davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XXXX/XXXX/2015 I submitted a Case through the CFPB Portal to Transunion ( Case number : XXXX ) In order to correct information regarding a student loan that I had fully paid off after not being able to get a resolution via the regular channels. On XXXX/XXXX/2015 Transunion responded to the CFPB appropriately and let me know that they had updated the information in reference to the Attorney Paid In Full letter that I attached in the previous complaint. On XXXX/XXXX/2015 this information reflected on my credit report, and all was good. My Fico Transunion Credit Score Went Up XXXX Points to XXXX, and I felt that this nightmare was finally over. However two weeks later on XXXX/XXXX/2015 I received an alert from MyFico that my score had dropped XXXX points From XXXX to XXXX. I thought that this might have been caused by a reversal of the update that transunion made on XXXX/XXXX/2015, so I obtained a new copy of my credit report, however everything appears to be correct. The only thing that could be different are the remarks/closed status. On the report Transunion lists the account in question as " Closed-Derogatory '' when it should be listed as " Closed-Paid In Full '' as the account is no longer derogatory. In addition they list the payment status as " Collection/Charge Off '' when it should be listed as " Paid '' As this is what is directly reported by the Creditor. I have attached a written letter from the Director Of Student Loans for XXXX XXXX XXXX which states a description of the loan ( XXXX ) and that the loan is is " Paid In Full '' and not " Closed-Deragatory '' as has been reported by by Transunion ( XXXX ). If Transunion Wishes to verify this information, they can contact XXXX XXXX directly at XXXX.
Consumer complaint received 2015-07-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

WELLS FARGO MAINTAINED A FORECLOSURE SALE DATE ON MY PROPERTY THROUGHOUT THE MODIFICATION TRIAL PAYMENT PERIOD. SET FOR XX/XX/XXXX THE SALE DATE STILL ON. XXXX PAYMENTS MADE ON SCHEDULE. 
ALSO FLOOD INS. TAKEN OFF BUT STILL REQUIRED TO MAKE PAYMENTS WITH FLOOD INCLUDED IN THE ESCROW DOLLARS. LOAN WAS NEVER A DEFAULT WELLS SENT XX/XX/XXXX PAYMENT BACK SAYING THEY WANTED ESCROW MONEY INCLUDED ON MY NON-ESCROW LOAN WHICH I PD EXTRA FOR THE NON-ESCROW TERMS. FARGO DID SO WHEN THEY WERE NOT EVEN THE ASSIGNED THE SERVICING RIGHTS UNTILL XXXX PLUS XXXX DIFFERENT SPOC IN PAST 8 MONTHS.
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XXXX/XXXX/2015 and unauthorized person used my information to obtain a credit report on XXXX XXXX. Upon verification of my credit history from this site XXXX credit cards were either attempted or opened XXXX days later at XXXX, XXXX XXXX, XXXX XXXX and XXXX. XXXX XXXX did not validate the request by me and now my identity has been compromised. XXXX XXXX has no published phone number for support and does n't have a clear policy in regard to identify theft yet provides, based on website description, fee access to credit history. A police report and a case has been opened with the FTC.
Consumer complaint received 2015-07-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (KS)

I am being charged a late fee each month on a purchase I made which was financed thru Wells Fargo, This was a 12 mo no interest agreement. I get paid once a month at the beginning of the month so make payment at that time so it 's not late. All of my payments are made online which states payments take effect the same day if submitted by XXXX Pacific Time. I made a payment of {$140.00} on XXXX/XXXX/15 which was the end of the billing cycle, but the payment did n't show up until the billing cycle beginning XXXX/XXXX/15 and then charged me a late fee. Each month I 've been charged a late fee and a {$1.00} interest charge. 
They said I pay too early and they ca n't do anything about the late fees, but would refund 2 months which they only refunded 1 month and then charged me again. I have attached copies of the receipts and statements where the problem first began.
Consumer complaint received 2015-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX is not reporting the right information to the XXXX credit bureaus for my account. 
1 ) I had a charge off years ago, XXXX 2011. 
2 ) XXXX and I came up with a payment arrangemet at {$50.00} per month. 
3 ) I have made consistently paid monthly payments for over 4 years. 
4 ) I have requested a number of times for this to be taken off my report. 
5 ) What 's not being reported is the timely monthly payment agreement I made with XXXX during the past 4 years, this is not FCRA-Fair Credit Reporting ... this is false and not 100 % true reporting. Can some one at the CFPB please help me resolve this matter? 

XXXX XXXX XXXX XXXX XXXX. 
XXXX Ct. XXXX ( XXXX ) XXXX
Consumer complaint received 2015-06-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (NJ)

My wife purchased a car from a XXXX dealership in XXXX XXXX, New Jersey. This purchase was financed at the time of the purchase through Ford Motor Credit. The purchase consisted of a down payment with the balance to be paid in monthly installments over a XXXX year term. On the same day financing was set up - we enrolled in automatic ( recurring ) payments from our deposit account. Nevertheless, each month my wife would log on to Ford Motor Credit 's web portal to make each installment payment and effectively overrode the auto-pay function. In the first part of this year we failed to manually make the payment as we were out of the Country ( XXXX ) and we were for the XXXX time relying on the auto-pay to make all of all periodic payments ( including this auto installment loan ). When my wife logged on the following month to make a manually payment, she was informed that the payment was not processed. She immediately made that payment ( inclusive of a late fee ) and the following XXXX, in addition to orally confirming with Ford Motor Credit 's customer service that the auto-pay was active for future months. In inquiring about the matter, I was informed by that our auto-pay request was not transferred from dealership to Ford Motor Credit when we initially financed the vehicle, but is now confirmed to be active on this account. There is now an inaccurate derogatory mark on my wife 's credit history because of their error which is negatively affecting our ability to purchase a new home. 

We reached out to Ford Motor Credit regarding this error in which they responded with a form ( XXXX ) letter that failed to address the claim. To wit they responded : " [ t ] o prevent derogatory information from being reported to the credit bureaus, the full payment must be received, or an extension requested and processed before the payment is XXXX days past due. As the reported information accurately reflects our experience with your account, we will not request the Credit Reporting Agencies to remove it from your credit file. '' The account was not XXXX days past due, rather any failure to process the full installment payment was a result of their own failure to execute the previously authorized automatic electronic funds transfer from our deposit account.
Consumer complaint received 2015-07-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (MA)

Back in 2013, we were billed by XXXX for usage that we were n't responsible for. Due to us switching carriers, there were some discrepancies with billing where there was an overlap of carrier usage, thus causing XXXX to perceive that we still owed them usage charges. After receiving numerous billing statements from XXXX ( even after trying to resolve this issue over the phone, another company ( hired by XXXX ) contacted us for payment. A letter was sent to clarify the situation and further communication resumed between us and XXXX, and the charges were adjusted and the balance paid. We are now getting phone calls ( multiple daily phone calls ) from a supposed debt collection agency to pay money owed to XXXX. After telling us the amount owed, they ask for information needed to pay this debt. I did not provide that information and told them I would contact them as soon as had information confirming that I no longer owed anything to XXXX.
Consumer complaint received 2015-07-03
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Cascade Capital, LLC (ID)

Police officer knocked on my door and served me papers from Cascade Capital LLC, XXXX. Then proceeded to tell me to hand over my wallet and that all of my money ( {$2.00} which is SSI exempt ) I did as instructed and felt so violated of my privacy. Office gave me a reciept for XXXX dollars even though I told him this money was all I had to live on and that it was exempt money. I am a widowed woman, I live alone and really felt so upset, crying and felt like my rights to privacy was taken away from me. How can a company do this it is so unethical and morally wrong to rob me of my privacy. Thank you.
Consumer complaint received 2015-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX failed to electronically verify required insurance through XXXX XXXX XXXX. XXXX XXXX force placed insurance raising the monthly payment. Since payments are made in-person in XXXX XXXX retail branches account holders were never made aware. We were never asked to update contact information. Payments made for expected amount failed to meet new amount after insurance was placed so payments were considered late even though $ XXXX was applied to principal on time each month. When trying to clear up or rectify the situation with account manager at XXXX ( XXXX ext. XXXX ) he wxplained to me that the error would take 3-5 business days to clear itself in the system. The system may or may not report the accurate information and if not it was my responsibitlity to file a dispute with the credit agencies. I 'm not sure why it would me my responsibility when this clearly was a XXXX XXXX error all along. They also told me the automobile was not insured when in fact it was causing me to pay premium through another insurer costing me more money then they had attempted to charge for late fee 's and force placed insurance ... Had to contact XXXX XXXX plus times to resolve. Asked for information to be faxed and never recieved or illegible. Asked for pay of as of XXXX/XXXX/15 and they were unable to give me an exact amount. I would like to be done with this company. Very poorly handled sitution on their part due to their error.
Consumer complaint received 2024-10-03
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. (PA)

Unauthorized inquiries suddenly appeared on my credit report today, and I have no idea why. Ive checked my report as I normally do, but these discrepancies just showed up out of nowhere. Refreshing my browser didnt fix the issue, and I am incredibly frustrated. I need the documents Ive submitted to be thoroughly checked immediately so I never have to deal with this again.
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

Equifax has allowed XXXX XXXX to continue to report on my credit report even after I have disputed this account. Neither Equifax nor XXXX have provided me adequate information to validate or verify this account. Therefore I want it deleted from my report immediately.
Consumer complaint received 2015-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CO)

Equifax is reporting my SSN incorrectly. When called to get it corrected, they advised that I may fax a copy of my SSN to them to get it corrected. I would prefer to use a method of communication that is A. Available to everyone in the XXXX century, and B Secure. I can not email it via a secure link to anyone, upload it securely or otherwise. All other credit bureaus and the SSN office has it correct, this is an Equifax issue. Equifax is unwilling to assist in getting it resolved.
Consumer complaint received 2016-02-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

My home is in foreclosure. Im trying to do a short sale and Wells Fargo is a second lien holder of which the debt was discharged in XX/XX/XXXX, I received a XXXX C - Cancellation of Debt and filed it with my taxes. They still have the lien on the property and have marked it as of XXXX XXXX. XXXX in a permanent uncollectable status. I now have a Contract of Sale am trying to do a short sale and Wells Fargo is refusing to allow any payment ( which none is available anyway its a short sale ) and refusing to release the lien even though it has been charged off. They are making me loose the Buyer for my home for no reason whatsoever. This was a discharged debt by the Bankruptcy Court in XX/XX/XXXX which should have been discharged and never was and as stated above, has been marked uncollectable. They have NO REASON not to release it.
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I have contacted Equifax on numerous occasions concerning this problem and it has not been resolved. In my experience their customer service agents are not very knowledgeable in regards to rectifying problems. Equifax has removed an account that is open and in a positive status on my credit file. The account to which I am an authorized user on, is my spouse 's XXXX XXXX XXXX, account number : ****************. It showed up for two days and then disappeared. I have contacted XXXX and they have assured me that they report the account to Equifax every month. I can also confirm that the account reports to XXXX and XXXX every month. By not reporting this account my credit score is suffering and I am having a difficult time obtaining a mortgage.
Consumer complaint received 2016-01-13
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (NC)

I purchased a cashiers check to secure a rental home for my family. After the funds were sent but before the check was processed, I was unable to reach the property management company and suspected fraud. I contacted Navy Federal and was told the check had not been processed and I could stop payment on the check by filling out an affidavit of loss. I did this right away and the funds were credited right away. 7 days later I receive a call from navy federal informing me that the check was presented for payment and the funds were deducted from my account. I explained the situation again and they refused to reverse thier decision. I tried to escalate this to a supervisor and was told the person I was talking to was a high as it could go. I have been a customer of this bank for 20 yrs and have never had an issue like this before. They lied to me and have refused to make it right.
Consumer complaint received 2015-12-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My Bank has routinely charged {$35.00} for payment of checks and electronic debits when there are insufficient funds available in my account at the time the item is posted. However, they have recently ( as of XXXX 2015 ) started to reverse the payment, crediting it back to my account, without crediting the fee, and subsequently returned the item as unpaid, for which they assess an additonal {$35.00} fee. and most recently, after this back and forth with paying, then returning the item has concluded, they have presented the same item for payment four ( 4 ) times in as many days, assessing the return check fee of {$35.00} each time. this has never occured in the history of my account, and when I asked my branch why this was happening, I was informed that, although there once was a law that limited banks to three times that they may collect NSF fees per item, today there is no limit to the number of NSF fees a bank may charge per item .... Because I did n't believe this was the result of an impatient merchant, I called the merchant who the check had been made payable to, in an effort to halt the snowballing NSF charges now topping {$210.00} for a check in the amount of {$40.00}. The merchant informed me that they do not make repeated attempts to secure payment of any item following the return of an item for non payment by the financial institution is was drawn upon. My bank refuses to acknowledge this double-dipping practice and despite the clear and irrefutable documentation that validates my concern, Im spoken to as if i lack the basic understanding of how a checking account works, and if that were n't enough, Im told, that If I just maintain a sufficent balance to cover the checks i write, this would n't be a problem in the future ... I am absolutely disgusted! This account is a joint account I share with my XXXX old mother who 's finances I manage. Her household finances are now in complete disarray as a result of her checking account balances fluctuating several hundred dollars from day to day. She feels completely helpless and it has caused her severe emotional distress. I have every intention of closing this account, and opening an account with a local bank with a better record of customer service, but not before I recover the total of these erroneous fees, now totalling over {$1000.00}. This bank has engaged in deceptive and unscrupulous practices for many years and I it needs to stop!
Consumer complaint received 2016-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Have been trying to modify for the last three years. Every time I try documents go missing and things are delayed. I 've been turned down a few times but am told that I may apply again for a different program. I 've been told that my principle would be dropped and many other things that were lies. When I was finally approved the conditions were outrageous. I just want a fare modification so I can get back on track. This company has been XXXX me around for years and I am suspicious of their accounting as well as far as my account goes.
Consumer complaint received 2015-06-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NC)

We are a military family. We took all steps necessary starting in XXXX to avoid foreclosure and bankruptcy. With no other option, we filed Ch. XXXX bankruptcy in XXXX to release us from the house. The house was discharged in XXXX but we are still receiving bills and attorney letters for collections from the HOA. We are told because the deed is still in our name we are responsible for XXXX, etc. The mortgage company will not cooperate with a Deed in Lieu. The mortgage company is forcing us to comply with their short-sale terms of listing the home for 120 days before considering a Deed in Lieu. I have spent hours on the phone since XXXX XXXX talking with various representatives because they ca n't keep XXXX person assigned to my case. The mortgage company changed the locks without informing us. When we hired a real estate agent she could n't get into the home to even proceed with a short sale. We had to wait 2 weeks before the bank would put a lock box on the property so the agent could get in. I want justice for the way I have been given the run-around by the mortgage company and the countless hours I have been on the phone whether on hold, transferred, etc. There is no way I could hold a job and deal with the mortgage company as much time as I have had to spend playing their games! They should be paying me!
Consumer complaint received 2015-04-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (WA)

I have not used XXXX services for several months. I contacted XXXX via both online and by telephone and asked for cancellation of services and VISA card withdrawals. I was told the account was cancelled and there would be no further charges, but the charges go on as before. I reported my VISA card lost and got a new card, but VISA gave the new card number to XXXX and the charges continue.
Consumer complaint received 2015-06-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: JPMORGAN CHASE & CO. (SC)

In XXXX of 2015 JP Morgan Chase Bank contacted me saying the servicing of the student loan I held with them will be transferring to XXXX XXXX XXXX ( XXXX ) on XXXX XXXX XXXX. The Final payment to be sent to Chase was the XXXX bill, then starting with the XXXX bill, the payment be sent to XXXX. However, A letter dated XXXX XXXX and XXXX dated XXXX XXXX & XXXX were received from The XXXX XXXX to both myself and my cosigner of the loan stating that JP Morgan Chase Bank provided them the account information for collection activity of a payment. I contacted The XXXX XXXX via their website contact form after receiving the first letter on XXXX XXXX, 2015 stating that it was a mistake and that payments were now being sent to XXXX. I have not gotten a response from them. The XXXX letters dated XXXX XXXX & XXXX addressed to myself and my cosigner from The XXXX XXXX I received today in the mail, XXXX XXXX, 2015. There has not been an attempt from a representative of Chase to contact either myself or my cosigner regarding what the payment was before giving information to a collection agency. As the payment info pdf via XXXX attached shows, though a little late, both XXXX and XXXX 's payments have been received and credited to the account. All supporting documents will be attached. Contact info for The XXXX XXXX is also available on each of the XXXX pdf 's attached since they are not in the database here.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX  % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX % accurate.