davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (NV)

Wells fargo p romoted a {$250.00} cash bonus for opening a new account. I heard of scams about new accounts with them before, but this blatant  one  was alarming. After repeated calls as to why my bonus hasnt posted, I was told it was because they are waiting for a  XXXX  from me. They sent it to me in beginning of  XXXX . I sent it right back. I was also promised over the phone alternate information : All i needed to do is make  10  purchase with check card by  XXXX   XXXX  ( no mention of  XXXX  form needed at all! ). For good measure, I decided to mail them back the  XXXX  regardlless. It was not until the    XXXX   XXXX   XXXX   th at they confirmed they received the  XXXX . After writing to them about where the cash bonus is, I received a reply on the    XXXX   XXXX   XXXX   fr om "  XXXX  '' that they finally " received '' the  XXXX  form and the bonus should post in  3-5 bu siness days! I followed up on the    XXXX   XXXX   XXXX   a s to the whereabouts of the bonus, in which I was told that, sorry, I will not be getting it and I was lied to by their reps!! I am outraged. I feel I was lured into opening a new account and the {$250.00} requirements were purposely miscommunicated as part of their scheme. A bank as big as big  as Wells Fargo can  not mislead their customers repeatedly ( over messages and over the phone ) as part of their game to have people open accounts with them. I demand the {$250.00} bonus at once.
Consumer complaint received 2016-10-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CT)

On XX/XX/2016 at approx. XXXX., {$64000.00} from our Real Estate IOLTA account at Wells Fargo Bank was to be wired into XXXX for a closing which took place on XX/XX/2016. XXXX XXXX was the banker who supposedly did the transfer. We have confirmation of Outgoing Wire Transfer Request and confirmation that the money was taken out of our account. Wells Fargo Bank never processed the wire transfer. On XX/XX/2016, I spoke with the banker, XXXX XXXX and bank manager of the XXXX, CT branch of Wells Fargo, XXXX XXXX, where the wire transfer transaction occured. He stated that it was their fault but could not offer any reason as to why the transfer never happened. This has long reaching ramifications for our law office, not to mention the fact that the Seller 's attorney can put a grievance against our firm due to the failure of Wells Fargo to process the wire transfer.
Consumer complaint received 2023-03-27
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. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. US DEPT OF ED XXXX 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2020-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

On XX/XX/XXXX, I contacted Navient to inquire about why I am continuing to be charged interest on my student loans. The representative indicated that my loans with Navient did not qualify under the CARES Act because they were acting as a " collection agency '' on my loans. The loans were previously defaulted on and  were held by XXXX. In XXXX, the loans were then sold to Navient and I began receiving correspondence from Navient regarding the loans. When the loans were transferred from XXXX to Navient, there were excessive fees added to each loan that Navient is now collecting on and charging interest on these fees by deceptively adding them into the total balance. I now have loan balances that are upwards of 95 % more than the original loan amounts. I asked the Navient representative for an audit of my account and was advised that I could not receive one. Original first dates of delinquency prior to XXXX have not been acknowledged. Also, XXXX is acting as guarantor of my student loans for the Department of Education. Navient is only either " collecting '' or servicing, however Navient has not made it clear exactly which capacity it is acting under.

Subsequently, each month, my balance is doubled and interest is charged and reported to Transition, hurting my credit score although the loans are supposed to show deferred as I am currently in school. The fluctuations in the total amounts owed is causing undue hardship to me because these balance fluctuation are affecting my overall debt to income ratios, diminishing my credit scores and giving an inaccurate picture of my credit worthiness to potential creditors that I may wish to work with.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AL)

I requested that each bureau ( XXXX and Experian ) to remove derogatory items from my credit report more than once. I got responses concerning other irrelevant issues but no action or investigation was submitted. By law i'm am entitled to the sum of the items and you must remove block all derogatory items.
Consumer complaint received 2018-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SD)

I opened a secured credit card with XXXX XXXX XXXX in XX/XX/XXXX. My credit report shows that I had no delinquent payments from XXXX until XX/XX/XXXX. Between XXXX and XXXX of XXXX I was in contact with XXXX XXXX XXXX to close the account. My main concern with the phone calls was that I would not have a negative mark on my credit report for closing the card. 

Upon checking my fico score and credit report this year, I discovered XXXX XXXX XXXX did in fact mark my payment as 30 days late. Additionally, they refused to give me credit card statements for several months due to going from an in third party credit handler to an in house credit handler. 

Attached is an email with the contact information of the person I spoke with, My final statement showing I had a {$0.00} balance in XX/XX/XXXX, a printout from the credit monitoring company I am using showing that I do have a 30 day past due mark on my report which is false and occurred while closing out the account.
Consumer complaint received 2024-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (AZ)

I consolidated my federal student loans with Dept of Aidvantage. During the application process in the student loan portal it stated that my monthly payment would be {$84.00}! 

Once I received the final loan agreements, which were very confusing to read, the monthly payments were never presented accept one copy that was estimate of {$900.00}. I called customer service and they stated it the {$900.00} payment was inaccurate and that the {$84.00} payment shown to set me while setting up the consolidation was just an estimate and that my new monthly payments should be around {$140.00}. 

The online application on studentaid.gov NEVER stated those were estimated monthly payments. I was under the impression that this would be my monthly student loan payment! 

After performing a credit update this new consolidated student loan is currently reporting a HIGHER monthly payment in the amount of {$770.00}! I am so frustrated at this point. This inaccurate reporting has impacted my debt to income ratio tremendously. I did not agree to this monthly payment. This payment was not stated in any of the loan documents sent by the servicer. I thought the SAVE plan was put in place to be affordable?
Consumer complaint received 2020-10-18
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)

have ftc on file and police report account XXXX for XXXX $ from XXXX XXXX XXXX in this account was removed and should have been blocked all three credit buearu are reporting this account as a collection this was removed found unverifiable over 2 years ago havent recieved any letter saying this account was being reinstated please remove
Consumer complaint received 2018-11-30
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: Experian Information Solutions Inc. (MI)

A debit collection company called " XXXX XXXX XXXX '' is reporting to my XXXX Credit report for a debit. They are claiming that this debit is from a hospital bill from XXXX of XXXX and became delinquent in an or " opened '' in XXXX. They are telling me it will remain on my XXXX  report until XX/XX/XXXX. This account is actually from XXXX of XXXX and became delinquent in XXXX. This has been on my report for over 8 years any should have already been removed. I have contacted XXXX  by phone, email, and US post office 7 times. They will not help and XXXX XXXX keeps reporting in Accurate information to them. Please help. 

My name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX
Consumer complaint received 2017-10-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (IL)

I have contacted my mortgage company roundpoint consistently over the past 2 months to try and resolve my escrow issue. I have asked repeatedly for a copy of my original documents to be sent to me but have yet to receive those, or find a resolution for my account. I have now been assigned to 3 different customer advocates none of which are ever available for calls nor do they return my calls. In the interim I have reached out to customer service to try and resolve this but have been told every time I need to speak with my customer advocate, which never pans out. I am unable to contact anyone or receive a response.
Consumer complaint received 2015-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

I bought my property with an XXXX loan. My first loan was succesfully modified making my payment much more affordable. I applied for a loan modification on my XXXX mortgage in several ocassions but it was never approved. This loan was serviced by XXXX XXXX XXXX, and In XXXX of 2015 I received a 1099-C tax form canceling such debt. I properly reported this cancellation of debt in my 2015 Tax return. A few months later I was contacted by Green Tree Servicing LLC, informing they just took over the servgicing of such loan. I was advised by a Housing Counselor to report the incidents since this can be related to a phantom debt scam.
Consumer complaint received 2018-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Sterling Infosystems Inc. (NJ)

On XX/XX/XXXX a consumer report back ground check was checked status complete report number Id XXXX. upon review of that background report, under label 'criminal check by jurisdiction ' an alert was caste. the criminal case found is dated for disposition XX/XX/XXXX. upon review of 'rights of the fair federal reporting act - Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 

I am filing this report on XX/XX/XXXX ; 9 years after disposition. This type of outdated negative reporting may cost me my job. that financial loss is an estimated XXXX dollars per yearly income. last year federal taxes report was {$8900.00} XXXX. As you can see. this type of negative reporting is detrimental to my current living and economic status.
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NJ)

case number XXXX. 
Equifax has not sent me full details on its investigation including copies of all of the source documents including the person who did the verification with their telephone numbers. I also need copies of the contracts or applications for XXXX XXXX XXXX XXXX XXXX i am still missing information on the credit reporting. where is a copy of the source information. it has been well over 30 days. 
CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file
Consumer complaint received 2015-09-26
Product: Bank account or service — Cashing a check without an account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP (OH)

Approximately a half hour ago I visited a US Bank ATM/branch inside a XXXX grocery store. I left my debit card in the ATM slot too long and it ate my card. I immediately looked went to the teller who advised me to get my ID out. He retrieved the card, noticed I am not a US Bank customer, and advised that " by law '' they could not give me my card unless I am a customer. 

XXXX XXXX the branch assistant manager ( XXXXXXXXXXXX ) advised that this us because they do not know why it ate the card ( he was looking right at it ). He said it could be fraud or anything and even though Inhave an ID he wouldnt know the reason. I asked if he would know the reason if I were a US Bank customer. He said he would. Which also does not make sense to me. 

XXXX advised that he can assure they would destroy my card for me. 

Branch XXXX XXXX Assistant Branch ManagerWhy can he stand there and keep what is mine when literally a minute prior the ATM took my card and I have a drivers license? Why can he return the card if I were a USBank customer but not otherwise? What " law '' states that he can not return my card to me because he does not know why the ATM ate it, though apparently the " law '' allows him to if I were their customer?
Consumer complaint received 2015-10-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc. (AL)

i have a reverse mortage with reverse mortage solutionsI am on a fixed income they require me to pay XXXXper month to pay the premium I only receive XXXX permonthI have a home onwers policy and auto insuranceutilites and dr and XXXX bills
Consumer complaint received 2022-09-05
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: Experian Information Solutions 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. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Date Opened XX/XX/XXXX XXXX $ XXXX Late Date XX/XX/XXXX
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

contacted  XXXX , Transunion and   XXXX   from   XX/XX/XXXX - X/XX/2017  conc erning inquires that were removed from credit report that still appears on there. they advised that they were removed. keep calling back now they tell me that I need to contact the companies that requested my report. I contact those companies and they refer me back to the Agencies. this is an on going issue that I want to have removed. I have also had addresses on the account that did not belong to me. My father was put as my husband.   XXXX   list other people names and ssn on my credit report. The last updated report received from   XXXX   had full ssn of other people that is a violation. They mixed up files. only  1  address and employer should be listed on my file. Every time you call now everyone is a supervisor at  XXXX  and Transunion and cant help you. The purpose of putting a fraud alert and security freeze is to be protected from theft. These companies are allowing others records to be mixed with different people and if you call to validate and have the information removed its always an excuse. When I call to check on status of disputes I will get a letter in the mail stating that it has been extended due to recent inquires. This is not acceptable.
Consumer complaint received 2016-09-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION (FL)

My wife took out several loans in the past with Sallie Mae, that were federal loans and she was able to consolidate them, however while I was going to school I took out the same loans but did not know that this particular loan had become a private loan when Sallie Mae broke away and became a private bank. I now have over {$45000.00} in student loans with Sallie Mae along with {$60000.00} in consolidated loans and was told that my monthly payments would be about {$550.00} on top of my wife 's student loan payments and my consolidated payments, leaving us with a {$1200.00} student loan payment each month. I explained that I could not afford this payment and needed to know what my options where. i was told I could defer the payments for 3 months but would have to pay a {$150.00} in order to apply for the forbearance. When I asked what my other choices where they told me that I would have to prove i could not afford my payments and that they could possibly lower the payment but this would extend it from a 12 year loan to a 20 year loan. I have not had good service from the company and many have no idea what they are talking about. I was told that i could consolidate this loan even though it was private, I was told I could do a year forbearance, and I was also told that I did not have to pay any fees. This loan company seems very incompetent and only worried about what they will get paid. When i finally spoke with a supervisor I asked " what do i do if I can not afford this loan, what are my options? '' I was basically told that there were no options except to pay the {$150.00} for the forbearance for 3 months or pay a lower amount or pay the loan off ( i ca n't afford to make payments and I am going to pay the loan off? ). So what was left is to not make payments because I can not afford them, kill my credit for 7 years as well as having my wages garnished ( if that is even possible with a private loan ). Someone really needs to look into the companies practices as I was told also by a rep that this was not originally a private loan but became a private loan when the company split.
Consumer complaint received 2018-11-30
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)

I have written the 3 credit bureaus about the information that is contain into my credit report. I have been writing letters back and forth for a while now concerning the alleged student loans that has been inserted into my credit report. I have also provided a police report, I have also written the XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX all of whom I am finding out that continues to past the baton to the next entity. I have asked for a record of account ( s ) so that I am able to see where this allege loan ( s ) went. All I have receive from XXXX XXXX XXXX, XXXX was a bill. There has not been any original documents which is signed in wet ink by me. 
The time frame was during XXXX. 
I have asked that this information be deleted from my credit file. The bureau ( s ) XXXX   and TransUnion have Deleted the information, then every 30 days or so after the dispute re-age the information which continues to affect my credit score. Information that is presented on the application is incorrect. Loans are being transferred and sold from one lender to the next. I have been following cases where XXXX XXXX, XXXX has been sued in court. I have also done my research that many of these students are insured by surety bonds, and the loans has been paid through the surety bonds and then the schools loan providers violates potential students. 

I have asked XXXX and Transunion not to put disputed items into my records, I have asked the bureaus to send me the contact person who was supposed validated the information that I have request without going to the data storehouse such as XXXX XXXX, XXXX. This is not properly following the law. The Student Loan providers are extorting money from people in general because if a loan has been defaulted, the lender takes out what is known as a surety bond that covers the loan. This is how loans are being then past or transferred over to another lender, then the lender comes after the supposedly student, and finally continue to report derogatory information on a individual credit report. This is damaging peoples credit.