davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

On XX/XX/XXXX, I received my annual PMI disclosure notice from my mortgagor, XXXX XXXX, along with my mortgage interest statement. The disclosure properly contained a notice under the Homeowners Protection Act of XX/XX/XXXX, that PMI should be cancelled on my account on or after either of the following : ( 1 ) the date the principal balance of your loan is first scheduled to reach 80 % regardless of the current balance or ( 2 ) the date the principal balance of the loan actually reaches 80 %. When I called XXXX tonight to acquire about ( 1 ), I was given false and misleading information. I told the customer rep that under the terms of my original loan agreement, that the scheduled date should have occurred 7 years after I first signed my mortgage in XX/XX/XXXX. She first said that they can't give me a date when the loan was scheduled to reach 80 %. She told me that I just have to wait until it actually reaches 80 %. When I told her that her statement contradicted by the notice I received from XXXX and also was in violation of the law, she then actually pulled up the actual notice that was given to me so that she could see that the statement she provided over the phone was in error. She then said that because I had modified my loan, then they can't give me a date. I told her that the loan modification doesn't eliminate XXXX ' requirement to follow the law and abide by and provide an amortization schedule of when the loan is scheduled to reach 80 % of the balance. The entire time the representative was talking to me, she was also getting guidance from a supervisor. This tells me that both your regular and management employees are poorly trained and not knowledgeable about important laws impacting your business.
Consumer complaint received 2018-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BMW Financial Services NA, LLC (CA)

Creditor advises account was reported to credit bureaus as of XX/XX/XXXX. However based on the conversations i've had with XXXX, XXXX  and XXXX, account never reported to any credit bureaus. 

On XX/XX/XXXX I contacted BMW Financial Services and spoke to Senior Account Specialist XXXX XXXX. Specialist advised account was reported to bureaus and was the responsibility of the credit bureaus to report account.
Consumer complaint received 2018-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am unable to file an online dispute via the Transunion website. This problem has been ongoing since filing an online dispute back in XX/XX/2017. This dispute was cleared towards the end of XX/XX/XXXX, but ever since then it's as if my account has been locked and new disputes can not be submitted. The process I am using is through the Transunion Dispute Center - I am able to select " Start an Investigation '' and enter the reason for the dispute, but absolutely nothing happens when I click continue. I have made repeated calls to Transunion and nobody seems to be able or willing to help. I am constantly shuffled between customer service and disputes, and it's not uncommon that I talk to someone from each of those departments four or five times in one phone call. This is absolutely maddening and I don't know who else to turn to for help.
Consumer complaint received 2018-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TX)

Please refer to # XXXX and # XXXX submitted on XX/XX/XXXX and XX/XX/XXXX respectively regarding the issues with XXXX or XXXX. 
Previous complaint ============================= At that time - this company simply tried to put the matter under the carpet/rug. I am facing the same issue since XX/XX/XXXX. I have updated my XXXX profile so that with my cell # - my XXXX XXXX account is associate and NOT Wells Fargo. Wells Fargo was the old one and ally bank is the new one. But still anytime any payments which are coming to my cell # - it goes to the old account ( Wells Fargo NOT XXXX ). I reached out to XXXX and then to Wells Fargo ... everybody ask me to reach out to somebody else ... so no accountability and ownership at all. Today I called at XXXX during XXXX XXXX to XXXX XXXX and talked to XXXX about the same issue. Case # XXXX has been created for this. All the calls are going to XXXX to some very naive customer service associates. When the customer wants to talk to the higher ups - they simply tell that even higher up will do the same. I end up paying fees from the bank due to this. ============================= Now Spoke to XXXX at XXXX ( Level 2 support ) for around 18+ minutes during XXXX to XXXX XXXX  CST. Have the entire recorded conversation and could share with you. Previous complaint. Till now this issue is going on. My payments ( made to my cell # ) some times goes to XXXX XXXX and sometimes to Wells Fargo. I have to maintain two accounts and it's a lot of hassles. Nobody ( XXXX, Wells Fargo and XXXX is taking the accountability and responsibility ). I want old fashioned ACH transactions with ABA Routing # and the A/C # s - at least it was clear, non ambiguous, no buggy and we were aware - what's going on. XXXX - has no non mobile interface. People like me who are not that comfortable with the mobile screens are struggling. Moreover XXXX App - doesn't even shows you which account it is associated with and how to change it to something else. It's something which is untested and not even ready to be used for real world and introduced a lot in hurry. It's very dangerous and chaotic. Worst wait time on the support is too much ... Wasting time with XXXX, Wells Fargo and XXXX customer service for no fault of mine.
Consumer complaint received 2018-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (TX)

Please refer to # XXXX and # XXXX submitted on XX/XX/XXXX and XX/XX/XXXX respectively regarding the issues with XXXX or XXXX. 
Previous complaint ============================= At that time - this company simply tried to put the matter under the carpet/rug. I am facing the same issue since XX/XX/XXXX. I have updated my XXXX profile so that with my cell # - my ally bank account is associate and NOT XXXX XXXX. XXXX XXXX was the old one and ally bank is the new one. But still anytime any payments which are coming to my cell # - it goes to the old account ( XXXX XXXX NOT ally ). I reached out to Ally and then to XXXX XXXX ... everybody ask me to reach out to somebody else ... so no accountability and ownership at all. Today I called at XXXX during XXXX XXXX to XXXX XXXX and talked to XXXX about the same issue. Case # XXXX has been created for this. All the calls are going to XXXX to some very naive customer service associates. When the customer wants to talk to the higher ups - they simply tell that even higher up will do the same. I end up paying fees from the bank due to this. 
============================= Now Spoke to XXXX at XXXX ( Level 2 support ) for around 18+ minutes during XXXX to XXXX XXXX CST. Have the entire recorded conversation and could share with you. Previous complaint. Till now this issue is going on. My payments ( made to my cell # ) some times goes to Ally Bank and sometimes to XXXX XXXX. I have to maintain two accounts and it's a lot of hassles. Nobody ( Ally, XXXX XXXX and XXXX is taking the accountability and responsibility ). I want old fashioned ACH transactions with ABA Routing # and the A/C # s - at least it was clear, non ambiguous, no buggy and we were aware - what's going on. XXXX - has no non mobile interface. People like me who are not that comfortable with the mobile screens are struggling. Moreover XXXX App - doesn't even shows you which account it is associated with and how to change it to something else. It's something which is untested and not even ready to be used for real world and introduced a lot in hurry. It's very dangerous and chaotic. Worst wait time on the support is too much ... Wasting time with Ally, XXXX XXXX and XXXX customer service for no fault of mine.
Consumer complaint received 2018-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (VA)

I HAVE HAD MANY FRAUD TRANSACTIONS ON MY WELLS FARGO VISA CARD AND I HAVE REPORTED IT TO THEM EVERY SINGLE TIME THIS HAS HAPPEN TO ME.. EVER SINCE XX/XX/XXXX MY CARD HAS BEEN CHARGED WITH THINGS THAT I NEVER AUTHORIZED AND I NEVER DID BUSINESS WITH THESE SAID COMPANIES.. I WILL LIST ALL THE TRANSACTIONS ON HERE FOR YOU TO SEE. I KNOW XX/XX/XXXX IS VERY OLD BUT PLEASE IF YOU CAN SEE HOW MANY TIMES THIS HAPPEN TO ME AND WELLS FARGO VISA NEVER BACKED ME AS THERE CUSTOMER AND NEVER WANTED TO GIVE ME MY MONEY BACK. THEY WERE RUDE AND IGNORANT TO ME TELLING ME I WAS A LIAR, WHICH I AM NOT.. PLEASE HELP ME GET MY MONEY BACK. THIS IS SENIOR CITIZEN ABUSE. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX  XXXX   XXXX- XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX   - XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX   XXXX  - XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX   XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX  - XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX - XXXX THESE ARE ALL THE CHARGES THAT WERE POSTED TO MY ACCOUNT THROUGH THE YEARS AND I NEVER DID BUSINESS WITH ANY OF THESE SAID COMPANIES.. I HAVE TRIED TO CONTACT MOST OF THEM AND LOOK THEM UP BUT I HAD NO LUCK BECAUSE THE PHONE NUMBERS WERE DISCONNECTED.. PLEASE HELP ME GET MY MONEY BACK. PLEASE I AM A SENIOR CITIZEN AND I LIVE ON A FIXED INCOME..
Consumer complaint received 2018-04-28
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ARS National Services, Inc. (CA)

At XXXX XXXX today my husband was contacted by the collection agency regarding a, " Personal business matter. '' My husband previously worked for a collection agency and stated the caller was divulging my personal business without authorization.
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

Citibank recently initiated rules barring its business customers from certain legal XXXX sale activity. This is a non-government entity, saved from disaster by taxpayer dollars, acting as a law-making body and thereby violating the U.S. Constitution. 

As a XXXX member, I have a Citibank credit card. My choices are to cancel my XXXX membership or continue to do business with a company that seeks to restrict my rights.
Consumer complaint received 2018-04-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I am making a complaint against Bank of America and XXXX for decisions they have made to ban or limit banking services specifically related to the manufacture, sale, purchase, including financial transaction or account services for the firearms industry, retailers, and consumers. 

My specific complaint against Bank of America is that they intend to stop lending to firearms manufacturers. My complaint against XXXX is that they are essentially creating their own laws according to their XX/XX/2018 blog post : " Under this new policy, we will require new retail sector clients or partners to adhere to these best practices : ( 1 ) they dont sell firearms to someone who hasnt passed a background check, ( 2 ) they restrict the sale of firearms for individuals under 21 years of age, and ( 3 ) they dont sell bump stocks or high-capacity magazines. This policy will apply across the firm, including to small business, commercial and institutional clients, as well as credit card partners, whether co-brand or private label. '' XXXX is additionally discriminating against manufacturers by applying the same invasive rules to lawful and constitutionally protected activity. 

For federally regulated entities to actively suppress lawful activity, constitutionally protected activity, is, in my opinion, a breach of banking regulations and discriminatory. At the very least, it would have the disparate effect of discriminating against white males. No matter what the banks ' intent, the biggest impact would be against a protected class ( race ). But the broader complaint is that banks being regulated, are not allowed to pick and choose customers and industries based on their social agendas, I think that is wrong and specifically against numerous consumer and business protection compliance regulations. They are effectively making law and due to their market size and power, have a restricting and dominating effect on a national level. They are essentially using their massive industry size, to enforce policy equivalent to federal law, replacing the lawmaking prerogative of Congress with the boardroom of for-profit Banking giants.
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks XXXX XXXX   Inquiry : XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry : XX/XX/XXXX Never gave permission to run my credit, I was never asked.
Consumer complaint received 2018-04-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bread Financial Holdings, Inc. (CA)

I've been paying 2 accounts with them so far. But they send me letters stating I am being sued and that I could even end up in prison for fraud. I am trying to clear these accounts but they keep harrassing me on a daily basis.
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Dear Bank of America, I would like to dispute an error you reported to the credit agencies from an account I held with you. 

On XX/XX/XXXX, I opened up a Flexible Spending Credit Card with your organization. Over the course of 10 years and 11 months, I dutifully made on-time payments on this credit card. 

However, on XX/XX/XXXX, Bank of America inexplicable and unexpectedly terminated their relationship with me and closed all my accounts with the bank including the credit card. I was completely prohibited from accessing online banking and all billing notifications stopped as well. 

As a result of this termination, I held a balance on my credit card that I was both unaware of and unable to make payments towards. It was not until sixth months later, on XX/XX/XXXX, that I received a phone call from a third party debt collector informing me that I owed money to the account. I immediately paid the debt collector right at that moment and brought the account current. 

To this day, I have on my credit reports a 90-119 Days Late line of credit that was Canceled by credit grantor which haunts me to this day. I feel this mark on my credit is extremely unfair as I was completely unable and unaware to make any payments towards my credit card. I also tried to call the bank regarding the nature of the account closure and was met with hang-ups and non-answers. 

I hope there is something that can be done regarding this unique situation regarding this account. 

Thank you.
Consumer complaint received 2016-08-20
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (NY)

Citibank XXXX XXXX has increased my interest rate to 29.99 %. I understand that this is their rules when someone pays late but I was only a few days late. I see this as unreasonable punishment since they also hit you with a late fee as well. My balance on my card is only $ XXXX out of $ XXXX credit limit. I have been a long time customer of Citi.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST HORIZON BANK (TN)

I've had an account for over 10 years and have recently started depositing checks directly at a branch via a teller, versus my usual method of depositing via a debit card at an ATM. Deposits via ATM have been credited immediately. However, the deposits made over the past few weeks have, for whatever reason, not been credited for several days, which has resulted in {$440.00} in recent overdraft fees. I called about this and other than offering to refund {$74.00}, the bank refused to refund any more of the fees, even after speaking with a manager ( and despite my lengthy history with them ). I feel this is unjust, as they have total control over MY funds and can siphon as they please, without my knowledge or consent, and I feel that other consumers should be made aware.
Consumer complaint received 2018-02-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I have a foreclosure sale date of XX/XX/2018. I had submitted my offer to the bank for a short sale. However, I submitted it to XXXX XXXX XXXX and they are no longer my mortgage company. I phoned Penny Mac Loans to try to get someone to postpone the foreclosure sale until they could review my current offer and the person that i spoke to was friendly but firm and stated that they will not be able to postpone the foreclosure sale but if i wanted to i could email over my documents to XXXX. I just need for the bank to give me a chance and review my offer. I am trying my best and doing what i can to make it through this tough and trying ordeal.
Consumer complaint received 2018-02-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Green & Sons Agency, Inc. (MD)

I HAVE TRIED TO CALL THIS COMPANY AND HAVE LEFT A FEW VOICEMAIL TO A XXXX XXXX ... Per my XXXX REPORT, SHOWS 13 ACCOUNTS OPENED UNDER MY NAME AS A RESULT OF IDENTITY THEFT. I SENT THE POLICE REPORT TO XXXX   AND NOW I AM SUBMITTING THIS FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2018-02-02
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: United Military Mortgage, LLC (TX)

How did they approve a loan for {$370.00} and the value is only XXXX. 

I XXXX XXXX purchased the home and closed XX/XX/XXXX in the amount of $ XXXX, refinanced a VA loan in XX/XX/XXXX with a new loan balance of $ XXXX the appraisal was $ XXXX. 
they took my from a fixed rate, put me into a 3 yrs ARM@ 2.25 % and charged me 2.25 % points ( {$920000.00} ) plus ( XXXX ) the VA funding fee was {$1800.00}.
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

The are several inquires on my credit report that does not belong to me. Wrote letters to all the entities that requested my credit illegally without my written consent and permissible purpose on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Advised them to provide evidence of permissle purpose and my signed written consent to me. They never responded to my three request. The inquiries in question are : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX & XX/XX/XXXX &XX/XX/XXXX XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX XX/XX/XXXX XXXX XXXX/ XXXX XX/XX/XXXX