davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: WELLS FARGO & COMPANY (UT)

I have over {$2000.00} a month I am currently supposed to pay in student loans. I am in the income based repayment plan for my federal loans, but my private loans have not been able to work with me XXXX XXXX and Wells Fargo XXXX. I have already files a complaint with XXXX seeing as I have tried everything and am now forced to pay them every month, leaving me unable to make other payments to survive. However, Wells Fargo does have a income based repayment plan, which I was very excited to be a part of. However, after I sent them everything they needed to see if I qualified they told me that " even if we reduce your payment to {$1.00} a month, you still would n't be able to afford it ''. Therefore, they did nothing and I am required to pay near {$700.00} a month to them. I have tried offering to pay $ XXXX/loan a month, but they will not take it and say it will still charge off. I am left helpless, hopeless and unable to function. I am begging for help. I desire to pay my loans, as I am the one who took them out, but I ca n't survive this way.
Consumer complaint received 2016-01-01
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Designed Receivable Solutions, Inc. (CA)

They repeatedly call and harass me when I have expressed a desire to work with them but I need a reasonable amount of time to make reasonable payments. They are coy, refuse to identify themselves, and are generally threatening and harassing. I am willing to work with someone reasonable but they are acting like thugs.
Consumer complaint received 2015-10-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO. (CA)

I did enter in a Vehicle loan by a vendor which used tactics which make the whole process a nightmare. Over time, I did have to contact the bank ( XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX ) to renegotiate the loan due to financial hardship issues in my family. 

Per some unknown reason, the bank keep denying the process without any reason. 
When I contacted them ( several times ) l the bank asked me to find a " loan assistance specialist '' from the closest branch office. 

When I went there and explain the issue to this " specialist '', the only thing he did was pickup the phone and dial the same phone number which I did previously contacted. 

This time, they defer one single payment to 30 days more and they asked me to request " refinance '' via an on-line process. This last was denied without clear reason and I still asking them for help which they keep denying. 

Is there any way to get any help from this bank?
Consumer complaint received 2015-06-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (VT)

Wells Fargo dealer services is reporting a 60 day late on all credit reports. I was told by XXXX in their collections department that if I paid a set amount they would move my XX/XX/XXXX payment to the end of my loan and I would not receive a late mark on my credit. Wells Fargo did not follow through and I now have a 60 Day late mark, even though I completed everything that was asked of me.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2017-03-18
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: ALLY FINANCIAL INC. (AR)

After conducting further research, in an effort to find out why ally bank/auto has been so adamant in trying to refute my Promissory Note, that is obviously, and clearly legal tender with paying off a debt with banks ; I discovered that fraud and a breach of agreement was committed by ally bank. After our contract was assigned to ally bank, through XXXX ; ally bank opened up a transaction account ( s ) in I and my wife 's name, from a Promissory Note that we signed, that became an asset for them, that they monetized, for creating the funds, for what they call a loan, that was really an exchange. Ally used our Promissory Note in exchange for our transaction account ( s ) as legal tender, and yet they say that it is not recognized and accepted by them as monetary tender, what kind of sense does that make! Ally bank opened up a transaction account in our name, without our permission, and we did n't receive a receipt for the deposit that was made from the Promissory Note! Ally bank violated the banking law GAAP! If Ally Bank tries to refute this, then I will demand full disclosure of ally 's Book Keeping Entries per the GAAP, that proves everything I said to be true! Also in the GAAP agreement, it states that the borrowers can repay the debt using another IOU-Promissory Note payable in the same specie of money, money equivalent or credit or funds or capital that the bank or financial institution used per GAAP to fund the loan, thus ending all interest and liens. How is it that ally bank dont ' understand the banking laws they are suppose to abide by!? The other proof to what I 'm saying is mentioned in the Federal Reserve Publication, page 3, it confirms that banks do n't give loans and that the Promissory Notes are to be deposited into a transaction account as an exchange. Last but not least, ally bank only gave me back one of the Promissory Notes I sent them, and even if they would have sent me back both of them ; they still could have made a copy and deposited them. The only way to tell is what the Bank Book Keeping Entries show, if I have to go that far ; all I want, is what is rightfully ours, the Title to our truck, showing paid in full.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As of XX/XX/XXXX, XXXX XXXX is refusing to remove the late payments from two of my accounts with them. Even though XXXX XXXX mailed me two letters dated XX/XX/XXXX stating that the late payments would be removed. 

The letters state verbatim : Letter # 1 : " We found that your payment history was incorrect on your credit report, so we sent a request to the credit bureaus to remove the past-due history for XX/XX/XXXX to XX/XX/XXXX. It may take the credit bureaus up to 60 days to update your credit report. For more information about credit bureau reporting, please see the Credit Bureau Frequently Asked Questions on our website, www.capitalone.com/credit-cards/faq. '' AND Letter # 2 : " We found that your payment history was incorrect on your credit report, so we sent a request to the credit bureaus to remove the past-due history for XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. It may take the credit bureaus up to 60 days to update your credit report. For more information about credit bureau reporting, please see the Credit Bureau Frequently Asked Questions on our website, XXXX '' I spoke with XXXX XXXX on a recorded line on at least three occasions : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On all three occasions I spoke with a supervisor/manager. 

On XX/XX/XXXX : they said someone must have dropped the ball, and insisted this issue would be resolved for BOTH accounts. 

On XX/XX/XXXX : they apologized again, saying they had to resend letters with NEW dates ( dated in XXXX ) so by the accounts ' XXXX reporting cycles, this issue would be resolved. I was also assured that someone would follow up with me. 

On XX/XX/XXXX : the supervisor told me that only one of the two accounts had notes written on them. She also said that despite what XXXX XXXX agreed to, XXXX XXXX reinvestigated the account and decided that the late payments were going to stay. She stated that XXXX XXXX can not do that and assured me that if I dispute, they should see the letters on file in the account, and remove the late payments. I am not going this route because this is absolutely ridiculous how long this has taken for something that was supposedly resolved in XX/XX/XXXX. She agreed. 

I will never be able to get my time back that I have lost in my attempts to resolve this issue.
Consumer complaint received 2015-10-12
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo collection department has been auto-electronic dialing our phone number, which is on the do not call registry, and our loan is current, and not in collection. We have asked them in writing to stop. They ignore the requests. Last week we were called at least XXXX times by Wells Fargo auto dial, and a non English first language person who we could not understand left a message. We saved it so we can prove we are getting these calls.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NJ)

I applied to NAVIENT for a an lower payment Income Based Repayment plan and have NOT recieved anything as to the status to my request to date. I am a XXXX on fixed benefit income, and really CAN NOT afford to repay this student loan. Am I eligible for loan Forgiveness? Thank you for Any HELP!! 
School attended : XXXX, Maryland.
Consumer complaint received 2022-01-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have notified TransUnion several times that my last name is being reported incorrectly. I send them a copy of my Drivers License, Social Security Card, and a Utility bill. So far they have refused to make the change on my file. Also I disputed two credit card accounts. The notation that they put on each of the accounts was just updated. They are in violation of the law. They did not put a statement on each of creditors listed below that these accounts are being disputed by the consumer. This is a clear violation of the law. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX  Attached is a copy of Credit report from TransUnion
Consumer complaint received 2022-01-20
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 — Was not notified of investigation status or results
Company: LEXISNEXIS (MI)

I send in a dispute about an account and information that they are sending to XXXX, XXXX, and XXXX and they never responded with proof that they verified the information they claim is verified.
Consumer complaint received 2016-03-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

i originally opened a checking account with XXXX XXXX. XXXX was bought by Wells Fargo. the terms of the account was that it would be a free account. once again, Wells Fargo is attempting to change the terms of the account and charge basic fees for me to remain a customer. there is no address at which to file a complaint. there is no email address. i called. the rep had no power to do anything. i requested a response to my complaint, in writing. have heard nothing from Wells Fargo.
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (WA)

Last year 2018 I tried XXXX XXXX  and they did nothing to fix my credit. I spent about 800.00 and nothing. I feel ripped off as not one thing done did anything to fix my credit Fraud scam
Consumer complaint received 2016-11-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (OH)

I constantly receive calls from the XXXX number, which I have identified as Navient through online searching. When I answer the call, no one seems to be on the other line. When I do n't pick up the phone, they leave a blank voicemail. I get calls from this number 6 times a day and at the most inconvenient times. My loans are current so they have no other reason to be calling me.
Consumer complaint received 2022-01-20
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (FL)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Bureaus are reporting inaccurate information on SANTANDER CONSUMER USA. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

SANTANDER CONSUMER USA XXXX Balance {$25000.00}
Consumer complaint received 2018-03-15
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. (TX)

As of today, XX/XX/XXXX, XXXX Mortgage now doing business as XXXX XXXX, has not reported my payment history nor my current balance to the 3 major bureaus since last year XX/XX/XXXX. I have been with this company for 4 years now. I have called them numerous times and even have a case open with them. They tell me the same thing, every time, " Your case is being worked on, we are looking into it ''. I believe this to be a lie! XXXX was just ordered to pay {$1.00} XXXX in penalties, and they still have not corrected the issue the were penalized for.
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND I DISCOVERED A BANKRUPTCY ON MY CREDIT FILE WHICH I HAD NEW KNOWLEDGE OFF. THIS ACCOUNT WAS NOT AUTHORIZED BY ME AND I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER. THIS BANKRUPTCY HAS BEEN REPORTING INACCURATELY ON MY CREDIT FILE AND I AM DISTRESSED BECAUSE I HAVE NO IDEA HOW LONG IT HAS BEEN REPORTING NEGATIVELY ON MY CREDIT FILE. I AM REQUESTING IMMEDIATE REMOVAL OF THIS BANKRUPTCY ACCOUNT.
Consumer complaint received 2022-01-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have disputed an account being reported on my credit report and it has reached it max time aloud according to The Fair Credit and Reporting Act.
Consumer complaint received 2024-01-29
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. (MD)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-10-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (VA)

I have been receiving repeated calls ( 7-10x a day ) from this company. I asked them to stop calling but they continue to harass me. On XX/XX/XXXX, I received notification that there is a debt on my credit report. When I go to check the collection, it says that I opened an account in XXXX for over {$13000.00} and that there was recent activity in XXXX. I have never spoke to these people, nor have I received any opportunities to dispute this debt. I feel that my rights have been violated as I have not even been presented with documentation of when this debt was created and Im certain that I did not create new debt in XXXX outside of the purchase of my home. I am asking that this be deleted from all of my credit reports.
Consumer complaint received 2022-01-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 2015-09-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

Seterus is now demanding a minimum payment that is more than {$300.00} over my contracted amount. The " servicing '' department has also added more " fees '' to the amount owed on my mortgage. Seterus seems to be indicating that a portion of the payments I have been making ( all complete and made in a timely manner ) is being held " in suspense '' because they have been individually or collectively partial payments, something they NEVER informed me of, despite repeated requests to send monthly statements. They are also continuing to send me mail without my name spelled correctly, so I still am completely unable to communicate with anyone at Seterus either by telephone or writing.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: AMERICAN EXPRESS COMPANY (CA)

I filed the tax returns ( XXXX XXXX and XXXX XXXX ) in XXXX and was tax due to both IRS and XXXX XXXX XXXX ( state of California ). The amounts were XXXX $ to IRS and XXXX $ to XXXX XXXX XXXX ( state of California ) I provided XXXX 's American Express Saving account details as the account had ample funds to pay these tax due payments. The same were deducted from the account on XXXX of XXXX ( see the attachment ). On XX/XX/XXXX American Express tried to contact to confirm the charges but XXXX was busy with work and meetings, so we called American express in the evening. We told that the transactions are genuine and they need to pay both IRS and XXXX XXXX XXXX ( state of California ). At that point American Express told me that the transactions were rejected and asked me to initiate the transactions again with both IRS and XXXX XXXX XXXX ( state of California ) ( see the attachment ). 

I went ahead and registered an account with bth IRS and XXXX XXXX XXXX ( state of California ) and payed the taxes due. The same were XX/XX/XXXX and XX/XX/XXXX ( see the attachment ).

Since the first transactions were rejected by American Express ( even though there were funds available ), both IRS and XXXX XXXX XXXX ( state of California ) charged the return fee ( IRS : {$390.00} and State of California : {$27.00} ) I asked American Express to pay for the return fee as they were the ones rejected the transactions without confirming them. But they denied to pay
Consumer complaint received 2021-11-29
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bridgecrest Acceptance Corporation (MD)

Once the account is a day late ( which is not every month ), I will start to get phone calls from Bridgecrest each day until the payment has been made. I don't pay the car note, but I do know it is never 30 days late. I have asked them not to call me and to call the other person that is on the account that is making the payments, but they continue to call. I have asked them numerous times to not call me and to only contact me by email, but they still call. I will receive three calls and voice-mail a day until I answer the phone. They will continously call me until they receive payment or a postdated check. The last call, the representative tried to use deceptive practices by telling me each time we are late there is a {$9.00} charge after the due date. That is a lie, as we have never been charged a {$9.00} late fee.