davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

I am a wells fargo non escrow customer and In XXXX XXXX Wells Fargo contacted me via mail to state my property tax payment was in default. I stated to them I was paying my property tax using a payment plan with my county tax department and that I was not in default status. I presented wells fargo with all supporting documents to show that I was on time with my payment arrangement. They stated they understood and as long as if I continued with my payment arrangement they would not interfere. In XXXX XXXX I received notification that they made my account an escrow account paying past taxes which I was paying on a payment arrangement and the current tax payment for XXXX. When I called Wells Fargo the representative stated " we made your account an escrow account as a preventive measure so you would not go into default. '' At no time did any representatives from wells fargo ever call me to discuss my account status and to see if there was a action being taken against me. After many phone calls and debates I notified executive services of my complaint with their non escrow department and my financial hardship that I have now been placed under. This hardship that wells fargo placed on me by now demanding I pay back this money in 60 months and not allowing me to refinance or go through a loan modification stating I can afford the new payment due to my GROSS earnings has placed me to consider foreclosure and has made my family in crisis My original payment I was paying was XXXX wells fargo is now requesting me to pay XXXX. This is a XXXX increase. I have pleaded with wells fargo to review my finances using my net income and expenses and to allow me to have a conference call with their underwriter to discuss my loan status I was told no that that the underwriter is not available and that no representative would talk to me. I was informed to appeal my case and submit documentation explaining my situation. I stated to the representative that I am confused and really need to speak to someone. I also told the representative I have been a good customer never late on a payment and deserve the opportunity to speak to the underwriter. I also stated why would the bank not consider extending the payment of the escrow account owed so the payment could be more affordable. I am confused why they are unwilling to work with me and have me go into default. I also was informed if I pay my original amount of XXXX they would reject the payment amount. I can not express enough the emotional turmoil this bank has placed on me for a situation they had caused.
Consumer complaint received 2016-01-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (CA)

Even though I have been medically designated as totally and permanently XXXX and receive SS XXXX as my online income, AES student loan companies will not discharge my loans. My federal loans have been XXXX. 
I am unable to work. My minimum AES monthly bill is more than a third of my SS payment. SS XXXX is my only source of income. If the federal government acknowledges my XXXX then why AES. Also, the constant phone calls only make me feel worse everyday.
Consumer complaint received 2015-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CO)

This is in regards to my mortgage ( Loan # XXXX ) with Wells Fargo. 

I recently had to pay {$360.00} to Wells Fargo for them to perform an appraisal of my property ( XXXX, CO ) for PMI purposes. A full appraisal was performed on XXXX/XXXX/15 and I received a copy of the final appraisal report on XXXX/XXXX/15. On XXXX/XXXX/15 Wells Fargo called me to confirm I received the appraisal report, then at that time we discussed potentially refinancing my loan given recent rate activity. The mortgage consultant I dealt with ( XXXX ) mentioned that an appraisal would be necessary for the refinance and then confirmed via email that I COULD NOT use the XXXX I just bought through them for {$360.00}. 

This appraisal is less than 30 days old, it was purchased through them, and I just paid {$360.00} for it - yet now they are telling me it is not valid and I need to turn around and re-purchase the exact same thing from them again in order to refinance my loan. This is predatory behavior and Wells Fargo is trying to take advantage of its customers.
Consumer complaint received 2016-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Texas Guaranteed (OH)

Spoke with a XXXX who refused to give her last name-said in the garnishment department and ext is XXXX-but would not disclose her full name. Secondly, I had given written and verbal authorization to speak with my 3rd party and they refused to do so. I asked for this rule or regulation in writing they denied of course. This company is not willing to work with me and I would like for some action to be taken against this agency.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I disputed a collections account on my Transunion credit company. The account is for a medical bill in my hometown of XXXX, LA. The account is currently owned by XXXX ( accoount # XXXX ). The account has been transferred to a number of different collections agencies and I dispute it everytime it pops up on my credit report. It was previously owned by XXXX XXXX and I disputed it then also. XXXX is also reporting this account, but on my XXXX report the account is owned by XXXX. The account is for a medical bill my father accrued when he went to the XXXX at XXXX XXXX XXXX. The info I 've received thusfar matches the dates of the charges.His name is XXXX XXXX. The collection agency that reported the account sent a letter to me in response to my dispute. The letter is also addressed to my father, they just sent into my home instead of his. Today, I got a notification from XXXX XXXX that Transunion has completed their investigation and they are refusing to remove the inaccurate information. They claim it meets FCRA requirements. But this is impossible, because the account is in my father 's name. I called Transuion last week to emphasize how important it is that they remove this fraudulent information from my credit report. I guess I did n't drive the point home well enough, because despite the collections agency submitting a letter that is addressed to someone else, they still did not remove the information. I am looking for an apartment and I really need this account deleted so that I can get approved or I will be on the street come XXXX. Please help. This is extremely urgent.
Consumer complaint received 2015-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is a collection on my TransUnion report from XXXX which is not mine. I have never had XXXX service and believe this to be identity theft. I am in the process of notifying TransUnion and reporting the fraud as well as placing a security freeze, but the site is bogged down and does not work properly. I also do not believe that the site itself is as secure as it should be. In addition, when I try to request a free copy of my report, it says that I have already gotten it, and I have NOT.
Consumer complaint received 2016-07-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance Group & Associates LLC (OR)

I have received multiple calls from this agency looking for a XXXX XXXX. I am not XXXX XXXX. I have corrected them on this multiple times when they have called, but today they stated that I am the correct person and it was n't for XXXX XXXX. They could state who the bill was from " XXXX XXXX '' but not what the bill was for. They threatened to send the bill to my credit report if it was not paid by XXXX today.
Consumer complaint received 2016-08-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

I co-signed on a car loan with my son and he purchased full coverage on the vehicle including gap insurance. He was involved in an accident and the car was totaled per geico insurance company. The bank was named as additional insured and at all times was kept in the loop.As you know insurance companys take time to process claims and it was taking longer than usual and the bank was not co-operating with the insurance comapny which my son should have taken care of this and he didnt. To make a long story short the insurance company paid the bank and the gap insurance company requested information from the bank which they did not to my knowledge provide to them so they may pay the balance of what the insurance company did not pay.The bank has falsely reported to the credit reporting agencies that this is a voluntary repossession which is not true or correct. They were paid in full according to the insurance company. This is affecting my credit standing.
Consumer complaint received 2015-09-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I tried to obtain FREE credit report via 'www.annualcreditreport.com '. I elected to get my current report from TRANSUNION. However, when I submitted my personal information I was directed to a screen on my computer that would not let me proceed until I signed up for their 'credit score ' ( for {$1.00} ) and a membership for credit monitoring in which they would bill me monthly for this service. There was no way around this, so I was forced to request my FREE annual credit report from XXXX of the other XXXX companies. TRANSUNION is pulling a scam. Why is n't something being done about this??
Consumer complaint received 2015-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Stellar Recovery, Inc. (CT)

Continued attempts by XXXX XXXX XXXX to collect on debt under my name. The debt was clearly shown under another name and address in a state I have never lived. I also was currently living in the northeast while the debt is in California. 
I have disputed several times but the debt keeps showing up in my credit reports.
Consumer complaint received 2016-01-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AZ)

Description of the complaint On XX/XX/2015 I started a fraud claim. Somehow XXXX XXXX was put on to my account when I strictly said for her to NOT be on there. She opened up a total of like XXXX accounts in my name and drained me. I had {$50000.00} in a premier savings account not to be touched for a year for my kids, {$50000.00} in a regular savings not to be touched and the other ruffly {$120000.00} into the checking account. I did all the paperwork and sent it in from the branch on XX/XX/2015 and was on the phone with XXXX with the fraud department and she advised me that it was so obvious that it was fraud. We went threw every transaction and she said it was pretty cut and dry and I should have my money back in XXXX days. I have still not gotten anything back. I have called and been told that if I keep bugging they will keep it open forever and that I will never get anything back at all. Even sitting in the branch the other bankers were astonished and appalled at what I was being told and how I was treated. Due to this I have been starving, no electric, no water, ect cuz no bills can be paid. My kids had no XXXX or anything. A total of {$200000.00} was stolen. 

How complaint can be satisfactorily addressed My Money be refunded in a extreme quickness. I am also going to be switching banks.
Consumer complaint received 2015-08-14
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (IL)

In XX/XX/XXXX I was granted a loan modification with my mortgage lender Wells Fargo after XXXX years and XXXX attempts. I was relieved that I was granted the modification and would be able to remain in my home. 
XX/XX/XXXX I listed my home for sale and attempted to obtain a mortgage on another home. I was denied the new mortgage due to a low credit score resulting from the years of " late payments '' that were reported by Wells Fargo during our working together to obtain the modification. In addition, I was recently told that due to the modification, I would not be able to attempt another loan for a mortgage for XXXX more years. These dings on my credit and inability to apply for a mortgage were never spelled out during the process. 
In addition, I also now have a lien on my title from FHA for XXXX. Please advise! 

Thank you!
Consumer complaint received 2017-09-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Option Funding, Inc. (CA)

I was working with Option Funding on refinancing my home loan. We told them that we wanted a loan with the terms that we pay twice a month rather than once a month. This would reduce our principle faster so our 30 year loan would be paid off early. They agreed to find us a loan with these terms. 
Once we signed on the loan we found out that the loan was not set up this way and the lender would not make this change since this requirement was not stated in the terms of the loan. I informed XXXX XXXX at Option Funding and they said they would call the mortgage company to fix this. They said I could just make an extra payment at the end of the year but this is not what we agreed to when we signed up for the loan. 
During this time the original mortgage company sold the loan to another company who stated they would not make any changes to the loan since the terms were already set. Option Funding said they would try with the new company but never got back to me and is no longer taking my calls.
Consumer complaint received 2024-11-15
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. (IL)

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX XXXX XXXX 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX {$870.00} XXXX {$1800.00}
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Finance Company, LLC (TX)

It was brought to my attention upon checking my credit report. There is an account owned by Continental Finance opened around XX/XX/year>, in which they are owed a debt. 
I have no knowledge of this account and has been confirmed fraudulent. 
They have failed to respond to Debt Validation as well as a Debt Verification Request to confirm ownership.

They have validated my rights protected under 15 USC 1681.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MA)

Hello, I am writing to share my experience with Equifax since they announced the breach of millions of consumer 's personal information. Equifax established a partnership with a company called TrustedID. The websites for Equifax and TrustedID are constantly down. The TrustedID website looks like a high school student designed it, which does not instill confidence and looks like the company is putting zero effort into resolving this for consumers. 

Today, I received a text message from Equifax/ TrustedID saying their was an issue on my credit report and I should call the number provided. I have been on hold for 45 minutes with no indication as to when my call will be answered. The website provides no information as to what is going on. 

I know numerous people who are affected by this but who wo n't file a complaint. Please know that Equifax 's entire response to this breach has been pathetic and all consequences have fallen to the consumers they let down. They are providing a year of identity theft protection for a lifetime problem, and to make matters worse, they used a program that is not easy to use, never loads, and with a phone number no one answers. 

Please hold them accountable. Thank you.
Consumer complaint received 2022-01-09
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. (NC)

I haven't received any supporting documents stating this alleged debt on my consumer report. Some of the accounts came back verified in investigation but with no explanation on how the debt came back verified. It is unlawful to keep these accounts on my consumer report if they are coming back unverifiable. Additionally, I have put in complaints to the XXXX to remove the accounts. The accounts say they notified the reporting agencies, but the inquiry is still on my consumer report.
Consumer complaint received 2017-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is not solving my problem, from last one week I am trying to file a fraudulent claim of {$410.00} which was charged on my card ending in XXXX on XX/XX/XXXX, I spoke with three different supervisors ( one was XXXX ) and with two others on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX respectiely. XXXX told me that this claim was filed, but it was never filed. Bank of America has very unprofessional, unfriendly staff. One supervisor says something and the other one says something else. 

Please solve my problem and ask Bank of America to give me a credit of the charge I never made. 

thanks
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

First Citizens Bank is reporting an account in my credit that is past the age for reporting. Not only that but this debt was not due to any fault of mine. My bank card was stolen in 2008 which is when this occurred. I went to the bank to tell them. The manager told me to fill out a police report. I did so. I was then told not to worry about it because they would take care of it. Well that never happened.
Recently, I go to buy a home. This is on my credit. I write to them and they send me an affidavit to fill out. I do so and then ask them to get this off my file because it is too old to report and nothing.
I sent the affidavit certified signature receipt because I wanted to ensure they got it. I have allowed 2 months for them to respond, remove it or something. The account is still being listed even after filling out the affidavit. The police no longer have the report because their records do not go back that far. First Citizens have also been notified it is past the age to legally report this debt. Yet somehow, it is still listed. 
They are violating laws established for reporting on someone 's credit report. I want this removed today.
Consumer complaint received 2016-11-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CO)

Chase Bank rejected XXXX checks that I had to use with XXXX, likely as retaliation for complaining to the XXXX about the issues I had getting a debit card for 6 weeks ( only finally received Monday ). 

I just called and confirmed they had no legal reason to refuse the checks, considering I had more than enough money in the checking account to cover them.
Consumer complaint received 2016-07-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IL)

I need your help on this file. I received this file after another negotiator could no longer work on it. I have been submitting paperwork since early XXXX. When I spoke to the bank in early XXXX no one could talk to me because they said the client had to fix something regarding my third party authorization. Finally when they fixed it the bank said they could not speak to me because they did not have a FHA addendum on file. When I requested this from the buyers they became angry because they though the short sale process was no were close to being done. 

They have had an offer on this property since XXXX. I can not speak for the other negotiator but I can understand why everyone is frustrated in this process. I received an email from XXXX last weeks stating that she needed additional documents and the XXXX was being order. When I asked her if there was a foreclosure date she said yes and that she would no longer be reviewing the file. 


She contradicted herself because I do n't even think she knew about the foreclosure until I mentioned it. If she was sending letters to the home owner and there were documents missing why did I not receive an email also. My clients speak XXXX so they were probably unaware of the documents that were missing. I received a new offer for this home today and will be getting all the documents in by Monday. Is there anyway that you could please consider stopping the foreclosure of this property on Tuesday XXXX XXXX. I know it is last minute but I will stay on top of this file so we can get his closed ASAP.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom It May Concern : I am writing to correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. This is my only address. 
My only name is XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/year> I do not wish to have my employer on my report I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX