davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (CA)

This was back in 2009, but it still bothers me until today. I had a credit card with Wells Fargo bank and did not have a job at the time to pay it off. I received over 5 calls everyday, sometimes right after each other and was threatened over the phone that the police was contacted regarding my outstanding credit card debt and that they plan on issuing a warrant for my arrest. I lived with the harassing phone calls for 3 months until I got a job and started paying the credit card debt I owed. Even though this is over 8 years ago. I still feel traumatized to this day in regards to the phone call and Wells Fargo as a bank. I believe they were extremely unprofessional and at that time I did n't know their actions were illegal until after I paid my entire credit card debt. The amounbt I owed originally was around {$700.00}, but with late fees, overdraft fees, and interest I paid around {$2000.00}.
Consumer complaint received 2021-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After several attempts of contacting these 3 credit agencies to renove this fraudulent information listed on my accoutn after their suppose investigations. Which I believe was never done because at the time of these accpunts being opened I was in prison. I sent information that proves I was in prison.
Consumer complaint received 2018-02-08
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. (PA)

Experian relied back to where I filed a complaint on XXXX/XXXX XXXX regarding my loan with XXXX XXXX   showing incorrect as well as late shows and wrong information showing. Experian when replying back to CFPB needs to have the right information and stop replying back with wrong information pertaining to this account. I talk to a manager for XXXX and he explain to me they was updating the information to send to Experian for the correct information that should show on the credit file. I spoke to a manger on XX/XX/2018 regarding the situation and I was told it was over in the credit department to be adjusted correct and Experian was getting sent to Experian to be updated. And was informed that Experian also was or reported the wrong original amount of the loan as well.XXXX  is no longer XXXX it is XXXX in which took over Formerly XXXX  change names as that information is wrong as well by Experian nor has Experian provided proof documented as to the issue
Consumer complaint received 2018-06-08
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (FL)

I have a loan with ALLY FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and ALLY FINANCIAL with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2018.
Consumer complaint received 2022-09-10
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

According to reviews at the XXXX, this happens to thousands of consumers with this bank! ***** XX/XX/2021 Last charge on card at XXXX  ( Store credit card ) ***** XX/XX/2021 I paid my full balance of $ XXXX XX/XX/2021 I am charged {$3.00} late fee ***** XX/XX/2021 I am charged {$2.00} minimum interest charge***** XX/XX/2021 I again, paid off my balance $ XXXX XX/XX/2021 I am being charged {$2.00} minimum interest***** XX/XX/2021 I am charged {$2.00} Late fee***** XX/XX/2021 AGAIN a minimum interest charge of $ XXXX XX/XX/2021 Paid off balance AGAIN***** XX/XX/2021 {$2.00} minmum interest charge***** XX/XX/2021 Paid off AGAIN***** Support was of no help and responded wit bogus answer
Consumer complaint received 2018-03-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I notified Novient when i found myself laid off and they didn't inform me of any options available to me. They did put my loan in forebarence and reported my payments late on my credit report. I told them I was making less than 800 a month. Rather than educating me on an income driven loan which I would not qualified for. Now I'm again trying to get an income driven loan and I feel they are attempting to put me in a higher payment than what Ive researched my payments should be. I asked them to remove the late payments on my credit report and they have not
Consumer complaint received 2017-10-29
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: EQUIFAX, INC. (IL)

In XXXX XXXX, I inquired to XXXX XXXX XXXX XXXX XXXX for XXXX XXXX. As a result, XXXX XXXX XXXX XXXX XXXX did a hard inquiry into my credit report and reported it to Equifax. 

This was totally unnecessary as a soft inquiry would have been sufficient to provide them the information they needed. I ultimately did not use XXXX as their prices were too high. 

I have accounts with XXXX, XXXX, XXXX XXXX, & garbage collection utility providers for my house. None of these have ever done a hard inquiry when establishing or moving to a new location. If necessary, a soft inquiry was always sufficient.
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have several complaints about my credit file, which contains information that is either partially right or completely incorrect. The file is missing information in most cases, and I believe the information contained in these files to be inaccurate. 
So I want to dispute entire file. It also has some inquires that I want to dispute whose origin is unknown to me. 

My car payment were made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I made all my payments on time, starting in XX/XX/XXXX to about XX/XX/XXXX, for over a period of 3 years with no lates. It was about XXXX per month. But I only see a partial file. I paid a total of XXXX with {$4100.00} for a finance charge, while XXXX of it was for the car. I was always on time with my payments and missed none. Part of those payments are missing from my file, my file does not reflect that. 


XXXX XXXX XXXX has me down as a cosigner, I did authorize them or give them permission to use me as a cosigner nor have I sign a contract with them. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX Who are these people? 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX, XXXX , XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX. XXXX
Consumer complaint received 2020-05-01
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-04-22
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)

Attention to XXXX, XXXX, and Transunion, I am a victim of Identity theft. There is a fraudulent account on my credit report that is not mine. I filed an Identity theft report with the Federal Trade Commission. I have attached proof of my Identity which is my State ID and a utility bill. I have listed the fraudulent account below. The fraudulent information is not related to any transaction of mine. Please block and remove this account within 4 days of receipt according to FCRA Section 15usc1681c-2. The letter is notarized to prove that it is me sending the document.
Consumer complaint received 2018-06-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I was denied a modification on This home on XX/XX/XXXX According to the lender. However, prior to notice of decision to deny which came on XX/XX/XXXX, the lender had an appraiser call me to schedule an appraisal. I was called on XX/XX/XXXX. So they claim they denied me but still needed an appraisal after the fact??!? I am very confused by this. They denied me and then scheduled an appraisal at my expense. How is that fair or accurate. 

I do not think they considered all pertinent info prior to denying my modification. I appealed the decision and they are saying it was submitted to late however it was submitted 2 days after we received notice. They are not giving me time to rebut the misinformation. Nor are they allowing a fair disclosure times, when considering they sent me the denial after the allotted time to appeal.
Consumer complaint received 2018-06-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I am awarded a property through divorce. Wells Fargo has consistently denied my ability to assume the loan and be added to the mortgage note and it is becoming concerning. They are also not providing their reasons for denial in writing so transparency is an issue. Assumptions department is verbally implementing " due on sale clauses '' that may not be allowed in loan assumption processes in cases of divorce or inheritance of a property. They are offering alternative products such as a loan modification with a simultaneous assumption as a way to assume the property but Wells Fargo knows that given the nature of the loan being assumed, a loan modification will automatically become denied. The loan is a MBS loan ( mortgage backed security ) loan which does not have a permanent loan modification. It is unclear why Wells Fargo continues to give me this run around and delay tactics. A lack of transparency, a lack of clear communication and trust is a high concern. I am seeking support in the loan assumption process as a successor in interest in the property to be added to the mortgage note applicable with all regulations that include exemptions for due on sale clauses for successors in interest in cases of divorce or property inheritance.
Consumer complaint received 2021-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

Friday XX/XX/2021 - Two separate times - Sycrony Financial has called for someone who is not me trying to collect a debt - they attempted multiple times in the past and i have told them that i am not the person they are looking for and have told them to put me on the DO NOT CALL list multiple times but they have ignored that statement.
Consumer complaint received 2018-06-08
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. (NJ)

DISPUTED A BANKRUPCTY WITH EQUIFAX ON VERIFIED BUT I ALSO ATTACHED A LETTER I GOT FROM THE BANKRUPCTY COURTS AND IT STATES THE COURTS DOES NOT PROVIDE THAT INFORMATION TO ANY OF THE THREE CREDIT REPORTING AGENCIES EQUIFAX IS GETTING  INFORMATION FROM A THIRD PARTY VENDOR AS IN THE FAIR CREDIT ACT IT STATES THAT INFORMATION HAS TO BE VERIFIED THREW THE DATA FURNISHER AND THAT WOULD HAVE TO BE THE BANKRUPCTY COURTS .BUT THE COURTS DON'T RELEASE THAT INFORMATION I ALSO ASK EQUIFAX TO PROVIDE ME WITH THE NAMES OF PERSON WHO THEY CONTACTED TO VERIFY THIS INFORMATION THEY FAILED TO DO SO .BECAUSE NO ONE FROM THE BANKRUPCTY COURTS WOULD RELEASE THAT INFORMATION.THEY ARE GETTING THAT INFORMATION FROM XXXX XXXX EQUIFAX HAS TO PROVE THE ACCURACY OF THE INFORMATION THEY ARE REPORTING ON MY CREDIT FILE I ALSO HAVE DOUMENTS FROM XXXX DELETING THIS FROM MY CREDIT REPORT AS OF XX/XX/2018
Consumer complaint received 2015-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (IA)

I purchased an item that I never received using XXXX XXXX 's website and it 's retailer credit card. I was told that the purchase would go into dispute, but someone made a mistake and it never did and subsequently the amount owed went past due and collected interest. It was then reported to the credit bureaus. I have since asked XXXX XXXX 's credit services to refund this amount, and again it is in dispute and has been reported in that manner. XXXX were cooperative and changed my information regarding that account accordingly. Experian, however, has refused to update the information and has left the negative information regarding my standing with XXXX XXXX despite having disputed it with Experian XXXX times. I attached the following letter to my latest dispute but they have responded by saying it was updated, but the information remains the same as previous.
Consumer complaint received 2018-06-08
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. (WA)

i disputed with EQUIFAX a collections account with contract callers for a amount {$240.00} that has BEEN PAID and i sent Equifax a copy of the receipt. They emailed me XX/XX/18 saying the dispute was completed but still show not paid as a collection! They have locked me out of checking on this dispute! ( dispute conformation number XXXX )
Consumer complaint received 2020-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NC)

I am contacting you regarding mortgage forebearance under the Cares Act. It is my understanding that the intention is for lenders to provide  mortgage forebearance in the form of adding the 90-day deferment to the end of the loan life. It is not the intention that lenders require the deferment in a lump sum payment at the end of the deferral period, plus then the current month due. This is not what LoanDepot is doing. I attempted to call to inquire about forebearance and was directed to website citing extremely long wait times. On the website, is clearly posted their policy to require a lump sum arrears payment plus current month due payment. This is obviously no help at all. It does add a clause saying you can argue the lump sum payment later but these are the terms that must be agreed to now. Well, I am smart enough to know that if I agree to it, I am beholden to it. I can't risk losing the agrument later and being in a even worse financial crisis. 

I am contacting you in order to alert your organization to this potential violation of the Cares Act. And in hopes of helping other LoanDepot mortgage holders. Company contact info : LoanDepot, XXXX. XXXX XXXX, XXXX NJ XXXX ; loandepot.loanadministration.com ; XXXX.
Consumer complaint received 2016-12-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC. (AZ)

I sent in my payment within the grace period and did not know that I could not send it in two parts. Thus, the company sent the funds back in a cashier check over 2 weeks after I had made my XXXX payment for loan XXXX. They had me sign stop payment forms for their cashier checks so that they could reapply funds to the loan. I did so and emailed back on XXXX. But due to their systems firewall they were not able to open the attachments. I have since, emailed it to them 7 additional times in a pdf and they still can not open it. I have proof of all emails and dates sent. Now they are telling me that it 's my problem and I have a late payment that they will not fix and I have to dispute it. Even though it was sent on XXXX and they could not open it due to system constraints on their end. This is not the consumer 's problem, and as an elderly person I feel I am being treated unfairly and unjust. How as a consumer can you trust a company that is held accountable for my payments and yet they can not open my email. This hardly seems like a reputable establishment. They also do not give out their names when they speak to you on the phone. It is there practice not to share names or escalate a call to a management member. I ca n't help but wonder what they do to other elderly customers that they work with. This seems fraudulent. I have asked them to send me the paperwork that shows I can not make my payment in half and they have not done so. It has been a month and nothing received. What are they hiding?
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I followed the link from XXXX XXXX for the credit card Chase get a {$250.00} credit after 3 months with purchase, one free night and fee waived for a XXXX XXXX XXXX XXXX CC to make a long story short they didnt give me anything but extra miles or points and charged me the {$95.00} fee I have a picture of the ad and have told them that, and they continue to ignore me or say that was not the promotion when I took a picture of it and they refused to have me send it to them. The date is on the photo I applied the same day and was approved
Consumer complaint received 2016-07-31
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Early Warning Services, LLC (DC)

XXXX ( now owned by Early Warning ) is denying me access to a financial service ( money transfer ) due to wrong information about me that they are using, which they will neither share with me nor let me protest or correct. I am trying to transfer money between a savings account at XXXX XXXX and a checking account at XXXX XXXX Bank using XXXX ( XXXX XXXX uses XXXX for their SurePay service ). I initiated the transfer via XXXX XXXX, and XXXX asked me to enter my address, phone number, and last XXXX digits of my social security number. Although I am 100 % sure that the information I entered was accurate, I was notified by XXXX that the information did not match their information. After XXXX attempts I was notified that I am now barred from XXXX service and can never use it going forward. I called XXXX customer service, and was told that my current address does not match their information. I explained that they must have the wrong address for me. I 've been at my address for two years, and asked how I might escalate and have them update their information. They said there is no way to do this, that there is no process for me to escalate or appeal, and that I am barred from using their service forever. They were not even willing to take down a complaint for me. XXXX XXXX does not have another way to transfer money without fees. I am thus denied this financial service based on XXXX 's reliance on misinformation.