davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-09
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (CA)

My parents had a reverse mortgage with Wells Fargo Bank, father passed away XXXX XXXX, XXXX. I notified Wells Fargo Reverse Mortgage that I intended to purchase the property. They have put me off many, many times by withholding necessary information for me to save the property. 
When I could n't find my parents ' will, a Reverse Mortgage Home Preservation Specialist told me to fax my birth certificate, which I found out too late by others in the department, had no bearing in any way. They changed Home Preservation Specialists many times, transferred me into voice mailboxes that were full, was transferred into voice mailboxes that were supposed to supervisors, but we 're not, and when I did leave voice mail messages, no one would return my calls. When I requested to speak to a supervisor, I was told, they are out to lunch '', they are in a meeting '', " they are on the phone ''. They never gave me any names of any supervisors, and Home Preservation Specialists would promise a call-back within 48 hours, but no supervisor has ever called me. 
When I finally found my parents ' wills, I went to the Main Branch of Wells Fargo, at XXXX XXXX XXXX XXXX XXXX, here in XXXX and asked for help. A representative phoned Wells Fargo Reverse Mortgage Department, spoke at length with a Home Preservation Specialist, and was obtain much information that had been withheld from me ; she also faxed both of my parents ' wills and a letter requesting a delay of proceedings. 
Seven days later, they issued a Notice of Default. 
I was referred to a Wells Fargo loan specialist, who I spoke with once, he promised to call me the next day, but did not. I got the name of another loan specialist, my brother secured a loan, we faxed the pre-approval letter to Wells Fargo Reverse Mortgage. 
The Default Notice names XXXX XXXX XXXX XXXX XXXX, which I have contacted for help, but nothing has changed. They refer me back to Wells Fargo Mortgage listed on Notice of Default, but they had no information on me, even though I am executor, and refused to speak with me. I had to fax wills to them. They told me it would take 72 hours to process, before they would discuss matters with me. When I called back after the 72 hours, I was told it takes 7-10 days to process. 
I am running out of time to save this property I only last week found out that we needed a probate lawyer Lawyer began his part Friday, XXXX XXXX, XXXX, but probate takes 60 days We were given 90 days to respond to Notice of Default Probate will take us beyond that date Wells Fargo has refused to requests to work with them SELECTIONS BELOW DO GIVE PROPER DESCRIPTION. I am making a selection because it is required, but it is NOT ACCURATE
Consumer complaint received 2017-03-09
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2012, XX/XX/2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2016-09-13
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo solicited me for a new Wells Fargo Cash Wise Credit Visa Card, indicating an interest APR of 13.24 % - 25.24 %. Since I am an existing Wells Fargo mortgage customer, and previously maintained a Wells Fargo credit card ( responsibly maintained and seldom used, so it was cancelled in XXXX by Wells Fargo, with an interest rate of 15 % APR ), I opted to apply for the new card. I was immediately approved for a {$10000.00} credit line. However, when I received my card, the established interest rate was incredibly high at 21.24 %. My XXXX score at the time of approval was XXXX, and now is above XXXX, which I though was very good. Wells Fargo indicates that the credit card interest rate is determined upon creditworthiness. I 'm outraged at the deception by Wells Fargo to " bait and switch '' a customer thinking that a very good XXXX score would receive the lowest interest rate. I assumed the worst interest rate I could have received was 15 %, based on my previously unused Wells Fargo credit card. This is Wells Fargo at their worst, to price gouge and deceptively cheat customers by generating exorbitant fees. Their unfair practices must stop. I 've filed a complaint with Wells Fargo Customer Service XXXX XXXX, reference number : XXXX on XXXX/XXXX/XXXX. Thank you for your continue protection of the consumer!! 

XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I purchased a Home in XXXX and had been paying the mortgage by auto pay for the last 15 years, however in XXXX the mortgage sold the mortgage loan to XXXX XXXX  and reported the mortgage payments late even the the account number never changed and they were still receiving payments. These payments were never late, but they are still showing on my credit report as late, even though the company said this was there mistake. They assured me that the late payments would be removed, however they are still showing late on my current credit reports.
Consumer complaint received 2017-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (AZ)

I had opened the BMO Harris account successfully. But some or the other way I am getting a lot of messages from BMO Harris bank that something is missing? I was asked to provide the signature card - which i provided and they got it. But still they keep on saying that something is missing and they will close the account.
When you call them at this toll free # and chat with them - they have no idea. I have no idea what 's going on.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2017-07-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

i purchased a car thru capital one finance ... i have already filed a claim and the have responded back from my claim ... .they said the reason i was charged 13 and 1/6th percent is because the loan went over by XXXX ... ..if that was the case why was i not told that why was i not giving the opportunity to accept or decline the new percentage rate ... .why was i not given the opportunity to pay the additional XXXX ... ..why would i allow cap one to charge me 3 percent onto my loan over 6yrs just because the loan went over by XXXX ... ..no one gave me the opportunity to make that decision ... ..noone ever said or explain to me that the reason the interst rate was higher was because the car loan went over by XXXX ... ... cap one can not make that decision for me ... .i should have been given the opportunity to make the decision not cap one ... ..
Consumer complaint received 2017-07-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Bread Financial Holdings, Inc. (NY)

Commenity Bank called me a couple days ago, they told me that they were su eing me for theft of services, and that they could seize my XXXX, I tried to tell them that they ca n't touch it, but the guy kept insisting that they can.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

XXXX XXXX, 2023 Bank Of America 's app accidentally, instantaneously, and without ANY warning paid off my Bank of America credit card TWICE OVER by taking an extra {$500.00} ( {$480.00} ) out of my Bank of America checking account when 1 had already paid off the entire {$500.00} credit card balance a week ago. I spent four hours on the phone this morning getting transferred around and being given different phone numbers to call, then calling XXXX was finally told they'd refund my money in a few minutes and gave me a confirmation number XXXX Then the money was never refunded. So that late afternoon I called back, was again kept on the phone for over an hour being transferred around, and was mocked, snubbed, and was told by XXXX the " manager '' that he doubted my story, even though he could see the facts of the overpayment on my credit card and withdrawal from my checking right in front of him. Instead of having a XXXX balance, I have an OVERPAYMENT of about {$500.00} on my credit card. Then they said there's NOTHING they can do about it to refund my checking account today. They say that, although they transferred the money OUT of my checking account instantaneously, that it will take them TEN DAYS to put the money back. My checking account has been completely drained by their mistakes. 1 don't have ten days to pay my other bills due now! And, they say if I were to just go to the ATM and withdraw the extra funds from my credit card, they would actually CHARGE me interest and cash advance fees on it!!! This is criminal behavior. Why can Bank Of America get away with this? Why don't they have to pay ME interest. 
cash advance or overdraft fees?
Consumer complaint received 2017-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NM)

This company has been contacted many times and I have asked to documents showing the contract I signed. They have sent nothing in response to dept validation request. In addition I was never officially informed this company was attempting to collect any debt. They have information that is not mine such as addresses.
Consumer complaint received 2017-04-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

I have a savings account with HSBC bank that is now in dormancy because there was no  activity on it for a period of time. The account has funds in it which I would like to access. I 've called HSBC three times over the last month to have them send me a form to release the account from dormancy status so I can access it. I live in a state where there are no HSBC branches, so I ca n't easily get access to the form. I also sent HSBC a notarized letter asking them to release the account from dormancy. To date nothing has been done. HBSC has been unresponsive when I ' ve called, telling me I just need to wait for the form in the mail. When I called on  XXXX , I spoke with someone named  XXXX . The second time I called on  XXXX , I spoke with someone named  XXXX . The third time I calle d (  on  XXXX  ) I spoke with someone named  XXXX . They have refused to email me the form, or send it to me via expedited shipping where it can be tracked.
Consumer complaint received 2017-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I recently open an account with Citi Diamond Preferred. I was never sent a statement, neither by mail, or email. I contacted Citi on XX/XX/17 to inquire why I was never sent a statement. I was told by the CSR that I was enrolled in paperless statements despite the fact that I never enrolled in, nor agreed to, paperless statements. The CSR informed me that Citi would be unable to remove the {$25.00} late fee. I immediately instructed the CSR to close my account and I made the minimum payment for the amount of {$180.00}. It is also worth noting that my credit report is excellent, and my payment history is exceptional.
Consumer complaint received 2017-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

I contacted Experian regarding two accounts that were opened as a result of Identity Theft Experian removed one of the accounts which was found to be fraudulent that being XXXX XXXX XXXX XXXX acctXXXX .... Bal Account charged off. {$5900.00}. They advised upon removal it was found to be fraudulent and was removed in 2016 Experian advised the Creditor requested contact as well. So I contacted XXXX as they said I should I then provided them all of my contact info per their request. Now a year later they reinserted the previously deleted information and Experian subsequently is verifying the account as my own since XXXX now has all of my actual information. This in itself in is a violation of FCRA and XXXX. This account needs to be removed immediately and any reinsertion is to be barred. I did the same thing with XXXX - XXXX XXXX Address : XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Account Number : XXXX .... 
I was advised this account was opened via a credit alert. Immediately notified experian and requested removal. I contacted the creditor provided them my info which they subsequently added to said account. Now once again Experian is " verifying as my own '' the information on the account was out of New york a place I have never resided. This again needs to be removed immediately. There was also a credit fraud alert on all 3 bureaus advising I must be contacted prior to opening any accounts which was not done as well. These accounts are fraud and should not be listed. If they are still on my credit in 30 days I will be filing a lawsuit against Experian. 
The following Inquires are also a result of the above listed fraud and must be removed : 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 2023-06-11
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: LEXISNEXIS (NY)

Lexis Nexis, XXXX XXXX and XXXX is violating my federally protected rights and reporting misleading information I have not given them permissible purpose to use my furnish my private personal information also The CIVIL COURT OF THE CITY OF NEW YORK - KINGS BRANCH Did not furnish the information therefore it can not be verified as accurate stating that the information is verified is fraud and misleading and is a violation of federal Law. instead you infringe upon my privacy.
Consumer complaint received 2017-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 

I have an Inquire from XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2016 which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score.
Consumer complaint received 2017-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 

I have an Inquire from XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2016 which I do not recognize. I did not and have not approved this in any manner. This information  was reported incorrectly on my credit report and is affecting my score.
Consumer complaint received 2017-07-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (KS)

Called Ditech today spoke to XXXX who was extremely rude. I asked for XXXX XXXX said she was not in that he can handle my call proceeded to harass me about the {$4200.00} arrearage and asked when I can pay it refused to allow me to speak to XXXX. I asked for her voicemail and was told she did n't have one which I know for a fact is a lie. Called back spoke with XXXX, again asked for XXXX at extension XXXX and was told she was not available ask for her voicemail again and was told voicemail box do n't work during business hours. XXXX said she would email XXXX this was at XXXX XXXX XXXX it is is XXXX XXXX  and I still have not received a call. This is the runaround I have gotten. Three weeks ago tomorrow I spoke to XXXX with Ditech explained that the link I was mailed was expired she said she would email the paperwork to date I still have not received. I will try to open the attach sent with the response on this. I have all the paperwork except the paperwork from Ditech.
Consumer complaint received 2017-04-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (NE)

We paid off the  XXXX   XXXX  in  XXXX    XXXX  . We called in  XXXX  and were sent a letter on  XXXX / XXXX /  XXXX   that states " Chrysler Capital recognizes the above reference account as paid in full on  XXXX  ''. The letter asks us to wait 30 days. We are well past 30 days and still no title. We can not sell or trade the vehicle without a title.     We met our obligations and expect Chrysler Capital to send the title  ASAP P.S.    I am unable to upload the letter
Consumer complaint received 2017-04-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG FINANCIAL CORPORATION (AZ)

I had a registration loan in the amount of {$4500.00}. I was never given the option to opt out of ACH. When i was unable to pay the high payments i attempted to refinance. I was instructed that i must pay  1/3 o f the principle to refinance for a lower more affordable rate. That would be approx. {$1500.00}. When i attempted to refinance they then told me that it was not on ly 1/3 of t he principle but also interest. This fraud caused me to default on the loan.
Consumer complaint received 2017-04-24
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (MO)

I have student loans that my mother cosigned for. They intercept my tax refund every year although I have been paying $  XXXX  / mon th also. I have not been able to pay this year but they did receive over {$1000.00} from my refund. My mother ( who cosigned ) is elderly and on SS. I am currently unemployed due to no transportation  (  very rural area ). We live together and between the  XXXX  of us (  XXXX  separate cell phones ) they call a minimum of 15 times daily. They use many different numbers. This is Transworld Systems Inc. The lady  XXXX  was abusive verbally to me when I answered several months ago. They 've been relentless since at least  XXXX . We are 100 % fed up with so many calls every day. I will not put up with being told I am a " burden on my mother '' and " need to get a job '' again. I 'm currently unable to make any payment but the ones I have add up to over $  XXXX  /month. This  company needs to stop their bullying and harrassment!!
Consumer complaint received 2017-04-24
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: Experian Information Solutions Inc. (TN)

I attempted to make a Payment to   XXXX   XXXX  a  old collection on my credit report. I informed the Credit bureau that the debt was in error and further that they had no recent history or activity of my account. I only found out about this company by looking at my credit report in the first place, NOT directly from the company. Further there is limited information on my credit report about this company. SO First last month I disputed that line item found on my credit report, However I was told it was valid, based only the word of the credit bureau ONLY and not on them presenting external verification that the tradeline was valid or active or legit from  3rd p arty.     I resolved to test the validity of the tradeline based ONLY on the information found in my credit report by THIS credit Reporting company. I sent them a test payment to see if it would post to the account in question with this company using only the tradeline information in my report.     The result?   The Payment was returned. They (   XXXX   XXXX   ) could NOT find or verify my account using the information found in my credit profile.     This me ans two th ings : : : They do n't have me  as a credit collections c lient and therefore it should be remove according to FCRA la w [ 623 ( a  ) ( b ) ]. Or ....     Whatever is reporting is reporting so erroneously the data does n't line up and is so corrupted that it again according to FRCA law  [ 623 ( a ) (  b ) ] should also be removed.
Consumer complaint received 2017-04-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: LendingPoint Holdings LLC (OR)

I went to the following website.    XXXX   XXXX   XXXX    XXXX . Looked at several pre-qualified offers and did not like any of them with insane rates of 30 % being offered so I did not apply.  XXXX  it seems sent my information to  LendingPoint, LLC Telephone nu mber :  XXXX .  LendingPoint th en submitted an application without my consent. I called them and they told me there was nothing they could do to help and the credit inquiry would fall out in two years.