davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MI)

In the early XX/XX/XXXXs I had a checking account with Wells Fargo Bank. That account was closed in XX/XX/XXXX or earlier. From XX/XX/XXXX to XX/XX/XXXX I had no business relationship with Wells Fargo Bank.

In XX/XX/XXXX I refinanced my mortgage and the refinanced mortgage was sold to Wells Fargo. When attempting to retrieve tax forms online in early XX/XX/XXXX I was unable to verify my phone number. Upon deeper inspection I found my account 's permanent address and phone number listed was that of my college apartment that I moved out of in XX/XX/XXXX. It was not the address and phone number associated with my newly refinanced mortgage. I attempted to call Wells Fargo to address this and was told that there is a verbal password on my account. I never set a verbal password on my mortgage account. 

I spent numerous hours on the phone with Wells Fargo fighting about this password. I do not remember was this password is but my only guess is that it is related to the checking account that was closed 15 years ago. After being hung up on numerous times for not knowing this password I eventually reached XXXX XXXX at the executive office ( XXXX ). XXXX stated that I need to complete a notarized " Customer Level Password Removal Request '' form to get the password removed. This is because there are no Wells Fargo branches in the State of Michigan or within hundreds of miles from my location. 

Per XXXX XXXX 's direction I found a local notary public, completed the password removal form, and sent it back to Wells Fargo. A month later I get a letter back from Wells Fargo stating that they can not remove the password on my account because there is no password. When I attempt to call Wells Fargo back on this they continue to state that there is a password on my account and refuse to help me because they can't validate my account. They tell me the only options to fix this are to visit a Wells Fargo branch ( none exist ) or complete the password removal request form which I previously did and was rejected. 

I am unfortunately placed in a position where I am unable to fully manage my mortgage account and fearful that if I do experience any other issues with my account I will be unable to address them because Wells Fargo refuses to assist me or remove the password from my account. 

Upon request I can provide the mortgage account number and a case ID number from XXXX XXXX.
Consumer complaint received 2022-10-11
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. (FL)

In accordance with the Fair Credit Reporting Act 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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX, I WAS DENIED FOR CREDIT CARD I READ THE DECISION WAS BASED ON AND BY ALL THREE MAJOR CREDIT BUREAUS AND ANOTHER CREDIT BUREAU NAME XXXX XXXX XXXX XXXX ( WHAT IS THIS XXXX XXXX XXXX XXXX. I THINK THAT COULD BE THE COMPANY THAT HAS ALL MY CREDIT IN RED THAT WAS PART OF THE BANKRUPTCY THAT IS DEROGATORY COMMENTS OF BEING 14 LATE PAYMENTS ON CREDIT CARDS THAT ARE NO LONGER MY RESPONSIBILITY SINCE MY DISCHARGE IS IN 3YRS COUNTING DOWN FROM THE BANKRUPTCY CHAPTER XXXX. CAN SOMEONE LOOK INTO THIS SINCE I AM PLACING MY ADDITIONAL COMPLAINT CURRENTLY XXXX XXXX DENIED ME BASE OF XXXX, XXXX, EXPERIAN, XXXX XXXX XXXX XXXX XXXX  XXXX  CONSUMER INQUIRY DEPARTMENT. 
BASED ON DELINQUENCY AND DEROGATORY PUCLIC RECORD OR COLLECTION FILED BALANCE CREDIT LIMIT TOO HIGH LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED NUMBER OF INQUIRIES BY XXXX, HOW CAN THIS BE I ONLY HAVE BANKRUPTCY, NOTHING LATE AND SHOULD NOT HAVE ANY NEGATIVE MARKINGS, NOR COMMENTS. 

THAN THE FRONT OF THE LETTER BY XXXX XXXX IN ADDITION TO THE ABOVE REASONS ALSO STATES : bASED ON YOUR CREDIT REPORT FROM ONE OR MORE OF THE AGENCIES ON THE BACK OF THIS LETTER, CREDIT BUREAU INFORMATION IS UNAVAILABLE BECAUSE THE APPLICANT WAS DETERMINED TO BE A MINOR?? BY THE CREDIT BUREAUS?? I NEED CFPB TO LOOK INTO THIS WHAT IS GOING ON I CAN NOT BELIEVE HOW MUCH TIME AND YEARS I KEEP HAVING NEGATIVE COMMENTS AND ALL THE CREDIT BUREAUS CONTINUE TO NEVER BE ON THE SAM UPDATES OF PAGE. ALSO XXXX  OR EXPERIAN HAVE MY NAME AS XXXX XXXX XXXX WHEN I LOOK ON LINE VIA THE XXXX  XXXX, MY NAME IS XXXX XXXX THAT IS IT! 1 I SENT IN SO MUCH AND CALLED AND SPOKE TO MANY TO PLEASE CORRECT MY NAME ON EACH CREDIT BUREAU EVEN THE XXXX  XXXX  WHICH I NEED TO KNOW MORE ABOUT THIS AND WHY THIS APPEARS ON AND OFF MY CREDIT REPORTS. THIS IS WRONG.. THAT IS WHY I HAVE SO MANY INQUIRIES THIS IS WHY I KEEP APPLYING AND WONDERING THE DENIALS ARE SOME WHAT THE SAME REASONS, BUT THAN I GET ANOTHER DIFFERENT REASON? THAN I HAVE TO ASK WHY.. PLEASE I AM FIGHTING TO KEEP MY CREDIT CLEAN, THIS IS NOT RIGHT!
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I received your response XXXX ( XX/XX/year> ) that you need my updated email address which is ( XXXX. ) I sent a complaint on ( XX/XX/year> ) to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive included this in my previous Complaint # 's XXXX ; XXXX & XXXX. I am including it again.
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo Bank ; Card # XXXX Before during and after the Bank admitted to selling and distributing the public 's personal information I was constantly being harassed with phone calls from XXXX company selling life insurance and another company selling renter 's insurance ; this went on for several XXXXXXXXhe life insurance company knew both my DOB ( XX/XX/1949 ) and mailing address/phone number while the Renter 's insurance company knew my complete mailing address/phone number and specifically my apartment # XXXX only Bank that had this information and had admitted some of it's employees did indeed sell my and other 's personal information.Had a claim with Wells Fargo XXXX XXXX and waited for a response after several phone calls and unkept promises of a resolution and was repeatedly advised somebody would respond and no body did so I called them and the claim was denied.XXXX XXXX was forced earmark {$500.00} million dollars for their illegal and immoral behavior and now they are attempting to shirk from their responsibility to fairly compensate the victims of their behavior.
Consumer complaint received 2019-06-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I have submitted tons of documentation to Wells Fargo home mortgage proving my financial hardship and they continue to hound me over and over for more proof as to deter me from the process. They are clearly trying to declare more earnings to their shareholders and wont lower my mortgage after making XXXX k last year and the prior year I was unemployed My taxes increased so much where I live my mortgage went from XXXX to XXXX. They wont remove the escrow. I am fed up with dealing with them I have proven my lack of funds and I just got a job this month. I have given them every doc they have requested
Consumer complaint received 2021-04-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Michigan Mutual, Inc. (CA)

On or about XX/XX/21 I refinanced and paid off loan # 's XXXX and XXXX with Michigan Mutual Inc. The balances in the impound accounts was {$1300.00} and {$1400.00} respectively. On XX/XX/21 I received escrow payment checks of {$760.00} and {$950.00} respectively. On XX/XX/21 at XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX )  and I called Michigan Mutual on a conference call and we spoke to XXXX ( no title or contact information given ) who could not explain the discrepancy ; at XXXX XXXX ( no title, initials XXXX ) told us that the missing money had been used to pay my property taxes ( she did not provide any transaction or check numbers for verification ) the call ended at XXXX XXXX At XXXX XXXX  I called and spoke with XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX who informed me that my property taxes were paid on the aforementioned properties on XX/XX/21 by the title company. No other payments have been received. Previous complaint : Ref # : XXXX File No : XXXX XXXX XXXX XXXX To : XXXX XXXX XXXX , XXXX. XXXX at XXXX XXXX 

XXXX, I did speak to a few people today from Michigan mutual who assured me if it was double paid you will be getting the difference back. So I would look out for that. 

Thank you, XXXX XXXX XXXX XXXX NonProducing Manager XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have sent a letter to XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX USA on XX/XX/2020 it was received by them via USPS on XX/XX/2020. No response was received. A Return Receipt was signed and returned. It has been longer than 30 days to validate this debt. No attempt was made to verify the debt and no collection details were given.
Consumer complaint received 2017-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections (OR)

I requested debt validation/verification from  Bonneville Col lections. The amount and orginal creditor did not correspond with any information I had in my files. My first request was received by registered mail on  X/XX/2017   , my send request was received by registered mail on  X/XX/2017   . I provided my current address and identifying information. They have failed to respond to my requests. In addition, with each letter I have sent requesting verfication, they have marked my Credit Bureau account disputed/verified/resolved.
Consumer complaint received 2020-02-18
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. (GA)

I have sent a letter to XXXX XXXX  XXXX XXXX  - XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX USA on XX/XX/2020 it was received by them via USPS on XX/XX/2020. No response was received. A Return Receipt was signed and returned. It has been longer than 30 days to validate this debt. No attempt was made to verify the debt and no collection details were given.
Consumer complaint received 2019-08-05
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: EQUIFAX, INC. (TX)

EQUIFAX continuing to report inaccurate, fraud accounts onto my credit file maintained by your company. I have disputed these items with you more than once yet you still to disregard and send frivolous notice that these accounts are verified accurate. Please inform me what has XXXX provided to you legally verifying these accounts bearing my signature. The systematic procedure with codes that you use are not proof. XXXX has no documents bearing my legal signature or a valid driver license proving that these accounts that were obtained through identity theft and maybe on the account of all the past breaches does not belong to me. In have informed you over and over again that the said accounts, are results of identity theft and does not belong to me. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Transunion Credit Bureau but they failed to give me any results or feedbacks about this concern. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please have this account repaired for once : XXXX XXXX  XXXX XXXX
Consumer complaint received 2018-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

Hello i have been trying to change my address with XXXX XXXX XXXX. Its a subsidary of equifax i was granted a free account for due to their security breach. I have tried doing it online and their servers are always down. I have tried calling them with no luck. I see it as i shouldnt owe them anything if they cant change my address. Also a company called XXXX XXXX who handles my student lonand wont liaten to me about debt forgiveness because my school was closed. Who do i owe money to if theyre closed due to a federal law suit? Idk. Fix it im XXXX. Had to start a life out of a recession when youre in debt before youre XXXX. XXXX achools and they college promises are XXXX. Fix my stuff please.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (FL)

My Social Security Number XXXX has been compromised, and someone fraudulently applied for a credit card with JPMCB CARD SERVICES ( ending in XXXX ) using my identity. Furthermore, I want to highlight that I was not present in the USA at the time of the application, as I resided in XXXX until XX/XX/XXXX. I can provide my immigration papers ( I-94 Form ) as evidence, stating the date of my arrival in the USA. Please find them attached for your reference.
Consumer complaint received 2021-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX Transunion dropped my score by XXXX points for a remark on my mortgage account that has been there since XX/XX/XXXX. That remark has never impacted my score. I filed a dispute and Transunion increased my score by the same XXXX points on XX/XX/XXXX. On XX/XX/XXXX Transunion again dropped my score by the same XXXX points, giving the same reason for the drop. I have a XXXX XXXX on time payment record and that was the case for the last XXXX XXXX no collections, no public records, basically no negatives whatsoever, so there is no legitimate reason for the drop on XX/XX/XXXX, which is why they increased my score by that same XXXX points on XX/XX/XXXX. Transunion can not explain the drop on XX/XX/XXXX which is why they restored the points on XX/XX/XXXX, but did not restore the XXXX points when they dropped it on XX/XX/XXXX. They can't explain it and asked me to wait XXXX hours for it to go back up. It has been a week and no one at Transunion including supervisors knows why and keep giving me talking points that I already know. I am locking in a mortgage rate soon, and I can't do this every month and their response that it is the system makes no sense because the information on my credit report is the same for the XXXX XXXX before the drop and the month after the drop.
Consumer complaint received 2020-09-25
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. (CA)

Experian and XXXX  are reporting balance and or high balance on accounts that are closed which is violation of credit reporting also all closed accounts do not state if original creditor or sold all closed accounts are reporting incorrect information as these accounts are sold to third parties so Experian and XXXX  are using incorrect information on re-aged accounts
Consumer complaint received 2019-08-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GVA Holdings, LLC (ME)

On XX/XX/2019 I applied for and was funded a {$300.00} installment loan. The loan came with an astronomical interest rate. I have been making the payments weekly via electronic debit of my bank account with the exception of one week my check came in late and they charged me a fee for missed payment. I am caught up but for that fee. I contacted them a few months back because I was unable to register for login on their website. I wanted to view and print my terms again and see about an early payoff maybe or rearranging dateas, etc. I just needed to be able to view my account online. I was told that I was unable to regiatwr with the site because of the very small past due fee..my bank covered it and they got their payment a day late..but the fee stayed. They would not in any way shape or form allow me to register online unless I paid that overdue. I argued for it to be added at the end as an extra payment, paid off in increments..anything and evwrything I could think of. Its been nearly 6 months and I still am unable to gain access. I can not get them to tell me my balance or anything. I gave up until recently. I want to switch my payments to my other bank account and need to be able to access the site to do so ... as thwy told me in emails they can not take or change payment information. Is there anything you can do to help me get into my account? I think it is my right as a consumer to be able to view my own loan information isnt it? Also, they are a tribal lender i believe so I dont think theres much anyone can do about them taking complete advantage of my desperation with those interest rates ... but maybe could look into it? It screams unfair business practice to me. Thanks so very much and Ill await your reply XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: DISCOVER BANK (NJ)

On early of XXXX i was unable to communicate on my credit card company which is the " Discover '', family/myself was struggling, very sick of COVID19, due to unable to contact Discover Credit Card , & i was unable to pay my monthly due to them, they cancelled my credit card without my information, not even sending mail to me. I work on medical field since XXXX and during COVID19 time, I am one of the XXXX XXXX, and because of my job i got XXXX XXXX, they don't know how stressful we did, taking care everyday of XXXX XXXXatient in NY, without their consideration. I told Discover Customer care if they can reopen my account and explain to them what happen to me.

6 months after the Discover closed my account, I fully paid them, but my credit history was damage already by Discover, i am not approved anymore on loans right now on what Discover did, no consideration on COVID time.
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (AR)

My loan was purchased by another lender and the servicer for them is Selene Finance. I was in the middle of a modification due to covid with previous servicers and completed it on time but every since Selene got the loan in XX/XX/2020 they keep saying my modification is in underwriting and they cant take my pmnts. I have tried twice a week since XX/XX/2020 to call and speak with supervisors and make them take a pmnt and they say they have to have someone override their system to take a pmnt and no one is available to override. I can not make a pmnt online or through the automated system. I have not received foreclosure papers but I keep getting monthly statements saying I'm 9 months behind. Several reps through my weekly calls tell me NOT to make a pmnt because it will mess things up. They say I have unapplied money. The reps and supervisors also see the notes and say that the company is being weird with my mortgage and they don't understand and do not know what to do other than send it to their manager and when I call again the last note was sent to manager and nothing is ever done.
Consumer complaint received 2018-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called XXXX today and spoke to rep XXXX, the confirmed receipt of the letter, ftc and police report I sent. They even waived the late fee for XX/XX/XXXX and said that the have already submitted a request to investigate last XX/XX/XXXX which will take 30 more days to complete! This is unacceptable! EVEN FCRA 605B states that the account linked to any ID THEFT MUST BE REMOVED WITHIN 4 DAYS by the credit bureaus! More over, It has been more than 30 days and yet, I received nothing from the bureaus.