davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-27
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

We filed for a Chapter  XXXX  Bankruptcy and ha d a Wells fargo Home Mortgage  at the time. When we came to the end of the Chapter  XXXX ,  Wells Fargo sent us a Mortgage Modification Plan, wh ich included making three payments during a trial period. We made the payments on the dates they requested, and we have all documents to prove the payments were made.     Once the payments were made, we entered into a mortgage modification. We have since discovered that the payments we made were reported as late, affecting our credit. We have tried to resolve this with "  XXXX  '' from  Wells Fargo, but he h as now reported he will not change the information.     Our complaint is that since we never received any documentation fro m Wells Fargo sta ting that if we made the mortgage payments during the trial period, it would affect our credit. We believe that since we were not notified of the possibility of the negative credit reporting to our credit if we made trial period payments, the reported late payments on our credit should be removed.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CO)

My ex-wife and I had a joint line of credit w ith Wells Fargo. When  she filed bankruptcy, the account was charged off in  XXXX   XXXX . Since that date, the account info has been incorrectly reported to  XXXX , and a check of my credit report today shows the account as still open and my status as  120+ days past due. I sent a letter to Wells Fargo in   XXXX   XXXX , and have disputed this issue  with  XXXX  several times.   XXXX   will no longer accept a dispute, and Wells Fargo continue s to give me the run-around and wo n't fix my issue. My credit rating has suffered as a result of their inaction.
Consumer complaint received 2017-04-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. BANCORP (WA)

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  Phone nu mber :  XXXX .     I have been receiving phone calls from this company stating that I am being sued for an old debt with  US Bank. I contacted US bank direc tly after the first phone call and they stated that I do not owe a debt with them & to ask the company for a validation of debt.     I received a phone call from a blocked number, when I answered the woman on the phone was from   XXXX   XXXX   XXXX   XXXX   claiming to work at a law firm. When I asked her for a validation of debt, she declined. She stated that I would not receive that from them, I would receive that from the bank and that she is going to push a button and place t his $ 4,000+ debt to my credi t report, where it will stay for 15 years. She went on to say that if I did n't pay her with in the next couple of minutes that there would be no way to resolve the debt. This woman was very rude, she would not answer any questions that I had asked. She cut me off multiple times and threated me by saying she has my social security number, birthdate, address and information about my personal owned business. She stated that she has many avenues on which she can take to collect the money owed. When I told her I needed a little more clarification on the situation, she hung up on me ... twice.
Consumer complaint received 2017-04-28
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: EQUIFAX, INC. (CA)

There was a loan account opened under my name due to identity theft. I disputed the information with   XXXX   and   XXXX   by providing police reports and identity theft affidavits and was successful in having those bureaus remove the incorrect information. However, Equifax refused to look at my information and sent an automated response that the information could not be verified which is keeping this account on my credit.
Consumer complaint received 2017-04-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MO)

I went back to college to obtain my  XXXX   XXXX . The cost of tuition was going to be {$19000.00} for the program. I took out federal loans through Navient. From  XXXX   XXXX ,  XXXX  through  XXXX   XXXX ,  XXXX  I would receive a " REFUND CHECK '' in the mail from my college,   XXXX   XXXX   XXXX  . I questioned the amount of the refund since it was much more than my tuition. I would call financial aid at the college, and their response was " an overpayment by the loan agency ( Navient ) based on your financial needs. Money to spend in whatever way you need. '' So I THOUGHT this meant, based on my tax history and financial needs, this was " extra money '' being sent to m y Navient. However, when I completed my degree, my ending balance was {$36000.00}!!!!!!!!! NOT {$19000.00}!!! ! After speaking with   XXXX   XXXX  , they explained that they send an invoice int o Navient for   tuition costs. Navient sends money back to the college to cover tuition, PLUS EXTRA money " just in case I needed it for something ''. So basically this " extra money '' was being tacked on in a check with the memo " refund ''.
Consumer complaint received 2017-04-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America took {$1.00} from my Checking account at   XXXX   XXXX   without my Permission,, I called  XXXX   XXXX   XXXX   and ask about the withdrawal and they said that Bank of America gave no reason for the withdrawal and t hat BofA ha d the routing number and Checking account number. I then called Bank of America and ask them about the withdrawal from my  XXXX   XXXX   XXXX   account,,, I was on the phone wi th BofA for about 30 minutes, transfer 3 times and they said they couldn`t find any reason why BofA would take  {$1.00} from my  XXXX  Checking account and that I needed to check with  XXXX   XXXX   XXXX    , , I t hen ask then who gave them permission to withdraw the money from my   XXXX   checking account and where they got my routing and checking account numbers, they COULD not tell me,,,,, My   XXXX   checking account shows the {$1.00} withdrawal to Bank of Americ a on   XXXX   XXXX ,   XXXX  ,,,, , ,NO offer o f returning the money has been made,, I WANT MY MONEY BACK,,, a nd one more thing, the phone call to Bank of America , where I was transfer 3 times, was also recorded by Bank of America , I believe that  was on  XXXX   XXXX  or  XXXX ,   XXXX
Consumer complaint received 2017-06-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: STATE FARM BANK, FSB (MD)

We desperately want to save our home. We 've been trying to get a loan modification with State Farm Bank FSB, but our efforts have been futile. We started this process in XX/XX/XXXX, it is now XX/XX/XXXX and no approval. The loan modification process is ambiguous and not transparent. The Consumer does n't know what to expect and all decisions are up to the Underwriter. The consumer is not informed of the process or criteria. As a consumer I should know what happens the moment the packet is received. There is no checklist of what is being done on your packet and how the decision was arrived at. State Farm Bank FSB, also does n't allow the packet to be emailed or Signatures to be docu-signed. Their system is on the cutting edge of functional obsolescence. You can only fax or mail documents. This considerably delays the process. We are not able to know the name of the Underwriter handling the modification. When items are supposedly missing we would receive a letter that comes ten to fourteen days later. By the time we 'd get it the other documents would expire. State Farm Bank would consistently ask for the same information over and over again.
<P/>I filed for Bankruptcy and State Farm Bank knew this, but they still requested I pay off liens that was on the property. We thought that was a good sign, and since State Farm Bank made this a condition of the loan modification we did as they requested. Once we got the property in good standing they denied the loan. Stating we did not live at the property. We are now out of pocket over $ 10K, this was money we were saving to pay towards the mortgage. <P/>I wrote letters to State Farm Bank 's Attorney, State Farms Management XXXX XXXX and XXXX XXXX. I also left a voicemail for XXXX XXXX onXX/XX/XXXXto return my call, but have not received a response or call back from the Manager yet. I also followed up my call with a faxed letter to her, have written to State Farm Banks Attorney and the managers at the company, however all my letters seem to fall on deaf ears. <P/>Since State Farm Bank denied our loan for not living at the property and we submitted proof that we do. Can State Farm Bank turn around and deny us for a different reason? Our packet should not have to sit on someone desk another 30 - 180 days while our mortgage and late fees are mounting, especially for an appeal. We was told there is no time frame for the Underwriter to make a decision on an appeal. This is totally unfair. <P/>I have called HUD counselors and done everything I can. We have done a lot of work to this property and have paid off liens. We want to save our home and are asking State Farm Bank to do the right thing and give us a loan modification.
Consumer complaint received 2017-06-13
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

Case numbers :  XXXX   XXXX   XXXX  QWR and Debt Validation was not addressed and no financial documents were given to me from my request.     The Notice of Rescission of notice of default  XXXX   XXXX ,  XXXX , was not addressed at all from my request.     The  XXXX   XXXX ,  XXXX  TILA rescission is an event that happen I am not asking them to consider.  XXXX   XXXX ,  XXXX  " effective upon mailing '' No answers to any question to in my written request and they are late in the response also.      XXXX   XXXX
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

Account was granted retroactive forbearance that covered these time periods. I notified FEDLOAN to adhere to FCRA Secti on 623 ( a ) ( 2 )  in  XXXX   2017  and update the delinquent status listed on my account but was denied. I have since faxed a request to have this inaccurate and incomplete information updated and have not received a response.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I had previously paid off my  XXXX   XXXX  credit card in   XXXX   and requested that the card be closed. In  XXXX    XXXX  , I received a statement showing a balance due. I contacted  XXXX   XXXX  and asked again for the card to be closed and the charges to be waived. Although the charges were waived, the card was not closed. The supervisor stated that he would have a new card sent to me so that I could use my credit and maintain a good credit score. I agreed. However, I never received a credit card. I have a statement showing the credit of {$9.00}. Now I have a 60 day credit hit and just received a statement showing a balance of {$220.00}. The rep stated that there are notes not to call me. I never provided a cease and desist. I spoke to  XXXX  today who transferred my call to a supervisor named  XXXX .  XXXX  stated that it would tak e 2-3 wee ks to investigate and I would be sent an affidavit to sign and return to them. The call was then transferred to a senior named  XXXX  who stated that it would ta ke 2-3 MON THS to resolve and update my credit bureau report.  XXXX  said that  XXXX  gave bad info. If  XXXX   XXXX  had closed my card the first or even second time I asked, none of this would be at issue and my credit score would not be impacted.
Consumer complaint received 2015-09-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Account Systems of Omaha, LLC (FL)

Hi, I recently pulled my credit report and found out that there was a bill listed as late on my credit report that I was unaware of. I contacted National Account Systems of Omaha who had apparently been contracted to collect the debt to resolve the issue. I was fully willing to make payment in full, but requested that they remove the debt from my credit report. During the conversation with a XXXX XXXX XXXX, he was hostile, and argumentative. He stated that they had tried to send numerous requests to my home in XXXX, XXXX ... I live in XXXX, XXXX. He tried to charge me an additional {$160.00} on top of the {$110.00} that is in question. He stated that I was trying to bully him into removing the debt when I stated that I know my rights as as consumer and mentioned that I knew I could contact you for assistance on the matter. 

I simply tried to resolve the matter as soon as I realized what was happening, and streamline the process by contacting them directly. If you could help me get this matter resolved I would like to move on past this. If there is any additional information that I can provide for you ; please let me know. 

I greatly appreciate your time and assistance in this matter. 

Highest regards, XXXX XXXX
Consumer complaint received 2017-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NH)

On  XXXX   XXXX  , 2017 a p ayoff payment was made the my student loan account, in the amount of over {$5000.00}. I call Navient ( loan servicer ) to discuss this payoff, and request proof/copy of the payment, and a final letter stating that my loan was paid in full. When I called Navient on  XXXX   XXXX ,    2017, the y told me that the account looked over-paid, and that they would issue me a refund for that over payment. They also told me that they had NO information on what account the payment came from, nor the payee. Absolutely no record. They only knew the  XXXX   XXXX ,  2017 pay ment date and payment amount.   I called the company back a week later to check on the status of my request. They electronically mailed me a letter that said Congratulations, your loan is paid in full. They also mailed me a letter enclosing a copy of the {$5000.00} check they received for my loan.   Believing that my loan was paid in full, I was confused to get an email in  XXXX , stating that even though my loan showed a zero balance, that I should continue paying since interest or fees could be due.   I was more concerned on  XXXX   XXXX ,    2017 wh en I logged into my account to find that Navient had done the following : reversed the  XXXX   XXXX ,    2017 pa yment and BACK DATED that reversal as though it happened the same day it was made ; charged me interest and a late fee for the, " unpaid  XXXX  payment. '' I called Navient and the representative told me the payment was reversed and my loan was over due now. I referenced my paid-off-in-full letter. I referenced my payment history. The representative said a review team was researching what happened and would call me  XXXX   XXXX ,    2017. I  asked to speak with a manager and was put on hold for over  30 minu tes. When I finally spoke to a manager, she said that the payment was actually reversed on  XXXX   XXXX ,    2017, an d that the {$5000.00} payment was mistakenly made to my account then it should have gone somewhere else.
Consumer complaint received 2017-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (MO)

XXXX  These are not my accounts and I would like to remove them all thank you.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX   XXXX   XXXX   #  XXXX   XXXX   XXXX   XXXX   XXXX   #  XXXX
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

This is a direct reflection of me which was not done by me. I was not made aware of the fraud until my current bank advised me my account was closed again without warning due to reporting of fraud by ChexSyste ms &  XXXX . This is p reventing me from communicating with other financial institutions.I 've advised   XXXX   XXXX   XXXX   XXXX  this was done by an ex who had access to all of my information/devices. He also was aware of personal information & passwords. I also filed police reports after the   XXXX   XXXX    XXXX  account closing on him that were not directly related to this issue but the nature is the same. He has a history of doing this to women & I have proof dated prior to me being made aware of the fraud reporting. I told the representative I spoke with I am not interested of filing a new police report months after the fact but I do have reports which show him doing these same thing with my account at another financial institution. I told them I would rather proceed with the information I have since I am no longer involved with this person and filing another report would cause another arrest warrant. Personally I 've been through enough financially, mentally & physically and would like to have this resolved asap.   The investigation was opened  XXXX  with   XXXX   XXXX   XXXX   XXXX  and still has yet to be assigned to  an investigator. My account was not closed with a negative balance and it has been verified that none of the signatures on the mobile deposit checks match eatchother or my signature. I do n't understand what the hold up is. First I was told 14-21 days now I 'm being told 60 days and was hung up on today after requesting to speak with a manager. Whoe ver noted my account from the check fraud department dated today  XXXX  was very rude & gave me general information without taking the time to even look into my file. If she had she would not have mentioned the need to review bank surveillance since they were mobile deposits.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I believe I am a victim of deceptive practices performed by  XXXX ,   XXXX   XXXX     XXXX , and TransUnion. I am paying monthly fees to track my  Fico score  with  XXXX ,  XXXX , and Transunion. I have applied f or 3 loa ns and each time I was denied by the lender because of the scores reported to the lender by  XXXX ,   XXXX      XXXX   XXXX   XXXX , and Transunion.  XXXX  has consistently reported a much lower score to the lender than the score I purchase from them every month. I should be entitled to know exactly what  XXXX  is going to report to a lender before I apply for any loan. This way would save everyone time and embarrassment. Because of th e two different numbers presented ( one to me and a different number to the lender )    XXXX    has lied about providing me access to  my Fico scor e. I filed a complaint with   XXXX    and   XXXX   XXXX   XXXX   XXXX  in  XXXX  through the Illinois Attorney General  (   XXXX    reference  XXXX  ) a nd I got no results. I was denied a loan on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX , and  XXXX / XXXX / XXXX  based on information received from  XXXX  and     XXXX   XXXX   XXXX  . I was also denied a mortgage loan on  XXXX / XXXX / XXXX  based on information from TransUnion.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Good Day As of  XXXX   XXXX ,   XXXX   I have on numerous occasions contacted   XXXX    to dispute inaccurate information and/or accounts listed on my credit report. I specifically asked them to please investigate and validate the information that is being reporting in writing and to no avail I have not received a valid response from  XXXX  the only thing I received is a new credit report with the items updated as new and accurate. This information is invalid. I am asking for assistance with this matter as this information is causing me hardship. In addition to  XXXX  not responding or deleting this information they continue to add fraud alerts to my credit report which I have asked in writing to be taken off! I want any and all fraud alerts to be removed IMMEDIATELY! The accounts in question are as follows --  XXXX   XXXX  account #  XXXX  $  XXXX  ***unverified account --  XXXX   XXXX   XXXX   account  XXXX   XXXX  $  XXXX  unverified account --  XXXX   XXXX   XXXX   account  XXXX   XXXX  {$540.00} *************** unverified account --   XXXX   XXXX   XXXX   account  XXXX   XXXX  {$1400.00} **************unverified account --  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  account  XXXX   XXXX  {$0.00} unverified account They have ignored all my request to provide me with the documents that they have in their files that they used to verify the disputed above accounts. And according to Sect ion 611 ( 5 ) ( A ) of th e FCRA -- they are required to PROMPTLY DELETE all information which can not be verified! I would like my rights under the FCRA to be enforced! I demand these accounts to be verified or deleted IMMEDIATELY sincerely  XXXX   XXXX   XXXX
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My Student loan has been taken over by XXXX Department and they have been lying about everything. 
They never explained me about forbearance and they keep putting forbearance on my account by making false allegations that they explain me what forbearance is. 
They never explain me about Forbearance and also, they never explained me that my interest would be capitalized. 
They also, falsely reporting to credit bureau about my late payments because of which I have bad credit. 
When I asked them to send any letters or records, they asked me to get subpoenaed and they always talk in threatening way and told me that they will report to credit agencies. 
When I asked them to open an investigation, they never did, they asked me to get my lawyer every time I asked any clarifications. 
Once time I wanted to pay off their loan by taking another loan, but they refused to take my payments and then put Forbearance again, because they wanted to collect interest on my loan fraudulently. 
I need immediate help as I am feeling depressed because of their behaviors and my personal life being affected badly.