davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (FL)

I have a bank account with Wells Fargo that I opened in Washington XXXX in XX/XX/XXXX. I have been more or less employed since then. I was working in XX/XX/XXXX and have not worked for the past three months. I ran into problems when my Washington State Unemployment ran out and I had to apply from XXXX. They made me wait three weeks for my {$270.00}. I ran into issues with Wells Fargo and overdraft fees when I discovered they would process payments ( ie from Pay Pal ) usually recurring payments when I did not have money in my account. I asked them several times to not pay out money I do n't have and do n't charge me for overdraft fees. They ignored me. Then I would argue with them. Then Wells Fargo decided they were not going to refund any more overdraft charges. Currently I am overdrawn with Wells Fargo for {$500.00} of which almost the entire amount is overdraft fees of {$35.00}. My initial arguement with them started when I asked them to make sure my water bill got paid, and what do you know they did n't pay the amount out and then I got hit with {$35.00} of overdraft fees plus {$30.00} from the water and sewer department. All without a single human hand touching the transaction. I have called Wells Fargo several times until I just lost it and told them XXXX themselves. Now I am on a permanent blacklist. I am so sick and tired of the blame the victims mentality which translates into bullying. {$500.00} from XXXX XXXX is nothing, {$500.00} on {$270.00} unemployment is astronomical. I have been offered a job but I have no idea when that will start so I am pretty much living on payday loans which needs to be another complaint. Its ridiculous to have to pay {$35.00} overdraft fee when this is all processed by computers. If there is anything XXXX XXXX XXXX XXXX has shown, it cost fractions of a cent to process anything by computer. I admit I should not have lost it with Wells Fargo but it was supremely satisfying to tell them off. And in a civilized country I should be able to yell at Wells Fargo.
Consumer complaint received 2015-06-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My credit report of 6/17/2015 from TransUnion shows that a credit inquiry was made regarding some home furnishings on XX/XX/XXXX. I never attempted to purchase any such furnishings. The XXXX is listed as SECURITY AGE. The address listed is XXXX XXXX XXXX, XXXX, AZ XXXX. I determined that to be a residential address. I filed a fraud alert with TransUnion. I 'd like to see the perpetrator prosecuted.
Consumer complaint received 2015-05-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am in need of a consultation on a BofA mortgage in pre-foreclosure on my deceased Mom 's co-op in XXXX, NY. The co-op is in her name alone, though I have been living there since XXXX. FDIC law guidelines from XXXX state that a predatory or abusive lending practice includes offering a mortgage when the mortgagee has no ability to repay, which was my mother 's case when she was offered the mortgage in XXXX, as she could not repay a {$250000.00} loan living on {$1800.00} a month social security. My question is does this abusive bank practice invalidate their legal claim on the property?
Consumer complaint received 2015-10-16
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: E Mortgage (CA)

We applied for a loan with emortgage. 
They sent GFE1 on XXXX XXXX. 
When I received the faith in lending terms interest rate was above my " locked '' in rate. 
On XXXX XXXX, appraisal came in low and emortgage said they would have to modify costs. 
On XXXX XXXX, they sent GFE2. 
On XXXX XXXX, they sent us an initialed copy of the HUD1, in which the amounts matched the amounts in GFE2. 
When signing final loan documents HUD numbers were significantly raise in the section marked numbers that can not change by over {$7000.00}. 
In addition, we never given the Special Information Booklet, and they mistakenly left my wife off the loan documents. 
Lender was very unprofessional in discussions and directly instructed my agent not to contact them further.
Consumer complaint received 2016-12-20
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC (NJ)

XX/XX/2016, I went on XXXX due to a lower back injury I suffered on the Job. 
I started receiving social security XXXX benefits. Due the hardship of my financial situation, I request a mortgage modification. Quicken loans, put me through a trial period of payments, ( Which I completed ) Then Quicken loans ask me when will I be ready to sign the NEW mortgage modification documents. I stated to quicken loans that my ex-wife and I are no longer together and we are in the process of a divorce. However, Quicken loans persisted that my ex-wife needed to sign the new mortgage modification. 
I explain to quicken loans that my ex-wife is in XXXX, MA and it will take some time to locate her. When I was able to locate her ; I had her sign the quitclaim forms. This quit claim forms was drafted by my attorney. ( Please see scan 1 ) Once the quitclaim was filed with XXXX county register office and accepted. I forward a copy to Quicken Loans. Now Quicken Loans is stating that proper wording was not used in the form. ( Please see scan 2 ) Then Quicken loans forward me an email showing the wording they want on the quick claim. Then my attorney cut and pasted the exact wording they wanted. ( Please see scan 3 ) Then I forward them the new quitclaim with their wording, just to make sure before I go crazy again looking for my ex-wife in XXXX, MA. Then today XX/XX/2016 they state, that the wording is still incorrect. I 'm filing a complaint because it looks like quicken loans is trying to set me up for a foreclosure on my property. Plus my ex-wife name was not on the deed and she is not on the title of my home, however they still want her to sign.
Consumer complaint received 2015-09-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (KY)

We purchased a rental property on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, on advice of my lawyer, we formed an XXXX and the deed for the property was transferred into the XXXX. This continued for almost 5 years until XX/XX/XXXX when we received a notification from the mortgage company that transferring the deed to the XXXX was in violation to the mortgage agreement. After several back and forth between my lawyer and theirs, we did move the property from the XXXX per their demand. 
In XXXX the mortgage company offered to refinance our loan for property to achieve a better interest rate. In the process of this process we discovered in XXXX XXXX that the mortgage company had unilaterally and without any notice decided to take our excess payment of {$14.00} to a separate account. We had sent this over payment every month since the loan inception and it had been applied to the principal until XXXX XXXX. We requested of the mortgage company an explanation and they responded with the attached letter dated XXXX XXXX, XXXX. Apparently they had charged {$800.00} as a litigation fee. 
We have since paid off this loan including the {$800.00} charge. We declined to take mortgage company to court over the litigation fee since a lawyer would cost us in excess of the charge and, based on history, the mortgage company may well attempt to charge us their legal costs. For your information, we spent over {$1000.00} to change the deed back to our names. 
Following are our complaints with the mortgage company and would appreciate your assistance to resolve any or all of these issues. 
1. The litigation fee of {$800.00} charged to us by mortgage company appears unjustified. Our lawyer simply questioned them on their objection to the property being placed in a LLC. After some conversation with the mortgage company, he reluctantly advised us to change it back which we did at our expense. We believe the litigation fees charge us by the mortgage company {$800.00} should be refunded to us. 
2. The mortgage company had no right, without prior approval or notification, to take the excess {$14.00} each month and apply it to their stated litigation charge instead of the principal as had been done for years. We believe this was inappropriate on their part and they should be precluded from taking this type of action with other customers. 
Thank you for any assistance you can provide.
Consumer complaint received 2015-09-03
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (AZ)

I have received several emails from Ace Cash XXXX. They are constantly harassing me regarding a debt that has been settled in a bankruptcy in XXXX
Consumer complaint received 2015-07-28
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Revenue Assistance Corporation dba Revenue Group (OH)

I have faxed cease and desist to this company on several occasions and advised verbally on several occasions including XXXX/XXXX/15 to XXXX management and collectors not to contact me. I declined to provide them a phone number and adivsed this is becuase I DO NOT WANT TO RECEIVE CALLS. Today I received a call from XXXX XXXX XXXX XXXX ext XXXX his caller id # XXXX @ XXXX XXXX XXXX/XXXX/15. 
He stated XXXX him to call me. I advised him as per a previous coversation with him XXXX/XXXX/15 and management I adivsed I wanted no calls and did not give them this number to call me in fact I refused my phone number all together. I advised my phone number is on a cease and desist and always has been. That he should not be calling me under any circumstances. I took his information and advised him I would be reporting this incident. 
When my phone rang with this debt collector I was in XXXX XXXX and was asked to leave the room due to the disturbance.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed account on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (TX)

To Whom it may concern, my name is XXXX XXXX, my mailing address is XXXX XXXX XXXX XXXX XXXX. My phone number is XXXX and the email address is XXXXXXXXXXXX. This complaint is against Wells Fargo, my active checking, account number is XXXX and an inactive checking account XXXX. 
My problems started back in XXXX of 2015, XXXX XXXX or XXXX ( i dont know her last name because she said she didnt have to provide it. ) She told me that I came in the branch on XXXX and XXXX and made a withdrawal of XXXX. After many attempts of trying to talk to XXXX XXXX to no avail, I also attempted to talk to XXXX XXXX at the Advisory Department on XXXX, and she informed me that she had talked to XXXX and this was a cash withdrawal and i would have to speak with her. XXXX XXXX called me on my phone and informed me, '' It 's not my job to keep up with your money. If you do n't know how to do your online banking, that 's not my fault. You had your Niece to come in and make a cash withdrawal and hung the phone up in my face. '' I asked her if i came into your institution, allow me see the film, in which she stated that " she did n't have to '' show me anything and closed my account and told me to leave the bank. 

Back in XXXX of 2015 ( I 've faxed all the information claim number:XXXX ), Wells Fargo ran several payments to XXXX 1 . {$92.00} 2. XXXX and 3. {$140.00}. I received a letter from Wells Fargo 's Fraud Department accepting blame. ( letter also faxed to you. ) All of my services have been disconnected for nonpayment of services. Well Fargo is saying that it 's been paid, but they will not show me where it was paid or where my account was credited.
Consumer complaint received 2015-05-06
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Essential Retrieval Group (NV)

This is a collection agency that calls the numbers of family members and friends XXXX though my phone number has been the same since XX/XX/XXXX XXXX threatening legal action for a payday loan that was included on a Chapter XXXX bankruptcy in the State of Nevada, and discharged on XX/XX/XXXX. The original creditor is XXXX, but their XXXX was different - can not recall. Once contact has been made on my part giving the bankruptcy information, the old debt is then sold to another company. I suspect that it 's the same company each time, but that they provide a different name. The calls start every XXXX to 4 months. Please assist in putting a stop to this. The debt was included and discharged in my Chapter XXXX bankruptcy. The creditor is aware and was notified back in XX/XX/XXXX. They are completely disregarding this fact. Also, I suspect it is the same company because they always ask for my name in reversed order. " XXXX XXXX '', instead of " XXXX XXXX ''. My attorney 's office provided me with the XXXX 's XXXX link to file this complaint. Their office suspects that these collection companies purchased information from my bankruptcy and are illegally trying to collect on their own behalf, using methods like calling people I am related to, to try and collect funds. 

The collector, " XXXX '' once again took my bankruptcy information today, but would not give me their mailing address or any contact information so that I can contact their client/original creditor. They said it was my problem to find out any additional information relating to this debt and hung up. 

The problem with these agencies is that if they find that they ca n't get money from you, even with protections set forth by bankruptcy, they will wait a short while, and then seek out relatives or past relatives XXXX in my case, ex in-laws ) to try and scare them ( and embarrass me XXXX into paying on my behalf or contacting me to pay. This is unacceptable.
Consumer complaint received 2015-12-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filling this complaint because Transunion has ignored my request to provide me with any documents that their company has on file that was used to verify the accounts I disputed. Since they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank You.
Consumer complaint received 2016-02-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I originally disputed XXXX old debts by XXXX XXXX XXXX. They originally closed and took them off of my credit report ( After an investigation and XXXX subsequent days ) ..However, I went back and checked my credit and they had reinserted XXXX of the XXXX debts. I was told over the phone that they " purged '' XXXX of the old debts. These debts are over the statue of limitations and will overall expire in about a year.
Consumer complaint received 2015-08-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed credit information for some time. I have now provided you with information on the mortgage company under complaint # XXXX credit bureaus are not conducting an investigation, even though I have provided them with documentation that the information they have is incorrect. 
I have challenged wrong accounts XXXX times. 
They only wait for the company to respond and say the information on the account is correct, and do nothing more.
Consumer complaint received 2016-03-01
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (VA)

Citi settlement agreement in the amount of {$3400.00}. CitiFinancial withdraw from my XXXX checking acct of {$3000.00} on XXXX/XXXX/XXXX with the understanding that Citi would withdraw {$160.00} for 3 months to pay remaining balance of XXXX. They withdrew the first payment of {$160.00} from my XXXX acct on XXXX/XXXX/XXXX. I received a refund check from Citi on XXXX/XXXX/XXXX stating in the memo that the acct was paid out. XXXX XXXX contacted me from Citi in regards to this acct and I faxed her all my documents and I did n't hear from Citi financial anymore. All of a sudden I began receiving phone calls from XXXX XXXX ( OneMain Financial Collection Agent ) and I explained my case and submitted the same documents and heard nothing from OneMain. OneMain then sold the acct to another collections agency by the name of XXXX XXXX which was requesting that I pay the full amount of {$3400.00}. I submitted the same documents to XXXX ( XXXX XXXX agent on XXXX/XXXX/XXXX ). I then contacted CitiFinancial to obtain a refund of the money that was withdrawn ( {$3000.00} ) from my XXXX acct and they indicated that they had no information in their system in regards to my acct or any money paid to settle this debt. I have tried on multiple occasions to resolve this issue and everytime I submit my documents.. the acct is then sold to another agency. CitiFinancial refuse to refund the money I paid them neither acknowledge the fact that I paid the acct was paid out ( stated in the refund check from Citi Financial on XXXX/XXXX/XXXX ).
Consumer complaint received 2016-03-01
Product: Credit card — 
Issue: Other — 
Company: BMO Bank, N.A. (VA)

I have been a customer of DINERS CLUB for the past 20 years. During all past 20 years Diners club never submitted data to credit reporting agencies. In XXXX XXXX, Diners Club sent me a note stating that they start submitting data to reporting agencies. The letter did not inform me that the card will submit data in the past 2 years. Unfortunately, Diners Club decided to submit data for the past 2 years. Giving the fact that I have been a customer for twenty years during which the card never reported data, it is reasonable to assume that the data being reported should only include data from the time they informed me they will start reporting, not data in the past. For example, had I known that Diners club will report data in the past, I would have cancelled my membership. Or would not have made use of the extension they have for their clients to pay after 60 days instead of 30 days. 
This is not acceptable. The card never disclosed in their terms and condition when I signed up for a card in XXXX that they will report data to credit Bureau. The card should only report data from the time it informed its customers of its intent to report data and moving forward, not to go back 2 years. 
I am asking you to take actions that compile BMO HARRIS DINERS CLUB to only report data from the time they updated its client of their intention to report to credit agencies.
Consumer complaint received 2015-04-06
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: FORD MOTOR CREDIT CO. (ID)

XX/XX/XXXX I had a XX/XX/XXXX XXXX XXXX that was totaled in a head on collision that almost cost me my life. I had full coverage insurance I was under the impression that it was fully covered, it has been almost XXXX years and my wages have begun getting garnished at 25 % a pay period it comes out to aproximatly {$600.00} a month, it has put me in sever finacial hardship as I am a XXXX mother currently going through a XXXX. The debt is registered in the state of XXXX and I have lived in XXXX for the past XXXX years. I was unaware that I owed the debt, but apparently there was a judgement against me. I received a notice XXXX days before my pay date of when my wages were to be garnished I had no time to fight it and before I knew it I was unable to pay all my bills. The agency ( XXXX XXXX XXXX Attorney at Law in XXXX, CA ) I delt with constantly passed me off to a new person over and over and treated me as though I personally defiled them and I was XXXX of the XXXX and gave me several wrong numbers of whom I was supposed to speak with that lead me no where. The accured interest is double the amount of the debt.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.