davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

This all started in XX/XX/XXXXwith My Bank of America personal credit cards. I meet with my accountant and was told to pay down my credit card debt using my home equity line. For the past 4-5 years I have been paying the minimum amount and was set up on the Bank of America website to make auto payments so I would never be late.

When I attempted to make a {$10000.00} payment if was accepted through the website and then denied. I called Bank of America and we had to have a three way call with Bank of America, XXXX XXXX XXXX and myself to confirm that the funds were available. Once XXXX XXXX XXXX   reported that I had the funds to make the payment it went through.

I attempted to do this four more times between XX/XX/XXXX andXX/XX/XXXX with the same problems. I was told that my payment amounts were larger than my typical minimum payments and that a third party that Bank of America used must have messed up my routing number information. Furthermore they locked me out of my Bank of America online banking and I was and still am set up with paperless billing. So I would have to wait to get a call from Bank of America to make a payment and each and every time they told me that they would unlock my Bank of America online banking page so I could keep making payments.

Within the past two weeks I sent them over {$4000.00} in payments and then they sent me a letter telling me that they were closing two of my credit card accounts. I believe that this was done because I was paying down the cards and it appears to me that they were making it harder and harder to pay my bills. It should be noted that I have been a customer of Bank of America since XX/XX/XXXX.

I believe that this is the predatory lending, I believe that they did not want me to speed up paying my credit cards. I have had over a dozen conversations with various people at Bank of America and each and every one of them said that they could not understand why this was happening to me.

I called today to find out if they have set up a payment plan and was told just keep paying the minimum on the two cards that they cancelled.

I believe that Bank of America has been more than paid for these to cards over the past 13 years with the large amount of interest that they charge.

At this point I need your help to contact them on my behalf and either have the reported amounts due changed to paid in full or set up a payment plan as this has no effected my credit rating.

Thank you for your time.
Consumer complaint received 2016-08-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Huntington bank 24 hour grace period The media package nor the brochures offered by the bank do not disclose how this feature does not work.The bank determines whether or not to the transaction so if they determine to not pay it the grace period does not apply, I questioned the formula for their decision for paying or not paying bank states they do n't have one.This is very misleading and the consumer is given permission to overdraft and believes no fee will be incurred when many times a fee is assessed even when deposit is less than 24 hours.Bank states deposit could be 1 minute later it does not matter, this info needs to be given to consumer, not buried in fine print in a XXXX page disclosure that bank employees do n't even mention when opening an account.The fee is even assessed when a direct deposit is pending for 25 times the amount of the transaction, quite a money windfall for the bank at {$37.00} per fee.The media package for Huntington needs to be changed to full disclosure.
Consumer complaint received 2016-08-23
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (NY)

To Whom it concerns, I have followed all channels to return a product that was not what I ordered and feel as a consumer there should be a layer of protection when using a credit card. 
Here is the process : 1. I called XXXX XXXX XXXX to verify the return location prior to shipping the boxes 2. I labeled the packages according to the XXXX response on the phone-which happened to be the same return address on their shipping label when I received my order. 
3. I returned the items as they were not correct and a paired used - I was not selling any bullion back to them. 
4. They received the boxes with a signature confirmation from XXXX employee Manager XXXX XXXX 5. There is also XXXX tracking report that states all boxes moved normally threw the XXXX system with out any issues. 
6. There was also a XXXX investigation that XXXX XXXX has on file. 
I was simply returning a product that was not what I ordered in the first place. As a consumer, I used all the return tools that are available XXXX tracking and XXXX signature confirmation. XXXX received all XXXX boxes in good order stated by XXXX investigation ( sent report to XXXX on file ). In speaking to XXXX, I was informed that when packages go threw their hubs, they are reweighed several times. We are talking about XXXX boxes each weighing XXXX pounds. There was no damage and all boxes had correct weights which was recorded by transfer station employees and the driver. I have tried to contact XXXX at XXXX several times via email and phone asking for updates and any current reports and I have not heard back. The signature confirmation is proof that they received the items and the XXXX investigation is additional proof that it was delivered in good order. Its nonsense that XXXX is stating all XXXX boxes were empty after receiving them.
Consumer complaint received 2016-08-23
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC (CA)

I made my last payment to Wilshire Consumer Credit on XXXX/XXXX/XXXX in the amount of {$120.00}. 
Web site reflects the payment as well as a XXXX balance. I contacted them today at about XXXX pdt and inquired as to the status of when the title is to be released back to me. Attendant stated that due to the payment not being made via certified funds that I did not follow instructions of which i was never notified of such. I stated that the payment cleared my account on XXXX/XXXX/XXXX however she did not care to listen. I just want the title back. These folks are the most UN-professional and certainly should not be allowed to be in business. 

Several months back i also brought up the following to them : XXXX XXXX, XXXX CONSUMER FINANCIAL PROTECTION BUREAU ORDERS INDIRECT AUTO FINANCE COMPANY TO PROVIDE CONSUMERS XXXX IN RELIEF FOR ILLEGAL DEBT COLLECTION TACTICS Westlake Services and Wilshire Consumer Credit Pressured Borrowers with Illegal Threats and Phony Caller IDs I mentioned to them that they were supposed to issue refunds or credits against accounts. However was told that i was not eligible. Which seems odd. 

Bottom line is i want my title back.
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I have wrote to them a sent proof on several occasion. All three credit reporting a bankruptcy on credit report and said that XXXX XXXX provided them with this information. I have been in touch with XXXX XXXX and sent proof XXXX XXXX to the agencies that there is no bankruptcy on file for me. I need for all the credit reporting agencies to remove this reporting.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Adler Wallach & Associates, Inc. (CA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a phone carrier opened at XXXX XXXX now in the hands of XXXX XXXX under the account number XXXX Credit account opened at XXXX XXXX under the account number XXXX These accounts has resulted in several fraudulent credit accounts and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent Items.I do not recognize the aforementioned collection account reported. The aforementioned collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned collection and credit account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX federal Trade Commission that the aforementioned consumer credit collection are the result of identity theft and fraud.
Consumer complaint received 2018-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I have set up auto-pay twice with XXXX XXXX, only to check my XXXX   account and find out my account is overdue. Both times I was automatically removed from the autopay. Further, I approved my auto pay to an amount 30 % over the payment, and it was reduced automatically by XXXX to the original payment. 

Further, my account was placed on forbearance without my approval. XXXX claimed this was due to a " natural disaster in the XXXX XXXX   county area. '' XXXX continued to earn interest on my loans while my account was in forbearance, this is a deviant practice and I am certain it affected other individuals in the XXXX XXXX County area.
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CT)

I paid off a personal loan in cash on XX/XX/18 at the XXXX CT branch on XXXX XXXX. This was in the amount of about {$240.00}. Since this date the bank has admitted that there was a bank error " caused their system '' to REVERSE a cash payment, and my payment has been sitting in a " reject '' bin. 

They have reopened the account without my permission, kept my money, and never once notified me of the issue in writing, or by phone. Instead they let the account sit and collect interest and fees. I found out of the negative report of 30 days late on my credit report via an e-mail from XXXX XXXX. 

In the meantime I have of course received SEVERAL e-mails and letters soliciting me to open a new line of credit, loan or credit card with WF. 

Since then I have visited the branch once, and been in contact with the personal bankers, branch managers, and regional managers to attempt to correct this issue. At first I was told 3 business days, then 10, and since then nobody will return my calls or even make an attempt to correct the issue. I have demanded a letter form the bank stating that this is a banking error. I have legal recording of the regional manager admitting this was a banking error and promising to make this right - whatever that means. 

Per Wells Fargo request I have opened disputes with the credit reporting agency and last night I received an e-mail from XXXX stating that they have DENIED the update to the credit report! 

This is beyond unbelievable and the worst part is that this has ruined my personal credit, business credit AND SBA loan of XXXX that was supposed to close 3 weeks ago.
Consumer complaint received 2016-08-23
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Santander Consumer USA Holdings Inc. (MS)

My husband and I purchased a car through Santander. The car was repossessed and sold before we were able to resolve the payments in XXXX XXXX. The balance was being reported on our credit reports as both open and closed up until a few months ago. I contacted Santander in XXXX XXXX regarding this debt and there was no response, but the status was then changed to a charge off. The debt is past the statute of limitations and is uncollectible according to the state of MS. Santander continued to call several times after I asked them in writing not to call me concerning this debt, which implied that this debt was still collectible, continuing to violate the FDCPA. I have disputed this account on both my behalf and my husband 's but they continue to report it and update the account on both our credit reports.
Consumer complaint received 2016-08-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo contacted me regarding a debt I am disputing after XXXX Eastern Time on my home phone, a New York number. This number is also listed as the least-preferred method of contact, and they did not once attempt to contact me on my preferred number. Upon questioning the agent who called me, I was told they had attempted numerous times to contact me at a number I had never heard of before. As a result, they were not able to reach me until one month after the account had been in collections, thus further negatively impacting my credit history.
Consumer complaint received 2016-08-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF THE WEST (NE)

I had declined all overdraft protection on my account per debit card and other transactions. I was told that I could not do that on recurring transactions though but they did credit those fees and told me it would no longer go through if there was no money in my account. Month later I get back from out of town to find multiple overdraft fee notices in my mail. So I finally check into my acct which I was unaware had a problem to find that I had a balance of $ -XXXX and that over {$1700.00} of that negative balance was just in fees alone. I spent multiple hours on phone trying to resolve the issue about charges that were n't to go through and asked them to credit their ridiculous fees and if so my acct would be in good standing as it should be to which they refused. Since then I stopped using that account and quit direct deposit cause it was never ending cycle of fees they are still s being to this day.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-06-05
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. (GA)

In XX/XX/2017 thru XX/XX/2017 XXXX reported on my credit report delinquencies. I was XXXX  due to a flooding at my place. I informed XXXX prior what took place and they informed me I would be put on an deferment. Instead they reported me as delinquent. I called XXXX to report the inaccurate information on my report. The company ignored my request and referred me to another company XXXX. Misleading me in the wrong direction. Constantly transferring me to different members only to say go online and dispute the matter. I went online and the document isnt on their website. I called them back and reported my findings and they informed it was there. I went through every step necessary only to start back at the beginning. This has affected me majorly where I cant help my XXXX mother nor myself. The company has reported inaccurate results on my report and its not fair nor right to do consumers that way. I need help correcting the matter. I dont know what else to do.
Consumer complaint received 2016-08-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Designed Receivable Solutions, Inc. (MS)

I have XXXX accounts reporting on my credit reports from this company. I have contacted them by mail on XXXX separate occasions to ask that this debt be validated with proof of my signature to be included. The company has never responded, and continued to verify the debt with the credit bureaus and continue to update monthly as if this is an ongoing debt. It has recently been reported as a charge off, which indicates that they are knowingly reporting misinformation. The debt is also past the statute of limitations for the state of MS and they never indicated that the accounts were under dispute on my credit report. This is a violation that is illegal and can be considered pursuing a debt after the statute of limitations has passed.
Consumer complaint received 2016-08-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo response still does n't address my mortgage delinquency. This lender is not trust worthy or ethical and they tried to illegally foreclose on my property and I caught them. I have been trying to get Wells Fargo to do the right thing since XXXX 2015 asking them for a loan modification. They will absolutely not do it and have denied me and my family 6 times. My property has a good amount of equity and Wells Fargo continues to play serious hard ball denying me on every turn I take to get mortgage assistance. This huge bank is just not in the business of helping certain home owners. They want me to take all the responsibility for {$49000.00} behind payments. I would not be behind this far if Wells Fargo simply did n't lie during all the loan reviews and would just start taking payments to stop the bleeding. They continue to refuse me paying toward my mortgage. I signed a promissory to pay back what I borrowed even if I am delinquent. If Wells Fargo continue to deny my loan mod request then why do n't they at least allow me to make payments to keep the balance down. Wells Fargo wants to keep the fees and balance growing so its nearly impossible for me to ever catch up. I have been very transparent with Wells Fargo but their reps continue to ignore me and laugh in my face. The are the most brutal lender I have ever seen to work with. My last denial said I made enough and could afford the payment. Yes I can afford the payment so therefore I deserve the right to stay in my home with my family. My wife and I have a XXXX XXXX XXXX girl for XXXX 's sake!! We do not have the ability to come up with the $ XXXX over night. My wife and I had some terrible family hardship, loosing a child, that led to the delinquency. How can any normal lender with compassion not wan na help a family who lost a child. Do they believe in XXXX karma and have a conscious? I need some type of plan or assistance from Wells Fargo. But they wo n't do it because they want my equity in my house through foreclosure. They will not say this but its true. If my home was under water in a bad market, a loan modification would be granted immediately. Wells Fargo has fought me tooth and nail like a heavy weight fighter. I just recently sent over my appeal request with a change in income circumstances. I have a new job with XXXX XXXX and I 'm eager to start making payments. I am hoping this appeal will get me a loan modification approval and a trail payment plan. I would like a phone call from the CEO or the head of mortgage lending to resolve this delinquency ASAP. Thank You
Consumer complaint received 2016-08-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

I am currently unemployed and live in the state of California. Seterus is the mortgage company that services my loan. The investor on my loan is XXXX and Keep Your Home California ( KYHC ) is making my mortgage payments until I am employed. The escrow portion ( taxes and insurance ) on my mortgage payment went up ( in XXXX 2016 ) which caused the payment to change in XXXX 2016. Seterus was to notify KYHC and advise them of the escrow change and payment change. On XXXX/XXXX/16 I contacted Seterus and spoke with representative about status of loan. My loan is due for XXXX/XXXX/16 and funds in the amount of {$1000.00} for the XXXX 2016 are in suspense. Payment amount is now {$1000.00}. Seterus representative informed me that they do not contact KYHC when there is payment change that I need to do this. I stated mortgage company must contact KYHC when there is payment change. Representative stated they would look into this and call me back XXXX/XXXX/16. I did not receive a call from Seterus. I called Seterus XXXX/XXXX/16 and spoke with Service Lead representative that I received Seterus acceleration letter and did someone from Seterus contact KYHC about payment change. I stated supervisor was suppose to call me back on XXXX/XXXX/16 but I have never received call. He stated supervisors do not call borrowers and stated he was not sure if someone has contacted KYHC. He asked if I had something in writing from XXXX that states payment change process that mortgage company must notify KYHC directly of payment change and for me to email him this info. I stated I would not do this and Seterus must contact XXXX. This person was rude and hung up on me. I am stunned as it seems to me Seterus does not have process in place for payment change when receiving funds on loan from federal funded program. I called KYHC XXXX/XXXX/16 and asked representative if they had received notification from Seterus regarding payment change they stated no. I verified process on payment change with representative and was advised KYHC must receive payment change notification from mortgage company not borrower. I called Seterus again on XXXX/XXXX/16 and requested supervisor but was told I spoke with supervisor on earlier call. I stated I did not speak with supervisor but service team leader. I stated I just spoke with KYHC and they advised me there is nothing from Seterus reqarding payment change notification. Representative stated they will need to check on this and call me back. I stated when will they call me back as they did n't last time. Representative stated they would call back. I also am worried my credit bureau report is being negatively affected which will cause me more problems trying to get a job. Thank you.