davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo bait and switch scam. 

They offer a {$400.00} checking bonus on their website XXXX XXXX   XXXX And then are declining customers with perfectly good credit. They declined me and sent me a deceptive email requesting that I can not open the account online, yet IMPLY that I can still get the {$400.00} bonus by simply presenting identification inside a branch. 

***The branch has no ability to complete the process that was offered by the Wells Fargo Online Department XXXX That is clearly deceptive. XXXX The branch then attempts to call the online department for verification. The online department redirects the branch to call the sales department, and the sales department redirects the branch to call the online department in circular fashion so the issue never gets resolved! 

This is a bait and switch because when you apply, you will automatically be decline after 24 hours no matter what you do. They deceptively told me to " unfreeze '' all my credit bureaus, and after doing so I still got declined! I have perfect credit and they simply want me to open an Everyday Checking account with no bonus in the branch, after initially attracting me with a {$400.00} offer online that they have no intention of fulfilling.
Consumer complaint received 2018-03-20
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: Experian Information Solutions Inc. (WI)

After my divorce was finalized on XX/XX/XXXX and my ex-husband took full financial responsibility for the mortgage, but before he completed the sale of the condo on XX/XX/XXXX, he stopped paying the mortgage payments resulting in two months of nonpayment on a {$140000.00} mortgage.

It is now reflected on my credit score and XXXX XXXX  has declined to make any effort to rectify my credit score even though I was not legally liable for the mortgage payment per my divorce settlement.

I have filed disputes with the three credit reporting agencies and provided my court-stamped marital settlement document : XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ), and XXXX  ( XX/XX/XXXX ). During their investigation, XXXXXXXX XXXX  confirmed that the mortgage was in my name and the credit reporting agencies closed the dispute. 

Per the marital settlement, I did not have legal authority to conduct or otherwise speed up the sale of the property while my ex-husband was failing to pay the mortgage.
Consumer complaint received 2018-03-20
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. (WI)

After my divorce was finalized on XX/XX/XXXX and my ex-husband took full financial responsibility for the mortgage, but before he completed the sale of the condo on XX/XX/XXXX, he stopped paying the mortgage payments resulting in two months of nonpayment on a {$140000.00} mortgage.

It is now reflected on my credit score and XXXX XXXX  has declined to make any effort to rectify my credit score even though I was not legally liable for the mortgage payment per my divorce settlement.

I have filed disputes with the three credit reporting agencies and provided my court-stamped marital settlement document : TransUnion ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). During their investigation, XXXX XXXX confirmed that the mortgage was in my name and the credit reporting agencies closed the dispute. 

Per the marital settlement, I did not have legal authority to conduct or otherwise speed up the sale of the property while my ex-husband was failing to pay the mortgage.
Consumer complaint received 2023-04-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (GA)

About XX/XX/XXXX I called Navy Federal Credit Union about a home equity loan. 

I was transferred to Mortgage department and spoke to a man who gave his MLS #. 

I said there is a first mortgage and another lien. When he asked what was owed on the other one I said about {$10000.00}. When he asked what was the original amount I said about {$40000.00}. I then explained no payments are due on that lien as it was structured where after 5 years it would be paid in full. Each year the amount would be forgiven by 20 % until year 5 where balance would be reduced to XXXX. XXXX is the start of year 5. Its paid in full around XX/XX/XXXX. 

XXXX XXXX sent me an email requesting two different items. 

Per XXXX on one occasion the underwriter wanted proof I was a telecommuter employer with a letter from my manager. 

On another occasion after I sent documentation showing my HOA fee had been paid, XXXX said the underwriter was requesting a formal letter from my Homeowners Association on the HOA letter head. 

I went online and emailed her the standard document from the HOA website. I then called her and she said Oh Im reading it now. Ok this is fine. 

She NEVER sent it to underwriting. It appears underwriting did not request any of those documents. She did this to delay the long process. Unethical. 


On XX/XX/XXXX I received a call from XXXX XXXX who stated she was setting the closing up for week of XX/XX/XXXX. 

On XX/XX/XXXX XXXX called and said the title was denied due to a silent lien on the property. I explained that lien was disclosed at the time the application was taken. She said Im sorry you was misinformed. Navy Federal made the mistake. I was disclosed the lien at the time the application was taken. 

XXXX who seemed giddy almost laughing said the title review shows a balance of {$43000.00}. I said the title review is wrong. 
XXXX then stated the only way to do the loan was for the customer to agree to increase the loan amount by {$43000.00}. I said that makes no sense when the amount owed is {$10000.00}. This has got to be illegal. 

I asked for a supervisor she said shes busy. I asked to be transferred to her voicemail she refused to transfer the call. 


How many other customers have they done this to?
Consumer complaint received 2022-09-07
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: EQUIFAX, INC. (OK)

On ( XX/XX/2022 ) sent a letter regarding inaccurate 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 Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

the investigation was not thoroughly done. a collection agency is fraudulent saying i owe money to a previous property management customer from a customer i represented. we never went to court. before i closed the company we had a dispute over repairs and amount owed. this is not a personal debt or a loan.and the credit collection agency has no proof of such.
Consumer complaint received 2017-01-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TN)

I applied online for the Chase Southwest credit card. I was denied for having too many accounts with chase. I have a checking, savings & Amazon credit card with them. The Amazon card was originally offered through another bank, XXXX if i recall correctly. 
My fianc, applied for the same Chase Southwest credit card, and she was approved. 
Here is my grievance ; I have a higher credit score & earn more than she does. I believe that my name was profiled for being a XXXX name. My fianc does not have a XXXX name.
Consumer complaint received 2022-09-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

In XX/XX/2022 we started a loan modification program with the Mtg Co that held our 2nd Mtg. This loan was due to balloon in XX/XX/2022, and CCO suggested we apply for a loan modification since our credit was recovering and not strong enough at the time to refinance with a good rate. The total amount of the loan was only {$20000.00}. Since XXXX, we have submitted all papers and requests in order to be approved for the modification. We were told that our appraisal was not done properly, ordered by CCO, and had to be redone. We still do not have a proper loan confirmed and we have been reported to the credit bureau as being seriuosly deliquent. I have a son going to college and I can not get a loan for him or the things we need in our lives. I recently got into a horrible car accident that declared my 3 year old car a total loss and I can not aqcuire a new loan for a car because this modification process has ruined our credit to the point that no one will give us a loan, and we are still being reported as delinquent on a Mtg each month. This whole thing has turned our family lives and work lives upside down. They have us in a financial hostage situation. We are trapped with no way to get a loan for anything and no answers as to what is going on with our loan modification. I have called dozens of times and no one can tell us exactly what is going on. We are at a loss of what to do.
Consumer complaint received 2016-09-19
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

Attached evidence of fraud by debt collector XXXX XXXX XXXX, debt collector creation of e-title agency, and under the control of its parent company XXXX, SELECT PORTFOLIO SERVING, XXXX BANK AND XXXX BANK inflating Principal balance increasing, rather than decreasing. assignments fraud, substitution of trustee fraud, etitle agency fraud, debt collector law firm counsels XXXX XXXX XXXX XXXX XXXX notary fraud, notary stamp fraud, DOCUMENTS prepared by debt collectors and XXXX with tutle of document control who had no knowledge what they are signing when XXXX XXXX forms are sent from debt collector law firm XXXX associates, XXXX XXXX XXXX and XXXX associate and it subsidiaries they use .PO.BOX OTHER ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Telephone : XXXX Facsimile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone : XXXX Facsimile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Main Phone : ( XXXX ) XXXX Facsimile : ( XXXX ) XXXX Virginia XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Main Phone : ( XXXX ) XXXX Facsimile :
Consumer complaint received 2017-05-31
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. (NY)

On  XXXX   XXXX , i received a credit alert saying I have a 30 day lateness with  XXXX . I immediately called them to let them know there must be some type of error because i set up auto pay with them. I was told today that there was a glitch in their system and that my auto pay was never processed. Now, I do n't have any other lateness 's on my credit report. I take pride in having Excellent credit and this error is causing me not to get approved for my mortgage loan. Can you please  correct this lateness as it was a glitch on their part and not mines. I 'm looking forward to move my family into our 1st Brand new home. Thank you in advance!
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (TX)

Regarding whom it may concern : The data listed below is what I saw on my credit report and has to be removed right away from your files. Additionally, as the data above shows, your agency is not providing correct information. When a consumer reporting agency creates a consumer report, it must adhere to reasonable processes to ensure the highest level of accuracy possible in the information about the individual to whom the report relates [ 15 USC 1681e ] ( b ).
Consumer complaint received 2021-09-01
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: Experian Information Solutions Inc. (MD)

I have a loan being financed through XXXX XXXX XXXX XXXX. It is not being report on my consumer report. My consumer file is inaccurate and incomplete. Its not reflecting my payments to my lender. Under FCRA 611 laws I need my account to report to my consumer file.
Consumer complaint received 2016-06-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (IL)

I filling a complaint because Equifax has ignored my request to provide me with the documntation that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that i have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This company is once again in direct violation of 15 U.S.C. 1681c-2 ( a ). On XX/XX/24 I sent certified mail # XXXX identity packet phone number XXXX. Its been over the time limit allowed under the FCRA and the unauthorized information is still on my credit report to which it should have been blocked.
Consumer complaint received 2016-12-23
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (RI)

I recently contacted a credit card company through my bank to apply for credit to pay for a roof that my house needs. I want to know how much credit I will be extended before accepting the card they can not answer without issuing me a card. I do n't see you why credit card companies ca n't tell the customer how much credit they will extend them before signing them onto a new card???
Consumer complaint received 2015-03-22
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

To Whom It May Concern ; Back in XXXX or XX/XX/XXXX we applied for XXXX of those Making Home Affordable loans with Wachovia which is Wells Fargo now, because me and my husband, both lost our jobs. Those loans were supposed to be 30 year fixed loans and the usually reduce your principle balance so you will have a smaller payment that you can afford. Well first they said we did n't make enough money, so we had to add my daughter 's income to show more income so they would approve us, because I was on unemployment. And then when we finally got temporary approval, first we had to make XXXX payments on time and then it was made a permanent loan. Well to start with our payment before we got this loan was about {$910.00} after our temporary loan was approved, our payment went up to {$1000.00}, starting on XX/XX/XXXX, then XXXX payment on XX/XX/XXXX and XXXX payment on XX/XX/XXXX, so our payment went up instead of down, they did n't reduce our principle balance like they should have so our payment would be smaller, that was the purpose of the Making Home Affordable loans, but that never happened. Plus it should have been a 30 year fixed, but it was n't because we just noticed that in XXXX of this year our payment will increase and again in XX/XX/XXXX it will increase again. I do n't know if you can help us out and do anything about it since our loan was done wrong, because it did n't make the payment affordable to us so we could pay it ourselves, so for now my mother in law pays our house payment for us because we ca n't afford it and she does n't want us to lose our home, but she ca n't do that forever. We need to get this loan corrected the way it should have been. Because my sister that lives in XXXX, CA got a Making Home Affordable loan last year in XXXX and they reduced her principle balance and her monthly payment went from {$1500.00} a month to {$500.00} a month, that 's the correct way it should be done. So can you please let me know if you can do anything and help us to get our loan corrected? Please help us out if you can!!!!! Let me know what info you need from us, if you can help us. Thanks!!! 
Sincerely, XXXX & XXXX XXXX
Consumer complaint received 2022-10-06
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. (TX)

I asked all 3 credit bureaus ; XXXX, Equifax, and XXXX, to do a verification of my credit report due to identity theft, and inaccuracies and they did, EACH BUREAU stated everything was accurate. I then did thorough research myself and i found improper inaccuracies all throughout my reports. I attached my credit report below with all EVERY ACCOUNT with the inaccuracies and the ones that are not mine. In accordance with the Fair Credit Reporting act converging ANY ACCOUNT violates my rights. 

15 U.S.C. 1681 section 602a. States that i have the right to privacy.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. They can not furnish a account without my written instructions
Consumer complaint received 2016-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

Describe what happened so we can understand the issue ... 
I have several inquiries on my credit report from 2014 through today. 
At one point I got them all taken off and now they are back on? Please help. What can I do. Here are the ones that have been removed and now are back on.
Consumer complaint received 2024-05-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I am auto class member of XXXX XXXX  XXXX. My federal has been discharged due to being defrauded by XXXX University. I should get full resolution with my private Navient Loans as well. Ive been reading online that they are starting a pilot program for borrowers defense and some lucky individuals are getting their private loans discharged and some even refunded because they were tricked into going to school which has happened to me. I would like my payments to Navient and Sallie Mae before that refunded to me because this falls into the same scam schools.
Consumer complaint received 2015-08-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Cedars Business Services, LLC (MN)

Cedar Financial has been contacting me during my work hours ( lady by the name of XXXX XXXX ), harassing me that I owe the XXXX money for a driving ticket for driving through a restricted access area in the city of XXXX, some time during XX/XX/XXXX. They stated they mailed the documentation to me to XXXX XXXX XXXX, XXXX, XXXX, in XX/XX/XXXX, but I have not lived there since the end of XX/XX/XXXX. I will provide documentation that I purchased and moved to a new home in XX/XX/XXXX. I have moved XXXX times since that address in XXXX, to XXXX different states in the USA. Per the XXXX, since they were not able to contact me within 1 year of the violation, this violation should be deemed invalid, and I owe no debt. Now, Cedar Financial, is asking me to pay XXXX the fines that were supposedly incurred in XXXX. Although I did travel to XXXX, I do not believe that I was in violation of any traffic law, nor was it indicated to me by the rental car company that driving to the hotel would be in violation of a traffic law.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.