davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XXXX I lost my job and had to relocate to a new state to find employment. I put my Delaware condo on the market but it failed to sell. I found a renter but the renter asked to break the contract after only 3 months. I put the condo back on the market, and again it failed to sell. In total I had the condo on the market for over a year with barely any interest from potential buyers. 
In late XXXX I found a new renter. I then began the process of requesting loan assistance from Bank of America. On the application, I selected " Undecided '' to the question " I want to a ) keep the property b ) vacate the property c ) sell the property d ) undecided. '' I have been unable to get through the application process because Bank of America 's underwriter apparently believes that I am a business owner, when in fact I am not. Several years ago my investment advisor got me to invest in a XXXX XXXX XXXX, XXXX. This is an investment fund that provides financing for construction equipment, industrial materials, and the like. Investors receive interest payments on money that the fund loans to businesses. XXXX I receive an IRS Schedule XXXX ( Form XXXX XXXX each year. 
Bank of America has demanded that I provide business tax returns such as an IRS Form XXXX. They insist that I am an owner of the business and that I must provide this information. They have also asked for details such as the XXXX salary, profit and loss statements, and more. This is not information that I can obtain. XXXX and the only information that I can get is on the Schedule XXXX. 
I have provided the XXXX numerous times, and I have submitted many letters explaining the situation. I have offered to have my investment advisor contact Bank XXXX. I also reached out to XXXX and asked if they can provide any help. This has all been to no avail. Each time, the underwriter responds that I must submit business tax returns. This is not possible since no such documents exist, and XXXX declined to provide any information other than the XXXX. 
Yesterday XXXX of Bank of America 's representatives told me that since I am not able to provide this non-existent documentation, I can not continue with loan assistance. I also found out that even though I marked " undecided '' on the application as to what I wish to do with the condo, I had been assigned to the Loan Modification department, and will have to begin the process anew if I decide to pursue a short sale or a deed in lieu of foreclosure. I do n't understand how " undecided '' means " please decide for me. '' Today I reached out to Bank of America 's via XXXX and XXXX, and I received multiple responses that were nothing more than rehashes of the underwriter 's incorrect statements and requests for documentation that does n't exist. 
I am close to defaulting on the loan because even with a renter I ca n't cover the cost of maintaining the condo. This is about to break me financially.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE XXXX - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 
3. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.SXXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2022-01-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Spoke with XXXX XXXX from trans union who verbalized over the phone though I requested in writing a copy of documents utilized for disputes for inaccuracies collection accounts, address inaccuracies, employment information, and prevention from accessing my electronic credit file. XXXX and stated that we are not going to give this information, we do not utilized any particular documents to validate debts reported, and that you can subpoena them if I wanted any information. The negligence and malicious management of Transunion as well as there abuse for management of my credit file has result in years of damage to my credit reputation. They continue to violate my consumer rights according to FCRA and do not properly investigate disputes or inaccuracies. 


After speaking with XXXX a dispute XXXX with XXXX, she also failed to explain how my disputes for inaccuracies were properly investigated and how they were closed with minutes apart after submitting information that proves the inaccuracies should be deleted. I have submitted more than XXXX disputes for collection accounts, address inaccuracies, other personal information, and employment information that is inaccurate. I also submitted a certified letter to correct these inaccuracies in XX/XX/2021 with a copy of my identification.
Consumer complaint received 2016-09-19
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SD)

Both my wife and I have a credit card with Bank of America. I logged in to pay today and noticed that both of our accounts show a different minimum payment due on the main account summary page than when I go to the make my payment screen. I have an example as well I can supply. Neither account was past due so no reason why my minimum payment should be different.
Consumer complaint received 2020-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc. (KY)

On XX/XX/XXXX I contacted a debt collector because a debt from a hospital I visited in XXXX is on my credit report and my state insurance should have paid it. They refuse to contact the XXXX XXXX  Oregon XXXX XXXX and get payment from them. This is not my fault. I gave the hospital my insurance info and I have the debt collector my insurance info. I want this collections of my report if possible?
Consumer complaint received 2016-12-11
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (VA)

Discover credit needs to be investigated for fraud, and bait and switch practices. There is no {$0.00} fee charged each year, despite the attached online statement made by their company. Fees ARE indeed charged each year by Discover, they are exorbitant, and they continue to lie about it. This is a discriminatory practice, and it is unlawful. Discover should not be allowed to make this statement, as it is a lie. Discover does indeed pull a bait and switch on the consumer as a result of this front page statement, and continues to advertise incorrect information to an unsuspecting public. 
This continues the complaint I made about Discover Credit on XXXX XXXX, 2016 ; to date have received no reply from Discover to my complaint, and in fact, continue to be ignored by Discover Corporation regarding my email dated XX/XX/2016.This is a bait and switch complaint. It will continue to be this way until I receive a correct settlement of account for my credit card balance for Discover credit minus the yearly fees that their company supposedly does not charge. I need the corrected balance minus the exorbitant fees that I was charged was all that I requested. This request as per XXXX/XXXX/2016 continues to go ignored. Why?! I do need an itemized statement sent by US Mail, so I can settle this account. Thank you for your assistance in this matter. 

Sincerely, XXXX
Consumer complaint received 2022-01-20
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. (TN)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2015-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

On some of our mortgage payments only half was applied to our loan and some payments were not applied at all. Due to this we went into foreclosure and now we are being charged with more than {$120000.00} XXXX + XXXX in fees. In addition, last year we were approved for a loan modification, after requesting one for 4 years. We did not agree with the additional {$120000.00} XXXX + XXXX that was on the modification so we contacted Ocwen and stated our concerns. We had been making our monthly payments per the trial period but in XX/XX/XXXX of last year, 2014, we were NOT allowed to make any additional payments until the loan modification agreement was submitted. We then submitted the agreement along with a letter disagreeing on the amount Ocwen stated we owed. We then were charged with an additional {$4600.00} in fees again. We have contacted Ocwen several times regarding our concerns and Ocwen stated that we needed to show proof that partial payments were applied and/or not applied at all. We then submitted copies of our bank statements and even mortgage statements showing payments made to our then mortgage lender. Ocwen then stated that they were not the mortgage lender at that time so they could not do anything about it.
Consumer complaint received 2016-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CO)

I attempted to pay off my loan on XXXX/XXXX/2016. I received an email XXXX/XXXX/2016 that the bank was unable to find the account and my payment had not been processed. I called American Education Services to resolve the issue on XXXX/XXXX/2016. I was told although i had been paying for my loan for years with XXXX account, they had tried to charge an old bank account and that was why it did not process. After being on hold for thirty five minutes, I was told there was nothing they could do I would just have to wait for their system to clear the incorrect payment. I was told this could take a couple of days which at this point would add ten days of interest. The representative said it was " only a dollar or so and it was not that big of a deal. '' I think it is wrong that I paid the loan off on XXXX/XXXX/16 and can still be charged over a week of interest for a systematic error on their behalf. Putting the bank error aside, I tried to pay the loan off today over the phone and AES would not take my payment. I do not understand how i could be charged additional interest following today 's date because I tried to make the payment today and they would n't take it. Yes it may only be another XXXX cents, but this is completely unethical. I refuse to believe it is lawful for them to refuse a payment and then charge me interest until they feel like taking my payment? Please help me.
Consumer complaint received 2016-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

Ocwen Loan Servicing failed to keep a mitigation appointment with me by phone. I made an appointment to speak with my Relationship XXXX and have waited several days to receive a call which was scheduled for today at XXXX pm. No call came. Ocwen Loan Servicing is in violation of the CFPB settlement with CFPB. Ocwen Loan Servicing has no intention to attempt to mitigate.
Consumer complaint received 2015-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I had an account that was deleted on XX/XX/XXXX from Trans Union and reinserted on XX/XX/XXXX.And it was removed on XXXX on XX/XX/XXXX and then reinserted on XXXX. I never received any notification that it was being reinserted from either bureau and there was no reason for it to be reinserted. Per the FCRA laws I am to be given a 5 day notification and I wasnt .I have at this point contacted an attorney and will go forward with a law suit if not removed and hopefully with your help it will be removed again finally. 
I want the account re-removed because they have failed to follow the law 1681 a 5 a of the FCRA 611 5b.
Consumer complaint received 2022-07-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

Please be advised that I have already received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that have used a third party credit repair agency. Not only do I believe this to a way to prolong this investigation, but I believe it to be a blatant violation of the FCRA. 
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is another way to stall. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further.
Consumer complaint received 2015-04-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

received my on line credit report. disputed some of the accounts. some were removed but a few were on summery. called again to ask to have them removed and was told they could keep them on record for 10yrs. these accounts are in good standing but go back to XX/XX/XXXX,XX/XX/XXXX. i would like to get them removed, because they look active even if being closed fo so long.
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: SLM CORPORATION (GA)

I recently received a copy of my credit report. The credit report showed a credit inquiry by Sallie Mae Bank that I do not recall authorizing. Sallie Mae should contact me before placing an inquiry on my file. I am fraud victim and my credit file indicates to contact me before pulling my credit file. Sallie Mae should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file. I have spoken with Sallie Mae representatives to remove inquiry and they agreed to remove but I did not receive any letter from Sallie Mae to indicate that.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-02-14
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. (IL)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Besides, the inaccurate information and inquiries about my accounts are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the personal information and inquiries that are still reporting on my account : Inquiries : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX Employer : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AZ XXXX
Consumer complaint received 2021-03-27
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I contacted my bank over 3 times about this amount, the first two times I spoke to gentleman that agreed with me that I didnt get back a certain amount of dollars back, I did the math and they refuse to see that I do not owe this amount because I never had it in the first place. I wrote out all my charges and connected it to the charges made back from the consumer and I was missing XXXX, I called XXXX they said they gave it all back which is not their fault because they showed me proof. Along the lines Capital One does not want to take responsibility for the missing money. I have wrote everything out and then its not adding up, they keep saying that they did a charge back twice which is incorrect. My balance was at XXXX before I made this purchase and it shouldve been returned back to XXXX because I return all the items and nothing is in my possession. I have proof that I returned everything.
Consumer complaint received 2017-03-24
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (CT)

Santander Consumer USA is taking advantage of the XXXX. Santander is charging excessive interest and fees to their consumers. They also coerce their consumers into buying products that are not required. They would constantly call multiple times a day. If you do n't answer the phone for a period of time to " Keep In Contact '' they will do " research '' and find friends and relatives and call them to get you to call them back. The payments that you make barely touch the principle balance on your loan, especially if your late on your payment. When you make your payment they charge a processing fee which we were not informed of when signing the loan.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (VA)

Amex personal platinum card opened in XX/XX/XXXX. Annual fee paid. All subsequent bills paid in full and on time. 

Card renewal ( 12 months ) {$690.00} annual fee billed on XX/XX/XXXX. 

XX/XX/XXXX, XXXX days after annual fee is billed and paid, Amex unilaterally cancels the card without notice. No late payments ever made on this card and the card was always in good standing. I am told that a pro-rated refund would be issued automatically. 

XX/XX/XXXX chat with Amex, I am told NO REFUNDs for annual fees. XXXX. 

I would not have renewed the card if I knew Amex would cancel after I paid the fee. If Amex did not want to renew the card, it could have canceled the card before billing another {$690.00} fee. Instead, Amex collected the fee and then canceled. The fee should be refunded.
Consumer complaint received 2020-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (HI)

Hi my name is XXXX XXXX making a complaint about American Express Express Serve card its a prepaid card and the company is about them closing my account their it was a balance of {$13000.00} in it roughly and before that the deposit came to the US Department of Treasury sent over from SS Social Security I am XXXX and they wanted me to have add my rep payee on it but she was already on it as a sub account they told me I write a letter to the corporate which I did and submitted documentation to where it was a legal document from Social Security saying that we XXXX XXXX and XXXX XXXX was on the document help me regarding please help me dispute this because I need my money back since I have a XXXX XXXX and I I'm XXXX  trying to look for place my email is XXXX or can call me at XXXX at your earliest convenience because it is urgent matter
Consumer complaint received 2016-02-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (TX)

I have been paying my student loan pretty regularly until recently when I had gotten behind one month but have since caught up. However, Navient calls both my dad ( co-signer ) and me SEVERAL TIMES A DAY BEGINNING AT OR CLOSE TO XXXX AND ENDING SOMETIMES AFTER XXXX I have communicated this to them but they refuse to quit calling.