davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-13
Product: Consumer Loan — Title loan
Issue: Applied for loan/did not receive money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I was told I was preapproved for a Car loan/refinance on one of the Bank of America branches and was encouraged to apply. Prior to beginning the application I asked if it the inquiry would affect my credit score. I was told that because it was just a inquiry to confirm my identity it would not affect my score. I also asked if I would be able to refinance even though I had taken out the loan with my mom ( who is a cosigner ) and the car was registered under her name and the title was also under just her name. I was told that as long as my name was on the car loan I would be able to refinance. After getting approved and spending over 15 hours on the phone my current BOA loan costumer service obtaining all the information they had requested, I was told by a different representative prior to final submission that because I was not on the registration or the tittle of the car ( because the dealership did not include my name ) I would not be able to refinance. I explained that I was told both at the bank and through the phone by previous loan representatives ( which was recorded on their recorded line ) that all that was needed was for my name to be on the loan to be able to refinance the car loan. After speaking with a manager and explaining the situation ( and the fact they had the conversations with BOA representatives on recorded lines stating that all that was needed was for my name to be on the loan to finalize the loan ), the manager stated that there is nothing they can do on their end and I would have to either reapply or make it a third party purchase which would end up being more interest and higher payments on my end. I attempted to update the tittle, however, that takes over 3 weeks and the approval was only valid for 30 days. I also found out that the inquiry had indeed lowered my credit score as it showed as a credit inquiry on my credit report. I was extremely upset at the fact that I was misinformed and that most of the staff was not well trained and this ultimately led me to have an inquiry on my credit report, with no loan to show for. All they were able to say was they they apologize for the misinformation, however, I feel I should not bear the cost of their neglectance in staff training and procedure.
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Reporting Act Reporting, XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States right of privacy belongs to me, so I have the right of privacy. Also in section 15 U.S.C 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

I have not given my written instructions to furnish this account so please remove this from my credit.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I needed to urgently transfer money out of my Wells Fargo checking account to another bank account in my name. I went through their account verification procedures ( XXXX XXXX  ) and was informed that my bank account was verified. I tried to transfer funds over the next XXXX days but it was not successful. On the fourth day I received a call from a Wells Fargo fraud representative asking me if I was trying to transfer money to this account and I responded yes. They told me that the transaction should now be able to be processed and asked me to try again. I tried again, but was immediately locked out of my account. I called into the Wells Fargo fraud team and explain the situation. I spent over an hour on the phone with them as I tried to get access to my checking account again. Eventually, they restored access and told me that I could now transfer funds to my associated account. I tried again, but the transfer was unsuccessful. I incurred a lot of wasted time and incurred late fees/penalties from not being able to pay the bill on time ( that was why I was trying to transfer money ). To this day I still am not able to transfer money to my associated account.
Consumer complaint received 2016-11-07
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (NJ)

My father took out a reverse mortgage with Financial Freedom Mortgage, a division of OneWest Bank. The bank has foreclosed on the mortgage stating that he was not the primary resident of our home. They sent a process server to serve him with a summons & complaint but my father did n't have the capacity to understand due to him having XXXX and they said that they served me with the summons & complaint which is false. I was never served and their affidavit of service is fraudulent.
Consumer complaint received 2015-07-30
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BBVA FINANCIAL CORPORATION (CA)

Hi, We were first approved for a HELOC with BBVA Compass bank and then rejected inspite of having impeccable credit and spotless credit history because we are " not US citizens ''. We already have a XXXX mortgage on our home and have never been late, missed any payments in our life. We applied for a loan ( and declared that we were not US citizens from the beginning of our application ) of XXXX and were approved for XXXX. Then when we were about to close we received a denial letter and the Mortgage broker told us that we were denied because we are not US citizens. From our standpoint, this is discrimination by a bank claiming to be Equal Lender, based on country of origin.
Consumer complaint received 2024-10-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLSTATE LENDING GROUP, INC (SD)

I was in a car accident back in XXXX XXXXXXXX paid off the loan to my car. As of the last year I have been trying to get my title. Ive been struggling back and forth with my loan company XXXX XXXX XXXX XXXX and my insurance company ( XXXX ). XXXX is stating that since XXXX is the one who paid off the loan, they need to release the loan to us. They need a letter from XXXX stating they authorize XXXX to release the title to me. A few months ago I was able to do a 3 way phone call with XXXX and XXXX. XXXX gave them verbal authorization to release the title to me. A representative from XXXX took down my new address and stated they would send me the lien release title. A few weeks go by and I called XXXX to see where my title was. They stated that representative was wrong and they cant release it and XXXX needs to be the ones to release it to us. Its been constant back and forth with no progress. I filed a complaint against XXXX through XXXX. They responded that XXXX needs to send them a letter stating they authorize XXXX to release the title to me. I have emailed and called XXXX XXXX many times. I first emailed XXXX on XX/XX/XXXX explaining the situation and that I just need him to send a letter to XXXX for authorization. I emailed again on XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. Still havent received a response. My claim number with XXXX is XXXX. I just want my title!
Consumer complaint received 2023-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

XX/XX/XXXX refinanced home mortgage from Loan Care to XXXX XXXX ( new mortgage lender ). From XX/XX/XXXX to XX/XX/XXXX contacted Loan Care to notify that I did not receive my remaining escrow funds of approximately {$1900.00} as I normally do after refinancing my mortgage. Several times, I tried and was told on the phone by the service representatives and manager, XXXX XXXX, that my escrow refund check had been mailed. I responded that I had never received the check. XXXX XXXX assured me that I would be receiving my escrow funds within a week- I did not receive anything. I got frustrated and did not pursue this matter as promptly as I should have and this is why I have contacted your bureau. It has been about eighteen months since I refinanced and Loan Care has not refunded my escrow funds and that is why I am filing this complaint requesting your assistance to help me receive the check that I should have received by XX/XX/XXXX. I greatly appreciate your assistance. 

XXXX XXXX XXXX
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete these immediately in my file : XXXXXXXX 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (FL)

The named company has violated my rights by improperly furnishing collection without my written consent. The law states that I have the right to privacy and no credit or collections company can not my personal information without my written consent, this account MUST BE REMOVED IMMEDIATELY. this account was also FRAUDULANTLY OPENED AND WAS PREVIOUSLY REMOVED, IT CAN NOT BE RELISTED AND I DIDNT APPROVE OF THIS. 

XXXX # XXXXXXXX XXXX XXXX
Consumer complaint received 2021-12-03
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: EQUIFAX, INC. (AL)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a XXXX XXXX name XXXX and XXXX and XXXX from the XXXX XXXX  I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ava Finance, Inc (NC)

Remark code added to XXXX XXXXXXXX account Between XX/XX/year> and XX/XX/year>, the following remark was added to this account : Dispute resolved ; customer disagrees. 

Remarks are meant to make your report more clear. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. 
Remark code removed from XXXX XXXX account Between XX/XX/year> and XX/XX/year>, the following remark was removed from this account : Account information disputed by consumer, meets FCRA requirements. 

Remarks are meant to make your report more clear. If you're not sure why this remark was removed from your report or where it came from, you can contact your creditor or the credit bureau for more information. This dropped my score 65 pts i have not used this company in months and i left on good standing?
Consumer complaint received 2015-04-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: WELLS FARGO & COMPANY (NJ)

I co-signed for a relative 's student loan at Wells Fargo Bank. The relative moved out of the country and I can not reach them. Wells Fargo demanded that I repay the loan I co-signed for and I have been doing so for almost a year. Since I am repaying the loan I asked Wells Fargo for access to the loan on line. I think my relative 's parents may be trying to make some payments on the account but without on line access I can not find out. Since I co-signed for loan and since I am making payments on loan why can bank refuse to provide me with on line access to an account that I am legally obligated to make. Bank tells me that only the original borrower can authorize me access to look at how my payments are being credited. Is that true? Can they block me from seeing how and when my payments are applied to a loan I am legally obligated to make on line? They state that I can call them for this info at any time and they will give it to me over the phone or by mail but I can not have on line access. I am a Wells Fargo Bank customer and although they told me initially that I can have on line access to my checking account, credit cards and all loans they stated that student loan co-signers can not view their loans with them unless the original borrower who is in default calls them and grants me access. What rights do I have to this loan information?
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

XXXX  First they called my mother. She told me they called when I got home today. Threatened that I would be served Monday if I didnt give them at least {$400.00} down and {$100.00} a month towards the debt. I dont have this amount of money. They then asked me to put it on a credit card or ask a family member for it. Its not on my credit report so I dont think I owe it anymore. They said my wages would be garnished at {$550.00} a check. I offered them {$30.00} a month which I can afford and they said its not enough. They said I owe {$3300.00} but will accept {$1300.00}. Said if we go to court it will be {$5200.00} after lawyer fees. The company was called XXXX XXXX and XXXX in XXXX XXXX, Ca. The debt is nearly XXXX XXXX XXXX and I didnt even owe {$500.00} initially. They also tried to get me to sign something over email. They said there was no statute of limitations on this debt too.
Consumer complaint received 2023-01-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Four Directions Lending LLC (IN)

I never asked or received a loan from this company. They sent a wage assignment document to my workplace stating that they want to garnish my wages. Theres been no court case filed against me that XXXX aware of and they can not take my wages even if I dont dispute the validity of this loan. Please tell them to stop these illegal attempts to take money out of my wages or embarrass me through my workplace in the future.
Consumer complaint received 2016-02-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

This is my second complaint about Wells Fargo, I am trying to do a loan modification for the past 2 years and I keep getting the run around I sent the paper work in a bunch of times, all I get in response is your missing something, than I 'll send that and they tell me I 'm missing something else, than I have to redue all the paperwork again because it expired, I send it in again and again your missing something this has been an ongoing thing and I have been really XXXX over this whole thing had to get XXXX family problems my partner of 13 yrs left because of this whole mess, I 'm falling apart here I want to keep my home and need some help fast before they forclose on my home, I got a email from you saying to call about my first complaint, I called today and the man could not help me with anything, said the wrong stuff was written down from someone there at cfpb wrote the wrong stuff down, he said he would call me back it 's been an hour now and I still have not heard back from him, I need to get this resolved BEFORE I loss my home so I can save it, while I 'm in the modification process I get a letter saying the XXXX with be handling my loan, I 'm trying to get a modification from Wells Fargo now I got ta deal with another company and get all new paper work, this stress is going to kill me and than it will be on Wells Fargo hands, so please can someone take care of this asap
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

I hired a debt consolidation company XXXX XXXX XXXX ) to help me consolidate this account and after a few months i received an alert stating that the account was in a charge off status. I contacted the debt consolidation company because that's not what they had stated it would happen. They said that they would pay off the balance with the funds i was paying them. Unfortunately they never said that they would have to stop making payments. After I found out what had happened, so I contacted Discover and regained access and made a payment arrangement. This of course had a negative impact on my credit scores. Discover agreed to a settlement offer and to delete the account from my credit report once I paid the account off. Unfortunately this has not happened and now they are not willing to send me a letter stating that the account was paid off or they are not able to delete the information.
Consumer complaint received 2023-01-18
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: MOHELA (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX, MO XXXX Dear, MOHELA/DEPT OF ED FINAL NOTICE I agree to pay the following financial obligation regarding account number XXXX in which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of this Conditional Acceptance send certified mail return receipt requested you deliver to me the following : provide a validation of the debt, that, production of account and the general ledger statement. 

Verification of your claim against XXXX XXXX, that is, a signed Invoice. 

A copy of the Contract binding both MOHELA/DEPT OF ED AND XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. 

A statement admitting whether you are the holder in due course or whether you are a servicer. 

A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 

The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 

The CUSIP number under which my loan was securitized to. 

Make available for visual inspection my original wet ink promissory note ( not a photocopy ). Please provide the above and if you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301.

Under US Code TITLE 15> CHAPTER 41> SUBCHAPTER V> 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC.

You are advised to consult legal counsel on this matter.

In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 

Thank you, XXXX : XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2016-04-10
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (TX)

In XX/XX/XXXX, I got a letter that Citibank was closing all of my credit card accounts with no notice or reason given beyond that it is their right to close an account at any time they choose ( copy attached ). However, I believe that this kind of adverse action requires that an adverse action notice be provided under the Equal Credit Opportunity Act and the Fair Credit Reporting Act but was not given. While I asked for a reconsideration, without knowing the reason for the closing, I could not effectively argue that the closing was unfair and unwarranted. 
The bank was also unfair when they refused to give the rewards that were earned in the month that the account was closed. I made charges and paid the full amount owed before the account was closed. When I opened the Citi Double Cash, I was promised XXXX % on purchase and XXXX % on payment of the charges. I made {$10000.00} in charges and paid it before the account was closed but Citi refuses to pay the {$200.00} benefit. On the AT & T card, I made {$3900.00} in net charges that were paid before the account closed but Citibank refuses to pay the triple benefit for online purchases that are worth a {$110.00} statement credit. While I 'm not a lawyer, this feels like unfair enrichment and promissory estoppel. I did my part of the bargain but the bank refuses to do theirs. 
The final unfair practice that I experienced in the closure is that Citibank says that they can keep the full annual fee for the full year membership even though they decided to close the account before the full year. The Credit Card Accountability Disclosure Act says that the company needs to disclose the annual fee but the fee can be for far less than a full year if the bank closes the account. I believe that I should get the pro-rated annual fee refund that was denied. 
Thank you, in advance for your help with this matter.