davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NJ)

I received notice from XXXX ( the originating lender of my student loan ) that my loans were being sold. However, I 'm now paying two companies : XXXX and XXXX. XXXX claims that they own my loan, but when I ask XXXX for documentation, they only provide me with information about the original bill and claim that they are only " servicing '' the loan, which appears to contradict what both XXXX and XXXX have told me.
Consumer complaint received 2015-04-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I filed a complete loan modification packet with Wells Fargo Bank, afterwhich Wells Fargo Bank denied my loan modification request. 
Wells Fargo Bank 's denial letter had factually based errors contained within it. 
So I filed a timely appeal and included additional exhibits A through F ( approx. XXXX pages ). 
Wells Fargo Bank thereafter sent out a notice of receipt of my appeal and that letter also contained factually based errors by stating that my appeal was submitted without additional documentation and that I had a present bankruptcy case. ( none of which was true, see attached appeal and Wells Fargo 's incorrect letters ) Wells Fargo than tool less than three days to deny my appeal and did so without XXXX providing me with the additional documentation that my appeal had requested from Wells Fargo, instead I was told that my loan modification was denied. 
Wells Fargo Bank commits these errors either through gross negligence or intentionally created and Wells Fargo Bank has no intention of conducting a good faith loan modification review. 
Wells Fargo Bank should not be allowed to just deny loan modification applications based on factual errors, and than Wells Fargo Bank should not be the only entity to review their own errors in the borrowers loan modification appeal. 
Wells Fargo Bank literally just goes through the motions in order to appear in compliance with the law, but than does not even bother to read the borrowers documents that they have submitted in support of the loan modification process. 
Than when Wells Fargo Bank denies the loan modification application, they refuse to send you the denial letter by fax, and instead they choose to use the XXXX Mail which always takes approximately XXXX additional days to receive. 
This act alone also cuts into the borrowers time to prepare documents and submit a timely request for review. 
Wells Fargo Bank 's entire loan modification process is a farce and set up to blatantly ignore the borrowers information in order to expedite Wells Fargo Bank 's predetermined denial. 
Wells Fargo Bank continues to violate the CFPB 's rules and regulations.
Consumer complaint received 2022-09-07
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: EQUIFAX, INC. (GA)

I asked for verification that the reporting info was correct and they did not properly do so. I have misleading info on my report and my info is being misused since it is inaccurate! They stated everything was accurate and I found inaccuracies myself! They have to follow FCRA and according to that these accounts violated the law Alleged Data Provider, Alleged Account number, Alleged Adverse or Derogatory claim : XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$4900.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$3000.00}, Payment : {$34.00}, Issue : Late 180 Days XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$2100.00}, Payment : {$39.00}, Issue : Late 120 Days XXXX XXXX Date : XX/XX/XXXX, Account # : XXXX, Amount : {$2500.00}, Date : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$1400.00}, Payment : {$15.00}, Issue : Late 180 Days XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$4900.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$3000.00}, Payment : {$34.00}, Issue : Late 120 Days XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount XXXX {$2100.00}, Payment : {$39.00}, Issue : Late 120 Days XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$2500.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$1400.00}, Payment : {$15.00}, Issue : Late 120 Days XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$4900.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX Date : XX/XX/XXXX, Account # : XXXX, Amount : {$3000.00}, Payment : {$34.00}, Issue : Late 120 Days XXXX XXXX Date : XX/XX/XXXX, Account # : XXXX, Amount : {$2500.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$1400.00}, Payment : {$15.00}, Issue : Late 120 Days XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$640.00}, Payment : XXXX XXXX XXXX XXXX : Collection/Chargeoff I have just learned that USC 15 1681 602 A states I have the right to privacy I wasn't ever given the notice of the right to opt out and given instructions! The credit bureaus are violating my rights and the law! I am demanding that these items be removed immedialty!
Consumer complaint received 2017-02-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (TX)

I called the finance company after my vehicle was repossessed. They did not care that the tow company damaged my car. I explained that the agent hit the fence with the vehicle and that there was damage to the vehicle on the passenger side and they drug a hugs log under my car. The manager XXXX as he called himself talked over me, cut me off when I was talking. Granted I was upset because the issue was that the company they hired damaged my vehicle and the finance company did not care. But when I picked up my vehicle it was covered in dirt ( my car was clean before they took it ) so I could not see the scuff marks, scratches and chipped paint until I took it to get washed this is on the driver side door where he hit the fence. I had already filed a complaint with the tow company after they picked up the vehicle. I filed a complaint with the tow company after I had it washed to let them know of the damages and they have not responded. I let them know I will take my vehicle to the dealership to see if there is any damage underneath where the agent drug my vehicle of a log that he had to go under my car to remove. The issue was not about my vehicle being repossessed it was how it was done and damaged. I need my vehicle repaired.
Consumer complaint received 2017-04-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (OH)

I am again going through my repayment options  with Navient. And again,  my only options are to do a forbearance based on my income. I borrowed  XXXX  and now owe $  XXXX . I need to start paying on these loans but for many many years my only options are to either do the forbearance with {$0.00} payment or to pay a very large monthly payment which I can not do based on my finances.
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (ME)

I signed up online for a promotion from Discover for a credit card offering a 12 month 0 % balance transfer option. I was approved and proceeded to transfer {$1500.00} from a XXXX XXXX card with a high interest rate. When I received my first bill from Discover, it showed an interest charge for the balance transfer. I contacted Discover, and they are telling me that we replied to a " counter offer '' with different terms. This is incorrect. Everything was approved during the initial application online. Even now, when I do a soft inquiry on their website to see what I may be approved for, the offer is still open to me to submit a balance transfer at 0 % interest for 12 months. Discover has said they will review it, but to allow up to 30 days for a response and in the meantime I should consider transferring the balance to a different company. This is not acceptable.
Consumer complaint received 2016-01-18
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Patient Account Services, LLC (AZ)

Agent from Patient Account Services ( PAS ) called my cell phone, demanding payment of XXXX. Without letting me speak after I had asked what the debt was for, the agent rudely asked if I knew " how much money '' I had in the bank, and preemptorily said he would write me off as " refusal to pay '' then hung up. I had no chance to ask any questions, provide or receive any relevant information, etc.
Consumer complaint received 2020-11-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IL)

Hello! 
I accidentally sent money to the wrong person on Venmo on XXXX in the amount of {$1300.00}. 
Venmo tells me there is nothing they can do and that's it. 
The person gets to keep the money. 
I can not believe that they can not do anything and Venmo is not responding to any of my requests for inquiry. 
I have contacted the person I sent the money to on several occasions and and they are not responding. 
What do I do now? They are not assisting in any way. 
Any help would be greatly appreciated! 
Thank you, XXXX XXXX : XXXX XXXX Request for inquiry # XXXX
Consumer complaint received 2017-04-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Financial Credit Service, Inc. (NV)

The loan date is back in  XXXX , and last activity on that loan on my part was in  XXXX . The loan company is located in Maryland, and the loan was taken out in Washington state. The place contacting me is out of  XXXX , IL named  ARA (    Asset Recovery Associates ).
Consumer complaint received 2017-02-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (NY)

On my line of credit account I owed {$160000.00} and It was refinanced with the same bank ( PNC BANK ) and same bank according to a payoff statement they paid off {$160000.00} on XX/XX/XXXX. Based on this old line of credit account should have been closed with XXXX balance instead, I see that PNC Bank still shows {$610.00} outstanding under my account and when I called they said I still owe them interest in the amount of {$240.00}, which I paid right away on XX/XX/XXXX and the balance {$360.00} according to PNC is the charge for closing the line of credit account early ( before 3 years ), which they will waive since I opened up another line of credit account with the same bank and account will be cleared with no dues in 2-3 business day. I checked my account on XX/XX/XXXX and found amount is still outstanding so I called PNC bank on XX/XX/XXXX and again they gave me the same answer saying they will escalate this and will be resolved, I called again on XX/XX/XXXX and I was told that now I owe {$360.00} for account closing and another {$360.00} for diff in payoff amount ( which they done have any explanation on ) so in total according to PNC I owe {$730.00}. 

I have also had issue with the same bank XX/XX/2016 on my line of credit account where they tried to debit ( ACH ) my monthly payment from random account ( I didnt have any PNC account ) and when payment was returned they charged me fees and then reversed but from my next payment they took away the entire amount and applied it to the interest instead of my term which is principal and interest. 




Also, this account also shows that my next payment due is {$910.00}, can you please let me know why since this account is already closed? 




On my new line of credit accouint ending in XXXX - When is my next payment due and what would be the amount? 




I would really appreciate if you can help me by answering above and taking care of this. 


Thank you, XXXX XXXX
Consumer complaint received 2017-03-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (LA)

Freedom Mortgage is not calculating my monthly escrow payments appropriately. As a result, when it is time to make payments for taxes and insurance my escrow account is short. This is not a result of taxes or insurance increasing as my taxes stayed the same and my home owners insurance only increased by {$50.00} for the year. My escrow account is short approximately {$500.00} and they can not offer an explanation as to why. My frustrations are fueled even further by the fact that this is the second time this has occurred. I need to know why there is a shortage and what can be done to prevent this in the future? Lastly, I would like to point out that the damage has been done for this year as we will now have to pay extra on our monthly escrow payments to make up for the shortage. This clearly could have been avoided if we had been given the appropriate amount to pay each month instead of what seems to be some kind of made up amount.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica (NE)

XXXX. I called direct Express to report unauthorized transactions. When I called it took me 22 times to get somebody. Then my call was dropped. I did not get a chance to get a replacement card. XXXX I started calling at XXXX a.m. I called over 46 times and I keep getting high call volume and ends the call. I am XXXX and communicate via email there is no access to any email on this site the website is not XXXX compliant. I have to pay somebody to sit at my house to contact this Bank. I don't have access to my money I have a XXXX day eviction notice. I have no money to pay somebody to sit at my house to call. I have no card number to transfer to a bank account. I've called from different phone numbers. There's no other option for people who are XXXX to contact this company. I have XXXX pages of screenshots showing the calls. My money is not protected there like a regular Bank. I have had disputed transactions before and never received the money. They've never refunded me. At a normal Bank you are covered.
Consumer complaint received 2023-04-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My accounts with Capital One were compromised in XXXX of last year. I have checking and savings as well as a credit card. Everything was cleared up and the money has been replaced. I just want to close my account and get my money back. I have verified the account several times with my ID and they keep telling me to go to the branch, which there are none of in my area. I just want to close my accounts and get my {$16000.00} back. I have been getting the runaround from these people for the last several months. I have submitted my id several times and yet they keep telling me to go to their nonexistent branch.
Consumer complaint received 2019-08-08
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: Experian Information Solutions Inc. (GA)

I have made contact with this bureau on XX/XX/2019 and XX/XX/2019 in regards to an account that is on my report twice ( 1-Negative, closed account with status showing Collection account # XXXX and 2- Closed account with status of payment ( - ) with Paid Collection for account # XXXX ) the 2nd one being acceptable but disputed as accurate. I also disputed the accuracy of a Bankruptcy-chapter XXXX reporting on my report due to lack of acceptable verification, I sent them copies of letters to court requesting how they verify and from court stating they do not verify. I have also sent letter to XXXX requesting the same information. 
I am a XXXX veteran and I am in the process of trying to become a productive XXXX to assist in the health and nutrition of our community and these 2 issues are standing in the way with no fault of my own. I have requested the bureau to remove these items from my report immediately.
Consumer complaint received 2022-09-07
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. (SC)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and XXXX have gotten into hands of the wrong person. ''
Consumer complaint received 2015-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Patient Account Services, LLC (FL)

I have paid this debt in full as of XXXX XXXXXX/XX/2015 to XXXX. The unpaid collection continues to be reported by Patient Account Services. I requested a verification of the debt and received a response dated XXXX XXXX XX/XX/2015 stating the current balance on this account is still {$1000.00}.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

XX/XX/24 File aXX/XX/XXXXwife was to make payments in a timely manner. Account has been late and a XX/XX/XXXXXXXX was filed without my consent or knowledge. Due to her filing bankruptcy and because I am a cosigner on the vehicle, they have placed her bankruptcy as well on my credit report hindering me from obtaining homeownership. I am requesting for this bankruptcy account to be removed as soon as possible. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recently reviewed my credit profile and there are accounts that I did not authorize reporting on my files. I am not associated with any of these accounts and would like these inuqiries removed from my credit file as I am currently in the home buying process and this is greatly hindering me. 

Transunion : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-10
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: EQUIFAX, INC. (MO)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 





XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2016-06-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

BANK OF AMERICA required me to apply for the Hardest Hit Fund before they would assist me with a loan modification. Once my loan was current because of the Hardest Hit funds, BOA refused to give me loan modifications options I could have qualified for with my loan current and up to date because of the Hardest Hit funds. My only income is XXXX and child support. They have increased my income by 125 % to determine my new monthly mortgage payment because they claim it is not taxable. 
Even with this inflated amount, they are proposing a 90 day trial where I make a mortgage payment to BOA that is 39.75 % of this inflated gross income figure they have come up with. 
It 's 56 % of the net income that my family has to live on each month. I do n't see how this is an FHA compliant modification. Because I asked a question about the income numbers they used, BOA is trying to claim I 've opted out of the trial offered. I did not XXXX out of anything. BOA asked me to fax my inquiry to their opt-out team to be reviewed. This process should be this complicated. It should be geared to protect the consumer/citizen. I need action and help to make this right. I have XXXX children and stability is paramount to the well being of my family.
Consumer complaint received 2022-08-10
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. (MO)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 





XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$220.00} ; XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$860.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2022-08-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Paypal Holdings, Inc (AZ)

My account became limited use. I provided all docs except for funding the XXXX and some change. It the account will not allow me to fund my account to take care of the overdraft. No where. No cash loads transfer no nothing. My question is how do I resolve this. I want use of my account again. Thx