davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (TX)

I have been trying to defer payments from being on XXXX. I finally received the documents to do the deferral, but they are still charging me late fees and have reported missed/late payments to the credit bureaus despite being in the process of deferral. It took 2 months to defer the payments on their end, it should never have been reported. The customer service team was rarely helpful and refused to let me speak to supervisors about my account.
Consumer complaint received 2015-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (UT)

Credit Report XXXX Item : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. I have advised the credit bureaus that I did not have a XXXX account opened in XXXX. I have had XXXX for XXXX years now. I did have a XXXX account back in XXXX, this was part of my bankruptcy in XXXX. This charge for XXXX states it will be on my record until XXXX. I have lived in XXXX XXXX years, it would be easy just to ask when and where the charge occured. Can you please have this corrected?
Consumer complaint received 2015-06-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NV)

Experian will not remove this item from my credit file. The collection agency " XXXX XXXX XXXX XXXX ( XXXX ) has sent them letters several times to remove it but they will not. Information was sent to the XXXX Court system to vacate the judgement because it was an error but Experian failed to contact the court system and my credit score has dropped because of this. I 've been dealing with this for about a year ( maybe over a year ) and I would like this removed and if possible Experian pay for the damages because I have trying to rebuild my credit and Experian is hampering my progress.
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

Experian is in violation of the FCRA. We have contacted each individual company via certified letters without method of verification or any viable evidence that these accounts are being correctly reported to you. Since the letters were sent out on XXXX XXXX means that you have failed to report correct information on my report. The section reads : FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1962e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
I have attached a copy of my credit report and highlighted the accounts and a copy of the lawsuit you are named in the event that these issues come off of my report. Please remove the highlighted accounts from my report. 

Please refer to Case number : XXXX. You have failed to provide me with the proof that the inquiries listed belong to me or to someone else. You also failed to respond to my rebuttal of the dispute within 15 days. There is a {$1000.00} fine for each occurrence. That adds up to {$16000.00}. We will be seeking this amount in damages. 
Here are the inquiries in question once again. 
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/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 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/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Consumer complaint received 2016-08-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (WA)

I had a judgment against myself in the original amount of {$670.00}, through XXXX County Superior Court. Over time, this judgment incurred interest, in which I agreed to settle on a total amount of {$1700.00}, with a one time payment. This payment was made via XXXX Bank Personal Check, No. XXXX, on XXXX/XXXX/15, in the amount of {$1700.00}. 

I never received a receipt from XXXX County Superior Court, so I do n't have one to furnish, but I have attached a copy of the payment. The rest of the information I have on the judgment is as follows : Payment Date : XXXX/XXXX/15 Check No. : XXXX Amount : {$1700.00} Bank : XXXX Bank Address ID No. : XXXX - Experian Identification No. : XXXX - Experian XXXX ID No. : XXXX This judgment is showing up on both my Experian and XXXX Credit Report. Had I not have just started a Home Loan, I would have never known about it. This is affecting myself and my family more so due to my Credit Score being affected by an estimated XXXX points, while being in the middle of underwriting a Home Loan. 

I have submitted disputes with both Experian and XXXX, as well as submitted a compliant to the XXXX, along with your Bureau. Please let me know if there 's anything I can do to help move this along as quickly as possible, the difference in Interest Rates will cost me thousands, upon thousands of dollars if I do n't get this taken care of. 

Thank you for your time, I appreciate your help. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NV)

In XXXX 2015 I requested my annual free credit reports, sent in a copy of my driver 's license and social security card but have only received a copy of my credit report from Equifax last week. I sent XXXX emails but have not received credit reports from XXXX and XXXX. 
Equifax continues to add several addresses that are incorrect ( lived at the same address for the past 26 years ) to my report, account numbers and year acct open have been changed and information over nine years remain on my report. This is the same complaint I filed against all three bureaus but still experiencing the same problems today.
Consumer complaint received 2016-11-10
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

Hello, I currently have a savings account open with Wells Fargo and reached out to them a few days ago regarding a credit transaction to my account ( direct deposit ) that occurred on XXXX. I do not recognize this transaction, I am unaware and unsure of where this money is coming from but it is NOT mine and need to close off this account effective immediately, however Wells Fargo said they would leave the account open until they finished an investigation as to where this money is coming from. 

This is the transaction : XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX, XXXX {$97.00} I have checked my account once more today to see if the funds have been debited once more and they are not only still there, but also I have received yet ANOTHER credit to my account from the same source, listed below : XXXX/XXXX/16 XXXX XXXX XXXX {$130.00} I have tried reaching out to Wells Fargo, numerous times today unsuccesfully. Their customer service support line keeps dropping me despite their service saying it is 24 hours a day 7 days a week. 

These deposits are NOT mine. I need to close off this savings account. I DO NOT RECOGNIZE THIS MONEY. I want it pulled out of my account and I need help with closing off this account.
Consumer complaint received 2016-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

In 2010, we combined a first and second loan ( home improvement ) through Wells Fargo Financial in Texas. We told the WF rep that we wanted to combine the first and second at a 30-year fixed rate. The representative assured us we had the 30-year fixed rate loan and to sign the papers, which we did. We later discovered he had given us a 40-year simple interest loan. The would not allow us to include escrow for taxes and insurance. Wells Fargo Financial dissolved and Wells Fargo Home Mortgage now has our loan but wo n't refinance the 40-year loan to a lower term. Our principal has increased and not decreased at all. The interest is more than the payment each month. We are current and feel we were taken advantage of as we would have never signed a 40-year loan had we been told about it.
Consumer complaint received 2016-10-11
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

I sent Wells Fargo several Qualified Written Request ( QWR ) through CFPB, XXXX XXXX and HUD to find out how much was owed on the account XX/XX/2016. Wells Fargo has sent me documentation through the CFPB portal that the balance on the account was {$8100.00} On XX/XX/XXXX I received a letter that they there was going to be a HUD Pending Acquisition of the property. I responded to the letter on XX/XX/XXXX by certified mail notifying all parties of the error on the account Wells Fargo made and requesting that balance can be spread out in monthly payments and the account need to be updated to reflect the amount owed. 
I received a letter from Wells Fargo dated XX/XX/2016 stating that the account was updated. 
Then on XX/XX/2016 my account has placed in active foreclosure.
Consumer complaint received 2016-10-15
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (CA)

My Name is XXXX XXXX XXXX XXXX. 
Concerning XXXX XXXX XXXX XXXX XXXX CA XXXX-Loan # XXXX : My Mortgage company ( PRMG ) claims they returned an accepted payment that was processed on XXXX XXXX 2016 in the Amount of {$1700.00}. My bank has confirmed the payment was not returned. PRMG has provided no evidence of a returned payment. They have assessed late fees and insufficient funds fees as well as home inspection fees. I have provided them with direct contact with the bank, as well as evidence of no returned funds, in the form of bank statements as well as an ACH trace number. They will not accept my XXXX payment without a repeat payment for XXXX for a total amount of {$3600.00} including penalties. 
Concerning XXXX XXXX XXXX XXXX XXXX Ca XXXX-Loan # XXXX : PRMG transferred servicing divisions for this loan on XXXX XXXX 2016 they did not include a previous payment to the previous servicing division in the amount of {$1600.00} which a check was cashed on XXXX XXXX 2016. They have been informed several times that the payment was made on time and have yet to reconcile the internal issue instead I have been charged late fees and penalties and they will not accept an XXXX amount unless I pay XXXX again because they credited the XXXX payment to XXXX. They are demanding {$3200.00}. 
I have tried to work with PRMG and all efforts have been in vain, including providing bank statements, ACH trace numbers, account numbers, as weell as direct contact with the previous servicing department who informed them of the internal errors. This has already negatively effected my credit, and peace of mind. I have been treated as if I am irresponsible and guilty of defaulting on agreements to pay, which is an insult to me as a XXXX, XXXX Veteran, my integrity is my most sacred possession. Please advise me of the next step in this process.
Consumer complaint received 2016-09-22
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MD)

I contacted Wells fargo because they have a property that has been on the auction for almost three years now. I contacted the executives and got a response from a XXXX XXXX XXXX. He told me that the bank would not accept any offer lower than the reserve price which was XXXX under any circumstances and if the house did not sell after the date of the end of auction. The house would be giving to HUD. Two days later I check Auctions.com and the house is back on listing and XXXX XXXX dollars cheaper. I contacted XXXX XXXX and have n't gotten a respose yet
Consumer complaint received 2016-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: WELLS FARGO & COMPANY (OK)

on XXXX/XXXX/16 Wells fargo dealer services received an application forwarded from open roads lending. This application was not completed by me and is a fraud. Wells Fargo ran my XXXX credit report, but failed to have proper authorization.
Consumer complaint received 2016-02-04
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal Credit Union incorrectly deposited escrow funds of into an account without verifying that my name was attached. I have contacted them on multiple times and even submitted a letter to Supervisor of Escrow named XXXX but nothing has been done. I still have not received any monies. I asked if they could put a freeze on the account until we get this resolved and I was told NO. I was told that I had signed a form at my closing and according to the form they followed procedure. I was puzzled because my closing was done at another Title company in which I had asked about the escrow funds. After calling and speaking with XXXX different people with an hour on the same day in Escrow dept I was then informed the form signed was done in XXXX. The representative apologized stating that the form should have been updated prior to releasing the funds since my account was noted for DIVORCE, she then transferred me to the Supervisor named XXXX. XXXX reviewed the document and also apologized and stated she would try to reverse the funds but after being on the phone for about 30 min she stated unfortunately she would have to send this issue to her superior. She then asked if I could email a letter to her of all the conversations I had with Navy Federal regarding the escrow funds so she could attach with it the information she was sending. I called XXXX to XXXX to confirm receipt of the letter and she stated she received it and that I should hear back from XXXX of her Managers to resolve this matter. 

I questioned the escrow funds that I Prior to selling the property in XXXX XXXX, I inquired about the escrow funds when I requested the XXXX Payoffs in XXXX explaining that I was divorced and all escrow funds should be sent to me. I explained that due to a divorce, I was awarded the property and had been paying mortgage and taxes for the past two years. I asked Navy Federal if I needed to send them copies of the divorce decree and was told NO because they do not honor divorce decrees. Out of all the monthly phone calls and Payoff requests no one from the institution mentioned to update a Navy Federal Suppression document. 
As of date, I still have not received any escrow funds owed by Navy Federal Credit Union According to court documents, I was to receive ALL escrow funds however Navy Federal Credit Union does not honor divorce decree and has failed to honor my portion of the escrow funds due. I have also requested a copy of the signed Suppression form and still have not received it.
Consumer complaint received 2016-12-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo stopped accepting my payments as of XXXX. I went to the branch and they would not accept the payment. I feel I am at risk of having my home taken from me as I fell behind but tried to keep up and for the past year, have had a XXXX way communication as I have not had a personal reply, only generic letters offering to help. 
I do n't wish to have a modification as I have a low interest rate, I just need time to catch up or a forbearance. I have made payments since 1993 and have a lot of equity so that is why I believe the bank has stopped accepting my payments. 
This has been very stressful and especially in the past month not knowing what is going to happen. I have called but always get transferred around and I also had my daughter call but they said there is no authorization. I had sent in an authorization a long time ago, and most recently sent another, which I have attached. I am beginning to feel this is discrimination as I am a senior citizen as well as XXXX! 
I also contacted the Board of Directors for Wells Fargo and still no reply. It seems that, that is their way of doing business. I have for the past year sent corresspondence and all I get are generic letters advising they can assist with XXXX programs. Well I have asked, I need a human person to reply and address my specific concern!! Although, today we were told that it was best to fax the documents instead of mailing. GO figure! 
I need assistance to not lose my home and have the bank accept my payments and get back on track. Also not rack up made up fees for attorneys! I appreciate your assistance in this matter.
Consumer complaint received 2015-08-21
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY (KS)

I applied for a XXXX XXXX Credit Card with Wells Fargo Bank. Rather than receiving the card I applied for, I received a different one with far less advantages and that I had not applied for. When I called to inquire as to the reason I was told that my XXXX credit was in the XXXX and thus insufficient for the card I requested. 
Today I have checked all my XXXX reports and none of them is below the XXXX. 
This same credit card switching practice happened to my husband about 2 months ago
Consumer complaint received 2016-09-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo fraudulently " forced-placed '' flood insurance on my personal residence resulting in my having to pay thousands of dollars unnecessarily. The living area of the home is NOT in the floodplain, in fact is XXXX feet above the contour line of FEMA 's " approximated '' flood map. Having complained multiple times to branch managers and regional directors, I was told only " to have FEMA change their map ''. 
Riiiight. FEMA, really? As an engineer, I actually tracked down the paperwork to do so. Onerous is a massive understatement. It would have cost many thousands of dollars to prove a point easily observed by the topo map of my house ( which I do have ) then comparing the topo with the FEMA flood contour map. Wells Fargo LOST a class action suit related to forced-placed insurance recently. I chose not to participate since I intend to file suit myself if they refuse to refund every dime paid for flood insurance at XXXX XXXX XXXX XXXX in XXXX, Texas.
Consumer complaint received 2016-11-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (WA)

The XXXX has directed me to you for help with an ongoing issue I am having with Wells Fargo. In short, they have arbitrarily closed my separate XXXX nonprofit business account thrice. The bank has failed to notify me of these closures, and the bank has failed to restore the nonprofit 's balance that was in the first account they closed without my permission. 

I have notified the bank on numerous occasions and the XXXX helped me restore XXXX account, but Wells Fargo has continued to close my account and has never restored the nonprofit 's balance. As of last week, I was appraised to Wells Fargo illegally depositing a XXXX XXXX donation into my personal checking account ; I can only assume they did this because they closed my nonprofit 's business checking account. It 's my understanding that this is theft, fraud, and illegal, and this appears to align with the illegal behavior Wells Fargo was recently accused of doing with manipulating checking accounts and massive employee firings / federal lawsuits. 

Please let me know what I can to do to remedy this problem as Wells Fargo has ignored my request for resolution. I do n't want the IRS to think my nonprofit was knowingly breaking the law by applying tax-exempt donations to my personal checking account.
Consumer complaint received 2016-11-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

Issue : MORTGAGE LATES XXXX 2014 showing on my credit report by Wells Fargo Bank. 
Story : XX/XX/2014 my marriage was formally Dissolved by XXXX Superior Court. Case number XXXX XXXX. The settlement agreement 'Division Of Community And Co-Owned Property Exhibit E ' gave asset consisting of Single Family Residence XXXX XXXX, CA XXXX to XXXX ( Former Spouse ). The wording reads " XXXX, CA XXXX and any debt or encumbrances thereon until its sold. If property sold, parties shall divide the net proceeds equally as stated in the body of this agreement ). '' RESOLUTION : Ensuring the ALL MORTGAGE LATES incurred after XX/XX/2014 be removed from my credit report by all XXXX credit reporting agencies. REFERENCE : Wells Fargo loan # XXXX XXXX trust deed, Wells Fargo loan XXXX Line of Credit, Wells Fargo loan XXXX.
Consumer complaint received 2016-06-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

OneMain is charging me 17.20 % interest on my car loan dated XXXX/XXXX/2014. Yet I just purchased a car and was financed elsewhere at 5 %. I asked OneMain if they would refinance me now that my credit is better and they refused. I have held off the last few payments as I have tried to get them to redo the loan at a fair rate. Instead all they do is harass me making phone calls to me from XXXX disserent numbers.