davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (MO)

I am co-signed on XXXX student loans on behalf of my son. The loans were for incurred while he was attending XXXX College and XXXX College. The loans in question are owned by Wells Fargo. My wife and I have been making repayment of the loans since my son has not made any repayments and we did not want our credit damaged. We have been steadily increasing our repayment amounts in order to accelerate payoff and reduce interest. In our XXXX XXXX payment statement we noticed that the interest charge for that month was nearly half of the entire amount of interest we had paid in XXXX upon further investigation it became apparent to us that Wells Fargo had intentionally applied our entire monthly payment to only XXXX of the XXXX loans. it had been our practice to pay more than the minimum required payment for a number of years previous. Wells Fargo had been applying payment in excess of the minimum equally to each loan. Wells Fargo arbitrarily changed their practice and applied the entire payment amount submitted to only XXXX of the loans for the entire year of XXXX. We did not receive any written or verbal notification from Wells Fargo regarding a change in how they were applying our payment. This only came to our attention when we noticed the higher than normal interest charge in the XXXX XXXX statement. After multiple calls to Wells Fargo in attempts to resolve this issue I filed a complaint with the CFPB in XXXX of XXXX out of frustration with Wells Fargo 's stonewalling and bullying tactics. As a result of my complaint to the CFPB Wells Fargo agreed to only waive the interest charged due to their incorrect application of our repayments. After numerous fruitless phone conversations with Wells Fargo representatives I accepted their offer. As a result of the CFPB 's recent findings regarding Wells Fargo 's college loan illegal actions as well as Wells Fargo 's most recent illegal actions by their lending employees. I ca n't help but feel that my case should be reopened. 
Because of Wells Fargo 's mishandling of our repayments and their inflexible position regarding our student loan payments and balances. I feel that all of the findings you post on this site regarding your judgements against Wells Fargo apply in our case.
Consumer complaint received 2015-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

There is an account XXXX a collection account. I 've never had an individual XXXX account. XXXX has never validated this debt. I 've never seen the original credit application. I have a XXXX account however it 's joint with my wife and its current.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-01-11
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (NC)

I had a auto loan with Wells Fargo through my grandfather. I kept up with the payments steadily all the way up until last XXXX. I was laid off and not able to pay payments in time at the time I was almost {$5000.00} still owed and they tried to repo the vehicle. As of XXXX 2016 it 's {$2500.00} still owed and they are trying to repo my vehicle still. I have only {$2500.00} left and I will have the title. I paid over {$20000.00} it was not for nothing I hope. With out them having animosity or anything in this situation I believe they can afford to give me a chance to finish paying off less than {$3000.00} I 'm not asking for a miracle and I have paid it all off except for this small amount. If they take my vehicle I will be in more debt and with out transportation to make ends meet. What sense does that make? I have this loan since XXXX and this is the thanks for business I get? It 's not fair and something can definitely be done in this situation.
Consumer complaint received 2015-07-29
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY (SC)

I did not give permissable authorization for XXXX XXXX to request my credit report for a vehicle loan nor did I need financing from Wellsfargo Dealer Services. The action taken by this company is fraudlent and I hereby warn and give orders to remove their inquiries from my consumer credit reports. No where did I sign application or ask for a XXXX dollar from this affliation.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

After doing some research on my credit reports I notice incorrect information listed on my credit file which should not be included on my credit file. My XXXX account which comes directly from public records shows no open public accounts therefore XXXX XXXX is reporting incorrect information and this information is being used on my credit file which is totally unacceptable and illegal. 

I am requesting for all XXXX credit bureaus XXXX, XXXX and Experian to remove public information from my personal credit file effective immediately.
Consumer complaint received 2024-08-28
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. (TX)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2015-12-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has mailed a paper copy of report in response to CFPB # XXXX.In their response, regarding inaccurate/incomplete reporting of FIRST XXXX XXXX # XXXX that the date of first delinquency is " reporting '' as XX/XX/XXXX.SEE ATTACHED REPORT, THE DATE OF 1ST DELINQUENCY IS NOT REPORTING. 
also the amount of payment received on XXXX/XXXX/XXXX, the date of last payment was {$12.00}, not XXXX, as reported.THE PAYMENT TABLE does not portray the date of 1st default, or subsequent delinquencies or that the chargeoff date is 180 days from the first default. 
BY THIS INCOMPLETE /INACCURATE REPORTING BY TRANSUNION , my credit is not fairly and accurately portrayed in violation of FCRA. 
IN ADDITION, THE XXXX DOLLAR BALANCE, PAST DUE, AND HIGH BALANCE IS FRAUD BY THE CREDITOR.THAT AMOUNT IS EXCESSIVE AND ILLEGAL ACCORDING TO THE XX/XX/XXXX CREDIT CARD ACT.IT IS EXCESSIVE BY LAW RELATING TO ALLOWABLE PENALTIES AND INTEREST BY @ XXXX DOLLARS.
Consumer complaint received 2015-04-20
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (KY)

I have a credit card with Citi bank and in the last two weeks. My card has been compromised and unauthorized charges have been placed on a duplicate card out of Florida. XXXX in XXXX with my XXXX card and yesterday in XXXX, FL. My cards have the chip technology but also the mag strip. I am requesting that Citi assign me a pin. I have also asked for this capability from XXXX. I think banks should provide a pin if requested. I also think it should be illegal for banks to charge more for a signature based transaction that a pin based transaction. The security provided by the chip as it is currently being viewed is for the security of the bank. Not the security of the consumer.
Consumer complaint received 2016-04-21
Product: Credit card — 
Issue: Transaction issue — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo stated I submitted XXXX claims to XXXX XXXX XXXX XXXX XXXX. I have previously issued a complaint as I never approved a policy with XXXX XXXX XXXX. They say they have a recording of me but I would like a transcript of this recording because I have proof the recording was fraudulent due to an address change instituted by the XXXX-dispatch in XXXX County. I also would like proof of the XXXX claims they said I initiated under this policy. I will not speak on the phone with Wells Fargo. All transactions must be in writing so I can submit them to the CFPB. Charges were fraudulently made to my Wells Fargo Credit Card but that is a previous complaint. I will pursue the incorrect statements from Wells Fargo that I made claims to the XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transuion is reporting an account that was opened fraudulently, I have asked the creditor to provide my signature & a copy of the original application. the creditor is unable to produce these items. 
XXXX/CHARGEOFF Credit Cards {$820.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$820.00} Account Details Account Number XXXX Account Type Credit Card Responsibility Individual Credit Limit {$700.00} Credit Used XXXX % Highest Balance {$820.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$820.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Payment Frequency Not Reported
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2016-11-03
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This is a dispute to our CFPB complaint case # XXXX originally submitted XX/XX/XXXX. Response received on XX/XX/XXXX from Bank of America is not satisfactory as the bank is not explaining why the property did not qualify for a line of credit extinguishment under the Department of justice settlement with Bank of America of XX/XX/XXXX. All other properties owned by us qualified with no special request from us. We are not understanding why the Bank of America is collecting from us as the property in question was surrendered under chapter XXXX bankruptcy in XX/XX/XXXX. The bank advised that they will proceed to foreclose the property unless payment in the full balance due is sent to them. The attached letter further explains our dispute with Bank of America.
Consumer complaint received 2015-05-13
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc (TX)

I received a debt collection letter from Ad Astra Recovery Service in XX/XX/XXXX. I spoke to the representative of Ad Astra Recovery Services on the phone and asked them to verify the debt as required by law Texas Financial Code 392. 202 based on a letter that I received in the mail, the representative stated that they would. The representative stated that they hired an attorney and it would be best for me to pay the bill by the credit card invoice on the bottom of the letter. I told them again that they needed to verify the debt. I did n't receive any information from Ad Astra Recovery to verify the debt. In XX/XX/XXXX, I hired XXXX XXXX XXXX to investigate inaccuracies on my credit report. I forwarded all letters from Ad Astra Recovery Service to XXXX XXXX XXXX as instructed. The following information was requested from Ad Astra Recovery XXXX over the phone : name of original creditor, provide me with the original date of default, the date that the debt was transferred to them from the original creditor, the originate balance, the current balance, and surety bond information. Again, the representative for Ad Astra Recovery XXXX said ok that they would. I believe that I received a second letter from them which I also forwarded to XXXX XXXX XXXX as instructed. On XX/XX/XXXX, I asked XXXX XXXX of XXXX XXXX XXXX what if any inaccuracies were removed from my credit report. She pulled a copy of my credit report and indicated that Ad Astra Recovery Services, a collection agency was still on the report and this was associated with a payday loan from XXXX XXXX. I viewed XXXX entries for this collection agency on my in-house file. I asked what was being done and that I was filing a complaint with the Texas Attorney General 's Office under case # XXXX about this collection company. XXXX XXXX stated that they were still working on my file. So I said, ok. On XX/XX/XXXX, I received a congratulation letter stating that I completed the program which I questioned because their was no investigation of this collection company or any other creditors. On XX/XX/XXXX, I spoke to the XXXX XXXX XXXX receptionist and conveyed to her that I wanted the owner to provide documentation that they had requested on my behalf the documents required to verify the debt as stated by the Texas Finance Code Section 392.202 and the response given to them by Ad Astra Recovery Services. The receptionist stated that she was not sure if I could receive the documents from their investigation demanding that Ad Astra Recovery Services verify the debt before placing the entry on my credit report. To date, this collection company has not verify the debt according to the above law.
Consumer complaint received 2016-10-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (AZ)

For 3 years, I have been renting & living in the home I am currently trying to purchase. I have invested about $ XXXX into the house- I take care of my mother who is an XXXX. I have remodeled the house to be totally handicap accessible. 
I paid a down payment of $ XXXX directly to the seller. I have an additional $ XXXX for the down payment for the mortgage loan. My credit score is XXXX. 
On XXXX/XXXX/16 I went to the wellsfargo to get a mortgage. XXXX XXXX ( mortgage rep ) said I would be approved with no problem but had the seller and I change our purchase agreement to a higher amount of $ XXXX when the selling price was $ XXXX. He told us it was to offset the equity and to avoid PMI and a down payment. Reluctantly the seller and I did what he asked. Then had the seller do a GIFT OF EQUITY of $ XXXX. Both the seller and I were confused but did as asked. I paid for the appraisal and XXXX printed out the loan documents. 
The closing date was XXXX. On XXXX I contacted XXXX because I had n't heard from the appraiser yet. XXXX said he would find out why. He did n't. 
On XXXX I went to the bank because I did n't hear back from XXXX. XXXX said that he could n't do the gift of equity and he had us to change the contract again. XXXX was the last time I heard from XXXX. So I went to the bank over XXXX times talked to numerous managers including XXXX the main guy and no one knew why XXXX was n't contacting me nor did they have an answer why we had to change the price. No one at wells fargo could tell me the standing of the loan. 
My title company tried to contact XXXX with no response. My closing was XXXX. No one at wellsF could tell me what happened with the loan only that XXXX is unavailable. 
Now I have lost my $ XXXX down payment and my investment of $ XXXX and the house will be sold to someone else and I have to move. 
I am now 100 % sure that XXXX committed FRAUD and misrepresented himself with the purchase price/gift equity crap. I talked to a different bank and told them what happened and they told me to report XXXX and wells fargo. I have complete documentation of this whole horrible encounter. I lost my home and $ XXXX because of this guy and wells fargo.
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

This is more of a " for your information '' note. With XXXX XXXX in the news about account fraud, I was hoping that Bank of America would also be included in the investigations. About 8 years ago they opened a credit card account without my permission. I have a checking/savings account and was curious about the percentage rate. No permission was given verbally or in writing however I received a credit card in the mail. I did not activate it and called Bank of America to discontiue the card. It did affect my credit report though. Bank of America denied any wrongdoing. I am hoping that you will be looking at their practices too. Thank you- Sincerely, XXXX XXXX
Consumer complaint received 2021-08-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Loan Servicer states the following on XX/XX/2021 communication to Borrower : " You previously indicated that you have been impacted by the COVID-19 pandemic. '' " The existing payment relief provided on your account is coming to an end. '' Borrower Concerns : Loan servicer is not providing date on when COVID-19 relief assistance is coming to and end. 
Loan servicer proceeding with foreclosure while payment relief due to COVID-19 pandemic is still active.
Consumer complaint received 2017-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My personal information was leaked or stolen XX/XX/2008 and has been used to obtain medical accounts, loans, and education in my name. I was barely legal I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't until last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this, and when we spoke to the police department they did n't have many answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think I 'm lying. Figured this was my last stop or just wait seven years I guess for this to fall off my credit.
Consumer complaint received 2016-12-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CO)

I received an offer in the mail from Wells Fargo Bank offering a {$300.00} bonus for opening a new checking account and making deposits totaling {$500.00} in the first 60 days. On XXXX XXXX, 2016, I spoke with XXXX XXXX, Small Business Specialist II at Wells Fargo to begin the process of opening the account, told him I wanted to open an account eligible for this offer, and provided him with the offer code on the offer I got in the mail. In that phone call ( which I have a recording of ), XXXX XXXX confirmed the type of account I opened was eligible for the {$300.00} bonus offer. That day, XXXX XXXX sent me some forms I needed to fill out, and after sending him the forms back, on XXXX XXXX, 2016 I again spoke with XXXX XXXX and we completed the process of opening the new account, and XXXX XXXX provided me with the account number for the new account and told me to make my initial deposit. On XXXX XXXX, 2016, I also dropped off a deposit for this new account in the amount of {$550.00} at a night deposit box at Wells Fargo. 

However, despite the fact that I complied with the terms of the offer Wells Fargo mailed me, Wells Fargo refused to honor the offer for the {$300.00} bonus and proceeded to close the account and reject my deposit. I have repeatedly contacted Wells Fargo requesting they honor the offer, and to-date they have refused to do so. I have attached a copy of the offer I got in the mail, a copy of the deposit slip and check from my XXXX XXXX, 2016 deposit, and Wells Fargo 's XXXX XXXX, 2016 letter to me where they return the {$550.00} check that I deposited on XXXX XXXX, 2016, confirming they received the deposit. I also attached a recording of the XXXX XXXX, 2016 phone call, where XXXX XXXX confirmed that this account was eligible for the {$300.00} bonus offer ( beginning at XXXX of the recording ).