davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have contacted this agency via mail, email, fax and the XXXX and they fail to correct their wrongs. I want to make sure i have gone through every channel in preperation for filing suit for providing false information and failing to protect my information. They list several inquiries that are not mine and i wish for them all to be removed. At this point i am not looking for nor have i been looking for any credit. All accounts on my report are reporting accurate and paid on time however the inquiries that have been made on my behalf by my ex wife is staggering. She has hacked my info on more than one occasion and re runs apps to destroy my credit rating because she was served with child support papers. TRANSUNION fails to take any action or help in any way. From what i can see all accounts look fine these bogus inquiries just need to be removed.
Consumer complaint received 2015-12-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

I deposited a check into my Wells Fargo checking account on Friday XX/XX/2015. The account had about {$350.00} and the amount I deposited in was about {$750.00}. I woke up on Wednesday morning the XX/XX/XXXX to an email notification from the bank that the deposit was put on hold. I went down to the Wells Fargo branch that I deposited the check out to clear the hold. The branch manager notified me that the hold was placed on XX/XX/XXXX and that the reason for the hold was that during the year I had a few overdraft charges. She also told me that the decision to hold the deposit was decided upon at their home office. Where ever that is. My complaint with Wells Fargo concerning this manner is XXXX fold. First off, they know its the holiday season and that people are spending money on gifts. By withholding deposits and not immediately notifying the consumer they allow the consumer to unknowingly overdraw their accounts. The decision to withhold the deposit days after the check was processed by the bank is highly suspicious. By the XXXX of the month the check should have been well cleared. Because I had overdrawn the account before I seemed like a easy victim for them to pull their scam on. When I approached the bank manager about this issue, within a minute she was able to release the hold on the deposit from her computer without any protest. If the bank had any real concerns about this as a long term issue then why would me telling them to release the hold be enough for them to release the hold. I also find the reasoning for the hold to be dubious in the extreme. To state the reason for the hold was because of overdrafts, then not allow a deposit into the account would seem counter-intuitive. Unless of course the bank wants the clients to have more overdrafts, which it does because it then slaps a {$20.00} charge on each overdraft. Wells Fargo 's actions in this situation are deplorable and should be held with utter contempt. It seems rather clear from my perspective that Wells Fargo was looking for an opportunity to slap additional charges on me by unlawfully controlling the timing in which deposits are allowed into the account.
Consumer complaint received 2015-07-16
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (TN)

I opened a credit card with Care Credit and have been having issues since I opened this acct. My payments are supposed to be fixed of {$160.00} a month and every since opening this open they have increased my payments. The doctor office has notified the companycompany about the fixed payments with them having issues also. They have horriblecustomer service and is Extremely Rude. They increased my payments withouteven contacting me and refuse to explain about the increase. Every time I callI get told different stories or hungup on. They refuse to give corp office number oror contact information. This company needs to be closed down.
Consumer complaint received 2015-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OH)

XXXX XX/XX/2015XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ( XXXX ) XXXX Hello, I applied for a car loan with XXXX, @ XXXX in XXXX, Ohio @ XXXX. I am trying to rebuild my credit, I was turned down. The XXXX places that he tried to get me a loan sent letters to my house. XXXX was from XXXX XXXX the other from XXXX XXXX XXXX XXXX. XXXX XXXX was Insufficient Credit because I do n't have any credit cards or not made any large purchases. Experian reported to XXXX XXXX that I had XXXX Garnishments, Foreclosure, repossessions, collections or judgments. Also XXXX insufficient credit experience. If I do n't have credit experience how do I get garnishments, foreclosures and repossessions??? 
I purchase and paid for XXXX home and car over XXXX years ago, XXXX XXXX XXXX ( XXXX ) last name was mispelled. I purchase and paid for XXXX Nissan Sentra through XXXX XXXX. I have never had a Forclosure or repossesion. I had XXXX garnishments XXXX medical bill and my student loan. If I had seen that report I would not give me a loan either. 
If I stand accused I want Experian to send me my XXXX garnishments, foreclosures and repossessions. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-02-14
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX group leaving messages at my home and work stating that if I did not call them back to set up time for them to serve me papers that they would pursue a legal action against me. They even threatened to visit my place of employment. This is on a credit card debt from 2008. After paying {$380.00} to XXXX XXXX I received paperwork from another debt collection agency XXXX XXXX XXXX attempting to collect on the same debt. I believe I was scammed by XXXX.
Consumer complaint received 2016-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TN)

While checking my credit report I cam across a debt from XXXX XXXX it is listed as a credit card debt. There is conflicting data regarding this account. It says in one area that it is open and in the other area it says it is closed and charged off and in collections. I have not received any notice from a collection agency regarding this debt. I would like this removed from my credit report as it is reflecting negatively on my credit score.
Consumer complaint received 2016-02-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (NC)

I requested a copy of my credit report from all XXXX agencies, as I am in the process of repairing my credit. I am having trouble with XXXX agency which is EquiFax. My first request went out to them on or around XXXX the XXXX, this was with a complete copy of my credit report as well as the items that were in dispute along with any supporting documents that pertained to each account in which I am disputing. I called Equifax on the XXXX of XXXX to see if any of my items were removed and the Agent explained to me that there were XXXX more pending my investigation that needed to be resolved by the XXXX of XXXX and I called today to receive the results and was told that it was on-going and they refused to remove the XXXX items from my account
Consumer complaint received 2016-03-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

The following company XXXX XXXX XXXX XXXX has placed their name on my Equifax credit report fraudulent. I requested validation of this debt, however the address on my credit file is bogus. The USPS returned my dispute in reference to this alleged debt, as undeliverable. Every time I dispute this account with Equifax it comes back as " verified '' I can not recall ever doing business with this company.
Consumer complaint received 2015-07-17
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: JPMORGAN CHASE & CO. (NV)

JP Morgan Chase Bank will not refresh their wire system in order for XXXX XXXX to receive wires. We have tried to contact them, but to no avail. The Routing and Transit number of the credit union is XXXX. For over a year, they XXXX XXXX XXXX XXXX has been able to receive wires directly, but Chase is the only bank not cooperating. They send them to a non-existent XXXX party financial institution. Please Help..
Consumer complaint received 2015-11-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Security National Automotive Acceptance (SC)

My husband and I only missed XXXX payment with Snaac. And we received on XXXX XXXX that was dated on XXXX XXXX saying if we do n't pay by XXXX XXXX they will take our car. We are on a fix income. We told that we only get payed once month.
Consumer complaint received 2015-05-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WA)

Ocwen approved be for a trial modification after I completed my trial period in XX/XX/XXXX. Every XXXX weeks I talked to my rep and she stated the paperwork for the permanent modification was being completed and would be shipped to me via XXXX. Each time every XXXX weeks there would be an excuse to why the paperwork was not sent out. On XXXX XXXX I was called by ocwen and told my paperwork was complete and being overnighter to me. A XXXX later I called and stated I had not gotten my paperwork. My rep told me my loan had been sold and they actually had not sent out my paperwork and it would not be complete prior to the sale. This was on XXXX XXXX XXXX full months after I completed my trial program. Now XXXX has sent me a document claiming my balance of of XXXX and XXXX in unpaid overdraft fees which is incorrect is due. Why was n't my trial modification paperwork completed back in XX/XX/XXXX per federal regulations. There also was an overage on my escrow account which has not been posted to my XXXX account ad attached.
Consumer complaint received 2015-06-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: MORTGAGE CLEARING CORPORATION (OK)

I have been trying to save my home from foreclosure since XXXX. I have a mortgage with a small local lender in my city. In XXXX, XXXX I begun experiencing hardships due to loss of employment and XXXX. I went to my mortgagor hoping to get some sort of relief, maybe a loan modification or forbearance agreement, anything! Long story short, I have completed XXXX loan mod applications, submitted all necessary documentation over and over and over again, made payments for as long as I possibly could and received NO help from my lender Mortgage Clearing. I also have a fixed rate, but every year the note on my home has gone up. My mortgage payments originally were {$700.00} plus, my mortgage payment is now XXXX plus monthly. I have never been approved for a loan mod or any other help. I have had a number of people at the loan company tell me that they will get back to me, that they lost my paperwork, that I 'm next in line for review or that they will call me back, but somehow my call is never returned. XXXX years I 've been given the runaround and Mortgage clearing serves foreclosure papers to a non-resident of my home. Again, three years I 've been making payments to the best of my ability and as soon as I fall XXXX months behind on my mortgage they foreclose on my home, no questions or help provided. I NEVER received any documents in the mail pertaining to the status of my foreclosure until recently. I received a letter advising me that summary judgement has been granted against me. I 'm baffled, I 'm in no position to move from my home, not only am I taking care of my elderly mother who resides with me, but I just knew that I was here to stay! This is my dream home. A very modest yet perfect for me home where I spend time with my children and grandchildren. I have a XXXX garden and a XXXX garden that I created for my XXXX sister. This home is more than just a house to me and my family, its what I 've striven for my entire life. It 's what I plan to leave to my children one day. I need help saving my home, I truly do n't feel that I 've been given a fair opportunity. I 'm employed and just need the opportunity get back on my feet and do right by my lender. Thank you for your time!!! I sure hope CFPB can help me save my home!!!
Consumer complaint received 2015-07-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an addresses which was also fraudulently used and that is XXXX XXXX XXXX XXXX, XXXX, nc XXXX XXXX XXXX XXXX # XXXX XXXX, nc XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX # XXXX and later discoverd numberousotheraccounts as well here they areacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX opened XX/XX/XXXXNCXXXX XXXX XXXXacct # XXXX XXXX XXXX XXXXacct # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX
Consumer complaint received 2016-01-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MN)

I graduated from XXXX XXXX XXXX in XXXX. I have accumulated so much debt. In XXXX, I consolidated all my loans with the Department of Education through XXXX XXXX XXXX. To my suprise, I have received a XXXX summons from a client that I owed private loan in the amount of approimately {$23000.00}. I was not aware of XXXX scamming me to believing that my loans were consolidative. Now I am stuck with paying loan that I had no idea signing in the name of financial aid. XXXX degree is not worth anything. I could not even get a XXXX. I can not pay XXXX different student loans at the same time.XXXX XXXX scam me and now I am stuck with unnecessary bills and being sued XXXX times by the creditors. I do not know what to do now. 
XXXX XXXX have cause me serious pain and my credit is destroy because of judgement on my credit history. 
I need them to take their worthless, senseless and scamming degree. 
I am hoping the CFPB can find a resolution to helping the thousands of people who are victim of XXXX XXXX Scams. Be careful to sign documents from XXXX XXXX. They will tell you your loans can be consolidated but that is a lie. They will steal some of the loan they make you take and you are stuck with the bad debts. XXXX XXXX is a disgrace.
Consumer complaint received 2015-12-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NC)

I have disputed XXXX with equifax three times, they have a balance on the account of {$170.00} for my old card and {$280.00} for my wifes, they were both included in our chapter XXXX in 2009. Last time i disputed it i called kay jewlers who told me they had sent in the correct information ( no balance ) and that it was equifax 's fault that they werent putting in the correct info, i called equifax and they told me that XXXX had been removed completely, they sent me a copy of my credit report to prove it and then a week later XXXX put the incorrect information back on my report! the balance is wrong and that needs to be corrected to XXXX but at this point it should also be completely removed based on the time frame of it being 7 years from date of deliquency.
Consumer complaint received 2015-12-21
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (NY)

Years ago, I got a credit card with my then fianc. In XXXX, we split up. I called Chase and asked what I had to do to be removed from the card. I was told that I had to fill out some paperwork and have the primary ( my ex ) sign that I can be removed. This was done and sent in. In XXXX, I got a job that did a credit check. They came back that I had a Chase card in collections. I never received anything from Chase via mail or by phone. So again I called Chase and asked them what I had to do. They told me to send in some more information, which I did. Again, I did not receive anything. Recently, I applied for pre-approval for a mortgage. I was told that it was on my credit report, in a charged-off status. I again called Chase. This time I got a women that kept telling me that I can not be removed and that it was against their policy to remove the secondary even if the primary gives permission. She got ever snotty with me when I told her that years ago ( XXXX ) I was told I could. She told me that they have my paperwork but it is against their policy. I asked for a manager and she told me that there was not XXXX there. I told her to make sure that the conversation in XXXX in reviewed and she said that it would not matter because it was against their policy. I want to be removed from this account like I was told I would be years ago. I never used the card. I never received anything stating that it was not getting paid. I never got a phone card or any mail.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I was told that these inquiries was not going to be hard pulls due to the fact I was apply for business funds. XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX. XXXX inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will appreciate if these inquiries was removed from my credit report quick and smoothly.
Consumer complaint received 2016-01-06
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (CA)

I received an American Express Serve Prepaid debit card. Not too long after, a fraudulent charge of XXXX was withdrawn from my account from a ATM in XXXX. However, I reside in XXXX. After speaking to various customer service representatives, supervisors, managers and so forth my dispute was not honored. They will not give me a feasible reason as to why. I asked them how could this happen when I have my card in my possession and they are well aware that I have no access to an ATM in XXXX. Moreover, all of my transactions were made in XXXX XXXX, XXXX. This transaction does not add up and they refuse to reimburse my XXXX. Furthermore, they have blocked my account in which I have my direct deposit linked to this card. I still have funds on that account that I can not use. The representatives are poorly trained and whenever I speak to them they are either fully unaware of what is happening with my account or some information is missing. Not only is this an inconvenience but it has also caused financial hardship. I am unable to pay any of my bills and the situation occurred a week before XXXX.
Consumer complaint received 2015-11-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

I applied for home refinance under XXXX guidelines at Wells Fargo who is my current lender. I asked the first customer service representative if it mattered if I receive mail at a different address other than my primary address and was told that my mailing address did n't matter. I was also told that I had until XXXX XXXX, 2015 to pay off my small XXXX mortgage. A few days later, a second customer service representative called me who now says that my mailing address does matter, and I have to submit proof of receiving mail at my primary address. The only bill I receive at my primary address is my trash collection bill, which is what I submitted. I then receive a phone call that my loan was denied because I could n't prove my primary residence and because I did n't pay off my XXXX mortgage ( even though the XXXX of XXXX had n't arrived yet ). A few days after that, I received a call from the XXXX customer service representative who now says he wants to help me get the loan and that I was only denied because I had n't paid off my XXXX mortgage. I ask him about the address problem, and he was n't aware of it. I ask him to send me an email confirming tentative approval pending XXXX mortgage payoff and he said he would. I did not receive the email nor did I receive any follow up phone call. After a couple of days, I called and asked to speak to a manager who apologized and made excuses for the misinformation but told me I was still denied. I believe I was deceived by Wells Fargo and was denied a XXXX refinance because they would have lost revenue by refinancing my higher interest rate loan to a lower interest rate loan.
Consumer complaint received 2015-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

Fell behind on debt, and XXXX issued me a XXXX and forgave the debt. Included XXXX forgiven debt as income on taxes XXXX years ago. Recently, this supposed debt to XXXX popped up on credit report. There was a past due balance on the credit report. Filed disputes with all XXXX credit reporting agencies, and after several disputes and sending all of them a copy of the XXXX showing that the debt was forgiven, both XXXX and XXXX changed my credit report to properly reflect a XXXX balance on that account ( XXXX still refuses to stop reporting a balance on the debt to all XXXX reporting agencies, even though it was forgiven ). However, Equifax has refused to make the appropriate changes even though I have submitted all the information and the copy of the XXXX Equifax told me over the phone that they basically report anything that XXXX tells them to, even if it is false information. They said they could not change the report, even when there is concrete evidence that the debt was forgiven. This is absolutely not true. I warned Equifax that if the information was no updated accordingly ( Equifax has a legal duty to report the truth after their investigation, not just anything that XXXX tells them to, regardless of veracity ), I would contact the CFPB, and they would be able to sort this mess out. I have documentation of the XXXX, a copy of the letter I wrote them, and a copy of the Equifax investigation result, which did not change anything.