davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-30
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (OR)

today while on a recorded line speaking to Wells Fargo Bank I spoke with a man named XXXX XXXX who continues to tell Consumer Financial Protection Bureau that they are assisting XXXX XXXX XXXX and family in investigations into the misconduct and financing of property without the knowledge of XXXX XXXX XXXX also at the same time they have told CFPB 60 days to assist with documentation they are not preparing as in ledgers audits on accounts funds produced and also liability claimed as beneficiary of these events. why would Wells Fargo Bank continue to tell Consumer Financial Protection Bureau they are assisting in the recovery of the home and property or the client and his rights when none of such is being done including helping with a forfeiture against current persons in the homes who acquired them for free illegally by XXXX XXXX XXXX who was put into power by Wells Fargo bank. we admitted to Wells Fargo bank that my brother might have been a part of the situation but still my brother is not the beneficiary of the property nor receiving payments for this property on any records that I can find, any proof of the transactions other than what was approved by XXXX XXXX XXXX has been requested. the longer this drags out the more time Wells Fargo Bank has to benefit off this as well as create more problems by for closing forfeiture and sales illegally of the property through the side title companies XXXX County title and XXXX County title all in Washington State and bonded by XXXX trustee services as independent state entity or private/state entity ( s ) funded and insured through Washington State. amateur izations were also requested last year around the same time when notification of the property have a non sufficient funds produced and XXXX XXXX XXXX being the payor of the Dead by and through wells Fargo the legal fraud and transacting wire fraud transfers of money pulling into XXXX right off XXXX to pay debts without his permission nor any rights given. specifically stated that this is out of Wells Fargo 's hands.
Consumer complaint received 2017-01-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo Dealer Services refuses to release information regarding my vehicle loan. In order to refinance, I need them to fax or mail my original contract to the new lender. 
After two and a half weeks and six different conversations with several customer service representatives, each with different understandings of what information they may or may not release and how. Not even customer service supervisors, XXXX ( on duty Friday, XX/XX/2017 around XXXX EST ) or XXXX ( on duty Tuesday, XX/XX/2017 around XXXX EST ) would get the " Document Management '' Department to deliver my information. 

My business is effectively being held hostage by Wells Fargo while interest on the loan accrues.
Consumer complaint received 2015-04-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I contacted CFPB to dispute a negative mark XXXX XXXX XXXX collecting a debt for payday loan yes. it showed XXXX in 2008. I have never heard of payday loan yes. I never received any correspondence from XXXX or XXXX loan yes. Their response to CFPB is on file case # Case number : XXXX ; however, the negative mark has not been deleted from either credit bureau as promised. I also disputed with the credit bureaus and informed them of the response on CFPB ; however, they continue to report.
Consumer complaint received 2015-10-14
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (WA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/2015 on EXPERIAN CREDIT REPORT. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records.
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : DEPT OF EDXXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$760.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$230.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1600.00} ; XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX XXXX XXXX Balance {$760.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$1600.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX 2022
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

EQUIFAX : XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$560.00} XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX {$160.00} XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$380.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$560.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX {$160.00} XX/XX/XXXX XXXX : XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$380.00} XX/XX/XXXX XXXX Account Number : XXXX {$560.00} XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX {$160.00} XX/XX/XXXX
Consumer complaint received 2015-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

Problem is with Experian Reporting of account status. 
Received a judgement ( Attachment A ) for an account with XXXX XXXX and the judgement was paid in full, satisfied in XXXX, XXXX, filed as such in XXXX, XXXX. 
The paid judgement is shown by Experian in XXXX/XXXX/XXXX report ( Attachment B ). 
XXXX repeatedly has told me they have reported nothing on the account since XXXX, XXXX, when it was charged off. 
In XXXX XXXX, Experian shows a " failed to pay '' in the payment history for the account. My FICO score dropped about XXXX points. I disputed this as an error in XXXX XXXX. The result was an additional " failed to pay '' as of XXXX XXXX. Again, I lost XXXX points on my FICO score for a late payment. 
I called Experian and asked how a dispute could do additional harm to my credit, how disputing an error, leads to an additional error, further damaging my credit. I was told, " that happens sometimes. " In summary, this is an account that was adjudged, satisfied in full, and closed out in XXXX, XXXX. There is nothing left to pay. If I did send more money, sound accounting would require XXXX to refund it! Yet, I am XXXX accused of late payments by Experian, which XXXX denies reporting. 
I asked an Experian representative about requesting a Method of Verification, but was told the source would be XXXX. 
In our system, our lives are significantly impacted by our credit. Like many Americans, I was devastated by the housing crisis and recession, and my credit was damaged. I have made restitution and/or settled with my creditors as proscribed by law. Experian appears to take there responsibility lightly, as they reject logic, and punish consumers for disputing their errors. This account is paid and charged off, and I can not possibly have a late payment two years later. 
XXXX denies reporting anything, and I can not dispute it, for fear of doing myself further damage. It appears that having performed equitably within the system, I am wrongly held back from trying to recover my credit status. The system is not working, so I turn to this agency to please help me.
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (PA)

This is not a duplicate, I 'm asking for Experian to remove the late payments off XXXX account XXXX. It has been over 7 years from, the delinquency date which is XXXX 2009. I would like the late payments removed from the account, not remove the account as you seem to think I asked.
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (OR)

I was unable to receive my free annual credit report from Experian. The website says, '' We were unable to honor your request. If you entered your credit card information, we did not charge you. ". So I guess they want me to pay for the report but it 's supposed to be free. There is no option to speak to a human when I call. My banks fico report says that Experian is reporting delinquent payments which is false. So I need the report and then a direct line to speak to a human to remove false info on my credit report.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The inclusion of these unauthorized inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-23
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. (MO)

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect or delete off my credit report account. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-09-15
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I got a loan because work was slow and loan was for rent. 
This was over 4 years ago I lost my job and became homeless could not get a job just 8 months ago I got on XXXX living with mom finally get on my feet still no job but getting progressI get a call from some office and it 's for ace cashLady talking to me like I 'm idiot until I got mad she said they taken me to court blah blahOk is this possible if so I want to fight these guys and old tactic they using that is illegal in CaliforniaSaying took the loan with intentios of not paying it backSo I said listen lady are a you mind read or whatHow can you try to tell me you know why I got the moneyThat 's what you said not meShe like I 'm not the bad guyI said yes you are I 'm not the idiotMy loan was for XXXX $ now they want XXXX $ Take me to court I said I do n't have it when I do I 'll pay what I borrowedBut she said I 'll give you 2 days to pay or they will send to courtGo head loan will be 7 years soonThese dept collectors need to be sued along with ace cashThey give money and charge you 3 times amount like a loan shark last I check that 's illegal wait tho if they take me court I 'll need to pay count fees tooGive me jail time I will not be apart of this ACE CASH scramWhat should I do
Consumer complaint received 2015-07-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I co-signed for a private education student loan for my nephew in XX/XX/XXXX in the amount of {$9900.00}. I finally was able t re-pay the loan back XXXX ( plus interest ) totaling {$11000.00}. Recently, Navient Solutions XXXX XXXX XXXX XXXX sent me a bill for {$5500.00}. I immediately called Navient customer service to explain and was asked to submit proof to the claim department ( which I did XXXX. Several weeks later I received another invoice, I called again and asked to speak with a supervisor. But without resolve and being placed on hold for long periods of time as well as being transferred from customer service to claims to other supervisors was asked again by Navient to provide a payment history. I asked if they would do the same so I can compare it to what I 've sent over the years but have only been told they 're experiencing technical problems and my payment records are n't available. I 've faxed and mailed check dates, numbers and amounts but still no resolution. Under the Fair Credit Reporting Act, Navient is obligated to provide a detailed summary of all payments received by date and amount. As of today, they have not done so. What is my recourse? How can I get the protection I need to resolve this problem? I am a consumer and stuck in the vortex of a large federal organization who 's common practice is to provide unfair customer service to students, seniors and veterans. The customers services representative and supervisors are deceptive and change their names. I know I spoke to the same reps several times but they swear its not so ... What are my next steps? The more I call Navient, the more excuses I receive ... .If this is happening to me I know others experiencing the same frustrations. Navient is located at XXXX XXXX XXXX, XXXX PA XXXX. XXXX.
Consumer complaint received 2015-06-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

My loan was recently sold from one mortgage servicer that was doing a great job to another mortgage servicer called Nationstar Mortgage that is not doing a great job. I just went through a situation regarding my escrow account that I wanted to share with you. I pay my bill on time every month. I received a tax bill from my local township that needed to be paid from my escrow account by XXXX XXXX. I contacted them to pay the bill XX/XX/XXXX. On the XXXX call I offered to fax them the bill, but they declined stating they will just call them and get the amount. After the bill was n't paid XX/XX/XXXX, I started calling them constantly to plead with them to pay the bill on time to make sure I received the 2 % discount. They would tell me it was paid, but nothing had come out of my escrow. After my XXXX or XXXX call, I was elevating to a supervisor to talk about the issue. Finally they paid late and covered the late fee. This started more problems with my escrow. Because the bill was n't paid on time, there was an analysis that states annual escrow account disclosure form that states I have a surplus of {$320.00}. They sent me a check. I called again and explained that this money was supposed to pay the taxes not be sent to me. That was on XX/XX/XXXX. They ran another ANNUAL escrow account disclosure on XX/XX/XXXX stating I owe {$390.00} due to escrow shortage! What is going on with this company. The icing on the cake is I sent in the {$390.00} with the escrow slip they provided and they applied the full amount to principal. This was an escrow shortage payment sent in with the slip they provided and now I have to call them again to have this money placed correctly into Escrow. I have had several mortgage servicers and this is the worst customer experience ever. I am completely stressed out and was hoping your organization to fix the incompetence at Nationstar Mortgage.
Consumer complaint received 2016-05-10
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (IL)

Continue case # XXXX. CHASE keep lying to CFPB because I phoned CHASE two times on XXXX 2015 to have them to stop any payment to XXXX in case XXXX filed charges from my credit card. Each time, CHASE 's representative promised me that CHASE will block all charges from XXXX in case XXXX might charge me in the future.
Consumer complaint received 2015-09-23
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO. (MI)

In XX/XX/XXXX I received an auto loan from chase bank to purchase a car for my daughter. Up into the last few payments I turned the car over to my daughter and several payments were missed. Once I realized in XX/XX/XXXX I made the payment and allegedly {$.00} cents was left on the payment. Chase agreed that I did not have to send in the {$.00} and forward me the title to the car with the bank name removed as a lien holder. For the past 3 years I have been trying to get chase to correct my credit report showing that the loan was paid in full. As of XX/XX/XXXX due to the {$.00} I spoke with chase bank who admits someone error in the credit reporting and they will make the change. For three years with the negative reporting by the bank I would like the account deleted from all XXXX reporting agencies. The car has been paid off since XX/XX/XXXX numerous calls to Chase bank with no success to get them to correct there error.
Consumer complaint received 2015-08-19
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (MD)

I have been a Chase credit card holder since 2007. I use this particular credit card sparingly, pay my account in full every cycle, and do not carry a balance. In the midst of a difficult pregnancy, a move, and significant home renovations, this XXXX, I lost track of my calendar, and unfortunately paid my Chase credit card balance ( again in full ) less than 24 hours late ( my payment is due on the XXXX, and I paid online the morning of the XXXX when I realized what day it was XXXX. I called Chase immediately, and they were able to waive the late fee. Today, XXXX XXXX, I woke up and ( after another bout of morning sickness ) I realized the very same thing -- I had thought today was the XXXX, but it was the XXXX. I immediately went online and paid my statement in full : {$55.00}. I again immediately called Chase Credit Card Services to explain the situation, and they informed me that they would be charging me a {$25.00} late fee ( nearly 50 % of what my actual statement balance was XXXX and that they would be unable to waive it. I explained that I was a customer since 2007, who reliably paid my balance in full, which they acknowledged after reviewing my account ; and that I would choose to close my account and use another credit card if they refused to extend me the courtesy of waiving the late fee. Even after speaking with a supervisor, I was told that no one had the power to waive the fee ( which I can not believe is true ) and that I should go ahead and move forward with closing my account ( all over {$25.00}, which is silly from a XXXX dollar business 's end ). Ultimately, I was charged {$25.00} for the privilege of borrowing {$55.00} for less than 24 hours more than permitted. I think that this is an unreasonable business practice in light of the fact that the balance was only {$55.00} and that the payment was less than 24 hours late. Other credit card companies ( e.g., XXXX XXXX would waive this fee in light of the circumstances. I feel that I was treated unfairly and inflexibly given the circumstances and my history with the company. This is not how a company should treat its long-time customers.