davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

This is my second complaint filed against Bank of america. I am on my third short sale agreement. They approved the first short sale, but buyer cancelled bc BOA was taking so long, asking repeatedly for documents they already had. Second short sale they finally rejected after I sent in a complaint against them. They said it was because I was current on payments. Only reason I was current on my payments was because I borrowed some money to keep it from foreclosing after the first short sale fell through only a few weeks before we closed. The short sale and mortgage depts refused to communicate. Even though I had a short sale contract they still pursued foreclosure. So, I remodified the loan to buy some time while we found another buyer. Now we are on buyer number three. My realtor submitted to equator a week ago the short sale and BOA still has not initiated it. I have tried multiple phone numbers to contact them. I have tried the number which they have instructed me to use : XXXX. I enter my loan number and follow the prompts and then get a recording for a voice mail box.I left two messages last week. I have been calling for a week now and still get the same message. Every number I call for BOA I still get that voicemail recording. I even went on the website and tried to chat. It said nobody was available. I called the mortgage and home equity line just trying to get a live person and each time i end up at the voice recording. This has never happened in the past 1.5 years I have been dealing with them. So now, we have another buyer and another contract and BOA is impossible to reach. We can not move forward without BOA initiating the short sale and my realtor has done her part. I can not even find a way to talk to any human at the bank in any department.
Consumer complaint received 2015-04-03
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I ordered a XXXX Tablet for {$53.00} at XXXX on XXXX XXXX and ended up cancelling it the same day. XXXX confirmed that they sent the money back and that I would have to contact my bank about the matter. I did and they continued to tell me to contact XXXX and that there was nothing that they could do. So I did and XXXX referred me back to Bank of America because they are the only ones that can release the hold. I contacted the bank yesterday and they told me it could take up to 3 days for the money to show up on my accont. I told the teller it was the XXXX day and she said it should be released by the end of the day. I then called Bank of America today when I saw it was not released and I was told that they could not find the purchase of file a claim because the {$53.00} sent to XXXX was not able to take the money out of the account due to problems with my card and then the story changed to it was automatically refunded and to check my transactions on line by the claims department supervisor named XXXX XXXX. XXXX was very rude and talked over me. She also told XXXX a lie instead of trying to find out about my daughters child support money.
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In Accordance with the fair credit Reporting act XXXX XXXX XXXXXXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TX)

I have contacted Naviant for over 5 years requesting a loan payment that I could afford. I have NEVER made over {$47000.00} a year. The representatives never told me of the Public Servant Loan Forgiveness Program. They have ONLY offered to put my combined loans ( combined with my now ex-wife ) into forebearance or deferment. That is NEVER what I wanted, because it does not help with paying the loan off, and the interest accures. I have asked approximately18 times to speak with a supervisor or to speak to someone that spoke English as a first language. Those requests have always been turned down. I have also asked, repeatedly, that the loans in my name could be seprated from my ex-wife. Her loans are only a fraction of mine, but they say it is not allowed, even though we have been divorced over 6 years AND the divorce decree stipulated that to be done. 
We have mailed them tax returns, pay stubs and filled out the same forms many times and they say they never receive them. The interest on the combined loans has now passed 92 % of the amount owed. I have been mislead and steered to deferrment and forebearnace when other, more suitable options were allowed, though NEVER offered. I feel I was intentionally and systematically cheated and I now have no way to afford paying off loans that now total close to {$90000.00}. I only atteneded state run iniversities and this was simply to receive a 4 year degree. 
I am requesting for some sort of action to be taken against Naviant in my name. 
XXXX XXXX
Consumer complaint received 2024-02-29
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. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-09
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. (IL)

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates of inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : 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 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
Consumer complaint received 2019-03-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Portfolio Recovery associates attempted to collect a debt that was allegedly transferred from XXXX XXXX XXXX. 

I filed for Arbitration with XXXX XXXX as permitted in the contract. 

Portfolio Recovery failed to pay the fees to initiate Arbitration. 

This is a severe violation of my rights. Including FDCPA, FCRA, and breach of contract. 

They continue to report this account to XXXX and XXXX.
Consumer complaint received 2018-08-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Credit bureau is in direct violation of GRAMM- LEACH BRILEY ACT, 49 CFR 801.56, FCRA , FDCPA and various consumer protection laws.
Consumer complaint received 2016-10-22
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: XOOM CORPORATION (CA)

Xoom Corporation advertises and says that money remittance to XXXX Banks will be done within 4 hours during XXXX Banking hours, because of this feature whenever I need to send money immediately I use XXXX hence on XX/XX/2016 XXXX PST I had sent some money to XXXX and the transaction number is XXXX after few minutes I saw the transaction status got changed to delayed and there was no mention why the delay and then I contacted customer care and they said they have some problem with their XXXX Banking partner and its delayed for 3 days, then I asked them to cancel so that I can send money with other remittance providers but they said we can not cancel since the partner had already processed and I had to wait for 3 days but still the transaction was not processed and had to call several times to cancel the transaction. I was supposed to give money to someone in XXXX hence I used xoom to send instantly because of xoom irresponsible and pathetic service I had incurred a loss of XXXX and no proper notification and false advertising.
Consumer complaint received 2016-06-09
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (IL)

I have been an Acura car owner for several years, never once missing a payment, until I tried to sign up for Acura Financial Service 's auto payment on their website in XX/XX/XXXX. Apparently my autopay request did n't go through, even though I saw the confirmation on the website saying everything was complete. 30 days went past and a payment apparently did n't go through, and I never once heard from Acura saying there was an issue ( they claim they did n't have my phone number, even though Acura called me several times regarding another matter ). I finally realized from my bank statement that a payment had n't posted, and called AFS immediately. They said they noticed I tried to set up autopay, but it was still pending.had n't been finalized. I never got a notice stating this previously, through mail, email, phone, etc. I made a one time payment online at that time, AFS released the late fees ( essentially admitting their mistake ), and I finally got the autopay setup properly. I have n't once missed a payment since then. I called them to help me get this one-time error corrected and they refused, very rudely I might add. I spoke with an associate and then a supervisor - both were extremely unhelpful. I understand a late payment needs to be submitted to the bureaus ( even though their attempt to " try and get ahold of me '' to address the issue was laughable ), but they were very unwilling to work with me on having a credit dispute handled in a fair manner. I asked if they could touch base with their tech support team to verify that I had tried to set up autopay, and they were not interested in doing that either. Terrible experience.
Consumer complaint received 2018-08-03
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: Collection Information Bureau, Inc. (FL)

According to XXXX, XXXX XXXX XXXX said they had verified an outstanding credit of {$230.00} with XXXX XXXX XXXX XXXX. The debt is not my mine. I asked for a copy of a agreement with XXXX XXXX XXXX XXXX, bearing my signature, a copy of the XXXX XXXX agreement with XXXX XXXX XXXX granting right to collect on the alleged debt, and copy of XXXX XXXX XXXX state license as a debt collector. However, they will not provide proof of their claim.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NM)

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 2018-08-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (MO)

I am currently in the process of a divorce and I am not able to pay on 2 of my pay day loans. I am wanting to seek help for this because I don't want my wages to get garnished if they can end up doing so. Thanks for the help. The date for my cashnet loan has been in effect for 2 years now and I payed them monthly payment for 8 months and then had to stop do to financial issues and now my divorce. My loan with check into cash I had only had for a year but I can not repay that back right now also due to my divorce. 

XXXX
Consumer complaint received 2018-08-03
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Account Control Technology, Inc. (MI)

The company ACT debt collectors call me at my work desk phone and work cell phone. They have called me after XXXX XXXX as well. I have asked them not to call me as I put this under bankruptcy years ago.
Consumer complaint received 2018-08-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (NC)

XXXX XXXX XXXX XXXX transferred and recorded a mortgage assignment using XXXX XXXX XXXX  Loan Number. 

In addition, XXXX XXXX XXXX XXXX did not utilize a Power of Attorney when conducting a real estate transaction. 

The XXXX XXXX XXXX XXXX indenture expired.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-28
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. (IN)

In its response to my Complaint # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX had stated : " Any credit reporting XXXX provided on behalf of XXXX  has been deleted ''. 

However, the Credit Reporting Company EQUIFAX failed to delete the derogatory information in my credit report that was originally provided to it by XXXX.
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have reported to all three credit bureaus that there is residence information that does not apply to me, and the information showed back up on my report and has also been included on employment background checks for XXXX County in Pennsylvania. I have advised them that the information belongs to my sibling and not myself, most recently viewed during a potential employer 's background check. I have initiated the correction to be made several years ago and most recently, XX/XX/2019. This erroneous information could be affecting future employment, and I am enlisting the bureau 's aide in finally resolving the issue. I have the emails that correspond with the investigation, and the completed reports for further review. I have documentation available upon request, as I am having problems uploading the information to attach.
Consumer complaint received 2020-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was informed by my bank lender that I was not approved for a home equity loan because of derogatory items on my credit report. I then pulled my credit report for myself and I notice unknown, suspicious accounts. Please remove these fraudulent accounts as soon as possible. 

US DEPT OF EDUCATION XXXX {$27000.00} XXXX XXXX XXXX  XXXX {$0.00}
Consumer complaint received 2016-09-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc. (GA)

I made a partial payment halfway through the month, as I fell on some hard financial times. I set up a payment for the end of the month ( to avoid a negative report on my XXXX, as I have been working on a mortgage for about 9 months. ) They reported me 30/60 days delinquent, and dropped my credit score over XXXX points! They said I needed to pay by the XXXX to avoid negative reporting, which I did. They have also been applying all of my payments to interest.. and nothing goes to my principle balance. I have been paying on the car for 1 year, @ XXXX $ a month, and have only satisfied XXXX of the initial balance!!! When I call, they have no record of previous calls, and have been hanging up on me when I call to resolve the issue.
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: EAST WEST BANK (FL)

Eastwesk the bank didn't want to approve my accountWhy did mail to me an invalid debit card and force me to bear the shipping XXXX dollars XXXX I think it's the bank fraud from XXXX You can see how many complaints are made against this XXXX bank ( Eastwesk Bank XXXX )
Consumer complaint received 2020-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2020, I received a letter from Synchrony Bank stating my account ( Chevron and Texaco Credit Card ) was closed due to " Activity on account with Synchrony Bank indicative of high risk of failure to pay. '' I believe this action was taken illegally as a response to the COVID-19 Pandemic. 

Under the Equal Credit Opportunity Rights Act, I have a right to find out my account was closed unless the account was inactive of my failure to make payments as agreed.
Consumer complaint received 2021-06-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: NAVY FEDERAL CREDIT UNION (MD)

I sent Navy Federal Credit Union a Debt Validation Letter on XX/XX/XXXX. I did not receive any communication from Navy Federal Credit Union confirming my debt of " {$27000.00} ''. Nor did I receive notice of right to dispute from Navy Federal Credit Union. Navy Federal Credit Union sent me two letters on XX/XX/XXXX and XX/XX/XXXX that did not disclose it was an attempt to collect debt. Both letters on XX/XX/XXXX and XX/XX/XXXX requested a payment of {$240.00} a month at 6 % interest for 12 months. 

I sent Navy Federal Credit Union a Cease and Desist Letter on XX/XX/XXXX. I did not receive any communication from Navy Federal Credit Union confirming my Cease and Desist Letter. Since then, Navy Federal Credit Union has harassed me and my grandmother through excessive communication tactics after I've told them to stop contacting me. The dates of the harassment are as followed ; via email ( dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), text ( date:XXXX ), phone calls ( dates:4/28/21, XX/XX/XXXX and XX/XX/XXXX ), called my grandmother ( date:XXXX ) and physical mail letter ( date : XX/XX/XXXX ). This physical mail letter threatened to take negative action against my credit report. As a result, my credit report is impacted with negative remarks on XXXX/XXXX/XXXX, XX/XX/XXXX and XX/XX/XXXX and my credit score has decreased significantly.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CT)

My name was attached to a Fraud alert and or high risk. I know this because chase denied me a bank account because of it. Then I tried to apply for credit card with XXXX  XXXX and they relayed the message that o had fraud alert associated with my name. Its effecting every aspect of buisness and life.i need the fraud alert removed by the credit bureaus.