davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-03
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

i paid a company blue chip dev. XXXX on XX/XX/2016.when i realized i had been taken i called my credit card to dispute this transaction.i was first told they could not find a billing error.it was not a billing error because i had given them my information.this was services not rendered to me. i am XXXX years old, this is more of unfair and deceptive trade practice on the elderly.the bank went along with this fraud and found in their favor.this is only a portion of what they charged me.other cards responded favorably so how can some do and some dont. i dont feel as if the bank even looked into this.the amount charged has to be illegal.seems as if the bank just sent a form letter to bad.i dont know by law how much the bank or merchant are held responsible but this is thievery.i would expect more from my financial institution.
Consumer complaint received 2016-11-02
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Prior to XXXX XXXX, 2016, I had a balance of {$11000.00} on my BOA XXXX credit card. 
On XXXX XXXX, 2016, I paid BOA {$11000.00} to clear my balance to XXXX. 
On XXXX XXXX, 2016, BOA charged me {$84.00} in interest. 
I object to this {$84.00} because my balance was XXXX out eight days prior to this charge.
Consumer complaint received 2022-11-13
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: AFNI INC. (IL)

I have no idea what it is and why its on my report. I was a minor so i have no idea why theyre saying I owe anything. I would like proof of who they are not some random bill that can be from anywhere due to fraud. I never received anything from the company or who they are.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (AZ)

A student loan was taken out via XXXX is XX/XX/2009. Payments were continually made on this account and we eventually stopped receiving any and all information on this account. A year or so later we began receiving constant and nearly threatening phone calls from a company called NAVIENT, which neither myself nor my cosigner had ever heard of. They were telling me ( including XXXX years of repayment ) that {$4.00} XXXX more than what was initally taken out in loan was due back to them. They would not give ANY information on the loan or how it got this way, just stated it had a XXXX interest rate now ( initially 5 % ). I began paying {$310.00} a month for the last XXXX years, which I can barely afford and now my account is still {$3000.00} more than initial loan amount. Whenever I call for information, they transfer to non answering line which disconnects or hang up on you right away. They offer NO repayment options. Right now it shows me estimated to pay another {$23.00} XXXX til payoff, on top of the $ XXXX that has already been paid on an original {$13.00} XXXX loan. WHAT KIND OF SCAM IS THIS COMPANY AND HOW DO I GET HELP????
Consumer complaint received 2022-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I made a quote to pay my house, to pay in full on XX/XX/XXXX, they sent me by email the house payoff valid until XX/XX/XXXX, I made a payment on XX/XX/XXXX, {$120000.00}. Only {$7100.00} left. I called the WELLS FARGO Mortgage XXXX on XX/XX/XXXX, to finish paying off the house, they did but next day Wells Fargo reversed the payment. This morning, when I accessed my account at WELLS FARGO to see if everything was ok, I saw that the payment was reversed. I called the WELLS FARGO company to find out what had happened, and they told me that I had to do the payoff quote again, I told the representative that I had already requested the payoff of the loan and I agreed with what they sent me in my email. The representative told me that I would have to make a new quote to make the payoff, I told him that I had already received it on XX/XX/XXXX, and I had the quote to pay within the period established by them, on XX/XX/XXXX, The representative kept insisting that he would have to redo it, I have the proofs of the quote that they sent me, and I was on time. WELLS FARGO is giving me a hard time to finish paying off my house, and for no reason. THE WELLS FARGO WANTS TO GAIN MORE TIME TO CHARGE ME MORE THAN I WAS PASSED IN THE XXXX ON XX/XX/XXXX, WHICH WOULD BE VALID UNTIL XX/XX/XXXX. Now he has a push game to gain time to want to charge more on top of the remaining payment, which would be {$7100.00}. It was no use talking to the mortgage representative because he told me he couldn't do anything and that it would have to be done by the big bosses to finish the house payoff. This is a joke because I already had the payoff quota, it made me very stressed, and I already have nerve problems, and this aggravated my nervous system even more. I just want to pay off the rest of my house. I think this WELL FARGO mortgage is going too far to end that story. Not only that, but I have the email proving the payoff they sent me. 
payments made and reversal, XX/XX/XXXXXXXX XXXX REVERSAL {$0.00} {$7100.00} XX/XX/XXXX PAYMENT {$7100.00} {$7100.00} XX/XX/XXXX PRINCIPAL XXXX {$120000.00} {$7100.00} Well, I made the pay-off payment in the time they sent the amount to be paid until XX/XX/XXXX, which they sent to me, if someone who works for WELLS FARGO did something wrong, it's not my fault. Just want to solve this problem yesterday. 
ATTACHED FILES THAT I RECIVED FROM WELLS FARGO MORTAGE COMPANY
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. ()

I had to file a Consumer Proposal ( XXXX XXXXXXXX XXXX  XXXX ) under the bankruptcy act here in XXXX. When I did that, I found 5 credit cards opened fraudulently in my name. 2 from XXXX Bank, 2 from Citibank, and 1 from XXXX totaling {$25000.00}. When I saw all that the Consumer Proposal was paying out ( from my credit report ), I realized that these were not mine- I never opened them, I never used them. I contact the banks immediately, asked for the application - I was ignored. I reported them to : https : //www.identitytheft.gov/ and have been following their program with the letter templates they provide- I was ignored. My Consumer Proposal paid them already. They don't care that I have paid {$25000.00} that I should not have had to. But they won't respond to me at all. I am the victim of a crime and no one seems to care. I don't know what to do. Identify Theft listed this as the next step.
Consumer complaint received 2019-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MS)

When I reached the company my payments where just. I made payments for one year. After my bank mishandled my funds, which is under investigation, me and this company lost touch. I provided information to start payments again but the company raised my payment fee and I do not make no more than I did when I started my first payment. In addition I am right back where I started from. XX/XX/XXXX- XX/XX/XXXX
Consumer complaint received 2019-12-29
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. (GA)

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.
Consumer complaint received 2016-12-19
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX XXXX, 2016 Bank of America closed out my credit card account and re-opened it within a short time frame, causing an unauthorized hard inquiry on my credit report. I do not know why my account was closed out/re-opened, but have heard that some banks have done this to force interaction with bank staff so they can promote other products. I 've notified Bank of America staff multiple times, they have stonewalled me with form letter legal disclaimers and no explanation. 

As a result of Bank of America 's actions, there is an unauthorized hard inquiry on my credit report. I did not seek credit from BofA, nor did I authorize this credit inquiry.
Consumer complaint received 2022-11-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BlockFi Inc (NH)

I have an account with Blockfi. I have money stored in a digital wallet. Per their terms and conditions, I am able to deposit and withdraw my money at any time. However, due to the recent events at XXXX, they are no longer letting account holders withdraw their money. I have tried to email, chat, and call Blockfi with no response. All that they say is that they've paused activity on their platform and clients are no longer able to withdraw money. What worries me is that an article from the XXXX XXXX XXXX came out today that they're filing for bankrupcy : https : XXXX. I just want to withdraw the money from my account. Please help!!!
Consumer complaint received 2019-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION (NJ)

I logged in my account on XX/XX/2019 and I noticed my accounts were frozen and could not use my debit cards and I didnt get my payroll direct deposit. I also have a business account with this bank and Im not sure what is going on. Customer service did not give a reason for my accounts being closed.
Consumer complaint received 2016-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (VA)

I am writing to dispute the disposition of the date closed on XXXX accounts on my Experian Credit Report. These accounts were with XXXX XXXX XXXX XXXX, and show the date " negative '' as of XXXX, but they were closed on XXXX/XXXX/13. XXXX XXXX closed and wrote off all of my counts even previous to my filing for bankruptcy and at the time of bankruptcy notified me of such, as well as notified me that my membership was terminated. It is impossible by virtue of this fact, that the accounts are shown with a " negative '' over 1.5 years later. Experian has claimed these items to be " verified '', but they are inaccurate.
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (CA)

To whom it may concern, I have tried to close my account with US Bank for a week now. The US bank customer service representative said all pending transactions needed to be cleared before I closed my account. So, the representative deleted my debit card associated with the account on Wednesday XX/XX/22. On Friday XX/XX/22 I spoke with a different representative who said I could now close my account. I sent their email address a handwritten letter and included a ticket number which is XXXX. I included all of the information that was asked of me and requested by US Bank. On Wednesday XX/XX/22, I received a notification from US Bank that my balance was negative in the account I requested to close. To my surprise the account was not closed. I called the US bank customer service line and to my surprise they are now saying I need a notarized letter. I did not receive any communications from US bank between XX/XX/22 and XX/XX/22 notifying me that I needed a notarized letter. US bank did not communicate this requirement to me on XX/XX/22 over the phone. I feel as though US bank is not allowing me to close my account. Additionally they charged me a {$4.00} analysis account fee on XX/XX/22 which I did not consent to nor was I notified that I would have to pay this fee to close my account.
Consumer complaint received 2019-12-29
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. (IL)

I lived with XXXX XXXX back in XX/XX/2016. He got a credit card and put my name on his account which he got a card for me under his account. He said he would take care of all payments the address on the account is his. XXXX lives at XXXX XXXX XXXX XXXX Illinois. I Moved out gave him his card with my name on it. He apparently didnt pay the bill like he said he was going to. Now its showing up on my credit report. I have no idea what the account number is or was and have none of the bills because they were in his name and went to his address. I dont feel I am responsible for his actions. Please remove the delinquent account from my credit report it is XXXX dollars I believe. And is to XXXX XXXX credit card company. Thank you XXXX XXXX
Consumer complaint received 2022-11-16
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: Exeter Finance, LLC. (FL)

It may be a companies policy to report late payments to your consumer report. However according to 15 US code 1681 a paragraph 2 title exclusions sub chapter A 9 Transactions are not included in the consumer report.

A late payment is a form of transitional history, therefore it is a form of transaction.

So by reporting this to my consumer reports violates this law. So you are in violation of the Fair Quarter Reporting Act..

Please update late payments to paid or further actions will accrue
Consumer complaint received 2022-08-04
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. (CT)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the XXXX end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-15
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. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update or correct of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (SC)

XX/XX/XXXX : today, despite several efforts including a telephone call to customer service, EQUIFAX would not give me access to my credit file ; I tried using the XXXX XXXX XXXX website and then using my 'personal account ' with EQUIFAX . Both times, EQUIFAX would not permit me access to my credit file. I also called EQUIFAX customer service, and after scrolling through minutes of pre-recorded messages, I finally was able to request a personal conversation with a representative, but that conversation never materialized, because the EQUIFAX system immediately scrolled to a 'survey ' and then hung up on me. Equifax needs to be put out of its misery before it gives millions of consumers costly legal and personal problems. Seriously, EQUIFAX can't keep personal information secure and then they cause problems and delays for consumers who want to see their credit files. This is unacceptable and if EQUIFAX can't do better, then they should be shut down before any more harm takes place. 

I also note that the so-called 'security questions ' ; asked by EQUIFAX ( online today )  were bizarre. I answered those questions accurately, but EQUIFAX indicated it could not 'identify ' me. This is pure XXXX, and no way to reach EQUIFAX to correct this situation. I now have two ( 2 ) different passwords for EQUIFAX, and apparently, what was acceptable last year ( XX/XX/XXXX ) is not working this year.

By the way, XXXX had no problem providing me access today through the XXXX
XXXX XXXX  website, and their security questions were actually related to my information, unlike EQUIFAX. Kindly assist me, and let others know about this situation.
Consumer complaint received 2017-01-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RAYMOND JAMES BANK (NY)

We have become the victim of banking bonanza.Since 2008 we have tried many times to modify our mortgage to no avail and it is in foreclosure status, it is in court and we are helpless as both the debt collector and court is not doing anything to resolve the issue as we are eager to reside and keep our property.Time is going on and our debts increase as the collector does not accept payments.
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (OH)

on XX/XX/22 I deposited a personal check from another checking account into wells fargo. It went through no problem and cleared. On XX/XX/22 I tried to deposit another check and keeps giving me an error message. When I called the first two times the reps kept hanging up on me. The third time i called and got transfered to escallation team. She advise me that she doesnt know why it took one check but not this one since its drawn on same account. She said to go into branch but I live 4hours away from a branch. My account is overdrawn and have no way of deposting any money since they wont take my checks. 

I believe they did this on purpose so they could charge me overdraft fees. This is the second time since opening my account that this has happen. The only time I have gotten any resolution was filing a complaint.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

XX/XX/2022 We found XXXX change to your Equifax credit report XXXX Credit score XXXX points since XX/XX/2022 Account Removed XXXX XXXX XXXX account removed from your file Between XX/XX/2022 and XX/XX/2022, your account account with XXXX XXXX XXXX was removed from your credit report. 
Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors. 


There absolutely NO reason this should have been removed from my account! I was told that this was a mistake on the behalf of Equifax. This has basically thrown my life off track because I lost XXXX points that I worked very hard for and no one understands me telling them that this is an error. Someone anyone please help me out immediately.
Consumer complaint received 2022-11-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (CA)

Notification of Sale of Motor Vehicle was signed for {$43000.00} by Buyer ( me ) and Seller ( XXXX XXXX XXXX XXXX ) with Wells Fargo listed as lienholder. 

Loan paperwork later received from Wells Fargo showing " additional products '' from XXXX XXXX totaling {$7600.00} These additional products were not disclosed in the Notification of Sale of Motor Vehicle, or any other paperwork signed at the time of purchase. Nor were they disclosed or discussed in any other manner at the time.
Consumer complaint received 2019-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2023-03-08
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: EQUIFAX, INC. (AL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.