davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (PA)

Hello, For the past 16 months US Bank has been the mortgage holder on a XXXX home that I own in New Jersey. During that time on roughly 4 separate occasions they have sent follow up mortgage statements that imply ( but do not explicitly state ) that my payment is past due. These follow up statements have been generated and sent BEFORE the payment due date and AFTER my payment is made. The first three times this occurred I was told by US Bank it was simply an automatic system generated statement and I can ignore it. This happened again and when I called US Bank on XXXX/XXXX/2016 I was told by a US Bank supervisor that they are required by federal law to generate these followup statements. According to US Bank for the payment that is currently due they have to send out a follow up statement 30 days after a previous payment is made and the payment that is currently due has not shown up in their system yet EVEN IF THE CURRENT PAYMENT IS NOT PAST DUE. In the most recent incident, for the payment we sent them ( due XXXX/XXXX/2016 ) the check had been presented to my bank for payment. I verified this through my bank 's website. 

There is nothing to indicate on these follow up statements to indicate that it is a reminder notice or any verbiage stating " If payment has been made please disregard ''. I believe that would go a long way to clearing up this confusion. 

I have also found US Bank to be rather slow in processing mortgage payments. We have tried to send our mortgage payment a little early to aleviate this issue but after the most recent conversation with US Bank it seems like that does nothing to solve the problem. 

I have never been late in making a mortgage payment to any financial institution on any property I have ever owned. I have also never heard of any federal law that requires mortgage holders to engage in the aforemetioned process. In my opinion by engaging in this practice US Bank is trying to coerce its customers into accelerating their mortgage payments. 

Any assistance you can offer in helping resolve this issue with US Bank would be appreciated. 

Feel free to reach out if additional information is needed. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-09-09
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NY)

After receiving an email directly to my personal email account inviting me to apply for a Delta Amex Gold Card in exchange for XXXX points if {$1000.00} was spent in the first three months, I read through the terms and found no indication that I would be ineligible for the XXXX signing bonus. Even though I have years ago owned a Delta Gold Card, I found no indication that I would be ineligible for these points. With an upcoming trip to XXXX in XXXX 2016, I signed up for the card and made haste in spending {$1000.00}. Spending {$1000.00} in a month is not usual practice for me. Additionally, in spending that {$1000.00} on my Delta Gold card, I neglected to spend any funds on my Amex Gold card ( I am a loyal Amex member and therefore have more than one Amex card ), thereby forfeiting any potential membership rewards points that could have been earned in the same period in which I was spending {$1000.00} on my Delta card. 

After spending the {$1000.00}, I called Amex to find out why the XXXX points had not been transferred to my account, as I needed to book my travel to XXXX. It was not until this point that I was very rudely informed, by several Amex employees, that I was ineligible for these points, making my travel plans impossible. Furthermore, as I have struggled to be able to book this trip, despite the odds stacked against me, my generous family members have offered to help by putting points in my account, which I am also informed is impossible. 

I am asking today for the XXXX points offered to me in the marketing offer I received when I applied for the Delta Gold Amex. I am simply trying to get what I was promised. 

I am disappointed by these fraudulent, misleading, and exploitive practices.
Consumer complaint received 2016-09-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MT)

On XXXX/XXXX/16 I went into a Wells Fargo branch to close my checking and savings accounts. A banker told me I had XXXX due on the account. I gave her XXXX in cash, and she purportedly closed the account. The account remains open, despite calling the bank numerous times and having the bank assure me the account is closed. Even worse, the account is racking up overdraft fees. I now allegedly owe {$140.00} for an account that I closed.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-08
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. (IN)

Find out more than 2 credit cards ( XXXX XXXX XXXX XXXX XXXX XXXX ) was reported to my credit, the same day i called both banks and explain them that i dont know nothing about those cards .right away, i report it to the police and follow up with the banks ( XXXX XXXX XXXX XXXX XXXX XXXX ) but especially XXXX XXXX did not want to fix/solve the issue all they do was adding interest instead of fixing the issue.
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (NJ)

I applied to Wells Fargo for a XXXX home mortgage. After submitting all documentation, they preapproved me to proceed. While in attorney review, they were delaying my mortgage commitment for no apparent reason, however offered numerous written assurances that our commitment would be forthcoming. 

After my contractual commitment to have a mortgage expired with the seller, WF informed me that they could only finance my loan as a conventional mortgage. They further assured me that they could meet my fund request of XXXX % loan to value but the interest rate would be .5 % higher. 3 weeks later, they told me that they could only fund XXXX % of the purchase. I had to proceed or risk losing a substantial amount of escrow. 

WF tactics of aggressive salesmanship caused me to incur substantial risk and damages since I had to proceed to closing by using funds from my IRA, with penalties, as well as forcing me to refinance immediately, and incurring substantial closing costs. 

Although WF agreed that their processor misstated her ability to receive a commitment and created a false level of expectation, they did not agree with my claim for damages since I could have declined the loan offer. They refunded my application fee of {$950.00}. 

My complaint is that my loan processor withheld full disclosure in order to keep me from cancelling the loan. They knew I had another lender however by the time they informed me of their final underwriting decision, it was too late to change lenders. 

The XXXX recently reported that WF has been fined for illicit sales practices and I believe my case is similar.
Consumer complaint received 2016-09-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (NY)

To whom it may concern, This is my second complaint regarding BMW financial Services. On XXXX/XXXX/XXXX XXXX declared my XXXX BMW 320i Acct # XXXX a total loss and issued payment to BMW financial for {$36000.00}. See Exh # XXXX. 
See EXH # XXXX This was a financed vehicle, on XXXX/XXXX/XXXX Bmw Financial sent a past due notice for {$8700.00} for the remaining balance on the vehicle rather than checking my contract of sales to notice that there was no Gap waiver form signed or offered to me at the time of purchase. They continued to proceed with /after previous calls to BMW and being advised I was no longer responsible, on XXXX/XXXX/XXXX u received a letter that their records do not indicate any discussions about responsibility. XXXX XXXX was no available for questions. Tel # XXXX which is not his direct line and he does n't even take any calls. Not sure why we would state on a letter to please contact him if he does n't take calls. See Exb # XXXX As you can see EXH # XXXX - a letter my account was paid in full, no explanations in any event. I was right and they were wrong. Since last year they have been stating I owed them the balance due on the vehicle, a and once I made the manager Aware that there was no gap waiver form offered or signed by me see EXH XXXX, I should n't be responsible for the balance left over. Bmw Finanical sends me a paid in full letter that does n't state they were wrong, and they should have never been trying to collect from me nor send my personal information to a collection company. The letter appears as if I paid them in full. 
For my aggravation regarding this matter & many sleepless nights I am requesting that this account be deleted from my credit report. I am also requesting to be notified which collection company by information was sent to, and that it is deleted form their database. 
I was harassed & abused by this whole process. On the surface it looks like illegal & unethical behavior on the part of BMW Financial. Do n't know how many other customers just paid instead of doing research to see if they were offered a Gap waiver form. 
Bmw told me they report to XXXX m if that 's the case and true they should be informed of this. 

Thank you
Consumer complaint received 2016-09-09
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was closing on my house XXXX/XXXX/16 and my realtor emailed me wiring instructions for the closing on XXXX/XXXX/16. I printed them and took them to XXXX XXXX, my bank, and wired the {$51000.00} to the bank of America account on the email. I was notified at XXXX XXXX on XXXX/XXXX/16 the title co had not received the funds and immediately went to XXXX XXXX. I met my realtor and it was determined her email was hacked and the bank information changed, XXXX XXXX, XXXX banker, filed a fraud claim. I walked over to Bank of America and spoke to XXXX XXXX explained the situation and asked him to freeze the account. I was told I am not their customer and he would only deal with XXXX XXXX fraud dep't. He gave me a code " XXXX '' and said to make sure XXXX XXXX used the code on the report. I returned to XXXX and XXXX XXXX added the code. I was told the wire had not been initiated until XX/XX/XXXX as it was XXXX on XX/XX/XXXX when I had requested it and they thought it could be stopped. On XXXX/XXXX/16 XXXX XXXX XXXX XXXX called and told me the money had been withdrawn that day from Bank of America. Bank of America could have prevented this and I have lost my life 's savings.
Consumer complaint received 2016-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TD BANK US HOLDING COMPANY (MI)

The auto loan with TD Auto Finance has been fully satisfied but reported negatively. It is inaccurate based on a settlement agreement stemming from a lawsuit I filed against TD Auto Finance. I am requesting that the item be removed promptly or reported to the credit agencies in accordance with the settlement agreement. 

I recently received the original copy of my retail installment contract indicating a paid in full status. I recently pulled all three credit reports showing the {$9400.00} as written off. I am requesting this matter be thoroughly investigated and fix or delete the disputed item as soon as possible. 

I have made contact with TD Auto Finance 's credit dispute department and have not received a response or an indication on my credit report that the incorrect information is being disputed. I also have not received any update on the actions being taken by the credit bureaus regarding their investigation. 

I am currently in the process of trading in my car and am unable to purchase a new one with a reasonable interest rate because of the derogatory mark on my credit report. My credit score dropped XXXX points overnight when TD Auto Finance reported the account status negatively.
Consumer complaint received 2016-09-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I have disputed collection information reported by XXXX XXXX on behalf of XXXX. I have disputed the collection account XXXX with XXXX, XXXX, and Experian. I do not believe the investigation is properly being executed. It seems like the credit bureaus are working for the collection agency and agree with the electronic response received from XXXX XXXX on behalf of XXXX. The account remained on my credit report, but I do not have a reason why the account remain when XXXX shows I do not owe them and the balance was resolved. Transunion die not report XXXX XXXX on my credit report in XX/XX/XXXX, but soon as I disputed the item it was added to my credit report in XX/XX/XXXX and the investigation with XXXX XXXX has not been resolved.
Consumer complaint received 2016-09-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed collection information reported by XXXX XXXX on behalf of XXXX. I have disputed the collection account XXXX with TransUnion, XXXX, and XXXX. I do not believe the investigation is properly being executed. It seems like the credit bureaus are working for the collection agency and agree with the electronic response received from XXXX XXXX on behalf of XXXX. The account remain on my credit report, but I do not have a reason why the account remain when XXXX shows I do not owe them and the balance was resolved. Transunion die not report XXXX XXXX on my credit report in XX/XX/XXXX, but soon as I disputed the item it was added to my credit report in XX/XX/XXXX and the investigation with XXXX XXXX has not been resolved.
Consumer complaint received 2016-09-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (FL)

After numerous iterations with the bank things were finally resolved as far as the amount of a payment on XXXX/XXXX/16 during a conversation that I had with one XXXX around XXXX. I was told that I would be debited XXXX per month starting XXXX XXXX and that I would be billed XXXX for XX/XX/XXXX and XX/XX/XXXX and that I should not do anything until I receive the new bill. On XX/XX/XXXX ( ~XXXX ) I called again and spoke to one XXXX ( sp? ) who informed me that once the direct debit is set up they will not send a bill - which had been set up in XX/XX/XXXX. I was specifically told that the XXXX/XXXX/16 direct debit would be in the amount of XXXX and that I must send in a payment for XXXX that must be postmarked no later than XXXX/XXXX/16. I remitted the payment as instructed and have proof of payment on or about XXXX/XXXX/16. On XXXX/XXXX/16 I discovered that a unauthorized direct debit in the amount of XXXX had been processed against my checking account. I called the bank ( XXXX, XXXX XXXX requesting that the debit be reversed as it was not an authorized amount and was told that a ticket would be opened and that I would receive a call back within 3-5 days. I explained that this had the potential for overdraft fees to be incurred and requested that the matter be escalated to the executive office : I was told that they would not do so, but would have a supervisor call me. I received a call later that day from XXXX XXXX who also refused to open an executive office compliant, but who gave me an email box that I could complain to. On XXXX/XXXX/16 ( ~XXXX ) I received a call from XXXX telling me that they were processing the refund, but that there was no information as to the form ( I requested that the money be direct deposited to the account that it was taken from - an account within the same bank ) or the timing of said payment. Finally today ( XXXX/XXXX/16 ~XXXX ) I received a call from XXXX informing me that the refund would be issued with a check being cut XX/XX/XXXX or XX/XX/XXXX that we should receive by XX/XX/XXXX or XX/XX/XXXX. I explained that this was unacceptable and that I wanted this matter escalated and was given the name and number of his superior ( XXXX XXXX ) - I called and left a voice message but have not yet heard back. 

It is totally unacceptable that a bank of this size should be unable to correct THEIR mistake and that it should take up to 20 days to return funds that were never authorized to have been removed from my account.
Consumer complaint received 2016-09-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I signed into my Bank of America Business account today and noticed that I have had fees for the past 3 months of $ XXXX/month for XXXX business checking account and $ XXXX/month for the other. On XXXX XXXX, 2016, I had downgraded both of these accounts to a Business Fundamentals account which required minimum $ XXXX daily balance or $ XXXX average monthly balance, which has been met with over $ XXXX average monthly balance since then. The agent had informed me that I only needed to meet the requirement of average monthly balance in XXXX account because the accounts are linked. However, it looks like that starting in XX/XX/XXXX, the fees started to be assessed again. The total sum of the fees is {$45.00} for XXXX account ( {$15.00} x XXXX ) and {$36.00} for the other account ( {$12.00} x XXXX ).
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PROVIDENT FUNDING ASSOCIATES (WA)

My client, XXXX XXXX XXXX, submitted an application to refinance XXXX homes. It was a very long process. She provided all the information needed. Eventually a loan was offered. She approved of the terms and went forward. Closing disclosures were sent to her on XXXX XXXX for the XXXX properties. She signed with a notary sent by the closing agent. She submitted a check for the cash due. About seven days passed when the lender ran a new credit report, found her score had gone down, and denied her the loan on the terms she signed for. A new offer, with more expensive terms, was then offered to her.
Consumer complaint received 2016-09-09
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On Tuesday, XXXX XXXX I received a text alert from Bank of America warning me about a low balance. When I checked my account activity from the weekend, I noticed XXXX cash withdrawals made from XXXX ATMs in XXXX. 

The ATMs and amounts withdrawn were : {$44.00} ( includes ATM fee ) from XXXX XXXX XXXX XXXX, XXXX Texas - XXXX {$300.00} ( incldues ATM fee ) from XXXX XXXX XXXX, XXXX, TX - XXXX XXXX XXXX XXXX I tried calling them immediately, but since XX/XX/XXXX was on Monday, I had trouble getting through since their holiday message kept playing ( despite it being Tuesday & business hours ). I signed into my online account and locked my card. 

Finally later in the day I was able to get in touch with them. I let them know I 'd been involved in a car accident on Friday and on Saturday, when the withdrawals were made, I was home all day recovering. Bank of America opened a claim and said they would investigate. I asked them to please check the cameras. 

In the meantime they issued a temporary credit for the amounts withdrawn as well as the ATM fees ( they were made at non-BoA ATMs ). My debit card was still in my possession. 

When asked to answer some questions and submit claim documents online, I provided them with a statement of my whereabouts as well as geolocation proof from XXXX XXXX demonstrating where I was when it happened. 

On Friday, XXXX XXXX I received a response that my claim had been resolved. When I signed on and viewed the letter, I was informed that my claim was being denied. 

I followed up with their claims department and was told my claim was denied based on the following : The person who withdrew the funds knew my pin number. Since there was no pin error, it was n't considered fraud. 
The person who withdrew the funds only did so twice. Since it was only twice, it was not considered aggressive behavior. 
The person who withdrew the funds did not deplete my account to {$0.00}. Since they did n't completely empty my account, it was not considered fraud. 

I was informed the temporary credit would be reversed since they saw no signs of fraud. 

I 've filed police reports for each withdrawal.
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

My mortgage company ( Wells Fargo ) contacted me with a letter saying that they were going to start the foreclosure process on my home I own. I contacted them and they told me that I missed my XX/XX/XXXX payment. I told them that was impossible since it comes out of my account automatically. I then furnished Wells Fargo with an official letter from my bank ( XXXX XXXX ) with a trace # showing that the payment was made back on XXXX XXXX. To this day they still have not resolved the issue and my credit is suffering due to their mistake. Today I received a call from a lady saying they needed more information from my bank and that I had to get it for them. I told them to email me what they needed and she said they did not do that. I called my case manager who has been handling this for almost a month now and he is away for the weekend. Enough is enough now. My credit is suffering and I am getting collection calls from the bank because of their error!
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I have a conventional fixed 30 year mortgage and have been making extra payments on the mortgage to get the loan paid off quicker over the past 6 years. My current LTV of the original purchase price of the home is currently XXXX %. The " scheduled '' XXXX % LTV passed on XXXX XXXX, 2016 for a cancellation date. 
I have requested Bank of America to cancel the PMI. They are refusing and requiring me to get another appraisal done on the home for the current value. But the law said it is only for the original value of the house for the PMI to get taken off. I have always paid my payments ahead of time with extra payment to the principal. I have never missed or been late with my mortgage payments and I have excellent credit with a score around XXXX. 
I am tired of wasting money to this bank for PMI when I should n't still have to be paying it. If they do n't resolve this issue, they are going to lose this investment and my business with my other accounts at Bank of America. I will refinance with another bank for my mortgage.