davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Can we please reopen Case : XXXX? 

Wells Fargo claimed they would work directly with my attorney. I gave them two weeks and they have done nothing. When I came back, the claim was closed. Can we reopen? Thank you so much and I apologize, I did not realize it would close without my response. 

I have reached out to XXXX XXXX and XXXX XXXX several times over the past years and have received ( 5 ) letters saying Wells Fargo will respond and nothing happens. 

Thanks again for all of your help. My families life and home is in play and we have been so stressed and eager to resolve this for two years now. 

Kind Regards, XXXX
Consumer complaint received 2020-09-15
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. (LA)

XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date OpenedXXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date OpenedXXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$1500.00} written off.

Account TypeAuto Loan Balance- Date OpenedXXXX XXXX XXXX XXXX  XXXX  XXXX potentially negative icon Potentially Negative StatusNO STATUS. 
Account TypeNA Balance- Date OpenedXXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCharge Card Balance {$0.00} Date OpenedXXXX Dispute Namesshow tooltip buttonSelect as many as apply 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, LA XXXX SINGLE FAMILY XXXX XXXX A XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY
Consumer complaint received 2016-08-17
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

A friend of mine is sending me money and he used a feature of sending money over phone using the Mobile banking feature of BANK Of America where one can send money using the mobile number. 
In my case on XXXX XXXX he initiated {$1.00} test transaction from the mobil banking from his mobile and i received a message from bank of america saying a friend has initiated a transaction and amount will be credited to my account. 
after which i he made XXXX more transaction totaling to XXXX $ and i received Message alerts for all the transaction. 
Now when i check my account i do not see the amount. I called Bank of america and they mentioned at the time of transfer i am not registered with my phone number but someone else is registerd ( maybe previous mobile ph number user ) so when my friend transferred money was taken from his account and was sent to the XXXX person. and currently Bank of america collected all the details and are in process of filing a claim. which if the XXXX person agrees they will refund the amount to my friend. 
If they do NOT agree, i dont get my money back and Bank is not taking liability for this amount.
Consumer complaint received 2016-08-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo filed a foreclosure with the XXXX County courts on last Tuesday ( XXXX/XXXX/XXXX ). A Case Management Conference has been set for XXXX/XXXX/XXXX at XXXX. They have n't even served me as of today ( XXXX/XXXX/XXXX ), but yet " questionable '' summons have been submitted to the courts. My mailbox has been inundated with letters from local attorneys attempting to solicit my business on a matter that I knew nothing about. I tried to get another HAMP modification after my hardship began on XXXX/XXXX/XXXX, but I was told verbally and in writing that I did n't qualify because 2 years had n't passed since my last application. I have reached out to Wells Fargo more times than I care to count and only to be denied further assistance from their rude and unprofessional customer service representatives. I had to go online to find the Homeowner Financial Assistance Form and Hardship Affidavit Form in order to submit my modification packet on today ( XXXX/XXXX/XXXX ). I 'm awaiting a response from their Home Preservation Department.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-02-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BCI FINANCIAL ()

The big picture is that I'm changing from XXXX XXXX to XXXX. XXXX did a correct wire transfer without any problems on XX/XX/2022. The amount was USD XXXX and arrived in my account at XXXX, My problem began when I told them that I was going to change to another bank, and they charged me a closed fee in both accounts ( brokerage and checking ) of XXXX each account also the regular last wire transfer of XXXX, they told me that a las advisory feed needed to be pay, So I paid all my the fees that they required. I gave them the go-to proceed to do the last wire transfer to XXXX, which amount was USD XXXX deducting all charges ; they filled up the form to transfer as usual the problem was that the money never arrived at destiny because of a wrong account number that XXXX XXXX assumes XXXX instead to use the correct form used on XX/XX/XXXX, XXXX the transfer to XXXX passed clean XXXX 
Now to do the transfer, they demand to pay USD XXXX for rejected wire transfer and XXXX the fee to send the last transfer to XXXX again. I have attached emails and documents that explain this issue.
Consumer complaint received 2016-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (AL)

I had to declare bankruptcy 5 years ago. I already had a mortgage with a local bank, but XXXX bought my mortgage, then apparently gave it to their sister company, XXXX ... Every month, XXXX would PLACE insurance on my home. I NEVER had an uninsured home. Now I 'm checking my credit report, and it seems as if my mortgage was under my br, therefore they were being paid double. PLUS ... XXXX it says my balance is XXXX ... and I have still been paying each month ... I have called the XXXX about XXXX last year and now there is a class action lawsuits gains them .... I just want back what is mine, the placed insurance money and the money I have been paying when my loan was actually already paid. Thank you for your help!
Consumer complaint received 2024-10-28
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. (PA)

Amount : {$10000.00}. Please see attached for proof of claim. 

15 U.S. Code 1666b - Timing of payments U.S. Code XXXX XXXX XXXX XXXX owned by XXXX XXXX XXXX ( XXXX ) is in violation of my federal rights by reporting late payments. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. ( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, title XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; amended Pub. XXXX XXXX, title XXXX, XXXX ( b ) ( XXXX ), XX/XX/XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX )
Consumer complaint received 2016-08-03
Product: Credit card — 
Issue: Cash advance fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

This is a follow-up of complaint XXXX. FIA Card Services has never sent me their definition of " cash equivalent '' or anything else. In addition, to harass me further, the last statement included a " minimum interest charge '' of {$1.00}. I owe them nothing and that charge was so absurd that their automated line took it off. FIA cheat and lies and is totally irresponsible. There should be some penalties or they should at least tell the truth. They record their calls so al this can be easily verified.
Consumer complaint received 2023-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (IN)

Dear Wakefield and Associates, I am writing in regards to a collection listed on my XXXX credit report. The collection is dated XX/XX/2020 and is for XXXX I am disputing this collection. I have not made any payments on this debt and do not recognize it as mine. I was not aware of this debt until I recently reviewed my credit report. 

I am asking that you verify the accuracy of this collection and provide supporting documentation to validate the debt. If I do not receive a response within 30 days, I will consider this debt as invalid and request that XXXX delete it from my credit report. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America is charging me without my consent to various entities XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had made all these payments with my balances that to date I had in my different accounts that I have with said entity The XXXX XXXX entity tells me that these payments were already made and on XX/XX/XXXX they disconnected my telephone lines and they tell me that I have balances for XXXX Bank of America tells me that I have balances with them XXXX I don't know what is happening with my accounts and my money that I had on the different dates that all these transactions were made this happened on the dates from XX/XX/2023 to XX/XX/2023 where the entities reported that they had problems with the balances of the majority of clients where we received messages that they are obtaining information without authorization from said entities there were news in various media where they said that the accounts Balances went up and down from Bank of America and they sent me that I was in negative balances when at no time did I have negative balances with them nor have I ever obtained them with the entity.
Consumer complaint received 2023-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WA)

I am sending in this complaint against Wells Fargo, because I feel that they forced me out of my home in 2017 by consistently sending me foreclosure documents and I was trying too keep the roof over my head while dealing with health issues. And due too the amount of stress that Wells Fargo had subjected me too. I asking for assistance regarding this matter.
Consumer complaint received 2015-08-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NJ)

In XXXX, I took out an auto loan with Santander Consumer USA. In XXXX XXXX, I filed chapter XXXX bankruptcy. Although the car was not included, the loan was listed on my schedule of creditors and somehow an amount equal to XXXX payment, {$390.00}, was included. So the trustee sent them small payments throughout my plan. In XXXX XXXX the loan was paid off, after which time the trustee sent Santander another {$91.00}. I called Santander and they said they could not refund that to me, that the trustee had to request. I called the trustee and they said no, Santander owed me a refund. They refuse to send me that money. Since the loan was paid off, I do n't even know what loan it would 've been applied to. They also have not reported this loan to the credit bureaus. Since it was never late, it would greatly help my credit score. 
I took out a new loan with XXXX in XXXX XXXX. This obviously had nothing to do with the Chapter XXXX, but a few months after taking out the loan, they flagged it as being in bankruptcy. Because of this I have no access to my account online to make payments, see the balance or even request a payoff. And again, this is not reporting to the credit bureaus. I called and they said even though the chapter XXXX was discharged in XXXX and the loan was not part of the bankruptcy, the loan would stay in bankruptcy status for the full 6 year term. I worked for XXXX 15 years ago, and putting someone into or out of bankruptcy status involved clicking a button. Santander owes me {$91.00}, they need to take my current loan out of bankruptcy status, and report both of my loans to the credit bureaus.
Consumer complaint received 2015-12-17
Product: Credit card — 
Issue: Delinquent account — 
Company: Continental Finance Company, LLC (CA)

Continental Finance Company took advantage of me by taking DOUBLE Monthly Minimum Payments from me for months and only allowed double payment ( on-line payment and by phone when I checked to see if minimum for each month was being received by CFC. We I found out by looking at XXXX 2015 Monthly Statement CFC was actually receiving {$70.00} and not the agreed upon {$35.00} I contacted CFC to ask and was told to turn off auto pay and I would not suffer late fee or other penalty while the matter was being fixed and that I would be refunded for XX/XX/XXXX double Minimum Payment received by CFC. I was told I could use the Refund for XXXX 2015 payment. I have not received a Refund and CFC still charged me with a late Fee. I have never been late with a payment. My account with CFC is now Delinquent. I contacted my bank XXXX for help to stop double payments going to CFC. I think I was being double charged Interest for each double Minimum Payment I made. XXXX Contacted CFC. That same day or the next my account was charged late fee and is now somehow delinquent. How can my account be delinquent when I never missed a Minimum Monthly payment? On one or two occasions CFC applied the Doubled Minimum Payment for the next months payment, like XXXX XXXX and other well known Creditors do.
Consumer complaint received 2023-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I was in a income repayment plan before Covid and they were also taking my income tax returns and garnishing my wages. When I asked after all the years my loans were being paid with my income tax returns as well as a garnishment they told me nothing was applied that i was only paying interest. After 10 years of income tax being taken at {$2000.00} to XXXX a year nothing was ever applied. I asked for a breakdown of where my payments was going and they can not supply me with that information and now they are telling me they will start to garnish my wages at the end of the month. Help me to please get to the bottom of this. I want to see the payments they took over all these years and where they were applied to. I have been dealing with Navient and now one loan is in default with a collection agency that wants to garnish my salary. I want to start to pay them off except i need the proper paper work with the correct figures. When I go to the XXXX XXXX XXXX located in Texas with a contact number of XXXX, they tell me those garnishments do not get applied to my loans it pays for interest only. Please help Regards XXXX XXXX XXXX
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (MI)

Comenity Bank Forever 21 did not provide me with adequate privacy disclosures required by law. Therefore, I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. I have a right to opt out of my information being shared and hereby do so. The Gramm-Leach-Bliley Act limits your ability to share my personal financial information with certain non-affiliates. I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete your account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I may have had with your company. You have failed to clearly and conspicuously disclose to me that my financial information may be disclosed to a third party. I was not given the opportunity, before the time that my information was initially disclosed, to direct that such information not be disclosed to the consumer reporting agencies. Lastly, I was not given an explanation of how I could exercise the nondisclosure option. DELETE the tradeline that you are currently reporting to any consumer reporting agency. Failure to do so, once this notice is received, will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.
Consumer complaint received 2023-01-24
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: TRUIST FINANCIAL CORPORATION (FL)

XX/XX/XXXX My home, car, and possessions were destroyed in hurricane Ian. I immediately contacted Regional Acceptance of the natural disaster. They informed me that even though the principal of the car was Satisfied they would still be charging me penalties and interest in the sum of XXXX and they would extend my payment until XX/XX/XXXX. That didn't happen instead reported it late. Strong holded me to sign a new agreement for a car that towed away destroyed by mechanic. I asked for a reasonable compromise. They offered me XXXX as apposed to XXXX for three more years for a car that doesn't exist. I have no car I have no home. I wish to remove this car from my credit report and to settle this with the lender. Whose clearly become a predatory lender seeking to take advantage of my weakness. The car insurance comp and collision insurance wasn't on the vehicle. They didn't notify gap when they extended my contract so they won't cover it either. The vehicle was purchased XX/XX/XXXX the principle was paid XX/XX/XXXX. At 18 % percent interest. This is damaging my credit profile and I need this removed.
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

In accordance with The Fair credit act XXXX account number 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, has violated my rights. 15U.S.C section 602A. States I have the right to privacy. 15U.S.C sec1681 604A section 2 it is also States a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: ALLY FINANCIAL INC. (OH)

Checks were stolen and used to open a bank account with Ally Bank. i have contacted both Ally and XXXX and Ally bank continues to deny receipt of my funds from the checks I am attaching. I have submitted these to XXXX fraud team via email and text message and am ignored each time ( at least 5 times ) always being told that I can submit this proof and they will see what they can do. I have been reporting this since XXXX of XXXX and have since verified my own identity and gained access to whatever accounts are at Ally bank, but have not found any with a balance and none of the accounts match the account numbers on the back of attached checks. I dont understand how a bank can LOSE {$29000.00}, however Ally has repeatedly told me on EACH OF THE XXXX separate occasions ( including XXXX conference calls with XXXX XXXX that they never received these funds, having flagged them as suspicious, however, the stamps on the back of the drafts and the removal of funds from my account would say otherwise.
Consumer complaint received 2023-01-24
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

on XX/XX/2022 I sold my house and mortgage was paid in full and satisfied. my credit report shows account was closed and a balance is still due in XXXX. I want my credit reports to show mortgage has been satisfied and paid in full, not closed. I tried to contact the company but they say I don't have an account with them I tried to contact Experian, XXXX and XXXX and they said i need to speak to the lender, who will not help me. Attached you will find the letter of satisfaction and the date in which they received payment.