davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-30
Product: Credit card — 
Issue: Arbitration — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My wife and I went on a cruise to XXXX XXXX. We went into a retail jewelry store. We saw a XXXX XXXX White Gold Diamond Pendant. We told the sales people that my wife wanted a XXXX XXXX Yellow Gold Diamond Pendant. The sales people told us that they can make the White Gold Pendant Yellow Gold. We agreed. The sales man took the Pendant out of his store to another location. Almost XXXX hour later, he came back with a Yellow Gold Pendant. My wife and I were in a rush to get back to our ship and quickly inspected the Pendant. We did not know it at that time but the center diamond is damaged. When we got home to Florida, we took the Pendant to our personal jeweler for further inspection and appraisal. Our personal jeweler inspected the Pendant through a XXXX and discovered a compression crack in the center diamond and he refused to appraise the pendant because if it. I called the jeweler in XXXX XXXX. I explained my situation. I was told that " XXXX '' was not in the store, that they would give him my message and that he would call me back. He never did. For almost two weeks, I called and asked for " XXXX ''. " XXXX '' was never available. The last time that I called the store, I threatened to initiate a dispute and arbitration with my credit card company. " XXXX '' called me back. He is denying that the Pendant is damaged. He wanted me to mail it back to him at my expense. I refused to mail it back to him at my expense. I was afraid that I would not get it back. I then initiated a dispute and arbitration against him with Bank of America. After all of my proof, a second opinion letter from my personal jeweler in Florida, and pages and pages of our rebuttals to this jewelers response to this dispute and arbitration, Bank of America is refusing to help us anymore. They 've rebilled my credit card for the full amount of the purchase. My wife and I are literally stuck with a damaged Pendant.
Consumer complaint received 2017-02-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NJ)

I have been charged a payment that is more than the XXXX % requirement for years. I am struggling with the payment and was denied for interest only repayment, denied to lower my payment so now might be forced to forbearance. Accrued interest will still occur during this year time and I do plan on making payments even though I 'm not required to try to keep this from happening. I have been paying for XXXX years and some of my loans are STILL above what I borrowed, that 's how much interest they have charged me over the years. At this point, I do n't know how I 'm ever going to be able to pay them back. I struggle to pay the {$410.00} a month and am not seeing balances go down. Is heartbreaking honestly.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Today XX/XX/24 I attempted to purchase a MONTHLY {XXXX} fresh pass grocery delivery subscription for my customer # XXXX, when XXXX store charged TWO {XXXX} annual subscriptions without my authorization, total {XXXX}. This bank denied me details required to deny charges, thereby proving a bias relationship with the company, which then fraudulently back dated subscription to XX/XX/24, then monthly XX/XX/24 to create false bookkeeping of a phony later downgrade. My bank statements prove the only charges were annual, dated XX/XX/24. This is consumer fraud. XXXX XXXX
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

FRAUDLENT INQUIRES WHERE MADE ON MY CREDIT REPORT! 
I HAVE PUT A FRAUD ALERT ON MY CREDIT REPORT! A POLICE REPORT WAS FILED DUE TO FRAUD TRYING TO BE COMMITTED. 


INQUIRES 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 XX/XX/2022 XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XX/XX/2022 & XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX & XXXX XXXX
Consumer complaint received 2016-08-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: SQUARETWO FINANCIAL CORPORATION (MD)

This debt was discharged because of the age of the debt in the State of Maryland. The original debt was from XXXX XXXX and it has been many years since it became aged out. The company XXXX XXXX XXXX and CACH , LLC is continually calling and sending demanding letters asking for payment. Then in small letters at the bottom it says because of the age of the debt they can not sue or report it to credit reporting agencies. Yet, I think it would be odd if the law allowed them to harass me to the end of time. If the State of Maryland has said the debt is old and I do not have to worry about it anymore that is just what I have done. They bought this debt for pennies on the dollar and that does not give them the right to try and bully me into paying them, which I am not. I would like you to reach out to them because this company is breaking the law in the State of Maryland by trying to collect this debt.
Consumer complaint received 2016-07-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (PA)

As of XXXX/XXXX/2016 all of my students loans were paid off at Sallie Mae. Currently, I have an overpayment balance of {$1300.00} that Sallie Mae owes me. They do NOT provide an email service to answer questions ... Every time I call I can either not get a person ( only automated ) or I ca n't get through ( put on hold for around 30 minutes twice already ). My interest rate was also sickening on all loans. This company should be shut down for the way they treat people trying to make a better life for themselves.
Consumer complaint received 2015-03-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

STATEMENT : Predatory Lending XXXX XXXX, XXXX, my husband and I were saved from foreclosure by XXXX XXXX XXXX XXXX in XXXX XXXX, CA, XXXX a fraudulent loan modification firm signed contract XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, CA - paid them borrowed family funds of {$4000.00} but found out 8 months later, they did not submit our docs and it led to XXXX/XXXX/XXXX BofA default and foreclosure notice ). We were pressed to take the BofA loan modification ( only had XXXX to sign, have notarized and return to BofA or forfeit the loan ), even though we explained to XXXX XXXX XXXX law firm that we could not sustain the mortgage payment of {$2400.00}, XXXX XXXX XXXX advised us to take the modification and try to pay for 3 months and then go to BofA and ask for a re-structuring of the loan. Then after struggling for 4 months, asked BofA for a loan re-structuring - we were sent more forms to fill out - thus after sending in Bank XXXX and finally his doctor 's letter for my veteran husband who was very ill in XXXX XXXX, and we could not pay anymore, we could not borrow anymore but BofA modification promises of re-structuring continued until XXXX XXXX, XXXX. 
My husband died XXXX/XXXX/XXXX and was buried with honors in the XXXX XXXX cemetery, XXXX, CA XXXX XXXX, XXXX. I have the Deed of Trust in my name - but not being familiar with how to handle the bank when you are widowed, I asked for help from a referral and now a dear friend who is a Para-legal over 30 years - who filled out the paperwork for my complaint to Washington DOJ ( received XXXX/XXXX/XXXX ). Why? because after he looked over our refinance XXXX by Countrywide/MERS - then taken over by Bank, said that we had a good case, also bank did not want to talk to me until I had Letters of Administration, which after getting a Probate hearing XXXX/XXXX/XXXX, the judge said that I had the Inter-Spousal Deed of Trust in my name ( the loan is in my husband 's name ), I got a probate attorney to send a letter XXXX/XXXX/XXXX to BofA stating that since I have legal title to the property - does not need to probate my husband 's estate. Bank 's response was : " put attorney on as my authorized XXXX XXXX loan representative '', ( I sent a XXXX of XXXX to bank XXXX/XXXX/XXXX ), bank responded " that since my situation has changed, they have closed the loan modification process on the modification loan. '' XXXX XXXX, I have registered with HUD office who sent a my bank package and are now reviewing the file and my assigned rep said review takes 30 days. I do not qualify for any modifications and after the pain & suffering - wonder what new ideas the bank will come up with. I would welcome your advice. I have researched lawyers and have been turned down by XXXX pro-bono attorneys, and XXXX local attorneys - why? No experience in predatory mortgage lending.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I am in the process of buying a home. My lender submitted us to underwriting and my equifax report came back saying fraud. My lender told me and I immediately called on XX/XX/XXXX. On XX/XX/XXXX I was told that my identity couldnt be verified because the information I was giving them didnt match up. I continued to call every day. Each day Id get a different answer. After two weeks I was finally told what information was wrong and it turns out that my social had been submitted with someone elses credit report. Completely different name birthday and address. I was finally told that in order to fix it I needed to fax my documents ( cover letter, social security card, Drivers license ). I sent these on XX/XX/XXXX. I continued the call every day to check the status. Every day I was told that they were received just not processed yet and to keep calling. I multiple times requested a supervisor and was never connected with one. I was told they should be done today XX/XX/XXXX. I called today and was told they in fact never received any documents, being extremely frustrated given that it has now been 2 weeks since I originally sent them and I was told they had been received, I requested a supervisor. After being on hold 20 minutes I finally was connected with the supervisor. He was extremely rude and proceeded to laugh at me while I was frustrated and told me that there was nothing he could do and that I just needed to resend my documents and then wait another 3-5 business days for them to be processed. We are now about 2 weeks from closing and still havent been able to be submitted to underwriting. We are about to lose the home that we BUILT because equifax has been completely unhelpful and completely unorganized. This is an extremely time sensitive and important matter which to no concern has been taken from them at all. I have resent my documents but no longer have time to continue waiting another month like I have already done.
Consumer complaint received 2024-02-14
Product: Credit reporting 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. (NY)

I have, for some time, been trying to solve aa major problem with the agencies and the corporations and debt collectors whom they have allowed to put phony, unreasoned, baseless, items on my credit report unpermitted. I am now taking the necessary legal action under the FDCOA and FCRA against the agencies so that these ill-found items can be corrected and removed from my report.
Consumer complaint received 2016-06-07
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: National Credit Adjusters, LLC (VA)

Was unable to make payments on a loan I took out with XXXX, due to illness. The account was sent to National Credit Adjusters and they contacted me regarding the debt. I was able to set up good faith payments of {$50.00} per month while I attempted to come up with the money to pay off the account. I was late on my XXXX payment and offered to pay it on XXXX/XXXX/XXXX. The person who had worked with me previously advised that her manager was taking over the account. His name is XXXX XXXX - XXXX x XXXX. I explained my situation and requested we continue the {$50.00} per month payments until I could catch up with my other bills. I advised that I would need until the end of the year. XXXX XXXX was extremely rude, accused me of not wanting to pay my debts, made false statements regarding the value of my home, and accused me of declaring bankruptcy in XXXX, none of which is true. He has threatened to have me sued. I requested multiple times to have him work with me but he declined. His tactics were extremely antagonizing, derogatory, and unprofessional.
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NC)

I am filing this complaint against Experian. Experian is violating the FCRA, by knowingly listing unverified accounts and personal information on my credit report. Experian has ignored my repeated requests to provide me with the documents or copies of the documents that they are using to verify the accounts, I have disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA, Experian is required to " ... promptly DELETE all information which can not be verified '' that I disputed. Please help me resolve this matter as soon as possible. Thank you.
Consumer complaint received 2022-02-12
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. (MD)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2022 regarding inaccurate accounts on my report. 
I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2017-04-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advanced Collection Bureau, Inc. (TX)

XXXX retype my lease and changed dates and took my previous signature page from the past lease that ended on XX/XX/2011. And made copy of my signature page and add it to a new lease. My lease ended and I never did a lease renewal or gave consent to reinstate my lease the lease enter into a month- to- month. And rent was paid in full each month XXXX was given a 30 days notice as state in the lease. XXXX is trying to collect a debit that is not accurate.
Consumer complaint received 2015-05-15
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (CA)

I had fraudulent activity on my checking account. I had to request stop payments to conserve cash to pay my rent. I opened a new checking account but the issues continued and it takes up to 90 days to get money back. 
BMW Financial Services would not take my bank account or debit because of the returned automated processing with changing accounts and the fraudulent activity. They did not provide an easy way to pay them and instead harrassed me and accused me of setting up payments and canceling them. They also charged late payments and reported negative credit. I am working with XXXX XXXX XXXX to draft a letter for the payments due to fraud activity but they are still refusing to acknowledge any issues of this kind which is UNFAIR and UNJUST!. I have always paid them timely. They did not provide me a way to pay online or over email. I had to call and listen to several include a supervisor say accuse me of delinquency rather than provide a way to pay. Of course, being upset, they would not provide the way to pay until just today XXXX/XXXX/2015 by XXXX XXXX after several months of advising of the situation. I had to make a choice, pay rent or pay car. I let them know I would pay as soon as I got the money for the fraud ( I do n't have it all back ) but today I am paying them in full vs having food etc. for the rest of the month. There should be policies in place if you have fraudulent activity that vendors will allow letters from bank to waive the fees and provide an easy way to pay versus harrassing their clients. I am sick with their poor services and chastasizing me. I do n't want to do business with them in the future.
Consumer complaint received 2020-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (FL)

Early part of 2019 id filed a complaint with the Federal Trade Commission Office for identity Theft i was working a credit agent and i went to the local office depot to fax my personal information to the credit agency company, and the young man that was assisting me put the wrong fax number into the fax system and immediately days after my bank account was compromised and weeks, months later i notice things on my credit i did'nt apply for. Now im still fighting to get these items off of my credit reports. And now those account has been charged off and closed, but still remains on my files. Im asking that these items be removed from my credit files immediately, and if not i will be filing a small claims action against these companies, Per- Acima Credit XXXX XXXX , XXXX/XXXX, XXXX XXXX .
Consumer complaint received 2016-10-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Applied for a mortgage modification with Bank of America after two years we realized that the process was not honest. We had XXXX different loan officers submitted government XXXX forms over and over, resubmitted bank statements, hardship proof statements, paystubs, social security awards letters and proof of income and work statements. We were constantly told the process is with the underwriters only to have another requirement. We had telephone appointments to make and it was just a waste of time. Hope you could help other people avoid this.
Consumer complaint received 2018-03-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (OH)

I had been investing in XXXX on coinbase. On XX/XX/XXXX I saw my checking account had been charged 4 transactions. 2 for {$200.00} and 2 for {$100.00} from coinbase. I looked at my account on coinbase and no currency had been added to my account, it was only a debit from my checking. I called my bank and reported the charges. The next day XX/XX/XXXX, they were credited back and my checking account and my coinbase account were where they should be. On XX/XX/XXXX I got an email stating because of the reversal by my bank they were taking the funds back. They then withdrew those same 4 amounts from my coinbase account leaving me with nothing. I have had multiple contactys both by phone and their email support and I get the same answer that they will assign to specialist and no one ever follows up with me. Ever.
Consumer complaint received 2021-01-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

On XXXX XXXX my husband and I took out a mortgage with XXXX  XXXX  XXXX. Two years later we refinanced the loan with XXXX XXXX  which was sold to XXXX XXXX XXXX  which was sold To Wachovia bank. To make a long story short XXXX  never released the original mortgage lien. We did not have knowledge of this lien until we sold our house 3 years ago and to our shock was informed of it.Obviously the sale of our house fell through. Not only have we paid our mortgage but we have paid thousands of dollars in interest over all these years. XXXX has been out of business for 28 years we feel XXXX XXXX  was responsible for making shure this lien was released therefore shouldnt Wachovia be responsible? We would appreciate any help you can assist us with as this has been terrible XXXX  we are blameless in.
Consumer complaint received 2017-02-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (MD)

in XXXX 2016 my daughter traded in her XXXX, XXXX that she had for almost 2 yrs. XXXX XXXX paid off the vehicle by sending a check for XXXX to Wells Fargo Dealership. They shorted the pay-off check by {$170.00}. Since I had co-signed for the Equinox, as soon as I found out there was a balance remaining I contacted XXXX XXXX. They sent the remaining balance on XXXX XXXX, 2016. My daughters XXXX payment was due on XXXX. Wells Fargo reported to the credit bureaus that the payment was 30 days late. They received the check XXXX/XXXX/16 and they should have received they last XXXX XXXX/XXXX/16. that would not cause it to be 30 days late. My daughter never had a late payment while she had the XXXX. I do not understand why the first check was not posted to the account when they received it instead of holding it for two weeks and posting them both on XXXX/XXXX/16.
Consumer complaint received 2015-08-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CT)

Hi, my report says I was late on mortgage for many months, the truth is I was going through a harp process and I made all payments as required under the terms of harp. I was approved for program and made all payments to them, Wells Fargo/asc did not talk to each other during process but that 's not my fault, I swear I made payments on time, or else I would n't of gotten approved for harp. Wich I did!!!!!! do someone over there is not doing there job correctly and does n't care about my credit which I 've been doing much better on thanks to XXXX. Thank you. There 's XXXX more problems on report, thank you and I look forward to your response.
Consumer complaint received 2015-08-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (CA)

I have a adjustable home mortgage with Wells Fargo. I decided to refinance to lock in a more affordable, fixed rate. I went to my local Wells Fargo branch to get the process started. 

After running my credit, I was denied pre-qualification because of erroneous reporting of numerous late mortgage payments and a balance with about a {$300000.00} difference on my actually balance. 

I contacted Wells Fargo about the situation numerous times and got a variety of experiences:1. The representative looked at my current payment history for the last few years and noted that I was never late and confirmed my current actual balance but offered no help to fix my credit. I was told the reporting is automated and there is nothing anyone can do. 

2. The representative could not find my mortgage account after I provided my account number, social security number, property address and phone number. 

I need to refinance before the rates go up and Wells Fargo has done nothing to help me with the erroneous reporting in my credit report.