davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-20
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: EQUIFAX, INC. (GA)

XXXX XXXX-XXXX XXXX was the original account holder. I took a payment into the store ; when they were still open, and they said their computers were down and took the check. They applied the payment at a later date and all of a sudden I owed them almost twice what I originally owed. I paid the balance of what I originally owed them, and they continued to collect on the account although they had no proof that I owed them anything more. 

Since they knew that I did not owe them more, and could not collect anything else from me they began selling the debt to other companies, and when they needed to prove I owed them, they would pull it back, and re-sell it. I filed a complaint with Missouri Attorney General 's Office, they waited and then sold it to XXXX XXXX. That is why there is no a/c number listed because it is not a valid account. 

I have never had an account charged off by XXXX XXXX, they bought this erroneous account from a bank that was selling debts that were not owed to them.
Consumer complaint received 2015-08-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. A letter was mailed to Experian on or around [ XXXX/XXXX/15 ]. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On [ XXXX/XXXX/15 ] I received a notice from Experian stating the following : '' We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX XXXX XXXX XXXX XXXX to speak directly to an Experian consumer assistance representative. " However, an Experian confirmation number was not even provided on this notice. I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! I am filing this complaint because Experian will not respond to any letters that I am sending in. I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns
Consumer complaint received 2016-09-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I have an unauthorized Wells Fargo credit card account I just discovered. I do n't see that there has been any activity on the account, nor any fees that I can see. But it 's a {$2000.00} credit limit I did n't ask for.
Consumer complaint received 2017-01-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CO)

I opened a Citibank ( R ) Account Package checking account in XX/XX/2016 using promotional code XXXX ( equivalent to the online code XXXX or Citi 's internal code XXXX ), under which I would receive a bonus payment of {$400.00} within XXXX days of meeting the requirement to keep {$15000.00} in the account for XXXX days. I deposited {$15000.00} in the account on XX/XX/XXXX and kept it in the account until XX/XX/XXXX, when I withdrew {$5000.00} via check. 
In XX/XX/XXXX and XX/XX/XXXX I messaged Citi asking about the promotion and they confirmed XXXX times in writing that the promotional code was applied to my account, that I had met the requirements for the promotion on XX/XX/XXXX, and that the {$400.00} would be credited to my account by XX/XX/XXXX 
When the bonus failed to post to my account by XX/XX/XXXX, I opened an investigation with Citi as to why it was not paid. They have failed to answer that investigation and have been stonewalling me ever since. The most recent communication I have from them is from XX/XX/XXXX which claims they have " expedited '' the investigation with their back office and that I must wait another XXXX days before they can tell me why the bonus was not paid. 
It is clear to me at this point that Citi has no intention of paying the bonus they owe me and intend to continue stringing me along with endless " investigations '' until I give up. I am tired of dealing with these people and just want to close my account, but can not do so until the investigation is resolved. 
I demand that Citi pay me the {$400.00} which they have repeatedly acknowledged that they owe me and which should have been paid by XX/XX/XXXX I also request that Citibank be referred to the XXXX Department of Justice and Federal Trade Commission for engaging in fraud and false advertising, as I am not the only person Citi has attempted to cheat out of their bonus in this manner.
Consumer complaint received 2016-09-30
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

Wells fargo converted a savings account to a checking account because of over transaction occurrences in two non sequential months, and then told me that it could not be converted back and that I would have to close the account and open a new account. they said it was due to regulation d requirements. the checking account has fees, the savings did not.
Consumer complaint received 2016-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AZ)

The Creditor has falsely documented our credit report saying Chapter XXXX when that is wrong to multiply Chapter XXXX to account closed in collections to charge off and write off amount to a whole new amount claiming original balance plus interested for there accounting errors. We believe that they wanted to mess us over and have tried by falsely documenting the account they have also stated that they were not notified of the Chapter XXXX which is wrong they were notified and had received payment refused to work with us and continued to falsely document open a new trade line and tried to get us for the full amount after they took the car and sold without providing the sold notice. The account should be closed with us owing them nothing as this is a huge error on there end and should be resolved with out costing us for there mistake. Please help with this as they have cost us enough. They want us to settle with making payments for something that is not right as you can see from the attached credit reports they are all over the board and not lining up with correct information. We ask that you make them remove the errors and show account closed as many of these reports show errors and have account closed they can not nor should they report errors like this and get away with it. They were fully communicated with and did whatever they wanted. They should have to remove all the errors and leave the account closed and in good standing for there mistake to us. Please help we are not in agreement with what they have done to us. The attachments are of my husbands but it is a joint account so it affects us both.
Consumer complaint received 2015-04-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

I have a home mortgage with Well Fargo, that they brought from the closing lender I had 3 years ago. I was told my payments would be around XXXX-XXXX with a downpayment. I am locked in at a rate of 3.75 percent and I do not have a variable mortgage where it is suppose to jump. Well they jumped my payments to XXXX without my consent and are now telling me because of my escrow account. I do not agree and I believe that no one should be able to go in and just change your mortgage payment like that especially when you signed a contract.
Consumer complaint received 2016-03-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am the Co-Executor of my Mothers estate. My Mother had an IRA account with Bank of America. She had this IRA since at least 1992 and always banked at the same small branch in XXXX, Connecticut. The branch was taken over several times between XX/XX/XXXX-XX/XX/XXXX and is now Bank of America. Despite there being XXXX totally consistent beneficiary designations with the predecessor banks being located- XXXX located by Bank of America in its own internal files, Bank of America refuses to honor them -- saying that they will only honor a beneficiary designation directly with them. In addition to the XXXX beneficiary designation forms, I have notes by my mother consistently reasserting that I am the sole beneficiary. 
Also Bank of America has consistently intentional or just negligently given me misleading and false information. The second beneficiary designation was located by them only after they had repeatedly represented that there was No such record. They have also incorrectly ( intentionally or negligently ) represented that there is no detriment since they are willing to pay the IRA to the Estate. The Bank should be aware of the detrimental tax consequence of the payment to an Estate rather than a person beneficiary -- even if ignorant they should at least not make false statements on which their depositors may rely to their detriment. My mother was not a wealthy woman ; she carefully saved her money and meticulously set up her accounts in accordance with her wishes. Yet now, the Bank is looking to VIOLATE her wishes and her accounts! Additionally, since there are other beneficiaries of the residuary estate, clear, contrary to the Bank 's rep payment to the Estate is very different than payment to the individual named beneficiary. 

My mother was already aged XXXX at the time of the Bank of America takeover and XXXX when she died and she consistent banked at the same small branch.The Bank 's position seems to be that that it was somehow her responsibility to make sure that Bank of America still had and did not lose or misplace her Beneficiary Designation. Likely, this is a frequent problem with Bank of America -- the only difference here is the careful records that my mother kept and my relentless pursuit to correct the situation.
Consumer complaint received 2016-11-29
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am re filing my complaint, previously complaint # XXXX. Bank of America {$3000.00} charge on XX/XX/2016. I feel that my bank did not investigate properly, because I did send them a letter explaining my situation, before the due date, all the facts and a copy of the email that I sent to the company on XX/XX/XXXX requesting my refund, just 3 months after the charges, which they did not respond, just like all the phone calls that they ignored, I tried to get the money back directly from the merchant, but I am unable to reach them. I have been following the process but even my bank that is supposed to protect me is giving me the run around, and taking the merchant 's side, a fraudulent company that scammed me, they sold me services and never answered the phone after I showed them my dissatisfaction. What kind of company does that? 


Bank of America sent me a letter stating that they are unable to assist with my inquiry, they are stating that they were unable to determine that billing error occurred. I want to stress that this matter is NOT a billing error I authorized the charges, but XXXX did not provide the services that I was led to believe I was purchasing. They offered me online services, advertising for my website and training, nothing was done and I can not get them on the phone for nothing. Bank of America is saying that they did not receive documentation stating that I attempted to resolve my dispute, I sent a copy of my email requesting my refund. 


They are also requesting the following : '' a valid second opinion letter, on business letterhead and signed by a second qualified merchant. The letter needed to specifically state that the service performed by the first merchant was n't completed or was done incorrectly, and detail how it was done incorrectly. It should have included the steps needed to correct the work, along with an estimate showing the cost to complete the job as per the original contract or invoice. " Bank of America is requesting an impossible task. How Am I supposed to find a company that would take this type of liability? Who would do that? I guess Bank of America is a scam just like XXXX, or otherwise they would protect my rights as a consumer, a victim of a fraudulent company that disappeared after I paid them. If XXXX were a legitimate company they would be trying to work something with me, instead of ignoring my requests. They do not have any type of customer service or support. 


Please investigate this charge and help me get my money back. Any assistance with this matter would be greatly appreciated.
Consumer complaint received 2016-04-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TN)

I was a young naive XXXX XXXX XXXX. I attended XXXX, XXXX, XXXX and XXXX. At all of these institutions I was encouraged to take the maximum amount of both federal and student loans and do not have a degree. At XXXX I was encouraged to take the maximum amount allowed on both federal and private by a Financial loans Specialist named XXXX. She would ask for money for helping us get the most money we could. We all would get at least XXXX XXXX dollars after loans payments were disbursed. This was happening for a high number of us attending the location in XXXX TN. I am now XXXX old no degree and over XXXX in federal and private student loans.
Consumer complaint received 2015-04-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My account with Bank of America is in good standing but, after my XXXX daughter had problems with her account they started mixing things up with me. 
Now their telling me that my account was closed even though they just sent me a new card and I even was able to activate it and my account is at XXXX balance. 
They claim its because of my past credit problems after the passing of my wife and are now corrected but, when they were n't corrected they did n't have a problem keeping my account open. How can they justify closing my account that is in good standing for years and say its because of thepast with someone else but, has been fixed?
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TN)

i am really concerned i went to college for XXXX semesters on the XXXX semester i was informed by the school my loans didnt come through so i would have to pay out of pocket so i quit. 2 years later XXXX contacts me and tells me i owe them money which i knew but also said i owed for the XXXX semester when i asked for what they send they sent a check to me now i did not receive that check and i went to the school to ask and they said that it was sent to a XXXX party hence they could not give me the name i had to contact XXXX i did and they said it went to the school. well for the last 8 years they XXXX have taken my taxes in the amounts of XXXX. XXXX, and etc now my loans were for all together XXXX it is now XXXX i had gotton a letter from navent which is i guess sallie mae and they said i still owe XXXX when i went on the website it sais i missed a XXXX payments they have never sent me a thing on how much a monthly payment would be. i took action with the department of education in XXXX to help rehabilitate my loans and get this scquared away so that they dont take my taxes in XXXX that is what i was told if i paid this act company they wouldnt take my taxes and the new company would send me a booklet of payments i have not received anything but this letter today. i have been on hold for 2 hours and 8 minutes i finally got to someone who send they couldnt help me and directed me to someone else that could help it is now XXXX oclock and ive been on hold from them since XXXX and now they have hung up i called back to only receive another recording saying it will take another 30 min. all i want to know is what is going on with my account and why they have no record of the irs taking my money and sending it to them i have documents saying it was paid. now on nevents site it sais i owed XXXX in XXXX but i never got anything saying this was the company i was supposed to send money too. i have talked to numerous people about this company and everyone has said the same thing customer service workers there will not answer your questions and some people have paid money to this company to find out when they check their status that it was not put into their account. so where is all my money going to if its not being paid i just want to pay my debt but every place that has asked for money for XXXX and i pay it has not went to XXXX its always XXXX parties they are scamming us and it needs to stop. so please i need them XXXX or navent or someone to call me this is very frustrating not to mention they want to garnish wages but yet i dont know if this money is actually goimg to XXXX because i stilll owe all this money in which i didnt even get to finish college for
Consumer complaint received 2016-03-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (IN)

I have been with XXXX at various addresses since XX/XX/XXXX. Due to their horrible service I cancelled. From XXXX XXXX XXXX I spent 15 + hours on the phone with them. After cancellation I got a notice that I had a XXXX credit. All was squared away. Then dated XXXX I got a notice from Afni Collections saying I owed $ XXXX. I called XXXX. They admitted the never told me about the balance and admitted no bill was ever generated. My only notice of this was that I got a collection notice. I confirmed it was a valid collections company then paid it at once. I 'm XXXX XXXX XXXX today. I have never, ever had a collection notice in my life. I 'm fiscally responsible. XXXX failed to follow protocol by first issuing a bill to me letting me know I had an account in collections. I leave XXXX for three weeks tomorrow. Had I not happened to get my mail ( it just arrived today ) it would have hit my credit.
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MD)

I co-signed a huge student loan for my daughter. She is repaying, but the debt has RUINED my credit rating! What immediate or long term action can I take to get this off of my credit rating??? THANK YOU!
Consumer complaint received 2015-07-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Continental Finance Company, LLC (TN)

I received a letter from XXXX XXXX XXXX XXXX , XXXX ( creditor " XXXX XXXX XXXX XXXX, XXXX '' ) representing that I owe a debt to Continental Finance. I called XXXX, and a representative said it was a Visa that I had opened XX/XX/XXXX and closed XX/XX/XXXX. I never opened a Visa XX/XX/XXXX, nor does such an item appear on any of my credit reports. When I contacted Continental Finance, they represented that, not only do they not recognize the account number included on the FNCB letter, but I never had an account with them, and further, that they only carry MasterCard, not Visa, and thus the debt could never have existed. 

I would like to note that, when I told the representative from FNCB that I dispute the claim, he asked what exactly I was disputing, and I told him that I disputed that the debt ever existed, and their representative said he would report it to the original creditor ( which is obviously impossible since the original creditor has no knowledge of said debt ). I doubt, therefore, that the employees of the company know that they are fraudulently attempting to collect on nonexistent debt ( s ).
Consumer complaint received 2016-12-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has done everything but, review my loan for modification under the federal government 's program with correct information. I filed the modification paperwork with the bank last year. Each time I filed they found some made-up excuse to decline the modification. My last review for modification was successful and they granted me a modification however they used absolutely wrong income to process the modification. Ever since then I have tried my best for them to corrected and they are refusing to do so. The most recent excuse is that they have used my son 's ( who is a non-borrower contributor ) 100 % gross income as my household income because I did not provide them with a contribution letter. That is absolutely false. I provided to the contribution letter to them in XXXX 2016 and since then I have given them everything that they have asked for. I 'm attaching a copy of the contribution letter with this complaint. I 'm asking you to help me correct these numbers so this way to correct modification can be granted and I wo n't lose my home.
Consumer complaint received 2016-10-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MRS BPO, LLC ()

I believe this is a debt that I disputed in 2009 for cable services. 

I moved to the XXXX XXXX in XXXX of 2009 and asked to cancel my cable service in XXXX. 

I spoke with a representative at the time and was assured that this would be done. 

Sometime later, I was told that I owed for 2-3-4 months of service. ( I no longer have the documentation from this matter. ) I now have a {$140.00}. collection amount showing on XXXX my Credit Reports by MRS BPO, LLC.
Consumer complaint received 2016-03-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XXXX XXXX received a text on my cell phone. Said it was from my bank. When I opened it the bank insignia looked legit along with bank name. It said there was a problem with my account and they needed to set aside a certain amount. The attachment was a questionnaire want my bank information. Felt it was a fraud since my bank does not have my cell phone number and know they would not be asking for my information via a text. Called Bank of America and they verified that they did not send it. They asked me to email the text to their Fraud Department. Did so immediately.