davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/21, I provided a check in the amount of {$2400.00}, to be deposited into the account on XX/XX/21, when a deposit would clear in the amount of {$3000.00}. However, Bank of America claimed that this check was received on XX/XX/21, and rather than simply declining the check if needed, it charged an unauthorized " returned item '' fee of {$35.00}. When I spoke with a bank representative ( ID # XXXX ), he refused to remove the fee, even though I've been a loyal customer of the bank for over 14 years. 

Big banks like Bank of America have made billions of dollars on the backs of hard-working customers like myself with outrageous fees like this. This fee should be immediately refunded into my account.
Consumer complaint received 2017-06-21
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (IL)

I opened my checking and savings account with BMO in XXXX XXXX. I opened with a special offer of {$300.00} bonus for checking account and {$200.00} for the savings. I have been inquiring about the bonuses for months, only to be told to wait. Now I did not get the bonus and this was escalated to the marketing department under Ticket XXXX and I was told the type of savings account I opened was ineligible. This is infuriating as I had no say in what type of account was needed, I was not given a confirmation of the bonus or any other documentation at account opening about the requirements. I want this escalated and I feel that there is no reason I am not awarded the {$200.00} bonus.
Consumer complaint received 2024-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (GA)

Consumer sent correspondence requesting the Cusip number and Remic loan number attached to their loan. NELNET completed disregarded consumers request for this specific loan and account information. According to NELNET 'S SEC filings they have been trading the consumers note on the secondary market, not providing the investor with their shares, which consumer has submitted an INVESTOR COMPLAINT via the Securities and Exchange Commission. Because of NELNETS negligence and will full non compliance CONSUMER has elected to OPT OUT of reporting their personal and non public information. The Fair Credit Reporting Act regulates the consumer reporting agencies that compile and disseminate personal information about consumers. 15 U. S. C. 1681 et seq. The Act also creates a cause of action for consumers to sue and recover damages for certain violations. 1681n ( a ). As stated in one of the letters sent to NEL NET, pursuant to, 15 U.S. Code 6801 - Protection of nonpublic personal information : ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Since XX/XX/XXXX I have written, fax, emailed letter to all credit reporting agencies, companies involved including their CEO 's regarding accounts/information being reported wrong on credit bureaus. I have never worked at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, nor have I ever been retired. Have never lived at XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX Il XXXX XXXX XXXX XXXX XXXX Il XXXX or XXXX XXXX XXXX XXXX XXXX Il XXXX. I have " NEVER : made late payments to XXXX XXXX ( current onetime no late payments not in forebearance ), XXXX XXXX/XXXX, XXXX/XXXX 's, XXXX XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX ( ALL ), XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ). Have " Never Applied for credit or authorize obtaining credit report for the following companies : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX please remove all non-account holding inquires. Public Records do not belong to me : Judgments # : XXXX, XXXX, XXXX please delete. Please remove " Promotional OPT-OUT '' would like to be consider for promotional offers that I qualify for. Also have accounts that bureaus are currently blocking that I would like to be reported they are accounts in good standings from the following companies : XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX/XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX, XXXX , XXXX XXXX , XXXX , XXXX XXXX , XXXX/XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX . Spoke with reps and was advised information was re-inserted in results of system glitches that credit reporting agencies have experienced on numerous occasions XXXX XX/XX/XXXX- XX/XX/XXXX & XX/XX/XXXX ; XXXX XX/XX/XXXX-XX/XX/XXXX,  and Equifax XX/XX/XXXX and that all information submitted would be updated in 10-15 days which was over 30 business days ago.
Consumer complaint received 2017-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (IL)

Contacted Hhgregg customer service center in XX/XX/XXXX once statement generated which reflected a higher balance due, thought card information had been compromised when spoke with rep was advised that promotional period for interest rate will be ending and the additional XXXX was deferred interest from life of account ; I advised representative that I did not receive anything in the mail and to charge almost XXXX on an account without warning was alarming she advised me that if I made an payment of {$520.00} on or before XX/XX/XXXX they will waive interest and other fees making new balance {$490.00} ; asked rep to notate the account and advised I will call back in on XX/XX/XXXX to make payment which I did rep was able to see notes on account processed payment for {$520.00}, waived XXXX and again advised me that bill will cycle and new balance of {$490.00} will be reflect on statement and online account within 24 hrs. Which it has not current balance is showing {$540.00} which is XXXX higher than quoted and that amount has been reported to credit bureaus. Would like the XXXX to be waived, online account, statement and all credit bureaus to be notified of correct balance of {$490.00}.
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (MA)

XXXX XXXX XXXX XXXX . refuses to remove inaccurate negative remarks from my credit report after my repeated attempts to have them corrected.

On XX/XX/XXXX, I opened an individual credit card account ( acct ending XXXX ) with XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX NV XXXX ( XXXX ) XXXX, ( XXXX ) XXXX ) with a credit limit of {$300.00}. After not paying the overdue balance for some time, the account was closed in XX/XX/XXXX, and transferred to a collection agency ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, SC XXXX ( XXXX ) XXXX ). In less than a year, I paid XXXX XXXX according to an agreed-upon payment plan settling the debt in full.

Over a year and a half years ago, when I started paying closer attention to my credit score, I noticed that there were some negative remarks on my credit report related to this card. As of this complaint, there are 6 negative remarks remaining on this account over the last 24 months, stating that I missed payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is not accurate as I had settled that out 3 year earlier. I reached out to both XXXX XXXX XXXX and to XXXX XXXX on numerous occasions, with both continuing to state that it was the other institution 's responsibility. I enlisted the efforts of a credit repair company, XXXX XXXX XXXX XXXX, for over 18 months at $ XXXX/month to try to get them to remove the negative remarks, but XXXX XXXX XXXX and XXXX XXXX maintained the same lack of responsibility. I contacted the three major credit bureaus myself to dispute and have them investigate, and still XXXX XXXX XXXX refused to remove these negative remarks that are highly injurious to my credit. The note that was added for me to this page of my XXXX report states : " Payments were made in compliance with the negotiated schedule. '' My individual credit report on XXXX  notes that the Balance is {$0.00}, and the Past Due Amount is {$0.00}.

I continue to be very frustrated by this, as it is negatively affecting my credit rating.

Hopefully this can get resolved soon. I do n't want to have to hire an attorney for this issue, as I 've already paid in over {$1000.00} for the services of XXXX XXXX I have attached the only letter that was sent to me from XXXX XXXX XXXX  regarding my dispute.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc. (FL)

I have submitted my bank statement and proof from direct deposit company that I have paid as agreed but they kept saying that my payments were late. I then switched from XXXX XXXX to BSI for direct deposit and all of sudden my payments were on time although they are being cleared during the same time frame. Once I received my XXXX from BSI there was NO late fees indicated on there but they were charging for fees for having another company processing my direct deposit and yet still reporting that I paid 3 months late until I switched over ... I consider that extortion. They will NOT change the report even though they received the money.
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My credit card with Bank of America ( referred to as bank ) was lost and I reported promptly to bank. Accordingly bank declined all transactions including valid recurring ones made by me between XX/XX/2017 and XX/XX/2017. But since they declined my valid recurring ones I had to go back and pay the merchants using other payment methods. 

XXXX XXXX XXXXBILL PAYMENT XXXX TX XXXX XXXX*BILL PAYMENT XXXX TX XXXX XXXX XXXX XXXX FL XXXX XXXX  XXXX GA XXXX XXXX  GA XXXX TX XXXX XXXX *XXXX XXXX  XXXX CO XXXX XXXX, XXXX XXXX IA XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX FL XXXX Grand Total XXXX Later bank recharged my credit card account for all charges including recurring ones. Now I have been double dipped. I paid the merchants and got charged by bank. Now bank is refusing to credit double dipped recurring charges. 


I need bank to credit {$1100.00} to my credit card ASAP.
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom it may concern : I have had a lot of problems with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Attached are Affidavit ( s ) letters to the point of contact ( XXXX XXXX ) and her associates from the XXXX. I had a family business during the recession of XX/XX/XXXX XX/XX/XXXX and the economy got the best of us, but I paid our tax lien of $ 20k -/+. 

The tax lien debt was tendered in XX/XX/XXXX and the XXXX from XXXX mailed me a tax payer copy, showing, and expressing a tax lien release filed by the XXXX XXXX XXXX within XXXX XXXX and XXXX XXXX XXXX XXXX. The XXXX also went after my son ( XXXX XXXX ) creating another account number to create another $ XXXX of owed debt by filing the same debt publicly under my son. I have letters expressing the confusing and I even gave instruction to the XXXX to following up with their Headquarters, but we somehow come back to the issue yet again. Please review all attachments. 


Thank you, RE
Consumer complaint received 2023-03-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I applied for a line of credit online I got accepted by credit acceptance I was referred to XXXX XXXX XXXX XXXX XXXX XXXX picked me out a XXXX XXXX XXXX I put {$2000.00} down and drove the XXXX XXXX  for 3 months before it started breaking down the vehicle lasted a total of 6 months for me to find out it had engine failure the vehicle came with a warranty I was given the runaround for repairs the vehicle set at XXXX XXXX for 14 months unrepared and then was sold for {$700.00} not fixed XXXX XXXX is asking me for {$1600.00} for tearing the vehicle apart credit acceptance is standing I owe them XXXX and it's not telling the truth and never fixed the vehicle I filed a complaint with the Ohio attorney general they sold me a lemon I would like for them to be removed from my credit report the vehicle was not reliable and they didn't try to fix the situation. My warranty was never honored now I'm trying to obtain reliable transportation but this {$14000.00} is holding up my credit report I do not owe them that the vehicle was not worth that in a way I was treated was not fair.
Consumer complaint received 2017-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America sent me a modification I refused to except. Bank of America, continually trying to get me to accept a modification with the terms and conditions of adding on 40 more years onto a mortgage loan that I only have 17.8 more years to go before the mortgage is paid off. Instead of lowering my mortgage interest rate. Bank of America, sent me a modification that would have increased my mortgage interest rate with a balloon payment at the end of the terms for the amount of {$20000.00}. at the end of the modification in XX/XX/XXXX. Bank of America, is not applying or accepting my mortgage payments I am making. Continually harassing me about a modification, I refuse to accept, that they are trying to make to sign. The modification would have added on more debt onto a town home that is already severely under water. The entire modification, also stated that the existing debt I have on my mortgage would still be by obligation and was included into the modification. Costing the consumer the borrower an amount of over {$190000.00} on a town-home that is not worth {$10000.00}. After I denied the modification, I continue to get telephone calls from Bank of America Regulatory Department. I have repeated to all employees that I will not sign any type or form of a modification under the terms and conditions Bank of America wants be to sign ( according to the investor ( XXXX XXXX ). Furthermore, Bank of America is continuing to hold my monthly mortgage payments, by not applying them correctly, I was denied paying my mortgage payment at the Bank of America Branch, located in XXXX, Illinois. I had to make a telephone call to Bank of America on XXXX XXXX, XXXX to make my XXXX XXXX mortgage payment. On XXXX XXXX, XXXX, I called to see if my mortgage payment was applied correct. Unfortunately, it was not. It was stated to me only the case manager who is handling the account can apply my XXXX XXXX mortgage payment. After being sent a letter by Bank of America Modification Department dated XXXX XXXX or XXXX XXXX, XXXX, the modification was denied stated by Bank of America, Home Loans. I would like to have all of my monthly mortgage payments applied correct and dated as the correct date when I officially made the mortgage payment, so that I will not have late fees or any other type of fees applied to my mortgage loan. In closing, Bank of America, has reviewed my credit report consistently from XXXX XXXX - XXXX or XXXX. My credit report has over 7-10 inquiries from Bank of America, as if I applied for a mortgage loan when I have not. This is not in compliance with FCRA and needs to be thoroughly investigated. Please follow-up immediately.
Consumer complaint received 2022-01-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please remove these negative items from my report I have been disputing items off my report for a long time this is stopping me from getting my car and my home for my children which is very hard on me these items has no validity and have not been proven
Consumer complaint received 2021-01-24
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I am filing this complaint because I have 2 missed payments on my Capital One credit card that is holding me back from getting approved for housing. I received these missed payments during the pandemic Covid-19 when my family was suffering drastically. I had got laid off from my job and struggled with finding another source of income. This has affected me heavy as I am struggling to make a living for my family. We are XXXX, so please fix this issue as soon as possible. The rest of my pay payments have been on-time out of the 2 years I have had this Capital One card. Also, I have already sent out multiple Goodwill letter to fix this issue. I just want this problem resolved so my family can have a place to call home.
Consumer complaint received 2017-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

XXXX   XXXX  Good afternoon.   I refinanced with AmeriSave fall of  XXXX   (   XXXX  ) and received a letter from them saying  XXXX   XXXX  they are going to hold an additional {$50.00} per month in the  Escrow  account, from {$650.00} to {$700.00} for taxes/insurance starting  XXXX  - a 7 % increase.   However, I have my property tax bills for  XXXX   XXXX , Virginia From  XXXX  to  XXXX , the tax assessment increased 3.60 % and  XXXX  to  XXXX , tax assessment went up 1.86 %. The home insurance remained the same.     When I called the Amerisave, I was the line that escrow increased due to additional taxes.   They are not response when I say 7 % is excessive.   My name is  XXXX  and I can provide the verifying information as needed such as address and account # 's
Consumer complaint received 2017-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

TD BANK CONTINUALLY APPLIES AND HOLDS FUNDS IN A WAY AS TO MAXIMIZE THEIR BANKING FEES. THEY PUT A HOLD ON MONEY AFTER THEY INDICATE IT ISNT BEING HELD THEN IF YOU USE THE FUNDS THINKING THEY ARENT BEING HELD THEY CHARGE YOU OVER DRAFT FEES. THEY WITHDRAW THE MONEY FOR A CHECK PRESENTED THEN DECIDE THERE ARE NOT ENOUGH FUNDS TO COVER THE CHECK SO THEY RETURN IT BUT DO NOT CREDIT THE FUNDS TO THE ACCOUNT UNTIL THE NEXT DAY. THIS AGAIN CAUSES THE ACCOUNT TO BE OVERDRAWN WHEN IN FACT IT WASNT BECAUSE THEY RETURNED THE CHECK
Consumer complaint received 2022-01-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Please remove these negative items from my report I have been disputing items off my report for a long time this is stopping me from getting my car and my home for my children which is very hard on me these items has no validity and have not been proven
Consumer complaint received 2017-06-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo is now handling my retirement account ; however, when I tried to access the account online it stated that they were unable to process my request online and to call XXXX XXXX. I called that number and was told because I had more than one profiles that I had to go into a local branch. I went into the branch XXXX/XXXX/17 located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX. Spoke with an associate that initially said that she could help. She asked for 2 forms of ID and I provided my driver 's license and my work badge. She had me verify my maiden name " XXXX '' and a previous address. Then she called someone. During her conversation she informed me that I will not have online access to my account and proceeded to say that if I had an active account that I would be able to access my account online. She gave me an XXXX number to obtain over the phone info about my account. I was upset and left. I told her that I would file a complaint. On my way home I called the number she 'd given XXXX XXXX, their Retirement Service Center. Spoke with an individual over phone she asked me personal questions, which I verified and afterwards was told that she needed to transfer me to someone else. I was transferred to a gentleman and I verified my information yet again. He initially said that he could help and then it changed. I recommended that he call the branch and gave him the name to the associate that I 'd spoken to. He said that he would, then he came back after a few minutes and said that he would have to fill out a form to escalate. This is not right!!!! Wells Fargo obtained my information through my employer, which is the same employer that I had when I opened a previous account with them. I work directly across the street from the branch. Since the transfer Wells Fargo, they have yet to reach out to me via mail, email or phone to verify my account information. How will they report this info for tax purposes? I 'm lost for words. Is this how financial institutions now handle accounts when there are multiple profiles? I 've moved and married since my first account with them but my race, sex and social have remained the same. I 've had retirement accounts with XXXX, XXXX and XXXX but never a financial institution unwilling to provide me with my account information. I feel their practices are deceptive and in violation with current banking laws and requirements. With all the media attention that Wells Fargo has gotten I 'm extremely concerned that they 're allowed to do this.