davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Flood Insurance over charge. Every year Bank of America sends me an Flood Insurance update XXXX in XXXX XXXX for renewal purposes. It is always a hassle, they send me an OPT OUT letter which allows me to only have flood insurance coverage on the amount of balance owed. Getting them to honor it is very difficult. Last year they had the amount incorrect and refused to correct it. I sent back the letter with a copy of my statement showing I only owed them XXXX NOT XXXX. When I called them, I was told several times " oh yes we will get that fixed ''. I requested paperwork in writing over and over, it never arrived. They drug it out past the " renewal window ''. I had a XXXX call with BOA and XXXX which got very heated. BOA " bank of America '' said it was Insurance company so we then got her on the phone as well. BOA still insisted and XXXX was amazed by the ignorance of BOA, but it was to late and I was denied by XXXX in reduction of coverage because the bank refused to correct the paperwork in a timely manor. BOA was sued recently for placing lender based insurance on there loans. This was before my new troubles with them so I did n't join the class action law suit. They have managed to get me the last two years. Now my payment is approx. XXXX more than it should be due to the extreme amount of flood insurance they selected for me! I believe the new " amount owed '' error is not an error and it is there new way of getting away with the over charging of there customers. Previously it took several heated calls to get them to honor the OPT OUT letter. its so aggravating and unfair of BOA the lender to treat the customer this way.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-07-10
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

On the XX/XX/2020, I fell victim to a fraudulent Crypto Currency and XXXX XXXX  named XXXX. Money was transferred from my account to the Company a bank wire for a total amount of XXXX EUR utilizing Coenbases services.
Consumer complaint received 2015-03-22
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: JPMORGAN CHASE & CO. (TX)

Dear Sir, i have been with chase bank for 10 years. lately i tried to wire some money to my father in XXXX. 
the transaction was made on the XXXX and it is wire transfer outgoing and it was made in person at Chase BankXXXX XXXX XXXX, TX XXXX. 
and the bank teller was able to determine my father 's account number, and she told me the money will be available on XXXX. 
on XXXX/XXXX/2015 i was contacted by phone someone called XXXX : XXXX he wants more information about me and my father and he said he ca n't send the money if i do not do so! 
when i long in my bank account online i see the money was transferred until the XX/XX/2015 i saw that the money was credited back without the {$45.00}. 
so i called for that reason and i got it back. 
i asked the teller what kind of information you need to make it happen so she said both bank accounts that 's all. 
i do n't know why i was mistreated like this? i asked all my friend none have any complains! 
please make sure to keep this big cooperate banks in line. 
thanks for reading. 
Kind Regards.
Consumer complaint received 2015-06-25
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Duvera Billing Services, LLC (PA)

I purchaed a sofa from a local establishment {$580.00}. Total cost XXXX. I requested to finance part of it. They use Duvera Financial but the minimum they would finance was {$370.00} which I did. If I paid it off in 3 mon. it was interest free. I could not afford to do that. I received the contract from them in the mail 2 weeks later and charged me 189 % interest. Is this legal? I ca n't afford this. Do I have any recourse? They will do nothing about it over the phone.
Consumer complaint received 2023-05-05
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. (MD)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX, XXXX, and XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX CT XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance XXXX {$940.00}, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX  XXXX Balance : {$3000.00}, XXXX XXXX  XXXX Balance : {$2900.00}, XXXX XXXX XXXX Balance : {$2900.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00}, XXXX XXXX XXXX XXXX Balance : {$2300.00}, U S DEPT OF EDXXXX Original creditor XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX. XXXX Balance : {$0.00}, XXXX XXXX Balance : {$1800.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$860.00}, XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am filing a complaint with all 3 credit bureaus ( XXXX, XXXX, TransUnion ). The current companies are not complying with their own policies in a timely matter. I have reached out to them in regard to unauthorized inquiries on my account and it has been more than 30 days and i have not had any updates.
Consumer complaint received 2020-11-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC (FL)

I was offered a {$1500.00}. Loan from Mobiloans that I accepted, however, a month before the entire loan was to be paid off. Mobiloans placed an additional {$500.00} on my account in XX/XX/2019 that I did not request. 

The {$500.00} made the loan to be {$2000.00}. Nonetheless, when I declined the additional {$500.00} and submitted a letter informing them that I did not request or need any more money, they placed it on my account anyways and therefore, this was without my permission. 

I have called the company several times and communicated with someone in customer services and I was informed that they had received my letters of complaint and someone was looking into it. Recently, I did a credit check and found out, Mobiloan place a mark on my credit report, stating that I owe them. 

They owe me with the high percentages rates and over charging for a few dollars. I paid the {$1500.00}. Owed to them, and I should not have a mark on my credit from this company. 

I did not or needed any more money, but they put it on my account as if I requested it and was debiting money from my account that I do not owe and now this company has made my credit bad. I want this company to resolve this issue and fix my credit report that they destroyed.
Consumer complaint received 2015-06-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

This is still ongoing. I am still no further ahead than I have been since this started in XXXX. As a matter of fact the last time I filed a complaint with the XXXX, Bank of America has said they would send their response/findings of this to me. I was told this on XXXX XXXX, and XXXX XXXX. As of today XXXX/XXXX/XXXX I have received nothing. However, on the XXXX site I noticed they responded to the XXXX and I absolutely dispute what they sent. I have never requested a deed in lieu. I never cancelled a short until the buyer I had from XXXX XXXX of XXXX finally cancelled. As far as cancelling a short sale in XXXX of XXXX I was trying to pursue help with loan remodification and there was no short sale paperwork going on. As a matter of fact I would receive letters telling me that due to Bank of America not receiving all requested paper work they were cancelling things which then led to me calling again to ask what they wanted as I sent them everything they asked for everytime.. My realtor also had great difficulty receiving information and responses from Bank of America. In spring of XXXX we went through months of sending and resending documents due to them wanting new wet signatures on everything that had already been signed. I have been talking with a XXXX XXXX at Bank of America and we talk at least once a week but still nothing is being resolved. She did tell me she would send new paperwork for loan re modification XXXX but I still have n't received that either and if Bank of America does n't resolve the issues of money still being charged and etc that I have requested Bank of America remove/write off I do n't know how anything will be any different. In the meantime, I still have a live foreclosure date looming ahead of me for XXXX XXXX which mean homelessness for me as well. Ca n't this foreclosure be stopped like it has been before when dealing with these issues?
Consumer complaint received 2024-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (NV)

Your school falsely certified our eligibility to receive the loan based on our ability to benefit from its training, and we did not meet the ability to benefit student eligibility requirements. 

So basically saying, the degrees and classes were n't worth the time or money put into them. The degrees and classes are scoffed on by any employer we have inquired to, and many former students have reported this issue.
Consumer complaint received 2020-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (FL)

ON XXXX An Account was opened with Discover card Services. I applied for credit at the Time in Which my account was Approved and Opened With. Credit a Limit Of XXXX On XXXX XXXX I received a call from the verifications department to sign a XXXX   verification form which I signed the verification was spent back from the IRS for inaccurate information because the application did not list the Apartments number and previous address information. A second  verification letter was sent out on XX/XX/XXXX by a representative XXXX and he made a mistake or error because he failed to indicate the proper information such as address and apartments number so that it can be verified with what is listed with the IRS. On XX/XX/XXXX I was informed the account was going to be closed without reason. I feel verification failed to enter information on my behalf. Verification failed to enter apartment number on XXXX correspondence which caused the account verification to failed the second attempt. Im requesting CORPORATE COMPLAINTS TO LOOK INTO THIS MATTER and respond back with proper reasons to why my account is closed and provide documentation to their decision with accurate information for a closed account.. The information that was submitted to XXXX for the IRS verification was not correct correspondence. At the time of my credit pull I was approved and deemed Eligible. At this time Im asking the department to look into this matter and correct the matter and Mistake on Discover Verifications department. I can be  reached at XXXX
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

Navient and XXXX are not working with me for Repayment options. I have told them that I can not make the monthly payments off of my income and they said they can not help me. They told me that there was no other options for payment plans and that I can not go into forbearance. They never told me this when applying for their loans. They advertised flexible payment options. Not to mention the interest rate the loans are at when interests rate are at an all time low right now. I can not make ends meet with paying them and trying to live.
Consumer complaint received 2015-10-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

In XX/XX/XXXX I hit a financial hardship, I, applied for what I thought was a small business loan..the agents name XXXX XXXX ... told to log into online banking..they would take it from there..2checks were counterfeit ... risk management without warning invaded my privacy and closed all XXXXaccounts XXXX we 're not affected by the ID Theft but have done nothing to apprehend XXXX XXXX.they threw me under the bus .now they refuse to remove me from early warning when no fraud as been committed ...
Consumer complaint received 2015-08-12
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (GA)

My loan servicer is Navient XXXX formerly XXXX XXXX XXXX. When XXXX XXXX changed to Navient, Navient began frequent, repeated and extremely excessive phone calls to phone numbers that I did not provide to them for communication purposes in order to collect payments from me. The calls began after I communicated with them that I recently graduated and was unable to make the monthly payment at the current time. They call every day, XXXX days a week, all times of the day. They began calling from one number, then they started using another number, I suppose to surprise me. I also receive a letter from Navient every day in the mail. In addition, Navient contacts one of my friends looking for me ; I do n't know how they got this friends ' contact information but this friend is getting repeated calls and voicemails from Navient looking for me. This manner of collection is extreme, outrageous, excessive and it is interfering with me being able to live life.
Consumer complaint received 2024-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-02-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (OK)

XXXX of this year I became 100 % XXXX. My county tax assessor told me I would no longer have to pay OK taxes. Than gave me lots of paperwork so I was informed about the free tax items I could buy and limits. I immediately notified my mortgage co., The Money Source. Gave them the information they needed plus sent them a certified envelope to ensure delivery, they received it on XX/XX/2021. I have the signed green sheet from post office. I than proceeded to call them, basically monthly. I got excuses, lies, and broken promises. I even had the tax assessor fax them another copy. The tax office received a computer generated slip saying it was received. Kept calling, they continued to blow me off, lie or hang up. So in XXXX while making my payment I included only interest. principle and house insurance, plus some additional money to go against principle. They started calling, telling me I was delinquent. If I didn't pay complete balance they would report me to credit bureau. Made the same payment in XXXX, and they didn't report me to credit bureau but did add a late fee. Now in the mean time I had filed a complaint # XXXX with the XXXX. Yesterday I received a copy of their reply to the XXXX and they said they mailed my escrow of $ XXXX in XXXX. Plus said I had a new amount to pay, less taxes. Problem is on next statement they say I owe {$1700.00} plus a late fee. Under past payment summary they show my two {$800.00} payments but as unapplied! I also received a annual tax and interest statement which shows my escrow balance and that they still have it. So they have also lied to the XXXX
Consumer complaint received 2016-08-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (FL)

Hello my name is XXXX XXXX I just recentaly opened a checking and savings account with chase bank. after 2 days of me doing so and depositing a big sum of XXXX XXXX dollars they randomly without no reason or sort of any answere just decided to close down my account, without at least a notice. Now they closed down my account and they are holding my money that belongs to me and will not release it to me. fine if my account has been closed there should be no reason why I have to wait for any reason to have my money given back to me. This has been the worse experience I have ever had with a financial institution. It has made me feel like if I have commited a crime or if I was a criminal. Now I need to request for my money to be refunded back to me asap. I am a good citizen and have good credit and this what chase is doing to me not even the brach where my account was opened has never been seen or heard of. I need immediate action on this situation.
Consumer complaint received 2021-09-01
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: ENCORE CAPITAL GROUP INC. (NJ)

the following accounts appear on my credit report, without any authorization, they are hurting me Identity Theft MIDLANDCRE Account Number : XXXX This is not mine. 

13. Identity Theft MIDLANDCRE Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-08-25
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: Bread Financial Holdings, Inc. (AL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.