davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (VA)

When paying a moving company they wanted to be paid using XXXX thru my bank, US Bank. Since US Bank 's website states " With US Bank and XXXX you can send or receive money safely and securely '' I felt comfortable with this. On XX/XX/20 I sent {$460.00} via my bank and XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The company confirmed receipt of the {$460.00} but never delivered the piano. They don't answer their phones. I filed a claim with US Bank and they denied it saying " the transaction posted as requested ''. The email used for the transfer was XXXX. Apparently XXXX does not offer fraud protection on transactions. 

Hopefully the info above is enough. Please contact me if more info is needed. I was not sure what category to report this under so hopefully this works. 

Thanks- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX
Consumer complaint received 2016-05-18
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (FL)

On XXXX/XXXX/16 I called my banking institution, Wells Fargo to request a charge of {$2100.00} to be reversed from a debit card purchase on XXXX/XXXX/16. Where I visited XXXX XXXX XXXX Fl. to have XXXX XXXX. XXXX XXXX. My plan, was after having the retreat completed ; I elected XXXX XXXX XXXX, also of XXXX XXXX XXXX XXXX, to do XXXX XXXX XXXX. 

On that day, I made a deposit of {$2100.00} to XXXX XXXX for the unscheduled svc for the XXXX XXXX. The XXXX # XXXX was to be done in XXXX parts, in which my insurance ( XXXX ) was used to cover the cost. However, due to the exorbitant billing and being prescribed a medication that I XXXX ... I decided not to allow The XXXX XXXX XXXX do any further work. 

I called my insurance to let them know that I was going to select a new XXXX, to complete the work, they informed me that XXXX XXXX XXXX XXXX submitted a claim for a completed svc even though they had not finished the retreat svc and was paid fully which left me with no benefits to see another dentist. My insurance Co. requested a refund for {$560.00} from XXXX XXXX XXXX for and incomplete svc XXXX. 

I never received and invoice from the XXXX XXXX XXXX for any svc. All I was given was an estimate sheet and a receipt for the {$2100.00}, with no detail of what the deposit was for. 

I then requested the {$2100.00} deposit to be refunded from XXXX XXXX XXXX XXXX, to no avail. So, on XX/XX/2016, Wells Fargo reversed XXXX XXXX. 
On XXXX/XXXX/16, I visited XXXX XXXX XXXX XXXX and had a XXXX finished, prepped and fitted for XXXX. On XXXX/XXXX/16, XXXX XXXX installed XXXX XXXX, XXXX XXXX and the other XXXX XXXX. 

Later that day on XXXX/XXXX/16, Wells Fargo re-reversed the funds and debited the {$2100.00} from my acct. Which now has my acct negative {$1600.00} Once I contacted the claims dept. of Wells Fargo, I was told that the merchant ( falsely ) submitted a document stating XXXX svc for XXXX XXXX. 

I am a loyal customer of Wells Fargo. In this situation, Wells Fargo did not honor its customer 's word, neither did they reciprocate the loyalty. I have submitted all pertinent documents to support my position and still Wells Fargo is waiting to hear from the other party on a false claim.
Consumer complaint received 2016-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo Home Mortgage is incorrectly reporting an account on my credit report. My account was closed in XXXX and for some reason Wells Fargo reported to XXXX in XXXX which is voiding the item from falling off the XXXX bureau by statue. I contacted Wells Fargo and they told me my file was archived and they could not verify information or help. This reporting is in violation of fair credit reporting practices and also preventing me from obtaining a new home loan.
Consumer complaint received 2016-09-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo Home Mortgage has established a scheme to prevent its customers from legitimately paying down their mortgage by paying on a bi-weekly basis. They hold on to a policy that says that they can not accept partial payments, when in fact this is not the case. They will hold funds in an " unapplied '' status until the second payment comes in. They are getting the payment interest free from their customers, and charging them interest in the interim. I had made an extra XXXX payment, then proceeded to establish a regular bi-weekly payment for the following month. I received a notice stating that the " balance was due '' on my mortgage account. It is an utter lie. This must be stopped! We taxpayers bailed these banks out and this is the way our government allows us to be treated and it is totally unacceptable.
Consumer complaint received 2016-10-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

I spoke to my rep today XXXX XXXX and there seems to be a lot of mix ups happerning concerning my account. 

1. The liens are still on my account they were not removed. There were XXXX or XXXX totaling XXXX and a XXXX judgement all for illegal liens for back maintence that at the time I was not behind. the modification was completed after these liens were still there and not subordinating nor any inquiries made by Title or Wells Fargo. 
Modifications were not permitted with liens, still unsure how this all happened ad XXXX still stating the liens were not there per there title company. 
2. Wells put a claim into the title company for these errors - a claim for the liens 3. Ask for deed in lieu papers and short sale papers - nothing received to date 4. Asked why if I 'm behind I have not been offered any form of assistance modification wise. XXXX offers a principle reduction. The loss mitigation department says I 'm not entitle to one, XXXX mac says different. How do you determine without processing an application 5. asked if Wells offers any assistance to stop a forclosure from the association XXXX lien. 

This is a recap of the items discussed. 
The explanation that the title issued was settled months ago is untrue. Noone has held the title company liable for the errors made.
Consumer complaint received 2020-07-30
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. (MN)

This writer submitted a dispute to XXXX  on XXXX. And a follow-up correspondence from XXXX they requested additional information in order for the fraudulent accounts and inquiries to be blocked or removed. I have attached a copy of that request from XXXX to this complaint. I originally sent the police report which named the accounts and inquiries in dispute. This writer was unaware that XXXX  would need any further information however has agreed to provide that information to XXXX for the dispute process to continue. There are two accounts reporting on my credit they are a result of identity Theft. I am directing XXXX to Block the Following two accounts from being reported as they are result of identity theft XXXX  XXXX XXXX Acct # XXXX and XXXX/XXXX XXXX   Acct # XXXX. Both of those accounts are listed in the ID death affidavit and a police report as fraudulent accounts. As far as I can tell XXXX has already removed the fraudulent inquiries so no concerns there. As requested I am attaching to this complaint a copy of my drivers license, a copy of my utility bill, a copy of my checking account statement, a copy of my Social Security card, a copy of the ID Theft affidavit filed this writer filed with the FTC and a copy of the police report this writer filed with the XXXX XXXX Police Dept. Both reports specifically name in each inquiry and each account that is fraudulent. I am requesting removal pursuant to section 605B of the fair credit reporting act which states that fraudulent accounts must be removed within five days of receiving notification from a consumer that the accounts are the result of fraud or identity theft. I am now exercising those rights and I request for removal of the information
Consumer complaint received 2016-11-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MN)

I have a IRA through my past employer that is managed by wells fargo. I attempted to have wells fargo send a rollover check to XXXX - as I wanted to switch investment companies. Wells fargo claim they issued a check at the end of XXXX, 2016. After over a month and the check was never received by my financial advisor, I called wells fargo and they stated that their system showed the check was sent, but not cashed. So, wells fargo stopped the first check and reissued a second check. After another month of not receiving this check, my financial adviser and I got on the phone with wells fargo on a conference call. they stated that they would stop the second check and reissue another. My adviser suggested wells fargo overnight the check so we can track it this time. My adviser asked wells fargo to cover the cost of overnighting it. Wells fargo declined and stated they could not cover the overnight fee. I asked the lady for a supervisor and I was sent to XXXX. I asked XXXX for her name and she would not give me her last name, but gave me an employee reference number of XXXX. I asked XXXX what her supervisor 's name and reference number was and she refused to supply me with this information. I asked XXXX to provide me with her location so I could hold her accountable as XXXX at a Certain location. She shared she was at XXXX of many XXXX, MN locations, but could not tell me where she was located. I asked her if I did not get the check in the mail for the third time what the process would be at that time and she stated she would deal with it when it happens. I asked what he policy was in this situation and she said she did not know and would have to research it. I am very frustrated as my money has been out of the market for a couple months and I can not get it from wells fargo. I want my money and I want Wells Fargo to tell me what they will do about it. I normally would not do anything further, but given the resent headlines about wells fargo, I figured I might not be the only one who has had trouble getting my money from them out of my retirement account. So I figured I would report it here. The first check number that was supposed to have been sent was XXXX and was sent on XXXX/XXXX/16 and the second one that was issued was on XXXX/XXXX/16 check number XXXX. I still do not have my money and my account through wells fargo went from of {$15000.00} to {$0.00}.
Consumer complaint received 2017-03-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (TX)

I deposited two checks from large corporations that I have deposited from previously. Wells Fargo put a hold on the checks the next morning saying they would not go into my account for a minimum of at least a week. When I called the bank to see what happened Wells Fargo said it could be longer than a week before I would get my money. Wells Fargo said they were n't sure what was wrong. I never sign the backs of my checks when I deposit in the ATM but Wells claimed that was the problem. Then Wells claimed the 2 entities that wrote the checks did n't have the money in their accounts to cover the checks. Later an extremely rude branch manager told me I was over drawn ( I was not ), and that was the reason the deposited checks were being held. Everyone I asked gave me a different excuse but no one was willing to help me get to the bottom of the problem. I was finally told by Loss Prevention that I needed to get verification letters from the banks that wrote the checks. I did this and Wells called to verify one check, which was then funded into my account. The other check had been canceled by the company that wrote it. The following Monday Wells debited my account for the canceled check. I called to tell them they could n't debit my account for the canceled check because it was never funded into my account. It had been held and never funded. The customer service person told me " it was never held. It was funded into my account the day I deposited it. Just look at my account online. '' They had manipulated my account and removed any evidence of the hold and made it look as though they had funded both checks into my account the very day I had deposited them!! I still have emails and a letter that was snail mailed to me for proof of the hold.
Consumer complaint received 2016-12-06
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (CA)

Complaint to Finanacial Protectio Burau XX/XX/XXXX ( case XXXX ) in Spanish. 

WHAT HAPPEN In XX/XX/XXXX after to make my monthly payment on line I notice that I have an interest charge. Even that Wells Fargo Financial National Bank told me that I would get 0 % interest for the {$8800.00} corresponding to the cost of changing the widows of my house with XXXX. 

XXXX told me that they would offer special financing through Home Project loan from Wells Fargo Financial National Bank. 
I fill out the form in the second page of the application indicate Annual Percentage Rate ( APR ) for purchases 27.99 % and APR for Cash Advance 27.99 % ( attachment 1 ). I was asking about this interest and XXXX ( the home improvement salesperson from XXXX ( attachment 2 ). XXXX told me that if I do not use the card that interest will not apply. I never activate the credit card from Wells Fargo ( attachments 3 ). I never gave the account # to XXXX I am not sure how they got pay by Wells Fargo Financial National Bank. 

In the Wells Fargo Finantial National Bank application ( attachment 1 ) There is not any information about deferred interest. 

However in my statement of XX/XX/XXXX my balance was {$3600.00} plus a interest charget of {$3300.00}. I called to Wells Fargo Financial National Bank and they told me that this amount it was a deferred interest. I did not know what was referred interest. I went to Internet to understand about it this interest because I was not familiar with. 

In XX/XX/XXXX. I offer to pay my balance. XXXX Research Remedation Analyst did no accept it ( attachment 4 and 5 ). The new balance was {$6700.00} with extra $ 27.99 %. The new balance now according with Wells Fargo Financial National Bank now is {$5000.00}, XX/XX/XXXX. XXXX answered my previous complain case XXXX. In the second paragraph from " information about your account '' said : " On XX/XX/XXXX, a charge of {$8800.00} was made with special financing term od 18 months, No interest if Paid in Full, and Regular Monthly Payment required during the special terms period. You minimum payment amount WAS SET UP base off the AMOUNT of the total purchase and LENGTH OF YOUR PROMOTION. 

$ XXXX {$300.00} Minimal payment it was SET UP by Wells Fargo Financial National Bank and require 28.57 months period to pay {$8800.00} but they make the mistake and set up for 18 months. 

The last statement from XX/XX/XXXX my balance according to Wells Fargo is {$5000.00} ( attachment 6 ). Well Fargo make the wrong calculation to pay in full. With the minimal payment that tit was set up. My last payment in order to pay the original amount of {$8800.00} is XX/XX/XXXX for the amount of {$280.00}.
Consumer complaint received 2016-09-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

in 2008 I applied for and received a loan modification from Wellsfargo bank. It was in XX/XX/XXXX that my new payment would begin. I phoned Wellsfargo to ask if they could put the first two payments off due to the fact that I was preparing to take my son on college tours. the representative said that they could not guarantee two months but she saw in my account that a payment had been posted to my account and to call back the following month to see if I could get the second month that I was requesting. In the middle of the month I started to receive ca calls telling me that I was late with my mortgage. I explained that I was not late but that I was told I did not have to pay due fact that funds had been applied to my account. the repress informed me that the money had been applied to my account inadvertently but was taken out later that day. No one informed me me of this. The investigation team did an investigation and found that money had been applied and take out but they failed to notify me. Then they asked me to resubmit another modification application, I did and that is when the put my hom in quicksale ( which was also a mistake ) I am still in my home but they have harassed me for 8 years because I refused to pay XXXX mortgages when it was their fault. they acknowledged tha that it was their error but stated that I still was responsible. 
these people have harassed me all day every day for the past XXXX years. it has been recent that I was able to make a payment on that past due payment.
Consumer complaint received 2016-02-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OH)

My mortgage is with Wells Fargo Home Mortgage ( WFHM ), Loan number XXXX. I have been trying to take advantage of the government programs to reduce my mortgage interest rate since XXXX XXXX and have received a run around from WFHM because I had temporary employment and unemployment income. XXXX XXXX I received a permanent job back in the federal government. I informed WFHM the moment I was accepted for the job but was required to present a letter of acceptance and income amount to prove I had a job, which I did. Then I was required wait and fax a copy of my paystub. I faxed copies of my paystub starting in XXXX. I was set up for a modification with 3 payments to be made in XXXX, XXXX and XXXX of XXXX. At that time I was told my interest rate would be XXXX. WFHM changed my Home Preservation Specialist and I was ignored there after until I started calling and complaining. I called every month since last XXXX. In XXXX my complaint to WFHM was excalated because their Title Department was saying that I had a lien against me that was holding up my paperwork. That was not true and I had to call the State of Ohio to obtain information and literally do the Title Departments job for them by printing and faxing the paperwork to WFHM that the the Attorney General 's office required to be completed to verify that there were no liens against me. The Attorney General 's office could not provide information to me to give to WFHM. I spoke with a young lady named XXXX who guided me to the website to obtain the forms to be completed. WFHM needed to contact the Attorney General 's office themselves which they refused to do. Everyone that I spoke to at WFHM on 3 different levels told me that it was my responsibility to clear up the lien issue and prove that the information for a XXXX XXXX was not me. Now after 10 months I finally received paperwork that has an interest rate of XXXX. I was told by XXXX XXXX that nothing would change from the initiation of this modification. It was approved with the initiation of the 3 trial payments and as long as I made those payments on time as required, the modification would be finalized as stated at the 3.385 interest rate. I have been struggling trying to get WFHM to work with me for two yeays, long before I ever got behind in my mortgage and have gotten a run around. Now they are changing rates on me and I want this to stop.
Consumer complaint received 2016-06-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (AL)

I am filing a complaint in reference to a dispute for accounts that are being reported incorrectly on my credit report XXXX XXXX who holds accounts for XXXX XXXX XXXX. The have continously ignored my request to conduct a proper investigation and report the correct account information. They have not provided me with the documents that their company have on file that was used to verify the accounts. I have sent numerous letters requesting these documents that they have yet to send. Ive contacted to original creditor and they couldnt even send me any information so how did the credit bureau very this? Under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act- they are requested to " promptly delete all information which can not be verified '' that I sent correspondence on. I would like this matter resolved as soon as possible. This is really disrupting my livelihood the blatent disregard to send me the information requested and verify this account.
Consumer complaint received 2015-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MS)

Judgement showing on my credit report was never recorded and was paid to the original credit before filed. I have disputed 3 times through bureaus and they keep verifying it but the record is wrong. The judgement was never filed and should be completely removed from my credit report.
Consumer complaint received 2020-07-30
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2015-09-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

Disputed a case originating from a XXXX credit card with Experian, XXXX. XXXX refused to give me information about the account, because it had been transferred to collections. Collections would only send me verification of the debt if I provided them with a utility bill, which I do not have because I live with family. I have never been sent a notice of this debt and nobody will send me anything in writing proving that it is mine, or even telling what account it 's relating to. I was under the impression that all balances with XXXX were paid in full, and do not know where this balance came from. I was also under the impression federal law required the collection company to verify the debt with me when I requested it in writing, which they have also failed to do. 

I disputed the case with the bureaus stating this. They simply mailed a notice saying " The collection agency has verified the debt. ''