davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

One XX/XX/2017 I deposited a check from XXXX XXXX. At that time I was told the funds would be available in two days and they would release XXXX upon deposit by a lady name XXXX. However, when the funds were not available, I then went back to the bank and was told by XXXX there would be a ten day hold as suspected fraud. I asked for the check back so I could have XXXX XXXX wire the money they said it was too late. XXXX then informed me they could not give it back because it was sent to the Federal Reserve for Investigation and they automatically keep them for 10 days. I contacted the Federal Reserve, they told me this information was not true and advised me to contact you. Prior to contacting you, I called once more, spoke with XXXX and she also confirmed to me the check was sent to the Federal Reserve for suspected fraud that the check was not XXXX XXXX 's. ( I am sure the recordings will reflect my truth in this ) I informed her I was told by the Federal Reserve that was not correct the Federal Reserve does not do that. I told her XXXX XXXX offered to verify the check was theirs and she said they do n't call and verify nor do they accept phone calls. I told her XXXX XXXX offered to wire the money, they said that could not happen. I asked then if it takes at most 3 days most for the money to be put in the account why would they even consider holding it ten days? If it 's subitted to XXXX XXXX, they put the money in the account, it is obvious NOT fraud, so why hold it ten days? Why on top of that require after the funds are put in account, why require Proof of Payment? Sounds like a lot being done to hold on to a check. She said that was the guidelines set by you. There is no fraud, which is obvious, I know there is n't. XXXX XXXX has tried to help resolve this. I have NEVER had fraud nor committed fraud on my account. What is sounds like is they just want to hold the money for as long as they can to draw interest, if you think about it, if they do this to 5 % of their customers daily it can add up. This is not right, I do n't even have money to buy groceries right now or put gas in my vehicle. I am not rich, I live pay check to pay check. They are also requiring even if money released for XXXX XXXX to issue a proof the payment was taken from their account and said even when they do that it takes 48 hours. They did not tell me this when I deposited it on XX/XX/XXXX either. I know this all sounds so unbelievable you have to think there must be some sort of fraud or I have to be a bad person but there is no fraud and I am not a bad person. I have had an account with them, I did not use it much as I was laid off when my company closed but I have finally went back to work.
Consumer complaint received 2023-07-07
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: Grain Technology, Inc. (PA)

I reached out to Grain Technology via email and they have not responded into updating my report to correct the incorrect reporting status on my credit reports. My grain account is paid and full. I paid the full balance of {$82000.00} on XX/XX/2023, I have tried contacting this company and they never respond or when they do its weeks later. They still have not updated my reports showing account paid in full. I would very much like to get this resolved as quickly as possible as I have been experiencing XXXX  XXXX  since trying to contact this company. And in there statement email it says they promise to get a response to you in 2 business days its been almost 30 days
Consumer complaint received 2017-08-31
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: Experian Information Solutions Inc. (FL)

I have requested Experian, on numerous occasions, to update and correct my credit report. Experian has refused to further investigate my dispute after I have provided supporting documentation. Additionally, no source of verification has been provided. 

I received a reference number from XXXX XXXX # XXXX XXXX that my information has been updated with correct information. I spoke with Account Manager XXXX XXXX on XXXX XXXX 2017. He can be reached at XXXX.
Consumer complaint received 2017-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (MO)

On XXXX XXXX, 2017 my wife and I went to the US Bank location on XXXX XXXX in XXXX XXXX, MO to move money from our checking account to a new CD. The bank representative would not do so unless we answered several questions to update our profile, including a question on income. In today 's environment of identity theft, we do not want any personal information exposed unnecessarily. I called US Bank 's XXXX XXXX number, and a banker there confirmed the bank 's position. We checked with another bank with which we have an account, and they confirmed that they do not require this information. It seems this is more for US Bank to market their products rather to be customer-focused. Had we applied for a credit product, we could understand the need for the information. However, this should not be required to move our own money.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/year> I disputed seven transactions. Four of them were on XX/XX/year> for {$200.00}. One was {$200.00} on XX/XX/year>. Two were for {$61.00} and {$10.00} on XX/XX/year>. These transactions were conducted using an unauthorized mailed new debit card in my name and with my SSN. 

I received provisional credit for the reported fraudulent transactions on XX/XX/year>. Ally dispute team decided to rescind provisional credit on XX/XX/year> and in XXXX notified me that they decided that without a police report or further evidence or a police report, the fraudulent transactions were declared valid transactions. 

I called Ally in XXXX for further information on reevaluation of case for transaction dispute, customer service rep notified me to submit police report for further review. I filed police report on XX/XX/XXXX. Police Report was approved on XX/XX/XXXX with XXXX Police, and I submitted to Ally with help of customer service representative. 

On XX/XX/XXXX, I called to check in on review of my police report. Customer service rep from transaction dispute team tells me that customer service rep was dishonest and that I could not submit a police report for a new review of transaction. On XX/XX/XXXX, Ally closes my account due to negative balance and refuses to review submitted police report. Account was in negative for one month since XX/XX/XXXX. I refused to keep balance at XXXX as account was in negative as a result of fraudulent activity.
Consumer complaint received 2017-07-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

On Wednesday, XXXX/XXXX/XXXX, I sent documents to support my request to delay foreclosure on my home due to a contract that I have with a buyer. In a letter attached to the request, It was explained that I had a first buyer whose toward the end of the process, to no faught of my own, was denied funding ( after more than a month ). She was highly Prequalifed in XX/XX/XXXX. Pre qualification and denial letters were attached. All the documentation regarding this signed signed was faxed to Wells Fargo Home Mortage XX/XX/XXXX. On XXXX/XXXX/XXXX, I followed up with the company. I was informed that the request was denied because I had one previous request approved due to this being the same or similar request. I protested because was not the same buyer, and that the buyer wants to close on XX/XX/XXXX. I requested atleast one more month to close. The agent only reiterated that it was denied. Thus, I asked speak with a supervisor. I then spoke with Team Lead, XXXX XXXX XXXX. He was very helpful and spoke with the Postponement Department After speaking with them, he said they requested another letter from the buyer 's lender stating final approval. This sounded logical, but I believe they were practicing delay tactics. On Friday, XXXX/XXXX/XXXX, I spoke with XXXX XXXX again after faxing the final approval letter. I followed up with him about an 1 1/2 hours to see if he received the letter. He informed me that had sent it to the Postponement Department. He said it would be an hour or so. But, he never followed up with me. So, I called back to speak with him about XXXX XXXX on XXXX/XXXX/XXXX. I was told he had finished his shift. Thus, I called back to speak with him about XXXX XXXX on Monday, XXXX/XXXX/XXXX. I was again told that he would be about XXXX XXXX XXXX XXXX of California time. The agent handling the call was rude and was very unhelpful. Therefore, I asked to speak with a supervisor who told me she had reached out to XXXX XXXX. She said he told her he was coming in about 15 Minuets. I asked that she inform him to call me. After waiting about 30 minuets, I called to speak with XXXX XXXX. After waiting on hold for several mins. After filing two other complaints, I 've Noted similar delay tactics that I 've experienced with the company before. After being injured on the job on XX/XX/XXXX and losing my job soon after, I was unable to keep up with my mortgage payments. The company failed to fully work with me soon after. Finally, I currently have a contract to sell my home on traditional sell with a XXXX/XXXX/XXXX closing date. As an elderly homeowner at 60 I believe that these tactics ( asking for other documents, people not being available, calls not returned, the Postponement Department refusal to look for my files, etc ) are abusive. I had to hire an Attorney and pay {$2500.00} to stop foreclosure. I only request a 30 day delay. I should 've had to pay anyone when I did n't have extra money to do so. This company is very customer unfriendly to its clients and seems uncaring.
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

My FICO dropped on my two XXXX cards. Called both card customer service # s and was told they did not have that information. One said Equifax was the reason. I called Equifax customer number and spent 30 to 40 minutes trying to get information on my report. Never got any answers just a parade of questions indicating they didn't have any information. This company made me feel that I had ingaged in mission impossible. Was is it so difficult for that actual customer to get this information XX/XX/19
Consumer complaint received 2024-10-25
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 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
Consumer complaint received 2017-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I have already addressed XXXX 's incompetence and illegal reporting of a a student loan account that was discharged in my Bankruptcy in 2010 and had it removed once. Now it is back XXXX up my credit again reporting a balance and lates month after month and needs to be deleted ASAP!!! Attached is a screenshot of the illegal reporting and the page from my BK clearly showing it was included and discharged.
Consumer complaint received 2017-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

The parties entered into a HAMP permanent loan modification agreement onXX/XX/XXXX, which expressly provided that the modified principal balance included all amounts, including escrows, that were past due. The loan documents confirm that any past due real estate taxes would be added to the mortgage loan balance. For reasons the servicer refuses to explain, theXX/XX/XXXX real estate taxes where not paid until XX/XX/XXXX The servicers untimely payment of the real estate taxes breached the terms of the loan modification agreement which required that all past due amounts be capitalized. This also caused an escrow shortage which caused my mortgage payment to rise to an unaffordable level. <P/>In an attempt to resolve this matter, the parties have engaged in extensive written correspondence as follows XX/XX/XXXX ( borrower )XX/XX/XXXX ( lender ) XX/XX/XXXX ( borrower ) XX/XX/XXXX ( lender )XX/XX/XXXX ( borrower ) XX/XX/XXXX ( lender ) XX/XX/XXXX ( borrower ) XX/XX/XXXX ( lender ) XX/XX/XXXX( borrower ) A copy of the correspondence is being uploaded.
Consumer complaint received 2017-07-01
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. (MD)

Incorrect and or inconsistent information across All three Credit Bureaus Identification of the specific information being disputed XXXX, Experian and XXXX reporting Acct Number XXXX Basis for the dispute : XXXX Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History XXXX 2016 Unknown XXXX 2016 Unknown XXXX 2016 30 days late XXXX 2016 Unknown XXXX 2016 Unknown XX/XX/XXXX 30 Days Late XX/XX/XXXXCollection/ Charge off Remarks : Charged off account Credit Card Creditor Information : NONE XXXX Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History : No payment History Reported Remarks : Charged off as bad debt | Account information disputed by consumer, meets FCRA requirements Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Experian Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History : XXXX 2016 OK XXXX 2016 OK XXXX 2016 30 days late XXXX 2016 OK XXXX 2016 OK XX/XX/XXXX 30 Days Late XX/XX/XXXX Collection/ Charge off Remarks : Customer Disputed account- reported. |Unpaid Balance reported as a loss by the credit grantor Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone # XXXX
Consumer complaint received 2023-10-25
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. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2017-07-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates hired XXXX, XXXX, XXXX XXXX, XXXX to sue me for an alleged debt in the amount of {$1100.00}. They never served me and obtained a default judgement against me to garnish my wages. I have asked PRA & their law firm to drop the suit because they never served me with the lawsuit or provided me with any viable evidence, bearing my signature. They have yet to cooperate with me.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 

Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be incorrect.
Consumer complaint received 2017-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

This bank is being run by ignorant XXXX. Not only they are XXXX XXXX XXXX, they lie to the customers on top of that. I called this lousy bank in XX/XX/XXXX to inquire about the XXXX form as I had received an account opening bonus from this bank last year and as per their own terms and conditions, it was supposed to be considered interest and I was supposed to be issued an XXXX form for that. I mentioned all of that to these XXXX but they lied to me and said there was no XXXX form issued for me. <P/>And guess what, after the tax filing deadline, these XXXX mailed me a XXXX form along with a letter which basically said that the are sorry that they do n't know how to run a bank. The letter said that they will reimburse me for the costs for refilling the taxes. and I need to call XXXX XXXX XXXX for assistance. <P/>And here is the fun fact. I have called that number numerous times to get so called " assistance '' and here are the various outcomes.. <P/>Whenever I call that number, these XXXX XXXX XXXX still insist that I was not issued a XXXX form for XX/XX/XXXX even though I have a physical copy of that and their so called " apology '' letter in my hand. It takes me at least an hour to convince these XXXX that they infact issued a XXXX after the tax filing deadline. So even though they apologized to me for sending me the XXXX late, they still insist that it does not exist Whenever I ask for a supervisor, the standard answer is that no one is available. Some supervisor will call you back soon and that never happens. <P/>Only once I was able to get a supervisor and he too insisted that there was no XXXX and after I spend more than an hour explaining to him that there was, he promised he will call me back on how I can get reimbursed. And guess what, that was about 2 months back, I am still waiting for that callback. <P/>How can you let these bunch of XXXX run a bank in US? Is n't it a crime for a bank to lie to customers about tax related issues. And even though their so called " Head of Customer Experience '' send me a so called apology letter, they still keep insisting that their is no XXXX forget about reimbursing me for having to re do my federal tax returns and returns for 2 states. <P/>Please shut down this piece of XXXX bank. And keep this complaint on their public profile.
Consumer complaint received 2024-10-26
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MD)

I obtained a loan through XXXX XXXX in XXXX. I attended the program and finished. After 6 months I make payments. Since the program is a scam and only 30 % of people who finish actually get employment I was hard on finding work. From XXXX to XXXX I asked a few times about reducing payments or getting deferment. I was always told that it was not possible. I paid {$210.00} a month usually for the {$21000.00} loan. So my parents who cosigned paid. I later in XXXX was married and we made a mistake on our lease. Due to cost we told them we could not pay, by this time it was a Navient controlled loan. I again had to force my parents to pay. <P/>As of right now my wife and I are filing for bankruptcy. I can not begin to tell you how incredibly angry it makes me that no company with refinance or consolidate my loan through them. I can not even obtain the public servant forgiveness benefit, being a career XXXX due to how the loan is labelled. It is ridiculous these banks are allowed to have more rights than a human. They manipulate and hide behind that title iv law to get money and saddle the poor or those in need with crushing debt. <P/>I am filing bankruptcy to protect my house and vehicle since my wife and I have borrowed too much since we were paying all the extra {$600.00} a month, between her {$270.00} and my {$210.00} payments, to pay the loans but we can not even get rid of them now because they are private loans that are protected by educational benefits. Neither of us obtained jobs related the certificates we received. It sickens me and makes me extra disappointed that my child will one day have to endure these confusing and troubling tricks lenders use to prey on the young and misinformed. <P/>I have made every honest attempt in my life to pay this loan and the balance is still sitting at {$19000.00}. I think that given my employment and access to a forgiveness option PLUS the fact I am filing bankruptcy I should have some way to remove this debt. Its a private loan. Period. A private PERSONAL loan. They will not allow me to remove my parents as cosigners. I can not get income based repayment since I make decent money and they never ask anyway. I never get forbearance as a way to catch up and actually save so that I can not borrow for emergencies.