davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Supplemental complaint, re # XXXX. 
XXXX County Recorder 's website shows NO recording of Trustee 's Deed for my property located at XXXX XXXX XXXX, XXXX CA XXXX. The Property is still in my name. 
As told before to CFPB, in my complaint XXXX - the buyer / investor who purchased the property at auction through XXXX on XX/XX/XXXX did not post the Notice of Sale giving me 72 houses to remove my belongings. My belongings were removed by a crew on XX/XX/XXXX using a dump truck. I saw the crew on the property. 

My previous complaint to CFPB demanded XXXX dollars for the illegal seizure of my belongings, failure to post the Notice of Sale giving me 72 hours, and failure to provide me with a list of my belongings that were taken. 

Since the County Recorder website does not show a Trustee 's Deed, BUT only a Notice of Trustee 's Sale - Document Number : XXXX Number of Pages : XXXX Recording Date : XX/XX/2016 Cost to Buy : {$7.00} Add {$1.00} for certified copy : Buy Now Document Type : NOTICE TRUSTEES SALE ALTER CHARITO XXXX XXXX The utter and continuing failure by Wells Fargo to complete the paperwork, means that I am considered by the County to still be the owner of the property. If so, I have grounds to claim that Wells Fargo or its cohorts are responsible for trespassing and illegally removing my personal belongings.
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/XXXX I obtained a copy of my credit report from Transunion and noticed that Transunion has allowed a company named XXXX XXXX XXXX to reinsert a debt that was previously deleted from another collection company due to fraud. What is happening is that the credit bureaus keeps allowing whatever collection company purchases this account to add it back to my report because once I fight for my rights through the CFPB and the debt is removed. Every few months another company buys the debt which now its ( XXXX XXXX XXXX ) reinserts it changes the dates and amounts and list it negatively on my report again. Most recently they have not payment history for the last 2 years but have the debt listed as being open in XX/XX/XXXX and a balance of XXXX as of XX/XX/XXXX. This is NOT true and a total lie in an attempt to ruin my credit. I have NEVER received any correspondence from XXXX XXXX XXXX and want this removed from my report asap! This is against the law. They have violated the FCRA Section 623 ( a ) ( 3 ) and FDCPA Section 807 ( 8 ).
Consumer complaint received 2017-03-06
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I have contacted the lender and asked to refinance my high interest rate personal loan. The loan has been paid timely and is not delinquent. I have had a change in income and my husband is now unemployed. The lender refused to renegotiate terms with me including a lower interest rate so that I can remain current on the loan.
Consumer complaint received 2016-05-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

Ok well i have complaint on file against Wells Fargo home mortgage, this update is an addition to what has been updated. We hired XXXX XXXX to represent us and submit for approval of modification. All our income documents are in place and were submitted properly. Apparently now Wells Fargo is lying about our actual monthly income.. They are lying and just denied us for income.. They are criminals they changed our monthly income on their own they have no right to state we make less than we do monthly!! They denied us a modification, It was denied under fraudulent changes that they decided to do., Our income qualifies us!! Our attorney just put appeal with them!!! Wells Fargo deserves to be shut down!! how dare they lie and change our monthly income.. I believe they have complete idiots there that do not comprehend how to figure income since ours is from more then one source. Our attorney even submitted with the breakdown of our monthly incoome!! Someone must stop them from lying and trying to decline us once again!! this must be brought to the media! I reported this situation to congress and other agencies! who will get this horrific company to stop trying to lie to foreclose on us?????
Consumer complaint received 2016-04-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY (NV)

My Bluebird card that i used for bill pay was compromised and in the end result bluebird closed my account and denied my claim. I went to XXXX and loaded XXXX bucks on my card i quickly realized the XXXX i forgot to keep for gas. I went to stand back in line and the cashier pointed me towards the atm where i then withdrew the XXXX dollars. While at the gas station in an attempt to buy a water bottle i realized my card was missing so i went back to XXXX to find my card and was told the ATM must 've eaten it up. i then left got home and called bluebird while on the phone with the bluebired rep i explained that i lost my card and that i needed a replacement sent out the rep went ahead with my request and in the middle of conversing told me my card had a balance of XXXX dollars left. I told her that must be wrong she then let me know that the transaction had just occurred while we were on the phone and that it was a XXXX withdrawal, she asked before sending me over to the fraud department if anyone had access to my pin i told her that since bluebird is the only card i have that would n't let me use the last XXXX of my social for my pin i had written it on the back of my card. The rep then encouraged me to file a claim on the transaction as i was crying trying to figure out what to do. I filed the claim with the rep and was send a declaration of fraud to complete. i completed it sent it back waited XXXX weeks calling and checking on the status of the claim on XXXX/XXXX/2016 a rep by the name of XXXX told me the money would be in my account on XXXX/XXXX/2016. When i woke up this morning i got XXXX emails from bluebird XXXX stating that the dispute was declined the other stating that my account was closed with funds in them. When i called to try and find a resolution i was given the cold shoulder and told that there decision was written in stone and final i tried and tried to explain with no success. When i asked them why they could not give me a reason as to why they decided to deny me and then close my account. When i asked for the account number they told me they could not provide it. I took out a payday loan to pay my bills because i was told i would be credited today but instead i woke up to a nightmare.
Consumer complaint received 2017-01-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My issue is with TransUnion. Here is my issue with transunion. They have incorrect information on my report. In accordance with the FCRA guidelines, any information that is incorrect or not mine should not be on my report period. Any information that has not been verified by the creditor, meaning signed documents from the supposed original creditor with my signature verifying that I applied for credit and I am aware of that account, documentation that has come to me in writing, means verified according to the FCRA, not verified through a system electronically. I have disputed this information numerous times. Transunion has not gotten back with me in the required timeframe or they continue to keep incorrect information on my report with no means of verification other than electronically verifying it. They called me back after I left a message with the " Priority Department '' but the representative " XXXX '' did n't leave a number where I could reach her at. Only a fax number that keeps failing. That tells me that they do n't care about reaching customers that they are putting fraudulent information on their reports. Should we mention that they just settled a lawsuit for incorrect credit scores because of incorrect reporting. They have inquiries on my credit that do not belong to me, nor can they prove that they belong to me. According to that alone, I have grounds for my lawsuit. I have attached what I have sent them in the mail. I am sure they have received notification of my lawsuit. Instead of having to pay me, all they have to do is remove the incorrect items off of my report. They have n't and it seems that they do n't intend to. It is illegal to deny me a proper investigation. None of the supposed creditors have provided any proof nor responded. Meaning the items should be removed off. Not to mention that TransUnion reinserted XXXX XXXX XXXX onto my report after removing it last year and that is illegal. I have proof of that as well that i will be attaching to this email. TransUnion is in Hot water. TransUnion removed XXXX XXXX XXXX from my report on XXXX/XXXX/2016. They added it back on there and then removed it again on XXXX/XXXX/2016. It is illegal to reinsert previously deleted information off of a report. Yet they deny that they have correct information on there. Screenshots are attached. The letter that was sent to them is attached with the exception of the notary. The XXXX in the mail is notarized though, so they can not use a stall tactic.
Consumer complaint received 2016-01-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

have written XXXX letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Transunion Account Name : XXXX XXXX Account Number : XXXX XXXX Bureau : Transunion Account Name : XXXX Account Number : XXXX Bureau : Transunion Account Name : XXXX XXXX Account Number : XXXX Bureau : Transunion Account Name : XXXX XXXX Account Number : XXXX Bureau : Tarnsunion Account Name : XXXX XXXX Account Number : XXXX Bureau XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AZ)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX Miscellaneous and public record XX/XX/scrub>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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2015-06-07
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Home Mortgage sold my home loan without disclosing that they were selling it as required by California State Law. In addition, I missed a payment several years ago that I could have made if I Wells Fargo had informed me I could use my impound account to make that payment. They intentionally kept that information from me in an attempt to foreclose on my house because I had a large amount of equity established in the property. I met with them at a loan modification meeting arranged by them some time later, and asked them to take the XXXX payment I missed and put it on the back of my loan. They refused my request for a loan modification by stating that I was not eligible for that process. They charged me for an appraisal however that they never told me they were ordering and added the charge at the close of my escrow in XXXX. 

At the close of my escrow recently, Wells Fargo collected XXXX for alleged late payment fees, but refunded the money a few weeks after close of escrow. They explained in a letter that they had collected the late fees in violation of California State Law and were refunding the money with their apologies. 

With those fees refunded I was never charged a late fee by Wells Fargo during the entire duration of my mortgage. When I applied for a mortgage to purchased a new house, I was informed that Wells Fargo is reporting XXXX " thirty date late '' payments on my previous mortgage with them. That reporting has destroyed my credit score, and is preventing me from obtaining a mortgage now. 

So Wells Fargo intentionally withheld information that would have prevented me from missing the XXXX payment I missed in the XXXX years I had a mortgage with them. They refused to help by modifying my loan. They sold my loan without advising me, which violated state law. Then they report XXXX " XXXX day late '' payments on my mortgage when they never charged me a late fee. When I ask them to correct their reporting they refuse and added a statement to the reporting which further damages my credit score. 

This is the worst example of Banking Industry misconduct that I have ever seen. Wells Fargo did whatever it wanted to do without regard for law or human decency. They started off by trying to steal my house, and when that did n't work they punished me by trying to ruin my life.
Consumer complaint received 2015-04-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TCF NATIONAL BANK (WA)

Had a privacy issue when applying for a vehicle loan through XXXX ( TCF Bank ). I got a call from the funding specialist because apparently they did not get all of the necessary information from the vehicle dealership. I was asked many questions over the phone, many of which were on other parts of the application. I was okay with this. However, there was a document missing that required my signature and my driver 's license was too dark so they needed another copy. I was emailed the document that needed to be filled out and signed. All good so far. Now comes the issue. They do not use secure email and for convenience sake, they allow a text to their manager to send the documents in. I was n't happy with either choice, so I sent it in by text because I did not have scan capability readily available. I sent a picture of the completed documents to the finance institution along with a copy of my driver 's license. Got a text back minutes later saying, wrong number. This upset me. 

I called the finance specialist back, and after a little research, he figured out he gave me the wrong number. I just sent a credit application with my SSN, DOB, employer, income, a copy of my driver 's license, and all the information needed for credit fraud. A finance institution did this to me. This upsets me greatly and according to the finance institution, there is nothing they can do but call the individual back that I sent my information to and ask him to delete it. This makes me feel so much more safe. I just put my information out to be used or sold to a complete stranger.
Consumer complaint received 2017-02-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On or around XX/XX/XXXX, I directly disputed collection accounts ( XXXX and XXXX ) with the TransUnion, as the respective collection agencies did not validate the debt pursuant to my request and federal laws. Allegedly, TransUnion conducted an investigation and determined that the accounts were mine. On or around XX/XX/XXXX, I requested that XXXX provide me with the method in which they verified each account. To date, XXXX has not provided me with their method of verification. In fact, TransUnion provided me with a form letter response blatantly disregarding my concerns.
Consumer complaint received 2016-05-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Why do you ( WELLS FARGO ) keep making it so hard to pay my mortgage? You imposed fees if I pay by phone. You wo n't let me link my WELLS FARGO checking or savings account to this account. You changed the account prefix and did n't tell anyone. Then you claimed no prefix was needed. Each time I go to a branch to pay my mortgage, your employees have a very difficult time finding the mortgage account even if I bring the statement in. SOMETIMES THEY CAN NOT EVEN FIND THIS MORTGAGE ACCOUNT. THIS IS AN ABSURD WAY OF DOING BUSINESS! AND WHY DO YOU REFUSE TO REPLY?
Consumer complaint received 2016-07-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (FL)

I am XXXX. I submitted an application to which they acknowledge my circumstances. Their solution is that I transfer the loan to my cosigner. Additionally, they have stated that the loan is in the name of my cosigner, without me or my cosigner having agreed to this action. Now despite us making payments that we can not afford, they are constantly calling to harass with robocalls.
Consumer complaint received 2016-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CA)

SEVERAL ADDRESSES SHOW ON MY REPORT BUT ONE OF THEM IS NOT MINE. I HAVE NEVER LIVED ON " XXXX XXXX XXXX XXXX, XXXX, IL XXXX '' THIS ADDRESS NEEDS TO BE REMOVED. PLEASE INVERSTIGATE AND REMOVE ACCORDINGLY
Consumer complaint received 2017-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I 've submitted request for modification with financials to Bank Of America Since XXXX 2016 several times. My husband had XXXX XXXX and we got behind on all of our bills, while he was off from work for 6 months. Bank Of America has given us the run a round. We want to keep our house.
Consumer complaint received 2016-03-30
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

I made consistent payments to Navient for a year, then they raised the payment. After asking to continue at the affordable payments, they refused. I could n't understand why they would n't want consistent lower payments but sent my accounts to a collection law firm. Now I am getting calls from them every 10 minutes.
Consumer complaint received 2015-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

Experian is showing a judgment from XXXX that should have never been reported on my credit report This judgement was investigated by XXXX and XXXX through you and was deleted and should have been taken off experian also.I have proof that I was exempt from paying this judgment from the courts there for should have never been reported on my credit This was judgment was filed in XXXX but was n't reported until XXXX. I would like this judgment taken off my credit because it is preventing me from buying a home. Please help.
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (MA)

I tried to get my Credit Report and score via Experiam.com and was not able to do so online. 
I received a email from Experian with a phone number to call instead to get get my Credit Report and score. 
When I called the number XXXX the level of disrespect, professionalism i received was unbelievable. Never in my life I experience customer service as bad as thatXXXX call- could n't help me and transferred me to a machineXXXX call- could n't help me and transferred me to another line that did n't workI called again, for the XXXX time. This time a male agent try to help me and he could n't either. 
I ask to speak to a supervisor and i was on hold for 15 minutes. supervisor finally came on the phone and said there was nothing she could do for me. She now transferred me to another department after I had to hold for another 20-30 minutes. At this point had been on the phone for about 1 hour and 30 minutes. and all I wanted is my credit report or if they cant give to me to give me a reason why not. No one at Experian could do that for me. 
This next person I talk to was completely rude, unprofessional and mean. she started screaming at me saying that there is simply nothing she can do for me. I ask to speak to her supervisor and she said I could n't. unbelievable! I asked her for her name. she said she could n't provide that mind you I 've provided this person with all my info : name, address, birthday, social security ... you name it. yet, she would n't tell me her name or transfer me to a manager. After I pressured her to get her name she said her name was XXXX '' from the XXXX department. I then ask her for her operator # and she would n't provide that either. So I hung up and now I do n't have my credit report from them and I dont have a reason as to why not. I was disrespected and its sad that a company as big as Experian would treat people like this
Consumer complaint received 2016-06-26
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Mortgage lending financial institution offered me a pre-qualified lower interest home refinance loan for a current mortgage home loan I had with Wells Fargo since XXXX 2010. As result I applied for the home refinance loan since it would give me {$35000.00} in interest savings over the remaining life of the loan compared to the current interest rate I have on my existing loan. Once the application process started I provided Wells Fargo with every individual piece of financial information required to support my application, such as, 401K account statements, paystubs, and paid {$550.00} to obtain appraisal on my current home. Although all of my financial information support my worthiness for a loan and my current home appraised value is {$200000.00} more than what I owe Wells Fargo the bank refused to extend me the loan. Wells Fargo reason for not extending the loan is that while appraising the home the first time the assessor noted that the home was being upgraded with hardwood floors and therefore another appraisal is required? I asked Wells Fargo to pay for the second appraisal since it was their mistake for not asking me if the house was having upgrades during the time of the appraisal and I do not have the financial means to pay for a second appraisal. I attempted to speak with Wells Fargo on the phone however they hang up the phone on me? I also sent emails to the supervisor overseeing the file and no response was ever received from them? Lastly I learn that my loan application was denied??