s ince that time I have been an exceptional customer paying every month on time.     Because of my exceptional payment history over the last  two  years. I would like you to consider removing the negative payments from my credit report. At the time of the late payment I was put on   XXXX   XXXX   my last month  of    XXXX   no pay. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that    XXXX   XXXX   XXXX   is willing to work with  me on erasing this mark from my credit reports.     I have been a very happy customer in the past and hope to continue a long relationship. With today 's credit industry so competitive, I know how important it is to maintain good relationships with customers.   XXXX   has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why is heads above the rest. I look forward to your reply.      May  XXXX  pl ease remove all negative remarks off my credit report. In good faith.       Sincerely,
Consumer complaint received 2017-05-03
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)

I have wrote letters, faxed, and spoke with representatives concerning my credit report. There are frivolous inquiries on my credit report, and accounts that are closed that should no longer be appearing on my credit. There are  XXXX  judgements which are paid in full that is still showing on my report. There is also a bankruptcy that should not be on my credit report. This is all with   XXXX  ,  XXXX , and experian!!!!! I keep getting the run around and Im tired .... there is like a  XXXX  address/ names etc that I want updated also. Please HELP!!!
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I Filed Bankruptcy charter  XXXX  on  X/XX/2015    and was discharge on  XX/2015,  and Bank of America did not report to the credit Bureau any of my payment since them, my house was not included in the Bankruptcy I had call many time and they said that I have to re-affirm, the debt..   I went to the city attorney and He said California is not required do so ...   I called the Bankruptcy attorney and he want me to re-open the Bankruptcy and pay he 's fee plus  XXXX  court fees to re-open my case ...        XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .   XXXX   XXXX   California  XXXX   XXXX   XXXX   XXXX  Bank of America Loan #  XXXX
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sunbit, Inc. (FL)

I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2017-05-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Armada Corp. (WA)

This is a medical bill from my ex husband. When this bill was made, we had been divorced a year. This has nothing to do with me and I have repeatedly told  XXXX  this. It has been since  2007  and I want it removed from my credit report.
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ALLY FINANCIAL INC. (FL)

In early XXXX, XXXX, I was denied the issuance of a credit card from Ally Bank. Ally Bank did not inform me in writing as to why I was denied the issuance of a credit card. It is my understanding that Federal Law and credit card regulations REQUIRE that the issuer of credit cards provide a written letter as to why I was denied credit.
Consumer complaint received 2023-09-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA (MN)

The new XXXX plan was announced. Both my and my husband were on XXXX and have now been placed on XXXX. Now our payments are double what they were - {$1300.00} a month. We can not afford this and the dept or education website indicates our payments should be {$400.00} using their calculator with our IRS data. 


I have tried calling Mohela five times. Each time spending XXXX minutes on hold. Cant get someone on the line. I emailed and got a message back saying to call. 

They want to charge us {$950.00} more for our loans than what the department of education says. I cant not pay the loan or it will damage my credit. This entire process has been ridiculous. I have wasted XXXX hours of paid time off trying to deal with the mistake of Mohela and dont know what else to do.
Consumer complaint received 2017-05-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (WI)

I am a consumer credit  XXXX  working with people with student loans. We currently have  two  clients we are working with who are being garnished for  Federal Student  Loans. On the studentloan.gov website, it clearly states that defaulted loans can be consolidated as long as they are placed into an income driven repayment plan.  Two  former students that we are working with to get their defaulted student loans consolidated were declined by Great Lakes, even though they requested the  Income Driven Repayment. Their only options that Great Lakes gave them were not affordable. If defaulted loans can go into a   consolidation loan, how does Great Lakes have the authority to deny them? We need clarification on this.