davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-28
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: Early Warning Services, LLC (TX)

Early Warning Services was  disputed on  XXXX / XXXX / XXXX  with  XXXX   XXXX   XXXX .   XXXX   XXXX   has been disputed on  XXXX / XXXX / XXXX .     My daughter had a student account attached to my accounts with  XXXX . She submitted a fraudulent check through the ATM. This is the only way a student account can do banking is through the ATM. When  XXXX  found the check to be fraudulent  XXXX  shut down all of our accounts INCLUDING my Husbands that had nothing to do with my daughter 's account. Attempted to resolve with  XXXX  and no luck. Attempted to resolve wit h Early Warning Services ,   XXXX   XXXX  , and no luck.      XXXX / XXXX / XXXX  Today I have found that I can not open any accounts and have found myself without banking for businesses.  XXXX   XXXX  and  XXXX . I am not able to write checks to employees or conduct business.     I am desperate to talk with someone to help the situation as we will be going to collect federal assistance if I can not cash the checks.     Please help.
Consumer complaint received 2024-09-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WI)

My original loan amount in XXXX was XXXX My balance today is XXXX. 11.96 % interest. I have been paying on this loan for 15 years! Ive been paying {$200.00} per month. I have paid over XXXX total! My estimated pay off is XXXX. This loan servicer is stealing money. None of my loan details make any sense. My loan should be paid off by now.. I have paid every single month. I havent missed a single payment. And I have paid more than double my original loan amount!!!!
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NJ)

Dear United States XXXX XXXX XXXX and the Government of XXXX, I am XXXX! 
Wells Fargo Bank has been taking some of my Social Security money on which my beloved and loving wife, best friend, and soulmate XXXX and our beloved and loving miniature XXXX XXXX XXXX XXXX so vitally depend and is planning to take more of my Social Security money when the Social Security Administration on or before Wednesday, XXXX XXXX, deposits it in my Wells Fargo Bank account numbers XXXX! 

This is the very same bank, Wells Fargo Bank, that is, which at first refuse to pay XXXX XXXX XXXX {$260000.00}! Wells Fargo Bank was the ONLY financial institution to refuse to make payment in a settlement totaling tens of millions of dollars! Observers were " stunned ''! 

XXXX, " Wells Fargo Bank to Pay XXXX XXXX  '', XXXX XXXX See XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX, XXXX XXXX Despite my huge number of emails, letters, and telephone calls and those of my beloved and loving wife XXXX, Wells Fargo Bank still refuses to return the aforementioned Social Security moneys to more or to tell me it shall not be taking anymore of my Social Security money because of its improper and illegal and unethical and immoral policy of MAXIMIZING OVERDRAFT FEES for which it had to pay a huge sum of money to the Consumer Financial Protection Bureau as PENALTY! 

That is to say, Wells Fargo Bank IS UP TO ITS OLD STRICKS! 

This bank that at first refused to make payment to XXXX  XXXX XXXX XXXX! Nor is this by any means the only gross offense of Wells Fargo Bank and so over a relatively brief seven ( 7 ) years it has been as PENALTIES been required to pay FEDERAL regulators the humongous sum of {>= $1,000,000}! 

What kind of financial institution is this Wells Fargo Bank? More like an insane asylum, with all due respect, the respect it did not show those XXXX XXXX XXXX XXXX and me XXXX XXXXXXXX!
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

There are multiple accounts that are listed with XXXX and XXXX as 'Bad Debt & Placed for Collection & Skip / Settlement /Late Closed/Paid Charge off ' When when the account was paid / legally paid. The balances are reporting correctly with XXXX but not with the other two Credit Files. The Service Lender : NAVIENT / Department of Education has been a problem to work with to get this resolved. I have since been working with my credit reporting agencies to try and get these accounts resolved. I have faxed over the supplemental information to my credit reporting agencies today but they have been unhelpful.
Consumer complaint received 2017-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I 've disputed this matter about inaccurate information on my credit report. I never had a contract with  XXXX   XXXX . Transunion removed this collection agency off my report {$4300.00} it was placed back on  XXXX / XXXX / 17 . I called Transunion about this, it went from open to closed collection. When added back it cause my score to drop  XXXX  points. I asked how this was verified they could n't give me a explanation.  XXXX   XXXX  ca n't give them prove because they never provided validation to me. Please check into this matter because it this information is incorrect. Its reporting on all my reports. Closed on Transunion and open on  XXXX ,  XXXX .
Consumer complaint received 2017-04-28
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: JPMORGAN CHASE & CO. (CA)

On   XXXX   XXXX   XXXX     I received a credit card offer from  Chase Freedom  through  XXXX , and on   XXXX   XXXX     XXXX   XXXX   XXXX    through  XXXX  because my score was  XXXX .   The advertising states they would do a soft pull on your report and it WOULD NOT affect your score. They do n't explain that they later do a hard inquiry to the Consumer. I spoke with Chase and   XXXX   XXXX   XXXX   and they both told me they would not change it to a, Soft pull. However  XXXX  advised me that they could change it where it would not affect my score. By them doing a Hard inquiry my score dropped to  XXXX  by  XXXX  points, I am very angry, Had it been properly explained to me that an initial Hard inquiry would follow I would not have applied. This hard inquiry will remain on my report for 25 months, which is utterly ridiculous. This is completely deceptive practice and  XXXX .
Consumer complaint received 2017-04-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I previously requested a modification on my home loan with  Wells Fargo. While the modification was pending..payments  were made, but not applied to my loan. I was advised that the loan must first be in default before the loan can be reviewed for the modification. This resulted in my loan showing more delinquent than the loan actually was on my credit. The lender then appraised the home for more than the value of the home and did not provide a copy of the value obtained when requested. The principal balance was then increased excluding the payments made and not applied at the time of the modification.  Wells Fargo  excluded the payments and based the monthly payment on now a more significant appraised value and raised the monthly payment by several   XXXX   XXXX  . I was forced to accept the terms in order to save my home and was now severely delinquent. At the time of the modification the principal balance was increased to more than the value of the home at that time and the previous payments made were now misapplied. I followed up with the mortgage company in regards to the misapplied payments made during my modification review and they in turn researched it and after several phone calls and months, reversed them but indicated the payments could not be applied to the mortgage payments, but had to be put on the principal balance, in putting the payments on the principal balance, no restructure took place to lower the principal to reflect the funds applied. So.. to me if felt as if there was no resolution. I fell behind on m y HOA f ees trying to regroup from the now increased payments that caused an additional hardship.     To make matter worse, I am in a community property state and from what I am being told, the modification was recorded incorrectly.
Consumer complaint received 2017-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I pulled my TransUnion And  XXXX  credit report in  XXXX   XXXX  and noticed   XXXX   XXXX   and  XXXX   XXXX  showing as credit cards belonging to me and that had charged off. I submitted investigations 3 times with TransUnion stating this is not my account and with  XXXX  3 times stating the same, not my account. I have faxed and mailed copies of my id and ss card each time. Each time it comes back verified. I called Applied credit card company and was told 4 times with the latest being today that they could not find an account with my name on it or the account number. I spoke with  XXXX  she states not sure how to stop it from reporting as they have no knowledge of it. She said they didnt have a fraud department she could only take my number and have someone call me back. I spoke to  XXXX  at TransUnion today she states she cant remove it because Applied is confirming it. She states no proof received only " confirmed ''. I want his removed from my credit as it DOES NOT BELONG TO ME. She states nothing she can do.       XXXX   XXXX  - I have called several times and I cant reach anyone as my ssn or the account number on the credit report " doesnt match their files '' so the automated system hangs up due to no match found. I have disputed 3 times with  XXXX  as well that this is not my account. This last dispute on  XXXX   XXXX , it states " updated from my dispute '' but nothing changed! I 've faxed letters asking to provide proof it belongs to me or delete and nothing happens. Just " verified ''. They ( TransUnion or   XXXX    ) will not provide proof and I have did all I can do.     I also advised  XXXX  the following Inquiries are fraudulent /not authorized by me :   XXXX    XXXX / XXXX / XXXX   XXXX  -  XXXX / XXXX / XXXX    XXXX   XXXX  -  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX -  XXXX / XXXX / XXXX  &  XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX  I advised TransUnion the following iquiries are fraudulent/not authorized by me :   XXXX   XXXX   XXXX     XXXX  via  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX  &  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  I need this to be corrected and removed from my credit reports.
Consumer complaint received 2018-01-07
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. (AZ)

I am a victim of identity theft. My XXXX XXXX XXXX XXXX credit account # : XXXX is lost/stolen and has over {$22000.00} in fraudulent charges/transactions that arent my charges. My XXXX XXXX/XXXX XXXX XXXX XXXX XXXX credit card account has {$500.00} in fraudulent charges/transactions. The {$500.00} is fraudulent charges/transactions and arent my charges.
Consumer complaint received 2017-04-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OH)

My wife,  XXXX   XXXX  and I were married on  XXXX / XXXX / XXXX . On  XXXX / XXXX / XXXX  we became legally separated. During the period of our marriage we obtained a joint loan wit h One Main Financial.  ( At the time they were known as  XXXX   XXXX   ) On   XXXX / XXXX / XXXX  a  Consent Judgement Entry  was filed dividing assets and debts between each of us. The agreement was for our assets to be divided equally and any joint accounts to be mitigated to the other account holder as sole ownership. All was completed except for  XXXX   XXXX  's role on this account wi th One Main. Once I attempt ed to pay the account off, her signature was found to be required, because  XXXX  never signed the account over to me in sole ownership. A motion to show cause was filed, and  XXXX  was found in contempt of court, and is now the sole owner of the  One Main Account. One Main  continues to contact me, and threaten me by phone, mail and email to secure my belongings, garnish my wages, and imprison me. They are also reporting negatively on my credit report. Since I owe no balance, this must be removed immediately. I recently was denied a loan through  XXXX   XXXX  as a result of this negative information and high balance being listed on my report, and  my APR went from  10.9 % to 18 %. This is due solely to this mistake. Since this is happening, I am seeking a settlement for damages fro m One Main Fi nancial which they can bill to  XXXX   XXXX  's attorney  XXXX   XXXX , who has agreed to pay this law-suit of {$25000.00} in full to avoid being dis-barred for credit fraud, and imprisonment for violating my rights under the fair debt collection practices act, and fair debt reporting act.
Consumer complaint received 2017-04-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

I opened my account under the promotional terms that I would receive a {$350.00} bonus for opening  a webster premier che cking account and doin g ONE of the following : 1.    Direct Deposit 2. 10 debit transactions 3. 5 bill pays I had 2 bil l pays on  XXXX  and  3 b ill pays on  XXXX  I also had a direct deposit on  XXXX .      Webster bank says I do n't qualify because 2 of th e bill pays are after  XXXX
Consumer complaint received 2017-04-28
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 — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (GA)

This is a direct reflection of me which was not done by me. I was not made aware of the fraud until my current bank advised me my account was closed again without warning due to reporting of fraud by  XXXX  &  XXXX . This is preventing me from communicating with other financial institutions.I 've advised   XXXX   XXXX   XXXX   XXXX  this was done by an ex who had access to all of my information/devices. He also was aware of personal information & passwords. I also filed police reports after the   XXXX   XXXX   XXXX   XXXX  account closing on him that were not directly related to this issue but the nature is the same. He has a history of doing this to women & I have proof dated prior to me being made aware of the fraud reporting. I told the representative I spoke with I am not interested of filing a new police report months after the fact but I do have reports which show him doing these same thing with my account at another financial institution. I told them I would rather proceed with the information I have since I am no longer involved with this person and filing another report would cause another arrest warrant. Personally I 've been through enough financially, mentally & physically and would like to have this resolved asap.   The investigation was opened  XXXX  with   XXXX   XXXX   XXXX   XXXX  and still has yet to be assigned t o an investigator. My account was not closed with a negative balance and it has been verified that none of the signatures on the mobile deposit checks match eatchother or my signature. I do n't understand what the hold up is. First I was told 14-21 days now I 'm being told 60 days and was hung up on today after requesting to speak with a manager. Whoev er noted my account from the check fraud department dated today  XXXX  was very rude & gave me general information without taking the time to even look into my file. If she had she would not have mentioned the need to review bank surveillance since they were mobile deposits.
Consumer complaint received 2017-04-28
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 — Investigation took more than 30 days
Company: Early Warning Services, LLC (GA)

This is a direct reflection of me which was not done by me. I was not made aware of the fraud until my current bank advised me my account was closed again without warning due to reporting of fraud by   XXXX    & EWS . This is preventing me from communicating with other financial institutions.I 've advised   XXXX   XXXX    XXXX  this was done by an ex who had access to all of my information/devices. He also was aware of personal information & passwords. I also filed police reports after the   XXXX   XXXX   XXXX   XXXX  account closing on him that were not directly related to this issue but the nature is the same. He has a history of doing this to women & I have proof dated prior to me being made aware of the fraud reporting. I told the representative I spoke with I am not interested of filing a new police report months after the fact but I do have reports which show him doing these same thing with my account at another financial institution. I told them I would rather proceed with the information I have since I am no longer involved with this person and filing another report would cause another arrest warrant. Personally I 've been through enough financially, mentally & physically and would like to have this resolved asap.   The investigation was opened  XXXX  with   XXXX   XXXX   XXXX   XXXX  and still has yet to be assigned to an investigator. My account was not closed with a negative balance and it has been verified that none of the signatures on the mobile deposit checks match eatchother or my signature. I do n't understand what the hold up is. First I was told  XXXX  days now I 'm being told 60 days and was hung up on today after requesting to speak with a manager. Whoever noted my account from the check fraud department dated today  XXXX  was very rude & gave me general information without taking the time to even look into my file. If she had she would not have mentioned the need to review bank surveillance since they were mobile deposits.
Consumer complaint received 2017-04-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Messerli & Kramer P.A. (MN)

Messerli & Kra  mer A ttorney at Law  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MN  XXXX  The company dropped of a summons with all my personal information exposed in an attempt to collect a debt.
Consumer complaint received 2017-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I recently completed a year of service with  XXXX  and thus was awarded the {$5700.00 } Education Awar d. I used this money to pay toward s my Federal Student Loans through Navient. I s ubmitted the payment request, as instructed by  XXXX , through the " My  XXXX  '' portal. I made the following payment requests between  XXXX   XXXX   XXXX   XXXX ,   XXXX   : {$950.00} to be paid towards loan number  XXXX  {$2200.00} to be paid towards loan number  XXXX  {$190.00} to be paid towards loan number  XXXX  {$2300.00} to be paid towards loan number  XXXX  I made the payments in the way so that loans  XXXX  and  XXXX  would be paid in full. Both of these loans had interest rates of 6.55 % while the other  4 loan s throug h Navient had interest rates between 3.15 % -4.41 %.   By paying loan  XXXX  and  XXXX  I would have lowered my monthly payment and lowered the amount of interest accrued on my loans. This would have allowed me to pay less interested and pay off my loans in a shorter time frame.     Howev er, Navient did not follow my instructions and rather evenly split the {$5700.00} between the 6 loans. This means that none of the loans were fully paid off and I am therefore still accruing interest across all 6. I submitted a complaint with Navient o n  XXXX   XXXX ,   XXXX   and again on  XXXX   XXXX ,   XXXX  . Between this time I have also tried to call customer service multiple times. I have never received a response and when I have tried to call I was transferred to multiple customer service representatives and ultimately placed on hold for hours without ever receiving any actual assistance or information.
Consumer complaint received 2018-05-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (TX)

XX/XX/XXXX COMPLAINT : To whom it may concern ; I had used a XOOM Money transfer to wire money through phone apps program that I have. I have an online account with XOOM, which is owned by XXXX. I initiated a XXXX U.S Dollars money wire transaction from my Checking Account ATM card of XXXX XXXX XXXX  through XOOM. This transaction was done using XOOM Money service to transfer money to country of XXXX to ( XXXX Account and IBAN number : ) to my sibling XXXX XXXX. 
XOOM Transaction confirmation is XXXX. 

It has been 4 calendar days since I did this transaction with XOOM.com a money transfer XOOM representatives have given me two false phone instant messages claiming to have send the money and completed the transaction indicated it was deposited into the XXXX Account reference above. 

Upon having my sister XXXX XXXX whom supposed to receive this wired money I asked her to check her Bank account online. This account summary which is enclosed as evidence does not show any deposit of that date or amount at all. Zero transactions on XX/XX/XXXX. In the amount of XXXX US Dollars. This is clear evidence that XOOM is defrauding customer of XXXX  through their unreliable and dishonest money transfer service which has failed to complete transaction and has cause an alarm by sending a fake message to my phone showing the transaction was completed. 

I am sending you all the transaction screen shots and XOOM direct emails and messages as an evidence of their evasive customer service and defrauding corporation base in XXXX XXXX XXXX. 

XXXX XXXX XXXX, XXXX
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

There is incorrect names, address, and social security numbers on my credit report.     Incorrect Names :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    Incorrect Addresses :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   NJ  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   NJ  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   NJ  XXXX  Incorrect Social Security Numbers :  XXXX   XXXX   XXXX