davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-15
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

I applied for a loan with my bank First Citizens Bank based in XXXX, NC. I went into detail concerning my background, provided documents of adequate income, and explained what could be interpreted as errors on the credit report. I had special situations from one event nine years ago that placed several negative events on my credit report that looked like numerous situations. I had no current debt. They denied me for the loan due to an " open bankruptcy '' and stated " when that is closed we can re-evaluate it and help you establish a credit history ''. I replied that I did not have an open bankruptcy. There was one that showed on the credit report of some agencies which was withdrawn after filing and it is listed as " dimissed '' - it never happened. I requested the specific reasons why it was denied and what I had to do to get an approval under their system. They never replied back to me. They have never sent me the written notice after 30 days notifying me my loan was denied, the reasons for denial, what sources they used for the denial, and my rights under the Fair Credit Reporting Act. I called to the main credit customer service phone line that interacts with the underwriters and asked to appeal their decision and talk directly to the underwriter to explain this, and was repeatedly told it did not make any difference. Whatever the credit report said was what they went by. Until the credit report said something different, they were not approving any loan and I could not appeal to an underwriter. This is wrong. I need to have some credit in order to get my credit score up. I have no debt and no credit cards or commercial loans in the last 7 1/2 years, while also running a business. I need to get this personal loan, a credit card and auto loan to start having a payment history built up which would raise my FICO score to allow me to get a loan.
Consumer complaint received 2016-09-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

First of all, my mother sold her furniture business overseas and collected XXXX XXXX dollars and deposited the monies in Wells Fargo ( XXXX XXXX at the time ) before she passed 15 years ago. As the years went by, my Father suffered XXXX SINCE of my mothers death. My sister who was once a XXXX ( XXXX XXXX ) over 20 years ago became a " XXXX '' at XXXX today. My father who suffered XXXX in his XXXX was in the hospital and XXXX. As ME being the POA and the Administrator of my fathers estate, my sister before he died a few years back seen the former co-worker aka XXXX XXXX at the XXXX XXXX Wells Fargo to make a fake account in her XXXX sons name and had stolen over {$300000.00} AFTER his death, and over XXXX was taken from the Widow using HER Name, NOT HIS. I 've hired an Attorney to overlook the case WITH the Evidence from a subpeona to Wells Fargo to PROVE Wells Fargo uses FAKE accounts to attach to innocent bank accounts to STEAL funds from the elderly/XXXX. Wells Fargo REFUSES to answer the question on WHY it was done AND XXXX XXXX to whom I scheduled 2 appointments to speak to never showed up to the appointments to EVADE from the FACTS on WHY she did that with my sister. The BOTH knew my parents and MY financial business to STEAL when a Father was in XXXX and used the POA to stel the monies AFTER his death and continued for a year later AFTER his death. My Attorney advised me to communicate with this site to see HOW Wells Fargo is an unfit business to our customers. The sister stolen the savings, checking, AND Investments accounts with an ILLEGAL POA after my Father passed on XXXX XXXX, 2014. She emptied the savings, checking, AND the investment accounts ILLEGALLY per Wells Fargo 's evidence sent to US!!! The other Wells Fargo employee XXXX XXXX Notarized an Illegal Deed for my other sister to obtain the Estate Illegally when Wells Fargo DOES N'T DO Deeds with their Employees!!!! XXXX
Consumer complaint received 2016-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XXXX XXXX I submitted a complaint concerning a mortgage loan with Bank of America. 
I would like to submit additional information I received after XXXX XXXX, 2016. It involves a letter from BOA concerning collateral and insufficient funds. 
The documents I am providing will show BOA claims to be untrue. The banking statements will show there was adequate funds available.
Consumer complaint received 2017-02-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ALLOCATED BUSINESS MANAGEMENT LLC (IL)

The bill collector originally called my father and the message was passed on to me that this person keeps calling even after my father communicated that it was wrong number. 

I called office and someone just answered with " hello. '' I had communicated that someone was trying to call me and that I did n't know where I was calling. The female then transferred my call to the collector. 

I gave the gentleman my name and told him that they needed to remove my dad 's number from their system. He then cut me off and asked if my dad 's name was XXXX. I did n't want to give my dad 's info so I did n't answer and told him to take out number. The collector then said " Your father said he did n't even know you, just thought you should know that. '' I was taken back and asked what the point of his statement was and he just said " well, just thought you 'd like to know that he said that. '' Then he asked me if I remember seeing a Doctor back in 2015. I said, " I saw a lot of doctors. '' Then, without even verifying any more info, he completely disclosed what the bill was, who it was for and asked how I wanted to pay it. I said " Yo 're not even going to verify last 4 of my social? '' He then replied " you already verified yourself as XXXX but I have the full thing in front of my face '' " Last four XXXX and then gave me my birthday ... Then asked again, how I wanted to pay the bill or was I refusing to pay. I explained that he did n't give mini miranda or call disclosure and did n't properly verify my info. He laughed and asked if wanted to complain to a manager. I agreed and spoke to manager. Again, without disclosing who I was, he tried to get me to pay my bill. They did n't verify anything or disclose anything.
Consumer complaint received 2015-08-21
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (FL)

I applied for a credit card with Wells Fargo and was agreed that my interest would be 10 percent after two yrs. After the two yrs passed i noticed the company charges me 20 to XXXX percent interest. I notified them in requesting to close the credit card account and they refused. Note : I made on time payments on my credit card and have n't had any missed payments. I need assistance in fixing this because its damaging my credit and with me paying on time they still put me in collections.
Consumer complaint received 2015-08-20
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I notice tonight that my Credit report had a hard injury on it that I know nothing about. The company is XXXX XXXX. I did n't try to get a loan with this compay. Could you please get this checked out for me.
Consumer complaint received 2015-08-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

XXXX XXXX, XXXX XXXXTransUnionXXXX XXXX XXXX, XXXX XXXXCase Number XXXX XXXX XXXX, 2015 I received a letter from XXXX XXXX XXXX XXXX XXXX regarding the recent cybersecurity incident and that my personal information may have been exposed. In the process of attempting to sign up for the credit monitoring service with XXXX XXXX XXXX XXXX, I was unable to register for the service because your company shows me as " deceased ''. 

The XXXX staff instructed me to contact your company which I, also, did on XXXX XXXX, 2015. During that conversation with a person named XXXX, I was instructed that I needed to confirm my " non-deceaseness '' by providing a copy of my Social Security card and Form XXXX. You will find the requested information enclosed. Please correct your records to show that I am still among the living! XXXX informed me that I needed to contact the " Social Administration Department '' for a XXXX. I queried him a couple of times as to what and where I was to find contact information for said Department. So with those incomplete instructions, I decided to try the Social Security Administration, which is the Agency I needed to contact for XXXX. I suggest you have your employees read the entire screen during their contacts to ensure that all of the necessary information gets passed along. 

I inquired of your employee when, who and how I came to be shown as " deceased '' in your company 's records. He could not provide any clarification to my questions. I want an answer in writing with the details of the how, who, and when of the reports you received changing my living status to " deceased ''. It is incredulous to me that with the click of a few buttons in your data base showing me as " deceased '' should become an issue that I have to fix!!! 

Your immediate attention to this issue is vital. And provide a written notification to me that you have corrected your error. I can not enroll with XXXX credit monitoring until my status of " deceased '' is changed to " living '' in your data! 

With quickest regards, XXXX XXXX XXXX XXXX ) CC : Consumer Finance Protection Bureau
Consumer complaint received 2015-08-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

noticed that my credit scores continue to drop. See attached documents from XXXX. Nothing received from credit agencies on why scores continue to drop. 
Continues to have a devastating impact on credit worthiness. 
Attached documents submitted to support case numbers XXXX ; XXXX ; XXXX. 
These scores could prove negative, when decisions are to be made on a recent request to refinancing VA loan. Continues to have a devastation impact.
Consumer complaint received 2016-04-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I would like it to be easier and less of a headache to change/add/subtract personal/important information having to do with my credit reports, credit information and possibly even my credit score! We are in the 21st century, the digital age, so why ca n't things be done digitally or possibly even maybe a little lower tech, and get it done over the phone??!!
Consumer complaint received 2015-08-21
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (ME)

I recently got my credit report from Experian using the federal website to receive annual free credit reports from the XXXX agencies. While doing this I also chose to purchase a one time credit score from Experian, or so I thought. Now Experian is charging on a recurring basis for what appears to be credit monitoring, or at the least the ability to monitor my credit score and report. It was not clear from the website that I was purchasing a recurring service or that there would be a recurring fee for what I was selecting.
Consumer complaint received 2016-09-15
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (AZ)

A number of Wells Fargo bank accounts and other WF products were opened by XXXX XXXX and other Wells Fargo employees at multiple Wells Fargo locations without my consent. I want a full investigation as to determine how many accounts were opened, including all Wells Fargo products, why and how did this happen. I want the money returned that moved through these accounts and all WF Fees creditied. I also need an identity theft letter from Wells Fargo and compensation for costs incurred as a result of WF staff using my name and identiy to open accounts. I want a full investigation please.
Consumer complaint received 2017-02-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc (IL)

I started receiving calls from Ad Astra Recovery in the beginning of XX/XX/2016 in regards to an alleged debt owed of {$730.00}. I had no idea what was going on so I sent multiple of dispute letters starting in XX/XX/2016 until now. Astra Recovery simply ignored my request for validation. They were reporting to all XXXX bureaus ( XXXX, XXXX and XXXX ) of this debt. In an attempted request for validation notification of this debt, Astra Recovery has failed to send me any proof of validation per law. It 's now been 9 months. In review of my credit report within those 9 months, all Astra Recovery stated was that account was disputed by consumer and met FCRA requirements. 
Astra stated that a validation letter was sent to me along with 9 other letters. I never received a validation letter because if that was the case I would have disputed it the moment I received it. I 've attached a copy of one of the letters that I actually received of which Astra states is part of the validation only per law states otherwise. 

Astra states they will send the validation again but have not yet to receive it. This ignorance of request for validation has gone on for almost a year and per law needs to be removed from the credit bureaus.
Consumer complaint received 2017-02-16
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I went to XXXX XX/XX/XXXX to purchase my second vehicle. I filled out an online application and specifically said in the comments section, I only wanted my credit ran with the company that I previously used during my last car purchase. I repeatedly told the car dealer I did not want my credit ran more than one time only. After getting the call that I was denied, I viewed my credit report and saw that they had ran my credit over 5 times. During further investigation I found out my last car purchase there back in XX/XX/XXXX, they ran my credit 10 or more times against my wishes. I repeatedly called the car dealership and still have not received a response from the general manager. So I called corporate and still have not received any call back. I contacted the companies they ran my credit with, and I was advised to file a complaint. I even sent a certified letter to the dealership, and still no response.
Consumer complaint received 2016-09-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CommonBond, Inc. (MD)

I refinanced my loans back in XXXX for a lower rate. At the time of origination I completed the paperwork for auto payment of my loans. Doing so would lower my rate by .25 %. The lender contacted me in XXXX saying my account was 2 month deliquient and I would be responsible for late fees and other penalties for non payment. At that time I submitted a payment for the full amount due and signed up again for auto payment. Just today I received a notice saying I was 2 months late and they were going to assess late fees and penalties. I contacted the company and they said they never received the auto payment paperwork. I have sent them the back up document but I am concerned about the late fees they are assessing on my account and the .25 % I am due for having signed up for auto payment in the first place. Please note on the website it shows I am enrolled in auto payment. 

Additionally when I originated the loan I received a letter from a services stating that my loan amount was twice the amount borrowed. This has since been resolved but was a serious concern at the time. 

Finally, looking at my online statements I never received any communication in XXXX in the form of a statement. I would expect this to be common practice.
Consumer complaint received 2016-09-29
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX I defaulted on a mortgage loan number XXXX. On XXXX a fourclosure complaint was filed. The property than went to final judgement and the house was actioned off. The original servcer of the loan was XXXX XXXX Mortgage, Than the servicer was switched to Countrywide home loans and than to Bank of American N.A. I defaulted on this loan well over 7 years ago. Bank of America is still reporting this negative information on all XXXX of my credit reports. This are reporting complete different time dates and defaults on each credit report. Basiclly they have no idea when the default accured because the loan was transfered so many times. Attached is proof that tha default accured over 7 years ago. You can clearly see this on older credit reports i have also inclosed,
Consumer complaint received 2016-09-15
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NY)

American Express ( " Amex '' ) arbitrarily and fraudulently revoked XXXX American Express Membership Rewards points ( the " Points '' ) worth in excess of {$1000.00} from my credit card account without authorization and in violation of the terms of my cardmember agreement. Amex representatives had previously verbally confirmed to me that the Points would not be revoked from my account and Amex is currently refusing to honor the explicit promises made by their phone support agent. 

Full issue : I was approved for an Amex Platinum credit card on XXXX XXXX, 2016. My account was opened under an offer to receive XXXX Points after spending {$3000.00} within three months. The value of the XXXX Points is at minimum {$1000.00} based on their ability to be redeemed for credit card statement credit. I fulfilled all offer requirements with a total spend of {$5900.00} from card opening to XXXX XXXX, 2016. 

Since I had fulfilled the offer requirements, Amex deposited XXXX Points into my account on XXXX XXXX, 2016. Independent of this complaint and based on the benefits of the Amex Platinum card not meeting my expectations, I decided to cancel the account on XXXX XXXX, 2016. Before cancelling the card, I called Amex customer support and explicitly asked whether cancelling my account would result in the loss of the XXXX Points. The agent explicitly assured me that they would not, especially because I have other Amex card accounts open. Relying upon these statements, I decided to cancel the card. 

On XXXX XXXX, 2016, Amex arbitrarily and fraudulently removed XXXX Points from my account. There was no rationale provided to me. I called support to inquire and was told that this was a " corporate decision '' relating to my cancellation of the card which could not be overturned. 

The removal of the XXXX Points was fraudulent. There were no stipulations in my original agreement regarding revocation of Points in this situation. Additionally, the Amex representative explicitly promised that my Points would not be revoked upon cancellation and Amex should be bound by the promises made by its agent. 

If Amex is allowed to take away Points arbitrarily in cases like this, what is stopping them from taking away all of my Points or arbitrarily adding charges to my bill? Thanks for your help in resolving this matter.
Consumer complaint received 2017-02-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I am working with SLS and trying to get approved for a short sale. They are requiring my Real Estate Broker and Escrow Office to show a credit to them for proceeds received at the close of escrow in an impossible manner. My Real Estate Broker has tried to resolve the issue with their management but to no avail. If this short sale is not approved, the only other option available is foreclosure and I want to exhaust all avenues before that happens.
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

Lowered my credit score from XXXX to XXXX for no reason. After corrections to my report, my score rose to XXXX and now without any new information it was lowered. I have paid my credit card and car, my report should be gradually getting better. It is a systematic way to slander one 's credit score.
Consumer complaint received 2016-05-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Automated Collection Services, Inc. (AL)

To Whom It May Concern, I was garnished again for 15 % of my paychecks for XX/XX/XXXX and XX/XX/2016 by Automated Collection Services , Inc. in XXXX, TN. I did not receive notice of garnishment from ACSI, and the garnishment took be by complete surprise. 

I repeatedly told ACSI reps that I could not afford the amount of this garnishment. I even faxed over financial records showing that I could not pay essential bills ( rent, utilities, etc. ). ACSI and I then had a written agreement with ACSI to have my garnishment reduced to 5 %. However, I contacted my payroll department this morning and the director of payroll replied they did not receive a fax from ACSI for this reduction, and I was garnished at approximately XXXX % again. 

As I have tried futilely to discuss with their reps, I can not afford the amount at which I am being garnished. It is crippling me financially, rendering me unable to pay my essential bills. I contacted ACSI and I was transferred to someone calling herself XXXX XXXX. XXXX XXXX mocked me. After telling her I was being crippled financially by the garnishment, she said then I could pay the full balance in lump sum or settle for thousands of dollars. Well, if I ca n't afford to pay hundreds of dollars, how can I pay tens of thousands of dollars at one time? Why would someone representing a company mock someone who is financially destitute? Is it common practice by companies to tell people who can not afford to pay hundreds of dollars each month to tell them that they can pay tens of thousands in a lump sum which the representative would know that that person can not pay it? The only reason to say such a thing is to mock and humiliate a financially destitute person. 
Second, they claim they can not relinquish the garnishment. However, they have that option ( as evidenced by a complaint that was resolved on the XXXX website and by common sense -- they hold the debt -- no one is forcing them to garnish me at the rate they are ). I have no problem making payments, but not at the amount they are demanding. I simply can not afford it. 
Plus, I offered to consolidate the loan with my other loans which are in good standing. They refused because they told me that because they had the garnishment they did not have to. 

Had I received a notice of garnishment, I would have been aware of the debt, which I assumed to be in good standing with my other student loans ( that is the only reason it went delinquent ). And, thus, I would have contacted XXXX ( the originator of the loan ) or ACSI and handled it before being garnished. 
From my understanding, I am supposed to have received a notice of garnishment, and I also do not think that belittling consumers for not being able to pay is something that ACSI 's employees have the right to do.