davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I had a motorcycle stolen from me. XXXX ins paid it off in full. XXXX sent a letter to XXXX XXXX saying the bike would be paid in full and the account has been closed. They also said they would be mailing the check out and that i XXXX XXXX was not responsible for the account as of the closing of the account. During this time they reported late pays on my account towards my credit that should not be on there. These late pays should be removed and my credit adjust. XXXX XXXX XXXX # XXXX SS XXXX DOB XXXX Please let me know how to get my credit fixed from this issues.
Consumer complaint received 2016-12-22
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (IL)

I received a letter from a stranger stating that US Bank sent a letter to him that was meant for me. Being a bank they know how important it is to protect an individual 's account and being a recent victim of identity theft this really alarming. Please find that I 've enclosed all necessary documents so you can see how careless this company is. No wonder someone who stole my identity was able to open an account in my name with this bank.
Consumer complaint received 2015-04-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (MN)

I opened an account with US Bank in XXXX 2010. I was fed up with XXXX XXXX at the time, but eventually went back to them because they are the best big bank. I opened the account with them because I have a few student loans with them. I was working at a XXXX at the time and did n't have a big income. I over-drafted a few time, but always paid the fee. I never set up any automatic payments with them for student loans, bills, etc. I closed the account a few months later because there interest fees and high over draft fees. I got a phone call today, five years later, that I still owed US Bank XXXX. XXXX. I closed the account five years ago and the balance was current. How could I close an account that was negative? They sent the bill over to a collection agency to settle the account. Why I am being harassing from a collection agency five years later about a bank account I have for a only a few short months? Why am I paying fees on an account I did n't even use? Why this is now going to hurt my credit? I am extremely frustrated and fed up with US Bank bullying me around. I find the XXXX to be insulting and overbearing. I am student loan victim and am currently making minimum wage and tips as a server. XXXX is nearly a whole weeks work at times. I also give US Bank XXXX every month for my student. How can they get away with this?
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas violated my rights.

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 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The XXXX tradeline ( Account # XXXX ) is inaccurate and is in direct and willful violation of the FCRA. I disputed this tradeline with TransUnion over 12 months ago, and TransUnion neglected to delete or update the information. As a result, TransUnion MUST DELETE this tradeline as it is hurting my financial life. I have retained a lawyer to sue for willful violation and for damages. 
As a reminder, the account balance is wrong. The account status is wrong. 
Wrong information has been displayed for over a year. This account must be deleted immediately.
Consumer complaint received 2017-01-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (WA)

I have a mortgage account with US Bank at a fix rate of 4.25 %, monthly payment of {$1300.00} includes principle, interest and escrow. I bought my house in 2001. Until recently, my mortgage monthly payment has increased to {$1300.00}. KEEP IN MIND THAT THIS IS A FIX RATE. I called customer service and spoke to both the rep and the manager whom informed me that the increase of my monthly payment was due to an increase in my property tax, a difference of {$220.00} ( {$3000.00} - {$2800.00} ). I had asked if I can send them a one time payment of the difference in the increase of my property tax but was informed by both that it was NOT an option and that if my property taxes increases again next year then my monthly payment will increase to cover the increase of my property tax.
Consumer complaint received 2021-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (SC)

I had worked with AmeriSave to refinance my primary residence last year and had a very good experience. I decided to use them again to refinance my condominium. I applied for that refinance on XX/XX/XXXX and paid a {$500.00} application fee ( see attached receipt ). 

After several months, AmeriSave believed that the HOA did not have sufficient flood coverage for them to underwrite. The HOA believed that there was sufficient coverage ( and had several owners refinance their properties during the same time without issue ). The loan process ended in early XXXX following the impasse. 

The loan processor offered to refund the application fee and requested such on XX/XX/XXXX. After several follow-ups to both the loan processor and his manager, I still have not received the {$500.00} refund ( see other emails attached ).
Consumer complaint received 2016-05-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (FL)

We have own a townhome which requires an XXXX fee each month. The XXXX XXXX XXXX XXXX ) includes my payment for my outside dwelling insurance. We have been paying {$1000.00} over our normal payment to the mortgage company ( US Bank Home Mortagage ) for the past 3 months due to them not sending proof of insurance. We have sent multiple requests via email, we 've called and been transfered only to ever get a voice mail. They did however give us the insurance companies name we contacted the issuing agent giving her all the specific information again. She sent the same wrong information again. Our mortgage company keeps telling us that we have do n't right documents on file, we ask the XXXX again to fax the documents..mortgage receives says it will take 10 day to update payment information..every time we call back and ask if it has been fixed they say they still need the same information and they sent the wrong paper work. We cant afford our payments and out credit scores have been massively effected, and they said it will be put back in escrow " IF '' it is refunded which means we will not receive it till the end of the year.
Consumer complaint received 2016-05-14
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TD BANK US HOLDING COMPANY (CA)

Nordstroms is illegally reporting my account as over 180 days late on an account that was never late. I filled a chapter XXXX bankruptcy and Nordstroms closed my account and would not take anymore payments from me. I called them and they told me they legally could not take a payment from me after filling bankruptcy. My account was never late before the filling and should not be reported as late now. I 've attempted twice to contest this and they fail to act. Nordstroms also reports XXXX different statuses on the XXXX credit reporting agencies. XXXX shows ; open, 180 late, reporting monthly. XXXX shows ; closed, late, not reporting anymore. XXXX is showing ; closed, 180 days late and reporting monthly.
Consumer complaint received 2017-03-04
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (MA)

US Bank was dishonest with both the CFPB and myself in their correspondence dated XX/XX/2017. 
US Bank wrote " Each time you contact our Cardmember Service Department we provide a message that states your call may be monitored or recorded for quality purposes '' US Bank was dishonest with all people who call US Bank as it claims it is using recorded calls for " quality purposes '' when US Bank is allegedly using the calls for fraud investigation. If US Bank stated that calls may be recorded, that would encompass all uses, but US Bank, in writing, and on recorded lines did not make that claim and is using the calls for other purposes. 
US Bank also was dishonest with the CFPB and myself when on XX/XX/2107 they wrote " You ( sic ) correspondence also indicates that you have requested that we provide you with video surveillance of the transactions that you had previously claimed as fraud. '' I can find no such records of any correspondence.
Consumer complaint received 2015-06-25
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capio Partners, LLC (AL)

Capio Collections bought an old medical debt of mine. Instead of updating the Credit Burearu with the new information on the same account, they created a new account number with the same debt. I was n't even aware the account had been sold until I contacted the original debt holder, and they told me. I called to make arrangements with them XX/XX/XXXX, and after I called they proceeded to report the account as new debt a week later. I believe the limits to the amount of time an account can report are in place to protect consumers from lasting financial damage due to hardships. I have worked extremely hard to get my credit corrected, and pay off all the old medical collections I could. I believe this account has aged enough to come off of the report, and then the orignal debtor changes the amount, sells the account, and puts it back on as new debt. My husband and I are trying to purchase a home, and this is a huge barrier for us. I believe these type of practices by debt collectors should be considered unlawful. I would like for Capio to either update the original entry, or if by law it has already come off the report, then remove the new entry. This company should not be able to re-penalize me for 7 year old debt. The account number is XXXX. I would be happy to work something out with them if they would report this accurately to my credit report. This is the second incident this year I 've had with a debt collection agency using tactics such as these.
Consumer complaint received 2017-02-01
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (FL)

I am writing to you in reference to loan number XXXX. I have documentation from XXXX of XXXX formerly known as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX employees which states Wells Fargo sold the above mentioned loan to XXXX XXXX Bank and XXXX XXXX XXXX XXXX XXXX became the servicer of the loan in XX/XX/XXXX. It is my understanding that in order for anyone or any entity to sell a mortgage or a promissory note, they must first be the legal owner of the mortgage and the promissory note and in order to sell a loan to a XXXX trust, must be the originator of the loan. So, when it was stated to me by XXXX 's employee that XXXX XXXX Bank purchased the loan from Wells Fargo, exactly what did XXXX XXXX purchase? I also have a letter from XXXX XXXX XXXX XXXX XXXX stating they purchased the loan from Wells Fargo. Did XXXX XXXX purchase the promissory note? In the state of XXXX, the mortgage is purported to follow the note, not the other way around.Everything that XXXX XXXX has stated is in direct conflict with the XXXX XXXX court records. XXXX XXXX court records indicate that the mortgage and the note in question were BOTH purchased by XXXX. in XX/XX/XXXX. Wells Fargo has stated they sold the mortgage to XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. The recorded court records also reflect that XXXX XXXX Inc is the sole assignee, not a nominee, not a beneficiary and not a trustee. In fact, the recorded assignment not only shows that Mortgage XXXX XXXX XXXX XXXX XXXX is the owner of BOTH the mortgage and the note but that XXXX, XXXX. is the assignor, which would have made them the legal owner at the time of the assignment. This also reflects that they were the legal owner of BOTH the mortgage and the note when Wells Fargo allegedly sold the loan to XXXX. The assignment of the mortgage and the note were recorded in the XXXX records in XX/XX/XXXX. This would make the purchase of the mortgage or the note by XXXX from Wells Fargo is fraudulent. I would appreciate a response. Thank you in advance for your time and cooperation in this matter.
Consumer complaint received 2016-08-16
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Alliant Capital Management LLC (CO)

Hello, My issue is best described by XXXX out of the XXXX above, XXXX XXXX from Alliant Capital Management ( doc id XXXX ). XXXX XXXX called my sister who stated that she was not me- He then proceeded to disclose the debt, plus threaten legal action if I did not return the call. He then located me at work- When he id him self I said I can not have calls at work do not call here. I called him on the phone and explained that I was having medical problems to which he replied that he understood and did n't want to cause anymore problems take the weekend and think about the options. Still no VOD has been sent to my mailing address. Today, I checked my work voicemail and there was a very lengthy message from XXXX XXXX, said he was going to sue me and send someone up to my job to give me papers. He then said all of the calls have been recorded and that he would move forward by end of business if I refused to call him back. I was not even at work Monday.
Consumer complaint received 2016-03-20
Product: Consumer Loan — Title loan
Issue: Payment to acct not credited — 
Company: Westlake Services, LLC (CA)

we took a title loan from wilshire consumer credit, I cant even tell you the exact date because I still have not recieved my loan documents, but it was in XXXX XXXX never recieved my loan papers have asked many times. i have made my payments on time every month and then they sent me a bill saying im 79 days late and my car is going to be repoed. when I make the payment my pay off balance keeps getting bigger. how can they people do this, they were fined in XX/XX/XXXX for the same stuff, and now there doing the same fraud practices again. this place needs to be shut down. i make my payments to these criminals and they rip me off more. please help me before they illegally repo my car. qnd they lost my pink slip to my vehicle.
Consumer complaint received 2016-09-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (VA)

I opened an account with Wachovia ( now Wells Fargo ) XX/XX/2008. At the same time, my father and brother also opened accounts with the bank. After a few years, the bank started charging me a monthly fee of about {$10.00}. I tried to figure out why they started charging me this fee, but not charging my brother or father the same fee. After a while, I gave up trying to get the bank to stop charging the fee and I closed the account. Now that it has been exposed that Wells Fargo has been finding unfair ways to charge customers fees, I am wondering if I was a victim of their misbehavior.
Consumer complaint received 2015-04-29
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (IL)

I applied to purchase our family home at XXXX XXXX in XXXX, IL XXXX, with Wells Fargo Bank and I was turned down repeatedly for credit scores and I was only a few points away from the required credit score. Myself and my wife are a military family, my wife just returned from XXXX and is a Veteran. 

The Mortgage Consultant at Wells Fargo was XXXX XXXX XXXX ID XXXX. My family is still at the house and we have now decided to purchase the home at the listed asking price for cash and they still will not sell us the home and want to evict us. For this purpose I would like to file a complaint.
Consumer complaint received 2016-12-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

I have a FHA loan and I called Wells Fargo to see if I qualified for the XXXX program and was told that I did n't because I did not have a XXXX or XXXX original loan. Also that I did n't get the loan before XXXX of XXXX. I have had this mortgage since XXXX XXXX. The last time I refinanced was in XXXX.
Consumer complaint received 2015-04-24
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (DC)

Dear CFTC : please open an official inquiry on Wells Fargo. I am also filing a complaint in the CFTC portal and a complaint with the Federal Reserve. Their mistake and gross negligence has cost me time, denied me access to my money without any cause, and cost me money ( both {$40.00} out of pocket and an estimated lost time of {$600.00} and rising - with each communication ). 


As background : Wells Fargo offered to replace my card with one it claimed was more secure. I declined and explicitly asked them to leave the card and account as they were - working and good through XX/XX/2017. Instead, contrary to my written request ( see below XXXX, Wells Fargo closed the card. They attempted to force me to receive and to use another card - which would cost me money, time and inconvenience to do so. Rather than admit the mistake and correct it - by returing the card and accounts to their original, Wells Fargo seeks to further inconvenience me and to waste my time. That result is unacceptable. Is is lawful? 

I want Wells Fargo to re-establish the original and functioning card, which is in my possession now. Also, I want Wells Fargo to reimburse me the {$40.00} of additional car rental cost I incurred because Wells Fargo provided a temporary card - which does not have my name on it. Car rental companies require the name. Otherwise an another driver must be used - which costs $ XXXX+ each day. I just did a XXXX day rental - which is the {$40.00}. 

In addition to this complaint, I will share the facts of this situation with at least XXXX additional advisor ( either regulator or social media ) in an attempt to expose Wells Fargo 's incompetence or potential lawlessness. Perhaps it 's just poor client service, because apparently they do not read what is written, that merits some financial penalty. 

Please investigate and advise. I will follow-up this email offline. 

Best regards, XXXX XXXX. 
Email : XXXXXXXXXXXXTel. : XXXX [ I prefer written communications so that there is a record, as the Wells Fargo evidence shows below ) NEXT MESSAGE : -- -- -- -- -- -- -- -- -Team Wells Fargo. Please retain the current Card ( do not open the one that was mailed ). I will arrange to pick-up the new card at a local branch.
Consumer complaint received 2024-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/24, I tried withdrawing {$800.00} from local BOA ATM and the machine did not dispense the money. Screen popped up saying machine having trouble dispensing money this will credited back to your account no receipt no nothing. Then I check my account and it withdrew the {$800.00} out of my account! I called the bank immediately was told it will be credited back to my account in no less than XXXX business days. Told the representative this is very time sensitive because this is my rent money. XXXX business days later nothing credited to my account! Called BOA again and was told no later than XXXX business days!! Then was given another existing claims number to call to supposedly expedite getting the money back. Spoke to another representative who then told me it wont be in til the XXXX!!!!! but I can file another claim to expedite that with an underwriter and that can take XXXX!!!! Completely unacceptable!!! On XX/XX/24 called BOA again still the money is not in my account!! Was told again the XXXX and the claim to expedite sooner was shot down so the XXXX again completely unacceptable!!!! Now over XXXX weeks not paying my rent and XXXX week before XXXX holiday you want to tell I shld probably have it in my account? I am completely disgusted with the way BOA has chosen to handle this after being a customer for XXXX  years! I do not want to bank with BOA anymore!
Consumer complaint received 2017-02-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (MN)

We are being contacted by the company XXXX XXXX. They do not disclose that they are trying to collect a debt when they speak to us but are threatening to serve us with a summons. This debt was paid last XXXX and we have the paperwork saying it was settled. They do not have a website or XXXX street address and I can not find the XXXX. XXXX address they provide online either. They know our social security numbers. They do not disclose whether or not the call is being recorded. A " courier '' called from a blocked number and asked for our address to serve papers too.