davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, We ( My son and I ) open a XXXX account at our local Bank of America at XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX with XXXX XXXX , on longer works at the local Bank of America XXXX For the first year or so, the student account was not charged a {$12.00} Maintenance Fee as it was stated in the document giving to us ( Students under age XXXX are eligible for a waiver of this fee while enrolled in high school, or a college, university, or vocational program ). I recently noticed XX/XX/XXXX that my son 's account balance was lower than expected. I went to the local bank and was told of the {$12.00} maintenance fee began charging as of XX/XX/XXXX. I was not aware the bank started taking {$12.00} a month on this account after a 16 months of opening an student account. 

On XX/XX/XXXX, I was not able to log in to my son 's account with his credentials which was a red flag. When I asked the bank why I my son 's credentials did not work to log into his account they said because he was not 14 years of age. I assured them that this was a student account and my son 's credentials worked in the past. Later that day, I found out the account type was now a Advantage Plus Banking account ( which is not a student account and could be charged {$12.00} maintenance fee. ). They bank tried to change the account back to a Advantage Safe Balance Banking account. After XXXX verification attempts the account could not be changed back to the initial account that we were told was open in the first place. 

Today XX/XX/XXXX, Is my son 's XXXX birthday and I am requesting the XXXX ( XXXX ) maintenance fee charges of ( {$12.00} a month ) be put back into my son 's XXXX account.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been diligently trying to rebuild my credit since XXXX ... I have disputed / reported many discrepancies & have successfully removed a lot of them ... however, there are presently 2 items within the 3 credit bureaus that are inconsistent ; a collection is removed by both XXXX XXXX XXXX, but it is still on Transunion ... a medical collection is removed by XXXX / Transunion but still appears on XXXX... finally, my length of credit history is inconsistent for all of them ; Transunion is the only bureau that recognizes that I had a Dept. of Education loan that closed back in XXXX, yet all 3 bureaus insist my score age is only XXXX XXXX  old. I had messaged XXXX prior to this complaint, and was told by an employee " I dont have access to your Transunion account '' to which I was astonished by. I have a Fair rating as of XX/XX/XXXX and feel these inconstancies are preventing my score from being Good to Very Good. 

As previously mentioned, I think as an individual I've done all I can with trying to resolve said issues with the 3 individual agencies and the CFPB. I think now would be the time it'd be worthwhile to seek professional advice / action.
Consumer complaint received 2019-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Shellpoint Mortgage charged me {$170.00} for an appraisal fee because I requested a loan modification. I understand that an appraisal is only REQUIRED when attempting sale. The investor can opt to have an appraisal done but it has no bearing on a loan modification and it should not be charged to me and I should not be responsible to pay for it. I was approved for the modification but declined it. I have requested this fee be removed from my account each month for the last 4 months. I have written several times to loan servicing. I have spoken to XXXX XXXX, Account Representative, who has lied to me each time by informing me that the fee was removed and will appear as a credit on the next statement. This fee remains on my statement and no credit has been applied to my account. See my current XX/XX/XXXX statement attached. I called Shellpoint again today, XX/XX/XXXX, XXXX XXXX PST and the representative that answered the phone researched my account and informed me that her supervisor said I need to request in writing to have this charged removed. I have already done that several times. This is the sub-standard, non-effective administration that I experience with this company on each and every issue, all the time, for the the entire time they have serviced my mortgage.
Consumer complaint received 2019-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

The Santander Bank has repeatedly lied over the years to me about their practices. I recently asked to remove my escrow as my payment increased almost {$100.00} for the first time in 24 years. I was told to wait to make the payment as they were going to stop the escrow and instead of paying {$670.00} the payment would be {$370.00}. They told me to send in {$95.00} to wipe the Escrow out. I had sent in the money and did not make the payment. I called on Friday, XX/XX/XXXX and was on the phone with collections and the escrow department, talked with at least 5 different people and was told 5 different stories. After hours on the phone and complete frustration, I got nowhere. I called again Monday, XX/XX/XXXX, and also got nowhere. I talked to 2 different Supervisors and got two different answers again. The took my financial records and told me that I would eligible for a repayment plan. She said the payment would be almost {$1200.00} a month for three months. I asked is that all you can do for me since this is your fault and she got snippy with me and said, go borrow the money from your friends or a loan company or a 401 K.At that point I was at the point of tears and I hung up. XXXX XX/XX/XXXX I got another letter from the bank telling me to send in another {$95.00} and they will wipe the escrow out. I am two payments behind now because in XXXX XXXX, the did the same thing and I have never caught up. They are horrible, no one knows what they are talking about and two letters telling me to send in money and they know it can't be done, please help, it's now affecting my husbands credit score. This is awful.
Consumer complaint received 2022-03-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX  XXXX Bankruptcy / XXXX / {XXXX}
Consumer complaint received 2019-05-03
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/19 XXXX XXXX XXXX ( XXXX XXXX ), a Home Mortgage Consultant from Wells Fargo ran a hard pull on my credit without consent. I never was aware and did not sign anything. There was a conversation in which I was simply asking him what the process was and he said he would ask me a few questions and then he would run numbers that made sense for a mortgage. I asked him to not run a hard pull knowing that I needed to protect my credit rating and those affect the rating. 
During a phone call on XX/XX/19 I discovered that he did in fact make a hard rather than soft credit pull and I was furious. Not ready for the process, I was simply asking him about next steps and he has now put me in a terrible position by not authorizing this. 

I now am ready to shop lenders and the date XXXX did this is now outside of the timeframe that multiple mortgage pulls are allowed without negative consequences. I will be also filing a complaint with all 3 credit bureaus with the intent to have this removed. 
In addition to this, XXXX XXXX advised me to try and help my credit report by applying for a loan to help pay down my credit cards. I have come to find out this is exactly the opposite of what someone should do. 
When I asked that he close my account he responded that he did not have to. He called me and I told him I wanted him to. After 2 more emails of telling him I wanted it closed, he said that he did however, I did not receive any other confirmation of this besides his email which stated " It been cancel Have a great weekend and if you need anything please let me know. '' This man has terrible judgement and quite frankly took advantage of my naivet. He does not seem to be an ethical man and I want this removed from my credit report and consequences given to him for his actions. 
Here is his information : XXXX XXXX Home Mortgage Consultant XXXX ID XXXX Wells Fargo Home Mortgage | XXXX XXXX XXXX XXXX | XXXX, XXXX XXXX XXXX XXXX Tel XXXX | Cell XXXX | eFax XXXX XXXX | XXXX : XXXX
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that the disputed account gets corrected. 


Please Validate this reporting account : XXXX XXXX XXXX Balance : {$0.00} This will serve as a follow up complaint
Consumer complaint received 2019-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CO)

XXXX XXXX XXXX is reporting incorrectly on my credit report a collection for XXXX. ( Please see the attached credit report. ) XXXX contacted me regarding a dept owed and the representative and I were trying to figure out this account because I had previously cancelled the account and XXXX consequently billed me incorrectly. The representative that I spoke with was going to investigate this error further and I was told that I would be receiving a call back. I never received a call and consequently XXXX just decided to send this account over to XXXX XXXX XXXX. When I was made aware that this account had gone to collections, I immediately contacted XXXX and explained the situation and XXXX agreed that someone should have called me back. XXXX agreed to take a payment and XXXX also informed me that they would contact XXXX XXXX XXXX to get this inaccurate reporting deleted. XXXX XXXX XXXX is now saying they can not delete this, which is totally incorrect. This inaccurate reporting is harming my credit score.
Consumer complaint received 2019-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

We are a public radio station and we do the usual things for fundraising -- direct mail, pledge drives and on line web form. 

Our call letters are XXXX ( XXXX, CA XXXX FM ) If anyone with a CapitalOne Credit Card makes a pledge it goes through, and we get the money deposited in our account. Then Capital One sends our customers ( donors ) a statement and instead of listing XXXX on the statement it shows " XXXX-Other Services '' and has the XXXX XXXX  XXXX XXXX logo with a picture of XXXX XXXX. 

Customer freaks out " I didn't buy {$100.00} of chicken -- someone must of stolen or hacked my card!! '' and files a fraud report. Then XXXX/XXXX  deducts the money they donated PLUS  a {$35.00} " Charge Back FEE '' from our account!!
Consumer complaint received 2019-09-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

I consolidated all loans in XX/XX/2018. AES was still receiving my payments every month and cashing the checks from my chase account. AES had been paid when i consolidated with fedloan. i called them and they told me to call XXXX. XXXX told me to call AES. AES wont refund my money or let me talk to someone in finance. It is the runaround and AES has cashed 19 checks for XXXX out of my account and never applied to the loan because the loan was paid in full by fedloan as it was refinanced. AES kept my money. please help.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Service Finance Holdings, LLC (TX)

To whom it may concern, on XX/XX/XXXX I made a payment for my XX/XX/2018 statement which was due on XX/XX/XXXX as well as an early payment for my XX/XX/2018 XXXX. XXXX XXXX did not process my payment for some reason. Therefore, neither payment cleared. I did not find out about XXXX XXXX 's error until XX/XX/XXXX. I immediately called XXXX XXXX and made the payment. I asked the gentleman I spoke with on the phone if there would be any issues from this he said " no you should be fine. '' I recently looked at my credit report and XXXX XXXX is reporting me 30 days late in XX/XX/2018. 

The person on the phone when I called said my credit would not be impacted as the error with processing the payment was on their end and that I was not more than 30 days late pass due.
Consumer complaint received 2019-09-27
Product: Credit card or prepaid 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: DISCOVER BANK (MO)

I was defrauded by this business. I was charged {$39.00} to renew my phone service as stated but two days later I received a receipt showing additional fees that totaled {$45.00}. Then I received another email trying to defraud me again saying I had to pay about {$60.00} to cover 911 service in my area. I checked with the XXXX XXXX XXXX police department 911 service and they said that was a lie. I never used their service and tried to cancel it after finding out these facts. They refused to cancel this service. Discover cards own policy allows for charge backs when the amount agreed on is different then the amount charged. I did not know the overcharged me until two days later when I asked for a receipt for my purchase. The FTC said it is a violation of the Truth in Advertising act. Likewise, the credit card company is charging me interest even being they are violating the Truth in Lending and Fair Credit Card act. The last time I emailed them on their website was XX/XX/2019 refusing to provide me a charge back under the law.
Consumer complaint received 2019-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TN)

I am writing to you about my credit score  of XXXX that was reported to XXXX XXXX MasterCard, by Experian. I feel my credit score should be XXXX, because I dont owe anyone. I also pay off all my bills every month ; I also have excellent credit for the last 30 years. When I call Experian ( XXXX ) I am told that they can not give me that information ; they can only sell me a credit score. 

I have the right to dispute inaccurate information. Why is my credit score not higher than XXXX? Report # XXXX
Consumer complaint received 2019-09-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Dear Bank of America, your attorney 's have sent me the reports for a wrong XXXX loan that ends with XXXX. That is not my mortgage loan. Please send me the paperwork for my mortgage loan which is XXXX. 
It does not feel good to play back and forth with you on this. I am really trying hard to avoid a lawsuit on this issue, since I have 10 more better reason to file lawsuit and I don't this one to be one of them. So please send the correct paperwork. 
Thanks.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Both of my XXXX XXXX credit card account status is incorrect with XXXX, Equifax and XXXX. 

My XXXX XXXX XXXX XXXX status is being reported incorrectly. 

Both of my XXXX XXXX XXXX XXXX accounts are showing closed however they are open and active. 

I received credit report alerts stating that my XXXX XXXX credit cards have been closed however, that is incorrect they are open and accounts. 

Reinsert both of my XXXX XXXX XXXX XXXX to an open and active status. 

My XXXX XXXX XXXX XXXX status is open and active not closed. Please correct. 

I have attached documents from XXXX XXXX showing both the CREDIT CARDS accounts are ACTIVE and OPEN.
Consumer complaint received 2022-03-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX XXXX XXXX  / XXXX / {$0.00}
Consumer complaint received 2022-03-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX XXXX XXXX / XXXX/ {$0.00}
Consumer complaint received 2019-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY (IL)

Have a Wells Fargo Card that I use to pay my cell phone bill in order to take advantage of the Cell phone protection program they advertise as a major benefit. My phone dies, I go to the apple store so they can trouble shoot and prepare a statement I need for the claim. They determine the phone is unrepairable since the issue is motherboard related/. The Card Benefits folks deny the claim claiming a manufactures defect. How could they possibly know that? They said the phone has to show physical damage to be eligible. The claims about this benefit, which is heavily marketed, and the reality are very misleading. When I asked for a review of the claim they sent me the the XXXX XXXX XXXX who I highly doubt many people will take the effort to file with. I believe the claims vs. the reality are misleading and the decisions are not based on objective fact. The fact that they do not have an escalation process outside a time consuming third party process means the company did not have good faith.
Consumer complaint received 2019-05-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (SC)

UNPAID ACCOUNT Property Tax Bill The current amount due is {$1400.00}. The probable cause for this delinquency is XXXX XXXX failed to send the full amount due, back in XX/XX/2018. The original amount due was {$1200.00}. XXXX XXXX only sent {$1200.00}, therefor County Tax Collector returned the partial payment and stated they can only accept full payment! 
As of XX/XX/XXXX, 2 emails, 2 phone calls and still not resolved. Or any communication from XXXX XXXX.
Consumer complaint received 2019-05-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

Portfolio Recovery has been harassing me for months. I repeatedly tell them I am not familiar with a XXXX XXXX account with a balance of {$1600.00}. The employee number of person I spoke to last is XXXX. Calls come from many many numbers. Here are a few. XXXX, XXXX, XXXX. They all ways start off asking me personal information before identifying themselves. I tell them to quit harassing me, but yet they continue! I also told them I never had any kind of contract with Portfolio Recovery and will not talk to them. They tell me they bought account. I tell them I am sorry for them because again, I have no contract with them.
Consumer complaint received 2019-05-03
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: INVESTORS BANK (NJ)

What I am about to report now is that a person named XXXX XXXX caused a problem by opening a bank account with my social security number. 
The banks with the problems are Investors Bank, XXXX XXXX XXXX. 
I heard from my bank XXXX that on XX/XX/XXXX, there was a problem with the checking account, so I could not open the bank account. 
Here is what I got from XXXX bank & Investors Bank. 
XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX, NJ came to the bank with XXXX XXXX 's ID and my social security number, and he took about {$53000.00} from Investors Bank and did not pay back last XX/XX/XXXX. 

This is not the first time who XXXX XXXX caused problems with my identity. I have reported to the XXXX Police department on XX/XX/XXXX. The case number is XXXX. 
On XX/XX/XXXX, I also reported to the XXXX XXXX Police department and the reports number is XXXX. 


another problem, Investors Bank even does not try to help this case at all. 
I went to XXXX XXXX XXXX office and called them many many times but, they do not want to answer anything to me. 

I do not know how to get information. 


XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TFS FINANCIAL CORPORATION (OH)

I have filed home scam case against Third Federal Savings and loan with CFPB, and others. I did not get home scam determination report from the government yet. HUD is saying something bad happened to my home and I should see a lawyer. Please investigate and provide me the actual report so I can refinance my home through HUD. Powerful and influential people are behind this home scam.
Consumer complaint received 2019-09-18
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XX/XX/2016, a XXXX XXXX XXXX XXXX account was opened in my name, in the amount of {$470.00} This account is now with a 3rd party company, Portfolio Recovery. This is a fraudulent Acct.