davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-26
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (UT)

I traded my XXXX XXXX XXXX for a XXXX XXXX at XXXX XXXX XXXX. The trade was made on XX/XX/2016 but Wells Fargo auto finance is showing my existing autuo loan past due and will be reported past due to credit bureaus because they have not processed the new loan paper work in a timely manner. I was told that I needed to call WF Collections and explain the issue and could n't guarantee that my loan would not be reported late. I was told to obtain a 10 day pay off so WF had time to complete the new financing, that date has come and gone and I can not get anyone in the Vehicle Financing Department to care about it 's currently past due or give me any information on completing the new loan.
Consumer complaint received 2016-04-26
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (AZ)

The banking system of the USA has failed us all. 
1 ) I use my Wells Fargo VISA card to purchase a new computer from XXXX. The funds ( {$1800.00} ) are taken from my account the same day ( XXXX/XXXX/16 ) along with another amount for a computer speaker system. I receive the speakers a few days later and the computer itself another few days later via XXXX. My funds are tied up in the system for approx. 5 days. The computer 's power supply fails a few days after receiving it. I return it to a XXXX XXXX store on Sunday XXXX XXXX 2016, they ( allegedly ) order a replacement advising me to pick it up on Saturday XX/XX/XXXX. it is not there on the date promised so I return on XX/XX/2016only to learn that the replacement was never ordered. I demand a refund and only after escalation do I receive a piece of paper claiming to be a credit issued to the Wells Fargo Visa card I used to purchase it. I have at this point not had access to my $ $ for 18 days and have no product. 
2 ) XXXX/XXXX/16 the alleged refund is not in my Wells Fargo account and after repeated requests for assistance ( my wife and I are both XXXX on a fixed income ) Wells Fargo refuses to honor a fraud claim against XXXX XXXX and continue to refuse to immediately credit my account in full per the card holder agreement, instead deciding to earn $ $ on my pending $ $ by not crediting my account. THIS IS LEGALIZED THEFT BY THE BANKING SYSTEM! 
3 ) Assuming that the alleged refund gets credited to my account tomorrow morning, which I do not believe will occur, I have been without $ $ $ in my Savings account for 19 days when it could have been earning me the pittance of interest that the system pays depositors. No one ... NO ONE ... is willing to satisfy a longtime customer. It should be a no brainer, honor the cardholder agreement and immediately credit my account pending the refund from the vendor. It is apparent that no one monitors Wells Fargo at the Federal Level. If I am WRONG then PROVE it to me by penalizing Wells Fargo for their indifference to a true need. The only reason the computer was purchased is because a similar unit was STOLEN from me on XXXX/XXXX/16 as part of a home burglary, where I have the perpetrator ON VIDEO and the POLICE ( who were given the video and name of the perpetrator ) will not make the effort to arrest him and his accomplices. If they wo n't do this, AND IF your organization ca n't help the common man then I HAVE TO ASK " What good ARE you? ".
Consumer complaint received 2016-01-30
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I contacted Trans Union to dispute information on my Trans Union credit file regarding a XXXX private student loan because of numerous credit reporting errors including misrepresentation the data furnisher is providing Trans Union. I spoke with XXXX at Trans Union ( United States ) on XXXX XXXX. The conversation lasted 50 minutes, and specifically detailed the innaccurate account reporting, description, and status of both XXXX private student loans. 
1 ) .The accounts both report date of first deliquency beginning XXXX and XXXX. The report indicates otherwise as fdate of deliquency XXXX and XXXX. 
2 ) Credit report dated XXXX relfected erroneous account information again. Reported as " Charge-off ''. XXXX XXXX called XXXX customer serivice the same day to verify the account status and XXXX XXXX XXXX verified " not charged off ''. ( See attatched doc # XXXX ) 3 ). The accounts are 18 years old and the payment data history is inaccurate, payment history is over ten years, data furnisher removed all previous payment data ( historical data incorrect ). 
4 ) The account responsibility is incorrect. 
5 ) The account number is not listed. What is listed is my social security number. Education loans are no longer permitted to use social security numbers as account numbers. This is a compliance issue the CFPB and FTC should investigate the use of social security numbers as account numbers on ( educational loans and credit reports ) as it can create a security and privacy issue. 
==================================================================== Violations of Fair Credit Reporting and Truth In lending 12.CFR 10 22.40-43 Furnishers Rule Regulation V Subpart E. ( Request for CFPB Administrative Proceeding ) Trans Union ( CRA ) does not fully comply with furnishers rule and often neglects to use XXXX format during the reporting and investigation process resulting in systematic inaccuracy. The data furnisher continues to supply false and erroneous account information to the credit bureau including payment history, account status, responsibility, and other false or inaccurate information leading to logical inconsistancy. Trans Union does not maintain reasonable procedures in cases of disputed accuracy and willfully ignores disputes, resulting in no correction. Information must be one hundred percent accurate or must be deleted. XXXX XXXX has disputed the account previously under fair credit billing which the data furnisher and CRA has not met FCBA or FCRA rules, in addition data furnisher, or assignee violates other lstate or federal laws.
Consumer complaint received 2016-09-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo opened several accounts without our permission by using funds in our business account. Because of this practice, I was overdrawn on my actual account. They rectified the situation but it still haunts me when applying for business loans because of the NSF fees that appear on my statements. When I explained to the lenders, they did not believe me because they thought what I was telling them was illegal and could never happen. It happened 3 times in the past 4 years. and it was done by the same person.
Consumer complaint received 2017-03-11
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (WI)

I opened a business bank account and later I decided to open a merchant account. I was n't informed that the bank decided to open a merchant services account. 
this included a 36 month credit card machine lease, # 2 included gift cards and credit card machine. I DID not ask for merchant services. I even got my business name changed and also my name was changed five ( 5 ) times. Two people were on a business billing statement. They even sold my fruadulant accounts off
Consumer complaint received 2016-09-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IN)

This borrower was offered and accepted a trial modification with payments of {$530.00} for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016. Borrower made her trial payments and has continued to pay but has not yet received her permanent modification documents. XX/XX/XXXX she was told by a representative that the documents would arrive in 7-10 business days. She has not received them, but has continued to pay.
Consumer complaint received 2016-11-12
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY (TX)

Hold on to hat, this is good one. 

The credit card companies have figuered out that their best payors, ( those payors who pay their credit cards online the day they become available ) can be hit with late fees by stating that their payments were processed in the previous month 's cycle. XXXX XXXX XXXX hit me with it about 4 months ago and my Wells Fargo credit card online statement which showed up today has started the fradulant fee process as well. 

For clarity I will explain the process as it rolled out on my Wells Fargo account. The exact process occurred on my XXXX XXXX XXXX credit card during the months of XXXX, XXXX and XXXX of this year. 

On XXXX/XXXX/16 I accessed my online Wells Fargo credit card account to pay my credit card new month 's bill. The date of XXXX was the first day this information became available and the online account screen had my new balance with added interest fees and the minimum payment due listed ( {$80.00} ). I processed a payment of {$82.00} that day. I always pay my credit cards the first day they are available to pay. 

Now satisfied I have paid the current month I no longer access the account online until the next month becomes due. 

This morning ( XXXX/XXXX/16 ) I access my Wells Fargo account online and my minimum payment due has jumped from {$80.00} due to {$180.00} due. Also, I notice my interest fees have increased by about {$30.00} ( from around {$42.00} per month to around now {$68.00} ) I call Wells Fargo to find out what the deal is and am told that my previous month 's payment ( in XXXX ) was processed before the closing date of the XXXX statement and that payment made was structured as an extra payment for XXXX EVEN THOUGH online it gave me a new balance for the XXXX statement, new due date, and minimum due for the next month. 

Essentially the credit card companies are screwing their best payors who do not scrutinize their balance but just pay it immediately. The credit card companies have figuered out that the number of people who catch the fees and complain are far less than those who simply pay without checking. 

This has class action written all over it.
Consumer complaint received 2016-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

I have a credit card account with XXXX XXXX with payment history dating back to 1999 and there have being issues with the account and on-going dispute with the bank.Mysteriously the account prior payment history has being removed from my Experian credit file and the account allegedly sold. All I am my requesting is for the prior payment history to be reinstated to have accurate information as the collection agency XXXX XXXX is making false claims and misrepresentation in court about the payment history and status.
Consumer complaint received 2015-09-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION (LA)

In XXXX my now ex-husband and I obtained an auto loan with Navy FCU. At the time we were separated and he was responsible for making the payments since he did have possession of the auto. I was informed at one point that the loan was behind and when I spoke directly to their customer service department I was told that out of 40 months XXXX payment were late. I was also informed that the loan was refinanced to lower the payments and that I was still responsible. I did not sign any paperwork for any type of changes to the initial loan. I did not receive notice nor copies of the paperwork and it is still reporting on my credit report. I am sending a copy of the letter that was mailed to Navy Federal Credit Union requesting documentation of the account changes showing I am responsible. This was mailed XXXX XXXX XXXX. They questioned them in XXXX all they would state was that it was done legally. I want this removed off my report, I did not receive anything from them after requesting information and I did not sign any type of modification paperwork. I have disputed with the XXXX major credit reporting agencies and I 'm unclear how they are able to validate anything if I can not even get a copy of the paperwork that pertains to this just how are they? I want this removed.
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I have made reasonable attempts to XXXX XXXX with Experian, including the having the creditor agree that the reporting is inconsistent. I have attached a copy of what is being reported by the XXXX major credit bureaus, and as you will see, there are a number of inconsistencies, including credit bureau reporting variations. It is certainly not unreasonable to request this item be deleted, due to the unwillingness of Experian to report accurate information. I am no longer liable for this item, it is paid in full.
Consumer complaint received 2016-12-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (TX)

I called Experian to have my personal information corrected after I pulled my credit report. I told the agent that I spoke to that there were several addresses being listed on my credit report that were neither mine nor addresses that I have ever resided at. The agent stated that he would not remove nor update incorrect information on my report. I informed the agent that I have lived at the same address for over 13yrs and they addresses that were being reported could not be accurate. I have had the same address listed on my TX Drivers License and with my employer as well. My address has not changed in 13yrs. The agent I dealt with was rude and unwilling to assist me in correcting incorrect information.
Consumer complaint received 2016-01-25
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (CA)

I was renting a car from XXXX. They have changed over the years, but that 's another story. I tried to get a monthly billing and tried to return the vehicle a number of times. I bank with Wells Fargo. Apparently, XXXX decided to charge me all at once a month while we were still in negotiations. I did not have enough money in my account for a XXXX charge and did not know anything about the charge. Wells Fargo paid that amount and overdrew my account. I complained and went ballistic. They gave me what they called a temporary credit. They just took the temporary credit from my account and overdrew me again. I am now overdrawn XXXX. This is my question, clearly this is their fault. They block transactions all of the time and make me call for approval on much smaller transactions in my daily life, how on earth did this happen and how am I at fault. They could have made arrangements with me to pay back the temporary credit in small increments over the past several months, but instead they broadsided me again. My account has also been hit about three times since I have had this account. I have been a customer since XX/XX/XXXX. They definitely back corporate charges to my account over my welfare and I have told them that in writing. The retail banking system is not American no matter what anybody says and has to stop. It 's my money. Why am I fighting and arguing over my money. I want to change banks but I am so afraid being treated the same way. I was by BofA to the tune of a settlement in my favor. I am sick of fighting for my money and I do not have much to fight over. 
Thank you, XXXX XXXX
Consumer complaint received 2016-10-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

XXXX of XXXX Wells Fargo, Home preservation ; To XXXX XXXX, and XXXX XXXX and XXXX XXXX ( XXXX ) XXXX ( XXXX ) Fax : XXXX XXXX XXXX at XXXX extension XXXX To home it may concern at Wells Fargo , this is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Partial account number is XXXX XXXX XXXX, 2016 XXXX XXXX, 2016 called at XXXX again I can not believe that this gentleman from your company is still calling me at the hours that I told him I was at work. I am for certain that he is sabotaging me and setting me up to be be homeless. Between the lies he told on me and not respecting my request of times that I 'm home to receive his phone calls and yes I have returned his calls and he never is available to answer his phone directly. He has called again at XXXX PM knowing good and well that I am at work. He ( XXXX ) told me that he starts work at XXXX I understand that it is XXXX time in about two or so hour difference however he could have called at an earlier hour. Please know that I have documented every call that comes into this house via caller ID and I have a log phone conversation record of every phone call that has been made to me from your company. I think it maybe time to find an attorney who will represent me pro bono ( because of my financial challenges and not being able to pay an attorney out right ), to be able to sue you ( Wells Fargo and XXXX XXXX ) not only for stress that you have brought upon me, ( That has changed my life drastically and made health issues appear that I have never had before ), making it hard for me to hold down the necessary jobs to be able to take care of myself financially through this process, but for unfairly treating me as as though I was some kind of XXXX female incompetent dummy. Maybe a lawsuit and attorney can help me get you to be a person of your word and stick by what you said you would do in finding a appraisal agent that can represent both parties. Ironically today I received a phone call from a previous client that I recommended to Wells Fargo to get their mortgage in the past as they are real estate agent and they are having the same identical problems as an XXXX family, and I will be helping them in whatever way I can, sharing all of the experiences that I have went through with your company. I see why your company has so many legal issues currently because of the service that you render to innocent person.
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I am filling this complaint because experian has ignored my request to provide me with the documents that their company has on file that was used to verify an account under " XXXX ''. I have no knowledge of the account being reported on my report. 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. I need physical proof because I have no record of this account. Their response was that it was " verified '' but did not provide either the name of the employee who verified the account or physical proof of the verification off the account. Please resolve this matter as soon as possible.
Consumer complaint received 2015-07-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (CA)

Experian continues years after paying all my medical off to report false information. I have contacted them, XXXX XXXX has contacted them. They continue to ruin my ability to secure financing. All the loans I have are high interest. Please make them stop reporting all my paid accounts as " no status ''. Thank you.
Consumer complaint received 2017-02-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Windham Professionals, Inc. (MD)

Automated recording left as voicemail. The company is calling me as the brother-in-law of someone supposedly owing a debt. They are calling repeatedly and leaving an automated voice mail which asks me to call to have my number removed. 

" Hello. This message is for XXXX. If this is the wrong number, please call XXXX to have it removed. If you are not XXXX, please disconnect immediately. XXXX, you should listen to this message in private as it contains private information. I 'll pause so you can do so. This is XXXX XXXX from WIndham Professional Incorporated a debt collector attempting to collect a debt and any information obtained will be used for that purpose. Please contact me at XXXX. Thank you. ''
Consumer complaint received 2016-09-12
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY (FL)

As a background summary, I had an issue with fraudulent charges on my account and getting the matter resolved in a timely, effective manner. Due to my complete disgust with Wells Fargo 's handling of the matter, when it was finally resolved ( on or around XXXX XXXX, 2016 ), I demanded that my account be closed. I was told that it was and I confirmed this by logging onto the institution 's website approximately 3 days later and confirming that the account was removed. 
On Thursday, XXXX XXXX, 2016, I received an e-mail that my Wells Fargo statement was available for viewing. While the balance was {$0.00}, someone re-opened my account. I believe this is related to the checking account scandal. I do not know if this type of activity ( closing and then re-opening accounts ) was included in your investigation. If it was not, it should be. 
I have notified Wells Fargo of ( a ) the re-opening of my account and ( b ) my filing a complaint.
Consumer complaint received 2016-09-12
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MA)

Received a letter in the mail from civil complaint services on behalf of Ace Cash Express. Letter identified me as the defendant and stated that I was being charged with fraud and for debt collection. Letter stated that I could call their XXXX number to resolve matter or I would be served papers. I do n't recall having a payday loan through this company and if I did, this is the first letter I have received about it.
Consumer complaint received 2016-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

I am in a chapter XXXX Bankruptcy and am working with a HUD approved Housing Counseling Office Named XXXX XXXX XXXX XXXX Who was given approval from my attorney to help me get a modification. The paperwork was faxes on XXXX XXXX, 2016. My counselor has been Calling two to Three days a week for the last 2 weeks and they Keep telling her that a fax was received but it is not loaded yet. My mortgage company is Rushmore Loan Management. I think they are trying not to help me. I know that it does n't take that long to upload paperwork into a system. Please help me!
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Transunion has incorrect information in my file. This has resulted in social security and XXXX credit card being unable to identify me. Also resulted in a low credit score resulting in higher interest rate asked for by XXXX XXXX, credit. This problem doesnt exist with XXXX. Scores are 264 points different between the two reports. The co will not verify their data. Demand that I provide copious information trying to prove a negative or pay a fee for them to do it.