davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (PA)

I applied for Income Based Repayment with AES for the 8th year in a row, and they did not apply it to my account. They have now capitalized the interest and sent me a past due notice. They are doing this so they can capitalize the interest which was pending due to my IBR status, then they can charge more interest due to the increase in the principle. I applied for IBR well within the time frame to prevent the capitalization event. They are doing this to get around the IBR rules and is Fraud! They tried to do this last year and I corrected the error then, but this is a course of business and has happened to several of my friends. This needs to stop, and is contrary to the law!
Consumer complaint received 2016-11-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

I have submitted Re-Entry documents to Wells Fargo for an FHA modification with an income that would more than qualify me. With the help of a HUD Consultant, I was able to do a proper analysis that showed I would qualify. Instead, Wells Fargo showed inaccurate and false numbers to disqualify me from Re-Entry to be approved for an FHA modification. The representative I spoke with in regards to the status of the Re-Entry was very unprofessional and initially refused to give me her name and ID #.
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I sent letters disputing my accounts on my Transunion Credit Report. Company stated that status was sent via email. I asked what email address they had and they responded they did no have an email address for me. They have not sent anything verifying my signature for any of the debts I disputed.
Consumer complaint received 2016-11-08
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FM)

I used a Bank of America ATM on XXXX XXXX to make a deposit and a week later my debit card was used at a XXXX ATM approximately XXXX miles from my home. I notified Bank of America immediately that my card was in my possession as well as notifying them that I did not make the transaction. Throughout the process of the fraud claim I had representatives review my account history, notifying them that this debit card is only used possibly 1-2 times a month. My initial 2 attempts were denied for the fraud case. I 've worked in the banking/finance industry for over 7 years and am aware that ATM machines have been targeted for phishing or skimming attacks. The bank is claiming to do research and is holding me accountable for a balance inquiry fee, 2 ATM withdrawals and ATM fees that total to {$400.00}. Per my account history I only pay bills from the stated account and would not check my balance at a non bank ATM plus do multiple withdrawals that would cost me additional money. I initially sent my request to the XXXX and was referred to submit the inquiry here. I 've been scammed by someone or possibly the bank and as a consumer this seems to be advantageous for a bank and a nightmare for a customer.
Consumer complaint received 2016-11-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CL Holdings LLC (TX)

I have disputed this account on my credit report that is showing " Jefferson Capital Systems '' from XXXX and the CB 's removed the negative remark due to them not investigating within 30 days. I have since then received a paper in the mail stating they are the owner of the collection account. I have notified them through the Credit Bureau that this account was due to identity theft and is not mine. They continue to report on my credit after the CB removed it. They also continue to collect even after telling them this is due to identity theft. 

I have provided a copy of my police report showing identity theft.
Consumer complaint received 2016-11-08
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

I was applying to Citizens Bank/Citizens XXXX XXXX XXXX XXXX XXXX, RI XXXX for a loan in reference to the XXXX, as per : XXXX The XXXX Upgrade Program is financed through : Citizens One Subject to eligibility* I applied in store on XXXX XXXX 2016 - was denied, due to the XXXX employee mistyping information. The employee did n't verify the information so I was declined loan, I waited 75 minutes and called Citizens One to get a case started to resolve the issue, was given a dispute number.. I wated the requiste days, and was told that CO Bank would reach out to me. They never did, so I engaged again only to be told they would reach out within a couple more days. I had to have the agent send me an email to verify they would. The agent gave me my needed details. I waited, no call so I engaged again and the next agent didnt seem to know what I was calling about. I gave my dispute number and they seemed to think I had just started calling ; after I got her manager I was able to get some details. The department that handles the disputes for this issue ( ironic they need one ) had a decision just no one called me. So I had yet another manager level agent send me an email guaranteeing that the bank would contact me ; but at this point realised the fact that I have to have the company email me to ensure they stay honest sort of scares me a bit.
Consumer complaint received 2016-11-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

Ocwen Loan servicing has now sent me another set of duplicate responses to my previous claim in which I requested that Ocwen send me copies of the document they say they filed with the County. 
It really amazes me how a financial situation can openly mock the system. 
Ocwen has sent me a release that was issued against a different apartment I owned up until XX/XX/2015. Which by the way, the crook investors Ocwen represents, grossly took away from me. 
Now investor and/or Ocwen wants to claim that that is the document they filed for apartment XXXX??????
Consumer complaint received 2016-11-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (NV)

My Barclays credit card went missing, I explained this many times on the phone and sent many faxes they requested and in the end they now stick me with the bill. I did n't buy anything and I 've never heard of most of those places. I talked to some arrogant guy on the phone and he said they had me recorded saying it was n't fraudulent charges a tthat time, but that caller was n't me. 

Anyway I did n't make any charges on my Barclays Mastercard since XXXX XXXX, and I 'm billed something like {$6000.00} I will of course never pay and I get bad credit because of the incompetence of Barclays.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-04-08
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I received my Bank of America Travel Rewards credit card back in XXXX of XXXX. I wanted to wait a couple months to activate my card, so I called and verified that if I wait a couple months, then I 'd still have 90 days from the day of activation to acquire my XXXX points. The customer service rep that I spoke with verified. XXXX/XXXX/XXXX I activated my card and they said I have 0 % interest till XXXX XXXX. I called today to see if they could extend the 0 % interest to 12 months from activation, but they told me no. I said that I 'd like to verify that I still have 90 days from activation to acquire the XXXX points and they told me no, that it was from the day the account was created and not activated. I was misinformed by the representative that I spoke with back in XXXX. I 'm upset about being given the incorrect info back in XXXX, so I asked to speak with a manager, so I was transferred to XXXX XXXX from the West Virginia call center. He told me there is nothing he could do and that that no one would be able to adjust this for me. I explained I was upset about being told the wrong info when I called in XXXX and that this makes this Travel Rewards card useless to me. I told him that I was going to file a complaint, but he said there is nothing that can be done. It 's disappointing about the 0 % interest is from the date of opening the account and not activating, but I 'm upset about being told the wrong information about the XXXX reward points ( the whole reason I got this card ). If nothing can be done, then I might as well just close this account.
Consumer complaint received 2016-04-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

At Bank Of America, I have had my personal & business checking account assessed with several NSF/Overdraft fees, since XXXX continuing into XXXX inspite of the fact that I was told the checking account has been linked with Bofa Credit card to avoid any fees and I covered the deficiency balance on numerous occasions the same day. Inspite of everything I have done to avoid getting hit with these fees, the account keeps getting charged with these erroneous fees. I contacted the personal banker, XXXX XXXX XXXX for this issue ( See email excerpt below ). I can not afford these fees as I 'm already struggling financially and being a long-time bank customer, and have maintained account in good standing. I 'm not getting any assistance from the bank for this issue. 

From : XXXX Sent : Friday, XX/XX/XXXX XXXX To : XXXX Subject : RE : NSF fees Hello XXXX XXXX Thank you for reaching out to me thru email. 
I did send the request already for your refund credit. As soon as I get the response from the request I will contact you. 

Thanks! 


XXXX XXXX Relationship Banker boa_logo XXXX CA XXXX Ph : XXXX Fax : XXXX XXXX From : XXXX XXXX [ XXXX ] Sent : Friday, XXXX XXXX, XXXX XXXX To : XXXX, XXXX Subject : NSF fees XXXX, Nice to meet with you last week for the NSF fees. 
As of now, I still have not seen anything come through yet for credits.. 
Can you please let them know that my accounts were not linked to the Bofa Credit card and also I was not aware of the depositing funds the same day in the account..Main thing is that I was told to open the card to avoid NSF fees and yet I 'm being charged on my Bus acct - XXXX & Personal account XXXX 

Thanks! 

Best Regards, XXXX
Consumer complaint received 2016-11-07
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (TX)

Customer ID : XXXX CNU Cashnet calls my phone 6 times a day i have my phone log save constantly harasses me. I am on a credit management plan and they do not want to wait for payment. She keeps harassing me to borrow money to pay them. She has called my work phone several times and I advised her not to
Consumer complaint received 2016-04-08
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE (CA)

I applied for a credit card with one of those hand written applications on a plane flight. 

I never heard anything from the carrier or the credit card servicer. I figured that for some reason the application was denied. After several months I found that my credit score had dropped. I obtained a report. Apparently the credit card company ( Barclays of DE ) had opened a credit card and account in my name without my knowledge. When I contacted Barclays on XXXX the agent verified that the address and email address on my account were both wrong. Apparently XXXX gives Barclays these hand written applications and the people transcribing them to digital application often transcribe incorrect information. He also mentioned that the company had tried to contact me by mail only and all letters were returned. In spite of this Barclays still opened a credit card account in my name, knowing they would be unable to contact me about this account. Three months earlier the company had charged an annual fee to the card. The account was now closed by the company but a past due balance was still remaining that had since had a negative impact on my credit score. My score dropped XXXX points in a month and now I am having difficulty applying for housing in the new city I moved to. What 's more I feel like opening these kinds of accounts knowing that they are unable to contact the account holder is a major financial security risk. If someone had gotten ahold of this card I would have no way of knowing obviously but additionally Barclays would have no way of contacting me about the fraud. 

When I contacted Barclays, all they could offer was a mailing address where I could send a paper letter. Apparently the account and situation would then be reviewed and it could take up to 30 days for the company to make a decision on whether they would contact the credit bureau. These are unfair, unsafe and predatory practices by a XXXX company on and American citizen.
Consumer complaint received 2016-11-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Collection Bureau of America Ltd. (SD)

My name is XXXX XXXX XXXX Collection agency collect me payment. 
Because first time i open my credit report i saw collection there. 
I called collection company asked them what is goin on. 
They you have pill form charter communication which you did not pay. 
I told i only had service with one year ago and already paid to them every penny and even gave them back their equipment. 
They said it is yours if you pay now we remove just pay it. 
I gave my debit card number. 
After that i confused search more information i disputed my payment called them sent dispute to my bank. 
I asked them to validate. 
They sent me validation letter which is absolutely different person and different name with slightly similar to my name. 
Address of the service if different. i called them i explain everything they said you pay why yoy callingthey and they cutt of the phone. 
I can proof everything that they mistook me for someone else. As i was n't living there moved a year ago and never lived or had service the address of the service they provided.
Consumer complaint received 2016-11-08
Product: Other financial service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In looking to exchange foreign currency, I found that Bank of America publishes one rate on its website available to public viewing ( a very favorable rate for the consumer ) and an entirely different rate on its account holders-only website when one logs in to actually make an exchange ( a much less favorable rate ). One can not order the foreign currency through the open-to-the-public site ; orders can only be placed once logged in. Even now, the rates shown in real time across the two website are significantly different ( a difference of approx. 15 % ). 

In short, I was baited by BOA 's favorable rates published online, and I went through the trouble and expense of opening an account in reliance on that rate. Once an account holder and able to actually place an order for the foreign currency, I was shown the significantly higher rate.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2016-11-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo has claimed a payment of mine has not been made due to a mobile payment being attempted with incorrect account information. I always conduct on-line bill payment, and for the payment in question, I provided proof from my bank that funds were received on-time. Since then, several months have continued, and late charges are being assessed. In my attempt to resolve this, I have been in contact with XXXX people and no closer to admitting Wells Fargo was at fault. My case was re-opened after I disagreed with the first conclusion, and now a new case worker is starting the investigation process all over again. Unbelievable!
Consumer complaint received 2016-11-07
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TX)

Bayview Loan place a force insurance on my home loan while I had contuineous coverage. I provide Bayview proof of insurance and they refuse to refund.
Consumer complaint received 2016-11-07
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (PA)

According to a new collections account on my credit report from Midwest Recovery Systems, I apparently took out a payday loan from XXXX XXXX on XXXX XXXX, 2012 and defaulted on it in XXXX. I am contesting that this is inaccurate, I never took said loan. This fraudulent activity is now part of my credit report and is a misrepresentation of my score. In addition, Midwest Recovery Systems never sent correspondence to our address prior to reporting it to the credit bureaus. As a matter of fact, I have never heard of either company before, and am reading nothing but complaints and investigations involving this same type of situation. Midwest claims to be a XXXX party collection agency that reports to the credit bureaus, and apparently continues to get away with scamming innocent consumers.
Consumer complaint received 2016-11-07
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was considering financing through an auto dealer last XXXX, and did NOT give my consent to run my credit report - or that of my wife. They ran the report anyway which resulted in a hard pull on my credit file, causing my score to be lowered. I ended up financing through my credit union.
Consumer complaint received 2016-04-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Collections Enterprise, Inc. (MD)

I was charged a clinical visit debt, on my daughter 's behalf, which was covered by government medical assistance. The payment was due at the time of service, thus my daughter would not have been seen if the payment was not verified on that same day.
Consumer complaint received 2016-11-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

In XXXX 2016, my lender started sending letters saying purchased insurance on my behalf, and then they increased my 30 year fixed loan. I provided them with proof of insurance with no lapse in coverage in XXXX and XXXX. As of XXXX, they have n't acknowledged receipt of my insurance information. My insurer has provided to the lender twice. I have mailed the information to them in a certified letter on XXXX/XXXX/16. The prior lender also provided them this information when they purchased my loan. Additionally, my lender is sending me letters indicating I 'm a month late with a mortgage payment. I provided them proof of all my timely payments, which were electronically transferred from my band into their account. I 've spoked with XXXX representatives from my lender. Most of the time, they indicate that their computer monitor is not working and they ca n't look up my information. I 'm fearful that they are trying to foreclose on my home. I 've always been compliant and timely, and I have proof.
Consumer complaint received 2016-11-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

i took out a student loan in XXXX for {$8000.00} from XXXX. after paying on this loan i still owe {$7200.00}. i filed bankruptcy in XXXX and was told could not file this loan because it was a student loan. am XXXX now and on fixed income. told could not do loan forgiveness because it was a private loan through Bank Of America. i have paid a total of {$7400.00} which all but {$200.00} went to finance fee, late charges, and something called int capitlztn. what can i do about this problem? can you help me with this. i have paid for 10 years and can not do it anymore due to my fixed income ...
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I have reached out to remove inaccurate late payments off my credit report under the federal law it states 15 U.S. Code 1666b covers the timing of payments for open-end consumer credit plans. It includes provisions about the length of billing periods, finance charges, and the timely mailing or delivery of statements. It also states that creditors can not treat a credit card payment as late unless they have reasonable procedures in place to ensure that statements are mailed or delivered.