davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (VT)

I have a private student loan through WellsFargo Bank. Unfortunately, I also have a co-signer on this loan. As of late, I have been unable to pay the high fees along with high interest rates on the loan. So, instead of working with me on how to solve the issue and agreeing on a lower accepted payment every month, they have been harassing my co-signer by telephone asking for money.
Consumer complaint received 2015-06-10
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (PA)

My XXXX-year-old daughter 's debit card was used fraudulently beginning on XXXX XXXX, 2015. 
While the bank - Wells Fargo - stopped all subsequent debit card charges that day to taxis, additional subsequent fraudulent charges were permitted by Wells Fargo to a number of fast food outlets and discount grocery stores. As soon as the funds on the debit card were depleted, Wells Fargo withdrew a total of {$270.00} and XXXX {$12.00} overdraft fines from my daughter 's savings account. The fraudulent charges at locations ( XXXX and XXXX ) and businesses ( fast food chains and discount grocery stores ) were inconsistent with my daughter 's spending patterns. We live in XXXX. 

I became aware of the fraudulent charges on XXXX XXXX when I uploaded transactions on XXXX, discovered the fraudulent charges and contacted Wells Fargo to shut down the card. Wells Fargo promptly refunded the full amount of fraudulent charges and bank fees. However, my specific complaint is that the bank 's fraud detection system identified and stopped fraudulent charges on XXXX XXXX but even two days later the bank neglected to : ( 1 ) alert my daughter that her card was being used fraudulently ; ( 2 ) stop subsequent fraudulent charges ; ( 3 ) stop overdraft fines ; and ( 4 ) stop fraudulent withdrawals of funds from her savings account to cover fraudulent overdrafts. Additionally, no one at the bank was willing or able to provide contact information for the consumer protection complaint I wished to file with government regulatory agencies, which again seems highly unprofessional and inconsistent with the intent of federal consumer protection law. 

Failure to notify us and also to stop fraudulent charges after an initial instance of fraud is well below the standard of practice for credit card companies. I believe that fraud prevention systems and practices should be even more responsive for debit cards given that the funds are immediately withdrawn from accounts. I am submitting this complaint because I believe Wells Fargo has an obligation to improve its fraud detection systems and staffing so that consumers receive same-day notice of suspect debit card fraud. Additionally, I believe that all banks ( not just Wells Fargo ) should be obligated to provide ( upon request ) accurate and timely information about government agencies established for consumer protection and to receive consumer complaints.
Consumer complaint received 2016-08-24
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (NY)

My business wrote a check to our wholesaler XXXX XXXX on XXXX/XXXX/16 for {$44000.00}. The check took a while to clear, and because of the XXXX XXXX holiday we thought it just got hung up. On XXXX/XXXX/16, the check was cashed but not by the intended payee. We called XXXX and they confirmed they did n't receive check number XXXX for {$44000.00}. We immediately called XXXX to let them know of this. We were told to have XXXX fill out an affidavit claiming they did n't receive the check. The check was cashed in a Wells Fargo bank account number XXXX, XXXX Illinois box number XXXX. It 's been over one month and we still had no response from either back except it in Wells Fargo hand. We are not sure who cashed the check, if it was stolen out of the us mail, etc but it 's a large amount of money for A small business to be out. Please advise me on our next step. Thanks!
Consumer complaint received 2017-11-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (CA)

In XX/XX/XXXX I purchased a {$500.00} prepaid card at XXXX. Upon trying to use the card, it did not work. When I called the issuing company, it turns out that the card were used at stores and cities I have never been to. I filed a complaint with the company on XXXX XXXX and sent in the dispute paperwork on XXXX XXXX. Since then the company has refused to give me any update on the statuses of the card and they insist that they have up to 90 days to investigate the matter and return the funds to my card.
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, 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. (CA)

Just notified on XXXX XXXX, 2017 that the company, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ran a hard credit inquiry. 

I did not authorize it. 

I cancelled their contract over 4 years ago and have no intention of using them ever again. 

I believe they are trying to find a way to charge one of my credit accounts. 

I want that inquiry removed from my credit report immediately.
Consumer complaint received 2018-05-10
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. (IL)

Contacted XXXX XXXX XXXX Regarding a Charge off on my credit report and ask to pay the balance owed to update my report but they denied me an opportunity to pay because they charged off the account and sent me a 1099.
Consumer complaint received 2016-02-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank is reporting a foreclosure on a property that my wife and I use to own. We were never foreclosed on with Wells Fargo. This is false and incorrect reporting on our credit report. At the time the foreclosure was reported, we did not own the property
Consumer complaint received 2016-06-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (LA)

On today XXXX/XXXX/2016 I applied for credit and was denied due to " no credit file available ''. I was told by the company that I applied credit from that Equifax is reporting I have no file available. I am once again being tormented by Equifax. This is yet again another ongoing issue that has not been unresolved. Please have Equifax to make my report available to creditors who are requesting a copy of my report with my consent.
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (OK)

1. In XX/XX/XXXXmy then wife jointly financed aXX/XX/XXXX Toyota RAV 4 with TFS account number XXXX.

2. Her and I were divorced in XX/XX/XXXX. As ordered in the divorce decree she was awarded theXX/XX/XXXX RAV 4. The divorce decree states that she ( the Defendant ) shall assume, pay, defend, indemnify, and hold the Plaintiff ( me ) harmless from the following obligations : para 3. Toyota Financial Services Loan number ending in XXXX which is secured by the XX/XX/XXXXToyota RAV 4.

The additional orders section of our decree required both parties in the divorce to transfer titles for property divided by the decree to the party granted the interest. In the case of the RAV 4, my ex spouse, the defendant, failed to execute the transfer of the title and loan of the RAV 4 to her and to remove me from title and loan. This section also requires private parties to accept this decree as proof of transfer of the title and interest. In this case theXX/XX/XXXX RAV 4.

3. Sometime between XX/XX/XXXXandXX/XX/XXXX, she became delinquent on the loan and there is now a mark on my credit file that identifies me as being 30-59 days late on a payment for that loan in XX/XX/XXXX. My credit files from XXXX and XXXX  both have a red X on this loans payment history for XX/XX/XXXXand state : Worst payment status : 30-59 Days Late Times 30/60/90 days late : 1/0/0 Closed :XX/XX/XXXX 4. I am requesting that Toyota Financial Services remove the derogatory comment/mark from my credit files, and correct my file with all credit agencies based on the fact that she was in violation of a legal court order stated in the divorce decree to pay and hold me harmless from the financial obligation tied to the XX/XX/XXXX RAV 4. She failed to comply with that order resulting in me being harmed.
Consumer complaint received 2018-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I recently received a notice from Capital One that my account was closed due to inactivity. I didn't receive any prior warning that this was going to happen. I called to reopen my account since it is my oldest revolving account. I've had the card for at least 10 years. The customer service representatives was nice about it but refused to reopen the account due to company policy. I asked to speak to a manager and received the same response. The only option they could give me was to apply for a new account which would reset the age of my account and impact my credit score. This was my oldest line of credit. I've never had a late payment over the life of the account. In fact, this account is the main thing I used to build my credit. I understand that they have the right to close an account at any time but I find it hard to believe that the company would be this inflexible regarding reopening the account. Due to this inflexibility, they have damaged my credit score and lost a customer. At this point, I just want others to know that they should avoid their services as well.
Consumer complaint received 2017-11-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NC)

XXXX XXXX submitted a complete modification package to Ocwen ON XXXX-2017. Ocwen is refusing to review his file .Our office called the Ombudsman  department and they refused to look into the matter .there is no tangible reason why OCWEN is not reviewing the file .They are refusing to give a qualified homeowner the opportunity to say his home .XXXX XXXX feels as if he is being discriminated against based on his race, ethnicity, and national origin .Ocwen is sitting on a complete loan modification package. There is no reason for this type of negligence. By unreasonably and unnecessarily delaying his modification request, he continues to get farther and farther behind on his mortgage payments. Practically speaking, it can only be inferred that Ocwen is pushing him farther into delinquency and foreclosure. By Ocwen refusing to consider XXXX XXXX requests in a timely manner, they are negating any opportunity for him to save the home. They are denying him the workout request based on inaccurate information and refusing to take remedial steps to provide a him with a solution. The events described above are just a sample of the practices that are taking place at Ocwen. Ocwen appears to be more interested in foreclosing on his home and fire selling it at auction to make a profit. It appears that XXXX lack of participation in a meaningful modification review of his file indicates a preference to profit directly from XXXX XXXX hardships. 
XXXX XXXX is demanding the Ocwen review his file or he will file a complaint in district court.
Consumer complaint received 2017-11-13
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: Experian Information Solutions Inc. (IL)

In XXXX of XXXX, I received a call from a collection agency about an unpaid account with XXXX XXXX that was set up with my social security number. XXXX determined it was a case of fraud. I was advised to file a police report ( see attachment ). On XX/XX/XXXX I received an e-mail from XXXX stating that they notified Experian, XXXX, and XXXX. It stated that it would take 30 -90 days for the fraudulent account to be removed from my credit report. In XXXX of XXXX, I was completing a yearly free credit check and noticed that the unpaid account is still showing up on all three credit reporting agencies. I called XXXX and a similar email was sent on XX/XX/XXXX. Both emails are attached.
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a bankruptcy listed in my credit files that Transunion is reporting which is inaccurate and incomplete. The XXXX XXXX requires that the credit agencies provide mechanisms to ensure each item on my credit report belongs to me and is accurate and complete. I have requested from Transunion validation that is competent evidence bearing my signature, name, address and telephone of each person they have contacted to validate this bankruptcy and they have failed me. I have several letters from the XXXX XXXX XXXXXXXX and XXXX stating that they DONOT report to the consumer reporting agencies and letters from XXXX which states that they DONOT have any records of a bankruptcy on file for me. Yet Transunion keeps telling me they have verified it with XXXX and I know that they are not investigating my case.
Consumer complaint received 2017-11-13
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. (TX)

I have submitted several written requests to TransUnion Credit Reporting agency to verify and validate incorrect information in my credit report. I have also asked them to supply the signed documents as proof that the creditor has the right to report this fraudulent information on my report. They have consistently ignored my request for proof and stated that the items were " verified ''. How were they verified when there was no proof sent? By which measure was this account verified if there are no signed documents to show? This Credit Reporting Agency is willfully ignoring the FCRA and my request for proof of valid verification on accounts on my credit report. They have also insulted me as calling my requests frivolous, and denying my repeated request for verification. I am disgusted with there business practice and willful disobedience of Federal Law.
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

I tried contacting XXXX on XX/XX/XXXX via correspondence USPS tracking number XXXX. The late payment dates for XX/XX/XXXXto XX/XX/XXXX ; XX/XX/XXXX to XX/XX/XXXX is incorrect, I was currently attending school full-time at XXXX University. Qualified for In school deferment. Loans was not placed in deferment status.
Consumer complaint received 2016-12-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (SC)

I have been working with Equifax for almost the entire year to resolve their claim to put information on my credit report that has not been verified. I have sent documentation to them to ask for verification but they have failed to answer my complaint. The issue I have is a bankruptcy that I asked to be verified, they did not respond, I have a letter from the South Carolina XXXX court which states that they do not report information to credit bureaus, when I challenged Equifax, they did not answer my specific complaint nor remove the bankruptcy and items relating to it. I have hired a lawyer to fix issues where the credit company was using my son, who has the same name, his information was showing up on my credit report. All I ask is the removal of the said bankruptcy from my file since they did not respond to my complaint within the allotted time prescribed by the law. I have supporting documents, but they are numerous, I will gladly mail them to you if you request them.
Consumer complaint received 2017-11-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (OH)

A couple years ago, I XXXX XXXX XXXX and was off work for several weeks. This took a toll on our finances. Then my husband lost his job and we were struggling to make ends meet. I applied with Ditech and have been denied help on three different occasions. I have had one lady who has been nice to me on the phone. Anyone else has been very rude and not willing to help. I have been hung up on, told they can not help me, and I was told not to pay. Around XXXX XXXX, I tried to pay the amount in full that was owed and they told me not to pay it. Never gave me a reason. They said if I were to send in a check it would be sent back to me. This summer, I contacted Neighborhood housing in our county and the lady has been nothing but kind and helpful in trying to help us keep our home. She has been going back in forth with them over the last few months and they have also turned her down two times. This last time she tried again and we were denied again. This time for having too much income and the payment is affordable. The lady from neighborhood housing called and asked if they reviewed for a partial claim, where they can put 12 payments into a 2nd mortgage payable AFTER you payoff the 1st mortgage, but that would mean you would have to come up with the difference IF they cant modify, and it is not unusual for them to do both, but didnt get a straight answer, other than that it is what it is.The time back in  XXXX we were denied because investor does not participate in the FHA Standard Modification. The last time we were denied was because we did n't make enough income. I see there is a lot of complaints against Ditech and this makes me sad and very scared. We are a family of XXXX and all we want to do is pay our mortgage and keep our home. We have lived here for 9 years and  raising our family here. We do not know what else to do. We have tried working with them and do not know where else to turn. Can you please help us keep our home? Thanks so much for taking the time to read this.
Consumer complaint received 2017-11-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (CA)

In an attempt to pay a judgment lien, I contacted XXXX XXXX and worked out a settlement amount to pay the judgment in full. In good faith, I paid the agreed amount and requested that XXXX XXXX file a Satisfaction of Judgment so that I could move forward with refinancing my home. After repeated requests, XXXX XXXX will not send the Satisfaction of Judgment or even give an estimated time frame for when they will complete the form. It has been XXXX months since XXXX XXXX cashed my check for the amount owed and verbally they have confirmed that the account has been settled in full since XXXX XXXX. It is now XXXX XXXX and after approximately XXXX different phone calls, I am desperate to get XXXX XXXX to act. I am trying to refinance my mortgage, which potentially saves me XXXX per month but I can not do so without the Satisfaction of Judgment because the title company can not insure the new loan.
Consumer complaint received 2023-07-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiry deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX - XXXX
Consumer complaint received 2017-11-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

I sent letters to Equifax, XXXX and XXXX on XX/XX/XXXX stating that a couple of accounts on my credit report need to be verified. I got an answer back for every account but the bankruptcy. When I called on XX/XX/XXXXI was told that did not get an answer back because I did not pot Wisconsin Bankruptcy. I told them I put what was on my credit reports which was XXXX XXXX XXXX XXXX Docket # XXXX. I was than told that was not acceptable.
Consumer complaint received 2017-11-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

I called the XXXX number Coinbase posted on XXXX and did everything they asked me to do and they have a criminal working for them and thus were able to steal my XXXX balance. They did not send you the emails I sent them so you could make a good decision. 

You closed my complaint and I did not want it closed until they admitted that their employee enabled my funds to be stolen. I want a full XXXX refund now.