davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We did a re-finance on our home mortgage with Bank of America since they held the original mortgage we felt it would be easier than going elsewhere. A woman, XXXX XXXX, in the closing department asked for our information as to when our mortgage payment was withdrawn from our XXXX XXXX checking account ( date of month ). We told her it was withdrawn on the XXXX  of the month. To interject ... there are no escrow monies involved since we do our escrows on our own. XXXX stated that there was enough time to notify the proper department not to withdraw our XX/XX/XXXX, 2019 mortgage payment since they would have the mortgage paid off before the due date. Our closing was XX/XX/, 2019. To our shock on XX/XX/, 2019 the old mortgage payment was withdrawn by Bank of America. We called the bank to have this fixed and spoke to a woman named XXXX and she issued request number XXXX. She told us that they were going to 'reverse the mortgage money by wire '. We waited the 48 hours as she instructed us to and then contacted the bank again.We spoke to a woman named XXXX on the XXXX and she told us that we would not be getting the money wired back. In fact, we would be getting a check in a few weeks. We told her this was unacceptable and she got us so upset that we waited until the next day to calm down to call back. We spoke to a gentleman named XXXX and he gave us a request number of XXXX. He told us the money would be in our checking account on Monday, XX/XX/XXXX. Since the money never showed up on the XXXX we contacted the bank again and spoke to a woman named XXXX. She stated that the only information she had was that we were not getting the check anytime soon. We then requested a manager or  supervisor. Eventually a man named XXXX XXXX got on the phone and again we had to explain this whole situation. He said he would get the check expedited that day. Needless to say this did not happen. We need to let you know that during this whole time we were in constant contact with the closing department practically begging for help and the people involved just kept either being rude, ignoring us, and turning the situation around to us. We left voice messages for supervisors and their supervisors and nobody contacted us back. Ms. XXXX even stated to us that she told us to have the money stopped being removed from the bank account. This never happened! How would we do that since the new mortgage monies were coming out of that account? If you do record your conversations, as is implied during phone calls, then someone will hear her asking us for the information so she could handle this. The people that we constantly contact were XXXX XXXX, XXXX XXXX, and XXXX XXXX. Not one of them did anything to help. 
As of this moment we have not received our money.l We are in need of the {$710.00} to pay our bills. We are senior citizens on a fixed income. This is a horrible position to put us in. We need not to be late to pay the bills and do not want to ruin our credit scores that are over 800.
Consumer complaint received 2019-02-11
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (IL)

I tried using the XXXX XXXX XXXX card on XX/XX/XXXX. My child support was direct deposit on XX/XX/XXXX. The merchant informed me my card declined. I called to informed my card had been compromised on XX/XX/XXXX. They explained I should receive documents they mailed in XX/XX/XXXX to make a proper claimed. I called back for an update XX/XX/XXXX. They said that is not in the system however they would mail out documents. XX/XX/XXXX I called they said give it satybut they will mail out documentation. Saturday gets here and they stated they will mail out documents. I still havent received anything XX/XX/XXXX..
Consumer complaint received 2019-02-11
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: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX, I opened a loan account with XXXX , XXXX, a Federal student loan administrator whom I was directed to by my college XXXX XXXX XXXX University - XXXX, NY Campus. I borrowed the amount that would suffice the difference between total tuition cost and my partial scholarship, which was {$6500.00} or thereabouts. On XX/XX/XXXX, I borrowed a like amount from the same administrator for the same reason as the first loan from XXXX. In the XXXX instance, I had to acquire two loans that made up the amount needed ; a larger loan of {$4000.00} and a smaller one of {$2000.00}. At this time, the balance of all three loans totals {$13000.00}, including interest. 

In XX/XX/XXXX, as shown by the provided images of the reporting of XXXX , XXXX, ascertained by an online credit monitoring service, the lender began to report missed payments in excess of 90 days. I myself, as the borrower, was not properly notified of payments becoming due and eventually delinquent at the time of these reports. I was not contacted directly by XXXX , XXXX until XX/XX/XXXX, when I was granted forbearance of payment for financial hardship. I was notified by the representative who assisted me with the forbearance procedure that efforts had been made to contact my mother, whom I did not live with and did not have regular contact with, in regards to the delinquency of the loans. As the sole borrower of the loan, whose accurate contact information was provided with the application for the loan and online management portal, I believe it is not just that this administrator made no effort to contact me as the borrower in pursuance of payment or procedure in regards to the loan until several months after the account had become delinquent. 

I continued with forbearance with no issue from the provider for more than one year after the initial delinquency and maintained good standing with XXXX , XXXX and they reported as such to credit bureaus. However, in XXXX and XXXX of XXXX, they once again reported missed payments in excess of 90 days, also visible in the provided imagery, despite my forbearance status. Upon contacting the administrator again, they reinstated forbearance, but did not report good standing to credit bureaus until seven months later, in XX/XX/XXXX, also visible in provided images. More investigation of their reporting procedures indicate that numerous months of all three accounts being in good standing went unreported by XXXX , XXXX, which I believe is unjust. It is unjust not only for the initial failure to contact me as the sole borrower associated with the loan, but also for XXXX , XXXX to continuously report the account delinquent in excess of 90 days and not reporting at appropriate intervals of 30, 60, and eventually 90 days, as well as their failure to report positive standing for many months throughout the repayment period.
Consumer complaint received 2019-02-11
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. (NY)

On XX/XX/XXXX, I opened a loan account with XXXX XXXX XXXX, a Federal student loan administrator whom I was directed to by my college XXXX XXXX XXXX University - XXXX, NY Campus. I borrowed the amount that would suffice the difference between total tuition cost and my partial scholarship, which was {$6500.00} or thereabouts. On XX/XX/XXXX, I borrowed a like amount from the same administrator for the same reason as the first loan from XXXX. In the XXXX instance, I had to acquire two loans that made up the amount needed ; a larger loan of {$4000.00} and a smaller one of {$2000.00}. At this time, the balance of all three loans totals {$13000.00}, including interest. 

In XX/XX/XXXX, as shown by the provided images of the reporting of XXXX XXXX XXXX, ascertained by an online credit monitoring service, the lender began to report missed payments in excess of 90 days. I myself, as the borrower, was not properly notified of payments becoming due and eventually delinquent at the time of these reports. I was not contacted directly by XXXX XXXX XXXX until XX/XX/XXXX, when I was granted forbearance of payment for financial hardship. I was notified by the representative who assisted me with the forbearance procedure that efforts had been made to contact my mother, whom I did not live with and did not have regular contact with, in regards to the delinquency of the loans. As the sole borrower of the loan, whose accurate contact information was provided with the application for the loan and online management portal, I believe it is not just that this administrator made no effort to contact me as the borrower in pursuance of payment or procedure in regards to the loan until several months after the account had become delinquent. 

I continued with forbearance with no issue from the provider for more than one year after the initial delinquency and maintained good standing with XXXX XXXX XXXX and they reported as such to credit bureaus. However, in XXXX and XX/XX/XXXX, they once again reported missed payments in excess of 90 days, also visible in the provided imagery, despite my forbearance status. Upon contacting the administrator again, they reinstated forbearance, but did not report good standing to credit bureaus until seven months later, in XX/XX/XXXX, also visible in provided images. More investigation of their reporting procedures indicate that numerous months of all three accounts being in good standing went unreported by XXXX XXXX XXXX, which I believe is unjust. It is unjust not only for the initial failure to contact me as the sole borrower associated with the loan, but also for XXXX XXXX XXXX to continuously report the account delinquent in excess of 90 days and not reporting at appropriate intervals of 30, 60, and eventually 90 days, as well as their failure to report positive standing for many months throughout the repayment period.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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

Account Name : US DEPT ED Account Number : XXXX  Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX  has violated my right, And lists of unauthorized inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-07
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: EQUIFAX, INC. (PA)

I have continuously been submitting letters to both creditors and all 3 bureaus over 5 times in a matter of over 120 days and nothing has been resolved. XXXXXXXX XXXX XXXX  XXXX have gone against my consumer rights and I demand every item on my report from both agencies be deleted before I file a law suit.
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Byrider Franchising, LLC (IL)

I received a car loan through XXXX XXXX  in XX/XX/XXXX. They told me my payment would be {$200.00} per month. Once I started making payments, they informed me that the {$200.00} payment was bi-weekly, not monthly. I made all payments on time until XX/XX/XXXX, when I could no longer afford the make the payments. I voluntarily returned the car to the dealership and notified them that the car was in their possession. XXXX then ran a credit check on me, which I did not authorize. They call me 3 - 4 times daily, trying to get me to come pick up the car and continue making payments. I can not afford to. I realize this will damage my credit, but I did not authorize them to do a credit check on me and I was completely honest with them.
Consumer complaint received 2019-02-11
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. (NY)

In XX/XX/2018, I discovered that my ex husband opened a joint credit card account without my knowledge, which I was alerted to when it impacted my credit score negatively. I filed an Identity Theft Report with the FTC, the 3 credit reporting bureaus and XXXX XXXX  ( the issuing creditor ) on XX/XX/18. XXXX claimed to " investigate '' the matter but did so without contacting me at all. Their determination was that the account was opened online without my signature but with my correct personal information, had been open for 4 years so they claim it is a valid joint account, the credit card information went back on my credit report and is again affecting my credit score negatively.

I NEVER gave permission or consent to be a joint member on this account. I have never used this credit card account, not one single purchase. I never saw one credit card statement that came to the house. This account didn't exist to my knowledge prior to XX/XX/2018. It was opened over the internet, not in person ; there is nothing to indicate I am a willing member of this joint account. My ex husband had my personal information because we were once a couple, pure and simple ; he then used that information fraudulently. I want XXXX to recognize this is legitimate fraud, to remove my liability from this debt and remove it from my credit report.
Consumer complaint received 2022-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BCA Financial Services, Inc. (NJ)

In XX/XX/XXXX I received a notice from BCA Financial Services , Inc. advising I owed a debt in the amount of {$56.00} due to an unpaid bill with XXXX XXXX XXXX XXXX as of XX/XX/XXXX. I reviewed my records and found that in the year XXXX I only received two invoices from XXXX XXXX XXXX XXXX for the amount of {$56.00}, and both of those invoices were paid. At that time I wrote a letter to BCA Financial Services , Inc. formally disputing the debt and providing them with copies of all invoices I had received, the cashed checks showing the debt was paid, and demanding they investigate the debt to verify that it was actually owed. I sent this letter to them via Certified Mail, and confirmed delivery. I also sent a copy to XXXX XXXX XXXX XXXX. Upon doing this, it is my understanding they are legally prohibited from trying to collect this debt until they furnish proof that it is owed. 

In XX/XX/XXXX I spoke to BCA Financial Services , Inc. on the telephone and they advised me they were will researching if the debt in the amount of {$56.00} was owed.

I never received a formal response from them providing they verified this debt was owed.

Today, I received another letter in the mail from BCA Financial Services , Inc. citing that same debt of {$56.00}. It is a violation of my rights for them to try and collect on a debt I have formally disputed without furnishing proof it is owed.

Attached please find copies of all correspondence from BCA Financial Services, to BCA Financial Services, and copies of medical invoices and cashed checks.
Consumer complaint received 2019-02-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I did have a fraud on my account on XX/XX/XXXX. I contact the bank to info they asked me to open a new account to transfer the funds between the investigation. They explain to me the credits received in that account will be transfer to the new account during the investigation, they lie. I received over {$2000.00} on XX/XX/XXXX and XX/XX/XXXX, I have that credit frozen on my old account with a hold over {>= $1,000,000} between my saving and checking account. Bank of America just closed the claim with out asking me any proof of the fraud I did have on my cell phone.
Consumer complaint received 2018-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I submitted a dispute online with XXXX who reached out to XXXX/XXXX XXXX and told them I had paid this debt off directly with Capital One. XXXX/XXXX  XXXX refused to cooperate and stated that the debt was still valid. XXXX won't remove the debt because of what XXXX/XXXX  XXXX has stated. 

The debt has been paid in full with Capital One Credit Card Company and can be validated.
Consumer complaint received 2024-02-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (AZ)

I am writing to you regarding fraudulent accounts that have appeared on my credit report. Upon reviewing my credit report, I discovered several accounts that I did not open or authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Every time that I dispute this item with the credit bureaus, XXXX XXXX makes updates to my accounts resulting in a credit score drop of XXXX points or more. During my last dispute that illegally re-aged the account by changing the date of first delinquency resulting in a credit score drop and as of today they have changed my payment history to reflect serious delinquency resulting in my Equifax score dropping XXXX points. The account has been closed for over 2 years and sold over a year ago. Quite honestly, I'm sick of them and the petty games they play every time I exercise my right to challenge INACCURATE items on my credit report. Their actions are illegal and if I must keep enduring their attacks every time I challenge their INACCURATE reporting, I will have no other choice but to issue a notice of pending litigation seeking relief and monetary damages under the FCRA Section 616 & Section 617. 

On XX/XX/2019 I was 30 days late on a payment. They changed it to 60! How could I be 60 days behind when I was in good standing on time, the prior month? After XXXX, the subsequent months were then changed until i was " 120 '' days behind in XXXX. THIS IS FALSE REPORTING
Consumer complaint received 2019-02-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST MIDWEST BANCORP, INC. (IL)

Our Social Security checks come in on the second and third Wednesday of each month.Our bills come in various times of the month. The bank pays them and charges an " overage fee '' of {$36.00} for each even for a {$10.00} church donation. When SS checks come in, they take their money first instead of first paying current bills. This leaves us in a spiraling downward hole. Our SS checks are enough to pay our bills for the month if they would let us and then pay the overages. There is always that occasional bill that we did not expect that they pay and then charge us which starts the spiral downward and we can never catch up. We have no other income and pay our bills on time but the bank won't let us because they want their money first. Although the money is in the bank when our mortgage is due, they did not pay for two months for the same reason which put us in jeopardy with our mortgage lender. Help!
Consumer complaint received 2022-08-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Herbert P. Sears Co., Inc. (CA)

HP SEARS has reported invalidated information to the 3 credit reporting agencies ( XXXX XXXX and or XXXX ) I am requesting HP SEARS to produce copies of your 1096 tax form, your 1099-OID, your INC and your PRC in reference to the account listed above. I respectfully request your offices provide me with competent evidence that I have ANY legal obligation to pay you.
Consumer complaint received 2019-04-08
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. (NC)

TODAYS DATE : XX/XX/XXXX DEAR DISPUTE DEPARTMEN, This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formalescalation in the appropriate courts of law should the need arise. 

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2019-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

On XXXX, I made a payment of {$2800.00}, and selected the option to apply overpayment to the largest interest rate account, which was account XXXX. This should have paid of account XXXX, but I still saw that the account had a remain balance of {$0.00}. I called Navient to ask them to fix the issue. After fixing the issue, I saw that they changed amount of payment on XXXX from {$2800.00} to {$2700.00}. This is not correctly and I am afraid Navient will only continue to make a mistake to my account. My goal is to pay my student loan off this year, and these errors are causing me to worry about me potentially overpaying for what I actually owe. Could you please help me fix this issue?