davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-25
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: NAVY FEDERAL CREDIT UNION (NJ)

Since I open the account with Navy Federal I had several Fraud or misuse that was allowed by Navy Federal Credit Union they are not protecting my account nor keep the account secure Home Shield charge my credit card without my authorization claiming that they have card number on this can not be true because had my card change several time prior to this unauthorized charge of {$68.00} so how did they get the card number. Please review my account XXXX make sure charges and fees are apply correctly and the Credit Union is working within Federal Government Regulation
Consumer complaint received 2015-05-21
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (OK)

in XX/XX/XXXX i was garnisheed wages for a XXXX dollar credit card, as of XX/XX/XXXX XXXX/and XXXX out of XXXX have taken XXXX dollars out of my pay, this has brought a great hardship upon me, i work as a XXXX making only XXXX an hr. so as you can see, and so can they, there is no way i can afford an attorney.
Consumer complaint received 2020-08-28
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: Experian Information Solutions Inc. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX   XXXX US DEPT ED XXXX {$5700.00} XXXX XXXX  XXXX {$110.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX   XXXX {$2200.00} XXXX/DOFED XXXX {$9500.00} XXXX XXXX XXXX {$340.00}
Consumer complaint received 2016-10-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

I have been a customer of Wells Fargo since XXXX of XXXX when I opened my mortgage account with the bank. I have made over 85 monthly payments to date. Upon reviewing my account history, you will notice that every single payment has been made on time. This is because of my strong sense of financial responsibility- which I know ( although minute ) is an integral part of the financial system. 
The first purpose of this letter is to inform you that I have recently been following the news about the unethical business practices employed by Wells Fargo. As far as I understand, the banks ' strategy, called " cross-selling '', was revealed to be fraudulent. You have used this practice since XXXX to embezzle money from millions of customers. 
The second reason for this letter is to express my deep disappointment with Wells Fargo. I also feel nervous that I 've been doing business with the bank for all these years. I have worked very hard to earn money, provide for my family and always have been honest. The level of dishonestly your bank has portrayed with this scam is beyond disturbing. The revelation of the scheme is making me question every time there was an increase in my escrow payments over the last 8 years and other changes that have taken place. Have I also been a victim of this fraud along with millions of other customers? In addition, what I also find troubling is that you have made no attempts to send any kind of communication to me to reassure that my account is safe and you have not made me pay for anything that is connected to this or other types of schemes.
Consumer complaint received 2016-01-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (OH)

after I deposited XXXX XXXX party checks into my business checking account for a total of {$23000.00} the bank closed my account. I have a business and part of the services that I provided is check cashing. All checks were good, all checks cleared and 2 months later the bank hold the funds and now they are asking to bring to a branch all XXXX checks issuer to confirm the check. 
Because they company checks and XXXX party, I have not relation directly to the check issuer. 
I am asking the bank to give me the money or to give me the checks. They do not want to do it neither. Just bringing the XXXX check issuers to the bank will release the funds.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I declared bk in 2017 however I recently received copy of my fico report and was shocked to see Equifax XXXX and XXXX  reporting thst I have 18 to 30 late payments derogatory accts or negative which none of my accts current or included in bk were ever late!! To the contrary I have an excellent payment history!! Further my EquifaxXXXX XXXXXXXX immediately lowered my score XXXX points when I disputed accts that were not charged off but included in bk!! I already took a hit back when I filed therefore I am being hit again after numerous disputes!
Consumer complaint received 2016-10-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY (MN)

I attended XXXX University and XXXX XXXX back in 2009 and now they are no longer operating in Minnesota due legal or other issues.When XXXX schools closed, transcripts were sent to Mn XXXX. Mn XXXX ca n't find XXXX transcript 's, and XXXX 's credits are not transferable ( which when signed up for XXXX was told they would be ). Now I am stuck paying on a loan and nothing to show for it. Wells Fargo is servicor of my private Loan, and has excessed more than {$3000.00} fees on the loan, because they would not work with me, when explained I could n't afford {$500.00} a month for a payment and it went to write off/collections, the loan was only {$10000.00}. I asked Wells Fargo for a loan forgiveness a year or XXXX ago, due to the XXXX colleges closed in minnesota and XXXX college not being able to have access to transcripts and the other college not be able to use credits for classes taken. I had to start all over at another college because of all this, and with starting all over I now have student loan debt in amount of {$70000.00} for all XXXX schools combined. Wells fargo said nothing I can do, being its private loan. There should be the same options for private that are for federal, and people whos schools closed or other issue and now ca n't use credits or degree.These for profit schools get people to take out private loans because they convince them its needed to finish school. I was young when this happen, and not educated enough to not take out a private loan, or look furthering into fraud these XXXX schools were pulling.
Consumer complaint received 2016-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

Hello my name is XXXX XXXX and my husband 's name is XXXX XXXX. We are writing to you to explain the details as best as possible for the mess of mortgage loan we currently have with the Servicer American Servicing Company. We took this loan out in XXXX and refinance it in XXXX not knowing the bad/predatory mortgage we were entering into. We entered into an adjustable rate mortgage in which payment doubled from XXXX to XXXX per month in the third month, but that really was n't the issue at first until my income was gone and we solely relied on XXXX income my husbands. I start falling behind on my mortgage and It took roughly 3 years from start to beginning for the mortgage company to make a decision and finally give us a loan modification. Now because of the amount of time it took the mortgage company to make a decision we are paying for a mortgage that is XXXX underwater. The unpaid principal amount is XXXX and the value of the property is roughly XXXX. We were sending documents after documents and speaking to a representative in that time span, but they would not make a decision. At XXXX point they gave us a trial modification payment plan in which we paid as we should of, but they ended denying us and putting us back to apply for a modification. I would like for the lender to consider us for a principal reduction since I truly believe the arrears with have not been as high if the Servicer would had made a decision for a loan modification. It took them from XXXX to XXXX to finally approved me for a modification.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 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. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Consumer complaint received 2016-10-10
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo closed my credit card without notice. I 've had an account with them since XXXX/XXXX/XXXX ; it 's the oldest on my credit report. I have never made a late payment. 

Today, I received a letter dated XXXX/XXXX/XXXX stating that my account had been closed due to inactivity for 6 months. When I called them, they stated that they would have to do another hard pull of my credit report in order to reopen the account. 

This puts me between a rock and a hard place : the closure of my oldest account, which has perfect payment history, is obviously bad for my credit score. But a hard inquiry for a credit card will also hurt my credit score for the next two years. 

Wells Fargo claims that they sent a letter on XXXX/XXXX/XXXX, indicating that they would close my account if I did not respond. There is no way to know if this is true, as I never received this letter and it was not sent via certified mail. I was also on vacation from XXXX until XXXX, as Wells Fargo was aware, since my travel plans were registered with them well in advance. 

Customer service representatives confirm that WF did not call me, email me, or send me a secure message via their website. It is my belief that they intended for me *not* to receive this message -- considering that they have exclusively delivered my credit card electronically, for years, I see no other reason why WF would eschew modern means of communication. 

It is absurd and unacceptable Wells Fargo would silently terminate what is by far my longest credit relationship -- I opened the account at age XXXX ; I am now XXXX -- without any notice. The expression " XXXX '' has never felt more pertinent : in exchange for responsible use of credit, they have forced me into a situation that is *guaranteed* to adversely affect my credit score.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to file a formal complaint regarding fraudulent items that have been erroneously included in my credit report. Despite repeated attempts to rectify this issue, the fraudulent entries persist, tarnishing my creditworthiness and financial standing. 

The fraudulent items in question, including [ describe the items in detail, providing any relevant account numbers or reference numbers ], are not associated with any legitimate financial activity on my part. They are the result of fraudulent activity and should not be included in my credit history. 

I have submitted multiple disputes and provided comprehensive documentation and evidence supporting my claims of fraud. However, to my dismay, these efforts have not resulted in the removal of the fraudulent items from my credit report. 

It is imperative that immediate action is taken to investigate and remove these fraudulent items from my credit report. Their continued presence not only damages my credit score but also undermines my financial integrity. 

I request that you expedite the resolution of this matter and provide regular updates on the progress of the investigation. Transparent communication throughout this process is essential to restoring my confidence in your organization and ensuring a satisfactory resolution. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter further, including seeking legal recourse and involving regulatory authorities.I am asking for your assisstance to remove these fraud items in my credit file 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-16
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY (PA)

Received a XXXX form dated XXXX/XXXX/XXXX from TD Bank XXXX It states I had bond interest for ( 1 ) XXXX XXXX for {$550.00} and ( 2 ) XXXX/XXXX/XXXX - XXXX/XXXX/XXXX for {$34.00}. I called customer service on XXXX and spoke with XXXX to inform them I did not cash any bonds in XXXX. She then disconnected me. I called back minutes later and was connected to XXXX, who stated she will fill out a form to begin an investigation. On XXXX/XXXX/XXXX I received a new " corrected '' XXXX form with only XXXX interest entry removed for {$34.00}. On XXXX/XXXX/XXXX I called customer service and spoke with XXXX to inform her the corrected XXXX form was still inaccurate. She informed me she would have this " expedited '' due to it being my 3rd time calling in and that someone would call me and a new form would be sent within 3 days. As of XXXX/XXXX/XXXX I have not received either a phone call ( as promised ) nor a corrected XXXX. I called in to customer service now for the 4th time and spoke with XXXX. She verified my address and stated she just spoke to someone who was going to send a new form. When I asked how much the " corrected '' XXXX was for she stated it was for {$580.00}. I told her that was not accurate and could I speak with the person she referred to that was going to send a new form. XXXX then transferred me to " XXXX '' a supervisor in the contact center. When XXXX got on the call she asked me what was the problem. So now for the 5th time I had to tell her what was wrong. She clearly did not understand what I was asking and stated " we do n't sell bonds at TD bank ''. I explained to her again what the problem was and her response was, I will get back to you. The Contact Center employees clearly do not understand XXXX forms or how to get them corrected. How many times does a customer have to call TD Bank to get an issue corrected. I called 5 times and my issue is still not corrected and there is no end in sight. They are not only reporting inaccurate information to the IRS, they are causing me time out of my day to make all these calls, which the XXXX made today ( XXXX/XXXX/XXXX ) lasted more than 30 minutes on hold with no resolution.
Consumer complaint received 2015-12-16
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

I closed on my home XX/XX/XXXX and my first payment was due XX/XX/XXXX. From that date I have made a payment of XXXX to Wells Fargo Bank ( WFB ), {$100.00}, more than the required payment. ALL PAYMENTS through XX/XX/XXXX were made before being due on the first. ( wfb.pfd XXXX ). On XX/XX/XXXX, I made a mistake in my online billing date for XX/XX/XXXX and dated the pay date for XXXX XXXX. When that payment came out it made my account overdrawn. I quickly called my bank and Wells Fargo and had the payment reversed. ( Wfb.pfd XXXX & XXXX ). With this item being reversed, I thought everything was ok until I started getting calls from WFB say I was late on my payments. I called and talked to a couple of people that did not seem to want to help. Finally I had called earlier and had my bank on the phone and arranged a 3-way call to get this fixed. We were transferred 4 times and finally hung up on. I called back and told them I wanted to speak to a supervisor. I talked to XXXX XXXX and told him of the issue. I told him I had evidence that proved that the XX/XX/XXXX payment was made. ( wfb.pfdH-XXXX thru XXXX ). The next day I talked to him and he seemed to think this would be taken care of in a swift matter. The matter was turned over to XXXX XXXX XXXX who would open a case to fix this. In the mean time I receiving late afternoon phone calls and mail to collect a debt. Phone calls were from XXXX XXXX ( wfb.pfd. XXXX, XXXX, XXXX ). I was receiving a lot of mail for debt collection, when I was not in debt for one day. ( XXXX, XXXX, XXXX to XXXX, and XXXX ). Statements from WFB came showing that the XX/XX/XXXX and XX/XX/XXXX payments were received. ( wfb.PDF XXXX & XXXX ) At this time WFB started playing this reversed items and Applied items making my account status very hard to keep up with. ( wfb.PDF XXXX ). At this time I am so upset that it is causing health concerns, not sleeping good and spending to much time on the phone. To a simple old man I could not make sense of the trouble I was going through, NEVER BEING LATE for any on payment. I still am concerned about my credit report although XXXX said they did not turn information to them, THERE IS NO TRUST WITH WFB. I also found out last Saturday ( XX/XX/XXXX ) that the VA had been contacted ( wfb.PDF XXXX & XXXX ). Again why do you contact the VA when the loan is not overdue for 1 hour in the life of the load. Today ( XX/XX/XXXX ) I received another letter telling me I was late with threats. ( wfb, PDF XXXX & XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-25
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NY)

Back in XXXX of XXXX, I filed for the Income Driven Repayment due to the amount of money I made with the job I was able to find, following graduating from College. I was approved for a {$0.00} payment for 1 year with the time-frame going from XXXX of XXXX to XXXX of XXXX. Assuming that everything would be fine with this approval, I went about my life working and doing my best to make ends meet. I went to check on my account in late XXXX of XXXX to see that my loans were delinquent and had been marked as delinquent with my credit bureaus, dropping my credit score significantly. This started the process of going back and forth with XXXX to figure out what had happened and how this could be resolved. On XXXX, I spoke with a representative at XXXX who stated that the issue was XXXX 's mistake using the statement " Our Bad '' to describe what had taken place. Over the past month, I have made numerous phone calls to various individuals at XXXX and have filed for the company to stop reporting negative remarks to my credit and in fact report these as positive. On XXXX, I received a response back from the credit department at XXXX stating that everything that was documented by XXXX was correct and that no actions would be taken to fix my credit issues. I have been working with XXXX XXXX to remove items from my credit report, but each time they have managed to get something removed, XXXX reports another delinquency creating a circle of unending resolution. If I have a current IDR on file with XXXX  that lasts for a year, why is it that they are allowed to continue to report my accounts delinquent. The most frustrating part is that they are saying the account is current on the client website, yet reporting delinquencies to the Federal Credit Bureaus.
Consumer complaint received 2016-04-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

Please help me. 
I do n't want to lose my home. I bought a house in XXXX 2015. The lender adjusted the insurance premiums to a low amount so i can qualify for the loan according to my debt to income ratio. Five months later they bought a higher premium insurance policy and I end up paying XXXX usd more monthly and its out of my budget. They intentionally did this to make me default my mortgage loan and foreclose. 
My phone number is XXXX The lender is wells fargo The address is XXXX XXXX XXXX fl XXXX Sent from my iPhone
Consumer complaint received 2017-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES ()

I had all my student loan information and online login registered to an employer email and phone number at the time. I had changed employers and was not receiving any of the calls or emails regarding my account. once I realized I did some research and called in to get things taken care of. when I spoke to the loan company I was told if I put my account on a forbearance it would bring my account current and not report any late to the credit bureau. now on my credit report it reports as 120 days late and causing me to not be able to get the mortgage loan I need to provide a home for my family. I called the loan company again to complain about this and they tell me there is nothing that can be done. I spoke to the credit assessment department and a loan manager. everyone says that I was 120 days late and I never was. my account has since been pain in full and still no one will adjust the issue.