davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (MN)

First, this is my son 's student loan. The balance is under $ XXXX. I 'm XXXX. I have never missed a payment on anything in my life. My credit score was above XXXX before I started dealing with Wells Fargo. 
1. I had no idea these loans were behind. They do not send notices to co-borrowers until it is too late. They do not allow co-borrowers online access to monitor the loans. It 's 2016. 
2. After seeing my credit score charge, I called them on XXXX XXXX to find out why. I said I wanted to make a payment immediately for all balances and 45 days ahead. They took the information and sent me a written confirmation in the mail that it would be processed the next day. The payment did not go through ( their fault ). But the kicker is : THEY MADE NO EFFORT TO TELL ME. I coincidentally called them today ( XXXX XXXX ) to get a copy of the loan and they said it was still in arrears! What?! The payment did not work and they were NEVER going to inform me of that. ( For the record, I record all my phone calls and I went back and listened. The information I gave them was 100 % correct. They just did not transmit it correctly. ) They were not going to tell me they it di not work and were just going to let the penalties and fees keep piling up. 
3. When I complained about this, they sent me to another office. That person advised me they record phone calls. That 's good. I informed him ( which I am not legally obligated to do in Minnesota ) that I also record phone calls. When I told him that, he said he could not continue the phone call. They can record the phone call, but they don'tt want you recording it. What is that?! Is that even legal? 
4. Wells Fargo ( WF ) will not give me online access so I can monitor these loans although I have asked for it repeatedly. They say they are working on it. It 's 2016. They say I have to go through my son 's account. I do n't want access to his accounts. If I am equally responsible for these loans, then I should have my own direct access. They do not mail notices until well after there is a problem. 
Here is what I believe : Wells Fargo has a scam going where what they really want is to collect late fees and penalties. They do n't want co-borrowers to monitor the accounts. BTW, their late fees and penalties are exorbitant - nearly as much as the payments. This amounts are well beyond their actual damages! This is completely unjustified. Is there no federal limit on these? 
The federal government needs to require them to give ALL borrowers equal and direct access to the status of loans. They should not be permitted to collect late fees or penalties or file adverse credit actions until that is in place. It 's 2016. They say they are working on it, but in the mean time, they are happy to collect millions of dollars in fees and penalties. I doubt they are working very hard on it.
Consumer complaint received 2015-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I applied for a loan and was told that my name came up on the XXXX as a person on the XXXX list. I contacted all XXXX credit reporting agencies and have been told numerous things but mainly that XXXX does not show up on my credit report with their agencies. XXXX, Transunion, and XXXX. I have no idea how to get this cleared up and I am in need of assistance.
Consumer complaint received 2016-12-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

I financed a vehicle through Ally Financial in 2016. I made my first payment on XX/XX/2016 which was not due until XX/XX/2016. In addition to the scheduled payment I made an additional payment to be applied to principal. However, the additional payments keep getting applied to the future monthly payment instead of the principal balance. I 've called Ally and spoken to customer service and a manager. Each time I get assured that the account will be updated and that future excess payments will be applied to principal. However, this is not occurring, I have to keep calling each month to make sure that they apply the excess payment to principal. My account transaction history is a mess because of so many reversals and postings. The account running balance is not displayed in the transaction history. I believe that Ally 's practices are illegal because by applying the excess payments to the future payment instead of the principal they get away with collecting a higher amount of interest based on a higher balance.
Consumer complaint received 2016-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX is reporting a mortgage that does not belong to me or my husband the account number that shows is XXXX the account shows foreclosure started, I need this remove from our credit. 

XXXX XXXX XXXX XXXX is reporting that they were included in my Chapter XXXX Bankruptcy account number XXXX, XXXX was not included in my mortgage and I need it removed from my credit this wrong reporting cost me my loan.
Consumer complaint received 2016-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OR)

On my credit report it is stated that this account with XXXX ( line XXXX ) is " ACCT IN DISPUTE. '' This is not accurate. The account is not in dispute and has been settled and closed. 

Experian needs to report this account as settled, closed and remove the comment about it being in dispute.
Consumer complaint received 2016-06-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

After canceling XXXX XXXX they billed me for contract extension -- - {$160.00}. and, on numerous occasions I said I would pay as soon as their equipment was removed form my roof. Once they said it would be done when a technician was in the area. Once I was able to finally get the equipment removed I promptly paid the {$160.00}. Meanwhile, XXXX XXXX sent their bill to XXXX. I wrote XXXX explaining matters and cautioned them to do nothing to cause a negative effect on my credit record. Despite this, XXXX ruined our score, and has not taken necessary steps to return it to the XXXX.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

The XXXX XXXX account being reported on my credit report has been settled and there is a XXXX balance. My experian report is not reflecting as such. I am in the process of buying a house and this discrepancy came up. I demand full deletion immediately.
Consumer complaint received 2017-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NC)

This account was opened XX/XX/XXXX. I have n't had them in well over 7 years. I keep disputing it Experian is indicating I can not reinvestigate. This account keeps getting re-aged. Report shows opened in XX/XX/XXXX with history for only XX/XX/XXXX and XX/XX/XXXX as failed to pay.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent investigation letters to each of the XXXX credit reporting bureaus on XX/XX/XXXX, to investigate the XXXX XXXX account XXXX on my credit report. Each of the credit bureaus conducted an investigation and concluded that the account was verified and updated. Yet, at the end of the investigation, the payment history across the XXXX bureaus is not 100 % accurate. 

For instance, after their investigation, XXXX reports that the XXXX XXXX account ending in XXXX was 150 days late on XX/XX/XXXX, then there is no data until XX/XX/XXXX illustrating the account as a charge off. XXXX and TransUnion, on the other hand, both report that I am 120 days late on XX/XX/XXXX. For XXXX, there is NO DATA until XX/XX/XXXX when the account is reported as a charge off through XX/XX/XXXX. TransUnion is reporting a charge from XX/XX/XXXX to XX/XX/XXXX. 

Based on 15 USC 1681i ( a ) ( 5 ) ( A ), if an item is found to be inaccurate, the credit reporting agency should delete the account from the file of the consumer.
Consumer complaint received 2017-02-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY (OK)

Let me start by stating my wife and I have been exceptional Wells Fargo customers for XXXX years and have had this credit card right at XXXX years. Following my recent complaint I filed on XX/XX/2017 case number XXXX, which a response is now several days past due, I chose not to close this account due to the negative impact it could have on my credit score. In the past 30 days, I have paid {$10000.00} to Wells Fargo to pay the previous balance in-full. Today, my wife called Wells Fargo to pay the current balance in-full and was told by a representative that there are notes on our account that I gave the representative on XX/XX/2017 the wrong account number and that is was my fault. She was then advised that our account was flagged that they could not accept payments by phone from us any longer. She demanded to speak with a manager, because of how ludicrous this seemed and was told the same thing. The manager told my wife that they have notes that prove I left off a number when paying by phone on XX/XX/2017 and that we would have to mail our payment to them. My wife expressed her absolute dissatisfaction and displeasure with this obvious discrimination towards us. She said she does not have time to mail the payment and if they looked at our history, we have never mailed in a payment and have always either paid by phone or online. My wife told the manager that we might just payoff the balance and close the account, based on the terrible experience we have had lately with Wells Fargo. My wife told the manager she was speaking with that we have a linked account on file we use for payments and advised it was an error on Wells Fargo, which caused the payment to return due to no account found, not NSF. She could never get a legitimate or justified reason we were no longer allowed to pay by phone. This is complete discrimination and retaliatory, because of the first CFPB complaint filed. This is also considered a fair banking violation, because we are being treated differently than other customers. Is it a normal practice to not allow customers the option to pay by phone if a previous payment returned " no account found? '' Is it a normal practice to not allow a customer to pay by phone, following a CFPB complaint being filed about the lack of service received and a UDAAP violation? Wells Fargo is really doing a great job of ensuring we will never be customers again. It 's sad that even with the recent bad publicity Wells Fargo has received, that they are still lacking at providing excellent customer service, especially to long-standing customers.
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXXXXXX XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Credit Card XXXX. 
XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financin Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2015-03-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

This credit account is inaccurate because the late payments reported are incorrect. The late payments correspond to errors committed by XXXX XXXX XXXX XXXX. XXXX XXXX unilaterally and incorrectly directed the monthly payments to payment of insurance, this error was subsequently corrected ( prove of the inaccuracy ) ; nevertheless the late payments continue to appear on my report. I am requesting that the account is removed due to this inaccuracy.
Consumer complaint received 2016-02-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NJ)

I originally disputed a bill with XXXX XXXX. I refused to pay it. They would not settle same with me and they sent it over to another division called XXXX, which, appears to be their in-house collection agency. The last payment to XXXX was XXXX XXXX. The credit report says the debt is owed to XXXX and the debt commenced in XXXX XXXX ( probably the date XXXX received it ). As a result, a six or seven year old debt has been updated to one that is one or two years old. The statute of limitations in New Jersey is 6 years. The debt is not collectable. But, my credit is being damaged. I tried to resolve it with Experian about a year ago. I believe, however, I did not mention the discrepancy on the dates. I challenged the legitimacy of the charge. Experian answered, in due time, and ruled in favor of XXXX. When I noticed recently that the dates were wrong, I filed a complaint again with Experian. They cited rule 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, saying that they do n't have to deal with a second challenge. I sent it all back to them again today by certified mail, giving them the same information and telling them that they were still liable because they were promulgating incorrect information about me
Consumer complaint received 2015-06-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MA)

I am submitting more evidence in my credit dispute regarding an item on my credit report # XXXX. 

I do not dispute that my payment to XXXX XXXX was 30+ days late. I 'm disputing the reason WHY the payment was late. I have already spoken with them and they removed the late fee once they heard WHY the payment was late. 

As you may be aware, the XXXX was hit by devastating XXXX this winter. In XXXX, the XXXX. During this time, I had all my bills forwarded and was able to keep up with all my credit obligations ; however, I apparently misplaced the single XXXX XXXX bill and so it was late. Once I learned of the delinquency, I paid it immediately. They were cooperative with me, and removed the late fee. 

I have a pristine credit record, which I have worked very hard to achieve. This late fee on my credit report has dropped my credit rating from XXXX to XXXX. As I am nearing retirement, this may have devastating impact on my ability to purchase a retirement home, move, etc. 
I know that credit reporting bureaus have the ability to remove information should they so choose. I urge you to take my prior and pristine credit into consideration, consider that the store in question had no problem recognizing that the 30 + day delinquency was due solely to extenuating circumstances, and the impact the drop in FICO score has on my credit report and my reputation. I am also sending this along to the Consumer Financial Protection Bureau, as I know they are interested in issues of this type.
Consumer complaint received 2016-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

I am a single mom. The birth father of my XXXX son XXXX is deceased. I contacted Experion after they failed to remove my Chapter XXXX Bankruptcy as required by law, according to what was reported to me by both XXXX and XXXX. Both XXXX and XXXX removed the Chapter XXXX in XXXX XXXX. Both XXXX and XXXX explained to me that they had no choice but to remove the Chapter XXXX, that it was required of them by law. 
Experion has informed me that they want to hang onto the Chapter XXXX until XXXX XXXX. 
This causes confusion and financial hardship. The bankruptcy was the idea of my then husband, XXXX XXXX, who is not my XXXX son 's birth father and who became tired of being the step-father of an XXXX young man and rebelled by committing what seemed like financial suicide. He got his car free because I paid for it and he stood to get a free house because his parents were near death and he would get their house, so he did not care anymore about our finances. I actually ended up paying many of the debts because I did not agree that we should file Chapter XXXX but I could not talk him out of it. I paid in full for both my XXXX and his XXXX. I got power attorney and paid the home loan that was in his name and assumed it and it is now in my name, XXXX XXXX number XXXX. I have never been late on any of my debts since my divorce from XXXX XXXX. Having this Chapter XXXX stay a year longer on Experion on serves to make it harder for me to get a loan to pay for my XXXX son 's XXXX. ( My XXXX son suffered XXXX caused by XXXX he was given for XXXX when we had to go to court to fight to keep our home and car and were allowed to, but XXXX was very difficult for XXXX to endure ). XXXX may have to suffer from XXXX a year longer because Experion is hanging onto the Chapter XXXX a year longer than the other credit bureaus. I hope that Experion will use the same guidelines that XXXX and XXXX are using regarding this Chapter XXXX.
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

I am applying for a home loan, and one of my positive accounts is missing from my Experian credit report, which is adversely effecting my credit scores. I am an authorized user on my wife 's XXXX XXXX revolving credit account, and this information shows on both my XXXX and XXXX XXXX reports, but the tradeline is not showing on my Experian credit report. I contacted XXXX, the issuer of the XXXX XXXX account, and they stated they ARE reporting it to Experian and that there is nothing further they can do since they are actively reporting the information, and that it is on Experian 's end.
Consumer complaint received 2021-10-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

I had sold a phone to someone online and i had reset the phone but they soemhow restored my info i initiallty took off. They logged into my cashapp account and transferred {$160.00} to a random person whom i do not know, named XXXX XXXX. i called the company, chatted with them, numerous times and my ultimate final decision was that they couldnt do anything and all i could do is request a refund from that person that took the money. i did that even tho it was stupid and pointless and low and behold i never got my money back.
Consumer complaint received 2015-11-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: DISCOVER BANK (MA)

This is my XXXX time contacting the CFPB with a complaint concerning Discover Student Loans. I am a week or so away from having my loan charged-off. 

Me and a co-worker/counselor have called in every month to do our due dilligence on what programs may be available through Discover to fit my budget an afford payments. Discover has offered payments of X, Y, & Z to which none are affordable. 

I received this e-mail today from the Director of Operations at Discover Student Loans ; '' Dear XXXX, If you are having difficulty making your monthly payments, we have options to help you temporarily manage your student loan. Please call us at XXXX. We have a repayment option you may be able to take advantage of over the phone. 
& XXXX XXXX to XXXX EST, Monday through Friday ; or XXXX to XXXX EST, Saturday XXXX to XXXX EST, SundayThis option will only be available to you for a short time, so please contact us as soon as possible. 
Sincerely, XXXX XXXXDirector of OperationsDiscover Student LoansPhone : XXXXXXXXThis is an attempt to collect a debt and any information obtained may be used for that purpose. " We had called in three days prior to listen to options, which ended up being the same, and when receiving this e-mail, thinking something new might be out there. 

So, naturally, we called in to check on what options thinking that my loans may have reached a status where something new could be arranged, and when we call in, we are offered the same plans that have been affordable the previous four months. 

Discover sent an e-mail with false hope that I 'd be able to re-pay my debts and arrange something to prevent further trouble, but come to find out, we wasted our time listening to the same garbage we 've been fed.
Consumer complaint received 2016-08-04
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (NV)

I have set up for automatic payments with discover card. They have only withdrawn the amount due on the XXXX instead of the XXXX. ( I have called them many times to correct this and finally today they have properly correct it ). As a result since at least 2009, I have been charged numerous late fees as well as penalty APRS of up to 27 % as a result. Ive asked them to correct the penalty aprs as well as late fees incorrectly charged and they said its too long ago and they can not correct it!!