davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-22
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I placed {$1200.00} in my Bank of America credit card account. Bank of America reduced my credit limit by {$1000.00} and took {$1000.00} of the {$1200.00} fr from my account. The {$1200.00} was an attempt to lower the admittedly high balance and to begin resurrecting my credit. Not only is appropriating the funds unfair but it serves to further unsettle my credit standing. Furthermore, I am in fear that BOA may take money from checking account. I can not even close the account without realizing further credit penalties ( BOA is my longest opened account ). Finally, the credit report used was based upon inaccurate information. However, if it were accurate, lowering the credit limit and then appropriating funds can not be an ethical - even if legal - practice. Please return the {$1000.00}. 
I do not care if the credit limit is lowered ( in fact, that would mean smaller monthly payments ). I am employed ( XXXX ) and I receive social security. I work hard to maintain my credit. This action only serves to undermine my financial health and efforts to demonstrate credit worthiness. Please help.
Consumer complaint received 2015-05-19
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (VA)

I am a XXXX veteran and Federal employee who is getting ready to retire. As part of my retirement plan I had intended to move from XXXX to XXXX. After finding a house I submitted a mortgage application to Wells Fargo Bank XXXX the same bank that holds my current mortgage ). In short, Wells Fargo denied my application because I was " Unable to verify income '' upon retirement. Since it is now taking XXXX 6 to 8 months to complete retirement packages, all I had was the Estimate of Annuities that XXXX provides prior to retiring. Since I could not produce a income statement, and will not be able to do so for XXXX to 8 months, Wells Fargo has put me between a rock and a hard place. I have already sold my current residence, however I am now likely to lose the house I have a contract on in XXXX. I doubt I am the XXXX Federal retiree who 's plans included something for which they would need a loan to accomplish. Wells Fargo 's response was that this was part of the new rules implemented after the housing market crashed, however, I can not see its application for someone who will have a guaranteed income at retirement despite the governments processing of that retirement being 6 to 8 months behind.
Consumer complaint received 2015-09-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (ND)

I pay my bills online every month. I authorized a payment on my auto loan to WELLS FARGO DEALER SERVICES on XXXX/XXXX/2015 which was paid. WFDS attempted to take a second payment on XXXX/XXXX/2015 which was returned and a {$28.00} overdraft fee was charged to my account. I did NOT authorize this payment. I spoke with WFDS and my Credit Union about this situation. On XXXX/XXXX/2015 WFDS put through the second unauthorized payment which overdrew my account again and I was assessed another {$28.00} fee. [ My checking account is with a different bank. ] I 'm on XXXX and get paid once a month. Now I 'm short for the rest of the month and neither bank will help me!
Consumer complaint received 2016-04-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (ME)

XXXX XXXX I co-signed a vehicle loan for my brother. We got Wells Fargo. XX/XX/XXXX the car was totaled. A payment of XXXX was made XXXX, XXXX. The monthly payments are XXXX a month, leaving a balance of XXXX due on a 48 month loan. I did not know the car was totaled until XXXX, XXXX. I immediately contacted Wells Fargo on XXXX XXXX, XXXX. I was in contact with them until XXXX, XXXX going though XXXX cunstomer service reps. and XXXX account Managers. Each process with ruder and ruder associates. XXXX asst., # XXXX and XXXX acct. Manager # XXXX being rude and of no help, with just the opposite of any prior help. I asked why my account was not reflecting 20 1/2 payments that they were paid on XXXX, XXXX by the insurance and did I still have a 48 month loan. I was told yes by the XXXX account manager XXXX and not to go by what my account was showing. They have since file 2 late payments on my credit report after stating this would not be done. They also suggested doing an insurance deficiency re-write loan. I did that and they refused me. They all agree I still have a 48 month loan though.
Consumer complaint received 2015-12-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (SC)

I got behind on my mortgage due to job loss. I was served with foreclosure papers by my servicer America 's Servicing Company. I was given the opportunity for foreclosure intervention by submitting the application and documents such as paycheck stubs, hardship letter, bank statements, and unemployment records to the attorney assigned to the case by America 's Servicing Company. I did this as requested sending the documents through the mail certified to the attorney 's office by the date specified in XXXX 2014. After this I heard nothing from the mortgage company or attorney for several months. In XXXX 2014, I was sent a letter from the attorney stating that I never submitted the required documents and therefore was ineligible for foreclosure intervention. I answered the letter to the attorney 's office and to the court on record for the foreclosure showing the certified letter receipt that showed the package was received by their office and who had signed for it. I still got no response. The process was allowed to continue making me further behind. If the attorney and servicer would have looked at the paperwork back in XXXX 2014, I would not be as far behind in my mortgage as I am now and would possibly have had a resolution getting my mortgage caught up with foreclosure intervention. Now that the foreclosure process has gone on and now that I am back at work and able to afford my mortgage, America 's Servicing Company does not want to listen to the fact that this could have been fixed over a year ago and is not willing to work with me for a modification to get my mortgage current.
Consumer complaint received 2017-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (PA)

I consolidated the balance of my son 's student loans in 2006. Even though I paid on time regularly every month, AES has failed to reduce the interest rate as I was promised. Their response was that option was eliminated when the loans were consolidated. That was never conveyed to me and I would never have agreed to it.
Consumer complaint received 2016-04-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (FL)

I started my private student loan with XXXX bank and then I get a letter stating they are selling my loan to AES. I never signed any paper work with AES and now they want to raise my interest. I had to go through extensive work to obtain a loan with XXXX and now it can easily be passed over to AES? I need to have documentation stating that I 'm OK with that and need to have my signature on AES paperwork.
Consumer complaint received 2016-08-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo NA reported past due delinquency on my credit report. 
These were reported on XXXX XXXX and XXXX XXXX, These are both inaccurate and have impacted my credit and my ability to secure a loan for housing for the past two years. I have tried XXXX separate times to have Wells Fargo remove these past due delinquencies removed from my credit report. I fell as though the latest response from Wells Fargo NA is bullying me and punishing me with compliance condition codes applied to my Credit report. 

I am unable to secure a loan and his is impacting my family 's ability to purchase a home. 
This has been impacting our ability to secure a loan for over two years now. 

I have attached two documents : # 1. My credit report with the XXXX separate Past Due claims from Wells Fargo NA on my credit report. ( XXXX Wells Fargo ) # 2 Response from Wells Fargo ( XXXX )
Consumer complaint received 2016-04-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I received a message from CFPB on XX/XX/XXXX indicating a response was generated on case # XXXX from Wells Fargo Home Mortgage. I received a phone call from Wells Fargo on XX/XX/XXXX stating that there has been no change in status or their position, therefore no resolution. After reporting numerous times to CFPB these responses are not visible on your portal for me to view, & due to the inability to dispute their verbal response online, it is imperative that I file a new complaint. 

Despite several attempts to identify and credit my account for an unapplied payment, even though evidence has been provided, it has been ignored and denied. 

It appears that Wells Fargo performed a blend of Streamline Refinance and Hamp 2 modification on my account, and then changed the account number. The end result was not to my benefit. I was told I was being offered a modification. I signed the modification agreement under duress, even though I questioned the interest rate increase. I have been advised that a Streamline Refinance is not a modification. I have also identified a published Wells Fargo document that promotes the streamline refinance, and it states that if you accept the streamline refinance, the interest rate may be increased. I was told that the rate increase was the only way to get me to affordability, which never made sense to me. I believe I was never considered for or provided a genuine legal Hamp2 modification. I am now being told by Wells Fargo that I am not entitled to a modification ever. 

Information from published guidelines for Streamline Refinance Streamline refinances also come with their own list of requirements, namely that the refinance has a " net tangible benefit. '' In other words, it should help the homeowner, not just put money in the pocket of the loan originator. 
This generally means that the mortgage rate should drop by an amount that will eclipse any related fees, and/or that the loan is converted from an adjustable-rate mortgage to a fixed-rate mortgage. 

In my case, my current adjustable rate was 3.4, it was during a long period of time of very low interest rates, averaging 2.75, & rather than my rate being reduced to as low as 2 % as in HAMP2 guidelines, my rate was increased to 4.125, pushed out for 40 years, and subsequently the monthly payment increased by {$160.00} per month after 1 year, in violation of our agreement. Wells Fargo justified the increase by blaming the taxes and escrow account. The rate after the increase took away the entire monthly benefit of the pretend modification agreement, left me with a higher interest rate, a much higher interest period in the beginning, and many additional years to pay interest.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

It is so distressing and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.
Consumer complaint received 2015-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CO)

I am writing to dispute the account currently being reported by XXXX as referenced above. I have disputed this account information as inaccurate with Experian, and Experian has come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted XXXX myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests for them to Validate my debts, and the receipts showing that I sent these letter certified mail with a signature request. This debt is not mine and I was given any evidence of my obligation to pay this debt to the collection company listed above in this letter. 
The FCRA requires Experian to verify the validity of the item within 30 days. If the validity can not be verified, Experian is obligated by law to remove the item. There is a clear case of unverified debt here, and I urge Experian to remove this item before I am forced to take legal action.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I trust this message finds you well. I am writing to express my deep concern and frustration regarding the ongoing presence of fraudulent items despite our repeated attempts to address this issue. Despite the resources and measures allocated to identify and remove these items, it is disheartening to observe their continued infiltration into our system. I urge you to conduct a comprehensive review of our fraud detection and prevention measures to identify any systemic weaknesses or loopholes that may be exploited by perpetrators of fraudulent activities. It is imperative that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. Additionally, I urge you to prioritize staff training and awareness programs to ensure that all team members are equipped with the knowledge and skills necessary to detect and respond effectively to fraudulent activities. Clear accountability measures should also be established to hold individuals responsible for any lapses or oversights in this regard. With this, I am asking for your help to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I have repeatedly disputed these items with Experian since XXXX and they are just now starting to remove the items that do not belong to me. I have also been in touch with the agencies and XXXX and i am not in their system. Everyone is aware that these accounts do not belong to me, yet they are still remaining on my report. XXXX and Experian have removed these items off of my report yet Experian wo n't. I have lost all of the patience that I have. I have filed a lawsuit as of this morning against Experian for the full amount the law allows. From this moment on, I will let my attorneys do the talking. Not to mention that there are addresses on this report that do not belong to me that have never belonged to me and they refuse to remove those as well. I have attached my intent to sue notification that lists all of the accounts that have yet to be removed. This is causing harm to my family financially. I have already filed suit in court as of this morning. They are not operating with the law. They are clearly going against it. I have had enough and now they can speak to my attorney. They only can speak to me when they remove the items.
Consumer complaint received 2017-02-16
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (FL)

My name is XXXX I am a victim of ID Theft AGAIN, I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report which are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as this date that you used to verify the accuracy of the accounts listed below. Under the FCRA, 15 U.S.C U.S.C section 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit file. Please do not respond to my request by saying that those accounts are verified. If you do not have documentation for those accounts are verified # XXXX, # XXXX, XXXX, XXXX, XXXX, XXXX, please delete them immediately as required under section 611 ( a ) ( 5 ) ( A ) ( I ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2016-01-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (NY)

DEAR CFPB, I RECENTLY CHECKED MY CREDIT REPORT WITH EXPERIAN.COM, IT WAS GIVEN TO ME FOR FREE AS A RESULT OF A DENIAL BY XXXX XXXX FOR XXXX OF THEIR CARDS OFFERD TO ME BY MAIL. EVERYTHING ONE MYREPORT WAS CORRECT, UNTIL I SAW A SPECIAL MESSAGE MARKED SO I CLICKED OPEN AND TO MY AMAZEMENT THERE WAS SOMETHING METIONED ABOUT MY HAVING XXXX OR XXXX, THIS IS IN DIRECT VIOLATION OF DOCTOR PATIENT PRIVLAGE AS WELL AS A NEW YORK STATE LAW THAT STATES XXXX FACILITIES CAN NOT DISCLOSE THIS INFORMATION ABOUT APERSONS XXXX TO JUST ANY ONE.I HAVE BEEN XXXX FLR SENERAL YEARS AND RECENTLY BEEN DIAGNOSED WITH XXXX. I AM HAVING FINANCIAL PROBLEMS DUE TO THESE ILLNESSES. AND AFTER MEDICARE AND SOME HELP FOR MEDICATIONS BY THE XXXX, AND THE XXXX THESE HELP [ WITH XXXX AND XXXX INJECTIONS ONLY NO OTHER SERVICES SUCH AS MY MEDICARE COPAYS.NOW IAM CURRENTLY WAITING FOR AN APPROVEL FOR A XXXX TO SEE THE RESULTS OF THE XXXX XXXX? PLEASE NOTE I WAS DIAGNOSED XXXX MONTHS AGO AND HAVE NOT YET BEEN XXXX.I AM OUTRAGED THAT A THIRD XXXX XXXX HAS TO WORRY ABOUT CONTINUED TREATMENT FOR A XXXX ILLNESS AND THAT THESE ITEMS ARE ON MY EXPERIAN CREDIT REPORT.AND THE HOSPITAL WHERE MY XXXX TREATMENT IS BEING DONE SAID THAT THEY HAD TO CHECK TO SEE HOW MUCH MY MEDICARE A & B WILL PAY FOR THIS XXXX UNDOUDBTEDBLY WILL CHECK WITH EXPERIAN THIS IS XXXX SHAME IN THIS COUNTRY. I WANT ACTION NOW WE WHO ARE ILL NEED PROPER HEALTH CARE NOT SICK TILL WE DIE CARE BECAUSE OR CREDIT REPORTS AND OUR COUNTRIES SO CALLED BOLONEY HEALTH SERVICES PLKEASE GET BACK TO ME ASAP I WANT MORE TIME IN THIS LIFE AND I DESERVE IT XXXX IT!!!!!!!!!!!!!!!
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

In XX/XX/2016 my wallet was stolen. I filed a police report with my local law enforcement : XXXX Police Department. Soon thereafter my identity was used to acquire various accounts, namely a car loan with XXXX in XXXX, CA. They opened an auto loan with XXXX. Once this was brought to my attention I immediately contact the detective I was working with at the XXXX Police Department. The detective contacted the General Manager, XXXX at XXXX and after a thorough investigation it was deemed by the General Manager, XXXX, at XXXX, as well as the detective with the XXXX Police Department that this w as in fact fraud. I am providing ALL documentation to evidence such. I have requested multiple times that Equifax remove the Charge Off showing under my name with XXXX as well as remove this account and Equifax as well as XXXX are REFUSING to remove this Fraudulent information which is preventing me from qualifying for a home loan and any other type of credit
Consumer complaint received 2016-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

This company is continuing to request payment for accounts that I do not owe on. {$36.00} from XXXX on behalf of XXXX.. 
These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to EQUIFAX. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against EQUIFAX and in their respective state and both of these companies if this is not resolved NOW! 
I 've ALWAYS had this type of trouble before with EQUIFAX. My report with them has always been incorrect. XXXX having an out of date address from over 6 years ago as my main address to not having all of my current TradeLines listed that are active and in good-standing.I 'm not surprised with Equifax! 
ALL references regarding this account must be deleted from ALL reporting agencies.
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.