davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CT)

My complaint is against Wells Fargo Bank. I am the beneficiary of an IRA owned by my deceased uncle, XXXX XXXX XXXX. I began the process of closing out the IRA and collecting my proceeds in XXXX 2017. To date it has not been received. I have been told the distribution check was issued from Wells Fargo on XXXX XXXX, 2017. The check has yet been sent to me. I have had the local Post Office involved and most specifically my mail carrier checking on its receipt. Consequently, I signed non-receipt and stop payment affidavits and faxed to Wells Fargo on XXXX XXXX, 2017. I have been advised that the check will not be reissued for 90 days and if I chose, I can purchase a Surety Bond to get the check earlier than 90 days. I have also been told that there is no appeal process to this management decision. I would like this investigated. I have all of my documentation if required. I started the process to cash in this account in XXXX 2017 and was misled by Wells Fargo employees several times, providing me with incorrect forms resulting in back and forth communications delaying this process. I have received confusing and contradictory requests from Wells Fargo preventing me from accessing my funds. I have never had as much problem with a bank as I have had with Wells Fargo. I urge anyone reading this to refrain from doing any business with Wells Fargo. Their rules and regulations are NOT consumer friendly, their response to problems is lengthy and difficult.
Consumer complaint received 2024-10-29
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)

Consumer Name : XXXX XXXX, Consumer Social Security Number Last XXXX : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a business credit card opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a business credit card opened with XXXX XXXX opened on XX/XX/XXXX with the account number XXXX, a business credit card opened with XXXX XXXX opened on XX/XX/XXXX with the account number XXXX, a business credit card opened with XXXX XXXX opened on XX/XX/XXXX with the account number XXXX, and a personal credit card opened at XXXX XXXX  on XX/XX/XXXX under account number XXXX, a personal credit card opened with XXXX XXXX Bank XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, a personal credit card opened with XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX under the account number XXXX, a personal credit card opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a personal credit card opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a personal credit card opened with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a personal credit card opened with XXXX  XXXX opened on XX/XX/XXXX under the account number XXXX, an auto loan opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, A utility account opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a collection account opened with XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a collection account opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported.The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2016-09-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have been a Bank of America customer for more than a decade. This has not stopped them from stealing from me! 
I have XXXX complaints 1. 
Because of hard financial situation, I sometimes overdraw my account and gladly pay the regular {$35.00} overdraft fee. 
On Teusday XXXX/XXXX/2016, I needed to do this again. I checked my account to confirm that XXXX {$50.00} and XXXX {$100.00} payments I had made to my credit card were posted and they were. The balance on my account showed {$320.00}. I needed cash {$500.00}. I overdrew my account and waited to be charged the reguilar {$35.00}. To my shock the next day, I have been charged {$35.00} for each of the transactions listed above i.e. {$35.00} x XXXX BOA said that same day AFTER I overdrew the accounts, the payments for my credit card were presented!!! This is a lie! I saw them posted with my two eyes the day before! I regret not taking a snap short of the account that day. I made the payments on Friday, they do not take that long to post. I have made such payments several times in the past! I am perplexed that a big bank like BOA continue to steal from hard working Americans like me. 
They have done this in the past. Is this legal? How can it be? 

2. I disputed a transaction with XXXX XXXX and was vindicated, the overdraft fee that was incurred then was returned. BOA refused to return the {$12.00} overdraft transfer fee for my credit card which was a backup for the account. The whole problem was due to systemic errors at XXXX hence I disputed the transaction. Why am I being made to pay for that? 
I tried to resolve this with BOA by calling their customer services but they insisisted the charges are valid. How can that be?
Consumer complaint received 2016-02-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NV)

We were renting the mobile home which the owner offered to sell to us. We went to Wells Fargo for financing since we did all of our banking with them. My wife and I first met with XXXX XXXX in XXXX of 2015 and discussed different financing options. At this time she informed us that we needed to have the monies for the down payment, etc. to be in the bank for at least 2 months before closing. This would push things into XXXX, 2015. I signed the sales contract with the owners on XXXX XXXX, 2015 with a closing date of XXXX XXXX, 2015. For the next 4-5 weeks we had little contact with XXXX. when I called I was sent to her answering machine or when I sent e-mails it would take days for her to answer. She even sent me a response that did not pertain to me, but someone else. Finally, around the middle of XXXX, 2015, XXXX started working on our loan. At one point she mentioned that she had been working on other loans that were easier because mine was so complex. I do n't know why. Unfortunately she did not work fast enough and the closing date arrived. At first the owners seemed to be open to extending the contract, but changed their minds and cancelled the contract. They retained a real estate agent and increased the sales price by {$6000.00}. They also wanted a closing date of XXXX XXXX, 2015. Since XXXX could not perform her obligations for financing in a timely manner, having had 6+ weeks. I decided to find other financing. With a new financing company I was able to close on XXXX XXXX, 2015. The owners were willing to extend the contracts due to the holidays. 
In conclusion, I feel that due to XXXX inattention and inaction concerning my loan. it has cost me {$6000.00} increase in the sales price plus the loan I did receive was at a higher rate than what she had guaranteed.
Consumer complaint received 2017-02-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I had a business account with bank of america, I never used the service, disputed the account, complained about my salesperson XXXX, after going round and round with this bank, they finally closed the account, with a XXXX balance, so I thought, while all this was going on, I filled a chapter XXXX bankruptcy, this account was included, the bank was notified, we gave them the attorney information, they were also notified by the bankruptcy courts, in fact I spoke to the bank directly, want to say about a month ago, which brings me to today, bank of america turned over a charged off business account to a collection agency, which is demanding payment, for an account that was already included in chapter XXXX bankruptcy, our bankruptcy is active/current, there are a few issues with their major mess up, first, they have already been notified of a chapter XXXX bankruptcy, months ago, the account they sent to collections was included, secondly, under an active chapter XXXX bankruptcy, at NO TIME are they allowed to collect a debt, while I am in the plan, which is for XXXX years, furthermore, they sent my account to a third party collection agency, without doing their due diligence, if they would have done their homework correctly, they would have properly documented my account and placed it in the collection que, which they did not, this bank and the collection agency XXXX XXXX XXXX CA XXXX phone number XXXX my file number XXXX, have violated my right under the FDCPA and Bankruptcy protection chapter XXXX ... ... ... ... 

On Thursday XX/XX/2017 I called the collection agency, spoke to XXXX of their XXXX, she was rude, kept talking over me, would not give me an opportunity to fully explain what is going on with this account, told her they bought bad paper, she wanted to argue with me, told me no they did not, she then told me " This is not going to be a XXXX way call '' then without giving me an opportunity to give my attorney information or explain whats going on she hung up on me ... ... ... .. 

This is clearly another violation under the FDCPA for harassment, if the collection agent, would have shut up and allowed me an opportunity to fully explain what was going on, this matter could have been resolved, without me filling a complaint against BOA and the collection agency, I want them prosecuted to the fullest extent of the law ... ... ... ...
Consumer complaint received 2016-11-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo was allowing my debit card purchases to go through even with insufficient funds and then charging me a fee. Rather than declining my card at the point of purchase. I was told it was due to the service being on my account. I called Wells Fargo customer service on XXXX/XXXX/2016 to remove " overdraft service '' from my account. I was partially refunded my overdraft fees during the previous billing cycle. I was also assured my card would be declined on any further purchase attempts when insufficient funds were present. I made it very clear to representative that I was switching banks and that if any other charges hit my account to deny and not pay them. I was assured this would be taken care of. Since this conversation with Wells Fargo, they have hit my account for XXXX overdraft fees for charges they did not even pay.
Consumer complaint received 2015-09-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I lost my wallet on the bus about a year ago and someone used my debit card and put a false check and took out cash. I made complaints about it and they sent me to XXXX. I had all my information in my wallet. Besides my social security card. Please help me in solving this issue because I need my debit card back. Thank you.
Consumer complaint received 2017-02-02
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

I was tricked into getting student loans through XXXX to continue my education at XXXX from XX/XX/XXXX to XX/XX/XXXX. The degree was a total scam because I the instructors where not certified in the field of study I was in. I was not able to hold a job because my skills were sub par. I have not been able to find a job in my field, now my loans have accrued to an ridiculous amount. Now Navient calls me non stop to pay my loans. I am applying for XXXX, only to find out I can not because of my loans. In interest alone, I am in debt over {$70000.00} dollars!!! I do n't know anything about how this works and I feel like I just ca n't get out of this hole. Please help someone! I have a wife and XXXX daughters that need me to be in a position of good standing. I feel like no one at Navient cares enough about me to help. I 'm just another number to them.
Consumer complaint received 2016-10-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: NAVY FEDERAL CREDIT UNION (FL)

I had unauthorized charges on a XXXX account ; those charges were paid by XXXX account ; my bank account was accessed to pay the pay pal charges ... my credit union " navy Federal '' has charged my accounts over ~ {$600.00} in NSF fees and overdraft protection fees I. Conjunction with this google play mishap ; they added ~ {$270.00} in NSF fees after I informed them to close my account it was compromised.
Consumer complaint received 2016-09-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

i have a open line of home equity credit with wells fargo. They claim that i owe over {$430.00} in backed interest. This is a lie! I have never been late or missed a single payment. the service rep i spoke provided me with little or no explanation and claims that this is backed money owed from when this loan was owned by XXXX XXXX. again this is a lie! i have never been late or missed a payment. it is common practice when a loan is sold from one bank to the next everything is done to rob the customer of every penny possible ( i.e " missing '' payments, hidden fees, and dishonest practices ). until wells fargo can prove i 've missed a payment or legitimately owe this money. I demand this amount be refunded as well as every penny i 've been paying extra to my principal balance off that wells fargo has been stealing, and making sure to hide it from my statements since before 2011
Consumer complaint received 2016-09-13
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Our alleged servicer/collector either purchased or had a debt transferred to them from Bank of America N.A on or about XX/XX/XXXX. XXXX has represented themselves as holders of the debt even after me the homeowner requested the proper validation of the alleged debt 2 times XX/XX/XXXX and 2 times XX/XX/XXXX without producing any present right to the debt or right of possession. They have also added approx {$10000.00} each month after the first request of the debt validation XX/XX/XXXX to intimidate and harass us. XXXX refuses to sign for the registered receipts and refuses to show any valid contract as to the amounts being added. Furthermore they filed a notice of trustee sale on XXXX asking for an amount of debt that is {$300000.00} beyond the amount stated on the deed of trust and secured, hence violating the FDCPA through their attempt to collect a debt through deceptive and wrongful actions. Lastly, they have reported private information and employed another third party to attempt the illegal disposition of the real property at XXXX XXXX, XXXX, ca XXXX in contradiction of the homeowner notifying them through a " cfpb '' disclosure that they were not allowed to disclose any information. This company and its holding company XXXX XXXX XXXX have brought a new level of fraudulent activity into the market place in order to be unjustly enriched through their violations of law, Federal and State. This is a request for an investigation of this fraudulent company and their illegal actions against XXXX homeowners that are now XXXX years old and are in constant harassment and intimidation by this company and their newly appointed " trustee '' and illegal collector of the debt employing and using Unfair, deceptive, and abusive Business practices which can be observed in their filing of Notice of Trustee which has never been verified and is in noncompliance due to violations of the law. The homeowner has identified over XXXX violations just on the Notice of trustee and the fact that this Notice of Trustee was filed without a proper Notice of Default being recorded. In addition this company has employed false documents and has recorded them with the county recorders office to show a false interest in the debt.
Consumer complaint received 2016-05-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I submitted a previous complaint approximately 2 weeks ago against Bank of America and there unethical tactics. 
After I filed a complaint # XXXX, I received a Certified letter ( the following week ) from Bank of America on XXXX/XXXX/2016 stating my mortgage was 2 months behind, and that is a lie!!!! Currently, I 'm seeking legal advice from an attorney against Bank of America. This is unprofessional, unethical and morally wrong against someone that pays there mortgage every month!! This seems like retaliation.
Consumer complaint received 2017-02-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (MO)

I incurred this debt on or after XX/XX/XXXX for approximately XXXX. At the time, I was employed with XXXX and my intention was to repay the debt through work as it created through advance use of leave. When I transferred to XXXX, MO, I lost my employment with the XXXX due my transfer request being denied. That left me with the afore mentioned debt. I was contacted by the department of treasury regarding the debt and I explained my financial situation to them and they said they would n't pursue collection action. Last week I received a call from a company named CBE and again today. I explained financial situation and my conversation with the Dept of treasury but, they continue call even though my financial situation has n't changed. The person I spoke with threaten to offset a social security benefit that I do n't receive.
Consumer complaint received 2016-08-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (TX)

I am XXXX and on social security XXXX and trying to correct errors on my credit reports. In XXXX 2011 my son passed away in a very tragic circumstance, Afterwards I lost my employment due to military XXXX, I was forced to voluntarily reposses my recreational vehicle, Wells Fargo Dealer Services accepted vehicle and the repo agent stated under law I would be notified of any sale time and place. I was never notified of the sale of the vehicle, I also believe Wells Fargo violated the law as the sale of the vehicle was not commercially reasonable, therefore any deficiency is illegal, Wells Fargo needs to remove this account from all my credit reports immediately as they have violated repossession state law and The Fair Credit Reporting Act.
Consumer complaint received 2015-07-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo will delay and/or hold deposits ( " deposit pending '' ) and then bounce checks the same day that should have otherwise cleared had they applied the deposit. Then, they charge - actually they do n't charge, they take - a fee of {$35.00} per check ( which is actually usurious interest ). In my most recent example, XXXX checks totaling {$100.00} were bounced resulting in {$70.00} in fees. This is wrong. Sure, I made a mistake. And when I was emailed by the bank notifying me of my error, I immediately transferred money into my account to cover the deficit. So, they were not harmed in this. They did n't earn this fee. How is it other banks ( XXXX for example ) can have overdraft fees that are one quarter that of Wells Fargo? And why can Well Fargo get away with manipulating the timing of deposits?
Consumer complaint received 2016-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America has refused to correct a mistake with my SSN when they took over my loan from XXXX. This has caused me to file incorrect ( overpaid ) Federal Tax returns for several years. They also reclassified the loan from VA to conventional.