davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-24
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

On XX/XX/2017, I received a letter stating that Bank of America charged me {$1000.00} for a returned check. A couple of weeks ago, I spoke with XXXX on XX/XX/2017. I paid {$1000.00} to cover any outstanding payments for the XXXX statements. I told her since I have a very good record, can you waive the fees. She did. I cancelled the check I sent on XX/XX/2017 for I did not want to pay for double on my credit card. 

When I called Bank of America on XXXX, I spoke with XXXX of New York. I told her what the letter indicated : " Your account has been charged {$1000.00} for the returned payment. Your minimum payment due has been recalculated as a result of the payment .... 

" What you need to do : Submit a replacement payment upon receipt of this letter to avoid additional fees or interest charges, if you have n't already done so. Call us at XXXX to get your revised minimum payment amount and to make a payment by phone. 

She told me that my account has not been charged. I said, it has been - I 'm going on with what this letter says ( See enclosed letter. ) She gave me her supervisor 's name XXXX and his number XXXX. She asked me when will it be a good time to call? I said now. She said he is with a customer now. When is a good time to call you back? I said now. 

The issue has not been resolved.
Consumer complaint received 2022-12-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (AE)

I have Spousal Consolidation Loan that was serviced by XXXX for over a decade where I applied for the PSLF/TEPSLF under the limited waiver. Until last week, I did not receive any information about my application until I submitted a CFPB complaint asking for a status of the loan. I'm a co-signer on the loan. This should not limit PSLF forgiveness because the President of the United States signed a law that allows for these loans to be split and also forgiven under the PSLF program. 

XXXX did not forgive my portion of the spousal consolidation loan and instead stated that the loan was transferred to a new servicer, AIDVANTAGE in early XXXX. AIDVANTAGE does not have any information in their system about the loan. The loan still shows as being serviced by XXXX on the Department of Education Website. 

The primary signer on the loan and I divorced in XXXX, XXXX. I want the loan separated back out according to the law that the POTUS signed last fall. I also want my portion of the loan forgiven through the PSLF program since I have met all the requirements for this. I have been serving in the U.S. Army since XXXX of XXXX and have applied several times for forgiveness through this program. I'm also ONLY concerned about the spousal consolidation loan for the program ( not my graduate loans that are zeroed out ).
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-01-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (VA)

I lost my home due to foreclosure issues dealing with Wells Fargo. I was supposed to be paying the house off to own it. My credit is horrible and I cant find my own place of residence because it still comes up on my credit. I am forced to live with others as I cant be on anyones lease nor take out my own.
Consumer complaint received 2023-01-25
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. (IL)

My requests for proper verification and the removal of the bogus information on my credit reports have been disregarded despite the numerous written letters I have given to the three credit bureaus. I last wrote to the credit bureaus Experian, XXXX, and XXXX on XX/XX/XXXX, but I never heard back from them. It is evident from a copy of my most recent credit report that the credit bureaus disregarded my requests. The Fair Credit Reporting Act, 15 USC Section 1681i, specifies that it is not authorized to continue reporting unverified information without any supporting documentation during the time frame permitted by law. Their willful non-compliance has violated this provision. My credit score has significantly decreased as a result of the fraudulent information that is still being reported on my credit report. I'm hoping you can help me out and get these things removed as soon as you can : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX. I have read enough to understand my rights and it is clear that you are trying to violated my Consumer Rights to save your own skins. Under the Fair Credit Reporting Act section 605b, I am requesting that you remove the disputed accounts and information off of my Credit File as soon as possible.
Consumer complaint received 2024-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am disputing and requesting the removal of inaccurate information from my credit report. Upon contacting the bank, I was informed of a possible system glitch causing misreporting, with no records available. They assured me they are rectifying this and will update my account accurately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My beloved and loving wife, best friend, and soulmate XXXX XXXX XXXX and I live EXCLUSIVELY on our monthly Social Security bank deposits on which we CAN NOT MAKE ENDS MEET and now there is SOARING INFLATION! 

The Bank of America, with all due respect, is a XXXX  for refusing and adamantly so to lower the interest rate so I can make proper payments! 

THEREFORE, I have for many months indeed been unable to make the monthly payments on my two Bank of America credit cards both of which have been cancelled.

Nor pay the exorbitant late fees. 

The Bank of America has THIS CHOICE : Either help me out or XXXX XXXX XXXX XXXX as XXXX XXXX XXXX XXXX XXXX!
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 has violated my rights. 

15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2022-12-21
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: DISCOVER BANK (IL)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding the treatment I have received from Discover Bank. On XX/XX/XXXX, I opened a savings account with the bank and was promised a {$450.00} bonus reward for depositing {$35000.00} in the first month. However, despite fulfilling my end of the agreement, I have yet to receive the promised reward. 

I called Discover Bank on XX/XX/XXXX to inquire about the status of the bonus, and the representative told me that the offer of a {$450.00} bonus was included in my application and advised me to wait for the bonus to be issued. However, when I called Discover again on XX/XX/XXXX, their representatives denied the existence of the offer, despite acknowledging that the previous representative had left a note on my file indicating the offer 's existence. 

I have clear documentation in the form of screenshots of the savings account application website from the time of my application, which can be validated on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These screenshots clearly show that I was promised a {$450.00} bonus reward for fulfilling the required deposit within the designated timeframe. 

I am extremely disappointed in the way that Discover Bank has handled this situation. I have honored my end of the agreement and expected the bank to do the same. As such, I am requesting that the Consumer Financial Protection Bureau investigates this matter and ensures that I receive the {$450.00} bonus that was promised to me. 

Thank you for your attention to this matter. 

Sincerely, A disappointed customer of Discover bank
Consumer complaint received 2023-01-25
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. (MO)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2017-05-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings (CA)

I am  XXXX   XXXX  due to a   XXXX   XXXX   and was misinformed of how the debt would be paid back. I was in an open chapter  XXXX  bankruptcy when monies were given and was told that i would not have any interest to pay. i explained that i had a caregiver that handles my bills and was told that it was not nessecary to have anyone look at this that it was a short term intersest free loan. I believe this was in  2014  when I was living in  XXXX  and now live at my moms house in  XXXX . I was told that they would take money from my checkimg account for 3 months and then I would not owe anymore. I thought it was a  XXXX  benefit not a loan and was told the original payments were for there service of obtaining the loan. It continued causing me to lose my checking account for being overdrawn.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/year>, I called Navy Federal Credit Union with my mother on three way to help with getting back money that was taken out of my account. This money was my rent money I was sending to my mom. I am a victim of scam, fraud, and identity theft. They used my information on applying for a credit card and spent most of that money which resulted in a past due payment which is why Navy Federal is collecting my paychecks. Navy Federal is aware of my situation. There is a police report on file that I've given to them multiple times. This report number is XXXX. I have a detective assigned on this case as well as being investigated. Collections are taking out my paychecks before I can even pay bills. This is very stressful to handle. With the phone call, we've spoken to XXXX. She explained she's the manager for the fraud department as well as another department I don't recall. She was very rude and unprofessional. We were trying to get answers and she explained there was nothing she can do to help us. Only advice she gave was for me to find a lawyer. She hung up the phone on us. She told us that we can contact corporate for any other information and gave us their email. I sent an email to corporate as a formal complaint of the phone call. Their response stated they couldn't help either. Prior to this call, I've called multiple times before and was sent in circles trying to figure out who to talk to and how to get this fixed. My first fraud claim resulted in me at fault. I sent in an appeal through the emessage on their app. After calling for an update, the person I spoke to the appeal claim was being investigated. I spoke with someone else right after and they told me there wasn't an open case and it was nothing being investigated. Nobody wants to help me. I don't have money for food nor to pay my bills because it's continuously getting taken out every week I get paid.
Consumer complaint received 2022-12-22
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 2024-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

A woman impersonated me at 2 BMO bank branches on XX/XX/XXXX and XX/XX/XXXX depositing fake checks and making withdrawals from joint checking and savings accounts at BMO Banks ( XXXX XXXX and XXXX XXXX ). I immediately identified the unauthorized withdrawals and have been trying to work with the bank on filing financial fraud affidavits. The bank suspended our online banking so I relied on their representations, which proved incorrect and delayed resolution or reimbursement of funds. Due to the bank providing me incorrect information, I had to redo financial fraud affidavits. I have filed police reports with XXXX XXXX and XXXX XXXX Police Departments, the XXXX XXXX XXXX is investigating. I have also filed complaints with BMO, the FTC, the California Consumer Department of Financial Protection and Innovation, and put a flag on my XXXX record. The total loss is {$9.00}. I have not received reimbursement of the amounts lost as of yet, and the bank keeps telling me that since the investigation is complicated that the reimbursement of funds is delayed. 

Furthermore, two bank employees failed to lock down our checking and savings accounts despite their representations to me that they did so which caused the second and larger withdrawal from our savings account on XX/XX/XXXX. 

All communications with BMO are unsatisfactory and unconscionable and have caused me severe anxiety. My husband and I have withdrawn funds from BMO and established accounts in another bank.
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been sending dispute letters since XXXX last year and they have completely ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone way past the 30 day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX. Please resolve this manner as soon as possible thank you
Consumer complaint received 2024-06-20
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (OH)

In XXXX, I took out a mortgage on my first home and Wells Fargo took over that mortgage. In XXXX, I began having problems paying my mortgage. I attempted to send in a payment, and the company returned it as they had started foreclosure proceedings. After working with the company, I decided to do a loan modification, during which time I was unable to make any payments on my mortgage. I was told that all of the missed payments would be applied to the " back end '' of my loan. I specifically asked, on their recorded line, if that would amount to a second mortgage being taken out on my property. They LIED. They ASSURED me that it was not a second mortgage at all. To my surprise in XXXX when I went to sell my house, I did in fact have a XXXX for a second mortgage on my home by no less than Wells Fargo. I was unable to sell my house until the second mortgage was satisfied. And the terms of the " second mortgage '' were that they would have been due and payable within 30 days of paying off the first mortgage. I never received ANY notification during the 2 years after the modification about this hidden second mortgage. None at all. I tried to find an attorney to check into this to no avail. 

Fast forward to this week. on Tuesday XX/XX/XXXX, I received a check in the mail for {$310.00}. I called Wells Fargo to inquire what the check was for only to find out they made an " error on my loan modification. '' You THINK? They said the payment was " good faith ''. In the letter with the check were instructions to request " mediation '' at no cost to me if I felt I was owed more money. Well, I do. I had to pay a second mortgage to the tune of almost XXXX, a second mortgage that Wells Fargo assured me would not be in the first place. And now I find out there has been a class action lawsuit regarding what they did to people. I want an investigation into how and why this happened. And I want to be made WHOLE by this bank. They shouldn't be allowed to do this to people.
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

This XXXX, I decided to close my XXXX Comenity credit card. I had a balance of {$64.00} and paid it in full on XX/XX/XXXX. I then contacted their customer service and requested that my account be closed as soon as the payment posted. I received confirmation from them that they would be closing the account. 

I checked my account the following day and saw that the payment was posted and my balance was {$0.00}. I also received a letter from Comenity dated XX/XX/XXXX confirming that my current balance was {$0.00} and the account was closed. 

A few weeks later, I received a bill from Comenity for a {$40.00} late fee and {$2.00} interest charge. They are claiming that the fee was charged on XX/XX/XXXX which contradicts their confirmation on XX/XX/XXXX that my account balance was {$0.00}. So essentially they charged me this fee after I had made my payment in full and after they confirmed that the account was closed.
Consumer complaint received 2022-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX MO XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX