davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (PA)

This complaint is about XXXX credit card. I have been faithfully paying amounts exceeding the amounts due every month and was nearly complete in paying the credit card. This month I looked at the statement and 100 % plus some of the existing balance had been charged to the account. They are charging multiple fees for the same description within days of eachother. The fees are classified as adjustments and finance charges rolling from " promotional to rolling '' and were charged in XXXX 2017. I never receive communication regarding the assessment of these fees which would have enabled me to close the account sooner. This company is also routinely raising prices prior to sales and then presenting false hooks tag sale offers which exceed the prices prior to price hikes. I have notified the company that I would be reporting these issues to CFPB. I am seeking restitution for the {$330.00} in fees, but I strongly feel it is important to inform other consumers of their practices. Thank you.
Consumer complaint received 2017-08-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NV)

1. They did n't work with me in getting an income-based repayment plan.
2. T  he interest keeps significantly rising. Here 's a history : Today -  XXXX   XX/XX/XXXX / XX/XX/XXXX  -  XXXX    XX/XX/XXXX / XX/XX/XXXX /  XX/XX/XXXX -  XXXX    XX/XX/XXXX  to  XX/XX/XXXX  -   XXXX    XX/XX/XXXX  to  XX/XX/XXXX  -   XXXX    XX/XX/XXXX  to  XX/XX/XXXX   -  XXXX    XX/XX/XXXX  to     XX/XX/XXXX   -  XXXX    XX/XX/XXXX   -  XXXX    XX/XX/XXXX   -  XXXX    XX/XX/XXXX  -   XXXX  +  XXXX    XX/XX/XXXX  to  XX/XX/XXXX   -  XXXX
Consumer complaint received 2017-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX REFUSES TO VALIDATE THE ERRONEOUS DEBT BEING REPORTED BY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IN. XXXX.
Consumer complaint received 2017-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

We had fraudulent activity on our account. I contacted Bank of America and they would not credit the charge back or do any investigation. The did provide the sales receipt & the charge was made at XXXX in XXXX TN. The receipt had the phone # of the store & I spoke with the manager. She agreed that it appeared to be fraud by an employee and the amount was credited back. I then contacted Bank of America on XX/XX/XXXX @ XXXX we spoke with XXXX and closed the account. We got a notice on XX/XX/XXXX on regarding changing the terms of our credit, the 4 page notification did not contain a phone # you could and why would you receive a notice on an account that should not exist. Luckily I kept the records and was able to go back and retrieve my account # and a phone #. When I called I was on hold for 16 minutes and they asked for the 4 digit security # on the back of my card. I explained, when you close an account you cut the card up. They then said they had to speak with the primary card holder, Iadvised my husband was out of the country ; they said they could not do anything unless they spoke with him. I told them he spoke with them before on XX/XX/XXXXand they did not honor our request. He will call  AGAIN when he gets back to USA. In the meantime I have lost about {$200.00} in wages by tracking the  dispute and trying to get the account closed.
Consumer complaint received 2017-08-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

On various occasion as I entered my XXXX program training in XXXX XXXX in XX/XX/XXXX, XXXX accredited program, I tried to place my loans of deferment knowing that I qualified I was denied and was told that I did not qualify. Every year I maid the attempt to place my loans on deferment and was not allowed. on XX/XX/XXXX I made a call to Navient and was told that I did qualify at required me to sent a letter. Letter was sent and never was processed. Just recently XXXX XXXX placed a remark on my credit score even though my loan had not gone into repayment affecting my credit score ; following month it went in repayment and payment was made. My sent documents or not in their web page they have eliminated everything before XX/XX/XXXX from messaging sent and received by me and them. I was miss guided along the process and was placed on forbearance knowing that I did qualify for student loan deferment on the subsidized part of my loan.
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CA)

I contacted AES numerous times regarding my past student loans ( 2 ) that still show an open status. These loans continue to show on my credit report as open and past due, which is incorrect because they no longer hold the loan. Fed Loan explained that the AES account would be closed as paid since Fed Loan bought the loan from them. My AES account was established in XX/XX/XXXX, defaulted XX/XX/XXXX and the entire balance of the loans was transferred and paid by Fed Loan XX/XX/XXXX. My Fed Loan account is open and in good standings with on-time payments. The AES late payment/open status information should be removed immediately. Any assistance in getting theses charges and incorrect information removed from my credit would be greatly appreciated. Thanks! Have a Great Day! XXXX XXXX XXXX
Consumer complaint received 2019-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo lied about removing my primary mortgage insurance qualifications. 

They have changed the original terms agreed when we started our loan. We have never missed a payment or been late. In fact we pay more into our mortgage every month. 

They have also now requested a 75 % LTV to remove Primary Mortgage Insurance. 

As stated in our original loan documents we can request to remove PMI after 80 % Loan to Value. 

They now are asking for us to pay an additional {$25000.00} to remove our PMI. 

Please help us out.
Consumer complaint received 2017-08-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE LENDERS OF AMERICA (TX)

I was misled during my lending process. My initial lender Mortgage Lenders of America asked me to do a Credit Bureau Explanation. I thought the request was strange however since I am a first time homebuyer I thought I 'd comply. I was informed a week later that my credit report from XXXX had been updated and my legal name had been removed from my credit report and my credit score had dropped XXXX points. Also all of my physical addresses were removed from my credit report without my authorization or consent. This allowed Mortgage Lenders of America to raise the interest rates on my loan to 4.87 % FHA loan which is extremely high. I immediately contacted my loan officer XXXX XXXX with Mortgage Lenders of America about the change and she denied it. However, I only provided her with the Credit Bureau Explanation.I am now using another Mortgage Lender. However, I needed to report this illegal practice and I actually believe that someone should be imprisioned behind it. It allows these lenders to charge excessive interest.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, ssn and DOB in order for it to appear on your credit file. Transunion has not updated the information and per the new law Chapter XXXX Bankruptcy Federal District docket # XXXX listed does not include this information and should be deleted from my report.
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IN)

I tried to order my free credit report from XXXX. I tried about a month ago and was unable to complete the online application because when I get to the captcha screen, it tells me that I incorrectly entered the information three times, then tells me that I ca n't try again.The words were very clear and I know that I entered them correctly. This program does not work correctly. I read online that many people have this problem. It violates people 's right to get a free annual credit report if the only website available to get it does not work. I was eventually able to find a phone number on the FTC 's website, but I think that the company that runs XXXX needs to either fix their website, or provide a number themselves, since it is quite difficult to find that information.
Consumer complaint received 2017-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I contacted Trans union about a problem with an update on an account I pay on this on time all the time for over 2 years.
I noticed in   XXXX   that it had not been update since  XXXX .
I contacted them and Her English was poor at best, asked me some questions about the account.
She told me to get my payment history and submit it.
Never did she say what would happen next, I decided to let it go and hope it would get resolved after discussing with the Dealership.
They completely took not 1 but 2 loans off my report.
They were both in Very good standing without a missed or late payment ever.
Trying to rebuild your credit is hard enough, But have inept workers who barley speak or understand English in a job like this is unacceptable.
All the effort into getting this resolved has fallen on def ears
Consumer complaint received 2017-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (MD)

Funds were held on checking account on XXXX/XXXX/XXXX without my knowledge. M & T bank froze acct, could not use acct., debit or find representative that could help me I was instructed to phone legal dept, which I did, left a message on XXXX/XXXX/XXXX Direct deposits, and ATM deposits being made into acct, but ca n't access funds for anything ( food, gas, monthly bills ) There was NO NOTICES SENT to me either e-mail, online, phone or text. I called numerous times to contact. Again NO ONE called back or assisted me. Would like to know what is going on, and how long my money will be held hostage. I ca n't borrow from anyone. I live alone.
Consumer complaint received 2017-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX and attorneys XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX XXXX, have improperly scheduled unsecured property for auction originally, XXXX XXXX, 2017, and now XXXX XXXX, 2017 without proper notice and without giving a payoff statement, invoice or bill for payment. In an earlier complaint regarding debt collection procedure violations, XXXX XXXX of XXXX XXXX XXXX for XXXX XXXX provided an affidavit of service by mail dated XXXX XXXX, 2017 of notice of sale scheduled XXXX XXXX, 2017. In the same letter XXXX XXXX maintains that the required 90 day notice under NY CLS UCC 9-611 was given. This is clearly untrue according to the documents XXXX XXXX has provided. Upon repeated requests for a payoff amount or statement, XXXX and their attorneys XXXX XXXX XXXX, have reported to the credit bureaus false information due to the fact that they report the debt as in arrears, but refuse to provide verification or substantiation and have failed and refused to give me a payoff statement, amount, or an opportunity to payoff the debt.
Consumer complaint received 2017-08-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I am writing in regards to a private loan that is reporting incorrectly on my credit files/reports. On at least one occasion I have disputed the validity of the information being reported for this account and the dispute always comes back as unchanged and the account information being reported has been verified.
The issue was clarified in the XX/XX/XXXX amendments to the FCRA, which set a specific starting date that is now SET BY LAW as the last deliqency date, and not later dates, such as a DOLP.
FCRA Section 605 : ( c ) Running of reporting period.
( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
Late Payments - Seven years from the month in which the late payment was due. If there are multiple late 
payments in one account item, then they will each expire individually.
Charge-Offs - Seven years. The time runs from the date of the delinquency, plus 180 days. For example, if a payment was due on an account on XX/XX/XXXX, but the debtor defaulted, and never caught up to become current again, and the account is eventually declared a charge-off by the creditor, then the seven years reporting time limit starts running on XX/XX/XXXX, with the item scheduled to expire from his/her credit reports on XX/XX/XXXX. I have attached paperwork directly from the XXXX website that clearly shows the first late on thisaccount occurred on/around XX/XX/XXXX, but my credit files are reporting that there was n't a late on the account until XX/XX/XXXX. This erroneous entry showing an incorrect date of first delinquency is detrimental to my overall credit rating and has caused me severe financial and emotional distress. My question now is how was this investigation conducted to confirm that what is currently being reported is accurate? A template response to my complaint at this point will not be acceptable. This account is not only being in-accurately reported but is also past the reporting limits based on the Fair Credit Reporting Act. If this situation is n't immediately rectified I will be forced to take further legal actions.
Consumer complaint received 2017-08-04
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo opened a Trust account for the co-Trustee of my father 's Irrevocable Trust. My father passed on XXXX XXXX, 2017 and a life insurance payout from XXXX XXXX was issued for the XXXX XXXX Irrevocable Trust. I, XXXX XXXX, am a Trustee of the Irrevocable Trust along with my brother XXXX XXXX. XXXX XXXX informed me the payout check in the amount of {$620000.00} was deposited/cashed at Wells Fargo. My share of this check is $ {$310000.00} as per the Trust Agreement. I went to Wells Fargo to inquire how the check was cashed without my signature or knowledge. The branch Rep. XXXX XXXX at Wells Fargo informed me that my brother opened an account in the name of the XXXX XXXX Irrrevocable Trust and had listed me as Survivor instead of Trustee and I had no access to the account. I provided the Trust papers confirming this account has incorrectly listed me as Survivor instead of Trustee and the branch manager reviewed the documents and confirmed this to be true. The branch representative called Wells Fargo Legal because I requested they correct the account and list me as Trustee or freeze the account until it was corrected. I emailed the Trust papers to the Wells Rep. and she forwarded it to Wells Fargo Legal while I was at the branch. Wells Fargo informed me there was nothing I could do and I must obtain a court order to obtain any information or make any change to the account. I had to pay an attorney {$4000.00} in order to obtain my share of the Trust. I also had no way to know if that money was taken while I waited for my brother to respond to the attorney. I returned to Wells Fargo on XX/XX/XXXX to inquire if the money was still in the account and they again refused to make any changes or release any information. Wells Fargo fully acknowledged the account was incorrectly opened based on the Trust Agreement but refused to make any corrections or place any hold on the funds. Wells Fargo opened the account without proper documentation and by refusing to correct the error cost me {$4000.00} in legal fees. I would like to file a complaint against Wells Fargo for costing me {$4000.00} even though they acknowledged this account was incorrectly opened. Thank you.
Consumer complaint received 2017-08-06
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Performant Financial Corporation (FL)

Complaint against Performant Recovery , Inc acting on behalf of XXXX XXXX XXXX XXXX XXXX XXXX : Account # XXXX. I have contacted Performant Recovery, Inc several times in regards to repayment arrangements for a student loan. I have never received a return phone call to discuss repayment options only threatening letters and emails. Now I have been sent another letter stating they have reported this debt against my credit. Performant Recovery, Inc does not answer their phones. The few times I have managed to get a live person, I am transferred to my " Account Representative '' to leave yet another voice mail for someone that never calls. The only things I receive are threatening letters that they will damage my credit, garnish my wages and take my Tax Return. These things have already occurred. I have all documentation, dates and names. I need confirmation that someone will actually look into this complaint before spending the time scanning, faxing and uploading documents.
Consumer complaint received 2020-12-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio America Asset Management, LLC (MN)

I told them XX/XX/2020 to stop calling, per Goverment law, since then they have called everyday, just differant numbers, I told themI was going to bill them {$1000.00} every time they call
Consumer complaint received 2017-08-06
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. (NY)

An account that was deleted off my XXXX and equifax credit report was re-inserted and put back on my credit reports. This account ( XXXX XXXX XXXX XXXX ) was removed now upon checking my reports it is showing as accounts that are closed and as a charge off. XXXX has it listed under accounts that are closed and marked as needs attention ( which is wrong ). This account was completely removed off my report as it was suppose to be ( according to corporate office over at XXXX XXXX XXXX ). Equifax has it listed just as a closed account but upon reviewing the closed account it shows charged off. This account was completely deleted off my reports and now re-inserted into a different spot. Once deleted they are not suppose to re-insert.
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAC Financial Corp (FL)

On XXXX XXXX, 2020, CAC FINANIAL CORP add a derogatory mark on my credit reports. CAC FINANIAL CORP did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2017-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I was taken to court by Portfolio Recovery in XXXX of 2017 for an XXXX XXXX and a XXXX XXXX account that was n't mine. I told the lawyer that the accounts were n't mine but I was still told that I would have to pay these accounts or I was going to have my wages garnished! So on XXXX XXXX 2017 I made a payment of {$900.00} to the XXXX XXXX account and {$500.00} payment to the XXXX XXXX account. Also on XXXX XXXX XXXX I made an additional payment of {$100.00} to the XXXX XXXX account. I 've gone back and forth with Portfolio Recovery and the Credit Bureau for months trying to get some answers. On XXXX XXXX 2017 XXXX proved that those accounts did not belong to me and now Portfolio Recovery does n't want to refund me my money. I spoke with agent XXXX XXXX ID number XXXX in the dispute department in XXXX 0f 2017 and he told me that if the accounts came back as not mine that I would be refunded my money. Now now one will let me speak with him and keep telling my that they would never say they would refund my money.
Consumer complaint received 2017-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (IL)

I have attempted on numerous occasions to request my annual credit from Experian, XXXX and XXXX, respectively. Each request has been denied and I have been asked to submit a payment by mail. I wish to view my free credit report ONLINE. I have only used ONE name my entire life and I have only used ONE social security number my entire life. So I am concerned about the difficulty these companies appear to encounter when processing my request.