davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (VA)

I have a credit card with Wells Fargo that has a zero interest rate. There are 4 promo balances on it. The zero interest rates on the promo balances begin expiring on XX/XX/XXXX. I will have sufficient cash, over the next few months to pay these off ( if Wells Fargo applies them appropriately ie applies the minimum payment first, and then applies the excess payment to the FIRST expiring promo balance, and so on. 

I have contacted Wells Fargo, via email, and each reply simply restates the previous " we apply Minimum Payment first to lower APR balances ( Purchases ) before balances with higher APRs ( Cash Advances ). Payments made in excess of Minimum Payment will be applied to balances with higher APRs first before balances with lower ones. '' Note : I have never made a purchase on this card. There are only the four promo balances. Wells Fargo did note in their reply that my APR will jump, after the expiration dates of the promo balances, to 18.15 % for Purchases! This is very convenient, as you will note below, that they have refused to allocate my excess payments to the first expiring promo balance, but rather do some kind of broad allocation - 33 % to the first balance / 31 % to the second / 14 % to the third and 21 % to the fourth. I do n't mind them allocating the minimum payment however they wish, but if I pay an extra amount of {$1000.00}, and I want it to be paid to the first expiring balance, I should be permitted to choose this option. 

Their most recent reply - again - the third time in 6 weeks - was ... '' Payments made in excess of the Minimum Payment will be applied to balances with higher APRs first before balances with lower ones. Because your balance consists of four promotional balances of 0 %, each balance will receive a portion of the payment. '' In my most recent communication with them, I offered to call in each time I make an extra payment and indicate that the first balance should be reduced by the payment etc. I have four balances - first one expires XX/XX/XXXX, second one expires XX/XX/XXXX, third one expires XX/XX/XXXX and fourth XX/XX/XXXX. The total I intend to pay between now and XX/XX/XXXX ( excluding minimums ) is about {$11000.00} and will more than adequately pay off the first two balances, if Wells Fargo allocates the payments correctly. 

I have a XXXX XXXX credit card and have promo balances ( 0 % ) on that card. XXXX XXXX does what Wells Fargo will not, they allocate anything in excess of a minimum payment to my first expiring promo balance. I fail to understand the difference. It also seems to me that this Wells Fargo matter is covered under your CFR Section 12 CFR 1026.53 regarding Allocation of Payments - am I correct? 

I would appreciate your assistance with this matter or any further information that you can offer me.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

I am affected by the Equifax security breach. There is potential that my SSN, DOB, full address, and DL number have been stolen. 

I was not notified by Equifax about this security breach. I found out about the security breach today, XXXX XXXX, 2017, via social media.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my instructions and permission. They do not.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XX/XX/XXXX late payment report is incorrect, called creditor and spoke with a representative, I was told to dispute the late payment and that they would correct the issue with all 3 credit bureaus. 

XX/XX/XXXX - Followed up with XXXX XXXX ( creditor ) and was told the same information by a representative.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (IL)

I have a private student loan with American Education Service ( AES ), which I pay on time. However despite the fact that I pay on time, I was reported 30 days late in XX/XX/2019. I contacted the company three times and spoke to 9 different " supervisors. '' They repeatedly assured me that my account correctly reflects that I was not late and denied reporting to the credit bureau that I was late. They sent me two different letters confirming that in XX/XX/2019, my account was in good standing and advised me to dispute it with the credit bureaus. 

I filed two disputes with all three credit bureau agencies and each time AES confirmed that the late payment was correct. I advised AES of this and they once again denied it. I was denied a loan because of my " late payment history '' so this error is negatively impacting me and causing me an extreme hardship. I am trying to get this resolved ASAP. Thank you.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA (MA)

I deferred my payment for my student loan and they were still charging me during my time of deferment. So on my credit its showing that I have multiple late payments because they claim when I deferred my payments I was not specific on which account. I make one payment monthly for all my loans why would I have to specify which account I was deferring.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I AM A VICTIM OF IDENTITY THEFT, SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNTS IN MY NAME : XXXX OPENED : XX/XX/19 XXXX. XXXX XXXX  XXXX OPENED : XX/XX/19 XXXX. XXXX XXXX  XXXX OPENED : XX/XX/19 XXXX. XXXX THE FOLLOWING FRAUDULENT INQUIRIES WERE ALSO OPENED IN MY NAME : XXXX   XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (OH)

My business accounts for XXXX XXXX XXXX, and XXXX XXXX XXXX. were closed at PNC Bank on XX/XX/2019. 

The funds in the accounts for XXXX XXXX XXXX. were {$19000.00} not including the {$21.00} they charged for a service charge for period ending XX/XX/19. I've never paid a fee like that before. It was taken for what reason I do not know. The funds for XXXX XXXX, XXXX. have still not been received. 

The funds for XXXX XXXX XXXX. were {$40000.00} not including the {$78.00} service charge that I was charged for again, I have no idea. I've never paid that before. 
the funds for this closed account have still not been received. 

Today is XX/XX/2019. Amost an entired month without my money.
Consumer complaint received 2018-01-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ACCT. XXXX # XXXX If account can't be VALIDATED it must be removed
Consumer complaint received 2023-01-18
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2016-07-06
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I recieved a BankAmericard cash rewards card XXXX. The rules then were 3x cashback on Gas, grocery, and drugstore purchases for the first 6 months. Plus, you earn 1 % cashback on all other purchases. After that was only 1 % for every purchase. This took over 5 years to reach the {$300.00} mark for cash rewards and would have been 25 % more, if it was transferred into the checking account I have had since the 90 's. But they decided to change all the rules and XXXX people out of {$45.00} of the money originally promised for over 5 years. They decided to change it to 10 % now in XXXX 2015. I just finally got to {$300.00} last month 's statement, I was told. I am angry that, it took over 5 years to try and use my card as much as I could to try and get to the {$300.00}, so I could benefit from the 25 %, the reason, I wanted to have the card in the first place. Now only to find out when I tried to transfer my {$300.00} it took over 5 years to reach, that I was not going to get {$45.00} of that money now. To me, this is a way to XXXX everyone who originally got this card, we all lose out on the 25 %. Which BankAmericard is now making money from screwing us all by changing the rules to take it to 10 %, they are making {$45.00} a head from everyone this has happened to, that has taken years to reach this goal. Now we are told, sorry plans changed. Well, I do n't know about anyone else, but this is not very good business. I feel like I just wasted over 5 years of my life, thinking I was soon going to get {$75.00} extra for using this card. How convenient, the average use of this card, will take the average person that long to get to {$300.00}, so they make more money off of screwing us, by changing the rules, when they see how many people are going to reach their {$300.00} goals. This makes me sick. I want my money from my original, reason for signing up for this card in the first place. If I would of known they were going to pull some XXXX like this, I would of never signed up for the card in the first place. Seems a little crooked business strategy if you ask me, not honoring that long of a customer 's contract. I called XXXX before writing this, XXXX, customer service, would n't or was n't able to do anything for me. I told her, sounds like I need to take my money out of the bank and cancel this card, cuz what is the next horrible thing you are going to change? I am not willing to wait to find out.
Consumer complaint received 2020-10-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Social Finance, Inc. (MD)

I used a referral link to apply for a Sofi Student Loan Refinance XXXX # XXXX XXXX which was first approved on XX/XX/2020. When I applied, my referral bonus XXXX {$300.00} ) was present on the application the entire time. Sofi went through two iterations to beat my competitor 's offers and I eventually decided to go with Sofi. I had my loan funded on XX/XX/2020. Having learned from past experiences of companies refusing to pay incentive bonuses, I reached out to Sofi customer service on XX/XX/XXXX about my cashback bonus. I was contacted on XX/XX/XXXX and told the steps I needed to complete to get my bonus sent to my bank account. Over the past month I have been dealing with Sofi Customer Service trying to get them to give me my bonus. I provided the email thread of me discussing the bonus with them directly and the link I used. Of course, yesterday XXXX XX/XX/2020 ) they informed me that they were not responsible for the bonus despite it being applied to my application. Promoting cashback bonuses to have someone accept a loan and failing to provide the bonus is illegal.
Consumer complaint received 2020-10-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION (PA)

On XXXX I submitted a check through Navy Federal online banking. 

On XXXX Navy Federal garnished {$2800.00} from the {$4000.00} check that I submitted on XXXX before the funds were even available to me. 

On XXXX I called navy federal and spoke to XXXX XXXX and explained to her that I have not received any notification about the {$2800.00} debt that I owed to them and she proceeded to argue with me about how dont I know. I also explained to her that I was more than willing to make payments on this debt and if she could please reverse the payment, as covid has caused my family extremely financial hardship and the one vehicle that we own is broke down and I havent been able to work due to it and myself and my family were counting on this check to help with our struggles. I explain to XXXX XXXX that I have not received any phone calls or mail about the debt nor did I receive anything saying that they were going to take money from my bank account that myself and my family were so desperately in need of. All she would say is that they have been sending mail since XXXX of 2020 when I have only live at my address since XXXX of 2020. XXXX XXXX was very rude and even after explaining my situation and that this would cause my family financial hardship she was very unforgiving and not willing to work with me and threatened me that I also have another debt that if I dont start paying on that they would take money for that as well. She also bashed me in my face that I have a paycheck coming in from my VA benefits and that they didnt take all my money. XXXX XXXX also proceeded to try and argue with me about the situation when I simply was counting on her to help me. 

I have been paying back all the debt I owe to banks and was more than willing to pay back this debt as well, but due to no notifications from them to me about the debt or the fact that they were going to take money from my account I had no idea that the money for the debt was due since they charged it off as bad credit-profit loss. 

I would like to know if there is anything that could be done to reverse this transaction or anything that could be done? My wife is out of work due to covid and my wife and to very young children rely on me as the supplier. My only working vehicle went down last week and I havent been able to work either since then and have had to use vacation time. we desperately counted on this money to get it back working since my motor went bad. 

Thank you.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-04-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I XXXX XXXX, The Real XXXX XXXX was entered into credit transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by some big scamming people on the dark web. I included my FTC report # XXXX. this agency has violated numerous FCRA laws, which is not fair because the FCRA says credit reporting agencies play a VITAL part in peoples lives. The are reporting a bankruptcy on my credit report which is clearly an infringement of my privacy. I DO NOT WANT that information shared and you still shared it anyway. Under 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this bankruptcy shouldn't be on my credit report, but yet you showed it to the public. My bankruptcy is not public record. in am totally annoyed with this dispute process. I want all these unauthorized unverifiable accounts removed from my credit report asap. As a consumer these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission and anybody else who I need to get involved.
Consumer complaint received 2023-01-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NE)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on these accounts because they are reported wrong. You should corroborate your information and remove the negative information on this account. Can you please let me know how you verified this information? Now if it was just a clerical error ( which does happen all the time ) then this is your chance to fix that error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (TX)

For 13 consecutive months, Franklin American Mortgage Company ( FAMC ) has mismanaged two VA refinance loans originated in late XX/XX/XXXX. Both the CFPB and Texas Attorney General 's office were helpful in resolving many of the problems due to direct intervention in XX/XX/XXXX-XX/XX/XXXX. However, FAMC continues to violate the RESPA and my rights as a borrower in regard to these two loans. 

The loans in question : - XXXX XXXX XXXX ( rental property pending sale on XX/XX/XXXX ), loan # XXXX - XXXX XXXX XXXX ( primary residence ), loan # XXXX Fraudulent Late Fees : From XX/XX/XXXX - XX/XX/XXXX, FAMC misapplied monthly payments for the XXXX XXXX property ( loan # XXXX ) that were received in a timely manner per the loan agreement. FAMC 's actions caused processing delays and false, negative reports to credit reporting agencies. Following CFBP and Texas State Attorney General office intervention, it appears that FAMC has corrected the false credit reporting, but they continue to account for late fees from this time period to the amount of {$210.00} as of the XX/XX/XXXX statement. These fees were generated due to FAMC errors, not my payment history. I have attempted to get FAMC to clear these fees with no success. This property is under contract for sale with closing date schedule for XX/XX/XXXX. It is in both our best interests for these fees to be removed before then. 

Failure to Respond : I have sent multiple requests for FAMC and they seldom receive attention. My last formal request was sent in early XX/XX/XXXX and FAMC acknowledge receipt on XX/XX/XXXX. To date, they have not responded. The request was for the company to transfer both of these loans, especially the one for my primary residence ( XXXX XXXX, loan # XXXX ) to another mortgage servicing agency due to FAMC 's reported failures on every aspect of loan management - escrow, payment processing, and harassment that all stem from FAMC 's internal failures. Due to their repeated and continuing violations of the terms of the contract and the RESPA, I have no faith that FAMC will ever comply with either. Knowing that FAMC has such a significant impact on my financial well-being and credit rating is unacceptable. The only acceptable solution is that this loan be transferred to another mortgage servicing company. 

Objective : - Remove fraudulent late fees before the loan closes on XX/XX/XXXX and ensure these fees do not get included in the sales process. 
- Refund any late fees paid to date if the above is not completed timely. 
- Receive confirmation that FAMC has transferred loan XXXX ( XXXX XXXX XXXX ) to another mortgage servicing company.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX has violated my rights, By furnishing incorrect information on my report without my consent. 
I have mailed this agency multiple times concerning this important matter. They have failed to provide verifiable proof and have exceeded 30 day limits. They have violated 15 U.S. Code 1681 B - No Written Consent from the consumer ( myself ) 15 U.S. Code 1681 C-1 - No Consent by consumer is identity theft 15 U.S. Code 1681 C-2 - Consumer Notified CRAs of the errors ( no verifiable proof was sent ) A thorough investigation never took place and I am seeking damages of {$1000.00} and DELETIONs of the information provided in my letter.