davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-17
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK (CA)

On XXXX/XXXX/2016, due to a XXXX banking error, my account was temporarily frozen, causing two ACH payments to Discover to be returned. I contacted Discover before my payments were returned and resubmitted those payments via ACH ; also letting Discover know about the incident. Discover recognized the error was through no fault of my own and issued credits for the returned payment fees. However, since that incident, my account has been blocked from further making ACH payments. We are now going on 2-months without resolution. I 've talked to literally dozens of managers and supervisors within numerous departments, including Customer Service & Web Support ; and although EVERYONE recognizes that this incident is not my fault, nobody has the ability to successfully restore my ACH payment ability. I 've even sent in, via email and US Mail, an Apology Letter from XXXX, acknowledging their error. Because those at Discover can not figure out the appropriate process to restore my ACH payment ability, they continue pushing me off instead of taking the necessary time to find the appropriate channel, department or person with the authority and/or ability to correct this problem. At this point, Discover has ceased responding to my inquiries and complaints via all channels.
Consumer complaint received 2016-02-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (PA)

I have been contacted on my personal cell phone and home phone at the most inappropriate times from the company ERC regarding a XXXX telephone debt that is not mine. 

They list account # XXXX with a debt of {$280.00} ... 

I have contacted XXXX and they have confirmed that this is not my debt. 

I have also contacted ERC to advise them and they stated that I would not be receiving more calls however they continued to call and send letters to my home. 

The info for ERC is as follows : Telephone XXXX Address : ERC XXXX XXXX XXXX, XXXX. XXXX and ERC XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX I am asking that this company be investigated for fraud and that they cease contacting me. 

Thank you for your help. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX H- XXXX
Consumer complaint received 2015-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Filed for Bankruptcy in XX/XX/XXXX because of a divorce, received moneyfrom the divorce in XX/XX/XXXX, I paid all bills I had filed on and withdrewthe Bankruptcy. Had not been a month till I withdrew the BK. Today is XXXX XXXX,XXXXand I still have not been able to get this taken off my credit report. It is showing aBankruptcy dismissal. I did not go through with this yet it is still on my report. I have been denied a Home Loan, a small personal loan, a credit card, an apartment, and even have to pay higher prices for utilities to be turned on. I am a XXXX senior citizen living on a fixed income. I feel I have been treated unfairly because of this BK.I would like for this to be taken off, since I did not go through with this. It is effecting my credit score XXXX pts. 
I try very hard to keep my credit score up.
Consumer complaint received 2017-02-20
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (DC)

US Bank has charged unauthorized charges back to an account they closed. 
They are not legitimate and continue piling on unathorized charges to a closed account to fraudulently increased the amount owed on this account. 
All i want is a truthful balance so it can be paid off and I can be rid of this terrible Bank but they keep cheating denying due process on disputes that were open before the closure. 
This arbitrary process of charging a closed account and accunumlating fraudulent interest on top of it must stop now.
Consumer complaint received 2017-01-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I was turned down to co-sign on an auto loan for my son because of false and inaccurate information that TransUnion put on my credit report. The turn down letter indicated that I was turned down for limited credit experience. TransUnion said time since last account opened is too short, length of time accounts have been established, and I had too many inquires. I have attached the turn down letter as well as my TransUnion credit report from XX/XX/XXXX. As you can see from the credit report I have a credit history that goes back to XX/XX/XXXX, it details XXXX accounts that consist of mortgages, car loans, and revolving credit accounts. NOT ONE PAYMENT on that report has even been LATE!! I have XXXX account opened in XX/XX/XXXX, XXXX were opened between XX/XX/XXXX - XX/XX/XXXX, and XXXX are from XX/XX/XXXX to present. Regarding inquiries - I had XXXX in XX/XX/XXXX and XXXX back in XX/XX/XXXX that related to the purchase of my most recent home. So, does their statement to XXXX saying that the length of time that my accounts have been established affects my credit score of XXXX, and my XXXX inquires in the last two years are too many?!?!?!?!? When I spoke to two people at TransUnion, they saw nothing wrong with any of their statements. I asked them if I should have been turned down for limited credit experience because of the obvious false and inaccurate statement that they made on my credit report and both of them kept saying well ma'am you do n't understand, it was based on the model that they chose. Regarding the length of time my accounts have been established is too short - my credit report goes back 22 years, how much more time do I need to not be considered TOO SHORT!!!!!!!!!!!! 
I can only imagine how many other people have this happen to them. This is totally unfair and inaccurate reporting according to the Fair Credit Reporting Act. This whole way of reporting looks like it need to be totally reworked so that the statements that the credit reporting agencies make on their reports to potential creditors is true and accurate based on the information contained in the report, no some computer " model '' that some XXXX wrote. Just a little personal information about myself, I am XXXX years old, have been on my job for 33 years, and actually opened my first credit account back in XX/XX/XXXX.
Consumer complaint received 2017-07-31
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: Harley Davidson Financial Services Inc (TX)

I have discovered that XXXX XXXX XXXX XXXX has inserted items on my credit reports that were the result of fraud. I have repeatedly spoken to Harley Davidson Reps concerning this and I am told that it is being looked into. However, My credit reports have suffered greatly as a result. I have asked them to remove these items that were on my credit with all three credit agencies and they have not. I have submitted copies of my theft report to the XXXX XXXX XXXX XXXX and also to the credit agencies to no avail. I DO NOT own a Harley Davidson and I never have. This is the result of someone opening accounts in my name.
I furthermore received notice that A motorcycle was being held at the local dealership for me to pick up, but I do not have a harley. I have spoken to Harley Davidson and they refuse to pick the motorcycle up and this further damages my credit because this is not mine and they have not removed it.
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (DE)

XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Fl XXXX XXXX Account paid in full and was deleted and then reinserted.
Consumer complaint received 2017-07-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

I 've requested, on numerous occasions now, a copy of my original master promissory note, and every time I have received something different. One of the " different '' documents I recently received was a copy my application for loan consolidation. I believe the date on the document ( X/X/07 ) was forged because the date next to my and my father 's signatures was when I was temporarily living ( 2 months ) in a different state to help a friend with his landscaping company and the place that we stayed had a p.o. box address that I had never given to anyone. I lived there from XX/XX/XXXX to XX/XX/XXXX. The date is also written in handwriting that is neither of ours.
Consumer complaint received 2016-04-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (NJ)

Equifax failed to Block fraudulent information on my consumer credit report that is being reported as a result of identity theft. Per XXXX XXXX XXXX ( a ) I have mailed Equifax a dispute on XXXX XXXX, 2016 about fraudulent accounts being reported on my consumer report attached with my dispute i attached my police report and FTC fraud affidavit and Equifax did not comply with XXXX ( a ) despite telephone calls and electronic communications about the fraudulent accounts being reported.
Consumer complaint received 2017-04-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (AZ)

On   XXXX   XXXX   XXXX   I called  US Bank  regarding a letter they sent me that my mortgage was going to mature in  XXXX   XXXX  and that I had to pay in full the remaining balance or refinance. I called to discuss my options on refinancing the home. After a discussion on loan balance on my primary and secondary and home value, it was told to me that I did not qualify to refinance. I then asked what my options were if the loan matured and what would happen. The representative said she could not help as she only handled refinances and would need to transfer me to Customer Service. I spoke to the Customer Service representative and she then said she could not handle and would need to transfer me to a loa n specialist. After reviewing my situation with the specialist she could not help me and said that my only option was to speak to the loan modification specialist. I then spoke to the loan modification specialist and she explained that i  would need t o apply for the loan modification and depending on my case it may or may not be approved. She advised me to wait until my loan matures which is 1 year away. I told her I did not  want to wait as I wanted to work with the bank to get this resolved now and discuss my options. I could not qualify for the refinance because my house would not appraise at the value to meet a 90 % loan to value threshold. She indicated that the loan modification application would be mailed to me. She said it would take  XXXX  days to bet processed but did warn me that if I accepted the modification that it would impact m y credit score.      What surprises me is that I have been a customer for 20 years wit h US Bank and h ave been in good standings throughout that timeframe. I am calling to try to work with the bank to arrange a solution and they have nothing to offer. She indicated that when it matures I would go in to collections for the full amount which in turn would impact my credit. I asked that she check with a superior as I clearly did not fall in to the normal criteria for modifications and not sure I need a modification but it appears no one I spoke to had any solutions or support.      US Bank has a long standing customer with excellent credit ( 800+ score ) and they have no other solution than to tell me to wait and/or apply for a modification ( which most likely I would not qualify for ). In the meantime I will submit for the modification to see what the formal outcome is but it seems inappropriate that a good customer would have to negatively impact their credit score. I am proactively trying to resolve my situation and it appears that the bank is giving me no options. The customer service I received is terrible but It appears that if I had been in a defaulting status and not fulfilling my responsibilities that I might have some options. Its unfortunate, that I could not get someone to work with me to a positive result for both of us.
Consumer complaint received 2017-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (VA)

Our credit card was taken while we were on vacation in  XXXX  and ran for a fraudulent amount. The receipt that was turned in to  XXXX  was an obvious forgery. We have provided  XXXX  with documentation showing that it is not our signature. Immediately after noticing the amount on our statement on the evening it was stolen we cancelled our card for fraud.  XXXX  refuses to help us locate the merchant, a bill of sale, an address, or even a phone number for the person who stole from us, they will not tell us what was allegedly purchased at a gas station for exactly  XXXX  pesos. The receipt provided to them by the thief has " duplicado '' ( duplicate ) written on it which shows it is not an original receipt and is indeed a reprint that they forged during the dispute process. We were charged  XXXX   pesos ( {$640.00} ) a nd we 100 % did not authorize this sale, nor do we know what we supposedly purchased. We believe this occurred at a gas station in  XXXX  where the attendant took our card, ran it for the fraudulent amount, and then told us the machine was broken. He then forged my name when  XXXX  called asking for the receipt.  XXXX  has stopped returning our calls and answering our letters, they refuse to open the case again even after sending multiple certified letters and notarized faxes. We feel like we have been robbed twice, once by the attendant in  XXXX  and once again by  XXXX . Please help.     References ( a common scam in  XXXX   )  : http :  XXXX  https :  XXXX
Consumer complaint received 2017-04-24
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. (FL)

Perhaps this is just an oversight or result of high volume of disputes you receive daily. I highly doubt an agency that is responsible of maintaining accurate information would neglect to follow the laws that govern them on purpose. I am sure you will want to tend to my request as soon as possible.       Incorrect Name :   XXXX   XXXX   This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA.       XXXX   XXXX   XXXX   This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA.       XXXX   XXXX   XXXX   This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA.       XXXX   XXXX   This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA.       XXXX   XXXX   XXXX   XXXX   FL   XXXX   This address is incorrect and is not an accurate address for me. Delete this name for violating the FCRA.       XXXX   XXXX   XXXX   XXXX   FL  XXXX  This address is incorrect and is not an accurate address for me. Delete this name for violating the FCRA.      XXXX   XXXX   XXXX   XXXX  FL  XXXX  This address is incorrect and is not an accurate address for me. Delete this name for violating the FCRA.       Incorrect Social Security Number :   XXXX   This SSN is incorrect and is not an accurate SSN for me. Delete thi s SSN  and any accounts associated with it for violating the FCRA.      XXXX  This SSN is incorrect and is not an accurate SSN for me. Delete this  SSN an d any accounts associated with it for violating the FCRA.      XXXX  This SSN is incorrect and is not an accurate SSN for me. Delete this  SSN a nd any accounts associated with it for violating the FCRA.
Consumer complaint received 2017-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (LA)

On   XXXX   XXXX    I recei ved an email from Chase Bank to confirm a request to update my Social Security number. I had not made any such request. On the fourteenth I visited my branch office on  XXXX   XXXX  in  XXXX   XXXX , LA. The manger there told me that the new  SSN i n their records was  XXXX . On the same day,  XXXX , the Social Security office here told me that the name with that number was not another fellow with my name, so I thought that this was n't a simple clerical error. Back at the bank branch, the  manager p ut my account right, with my SS number and new phone number. And to follow up, I forwarded the email to the abuse address  at Chase.      I want to know how the change effected my account. Who gained access to the account via the change? Why would  Chase up date the Social Security number of an account holder, given that Social Security numbers do n't change in a life-time? When and where did the request to change arrive a t Chase? Was there an email address associated with the request? Why would Chase change the  number and then confirm the request? Why not confirm the request before changing my Social Security number?     I have replies from  XXXX  XXXX  XXXX , but they seem robotic. I do n't have any expectation of personal attention to this. So, get other parties involved, such as the Consumer Financial Protection Bureau.     Thank you for any help that you offer to get answers from the bank.
Consumer complaint received 2016-11-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

In 2012, I filed for bankruptcy. Do to a hardship, I applied for a loan modification on my home with Wells Fargo Bank. After months of repeated document exchanges and getting them notorized, I was given a 3 month trial payment plan. During initial application of loan, I submitted a letter with information from the XXXX Bankruptcy court stating that the courts were not interested in home loans between the lender and borrower. Only if payments were increased. The modification was approved and after making the first modified monthly payment, the modification was withdrawn because of no court approval. 
The attorney on my case verified the courts position.
Consumer complaint received 2016-01-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

In receipt of the latest correspondence from Wells Fargo Home Mortgage, dated XX/XX/XXXX, which lists the current balance and total payments. The lists of current payments include, {$820.00} / Unpaid payment XXXX and Total payment of {$3300.00}. On XX/XX/XXXX, I visited the Wells Fargo Branch located in XXXX XXXX XXXX XXXX, where I spoke directly with personal banker XXXX XXXX deposited {$1600.00}, with a unapplied amount of {$19.00} to be added totaling {$1600.00}. Additionally XXXX XXXX contacted Wells Fargo Home Mortgage representatives, while I witnessed the conversation, which resulted in the representative understanding how much was to be deposited and how it was to be deposited. Also while I sat with XXXX XXXX, I left a voicemail with my new point of contact XXXX XXXX ( XXXX ) XXXX, along with my repeated concerns of how my mortgage payments were applied and also the three ( 3 ) escrow analysis performed on my mortgage account without my consent and or authorization. XXXX XXXX assured me that he would make every effort to address my concerns, handing me his personal card, information, etc. Today 's letter however does not reflect the deposits I made on XX/XX/XXXX, thus reinforcing the fact that monies sit in the banking institutions while gaining interest. The fact that Wells Fargo Home Mortgage has state of the art communications at their disposal, it baffles me that money sits after deposits are made, while Wells Fargo insists this is not the case. It is my hope the constant letter sent to credit bureaus/agencies and a definitive answer can somehow have clarification in writing. The constant robo letters sent by Wells Fargo Home Mortgage, never answers any questions. Only satisfying inquiries sent into the CFPB and their guidelines for response. I request undated accounts and accountability of those involved in the constant delay tactics and non-answers from Wells Fargo Home Mortgage.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I cant believe what I saw this morning when I checked my credit reportthere are inaccurate accounts showing up, and I dont understand how or why theyre there. I always check my report, and this is the first time I've encountered something like this. Even after refreshing my browser multiple times, the issue didnt go away. I feel blindsided and frustrated, and Im asking for a detailed review of the documents I've sent so I can have peace of mind.
Consumer complaint received 2023-04-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (NJ)

I am currently a victim of a tornado. A tree fell on my house. My insurance company issued a check to me and my mortgage company. My mortgage company has only given me {$25000.00} first installment to complete the roofing part. For the past eight months they have asked me to submit several types of paperwork to get the second round of checks for {$26000.00}. To fix to fix bathroom. I have given them itemized bills from my contractor. My contractor and I have been keeping in touch with Mid mortgage about starting the second phase of my house. Its now going on five months and they are still refusing to issue me the second part of the check. As a result black mold has grown. Other problems are existing because they are not keeping up with the end of the contract now they are talking about for closure and keeping my money. The insurance money thats left over. The initial check was for XXXX. Plus extra if I ran into it. I did run into extra but my insurance company said that I took too long and that money expired. So now Im only working with XXXX instead of XXXX. I was just Thought they were not going to fix the new problems because they arent on the original list. What can I do and who can I talk to so I dont lose my house and I can get my home repaired