davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is regarding Bank of America 's Alaska Mileage Plan Credit Card. 

I paid my Annual fee of $ XXXX on XX/XX/XXXX. I received a notice dated XX/XX/XXXX that the annual fee would be increasing to $ XXXX on my next account anniversary ( XX/XX/XXXX ). The notice stated that if I did not consent to the increase I needed to call XXXX before XX/XX/XXXX. When I contacted them on or around XX/XX/XXXX the automated service said the account would be closed, which it was on or around XX/XX/XXXX when the account balance payment posted. Since I had just paid the annual fee one month prior I felt I deserved a refund of the $ XXXX fee since I no longer has access to the account services. 

When I contacted Bank of America they told me they could not credit me the the Annual Fee because charges had posted to my account in XXXX after I paid the annual fee in XXXX, but before I receive the fee increase notice in XXXX. I feel this practice was unfair and somewhat predatory. I paid a fee for services that I was unable to use because I followed the procedures they set. I do not understand why I had to agree to a service charge increase 11 months before my anniversary date and by doing so lost access to the account services I had paid for. 

This may not be a large sum of money individually, but other people must have been subject to the same practice which seems like a way for BofA to collect large sums of money without providing any service.
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (PA)

Three calls were made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and corrections still have not been made. 
On my first call I was asked to write a statement of request stating which of the 2 bank accounts I have listed in my account will be designated to pay which of the three loans. The website is poorly designed to accomplish this task. I need to create the word document, sign it, take a picture of it, send it to my email, save the jpeg in a file and then upload it on the website. The upload still hasnt shown up on the aidVantage site as a document I sent them. 
XX/XX/XXXX I receive an Auto Pay authorization document that they werent going to process my original request they directed me to send. 
I was also sent an XXXX which is a statement on aidVantages first intentions to bill me. It states 2 different payment amounts to be auto payed on the XXXX of XXXX. I called 3 times for a revised ecorrespondence and still corrections havent been made. 
The ecorrespondence and the website claim to pay all three loans from one of the two banking accounts without my authorization. 
The website claims that all three loans will begin payment on XX/XX/XXXX but the ecorrespondance and the representative can see that one loan to be paid on XX/XX/XXXX and the other two on XX/XX/XXXX. T There is no continuity in the financial information between the aidVantage website, ecorrespondance, phone representative and auto pay authorization form. 
The auto pay authorization form does not ask which loans will be auto paid from the banking account information they requested. 
***The auto pay authorization form is asking for banking accounts that are already on the aidVantage website and have been used in the past but now they are requesting a hard copy uploaded with the identical information. ***
Consumer complaint received 2023-02-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I amm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

Please Advise That You Are Reporting The Wrong Address Information Listed In My Report. The Report Number is [ XXXX ] I am in the process of a new transaction and the error is causing a major problem with reporting properly " XXXX XXXX XXXX XXXX XXXX Az XXXX '' and " XXXX XXXX XXXX XXXX XXXX Az XXXX XXXX Are Both " Non Mailable Address '' ... Can you please explain where you obtain this information? 

My current and only address and mailing location is XXXX XXXX XXXX XXXX XXXX Az XXXX. 

Please Remove the following addresses from my consumer report " XXXX XXXX XXXX XXXX XXXX Az XXXX '' and " XXXX XXXX XXXX XXXX XXXX Az XXXX XXXX they do not belong to me and are being reported in error.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (NY)

I received a credit alert on XXXX XXXX informing me that JPMCB has a hard inquiry on my report, when I didn't apply for anything on this matter I was sleeping and the report appeared. 
On XX/XX/2023 At approximately XXXX On a personal note I don't deal with Chase bank anymore.
Consumer complaint received 2023-03-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I received a letter on XX/XX/XXXX that is telling me I am being sued for a credit card debt from Capital One that I have not had since XXXX. They state my balance due is XXXX. The letter states I must appear in court on XX/XX/XXXX. As an alternative than to appear in court I can pay XXXX until XX/XX/XXXX.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  A Account number XXXX XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2023-03-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I am a home owner, and rented part of my house to a tenant from XX/XX/XXXX to XX/XX/XXXX. 
my tenant unable to pay the rent from XX/XX/XXXX to XX/XX/XXXX and because of federal government mandate I didn't evict my tenant. we both file for rent subsidy with broward emergency rental assistance. The tenant left after the lease expired and on XX/XX/XXXX I call the emergency rental assistance and they said my tenant didn't submit requested documents. I try to reach my tenant and unable to reach him. i apply to XXXX. and they said unable to help me.. they ask me to contact a councilor office, and i submit the form, unfortunately no response from them as well. 

I just follow the federal government mandate, and now I am in financial trouble. 
I would appreciate if your office could guide me whom I should reach out to submit my claim.
Consumer complaint received 2023-09-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

I have attempted to have repayment plans with Navient multiple times now. I was on an auto payment plan with Navient that was charging up to XXXX a month. I begged them for lower but they refused. My payments suddenly stopped in XXXX of XXXX. I called them in XXXX when I noticed. They claimed in XXXX that I am under a " emergency forebearance ''. There is no emergency in my area or my co-signers area. The caller refused to explain or remove the forebearance. I told her I just want to make my monthly payments. She said she would get it removed. She told me everything with my payment plan was fine. One month later, no payment is processed again. I called Navient XX/XX/XXXX. I spoke to another person who claims I have no payment plan and my payment isnt due until XXXX. I asked her to explain to me why my payment plan stopped and she won't give any information. 

I received a letter in the mail that said the forebearance was gone so my payment plan should resume. She says I can't be on the same payment plan for XXXX because of my " credit ''. I asked her multiple times to explain this to me specifically. My credit score is fair. She demands I have to now pay XXXX a month. I asked her again why cant I pay what I have been paying. She keeps claiming " credit '' but refuses to explain. I asked to speak to someone else because she is refusing to help me. She brings on someone else who tells me that they have no obligation to help me, work with me or to try to help me lower my payments. She refused to explain why my payment changed from XXXX in XXXX to now them wanting XXXX dollars. She told me to have a good day so I hung up. I don't understand what happened, what changed and why wouldn't they just continue my same plan? Why is it unreasonable for me to call and ask? I had been paying them on time every month since then. Now because my jump in payments I am behind. I went onto Navient 's website and they had a repayment plan for XXXX. This is cheaper than what she even said. None of this makes any sense, this company is completely disorganized. 

I am on XXXX for XXXX and get one paycheck a month. I don't understand why they can't work with me and allow me to continue paying XXXX a month and they refused to explain it to me over the phone or in writing. Instead, they not only refuse me, but gaslight me then insult me and make me even more concerned. Unprofessional.
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I was a victim of identity theft. This occurred XX/XX/2019 and was resolved XX/XX/2019, with the fraudulent account being removed with zero negative accounts and no collections on my credit report. Although the negative account was removed my score does reflect this and dropped my credit score to the present XXXX. 

The discrepancy of the score is due to Equifax 's consumer side which has failed to update despite the creditors properly updating the accounts. Equifax 's consumer side is a month behind. As a result, Equifax has as of XX/XX/2019 failed to properly recalculate my score. I should have a score XXXX or greater. 

I have been waiting patiently for my score to recalculate. It has been 10 months. However, I can not wait any longer. My small company needs capital in order to survive and the banks will not issue loans or credit based upon the present score.
Consumer complaint received 2023-02-28
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. (FL)

I am interested in disputing all incorrect information on my credit report with experian. alot of data is unmatched an is hindering my file. im looking to get all this invalid information removed to help clear my credit report.
Consumer complaint received 2019-01-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

The account was opened on XX/XX/XXXX. I believe account was closed on XX/XX/XXXX. I got a derogatory mark on my credit report ( XXXX, XXXX, and XXXX ) stating that I had 120+ days late payments and that I owed a balance. I called the company immediately after noticing the derogatory marks when running my annual credit report. I had not received any prior notice for this debt. After speaking with the collection company I was told the letters were being sent to my old address. I paid the amount due in full and asked if I could have the item removed from my report. I would like that this derogatory mark is removed from all 3 credit bureaus. 

The balance is also incorrect and shows a high balance of {$1200.00} when the max on the card was {$1000.00}.
Consumer complaint received 2019-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (TX)

I have contacted Paramount Recovery in the past on regards to this medical debt from XX/XX/2014. In the conversation I wanted the account off my credit and advised the credit bureaus that I dispute the debt because I truly have no idea who this Dr. XXXX XXXX is and no recollection of any services rendered. Yes, I did want to resolve it just to get it off my credit, but the agency has failed to prove these services were rendered to me. They sent me a standard collection letter. When I contacted them this week, they could not provide any details. They did not know if I had insurance, if insurance was filed or what service this doctor so call rendered to me. I was flat out told that they do not have any of those documents available. I have seen no documentation with my signature or photo identification proving this debt truly does belong to me. I have disputed with the credit bureau and they keep saying that the debt is valid. How did they validate if the agency doesnt have any documentation? I need this debt removed from my credit report for lack of proof and validation.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. Please find it in your best interest to delete the items
Consumer complaint received 2023-12-29
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Fitzgerald Goldman & Associates, Inc. (OR)

Fitzgerald and associate. a company that I can not find online. at phone number XXXX XXXX XXXX They repeatedly call my parents claiming I owe money from an old debt with XXXX XXXX XXXX XXXX. this was pain over a decade ago. They threaten to claim my house and business. I have spoke with XXXX XXXX  and made sure they don't show an outstanding debit. the case number they claim is XXXX XXXX
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Suttell, Hammer & White, P.S (TX)

I used the XXXX XXXX app to dispute charges. There were multiple charges that I didnt charge. They did take some of the smaller charges off but the larger ones were not taken off. Im unable to access my account online so I called XXXX XXXX for all documents regarding my transactions and disputes. I was told that they didnt have them and they were sent to collections ( Suttell & Hammer ). I stopped making payments after they refused to remove the charges I disputed. I applied for e statements so I dont have any paper bills or statements. I also didnt receive a validation letter or any itemized charges from collections. I didnt receive any proof that I in fact used the card for the disputed transactions. Im being sued for {$5600.00}. Unfortunately my bank account I was using at the time has been closed. I made multiple payments. The credit limit was {$5000.00}. When I stopped using the card and stopped making payments the balance was around {$3000.00}. I really need statements so I know exactly how much and when I paid. The collection agency called multiple times a day sometimes as late as XXXX. I believed the charges I disputed were made by a employee without permission and my wallet was also stolen. I made a police report but unfortunately in the report they didnt specify what was in the wallet. So I really dont k ow who charged the card. I received a letter from Suttle and hammer stating they would accept monthly payments of {$150.00} a month until the balanced is paid in full. I do not want to accept that. Id rather pay one payment of {$1000.00} or make monthly payments of {$100.00} for 12 months. If they wont accept that Id rather just not pay anything. Should I send a counter offer letter?
Consumer complaint received 2019-12-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Global Asset Management Group, Inc. (IL)

I have been getting threatening calls from Global Asset Management on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding an auto account that was discharged in a chapter XXXX bankruptcy on XX/XX/XXXX. I was told that they will be garnishing my check and it does not matter that the car was included and discharged in the bankruptcy. The amount I was told that I now owe is $ XXXXdollars. On Tuesday, XX/XX/XXXX I called the original creditors XXXX consumer auto finance. I spoke with a manager and was told that the account was not sold and I should not make any payment arrangements with Global Asset Management. 

I continue to get several calls a day from GAM and I was told my wages will begin being garnished on XX/XX/XXXX. I DO have a copy of my bankruptcy from the court and I have told GAM that I could send them a copy and they have refused. I have been hung up on and threatened that if I do not make payment arrangement they will file a civil complaint against me and sue me for the auto loan. 

I was told by GAM that I am being pursued by XXXX XXXX but when I called XXXX I was told to call XXXX  because XXXX handles all of XXXX auto loans, which I had already done. On XX/XX/XXXX I called XXXX again at XXXX and I was told again that this account is not in litigation. 

On XX/XX/XXXX I also spoke with an agent from GAM and was also explained the file is in litigation. They keep calling Help please
Consumer complaint received 2022-12-13
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. (VA)

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.