davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My consumer report shows identity theft-linked accounts I never approved. I recently informed you about this and now demand these accounts be blocked and removed from my report immediately. These false entries are causing me serious stress and misrepresent my credit. I'll take legal action if not fixed quickly. These fake items have prevented me from reaching key financial goals like buying a home and supporting my family.
Consumer complaint received 2016-12-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

In XX/XX/XXXX I got a mortgage through Wells Fargo Home Mortgage, it was an FHA loan, and paid on time every month. In XX/XX/XXXX I received a call from a XXXX XXXX, a loan XXXX for Wells Fargo, stating that because of my excellent payment history I have the opportunity to refinance my loan at a lower interest rate. My payment would not change by much, about {$20.00}, but the interest rate would go down almost XXXX %. Now my interest rate was not that high to begin with but I figured I would take advantage of it. XXXX did I know that they were taking advantage of me. XXXX XXXX XXXX failed to tell me was that in XX/XX/XXXX FHA changed their laws and the PMI would now remain on my loan for the life of the loan. Unlike my original loan in XX/XX/XXXX where my PMI would have come off of my loan after I have a certain amount of equity in the home. He NEVER informed me of this and I did not find out about it until I called in XXXX XXXX to see when the PMI would drop off and the man I spoke to said it wo n't because of this change in FHA laws in XX/XX/XXXX. I was in shock!! I would have NEVER refinanced this loan for not even a XXXX percent drop in my interest rate and no drop in my payment had I known that I would now have to pay the PMI for the life of the loan. That is an extra {$15000.00} in Wells Fargo 's pocket because they just happen to leave that information out when requesting I refinance. I have contacted the company and spoke to a XXXX who proceeded to tell me she understands my frustration but there is nothing she can do. I can not believe that they withheld such an important piece of information for a loan and proceed to tell me they can not do anything about it. I can see why they do n't want to do anything about it since they just screwed me out of an extra {$15000.00} for their pockets.
Consumer complaint received 2017-11-27
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX, AND EXPERIAN IS IN VIOLATION : 1. UNDER THE FAIR CREDIT REPORTING ACT, 15 U.S.C. 1681 ( G ) I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL OF THE DOCUMENTS THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILE CONCERNING THE ACCOUNTS THAT YOU ARE REPORTING IN MY CREDIT REPORT. 

2. IF YOU DO NOT HAVE ANY DOCUMENTATION IN YOUR FILES TO VERIFY THEACCURACY OF THESE DISPUTED ACCOUNT ( S ) THAN PLEASE DELETE IMMEDIATELY. AS REQUIRED UNDER FCRA 611 ( a ) ( 5 ) ( A ) ( i ). BY PUBLISHING THESE INACCURATE AND UNVERIFIED ITEMS ON MY CREDIT REPORT AND DISTRIBUTING THE TO 3RD PARTIES YOU ARE DAMAGING MY REPUTATION AND CREDIT WORTHINESS.
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (OK)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2017-11-27
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 (CT)

On XX/XX/XXXX someone used our Bank of America Visa card number to charge {$1000.00} for a body building XXXX drink supplement ( Grocery category ). Bank of America recognized this as fraud and quickly contacted us and issued us new cards and reversed that one charge. Shortly after that transaction there were two smaller charges that were also fraudulent/not done by us. Both were on XX/XX/XXXX with merchants that appear to have no online shopping presence. One of them was In Connecticut by the shore ( {$50.00} - XXXX - XXXX - but the " online '' store feature is not setup yet ) and one was in Florida ( {$30.00} - XXXX XXXX, XXXX, FL - no website ) so it looks like these were point of sale transactions. We contacted Bank of America to dispute these two charges as well, but the rude representative and her supervisor claimed at least one was done " with a chip '' so it had to be us. A reasonable person would conclude that since there was a fraud/stolen credit card number within that same week timeframe that it is indeed possible there might be more than one fraudulent charge, especially since two were done 1,200 miles apart on the same transaction day. 

We were in XXXX Connecticut on XX/XX/XXXX and in New Hampshire on XX/XX/XXXX with both of our cards so the Florida charge is obviously a fraud. The " facts '' were relayed to Bank of America and they were provided with a transaction receipt from another credit card company showing we purchased gasoline in New Hampshire on XX/XX/XXXX - faxed them documentation. This is the first time we have ever had a credit card company basically insinuate we were lying and made the charges. We both work for a state Judicial Department and are age XXXX with credit ratings of over 860 and will file a small claims case in court if necessary against Bank of America and will also contact the consumer advocate at a local TV station. I realize it 's only two small charges totaling {$80.00}, however Bank of America seems to have a lot of complaints from people in our situation so it 's a matter of principle. 

I placed another ( third ) call on XX/XX/XXXX and this representative was professional but still no resolution yet, hence this complaint.
Consumer complaint received 2015-12-01
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

I am Wells Fargo Customer Since XX/XX/XXXX and I always doing my banking with your bank. But today I had bad customer service experienceOn XX/XX/XXXX Monday around XXXX I went Wells Fargo Branch Located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( LAECHMONT VILLAGE ) get some foreign currency due to my travel for XXXX on XX/XX/XXXX when I enter your bank inside I asked XXXX ( assistant Manager Name tag on it ) I need get some foreign currency XXXX .He said unfortunately we are not issuing foreign currency after XXXX. I asked him is not possible and before I come I check with your customer service and they confirm you will able to get it done before XXXX.Afeter I saying that he went to asked counter and said for me I have {$300.00} worth of XXXX. So I said let me have that one at least. He refused to give me and he said this for tomorrow customers. After that {$700.00} I deposited via ATM machine and went home. 
he treated me very unprofessional. I feel like I been discriminates which against my race, color national origin .And also he not fully committed to providing your clients with service that is respectful and responsive. 
Please look in to this and please advise the above bank provides good customer service and it wont happened any other customers.
Consumer complaint received 2016-03-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (NC)

My daughter has XXXX student loans from Wells Fargo Education Financial Services in the amount of {$63000.00}. from her XXXX education. She spent three years getting her XXXX XXXX XXXX degree from XXXX University on full scholarship and graduated in XXXX XXXX. She is working and ready to start repaying the loans, however the payments are too high for the salary she makes. We have always planned to pay off the loans when she graduated with the equity in our real estate, which is currently on the market. I have requested Wells Fargo reduce the interest and extend the terms of the loan to a payment that she can effort until our real estate is sold. Wells Fargo reduced the interest less than 1 % and will not extend the terms that would reduce the payment. The first payment is due on XXXX XXXX, XXXX and if Wells Fargo will not extend the terms until the sale of our home is complete, she will not be able to make the first payment close to {$600.00}. Based on the salary she makes, the numbers just do n't work. I will attach the details in an attached letter sent to Wells Fargo Executive Customer Service Committee, but would appreciate any help the Consumer Financial Protection Bureau can provide my family. Thanks in advance for your consideration in this matter and I look forward to hearing from you soon. I really need your help!
Consumer complaint received 2016-04-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (IL)

I am in the process of applying for a home loan refinance with Chase bank and even though I have submitted all of the documents that they requested within two business days or less, I was informed that they needed more information. That was provided by the next business day however, I was then informed that I did n't submit all required documents within the 10 day limit and that I would have to pay an extra {$780.00} to keep my loan going. Now, I have submitted all additional documents and even though I still have 3 days remaining on my " rate lock '', they are telling me that I will have to pay for another extension to keep my loan going. 
All of the extra documentation was submitted as of last week and I was told last Thursday that my file was going to be reviewed on Friday. 
However, the reviewer did n't get to it on Friday because she had XXXX many files to do that day. I e-mailed asking why my file ca n't still be reviewed if I still have four days left until my " rate lock '' runs out and I 'm told that it they need an extension in order to finish my file and set up the closing. 
I have e-mailed the loan officer and the loan manager several times but ca n't get any other answer than that my file ca n't be finalized in the next 3 days before my " rate lock '' runs out and that they will need to extend the lock date at my expense. I have already been charged an extra {$780.00} ] to extend my rate lock due to Chase not being able to meet their own time frames and now they are trying to charge me again for another extension when I am in full compliance with their requests for information and they ca n't meet their own timeframes. I e-mailed the loan department manager and informed him that this is unacceptable and there is no reason that they ca n't review and finalize my file in the next three days that remain on my rate lock, especially since my file was set up to be reviewed last week. 
I have not ever once heard any response from this department manager on any of the e-mails that I have sent him or copied him on and still have no reason why I need to pay for an extension when there are still 3 days left on my rate lock. 
I 'm very disappointed, frustrated and angry with this whole application process and do n't see any reason that I should have to pay yet another penalty to Chase when I have been in complete compliance with all of their requests, etc. 
I really believe that my loan application with Chase is being mishandled and that I 'm being fraudulently charged for penalties that are not due to my timely response to their requests but to Chase 's inability and even refusal to act within their own timeframes. 
I do n't know what else to do. I want this loan but I really feel that I 'm being ripped off here. I did agree, reluctantly to the first penalty. However, I just ca n't give Chase another almost {$1000.00} when they still have 3 days to finish my loan and are refusing to do so. 
I really need someone 's help here. 
PLEASE HELP!
Consumer complaint received 2015-11-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Alliant Capital Management LLC (IL)

AALIANT WAS BEING SUED BY XXXX FOR UNLAWFUL HARD INQUIRY! THE CASE WAS DISMISSED, BUT STEP OVER THE LINE AGAIN BY CALLING MY WIFES CELL PHONE ( XXXX ) XXXX AND XXXX WORK NO. ( XXXX ) XXXX IN VIOLATION OF TCPA AND FDCPA.
Consumer complaint received 2015-09-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (PA)

I attended XXXX University in XXXX, PA. 

I am filing this complaint with the XXXX as well as Wells Fargo in hopes that something will be done about this process before legal action is taken. I am currently making the minimum monthly payments on my student loans which I consolidated with Wells Fargo in hopes that I would get a lower interest rate and/ or payment. 
My payment is {$320.00} per month, and while this may be affordable to some people, I only make {$35000.00} a year. I ca n't afford to pay for this loan payment on top of all of my other bills, utilities and student loan payments. 
I tried to get forbearance for my loans at the beginning of the year. I called and asked to have the forms sent to me in XXXX. I waited 2 weeks, and nothing was sent. I called again in XXXX. Again I waited, and nothing was sent, I called again, and finally received the forms in the mail. I was told that if I was granted the forbearance, then the past due balance on my loans would be " reset, '' and I would not have to worry about it. 
Because of this, I allowed the past due balance, and late fees to accrue. The process for my student loan review took more than 2 months, and I was eventually told that my request was denied. I was devastated because my credit score had taken a major hit due to these loans, and I was in the process of getting reviewed for a home equity loan. 
Because of the bad information that I was given by Wells Fargo, my credit score is extremely low because I can not afford to pay the past due payment, my home equity loan was denied, and I am forced to continue to accrue late fees, and penalties. 
I hope that your representatives will be more honest with the process in the future, and I also hope that you will make the process shorter for payees who need payment assistance. 
I have made every reasonable effort to resolve this issue, but Wellso Fargo will not accommodate any of my requests.
Consumer complaint received 2016-10-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Bank violated our Constitutional Rights , Consumer Rights , Civil Rights , Economic Rights, as well as our very own Human Rights. 

We were going through financial hardship, we requested a refinance. The refinance would have solved our entire financial hardship, as we paid our loans down by making additional payments, the interest rate was low as well as the loan to value ratio was perfect. Instead, Wells Fargo Bank gave us hard time, did not apply payments as The Courts ordered Wells Fargo to pay the expenses and apply the rents toward our promissory notes, Wells Fargo referred all the tenants back to us for repair, maintenance and all aspects of management issues. 

Yesterday, I received an invoice from XXXX requesting a payment. Please see attached Invoice along with an e-mail from XXXX XXXX. Wells Fargo Bank is hoping to deceive us again, in paying those expenses as they have deceived us in the past, and led us to believe that by us paying the expenses, we will obtain a clear title in our names for our properties in a very short time. Therefore, we borrowed hundreds of thousands of dollars to pay for those expenses, to discover later on, that Wells Fargo Bank sold our notes to a client of a tenant in the Wells Fargo Bank Building. Also please see attached COURT ORDER directing Wells Fargo to pay the expenses and apply our monies to our promissory notes which Wells Fargo have violated and did not even apply our monies to the SBA note. 

Also please see attached supporting documents of some of the expenses paid on behalf of Wells Fargo as well as documents supporting our effort to get alternative financing, paying for title search, closing cost, etc. Whereas Wells Fargo Bank/loan servicer did not provide us with an accurate loan balances. Instead the loan servicer provided us with inflated figures that exceeded the loans by XXXX dollars without applying our credits. I have also attached a copy of some of the rent Wells Fargo admitted to collecting. Please note that there is much more rent was collected by Wells Fargo. 

Now in our XXXX, after we put all what we have earned to pay down our obligations, to secure future for our family ; Wells Fargo Bank robbed us of life itself, robbed us of everything we earned, robbed our investments and continue to robbing us of the dividends on our investments, an ongoing crime that need to be stopped, by Wells Fargo returning all our properties back to us, with free and with clear title.
Consumer complaint received 2017-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I am enrolled in the Public Service Loan Forgiveness program and have been since 2011. However, despite making many, many payments under this plan under the required criteria set forth, XXXX XXXX will NOT count my payments toward the plan and despite doing all that is required of me, is claiming that I 've only made 16 payments toward the plan, leaving me with 104 more payments. When I ask them for paperwork they wo n't provide it. What they have provided proves that I 've made more payments ( all of which have been a struggle to make ) and when I point this out to them their customer service representative tell me it 's on me to prove it, and that I need to write a letter proving why I 'm right and they are wrong. They have made absolutely no attempt to correct their wrong. In addition, there has been several times when they have charged me mystery fees that are simply unexplainable. 

The final straw for me is that after making another two years worth of payments, I just received a notice from them stating I 've only made 16 qualifying payments. Again, they provide no explanation. I 've stayed in public service because of this program and it 's ended up being a total disaster thanks to XXXX XXXX. 

This situation, being just one customer up against the machine of the Federal Government, is extremely overwhelming and defeating. I do n't know where else to go or what to do. I know I ca n't be the only one ... .I read that the State of Massachusetts is filing a lawsuit against XXXX for the exact same problem I 'm having. 

Please, please help me. This is so wrong and I need help fighting this terribly corrupt company.
Consumer complaint received 2015-07-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AZ)

Our mortgage lender Wells Fargo has refused to work with us regarding modifying or refinancing our mortgage. We recently sent in a request for either a loan modification, refinance, or a principal reduction due to the fact that my husband has taken a pay cut with his company in order to retain his job and we wanted to take advantage of the all time low interest rates for a lower payment and not have a interest only payment but include some principal so it is getting paid down. We have been denied at every step with Wells Fargo and it has taken from XXXX to XXXX to get a refusal. Wells Fargo did completed a temporary loan modification with us on XX/XX/XXXX with a interest only loan for XXXX years and a lower interest rate but it steps up the interest rate each year until XX/XX/XXXX where the interest rate will cap at XXXX, then will re-adjust the payment to include principal and interest. We also have a balloon payment due of {$26000.00}, that was added to the mortgage for attorney fees, late fees, and other fees by Wells Fargo because of the modification and we are not quite sure when that balloon payment is due. We now currently owe {$520000.00} on our mortgage. They did lower the interest rate to reduce the payment but we think we are worse off now then before. The recent appraisal that Wells Fargo completed in XX/XX/XXXX the house appraised for {$440000.00}. We have contacted the XXXX XXXX Financial Counselor ) to help with trying to get Wells Fargo to work with us but they have not been able to achieve any results either. We have contacted other lenders to see if we could get our mortgage refinanced but because we are underwater they can not work with us. 
The reason Wells Fargo states that they can not do anything with out loan is because they only service the loan and can not contractual make any changes to it. The loan is owned by XXXX Bank and research shows that it belongs to Wells Fargo Bank.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXXXXXX -BALANCE {$9100.00} - DATE XXXX Account Name : XXXX XXXX XXXXXXXX -BALANCE {$48000.00} - DATE XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX -BALANCE {$3400.00} - DATE XXXX Account Name : XXXX XXXX XXXX XXXX XXXX$3400.00} - DATE XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX -BALANCE {$4800.00} - DATE OPENED : XX/XX/XXXX Account Name : XXXX XXXX # XXXX -BALANCE {$1300.00} - DATE OPENED : XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-07-29
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. (CA)

I submitted a dispute to Trans Union requesting the deletion of XXXX tax liens on my Trans Union Credit Report. On X/XX/17 I received a notice from Trans Union that they have confirmed the tax liens as verified and would not be deleting from my report.
The liens in question do not have all the necessary data verification points as now required by the National Consumer Assistance Program as it does not have my DOB and the SS # is incomplete. These should be removed immediately.