davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

To recap the events from XX/XX/2023 to now, in XXXX, a fraudulent check in the amount of $ was deposited into my checking account by perpetrators. The funds were then tried to be withdrawn by the perpetrators, which resulted in my account being frozen. I contacted customer service as I tried to log into my account via mobile app and saw my account no longer existed. I then was told a fraudulent check was deposited into my account. I couldnt believe or understand HOW this could have happened. My phone was indeed stolen before with my bank information present as well as my card which at the time I thought was misplaced. I was told my case was under investigation and would be resolved within 30 days repeatedly. I was told the fraud claim was closed and that I would receive MY funds in my account back. I called repeatedly & again on XX/XX/XXXX and was told there was no update, that my funds were still frozen but the representative said a work order would be sent to the internal office to request my funds to be returned. 
On XX/XX/XXXX, I called and spoke with another representative, which then put in another request for my funds to be returned and she asked me to call back for an update. I called again on XX/XX/XXXX and was advised to call the XXXX XXXX because of the XXXX XXXX XXXX report filed by BoA. I was asked to dispute both the XXXX XXXX and BoA ( which was already done ) and to file a police report. I filed a police report then. 
I then was told to contact the fraud department in XXXX, FL. I spoke with 2-3 people to resolve my issue. They ghosted me and continued to not help me when I complained repeatedly about my name being on XXXX and XXXX XXXX XXXX which prevents me from opening ANY bank account OR credit card. One of them finally got back to me and removed my name from XXXX but not first warning. So currently, im still unable to get ahold of any bofa representative I have talked to for help, nor am I able to open any account. I am not responsible for the fraudulent actions and desperately need help to have my name removed. Please help me. XXXX XXXX
Consumer complaint received 2024-01-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (FL)

See notice of dispute sent to Navy Federal date XX/XX/XXXX and the received on the date of XX/XX/XXXX via certified mail with tracking # XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the denial of my credit card application, which I submitted on XX/XX/XXXX. I believe the reasons for the denial violate the Equal Credit Opportunity Act ( ECO ), as outlined ni 15 U.S.C. 1691c. Additionally, Iam bringing ot your attention potential violations of U.S.C. 1681m and 12 CFR 1002 concerning fair credit reporting practices. 
According to the adverse action letter I received from your company, the stated reasons for the credit denial are as follows : XXXX Balance status of XXXX XXXX accounts XXXX Insufficient variety of secure loan accounts XXXX Number of credit card trades opened in the last 24 months XXXX Length of XXXX XXXX membership XXXX. Number of inquiries on the credit bureau report I contend that XXXX XXXX may be in violation of 51 U.S.C 1691, 15 U.S.C. 1642, U.S.C. 1681m, and 12 CFR 1002, as I applied in good faith, yet credit was not issued. None of the reasons for your adverse action against me fall within the scope of the law. 
Furthermore, I am concerned about potential fraudulent activity, as my social security number ( credit card ) was used without my benefit. This raises questions about the unauthorized use of my credit card information by XXXX XXXX. 
Irequest that Navy Federal Credit Union conduct athorough review ofmy credit card application and explain the factors leading ot the denial. I also ask for clarification on the alleged violations mentioned above. 
If XXXX XXXX fails to address this matter promptly and fails to compensate me for any damages incurred. I may be compelled to pursue both criminal and civil actions in accordance with 15 U.S.C. 1681n and 15 U.S.C. 1681o. Additionally, I reserve the right ot submit an invoice for any proven violations, with a proposed amount of {$1000.00} per violation.
Consumer complaint received 2024-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A. (TX)

PNC Bank acquired our mortgate from BBVA Compass Bank several years ago. We have never been late nor missed a payment. We are on Social Security income only and the funds used to pay the mortgage are received ( deposited direct ) to our bank on the XXXX  Wednesday of the month. As soon as the funds hit the account, payments are set up through the bank to pay our bills due the first of the following month. We have done this each month as long as PNC has had the mortgage without any confusion or problem. Of Course we are paying early which we deem necessary to do as funds are tight. This past XXXX, the payment was sent by our bank per usual arrangement on the next business day after the XXXX Wednesday. Out of the blue, someone at PNC decides this is an early payment and assumed it was meant as extra money to apply to the principal. Had never happened before as the entire history of our loan payments will show. Ofcourse when no additional payment was received on the XXXX of XXXX, PNC declared us late and now a month behind. This has been explained clearly to them on several occasions but they refuse to correct by simply reversing the erroneous entry and applying it as it shoub have been for the XXXX payment. They are blaming us soley because we paid early. How can thar be when we paid exactly as we have every month since they have owned the loan. How can an early payment logically become a late payment that is our fault. We do not believe the loan contract gives PNC the right without our permission to arbitray change application of the monthly payment amount.Thank you for looking into this for us.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credence Resource Management, LLC (TX)

I have a collection for XXXX XXXX XXXX  which is affecting my credit score. I have attempted to dispute this collection in the past as it is inaccurate and was closed in good standing. 

Both XXXX and the Debt collection company have failed to correct this mistake.
Consumer complaint received 2018-03-14
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: EQUIFAX, INC. (CT)

I Called XXXX Equifax And XXXX XXXX trying to get these credit inquires off my credit report which are effecting my score. All have told me well just to lock my credit and they cant get the inquires off my report. I only have XXXX accounts XXXX with XXXX XXXX   and XXXX with XXXX otherwise they are not mine. would like for them to come off my score so i can start making my credit better.
Consumer complaint received 2024-01-25
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. (CA)

I have attached a personal description of what happened. I have reported this twice now to all three bureaus with no remedies. I need help. Please assist me. I could only choose one option but this has cost me, a single parent, with no family, a very promising offer due to this reporting. I need this remedied. This is not right. All of the careers roles I am seeking require a credit check. With this incorrect information fix, I will not be able to succeed in attaining a job and it already caused one employer to rescind their offer. I desperately need help getting these agencies to cooperate.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX  I deposited a payroll check made out to myself into my account and as it would turn out the company I worked for, through an online company, XXXX XXXX, issued me my payroll check on a closed account. The result of this was bank of America closed my account and my joint account with my XXXX  and said there's nothing they can do to help me. I was unaware that the account was closed that my check was issued out of. I was only doing what everyone else does when they get their payroll check. Trying to deposit it so I could pay my bills and use the remainder for household things and to care for my kids. Instead I lost {$5600.00} and my account with Bank of America as well as the ability to open an account with any other bank or credit union. How do I get rid of this on my record so I can open a new account and start to have a normal life again. Since this event I have had two unemployment cases opened in my mane that I never opened as well several loan attempts and purchases for cars and a house. I never did any of these. I am a victim of identity theft and just want my life back. It's not like I'm allowed to just change my social security number or my birthdate. It is literally impossible for me to do anything about it. I need help please.
Consumer complaint received 2024-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NY)

XXXX XXXX XXXX/ ACCOUNT Original creditor : SYNCHRONY BANK Balance : {$1100.00} Balance updated : XX/XX/year> OPENED : XX/XX/year> Debt Buyer Reporting late payments and inaccuracy that is NOT 100 % accurate. This account is illegal and in violation under 15 usc 1681i ( a ) ( b ). 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 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 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. THIS ACCOUNT IS NOT VALID OR HAVE ANY PERMISSIBLE PURPOSE 15 usc 1692g ( b ) and 15 usc 1692 ( 8 ) ( E ) ( J ) ( D ) ( 8 ). NOT VALID
Consumer complaint received 2024-05-07
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC (WI)

XX/XX/XXXX I brought XXXX XXXX XXXX  from XXXX XXXX a XXXX and transferred a XXXX  XXXX  I was told XXXX  XXXX  was just going to be transferred and know payment will be due on that phone we gave XXXX XXXX XXXX old XXXX  and and a another phone. The problem is the XXXX XXXX in XX/XX/XXXX both XXXX XXXX broke at the bend we had insurance on the phones and they were still under manufactured warranty. We were told to take to XXXX XXXX XXXX XXXX. My phone they fixed the phone but they didn't fix the camera they stated they couldn't my daughter XXXX XXXX they fixed the phone then rebroke the phone because they couldn't fix the camera then I was told to send phones to XXXX they told us both the mother broad was broke and we would have to pay like XXXX to get each phone fixed. So I wrote a letter to CEO XXXX XXXX Stating what happened with my XXXX XXXX XXXX in the Internet he is listed as the CEO of XXXX XXXX I never received a response until now when I got the letter from the collection agency. I don't feel I owe them XXXX. I would like some type of compromise. We can't use our phones so we went to XXXX and got new phones. Our phones were insured so we feel they were not new phones if the mother board broke on both phones. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wisconsin. XXXX. And am sure other people had the same problem with the XXXX XXXX When we came into XXXX XXXX a young lady was there for the problem we had with our phone. We should of not got them. You live and learn. Thank you for your time XXXX XXXX
Consumer complaint received 2024-05-10
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc. (AL)

This debt was placed on my credit file without prior notice. I have disputed this alleged debt requesting that your company provide me with validation of this debt. Your company has failed to comply. If you can not validate this debt, I demand you to remove this debt from y credit report. This is causing damage to my reputation. I have read FDCPA and come to notice that you are violation of many of my federal protected consumer rights. I also did research on the company and in many cases you all were sued for this very same reason that is in violation of my rights. I demand you remove this account from my credit/consumer report immediately. I have enclosed proof that no debt is owed.
Consumer complaint received 2024-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XXXX XXXX XXXX  I went to an atm in XXXX XXXX on XXXX XXXX in between XXXX and XXXX. It is in the complex across from XXXX. I deposited {$500.00} into the my account through the atm and it took the money then crashed. The atm did not turn back on for a few minutes and by then I had deposited my money. I documented and tried to contact the company but since it was done around XXXX XXXX  nobody picked up. I searched in XXXX so I am reporting here. I tried to contact my bank also and got no reply.
Consumer complaint received 2024-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MN)

I'm trying to certify my last 5 payments with MOHELA, for public student loan forgiveness with my employer, XXXX XXXX XXXX XXXX XXXX. I submitted my PSLF form on XX/XX/XXXXXXXX  to MOHELA. MOHELA said it can take up to 60 business days to review, I called to check on the status today XX/XX/XXXX, they said can't accept my PSLF form as it stands right now because of digital signatures and they needed " Wet signatures '' the HR Specialist did not sign it correctly apparently? I re-sent the same form with wet signatures from myself, and the US Dept of state 's HR specialist 's wet signature as well, on XX/XX/XXXX. MOHELA said on the phone my XX/XX/XXXXXXXX  PSLF form is still processing, and may have to wait another 60 days to process, even though I uploaded the corrected one promptly, and corrected the form on XX/XX/XXXXXXXX  It's really frustrating when they can't just use the corrected form since its not completed yet. I asked to speak to a supervisor, and the phone operator said they can't transfer me, I asked again and she put me on hold. The operator came back and said the supervisor refused to take the call. Ever since my loans transferred from my XXXX XXXXXXXX to MOHELA, its been a disaster!! I would have never know my PSLF form had deficiencies if I wouldn't have called on XX/XX/XXXXXXXX MOHELA is not helpful when you call, they still have yet to place me on forbearance when I requested this over a week ago. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

Dear Navy Federal Credit Union I've noticed you have been reporting my information to the 3rd party credit bureaus which are on my credit report XXXX XXXX never XXXX XXXX Consent to do so which is in violation. 
15 U.S. Code 6801- Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2024-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MN)

Hi there, I have tried multiple times in the past three months to make my student loan payment through Aidvantage and each time I get an email confirmation that my payment has been processed, and then a few days later my account shows a payment reversal. I don't even get a notification or email that the payment has been reversed until I log-in and take a look at the account. I have sufficient funds in my bank account so I know it has nothing to do with having enough funds- and have now received three letters of delinquency from Aidvantage threatening to share with a collections agency because each time I think the payment goes through - it actually doesn't. After looking at my bank statements, I see that the payment is never even sent to my bank account for processing and when I spoke to my bank they confirmed that they have absolutely no record of a payment transaction at all from Aidvantage. When I try to get in touch with Aidvantage customer service, they are absolutely no help. 

Best, XXXX
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MD)

to whom it may concern my credit card was used on fraudulent activity on XXXX XX/XX/2020 amount of XXXX dollars. it was over the internet transaction. the activity was attempt of XXXX first and it was denied and then second attempt of XXXX went through. i called the citi mater credit card company on XXXX XX/XX/2020 and they said it was pending and they were able to stop it and i should be able to have my money back 2-3 business days. on XX/XX/XXXX, they charged XXXX on my card. and they said their fraudulent investigation takes up to 90 days. 
i didn't get any text alert or phone alert to approve the transaction nor they didn't keep their promise.
Consumer complaint received 2024-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OR)

My student loans were forgiven in XX/XX/2022. XXXX XXXX counted 186 eligible payments at the time of forgiveness and told me I would get a refund for the 66 over-payments within 6 months. No refund was issued. During this time my account was transferred to MOHELA. 

I saved the only information XXXX XXXX offered users. 

I contacted MOHELA who now holds my account, but they say that they have no information at all. I spoke with several of their customer advocacy professionals and sent them the documentation that I have and they said that FASFA made the determination to backdate my forgiveness to XX/XX/2022 and to issue no refunds. The representative ( XXXX ) told me that FASFA determined my 120th payment in XXXX of XXXX, but made no mention of the excess 66 payments. She said to contact www.studentaid.gov to reconsider my forgiveness/refund. When I contacted studentaid.gov, they told me that MOHELA and/or XXXX XXXX determines the forgiveness and that I would need to contact MOHELA. 

This back and forth has no solution. I spent many hours over many days to speak with a MOHELA representative and they told me they have no information about my loans. When I provided the information that I had from XXXX XXXX, they said that it was not sufficient. The information seems be withheld.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (LA)

my information was sold and bought illegally because i was a victim of the XXXX data breach. i want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that i was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (NC)

I had a balance with a Navy Federal credit card that I paid off IN FULL. My credit report states that {$11.00}, XXXX was written off. That information is inaccurate. I paid that in full. I have disputed this, but it remains.
Consumer complaint received 2020-11-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (AL)

After completion of the 3 month loss mitigation, paperwork was sent and signed ( and returned ) to shellpoint. This was back in XXXX. No matter how many times I call, email, ANYTHING, I can not get ahold of ANYONE to find out why my modification has not been placed into affect. I can not pay whatsoever, because they " don't accept partial payments '' and the only amount I'm allowed to pay is the ENTIRE PAST DUE BALANCE OF {$23000.00}. I NEED to start my payments so I can complete the 6 payment requirement of the VA so that I can change mortgage lenders due to needing to SELL this current home because we will be relocating to a different state. PLEASE HELP
Consumer complaint received 2016-06-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (GA)

I became injured and unable to perform my job 12 months ago and can not pay my private loan anymore. I have told Navient this repeatedly, and they are now harassing me, my mother, and mother in law with constant phone calls and letters. They will not stop. They have also hung up on me when I have returned their calls to state my situation.