davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Navient Solutions, LLC. (TX)

I never received notice of my right to dispute this debt. My consumer rights have been violated by the reporting of this debt to my credit reports. 

This account should be removed from all credit reports immediately.
Consumer complaint received 2016-09-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I have a mortgage account with Wells Fargo. Any payments I make early are not applied to the principal until the first of the month. The payments are marked " unapplied '' and I do not receive any interest credit, as well. Rest assured, they are making interest income on my money. I have had XXXX mortgage accounts with them and it was the same as this is their policy. 
This seems like theft to me and I think it may be illegal, certainly unfair.
Consumer complaint received 2016-12-04
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

RE : Bank of America HELOC account number XXXX Bank of America has de-listed my HELOC account from my login into their website to make payments. They also quit sending me statements. I have spoke to them and they requested assistance and complied with sending them the information pertaining to paystubs, bank statements, etc. which I have provided to them. I have proff from USPS tracking they received them. However, they will not contact me to let me konw the status since I am unable to view the account online or see any statements via USPS mail since they discontinued that. I would like to know the status of my HELOC and what I can do to get it restored, however they are not compliying. Due to my long work hours XXXX - XXXX Monday through Friday, I am unable to receive or make phone calls during those hours. Therefore I 've requested they send me updates via USPS mail or email and they have not. They request that I call them, which is impossible due to my work.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXXXX/XX/XXXX I AM A VICTIM OF ID THEFT I NEVER GAVE PERMISSION FOR ANY OF THESE ACCOUNTS
Consumer complaint received 2015-05-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

I originally applied for loan modification, but was denied, then I agreed to a repayment plan and the rep ( XXXX XXXX ) who is RM on file and he said he would get the repayment plan approved by his manager and get back to me. 20 days later still have not heard from him, I called several times left message and other reps in the department said he would have to help me, then took his manager number who is XXXX XXXX, left her message and still havent heard back. They are very unprofessional, my loan is in foreclosure accruing more fees everyday but yet no one cares to return my call and help me get out of deafult.
Consumer complaint received 2015-11-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (WY)

My home was foreclosed in XXXX 2012. The XXXX lien holder, Wells Fargo, did not follow proper procedure about closing the loan out. They now are recording my loan as an Unknown status, which is preventing me from moving on with my life and securing a new mortgage on a lesser home 3.5 years later. I am told that they must record the mortgage status as foreclosed or written off, and they are not doing so on my FICO report.
Consumer complaint received 2016-06-07
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In general, I believe that credit card treatment of foreign exchange transactions is an area full of undisclosed charges and unfair treatment of consumers. I would ask CFPB to examine this area. The proximate cause of my complaint is an instance with my BankAmericard where I was charged a foreign exchange fee of 3 % on a transaction denominated in US $ -- with a value of {$980.00}. Under Bankamericard terms, they charge the fee whether the transaction is in foreign currency OR in US $ processed outside of the US. My complaint is that this is a rather obscure fee that has no connection to any business costs that Bank of America actually generates. Further, the method that credit card companies use to determine the foreign exchange rates assessed on consumer transactions do not appear to bear much relationship to the wholesale FX costs that they actually pay.
Consumer complaint received 2017-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

Basic Complaint : XXXX XXXX, XXXX Between XXXX, XXXX and XXXX, XXXX, my student loan increased by the amount of {$3.00}, XXXX. More specifically, according to Navient, the balance of this loan was {$30.00}, XXXX on XXXX XXXX, XXXX and by XXXX, XXXX, the same loan cited a balance of {$34.00}, XXXX. It is highly unusual for any student loan balance to have increased several XXXX dollars in less than six months. 
To date, there has been no explanation by Navient or XXXX XXXX on this matter. 
During several months, Navient did not report any type of accrued interest on this loan. 
However, in XXXX, XXXX, Navient processed the accrued interest even though I resided in a subsidized housing for the first time, and I had lost major employment due to our nation 's earlier recession. There is no specific logic for this loan balance increase. 
I am holding Navient accountable for processing my student loan with accuracy as well as consistency. As a result, I am requesting an immediate overview of the accounting processing of this loan to correct the issues cited above. 
Thank you for a prompt response. 
Attachments
Consumer complaint received 2016-02-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XXXX I had to file a personal bankruptcy ( due XXXX bankruptcy filing ). Bank of America ( BOA ) listed my personal home mortgage as a charge off on my credit reports. ( Only XXXX credit cards used for my business were included in the bankruptcy filing. ) Twice I contacted the BOA credit department who informed me that I had never missed a payment, nor had I ever been late on a payment and that the credit report would be changed to remove the charge off. Both times subsequent credit cheks revealed the charge off had not been removed. Another BOA department informed me that I had not signed a letter of reaffirmation within 30 days of my bankruptcy filing. Neither BOA or my attorney informed me that this was required or might be required. BOA said the reaffirmation signing was a company policy, not a law, and still refused to remove the charge off from my credit reports. I have always maintained a pristine credit rating my entire life and find their policy to be extremely unfair.
Consumer complaint received 2017-03-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

My mortgage was current with XXXX. I became unemployed and it took XXXX months for keep home CA to start making payments on my mortgage so once they started making payments my mortgage became XXXX months behind even though they were paying each month. Initially the program paid the wring amount because XXXX all of a sudden said my reduced interest rate from NACA was only temporary but NACA says it was permanent. During this time my mortgage was sold by XXXX to SHELLPOINT Mortgage Servicing. Once keep home Calif stopped paying my mortgage was immediately XXXX months behind. As I was only working part time I couldnt pay my mortgage and it became past due. I was working with the Shellpoint mortgage company who sent me a request for documents. I sent the same documents 4 times and they sent me acknowledgement letters saying they were working on my information for lian modification but just put my home in default and foreclosure while still requesting the same documents already sent several times. Shellpoint did nothing to help me keep my home at all.
Consumer complaint received 2017-02-20
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (CA)

On Sunday XX/XX/2017 my attorney went to charge card {$500.00} I had {$570.00} deposited. See attached. 
Wells Fargo mysteriously decided to put a " limit, '' on what my debit card can be charged daily. This was made up on the fly and never existed before nor I had I been subjected to such ridiculous restrictions with my debit card. 
I do not appreciate the wrongful interference on the part of WF and their Fraud department hiding behind false claims of fraud when there was no fraudulent activity in the first place reflected on my bank account. All my charges are tracked online and there was nothing out of the ordinary and there was no need to " flag '' my account for fraud. 
The entire time I 've had this card I was able to charge over {$500.00} a day and never had a problem with it nor has my checking account flagged for fraud. This so called fake new " limit '' ( and excuse ) placed by Wells Fargo is not for withdrawal at an ATM it is for charging my card which has funds available. I am sure Wells Fargo will provide lame excuses about how they are protecting my account when in fact that is far from the case. 
This was deliberate, and unacceptable. Wells Fargo is corrupted.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$3300.00} XX/XX/ 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-12-04
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Global Credit & Collection Corporation (CT)

Global Credit and Collection Corporation ( XXXX XXXX, Global Credit and Collection Corp., XXXX XXXX, NJ - XXXX ) has apparently been calling at least one of my former co-workers for several weeks, sharing all of my information, about an alleged debt. I am not even sure what debt this is about. I have been working to pay off credit card debt, but this company contacted me for the first time yesterday, yet has been harassing at least one person I know.
Consumer complaint received 2015-05-18
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (WI)

HiOn XXXX XXXX, 2015 I requested wire transfer of {$4000.00} to my friend in XXXX XXXX 's XXXX and XXXX XXXX, XXXX Mgr at Wells Fargo Bank XXXX Wisconsin XXXX XXXX XXXX XXXX did wire it on XX/XX/2015 Monday XX/XX/2015. She is telling me to get full details of receiver and atty. XXXX after sending wired sum that I gave in cash. 
I am unable to get their info and requested that it is Wells fargo Bank 's responsibility as they did contact XXXX XXXX 's office thru their e-mail system and it was quickly replied by his office. 
I have repeated ly requested XXXX XXXX, Serv Mgr to recall wired sum and credit my cheking account with them. She is giving me run around. 
Please help get wired sum back in my bank account with them immediately. 

My name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX XXXX, wi-XXXX. 
Checking A/c # XXXX
Consumer complaint received 2016-06-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

This debt has remained on my credit report for months after it was paid off. The collection agency responsible for removing this from my credit report has even written a letter stating they would take the debt off my report but as of yet they have not. I want this debt removed. I long ago paid exactly what these people asked for and they are still not removing the debt. I am tired of my credit suffering because of their inability to conduct business in a timely manner. The collection agency is Pro Collect in XXXX.
Consumer complaint received 2017-03-08
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TCF NATIONAL BANK (FL)

I obtained a vehicle loan with Gateway One lending and Finance in XXXX of XXXX on a XXXX XXXX XXXX. The car was repossessed in XXXX of XXXX, however I did not receive information as far as the date of the auction, location, or the amount the car was purchased for. I was checking my credit report and notice I had an outstanding balance remaining on the account for {$22000.00}. I did not purchase the car new and had missed XXXX payments prior to repossession. I do not understand why the outstanding balance is so high or why I was not noticed of what the car was sold for. I also do not believe the balance listed on my credit report is accurate. I would like to see physical proof of what the lender received for the car, and the balance owed corrected.
Consumer complaint received 2015-09-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (OH)

I am writing in regard to XXXX account XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, Ohio XXXX. I was a long time subscriber to XXXX for 9 1/2 years. At age XXXX, I subscribed at the lowest price point because my income is well below the poverty level ( just a little over {$12000.00} a year ). A XXXX telemarketer contacted me and thanked me for being a long time subscriber and told me that I was eligible for a free upgrade to High Definition service. The telemarketer used unfair and deceptive marketing practices by telling me that I would also receive 3 months of premium movie channels at no charge. XXXX failed to adequately disclose the true nature of the deal in a manner that I could understand, which resulted in much higher prices, unauthorized charges and a requirement that I maintain the new rate for 2 years. XXXX used high pressure predatory practices by targeting me as an elderly person, who XXXX gets confused over the details. All I understood is that I was being rewarded for being a good customer with free services. 
When I saw my next invoice, I saw that my subscription price more than doubled which I did not expect, and could not afford. When I called XXXX about the unauthorized charges, they would not allow me to go back my original plan and told me that I was stuck at the new rate for 2 years. I then told XXXX that I wanted to cancel all services and was told that I would be charged for a verbal 2 year contract. I cancelled my service and returned the required equipment. XXXX 's predatory, and deceptive practices was confusing to me at my age. 
XXXX has since issued collection actions through Diversified Consultants XXXX Agency reference # XXXX XXXX in the amount of {$470.00} which hit my credit rating. I am requesting that XXXX cancel all inaccurately perceived debts due as a result of their deceptive actions, cancel collection actions including repeated phone calls, and rescind the credit rating incident, in order to restore my credit rating to pre incident levels.
Consumer complaint received 2015-11-15
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NCB Management Services Inc. (NC)

NCB Management Services Incorporated is currently collecting a debt for XXXX different original creditors. XXXX acquired the loan ( via assignment ) on XXXX/XXXX/XXXX ( see attached ) and XXXX XXXX acquired the loan ( via assignment ) on XXXX/XXXX/XXXX ( see attached ). The original creditor was XXXX XXXX Bank who acquired the loan on XXXX/XXXX/XXXX when I purchased a XXXX XXXX at XXXX XXXX XXXX in XXXX, North Carolina XXXX see attached ). 

Neither XXXX XXXX XXXX nor XXXX XXXX is the original creditor as claimed by NCB Management ( see attached ). On XXXX/XXXX/XXXX, I asked NCB Management Services , Inc., for full and complete verification and validation of the collection account pursuant to Section 809 of 15 U.S.C. XX/XX/XXXX ( g ) of the Fair Debt Collection Practices Act. On XXXX/XXXX/XXXX, NCB Management Services XXXX Inc., claimed that XXXX XXXX XXXX was the original creditor for which it was collecting ( see attached ). On XXXX/XXXX/XXXX, after asking for validation of the debt, NCB Management Services XXXX Inc., provided me documentation which did not mention XXXX XXXX XXXX as the original creditor ( see attached ). Instead, XXXX XXXX was mentioned as the original creditor. This information is ambiguous, misleading, and false.
Consumer complaint received 2016-03-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

Yesterday I received my monthly mortgage statement from Seterus and the amount due had doubled. 

Last month the amount due was {$400.00} and for XX/XX/XXXX the amount due is {$990.00}. No explanation for the increase was included and the account is current. To my knowledge I have never paid a late fee and have paid down the principal with almost every payment. 

This is a variable loan. No prior letter was sent that the rate adjusted from XXXX % to XXXX %. In the past I got a letter explaining why the rate changed and even if it did not change they sent a letter confirming the interest rate. 

The principal amount due increased {$530.00}. This huge increase came with no explanation or description of any kind. 

At the time I took out this loan with XXXX XXXX XXXX this balloon increase was never told to me. I clearly remember seeing a diagram in the loan documentation that showed the rate increasing - I asked about this and was told this was an example of the variable rate increasing. 

I was never told this was a time bomb loan - I was told it was principal only loan and if I did not pay it off by the term of the loan - I would have to refinance the property. 

Seterus purchased a loan with a time bomb in it and never gave me advance warning - beyond 45 days of XXXX rate increases.
Consumer complaint received 2015-04-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The Identity Theft Assistance XXXX is a nonprofit dedicated to working with industry, law enforcement and government to help consumers prevent, detect and recover from identity theft. Founded in 2004, our mission was to put consumers and their experiences XXXX in the fight against identity fraud. 

I was a former customer of Bank Of America Corporation. Bank Of America Corporation closed my account after I was a victim of documented fraud. 

However, contrary to the XXXX policies and marketing material available via XXXX : XXXX Bank Of America Corporation refused to provide me with a referral to the Identity Theft Assistance Center.
Consumer complaint received 2016-10-10
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I have funds automatically withdrawn from another bank account to cover a monthly payment I have with the bank I am submitting the complaint against. Somehow my account became {$50.00} in arrears so I transferred funds from another bank to cover this debit. The long and short of this is that the bank charged me {$65.00} in over draft fees because of this {$50.00} debit that apparently existed for 6 days. I feel this is not only excessive but punitive and violates banking law.
Consumer complaint received 2016-07-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (WI)

When applying for a loan with my credit union this XXXX, I discovered there was a collection listed with Diversified Consultants , Inc . I looked into the matter further, and it was in reference to an account that I had with XXXX. They were trying to charge me, after 2month of bad reception in my area, for not returning a phone to them. But I never received a phone from them. I bought my unlocked phone XXXX XXXX XXXX, on XXXX and ordered a sim card from the carrier. I explained this to the lady over the phone. She said that whether the charge was valid or not, if I did n't pay it that it would damage my credit. So I paid it in order to have it not harm my credit. I just had my credit checked again last week and I found out it is still damaging my credit. I tried calling them, and they said since I had paid them already it was a valid charge and I no longer have the option to dispute it. They never told me that I could dispute it when I called them in XXXX. They just wanted to make a profit. I asked them for them to provide my information showing that the debt was valid in the first place so I could go about disputing it directly with the credit bureau. They said that XXXX has this information, not them. So I called XXXX and they said they no longer have that information, but Diversified does. I called them back, and they told me the same thing. I feel like this company gave me false information, they are giving me the run-around and now I am paying the price for it by having damaged credit which is preventing me from getting a good interest rate.
Consumer complaint received 2016-07-14
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (IN)

First of all, when I hit the icon " Submit '', I did n't see the fee/interest until afterward. I received only {$400.00} and the payment was on the wrong day on purpose. They took the payment on the second Friday and I get pay three days later of the first week. The worst part of this is 866.8124 % annual percentage rate. If I has seen this, I would have never hit the word " Submit ''. I was so shock I was saw this. What I did saw was {$540.00} to pay back. When they set up the payment date ahead of the beginning of my new biweekly wage, I had a hard paying all {$540.00}. It hit me that they did it on purpose.