davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (OR)

I use auto-pay to make monthly payments to my student loan in the amount of {$860.00} on the XXXX day of each month. The only way to update the funding source ( bank account ) for the automatic payments is to call and have it updated. My wife called at XXXX PST on XX/XX/XXXX to update the bank account information and received confirmation from the agent that the update was made and the next automatic payment would be taken from the updated bank account. It came time for the automatic payment to be withdrawn on XX/XX/XXXX and it came out of the old account that was no longer in use resulting in a {$37.00} overdraft fee. 

My wife called the loan servicer just before XXXX PST on XX/XX/XXXX to find out why the payment wasn't taken out of the new account which had been updated 3 weeks ago. She spent nearly an hour on the phone and got nothing but scripted replies and " I don't know '' regarding why the payment wasn't taken out of the new account. She asked that they credit back the {$37.00} overdraft fee which they caused and was told it wasn't a possibility and wouldn't be done. She asked several times to be transferred and was put on hold over and over again before finally being transferred. The woman she was transferred to offered to credit the fee back but she first had to listen to the call recording from XX/XX/XXXX and then she would call back within 20 minutes. Surprise, surprise, no call back within 20 minutes. 

She was told that it was possible the bank account information wasn't updated because it was later determined it may not have been an authorized change since she was not an authorized third party on the account. This was NEVER communicated in any way nor was it ever mentioned on the call on XX/XX/XXXX. If this were the case, the agent should have never took any information or provided confirmation that the account information had been updated.
Consumer complaint received 2018-05-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (NY)

on XXXX XXXX I took out a mortgage loan with XXXX XXXX XXXX XXXX XXXX for the amount of {$300000.00}. I was promised a low interest rate and low monthly payments, as advertised. The lender did not fulfill its promise ; the mortgage monthly payment and interest rates were higher than promised and it only kept increasing. I defaulted on my mortgage because I could not keep up with the increasing mortgage payments and inflating interest rates. On XX/XX/XXXX, there was an assignment of mortgage filed with XXXX County Clerk 's office. The assignment of mortgage assigned the mortgage from XXXX XXXXXXXX XXXX XXXX XXXX XXXX as a nominee for XXXXXXXX XXXX XXXX, a New York Corporation to XXXX XXXX XXXX XXXX XXXX XXXX as trustee on behalf of holders of XXXX XXXX XXXX Pass-Through Certificates, XXXX XXXX. The assignment of mortgage has the date of mortgage as XX/XX/XXXX in the amount of {$350000.00}. How is that possible when I purchased my house on XX/XX/XXXX in the amount of {$300000.00}? On XX/XX/XXXX XXXX started an action against me in the amount of {$350000.00}. How is that even possible when I had paid well over {$91000.00}. I have tried fixing the problem several time. Every time I submit a loan mod it either take a long time for them to process or I am always getting denied. I am a victim of the housing crisis and I feel that there is a fraudulent element to what is happening to my mortgage loan. I filed for bankruptcy in XX/XX/XXXX and wanted to submit a loan modification once the bankruptcy was discharged. So I had my attorney 's office try to get a modification package from the banks attorney. My attorney 's office has been trying to obtain a loan modification package from the banks attorney since XX/XX/XXXX, they didn't get a response bank until XX/XX/XXXX. That was almost a month that went by and their office never got back to my attorney.
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

XXXX XXXX in XXXX, XXXX, said they could help me reduce my mortgage payment considerably, lowering the interest rate and possibly eliminating behind payments via a Loan Modification. For over a year, their promises of assistance were wavering. They had me to file what they said would be " fake '' bankruptcies, and they would only be on my credit for two or three weeks. Definitely, this was false. I paid them {$4000.00} and they totally mislead me. 

I tried to contact them several times and discovered they were out of business. They scammed ppmany people out of thousands of dollars. ( XXXX XXXX-ADDRESS IS AT THE BOTTOM OF THE PAGE ) ______________________________________________________ Rushmore Loan Management Services XXXX XXXX XXXX, XXXX XXXX RLMS is charging exorbitant interest on the home loan, which was supposed to be a Loan modification. ( {$150.00} for the principal and {$1200.00} for interest. I am a retired XXXX on a very strict budget, and I am also a widow. I need a reduction in my mortgage payment. 
_____________________________________________________________ XXXX XXXX, Director XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-05-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

FL was declared a Natural Disaster on XX/XX/2017, Hurricane Irma. I took the 3 months Deferment. Wells Fargo stated to Me on a recorded line that payments would go to back of Loan. The Home Preservation Specialist ( XXXX XXXX ) stated I had to do a Loan modification or make missed payments to prevent foreclosure on My Home.I feel I was defrauded by Wells Fargo. Thank You.
Consumer complaint received 2018-05-23
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. (IL)

Despite several written requests to TransUnion that they are reporting inaccurate information on my credit file. My last dispute to TransUnion was sent on XX/XX/XXXX. TransUnion sent me back the results to their investigation on XX/XX/XXXX stating in writing that they verified the accounts are being reported correctly? As of XX/XX/XXXX XXXX TransUnion is reporting my XXXX XXXX account as a credit card account included in a XXXX bankruptcy. This account should be a closed credit card account in good standing. I have never file Bankruptcy. TransUnion is also reporting a collection account from XXXX XXXX XXXX XXXX. This account was deleted from my credit file in XX/XX/XXXX. XXXX XXXX XXXX agreed that they will delete information from my credit files.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (SD)

Wells Fargo bank opened XXXX add-on products without my consent also Wells Fargo bank closed my bank account rendering my ability to make purchases at critical times of need XXXX XXXX required online purchases XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and rendering my ability to gain credit when filling out credit application the application ask if I have a bank account checking or savings also I would like to file a lawsuit against Wells Fargo bank for discrimination based on race XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX - XXXX - XX/XX/XXXX - {$34000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2018-05-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (SC)

I had an account with XXXX XXXX, I made one purchase, ( around {$130.00} ) paid that purchase in full but was late a few days with the payment. I then paid the late charge ( {$27.00} ) after speaking with the agent on the phone, the would not take a phone payment at that time without further charges so I made the payment myself and asked the agent to close my account, which they did. The payment posted 2-3 days late so they charged me yet another late charge for the late charge payment. The bank agents have been calling me at home, work and even my in-laws house harassing me to pay them for another late charge. ( I told them I would just return the item ). They said I couldn't do that. They have sent me to collections, ruined my credit score all because they wanted me to pay them more money for and item I paid in full for and paid a late charge for. This has been going on for months. Calling every day, then calling my work, saying they are going to turn it over to their attorney 's to sue me. It's just an awful bank and should not be allowed to be able to treat people this way.
Consumer complaint received 2018-05-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (SC)

In XX/XX/XXXX following two back to back hurricanes I called Wells Fargo to ask if there was assistance such as deferring a monthly payment. I was told yes, they took my information and said I qualified and was approved for a disaster assistance program and that someone would call me within 30 days to explain the details. They said no negative info will be reported because of the protection of the program. I never received a call or letter. I called back before the XX/XX/XXXX bill was due and was told wells Fargo still did not know the specifics and are very backed up please be patient, do not make a payment and someone will call with more details. Toward the end of XX/XX/XXXX a representative called me to say who she was and that Wells Fargo has not decided what to do with all the disaster applicants but will let us know before the end of XX/XX/XXXX. At the end of XX/XX/XXXX I called again and found out my rep no longer worked there and I have not been assigned a new rep. Finally in XX/XX/XXXX I was told I only have two options, pay all three months right now or they will do a full loan modification and re write the mortgage for another 30 years. This was a complete bait and switch. We were not told this was even a possibility and would have found another way had we known. 

I was so angry I started working with another company to do a cash out refi so I could pay off my debts. I worked for 3 months with this other company only to have underwriting deny me at the very end bacause Wells Fargo is in fact reporting me as delinquent to FHA and it shows up on the CAIVERS request. So I lost my refi because Wells Fargo lies. 

I called Wells Fargo several times explain how I was treated and every time they direct me to a customer resolution team. I had to fax a letter explaining the issues and they said they will respond within 30 days. I have not heard back yet. 

I was lied to, misled and forced into a loan modification I dont want. And lied to about no negative reporting that in fact cost me the ability to refi for two years. 

Please help.
Consumer complaint received 2018-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

Good day : My complaint concerns Wells Fargo Bank and their continuing practice of corporate chicanery by various means. The following situation that I'll describe below is without question designed to bilk customers out of as many overdraft fees as possible and allow me to make this clear ... ... it is by DESIGN! The same scenario has happened multiple times to not only myself but friends and acquaintances who hold accounts there as well. It is not by accident. 


I had five ACH withdrawals that I knew would be assessed to my checking account this past Monday,XX/XX/XXXX. They were from two entities. Entity # 1 was for two small amounts ( {$20.00} and {$25.00} ) which were posted in the " pending transactions '' section in a timely fashion. I conducted business with entity # 1 the day before, Sunday XX/XX/. 


The other three transactions were from entity # 2. All took  place the previous FridayXX/XX/XXXX. The first transaction was conducted that morning @ XXXX XXXX in the amount of {$150.00}. The second transaction took place later that afternoon @ XXXX XXXX in the amount of {$79.00}. The third and final transaction occurred @ XXXXXXXX XXXX in the amount of {$83.00}. Remember that all took place XX/XX/. Only the MIDDLE TRANSACTION for {$79.00} was listed in the " pending transactions '' section creating a negative balance. I have until XXXX XXXX  to cover any negative balances by making a cash deposit either through an open branch or a Wells Fargo ATM. Knowing there was a good chance that they'd pull their systemic shenanigans I deposited enough money to cover all 5 transactions even though two of three ACH withdrawals for entity # 2 were not listed even later that same night ( after XXXX XXXX ) TuesdayXX/XX/XXXX( lo and behold ) all 5 transaction were posted MONDAY XX/XX/XXXX! 


This is criminal and as far as I'm concerned the officers of the Wells Fargo Board belong in prison. They'll never go there but that is where they belong. This is the same corporation ( with the same corporate board ) that was held criminally liable for a million counts of fraud yet nobody anywhere served a nanosecond of prison time which is obscene. They fired 6,000 employees as their corporate response to this as if all 6,000 employees who lost their jobs drank the same tainted water and coincidentally made the same criminal decision to defraud account holders. 


Fecal matter rolls downhill and the activities of Wells Fargo Bank are definitely part of a corporate culture that can only be described as disingenuous, corrupt, amoral and totally repugnant. Thank you.
Consumer complaint received 2018-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

XXXX PROBLEMS ... .FILLED OUT ONLINE FORMS TO REMOVE ITEMS FROM CREDIT REPORT FROM EXPERIAN . WHEN IT WAS SUBMITTED, THEY SAID CAN NOT SUBMIT AS IT WAS DONE ONCE BEFORE..THE XXXX IS KILLING POOR PEOPLE. ALL THREE REPORTING AGENCYS ARE CHANGING DATES BY PINGING OLD CLOSED CONTRACTS. IF YOU CAN NOT SUBMIT AN ITEM FOR CHANGE OR REMOVAL, THEY ARE IN CONTROL OF THE GOVERNMENT AS WELL AS THE BANKS. 

ALL THREE REPORTING AGENCYS WILL NOT VERIFY CREDIT ACCOUNTS WITH CREDITORS. THEY DO NOT HAVE THE DOCUMENTATION REQUIRED.
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX refuses to delete the acount on my credit report for {$1000.00} XXXX XXXX XXXX is reporting a balance of {$370.00} and XXXX XXXX XXXX is reporting a balance of {$33000.00} these must be deleted it has proven to be fraudulent my id social passport were stolen the ip adresss used to open the credit Card accounts where traced to the perp XXXX XXXX and surveillance proves I didn't open the XXXX account and that my information was stolen and my number was spoofed and pings back to XXXX XXXX XXXX where the suspect XXXX XXXX used my information to open these accounts suspect is now deceased.
Consumer complaint received 2018-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

i had a 2yr contract for sat.tv after 1yr they said they were raising the amount so i told them i was canceling. i was paid up at that time they were going to charge a penalty for canceling. they offered me 2 mo. free and then charged me any way so i canceled. iwas told i could'nt cancel i had a contract. if they can change my contract after 1yr why can't why can't i cancel
Consumer complaint received 2018-05-22
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: AMERICAN HONDA FINANCE CORP (VA)

Received an alert from XXXX, stating, I applied for credit from American Honda Financial on XX/XX/XXXX. Contacted American Honda Financial on XX/XX/XXXX, spoke with several individuals over 45 minutes. Honda stated they couldnt do anything or provide any information and file a dispute with Equifax. I filed a fraud dispute with XXXX  on XX/XX/XXXX. 

On XX/XX/XXXX received an alert ( Conf No. XXXX ), stating my dispute was complete. XXXX   stated ( XX/XX/XXXX telephone call ), they can not remove the hard credit inquiry from American Honda Financial and I need to contact Honda. I contacted Honda on XX/XX/XXXX, they said I need to contact XXXX  to have it removed. Called XXXX again, informed them what Honda said and I requested a supervisor. Informed the female supervisor of the situation, she said again, contact Honda, they have to request the removal of the hard inquiry. I informed both companies, this was a fraud credit request. Both parties are saying contact the other party. I have spent over 2 hours on the telephone with XXXX and American Honda Financial requesting the hard inquiry be removed from my credit.
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : XXXX, XXXX, Transunion. 
Re : Incoreect Personal Information. 

XX/XX/2018 I am writing to dispute the following information in my file. I have annotated incorrect information with arrow in the attached complaint, as the items that I am disputing on the attached copy of the report I received. 
My name, is not, nor ever has been XXXX XXXX, or XXXX XXXX XXXX, or XXXX XXXX XXXX, or XXXX XXXX, and I have NEVER gone by the alias. Enclosed is a copy of my current drivers license, for accurate name identification. Additional my primary place of residence has never been associated with XXXX XXXX for over 5 years that I have owned the house. I am disputing the address XXXX XXXX XXXX listed as a large drop off address it is a large commercial shopping center complex with XXXX  and XXXX, and I am not associated it the address. 
Please investigate investigate the inaccuracies, and delete the above disputed items as soon as possible. Please also send a corrected credit report to me.
Consumer complaint received 2018-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

I tried to buy four XXXX XXXX basketball game tickets for {$420.00} on Saturday XX/XX/XXXX using XXXX with XXXX in my JPMorgan Chase Mobile cell phone app. the seller gave me their email and I confirmed the email with them and transferred the money. the seller/recipient explained that they did not receive their money. 

I called my bank, Chase, and had them try to cancel the pending transaction after a half an hour, the same night, after having the recipient check their junk mail folder. i was told since the transaction was pending and there was nothing the agent could do, and to call Chase support back on Monday. I called on both Monday XX/XX/XXXX and Tuesday XX/XX/XXXX. the transaction cleared on XX/XX/XXXX.

i called Chase bank support tuesday morning XX/XX/XXXX and was told that since i used XXXX with XXXX and that it was a third party service offered by Chase Mobile that my bank, Chase, could not do anything to guarantee my money back. they offered to open a claim with XXXX but could not guarantee my money back. 

after not hearing back from my bank, Chase, i called them on XX/XX/XXXX and was told the case was closed but had a case with XXXX open. i was told if the recipient tried to take the money from the receiving account that the account would be suspended and that i would get my money back -- but was also told this was a very slim chance that it would work. 

JPMorgan Chase bank offers a third party way to pay someone without any protection for the customer.
Consumer complaint received 2018-05-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Weinberg Mediation Group LLC (TX)

I've been contacted by this company by the name of Wynberg/Wineberg Mediation Group from the following phone numbers XXXX,XXXX,XXXX even after repeatedly asking them over a course of two months they still call me on my cell phone and leave messages all the time I am sick of this at least 4 to 5 times a day threatening me with jail time and lawsuits I just want to know why it hasn't been stopped I've seen dozens and dozens of complaints about this when I research the various phone numbers they call from and to no avail I want them to stop stealing customers information and identities and trying to collect debt illegally there should be some jail time behind this!