davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX - A client gave a check that had misinformation for a marketing service that was then put on hold from Bank Of America XXXX Bank of America without notification via email text, or call abruptly closed the account on XXXX. XXXX without communication. I discover the account was closed was after I was unable to log into the mobile app and i was unable to access the money in my checking account. 

On XX/XX/XXXX, I spoke with a representative for Bank Of America expressing my inability to access my account and I was made aware that my account was closed due to an invalid check. 

The representative of Bank Of America told me that Bank of america would sent a cashiers check of the remaining account balance to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, on XXXX XXXX. ( Personal account : {$1900.00} Savings account : {$11000.00} ) After 60 days of not receiving a check, I contacted Bank Of America, and a rep made me aware the check was delivered to the wrong address and that she would reissue the check to the correct address through Ups. After 30 days of not receiving the cashier check, I contacted Bank Of America Again, and they made me aware the checks were never sent because they were already cashed.The client risk department transferred to the fraud department, and a case was made for the investigation to understand why a check was cashed in my name. I was told they would investigate the matter, which could take another 30-60 days. 

My account was abburelty shut down and I have not been able to access money that belongs to me after trusting bank of america with my hard earned money. It has been almost 4 months since i have been able to access the money that was in the account after bank of america abruptly closed my account. This has left me with no money to pay my bills, resulting in a eviction, a repossession and dramatic increase of my credit score because i had over XXXX stolen from me from bank of america. I need the problem solved immediately because this has caused me to lose everything i have due to their immoral business practices.
Consumer complaint received 2023-01-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I have requested that the public record on my personal credit report is reporting completely and accurately. I have asked that all information verified include the complete and full court name reporting the full complete and accurate docket identifier, bankruptcy type, account ownership type, attorney name, disposition type, disposition date file date, paid date and settle date. If you are unable to verify any of the information requested, please remove this bankruptcy immediately. All dates should be reported fully and accurately to maintain the integrity of my consumer credit reports.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

I had a mortgage with Wells Fargo and prior to refinancing the mortgage, I had numerous erroneous late fees charged and I did file complaint while I was an employee for fear retaliation. The mortgage was refinanced in 2021 and I paid over a thousand dollar in erroneous late fees. I am requesting this to be refunded as I heard about the recent news regarding this matter.
Consumer complaint received 2023-01-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

My partner and I bought a house in 2005 and financed thru Wells Fargo. They advised us to skip several payments to be eligible for any kind of loan modification, this pushing us closer to foreclosure than to get the loan payments. The house was eventually sold as a short sale and our credit was shot. We found out later that Wells Fargo had numerous law suits for fraudulent mortgage related charges. Was told I needed to file complaint to join the thousands of others that Wells Fargo has to settle out with. I do not have the Account # for our loan, but Im sure the address of the property could be used along with my name. Property address is XXXX XXXX XXXX, XXXX, TX XXXX.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

In XX/XX/2022 I called PHH asking if they had bi-weekly payments. I was told that they did, at first the agent said I couldn't be set up on it if I had automatic bank draft turned on, but then he came back and said I could. They sent me the paperwork to fill out. I completed the paperwork and faxed it back in at the end of XXXX. I received a letter that was confusing about a week later. It didnt say if I was approved, it didnt say when payments would start, but it mentioned making a manual payment which was confusing since I was on automatic bank draft. 

I called to get clarity. I was told that I was approved and that the bi weekly payments would start the next month and that I would get another letter with when the payments would start. I never received another letter. 

The next month the bi-weekly payments didnt start so I called again. This pattern repeated every month through XXXX. Every time I called I was told something different. One employee told me I had to fill out the paperwork again. I repeatedly asked if I needed to turn off automatic bank draft but was told no. In XXXX I was told I had to make a manual payment for the full month then the bi-weekly payments would start the following week. I asked her twice if there was a chance that they would pull the full amount for the automatic bank draft, but she kept reassuring me no. 

I made the manual payment for the monthly amount and then they drafted the full monthly amount. Despite the employee reassuring me this wouldnt happen. They wiped out my checking account since I was not anticipating this. It took a week to get my money back. I asked to speak to management and was never passed on to a manager. Even when my calls were escalated to the escalations team I was still never provided with information on when the bi-weekly payments would be set up. Finally at the end of XXXX I spoke to an employee who seemed to know what she was talking about. She finally informed me they do not offer bi-weekly payments only bi-monthly. They didnt even offer what I had been asking for. Every call I asked about bi-weekly payments and no one ever told me this isnt what they offered. I wanted to pay off my loan faster so bi-monthly was not helpful. Dealing with this company has been incredibly frustrating. I spoke with a different employee every month from XX/XX/2022 to XX/XX/2022, sometimes two different employees and only one employee could actually answer my questions. 

Then in XXXX without my consent or knowledge they shut off my automatic payments. I am hoping I never have to call them again because I will not trust anything they tell me. As soon as I can refinance away from them I will.
Consumer complaint received 2023-01-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

Back in early part of XXXX wellsfargo done a modification on my mortgage i ask to spread the XXXX payments ot instead they done a modification i suppose to be having XXXX and mths left to pay for home also im XXXX XXXX XXXX move here XXXX now it gon na be XXXX before done paying they say XXXX i have 21 years left to pay at my age they done me wrong
Consumer complaint received 2023-01-20
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. (NJ)

THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS, these accounts are not mine. Aso, This is not my home address. I never lived here nor received emails here. 
XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2000 XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NM XXXX
Consumer complaint received 2023-01-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-10-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CT)

To whom it may concern, I would like to make a formal complaint against Navient and XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, MN XXXX @ XXXX Ref- Account XXXX. XXXX for the Amount of {$72000.00}. I do not owe Navient Anything. I've had an on going problem with Navient for several years with harassment and from all the collection agencies sent by Navient. Navient has Destroyed my Credit, I had a credit score of almost XXXX, before Navient Deliberately forced a Default on this Loan. I am Request to be released as Co-Singer on both loans for XXXX XXXX XXXX File # XXXX and XXXX XXXX XXXX XXXXFile # XXXX Case # XXXX. Navient Please contact both bowers, you have their information. CFPB what are my recourses, Navient, I have many on going Health issues, and the Harassment from Navient and Any and All  Collection agencies causing more Health issue and harm for me. I have documented the same issue of Harassment with Navient in the past with CFPB and the State of Conn File # XXXX Thanks XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX. 

Navient Default on my Loan Purposely, Destroying my Credit, Ruined my Life, I am also Request that the State of Connecticut Attorneys General and Consumer Financial Protection Bureau, to Investigate Navient and any Collection Agencies, and to also look into the business practices of Navient and its subsidiaries. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/2020 2020
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

My name is XXXX XXXX. I was shopping for mortgages and Wells Fargo gave me the best interest rate and the lowest down payment. I missed a payment here and there and it was fine, then one time I was late and they said I can not make the payment. I was confused then my daughter told me we were in foreclosure. I hired an attorney and the police that this was crazy, and I can borrow the amount from family. They told me at that point I remember vividly that they would never again accept a payment from me and to prepare for my foreclosure. It ruined my family. my children turned on me, everything fell apart. The lawyer told me he heard of this happening to a lot of people in our town and we put two and two together, however he claimed to go toe to toe with a company like Wells Fargo just was not feasible and I should prepare to a life without a home. I never recovered financially due to my age and I still rent today. It really breaks my heart to know if I had chose another mortgage lender I would have equity and a home to call my own. I lost everything because of wells fargo, they did not care and they KNEW what they were doing was wrong. The staff knew it as well and all they can do is apologize. The fact is, I paid until they chose to no longer accept my mortgage payments so they can sell my house from under me and when they did, they turned a tidy profit on it as well. They are the type of company that you ( consumer watchdog ) are designed to protect hard working citizens like me from. They ruined me for no reason just pure olf fashioned greed. I am glad someone told me about this link. The world should know what they have done.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY ()

My property is already foreclosed back in XXXX. I couldn't make payments because my wife 's contract has been rescinded by XXXX XXXX XXXX XXXX. She manifested first symptoms of XXXX XXXX XXXX. She passed in XXXX. We lost the house. Nobody, including Wells Fargo, did anything to help us with this issue and all our economy crumbled with this disaster. I am now retired and living with SS prestations. 
My date of birth is XX/XX/XXXX
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KS)

My credit reports generated by XXXX, Experian and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX  XXXX. No : XXXX clearly suggest conflicting information of 1. HIgh Balance, 2.Last activity and 3. Date opened which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX Experian XXXX High Balance {$5800.00} {$0.00} {$5400.00} Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Consumer complaint received 2023-01-20
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (FL)

I have two incidents. I bought a car and the XXXX pay off my personal loan, they said Wells Fargo, that they did not received the money yet. Do they charge me some fees. The other loan I pay off before and they did not deducted interest or for paying ahead. Thanks you
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am filing a complaint due to inaccurate information on my credit report, The accounts are reporting inaccurate information, such as payment history, date of last activity, payment status, etc. 
Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Consumer complaint received 2023-01-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (KY)

From XX/XX/XXXX to XX/XX/XXXX of XXXX wells fargo charged unlawful fees on charges that weren't mine. When I would dispute them they wouldn't even look into it. That cause major overdrafts as well as insufficient funds
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX is still reporting, that I'm paying on that account, I have not paid on this account for 6 or 7 years, I am asking that you remove it from my report.
Consumer complaint received 2023-01-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have previously submitted a complaint with number XXXX in regard to Experian reporting incorrect information on. my credit profile. 

On XX/XX/2020 Experian responded in a nonchalant manner and requested information i have already supplied them weeks ago. In addition, Experian is accusing me of using a credit repair service and will not stop reporting incorrect information.

I'm very educated on the Law and i wont let Experian get away with this none sense. I have already sent a copy of my ID, passport, social security card to Experian with a bank statement. I have all my previous letters that i will upload to this claim again so Experian can have some common sense and remove this incorrect information immediately.
I Know Experian is breaking the law by ignoring my previous attempt and has all the information required but they are not able to verify the accounts and has yet to provide me any supporting documentation. I have Experian online monitoring and my identity has been verified and my correct name is shown on Experian 's online portal. I will not back accept nor tolerate these comical games Experian is playing. I will keep reaching out until all the requested accounts are removed from my credit profile immediately. If i have to complain everyday, file a lawsuit, or call i will not tolerate this at all. I will request that Experian
be fined {$1000.00} for each account they are reporting incorrectly on my behalf.

Like i previously stated in my letter that i will re-attach all previous correspondence. Delete these accounts immediately. I have sent my final letter to Experian vis USPS first class mail with tracking number
Consumer complaint received 2023-01-20
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX Balance : {$690.00}
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (CA)

I owed less than XXXX i called and asked the bank to lower my payments due to personal financial hardship and even after agreed my car was repossesed and i was sent a payment booklet to pay off the loan
Consumer complaint received 2023-01-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. 
Account name : US DEPT OF EDUCATION # XXXX  You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I am having card issues, some errors, over draft fees keep adding, I had issues that ending up closing my account very sooner than I expected. I kept it believe 6 months but I had it from customer services, their errors, so I am glad I closed my account