davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I am filing another complaint on behalf of my client. After my last complaint regarding the manner in which my client 's loan modification application was reviewed, XXXX different Wells Fargo representatives contacted me from the Executive Office ( XXXX and XXXX ). After speaking to them and my client I told them that my client wanted to forgo the loan modification review and instead be reviewed for a short sale. I asked XXXX if that was possible. She said it was but that the review had to be expedited. I agreed. I told her that we had secured an offer for the property and that we could send it over immediately. I stressed to her that because a sale date had been set for XXXX XXXX that it was IMPERATIVE that someone contact me ASAP to review the file. I told her I did not want to delay ONLY to be told that we were too close to the new Trustee Sale date. She assured me that the review would be expedited that and someone from the executive short sale department would be contacting me. It has been nearly a week and no one has contacted my office. My assistant calls Wells Fargo 3 times a day trying to get in touch with someone. We have not heard from XXXX or anyone else. Customer Service does not seem to know what is going on. I am concerned and believe that time is going to fly by until we are once again close to a sale date. As I was writing this my assistant just spoke to someone that said the offer is being reviewed but they have not asked for anything NOR do we have a representative to discuss the matter with. 
I have always worked well with Wells Fargo so I am VERY confused by this. We are trying to resolve this matter amicably and avoid a foreclosure sale. The offer that we received is a good offer especially considering the condition of the property. I do not know what value Wells Fargo has for the property but an INTERIOR BPO is needed. Trust me, Wells Fargo needs to get someone inside this home to check out what is going on. 
I am only resorting to communicating through the CFPB because Wells Fargo will not return our calls. 
I want to believe that Wells Fargo is working in good faith but the run around that we get from customer service tells me otherwise. I do not trust what is going on right now. My client is willing to do whatever it takes to resolve this matter FAST. 
I have a funny feeling that time is going to pass and I am going to be given some XXXX excuse. I am documenting all of our calls and attempts to work with Wells Fargo. 
Please have someone contact me ASAP at XXXX to discuss this situation. Time is of the essence.
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (CT)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I received a copy of my consumer report, and I noticed some late payments posted on my consumer report on a account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have the responsibility to report Maximum Accuracy. I have never been late on payments for XXXX ACCOUNT # XXXX Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payment be updated to on time as they should be as I was NEVER Late.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (FL)

I had a XXXX card thru Wells Fargo for my floors. Received it around XX/XX/2020. Started losing jobs but i did my part and called Wells Fargo. They held off for a couple of months I made payments. Every other company made arrangements because covid just kept on getting worse. Instead Wells Fargo stated they could only extend assistance for a few months then everything would go back to normal. Meaning fees, interest, balance due. 
But covid made things worse. Wells Fargo didnt see it that way and closed my account within less than a year and reported me to credit bureus. I tried to make arrangements but was told because my account had a discount of no interest for a year i had to wait until that year was up. When it was i was hit with all the interest. I went from $ XXXX to XXXX. I was able to continue making payments but the balance hardly went down because i was still getting hit with late fees and more interest every month. 
My credit is done. My pockets are done and the only option that was given to me was {$110.00} per month to stop the interest on a XXXX balance. I py it biweekly and it still doesnt make a dent. 
Now i see news reports that Wells Fargo just settled for wrongful closures and practices in the tune of $ XXXX. Im not looking for money because i know i owe them but i need my credit report corrected and assistance in lowering this unjustly balance during the height of covid. 
Can someone please help me? 
Thank you
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (VA)

I received a statement in the mail for my XXXX XXXX XXXX XXXX credit card payment of {$210.00} due XX/XX/XXXX. I mailed a check with the payment stub to the supplied address of XXXX XXXX XXXX, XXXX TX XXXX on XX/XX/XXXX. Please see attached carbon copy picture. 

I then received a statement in the mail stating I still owed the balance of {$210.00} along with a late payment fee. I called XX/XX/XXXX and spoke to a representative. They stated they had not received the check and eventually disconnected the call. I did not hear back from them. However, XX/XX/XXXX the check was cashed and cleared my bank account. Please see attached bank statement screen shot. 

I have now received another statement due XX/XX/XXXX for the misapplied " late payment '' charge and interest of {$36.00} total. 

My initial payment was not late. I mailed the check well before the in mail deadline and plenty of days ahead of the payment date to be received, processed, and applied. It seems XXXX misplaced my check and then was able to find it and apply the funds XX/XX/XXXX after I called XX/XX/XXXX to complain. 

I do not owe a late charge or any interest of my promptly mailed check payment. The incorrect {$36.00} balance owed needs to be removed from my account immediately.
Consumer complaint received 2016-04-08
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Vision Financial Corp. (WA)

At XXXX XXXX, I received a call from a collection agency call " Vision Financial '' the collector named XXXX XXXX, he was agressive and insulting. I advised him of the time and he stated that I was " refusing to take care of my debt and I am a DEAD BEAT '' 1. This company calls me once a week, and I have asked them to stop. I have limited minutes on a cell phone. I asked for an address previously to put this in writing, but have been refused. 

2. It is XXXX XXXX, it is wrong and against FDCA to be calling me at XXXX XXXX. 

This company has violated my rights. They have made aggressive and inappropriate comments such as " you are homeless, so you do n't have bills why are you being a dead beat? '' It is inappropriate, insulting,
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

I have filed dispute with Experian, XXXX and XXXX, but i have only heard from Experian and XXXX. Its been over 60 days and I haven't heard anything from XXXX. Experian an XXXX reported that the information was verified and accurate but I have proof that that is not true or accurate. 

XXXX XXXX has deleted the bankruptcy off my consumer report and the US bankruptcy court verified that they do not report the the credit bureaus.
Consumer complaint received 2017-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IL)

After a few years on unstable employment, I defaulted on my federal student debt and once able, I rehabilitated by debt through a Repayment Agreement Under the Loan Rehabilitation Program Supporting Request for Deletion of Derogatory Credit Rating Previously Reported By the Guarantor for Loan # XXXX - Account # XXXX. The agreement clearly states in Section ( 9 ) the removal of the default and a new entry for the rehabilitated loan. 
The XXXX. failed to fulfill Section ( 9 ) of this agreement. 
The XXXX rehabilitated loan payments required to rehabilitate the loan were made as of XX/XX/2015 and the loan guarantor has failed to notify the national credit bureaus of the deletion of the " derogatory credit rating '' as stated in Section ( 9 ) of the agreement. The defaulted entry was not cleared, instead it was updated to a derogatory credit rating. 
I have been writing to clear this inaccurate and non-relevant information per the agreement from my credit report since 2015 based on the language of the agreement with no success. This reads as a clear breach of the agreement written by my loan guarantor which I agreed entered into.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.
Consumer complaint received 2022-12-20
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

Since XX/XX/2022, I have received at least 48 phone calls from Rocket Mortgage ( XXXX # XXXX ). I regularly receive four phone calls per day. I believe this violates the below telemarketing regulation. 

Title 16, Chapter I, Subchapter C, Part 310, 310.4 Section B, Pattern of Calls, subsection ( 1 ) ( i ) : Causing any telephone to ring, or engaging any person in telephone conversation, repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number ; Additionally, Rocket Mortgage 's behavior is highly concerning. I picked up one call, and the agent stated " Hello, our records indicate you are looking to refinance your mortgage ''. I haven't submitted anything anywhere that supports that statement. I explained I wasn't interested and asked them not to call me again. They continue to call, and now are also texting me. This also violates Title 16, Chapter I, Subchapter C, Part 310, 310.4 Section B, Pattern of Calls, but subpart ( 1 ) ( ii ). 

The last text asked me to get in touch with them asap to " finish '' my refinance. What refinance? What are they talking about? If I were a person with memory problems or other medical cognitive disorders, I could be confused by these abusive practices into actually entering into a mortgage contract I did not initiate.
Consumer complaint received 2023-05-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (OH)

OneMain never called about late payments before reporting to the Credit Bureaus that payments were late. Per fair credit practices, lenders need to contact borrowers before making reports. OneMain never tried to contact me by phone, mail or email before reporting to the credit Bureaus regarding late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, so I was unaware that my account would be late as I had automatic payments set up and I was unaware that my payments did not go through.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (NM)

Despite the recent FTC settlement, I got additional spam emails from Experian in violation of the CAN-SPAM act.

They continue to send me promotional emails with no opt-out whatsoever.

They do not care about the law or users whatsoever.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theit, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM *******
Consumer complaint received 2023-05-26
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: DISCOVER BANK (NY)

I saw an ad for Discover savings account where if you deposited a certain sum within 60 days of opening that account, Discover would give you {$200.00} plus interest of 3.9.

I opened the card and transfer was done from one bank to the other.

Discover reversed the transmittal of the sum and returned the money to my original bank. Thereafter, they closed my account citing business decision. 

This leaves me to believe that they had no intention of honoring their ad and they were surprised when I came up with the sum in their ad. This is false advertising.
Consumer complaint received 2020-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (CA)

I applied for the Apple Card on XX/XX/2020, I got a denial due to only one reason : " You have recently been past due ''. 

This is NOT true! I checked my XXXX  credit report and there is NO lates in the last 7 years? It said I had a score of XXXX, I don't know how someone can have that score with " past due payments ''. 

Please review and correct, thank you
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  || Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  || Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX || Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-05-26
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. (NY)

KOHLS/CAPONE TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$260.00} {$260.00} {$300.00} XXXX XXXX : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Late 90 Days Late 90 Days Late 90 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Consumer complaint received 2017-02-22
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Flagship Financial Group (KY)

I am the XXXX and was contacted by Flagship XXXX about a vehicle loan that is over due by that XXXX. The company rep, XXXX ( XXXX ), relayed that she was contacting me to find my XXXX in order to avoid " having to go through military legal means ( Provost Marshall ) to effect a repossession on the installation ''. It is my understanding that under the FCPA, that creditors are not allowed to discuss status of loans with employers. They can only contact employers to verify employment and ask for contact information.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX, around XXXX, my debit card made 9 unauthorized fraudulent transactions in excess of {$720.00} dollars. I immediately acted, locking my card via the Wells Fargo portal and then called per their instructions found online. They indicated the claim was processed and within 10 days everything would be handled and a temporary credit would be issued. I waited patiently ... came back with XXXX dollars credit on charges I never disputed. I called 5 separate times for resolution. I needed help, so I went to the local bank I have been a loyal consumer for since 1998. The banker called 3 separate occasions, which took several hours each appt I had to set up. Eventually the bank manager stepped in. Fast forward to XX/XX/XXXX. No resolution, no follow up, nothing, just continue to wait 10 days sir. I had heard that over 3 times now. The manager was able to uncover the issue, which was that XXXX XXXX refused to refund the money to the bank, which means, me, the consumer was to take the loss. The entire reason I set up my account with XXXX, now Wells Fargo was because they ensured me my money was federally insured up to 150k for issues such as this. Please help me come to a resolve with this issue I am facing. As a result of these charges I am potentially at risk of defaulting on my personal financial obligations for issues outside of my control, but clearly stated on their website that I'm covered for by being a consumer with their establishment.
Consumer complaint received 2022-12-20
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SLM CORPORATION (OH)

I am writing to inform you that the attached communication is in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the following violations have occurred : 15 USC 1692e ( 10 ) - The communication falsely implies that the borrower 's credit rating may be adversely affected. The statement " Negative information on a credit report may adversely affect your credit rating and can stay on your credit report for up to seven years '' is misleading, as the length of time that negative information stays on a credit report is determined by the credit reporting agencies and is not within Sallie Mae 's control.

15 USC 1692c ( a ) - The statement " This is an attempt to collect a debt and information obtained will be used for that purpose '' suggests that Sallie Mae is a debt collector, but Sallie Mae is a private bank. This is a violation of the FDCPA, which requires debt collectors to clearly disclose their identity in all communications.

15 USC 1692d ( 6 ) - The phone number provided in the communication directs the borrower to the Collections Department, rather than customer care. This is misleading and makes it difficult for the borrower to seek assistance with managing their account.

15 USC 1681s-2 ( b ) - Billing statements have been inaccurate and payments are lost in the mail, and Sallie Mae is reporting them as late to credit reporting agencies. This is a violation of the FCRA, which prohibits furnishers of information from reporting false or incomplete information to credit reporting agencies.