davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Hi, I have a mortgage loan through SLS account # XXXX and I never can catch my mortgage with them from the start due to high interest rate. I 've been so far behind now I am at the point where I am going to loose my house. The only thing that is keeping from foreclosure is BK Chapter XXXX. I am really stressed out and I really do n't know what to do from here, The only thing I can think of is to request a loan modification. Hopefully this can help me keep the rate and principle down and avoid foreclosure. I never got the loan documentation and I am completely upside down. The lender never contacted me to start the loan modification or any type of assistance. I think my current rate is 9.5 % and I am so far behind with my current mortgage. 

Please see what you can do to help. 

Thank you.
Consumer complaint received 2015-08-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: First Data Corporation (OH)

please refer to # XXXX I had a acc with XXXX XXXX they closed my acc and are telling me I am stuck with the credit card processor till the end of the contract. I was told I would be let out of it by XXXX in security. XXXX XXXX vice president of consumer affairs was rude condescending. please help its been going on for 4 months.
Consumer complaint received 2016-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (CT)

My loan repayment terms had changed based on my requesting and having been approved for a forbearance on the loan. The first month of my forbearance repayment period was subsequently erroneously recorded on my record ( and thus on my credit report ) as having been a late payment- this was incorrect. I called the loan company who then corrected this on their own records but this error continues to be negatively effecting my credit and remains on my credit reports.
Consumer complaint received 2015-05-13
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Collection Bureau of America Ltd. (CA)

This is the second time they 've repeatedly called me after I sent them a " cease communication '' letter. The first time was from XXXX XXXX, through XXXX XXXX, 2012. On XXXX XXXX, 2012, I sent them a second " cease communication '' letter. 
I 'm not entirely sure when the calls started again ( I erased my Caller ID ) but since I erased my caller ID, I 've received five calls ( from XXXX XXXX through XXXX XXXX ). They do n't leave a message so today I called to ask them to stop calling. The woman who answered the phone was extremely rude. She told me name of her company but hung up on me the second time I asked for their address.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-12
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX has a complaint against it. This is to re-apply a complaint against XXXX in case I have failed to do it properly the first time around ( mentioning all the parties to the matter in the original letter instead of just one ). 

Negative reporting of not paying a debt which I paid to the wrong Bank of America account on their New Bank of America ( debt buyer credit account ) that belonged to another credit account supposedly that was a debt buyer as well, known as XXXX XXXX formerly Bank of America. The consumer should have been informed it did n't belong in the paid up account known as the New Bank of America, former grantor Bank of America, and sent back to her timely. Instead it was wrongly transferred to XXXX XXXX after the cut-off date and I was found to have not paid the credit account. After several credits, the debt reappeared in the automatic system as owed with fines and late payments. When I could no longer figure out what I owed, I stopped paying any debt. I phoned, Emailed, and wrote complaints to no avail. The debt buyer never tried to honor consumer rights. It has no signed agreement from me, and no documents either.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2020-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

My account has been defrauded/ scammed by means of bad checks that I had received. Upon calling Wells Fargo the first time I noticed the checks were placed on a hold about 5 days after funds were made available to me. Not once was I sent an email or letter via mail notifying me of why they were placed on a hold. I was told by the representative to wait it out and the funds should be available by XX/XX/XXXX. That felt suspicious. I decided to take initiative and file 3 claims on XX/XX/2020 to dispute multiple transactions as well as file a case for fraud. After making multiple attempts to contact Wells Fargo, each representative tells me something different and eventually ends up hanging up the phone so my issue can not be resolved. I was scammed by being sent bad checks then being asked to forward that money to a relative in need. This scam is ongoing and very prevalent during this pandemic. Wells Fargo has denied two of my claims so far, and are trying to make me responsible for the fact that I WAS SCAMMED. After nearly 10 years of banking with this company and never having this issue prior, this is how they choose to take care of their customers : by allowing them to be scammed and defrauded to make me responsible for money that was never in my hands in the first place. I want my claims to be resolved in my favor, as they should be. I should not be made responsible for someone who chose to fraudulently write checks, especially when my bank failed to notify ME of this suspicious activity or possible fraudulent checks.
Consumer complaint received 2017-02-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I surrendered the property at XXXX, XXXX VA XXXX in XX/XX/XXXX during a modified bankruptcy plan. Bank of America never transferred ownership after my bankruptcy was dismissed. This is hindering me from purchasing a home and is holding me accountable for anything associated with the property ( grass, trees, etc. In XX/XX/XXXX they sold my loan to XXXX Mortgage who is currently trying to collect payment.
Consumer complaint received 2020-10-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC (NV)

RISE charged off my account, but an agreement was reached between RISE CREDIT and I, that if I paid a certain amount they would reverse it. I paid that amount but they did not fix it on my credit report.
Consumer complaint received 2016-09-27
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

I 'm a current client with Bank of America who has decided to refinance. I thought because I have been a client with BOA for 13 years and that they have my info and history that it would be pretty easy but I could n't have been more wrong. The experience has been an awful and I would never recommend them. I reached out locally and did n't get a response. I called the XXXX number and I was put on hold for 14 min before I hung up. I called the local office again and finally heard from someone. The documentation they were requesting was way out of what is normally requested but we complied. Our mortgage office had said she has never seen clients asked for the documents we needed to produce and because it seemed so ridiculous especially for a refi with current clients who have great credit and standing with the company she kicked it up to her superior of which nothing happened. They need documentation from the association, which was sent and but I was told they never received. The association let me know that they not only sent it that BOA sent them all my personal information including SSN in an unsecure manner. BOA said they did n't have the ability to send emails in a secure way which is absurd for any bank never mind one of the bigger ones. All of my personal information was breached, apparently went somewhere but BOA never got it. The association resend my info in a secure manner and BOA ca n't open it. The hoops that I have had to jump through the lack of customer service and the breach in my personal information have lead me to NEVER recommend them to anyone. At this point they have everything but the association docs ( because they ca n't open them ) and I 'm heavily contemplating pulling the whole thing and going with a much better mortgage company. They do n't deserve my business. In todays world with identity thief they have completely exposed me and my family and I have no confidence in them as a financial institution. If anyone has lending needs DO NOT USE BOA.
Consumer complaint received 2022-09-05
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. (FL)

I have constantly been mailing disputes to Experian regarding negative reporting accounts. I have yet to see any changes and feel discouraged. I am not getting any results with handling the issues at hand. I am simply seeking for the buera to provide 100 % proof that the negative accounts belong to me. I have no knowledge of the accounts being reported. The buera is not completing a Thoreau investigation they are simply marking the accounts as verified to just move on. This is not right for the information to be held on my report without any written proof of any claims or some type of supporting documents. Accounts that are not being accurately reported is defamation to my character.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ERC (MO)

I tried to have all these companies that are showing on my XXXX credit report remove. I tried to dispute it with the companies and also XXXX but unsuccessful there are third party collections agency that have 2 of my accounts that are paid in full for XXXX and XXXX. My personal information is showing up on the Dark Web which social security number and and all my personal information I was notify by XXXX XXXX on XXXX XXXX. I have been trying to get help regarding this matter. The list of companies I want remove from my XXXX account XXXX XXXXXXXX XXXX  XXXX, Enhanced Recovery Company, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

There is an account showing in collections and is still being reported as late when is already paid off. XXXX and XXXX have removed this account, and I am not sure why is still being reported as late. 
The account is for XXXX, for the amount of {$160.00}, the account was paid off on XX/XX/2024 and the confirmation number is : XXXX.
Consumer complaint received 2022-02-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

I was scammed out of {$500.00} on XX/XX/2022 through my wells Fargo app and the XXXX  link to my account. Wells Fargo is not covering the scam even though they know for a fact I was scammed. The side an investigation and concluded that they did not have to cover the scam charge. This is unacceptable behavior from and institution that supposed to take care of it's customers when they have been scammed.
Consumer complaint received 2020-07-14
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

I came into Chase Bank, I wanted to open a savings account and this employee informed me she NEEDED to run my credit to see IF I qualify for a saving account. she asked me for my social security and she said it was going to appear as a hard inquiry. I told her i wasn't requesting a credit card and there was no reason to run my credit. She was absolutely rude and belittling. After I informed her I work at a bank and I know there is no need to run or do a hard inquiry on my credit to simply open a savings account she proceeded to try and do the account anyway running my credit. I asked her not to and to return my id and social security card. I am unsure if she did open a saving or credit card without my consent. 
Bank address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, employee name XXXX XXXX.
Consumer complaint received 2016-04-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX/XXXX/2016 I was charged XXXX {$35.00} fees for XXXX bounced checks. The checks were or {$5.00}, {$10.00}, {$10.00}, and {$50.00}. I called to see if they could assist on removing the XXXX smaller ones, those XXXX checks do not even total XXXX of the XXXX overdraft fees. i was advised they could remove XXXX. I asked to speak to a supervisor, I asked him the same question and was advised if it was a bank issue he could refund all of them but due to it being my bookkeeping issue there was nothing he could do about it. The man was hastly and unconcerned about the situation.
Consumer complaint received 2016-03-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MI)

I 've had XXXX credit cards with Citibank since XX/XX/XXXX. XXXX is a Thank You card and the other is a Diamond card. On XX/XX/2015 I changed bank accounts and tried to change my autopay to the new banking information on the Citibank website. The Citibank website would not let me do this, so I called customer service. The agent stated that I had to cancel the current autopay with old information and resubmit with the new information. I did this with the agent walking me through the change and it stated the transaction was pending and would take up to 2 business days and the next payment was XX/XX/XXXX. I then received a notice that I was 35 days late ( on the Diamond Card ) in XX/XX/XXXX when I contacted Citibank they said that autopay was cancelled although it still stated that it was pending. ( I took a screen shot of the pending transaction ) This caused a ding on my credit and a few days later they reduced my limit on the Thank you card from XXXX down to XXXX only {$100.00} above my balance without notice, which caused that card to go over the limit. I contacted Citibank customer service 7 times and spoke to XXXX different people trying to get this resolved. Then they automatically pulled a payment from my old checking account ( They told me autopay was cancelled ) and this caused an overdraft on my old checking since I moved all my money to the new account. The last customer service agent hung up on me so I stopped calling. I disputed the ding on my credit but I am not sure where to turn at this point.
Consumer complaint received 2016-10-06
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I received a phone call from Bank of America this morning letting me know that I had missed a payment ( about a week ago ) on a mortgage. Bank of America Variable Rate XXXX XXXX XXXX XXXX I said that I would log into BofA website and check the status and make a payment. They told me that PAST DUE payments are NOT displayed on the website, only future payments. Sure enough, when I logged on, I could see my NEXT payment due but not my current slightly late payment due. This is STUPID. How can I pay what is past due if the website will not show it to me. So I just paid and added {$100.00} or so to make sure it was covered. I then tried to find some way on the Bank of America website to send them a email or message to describe the problem. and I could not find any link to email or message them on line. This is STUPID. 

I might add that I missed a credit card payment by two days, and I made that payment today. But when I went to the Bank of America website it DID NOT show me the amount that was due, but it showed me the total due INCLUDING A PAYMENT NOT DUE FOR ANOTHER 25 days. STUPID STUPID STUPID. My credit card ending in XXXX Seems to be a pattern here, if I miss a payment on a credit card and log in, it shows me the total due included an accelerated amount for a payment not yet due. This is insipid.
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion, has failed to report correctly despite multiple attempts to correct information. I have sent disputes via mail and through the website. Not only has it been embarrassing to my brother, who they have fully disclosed his debt and financial situation to me, but it is jeopardizing my ability to provide for my family as we are coming up to some major financial decisions in the next year. TransUnion is the only XXXX out of the XXXX agencies that is grossly incorrect. I am currently active duty and XXXX dealing with the hardships that come along XXXX and having to deal with this credit agency over and over again is completely absurd. 
After sending in all proper documents for identification and detailed documentation identifying each dispute TransUnion responded with an even more faulty report. Attached are the documents with hand written corrections. Not only did they keep the items that are not associated with me but they took off an item that actually belongs to me. I am unsure if this is my brothers report with my name on it, or if they just continue to not know how to discern XXXX individuals with a very similar name, same birth date ( we are twins ) and different social security numbers. I am at a loss on how to the credit reporting agency is unable to do its job to properly investigate and report.
Consumer complaint received 2022-02-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association (TX)

I reached out to Homeloanserv for the Covid Forbearance and then around XXXX of XXXX my account was reviewed and elgible for the FHA Partial Claim/Modification program XXXX Well Homeloanserv sent my paperwork after XXXX XXXX weeks to a stranger with all my personal information it and a higher amount that was incorrect. I asked them to hold off because i was approved for a grant that bought my mortgage current and then spoke with supervisor XXXX that gave me an option to modify my loan. It took over 4 months to receive the modification agreement. During this time my property taxes was paid early XX/XX/XXXX. Homeloanserv did not do an escrow analysis or anything for me. They waited until XX/XX/XXXX to process my modification and posted late on my account. A payment for XX/XX/XXXX of {$1800.00} was sent to Homeloan on XX/XX/XXXX and they have it posted on my account with the wrond date XX/XX/XXXX. I have enough money in my escrows over {$9000.00} to cover my property taxes for rest of year including property taxes over {$1600.00} that was included into XXXX & XXXX XXXX payments. They have not sent me a surplus refund or even asked if i wanted it. Homeloanserv did not pay my property taxes to XXXX XXXX. They wont even provide me with proof of their payment which i requested already. I am double paying property taxes and my loan should be updated and overall monthly payments reduced with the prepaid taxes in the escrows. They wont return my calls, they are lacking in professional principle ethics and not communicating with me or granting any type of help. Just taking me in circles with stress and frustration which would leave me with inaccurate mortgage finance numbers on my account and push me to be late or possible foreclosure. I dont understand their unprofessional behavior. I need a resolution immediately
Consumer complaint received 2016-09-15
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Navient Solutions, LLC. (IL)

I was contacted by XXXX XXXX XXXX XXXX more then 5 times a day. Finally when I was able to answer from getting home from my XXXX job, the employee told me that if I didnt pay my bill that I should get my suit pressed and prepare for my day in court. That it would be a long time before I was able to live a normal life because in their words " dead beats are dead beats '' It was a horrible call and my XXXX children heard this as it was on speaker phone while i was making them dinner. They cursed at me and told me I was a loser. Please help me and prevent them from doing this to other hardworking people.
Consumer complaint received 2018-05-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

I owe two payday loans and have done so for years but this time I have defaulted. I am on social security and just do not have the funds to repay at their rates.