davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/22 I received in the mail a letter welcoming to Wells Fargo with a checking account that I never opened. 

I contacted the Bank and they said they would look into it. 

I want to know why Know Your Customer ( XXXX XXXX does not apply to opening online accounts?!? Where are the regulators on this?!? If I walk into a bank branch I'd have to present several forms of ID but if go online at Wells Fargo I can open an account with someone else 's information without batting an eye. 

The irony that it's Wells Fargo STILL opening fraudulent accounts is not lost on me!
Consumer complaint received 2021-07-29
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Capital One Financial Corporation violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).
Consumer complaint received 2021-10-07
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. (IN)

I have been desputing an account with XXXX XXXX through Equifax, XXXX and XXXX. The credit bureaus have failed to investigate my despute for more than 90+ days. This derogatory account is affecting my accounts negatively.
Consumer complaint received 2021-07-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: STATE EMPLOYEES CREDIT UNION (GA)

We are the Sellers on a buy/sell real property transaction in the State of Georgia. We were set to close on XXXX XX/XX/2021. The Buyers were working with XXXX XXXX at the XXXX XXXX XXXX, XXXX NC XXXX SECU branch. We signed an Amendment to the Offer Agreement to allow the Buyers more time than originally requested to work with XXXX XXXX to secure an appraisal. The only Appraiser to arrive was not scheduled, no notice was provided, and the Appraiser refused to wear a mask inside our home. The Appraiser was asked to leave. Six days later - on the day the contingency was to expire - XXXX XXXX asked the Buyers to request another Amendment - for as long as they will allow. Our Sales Agent indicated that XXXX required the Amendment or the Buyer was instructed to take action on the Appraisal / Finance Contingency. No advice provided to the Buyers - that we are aware of - such that by invoking an Appraisal/Finance Contingency without the proper paperwork would be unethical and / or illegal. The Buyer did invoke the contingency. We actively tried to make contact with the Closing Attorney and with XXXX XXXX. No effort to engage from XXXX. We did receive a withdraw letter but not a Loan Denial Letter as required by law. XXXX  boss is XXXX XXXX. We spoke with XXXX on XXXX XX/XX/2021. He showed no interest in the situation. He was helpless to support and offered nothing authoritative to inquire as to procedure issues or incorrect advice provided by those under his command. We strongly believe that SECU is incompetently and inappropriately serving its Clients. We arent sure what should be done about it but we are interested in helping others avoid poor communications and bad advice.
Consumer complaint received 2021-07-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

This is another attachment with proof that I sent by mail today XX/XX/2021 another dispute to Experian To remove immediately the negative accounts from my Credit Report Experian is the only agency that isnt willing to collaborate I will present this proves to the judge
Consumer complaint received 2024-11-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

Dear SPS Team, I am writing to address your response regarding the payment of property taxes for parcel number XXXX XXXX and the associated penalty of {$6.00}. After reviewing your explanation, I would like to provide additional details and reiterate my position.

1. Notification of Taxes Due I notified SPS about the taxes due in a timely manner : XX/XX/year> : I informed SPS for the first time about the tax payment. 
XX/XX/year> : I followed up via email to ensure the matter was addressed. 
I have attached the email correspondence as proof of notification. Despite this, SPS did not act on the matter until after I filed a CFPB complaint. The tax was due on XX/XX/year>, and the XXXXXXXX XXXX XXXX allows at least a one-week grace period. This provided more than sufficient time for SPS to process the payment and avoid any penalties. 

2. Property Details The lots associated with this parcel were never merged or divided, contrary to any implications otherwise. The tax block and lot have remained consistent, as shown in the attached Closing Statement and HUD-1 Settlement Statement, which I have included for your review.

3. Disputed Late Fee Given that : I notified SPS promptly of the taxes due.

SPS delayed payment until after I filed a CFPB complaint.

The grace period provided ample time to process the payment.

It is not justified for me, as a borrower, to bear the {$6.00} penalty. Furthermore, during my recorded calls with SPS representatives, I was explicitly informed that I would not be responsible for any late fees since I had provided timely notice. I ask that SPS retrieve and review those call recordings to confirm my statements.

4. Allegation of Predatory Practices The delay in processing my tax payment and the imposition of an unjustified late fee suggest a lack of good faith and potentially predatory practices. Such actions appear to be an attempt to profit off late payments and create grounds for foreclosure. This is unacceptable, especially given my proactive efforts to resolve this issue in a timely manner. 

Request for Refund and Action I request the following : A refund of the {$6.00} penalty charged to my escrow account this is penalty for SPS ' late payment not a fault of the borrower. 

Confirmation that SPS has reviewed the relevant call recordings and correspondence to corroborate my claims. 

I trust that SPS will act in good faith to resolve this matter promptly. Please respond in writing with your findings and any additional information. I look forward to your response within the timeframe required under applicable regulations. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have recently tried several times to correct my personal information with TransUnion, XXXX XXXX XXXX XXXX, my name, address and employer are being reported incorrectly the only one reporting all correct is XXXX. 
The first attempt was via telephone did not work, My second attempt was via certified mail which I included a copy of my XXXX Drivers license, social security card, work ID and a most recent electric bill to both TransUnion and XXXX but as you can see on the documents I`m going to upload they still haven`t corrected the problem and I continue to send them certified letters but as you can tell no progress has occurred. 
I am in the process of obtaining a mortgage and the banks are asking me why do have so many different names or variations of my name. 
I am deeply sadden that a simple task like correcting personal information has become so difficult for TransUnion and I would like to get help in getting this issue finally corrected. 
My name is : XXXX XXXX Not : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX. 

my only address is : XXXX. XXXX XXXX  XXXX. XXXX XXXX, NY XXXX My only employer is : XXXX. XXXX XXXX and XXXX
Consumer complaint received 2021-07-13
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. (NY)

My complaint is 1 Experian didnt have sent me a single report of all my disputes by mail 2 Experian is acting ruthless to my credit report validating inaccurate information is my credit report like a dictator 3 I sent my proves of my disputes to Experian and even not a single report match with any credit agency with many thing they still say that this report is form the furnisher Committing violations after violations to my credit report
Consumer complaint received 2023-01-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (AZ)

My account with square XXXX XXXX was deactivated with no cause. I called to inquire about the problem and was purposely hung up on when asking to speak with a supervisor to help me. When calling back I was told there was so called suspicions activity and that there was nothing I could do and I would need to wait 90 day for any refund. I was never notified that the account was deactivated, I was never given an appeals or a chance to try to correct the problem, if there truly was one. After looking online I see that this is a normal practice for this company and they are accountable to no one. I have over {$3100.00} frozen and no one can tell me why. I have incurred other banking fees and cant pay my employees because of probably some crazy XXXX this company uses.
Consumer complaint received 2021-07-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on credit reporting agencies. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  CAXXXXD Account Number : XXXX This is not mine. 

5. Identity Theft BK OF AMER Account Number : XXXX This is not mine.
Consumer complaint received 2022-12-21
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: Nelnet, Inc. (FL)

I've contact XXXX on an account that was closed due to non-usage. The company closed this account because I didn't use the card on a regular basis. not because of payment. I would like this to be removed it has a negative impact on my credit. 

XXXX XXXX did the same thing back in XXXX XXXX this is also reflecting negative on my report. 

XXXX XXXX closed the account because I wasn't making purchases on a regular this also needs to be removed XX/XX/XXXX XXXX XXXX XXXX another credit card with increase line of credit, and they closed the original account which also affected my XXXX XXXX. XX/XX/XXXX. This need to be removed. Not just XXXX account but XXXX. XX/XX/XXXX This is crazy on their behalf. 

XXXX XXXX XXXX Closed the account for the same reason. XX/XX/XXXX You can see all these accounts have XXXX balances. 
XXXX XX/XX/XXXX also closed for not using the line of credit. 

XXXX XXXXXXXX XXXX XXXX same issue. XXXX balance and closed account XX/XX/XXXX XXXXXXXX XXXX closed when it should reflect account paid in full. XX/XX/XXXX, All these accounts are reflecting my credit score negatively and need to be corrected. 

Department ED/XXXX XXXX  XXXX closed with XXXX balances need to be removed again negative reflection on my credit report. 

XXXX account closed. Please remove. 
All XXXX XXXX XXXX XXXX closed and XXXX balances. Please remove. again negative reflecting on my report. 

Nelnet accounts closed. XXXX balances. Please remove from report. This is very sad and disturbing. Dates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX closed XXXX balance XX/XX/XXXXXXXX XXXX Closed XXXX balance XX/XX/XXXXXXXX XXXX  closed XXXX balance XX/XX/XXXX Please Remove these items that is causing all sorts of credit problems Thank you. I've tried to have these removed with no luck!
Consumer complaint received 2024-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a Bank of America XXXX Visa. In XXXX of XXXX, I decided to accept BoA promotional offer of 0 % interest for a cash advance in the amount of XXXX. The 0 % promo rate ends on XX/XX/XXXX. 

My credit limit is XXXX, and I have about XXXX in credit remaining, so I decided to use the card for monthly utilities ( {$200.00} ), that I would pay off that balance each month in order to avoid interest charges ( like I do on all my credit cards ). 

I paid that month 's minimum payment on the promo balance of XXXX and an additional {$200.00} to cover the new non-promo charges in full. However, BoA still charged me {$4.00} interest charge ( that's 23.74 % interest ). 

When I called to see if I could apply the payment to the new charges or get a refund BoA said no, not until I pay the promo balance in full. Payments can only be applied to the promo balance first, then to new charges. So now I am stuck with the new charges at 23.74 % until I pay the promo balance in XX/XX/XXXX. And I can no longer use the card until XX/XX/XXXX unless I want to pay 23.74 % interest on it! 

This is predatory and misleading! It's designed to bilk interest out of customers even though they are using a 0 % interest promo! BoA needs to offer the payment options that allow monthly payment to be split so that minimum required can go to the promo balance, and the rest of the payment to the new charges, to avoid interest charges!
Consumer complaint received 2023-07-01
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding the theft of funds from my Wells Fargo checking account and the subsequent rejection of my claim by Wells Fargo. I strongly believe that my debit card was potentially cloned, as unauthorized transactions were made using a physically inserted card while I was in a different location. Despite my immediate action in reporting these fraudulent activities, Wells Fargo has declined my claim without providing sufficient explanation. The details of the incidents and claim are as follows : Bank : Wells Fargo Claim Number : XXXX Unauthorized Transaction : Date : XX/XX/2023 Amount : {$2100.00} Location : XXXX, XXXX, California Date : XX/XX/2023 Amount : {$2700.00} Location : XXXX, XXXX XXXX, California Claim Status : On the same day as the unauthorized transaction, XX/XX/2023, I contacted Wells Fargo to report the incident immediately. I provided all the necessary details and filed a claim for reimbursement. However, Wells Fargo failed to provide me with any claim status updates. Consequently, on XX/XX/2023, I contacted Wells Fargo to inquire about the status of my claim, only to be informed that my claim had been declined. 

I would like to emphasize that during the time when these transactions occurred, my debit card was in my possession, and I was physically located in a different place. It is physically impossible for me to have used the card at the mentioned location at the specified time. The fact that these transactions were conducted with a physically inserted card raises serious concerns about the security of my account and strongly suggests the possibility of card cloning. 

I request the Consumer Financial Protection Bureau 's intervention in this matter to conduct a thorough investigation. It is crucial to determine whether Wells Fargo has fulfilled its obligations under the Electronic Fund Transfer Act ( Regulation E ). According to Regulation E 1005.6, I am not liable for unauthorized transactions if they are promptly reported. Therefore, I expect Wells Fargo to comply with federal regulations and reimburse the amount stolen from my account. 


I kindly request that the Consumer Financial Protection Bureau promptly investigates this case to ensure a fair and just resolution. I am hopeful that through your intervention, consumer rights will be upheld, and necessary actions will be taken to safeguard against fraudulent activities. 

Thank you for your attention to this matter. I look forward to a timely response from the Consumer Financial Protection Bureau.
Consumer complaint received 2022-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (FL)

Penn Credit Corporation recently posted a derogatory collection notice on my credit report for the amount of {$430.00}, supposedly on behalf of XXXX XXXX. 

I've never heard of Penn Credit, never had an account with them, and have never been contacted by them. Further, if Penn Credit is indeed a legitimate company, I've not had an account with XXXX XXXX since XX/XX/XXXX and had paid my actual usage balance in full at that time. 

The only prior debt that XXXX XXXX had alleged I owed was from XXXX, and in XXXX I sued XXXX XXXX in XXXX XXXX XXXX XXXX XXXX and it was proven XXXX XXXX was completely unable to substantiate this supposed debt with any evidence or proof. The judgment was ruled in my favor. 

Therefore either this debt collection attempt is outright fraud, or it's XXXX XXXX 's pathetic attempt to collect a debt that was dismissed in court XXXX years ago and Penn Credit Corporation has been lied to by XXXX XXXX.
Consumer complaint received 2022-06-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (FL)

Hello, I need help and am unable to obtain concrete and actional information from Studentaid.gov or my loan servicer, Navient. 

This is the information I need to know it is regarding the announcement here : https : //studentaid.gov/announcements-events/idr-account-adjustment Navient services the following types of loans for me : - FFELP Stafford Unsubsidized - FFELP Stafford Subsidized - FFELP Graduate Plus - Direct Graduate Plus - Direct Subsidized I am trying to understand : - Which of the above loan types are eligible for the direct consolidation referenced in the IDR Account Adjustment news release, such that if they are consolidated, I will not lose credit for the prior payments made on these loans, when it comes to the 20-year loan forgiveness schedule? 
Because the announcement references FFEL loans generally, I can not determine whether and which loans serviced by Navient qualify for consolidation into Direct loans, such that for purposes of loan forgiveness, I do not lose the number of historical qualifying payments. 

When I called Studentaid.gov, I was told to call Navient. I did. Navient told me to submit the question vie email. I did. Their response states, unhelpfully and confusingly, Your Navient held FFEL loans do not qualify ; however, you may consolidate through the Direct Consolidation Loan program to become eligible. 

I sent a request for clarification to Navient, but have not yet received a response. 

Given that failure to consolidate FFEL loans may result in my inability to take advantage of the benefits in the press release referenced above, and given that consolidation of the incorrect type of loans may result in my losing the number of prior qualifying payments ( 10 plus years of repayment in my situation ) for purposes of loan forgiveness, it is very important that I receive accurate information. It is a damned if you, damned if you do not situation created by not being able to obtain accurate and specific information.

I want to consolidate my Navient serviced loans into direct loans, but only if the consolidation will not reset the number of qualifying payments for purposes of loan forgiveness to zero.

I can not obtain clarifying information from either Studentaid.gov or Navient. Without clarifying information, I am not able to make an informed decision regarding whether to consolidate my loans, because I do not know if my loan types are eligible for the benefits referenced in the press release. 

Thank you. XXXX
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On or about XX/XX/XXXX, I had to pay rent and went to withdraw my saved up unemployment benefits on Nevada Bank of America Unemployment Card. I received the error message " Tech Error ''. Contacted Bank of America and was told call Nevada DETR- call Nevada DETR several times stated DETR did not close account, you must verify your identity with ID.me online- Add identity info and still waiting as of today for a solution. I NEED MY MONEY NOW!! I fax BOA Resolution desk with this complaint- BOA need to transfer my government unemployment balance to my XXXX XXXXXXXX XXXX  with direct deposit notice given and sign. I CAN NOT USE BOA UI CARD - THE CARD IS CLOSE AND I CAN EVEN ACCESS BOA UI ONLINE FOR TRUE BALANCE! TRANSFER Balance NOW! 

Nevada Unemployment Insurance Debit Card - Home Page XXXX XXXX What's happening : As of XX/XX/2021, your Bank of America debit card will no longer receive deposits from the NV DETR. Your Bank of America card account will remain active until XX/XX/2021. What you need to do : Prior to XX/XX/2021, you may continue to use your card. If your card expires after XX/XX/2021 it will not be reissued.
Consumer complaint received 2021-07-13
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. (CA)

I had a balance of {$360.00} that I paid all the way off. The company experian updated the wrong information after I had disputed the balance reflected was wrong because I paid it off. I even uploaded the balance paid thank you from a screenshot. The account was in good standing and still is in good standing but not for long. They updated the information putting a previous balance of {$160.00} on it and changing my {$0.00} balance ( that had been updated by the company at the same time the dispute was being investigated ) to reflect {$360.00} again. My balance should be {$0.00} not {$360.00}. Im trying to buy a house and its not looking too good with this on my report. It makes me look irresponsible.