davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

bank of america is reporting on my credit report an " education '' loan or XXXX opened in XX/XX/XXXX. it is being reported on a monthly basis as a derogatory account ( charge of /profit and loss ) yet theres a past due amount reported monthly. ive called bank of america spoke with their fraud department 's representative XXXX and a XXXX in their customer service unit XXXX in California. XXXX gave me a confirmation number of XXXX for a research request. I also went in person to a Bank of America Home loan stand alone location in XXXX, Maryland today XX/XX/XXXX no one has been able find this account being reported on my credit report. my student loans were all federal student loans through the dept of education. they are current, paid on time. im trying to buy a home and my mortgage lender wont move forward because bank of america is reporting with a past due balance. ive tried to validate this debt and dispute this through the bureaus. bank of america is listed on the credit report with an address of XXXX XXXX, fl XXXX telephone XXXX account number XXXX yet no one can find this account number or find this loan through my social security number. experian states that due to the age of the account it should not be reported on my credit report but its done monthly with a past due balance
Consumer complaint received 2015-04-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (VA)

Hello-I was recently charged an overdraft fee of {$35.00} XXXX times on the same day by Wells Fargo. I called Wells Fargo to explain that in more than 8 years I 've had my checking account with them, I have never been overdraft. In fact I never had overdraft protection in the first place. However they refused to waive any fees and continued to insist that they have to charge me XXXX times for my XXXX account being overdraft. This is reckless behavior by a big bank. Wells Fargo does not provide any way for me to see my overdraft settings online or give me the ability to turn it off. I get no email alerts if my account goes overdraft or if a customer service person turns on my overdraft settings without my knowledge. So I am asked to pay {$100.00} for a service that I can not see I have, have no ability to turn on/off online, and I am not alerted to its status. I ask you help to have these charges waived. Below are the overdraft transaction amounts and date XXXX - $ XXXX - $ XXXX - $ XXXXThanks, XXXX XXXX
Consumer complaint received 2016-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (WI)

When my loan was transferred to Navient my social security information was entered incorrectly and my account was tied to another person 's account with a similar social security number. I am recieving personal information including this person 's social security number. It has been 6 months of back and forth with Navient to fix it. I have had to send my social security number multiple times and it kept being " lost. '' Navient 's concern with customer privacy and customer service is poor.
Consumer complaint received 2016-06-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (TX)

As a single mom in need of a reliable vehicle, I purchased a car and received a loan with a high interest rate through Wells Fargo Dealer Services. At the time, I did not know to shop around for loans with lower interest rates. In spite of being taken advantage of, I made every payment on time. I had NO late or missed payments. Currently, I am able to pay the loan off, but they will not process my payment over the phone due to the amount being over {$4900.00}, and they will not process a payment online for an amount above {$800.00}. My only options are to wire the money, for which I will be charged or to mail the payment and allow the interest to accrue for everyday that the check takes to arrive and be processed. While this may be a small amount, for a woman with children depending on her and who was taken advantage of, but still held up her end of the bargain it is an injustice. Wells Fargo Dealer Services seem determined to extract every last cent that they possible can. They have made it costly to get out of this debt.
Consumer complaint received 2015-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

My husband lost his job in XXXX weeks before we closed on our house and we tried to pull out of the loan and instead they told us they would open up a home equity line to help us pay the mortgage until we were back on our feet we ended up financing almost 100 % of the home price We tried renegotiating the loan several times to get rid of the home equity line because we were only able to pay the interest on it but because of declining home prices and the economy no one would touch our mortgage I had to close my business and XXXX and file an LLC chapter XXXX I reaffirmed both the mortgage and the home equity line however when we tried for a loan modification in XXXX XXXX I suddenly started receiving letters about a bankruptcy and charge off of our home equity line when I looked at my credit report I noticed it was reported to the credit agencies that the home equity line was included in the bankruptcy and it was not I contacted Wells Fargo about it and the credit agencies but Wells Fargo insisted that it was not reaffirmed even though I sent proof to them and the credit agencies then they told me the credit line was charged off and if I wanted to continue to pay it there would be no more interest accrued and I would be paying down the principal My credit score declined after they reported this now we received a letter stating that the equity line is in a repayment process and we must start painting paying {$350.00} a month in XXXX we have been waiting to hear the outcome of our loan modification since XXXX XXXX and have been getting a run around ever cents please helpWe owe {$270000.00} on the house plus an additional XXXX on the line of credit and the house next-door to us just sold for $ XXXX applying for the home modification we were advised by Wells Fargo home preservation specialist to become a month behind on our mortgage or it would look like we were able to pay the mortgage and we would have a better chance of the modification if we were behind in payment
Consumer complaint received 2015-07-01
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My name is XXXX XXXX, and I put in an offer on XXXX XXXX XXXX XXXX, XXXX, VA XXXX on Tuesday, XXXX XXXX, 2015. I sent my documents to my realtor at XXXX who in return sent the offer to the sellers agent. The property is a short sale, it 's been on the market for approximately 410 days. I received a call back a few hours later on the same day stating the bank had declined my offer. It 's ironic how it took the bank 4+ months to decline an offer of {$190000.00}, however, it took the bank less than 4 hours to receive and decline my offer of {$200000.00}. Therefore, I want to verify that Bank of America reviewed my offer and took the correct steps of declining the offer. I did n't receive any type of written decline. Therefore, I 'm hoping the compliance department can perform their due diligence and provide me with some guidance on the process of declining in less than 4 hours. Most financial institutions leave paperwork on their desk for more than 4 hours before getting an opportunity to review it. My phone number is XXXX. Also, the offer was accepted by the seller.
Consumer complaint received 2015-08-13
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC. (MI)

This is an urgent complaint against Ally Bank. I had an IRA ( traditional retirement account ) certificate of deposit ( CD ) with Ally Bank. It came due last month. Ally Bank has confirmed that it closed my IRA-CD on its maturity date last month per routine and correct prodedures. But Ally has not -- and will not -- return my IRA money to me. I have contacted Ally Bank customer service many times, spoken to many people. They can provide me with no evidence that a check was sent to me. They stall, give excuses, refer me to other people in customer service who do n't know how to resolve this. I AM REQUIRED BY IRS to rollover these funds into another traditional IRA asap. Otherwise, I will face tax consequences -- IRS will consider this a distribution instead of a rollover and make me pay income taxes. I have signed forms at Ally Bank saying that this is a ROLLOVER. No one at Ally Bank seems to understand the urgency of this situation. I have requested repeatedly to speak with the expedite dept, the loss prevention dept, the fraud department, the corporate office, etc. at Ally Bank. No one at Ally Bank customer service will allow me to speak with anyone with authority to resolve the problem and find where my retirement funds are. I am shocked that a bank will not return a customer 's money upon the maturity of a CD. I wonder if a bank employee has stolen my IRA money, as Ally Bank can not find the funds. Time is of the essence. PLEASE HELP!!!
Consumer complaint received 2022-12-26
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo Dealer Services, XXXX, XXXX and XXXX ( acct # XXXX ) has failed to update XXXX late payments listed on my credit reports. I was listed as 30days late XXXX XXXX XXXX, 60 days late on XX/XX/XXXX and 30 days late on XX/XX/XXXX. I was told by Wells Fargo that my auto loan was deferred from XXXX of XXXX until XXXX of XXXX. In XXXX of XXXX I resumed my normal payments and discovered in XXXX of XXXX that I was 30 days late because of interest not being paid during the deferment period. I was not informed of interest that needed to be paid during the deferment. 
I informed the rep that the CFPB investigated Wells Fargo and found that they violated consumers and was ordered to pay consumers 2 billion dollars because of unfair and deceptive acts that includes illegally repossessing consumers autos, closing accounts, charging surprise overdraft fees and other illegal activities I also informed the rep of 15USC 1666 correction of billing errors and was refused During this time of the improper credit reporting, I was denied the option to refinancing of my loan with my credit union, denied a line of credit as well as denial of an increase of my current credit cards.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2016-11-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Because of their " twisted '' voice recognition system, it is almost impossible to get credit score from either credit reporting agency, unless you willing to pay for a credit report. I ordered free annual credit report from " Transunion '' and it is lucking credit score numbers. As our credit system heavily dependent on that numbers it makes me " easy target '' to " rip off ''. And its seams logical to me to have that numbers on the report. I was not able to go trough their system to get my credit score. 

Please investigate and enforce reporting agencies to include credit score numbers in the report.
Consumer complaint received 2016-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NY)

Since Navient took over my account I have been slammed with misleading and unduly harsh credit reporting practices. The first occurred in XXXX XXXX. After making a payment of {$500.00} on XXXX XXXX, XXXX to pay down my balance, I was alarmed to find that I was reported delinquent to the credit bureaus just one day later. I was told in certain terms by a Navient rep that I would not be reported late if I made the requested payment, but not told that my payment would only apply to reporting in XXXX XXXX, which had only 2 days remaining at the time that I made payment in good faith. It was a bait and switch tactic. I had no idea that Navient would attack my credit just a couple of days later - after I made a payment. I was not advised that any of this could or would happen. I appealed to Navient to reverse this unduly harsh report which was visible to me on XXXX XXXX, especially since I was trying to make more consistent payments. They refused. 

In XXXX XXXX, while trying to understand and rectify the delinquent XXXX report with Navient, I was advised by a rep to consider forbearance. I agreed and authorized it. I understood that it would begin in XXXX and curtail future negative reporting. Two days ago, in XXXX, I was shocked to see a 120 day delinquent on my credit report. I received no emails as I did in the past from Navient, no calls. Nothing. 

Together, these actions tanked my credit score and ability to purchase a home, which I repeatedly appealed to Navient. They refused to work cooperatively with me, to recognize my efforts. A very different experience from XXXX XXXX. 

At this point, I see no reason to have any further contact with Navient. They have killed my American Dream of home ownership and purchasing a car in less than one year. As a single mom, I face a lot each day and I try my best to pay my bills. I am current on all of my credit cards. Navient however is unscrupulous - they have kicked me twice now. Very hard. And with zero warning. 


after being told this would not occur when I made a payment {$500.00} payment
Consumer complaint received 2015-07-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (NY)

My loan payment was raised by {$130.00} dollars with no written notice by Discover Student Loans. 
They are unwilling to work with me to reduce my payments, & say that if I do n't make full payments they will report me to a credit company. I always make my payments on time. 
They have withdrawn funds my checking account without my consent & they admitted to doing it. 
I am having so many issues with Discover Student Loans.
Consumer complaint received 2015-11-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Eagle Financial Services, Inc. (OH)

I was never late with this company. I had to file a chapter XXXX and offered to pay them in full and NOT include them in the bankruptcy. First they said I could do that, then they said I could n't. SO, I included them in the bankruptcy and since they are a secured creditor they are getting paid in full. In XXXX 2015, 1 month after my Chapter XXXX was filled, they reported to my credit file that the account was charged off and have been reported it charged off every month since then.
Consumer complaint received 2016-12-15
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (IL)

I signed up for a Discover credit card because of its cash back promotions, including 5 % " bonus '' spending categories and 5 % " Discover Deals. '' However, Discover has made it virtually impossible to verify that their cash back has been properly applied via unacceptably long delays in crediting the bonuses, inadequate and confusing documentation of the bonuses, and a chronic unwillingness to investigate my inquiries.
Consumer complaint received 2017-02-22
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America Mortgage Dept. 
So they charge you an additional 10 days of Interest when they give you a mortgage payoff. Which in my case is {$19.00} a day till XXXX XXXX. They got my funds & closed today XXXX. SO YOU WOULD THINK I GET A REFUND FOR THOSE 10 DAYS. People need to keep on eye on their money. This is no way to do business. I think I 'm entitle to a refund.
Consumer complaint received 2016-10-06
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX/XXXX/2016 Complaint Department Wells Fargo Home Mortgage Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
This item CREDITOR SETTLED on XXXX, is inaccurate because it shows a date of XXXX where it was a closed case in XXXX. I am requesting that the item be removed to correct the information as a short-sale not a foreclosure that was settled on XXXX. 
Enclosed are copies of enclosed documentation, supporting my position. Please reinvestigate this matter and correct the disputed item as soon as possible. 
This information is also simultaneously being filed a complaint with XXXX. 
XXXX Sincerely, Your name
Consumer complaint received 2016-04-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

I took out XXXX students XX/XX/XXXX from Navient. I deferred them for 18 months and have been a perfect pay ever since. The original balance was {$37000.00} and XXXX. Today they are {$59000.00} and {$60000.00} with perfect pay record? I have paid them over {$50000.00}. They adjust my payment annually based on my compensation. They even recommended I sell my car so they can raise my % rate by XXXX. Please let me know what I can do to protect myself.
Consumer complaint received 2016-09-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo categorically refuses to answer any and all of my Qualified Written Response. 
Please find their written response attached to my new XXXX complaint. 

Prior to receiving the attached Wells Fargo denial letter, I sent A copy of my RESPA request to the Consumer Finance Bureau, who opened Case Number XXXX. 

Wells Fargo now claims they have opened a new case file regarding my " new CFB '' inquiry. This is NOT a new inquiry. 

They have violated my consumer right for a loan audit, including history of loan ownership.
Consumer complaint received 2015-10-12
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

i tried to open a complaint or dispute a charge on my credit card and received no help from my credit card.i was litterly scammed out of XXXX from a company that called itself XXXX.the services they promised were never provided and that is why i turned to my bank for help.i thought elderly people were supposed to be protected from fraud.
Consumer complaint received 2016-10-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Good Morning, Attached you will find requests for investigation as early as XXXX XXXX, 2016. I have attached the response to the requests or lack of I should say. I have asked 3 ( three ) times for Transunion to investigate and correct or delete items. I have also asked for a " detailed investigation and provide how the investigation was conducted and the details associated with them '' I have also called into the company because i am receiving unwanted credit inquiries. As part of paying XXXX a month, Transunion has a " credit freeze '' When i attempt to " Freeze '' my credit it says there is an error. 

No less than 3 times i have called on this. EACH TIME they tell me they can NOT fix this. How can Transunion, a CRA, NOT be able to fix and STOP inquiries coming in? 

Not only are they causing damage by NOT investigating complaints or responding, Transunion is allowing inquiries to appear and putting the burden on me a consumer, to do their work. If their product worked as advertised and paid for, i would not have the inquiries. 

Thanks for looking into this for me. 

XXXX XXXX
Consumer complaint received 2015-03-25
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (CA)

I had a previous collection account with XXXX XXXX. This account was settled on XXXX/XXXX/XXXX and it was closed. As of XXXX/XXXX/XXXX i had a notice that there had been a hard inquiry on my experian credit report from XXXX, i contacted the agency and they told me that no one had ran my credit and my account was closed years ago. so they refused to help me. I contacted experian on the problem but they said that since it 's not fraud there is nothing they can do, i most contact consumer finance .gov and report them.. Please help.
Consumer complaint received 2015-10-23
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XX/XX/XXXX2015XXXX XXXX XXXX XXXX XXXX XXXX VA XXXXRe : Unauthorized Credit InquiryDear Creditor, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from XXXX credit files because it is making it very difficult for me to acquire credit. 

Send us written authorization that gave you access to our credit files. 

SS # XXXX XXXX XXXX # XXXX XXXX XXXX