davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Amount : {$9900.00} I previously submitted a dispute to Experian regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Experian failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Experian upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-09
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2016-07-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

I am the executor of an estate that is in a foreclosure status with a sale date of XXXX XXXX. We received documentation back in XXXX 2013 that the property had been paid in full prior to Bayview Loan Servicing , LLC acquired it from a portfolio I was told they bought. One asset manager tells me Bayview is the owner of the property and the servicer while another tells me that they are subservicing it for XXXX XXXX XXXX, which XXXX denies. The foreclosure notification and any paperwork that Bayview or their attorney sends to me states that XXXX holds the note, which I know is not correct. They were the trustee for a trust that the mortgage was in at one time. It has since been dissolved. I need assistance with having this alleged lien cancelled/satisfied.
Consumer complaint received 2016-09-30
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (SC)

I had an installment loan with Cash Central which they reported to XXXX XXXX and XXXX despite explicitly agreeing not to. I disputed this once via CFPB and Cash Central agreed to remove it. I just checked XXXX reports and they have not done so. They are in violation of the agreement. They need to remove this from XXXX reports.
Consumer complaint received 2016-07-19
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

Since XXXX, I have been denied access to my account information and force to waive my legal rights to apply for a loan modification to default on my mortgage and foreclosure on my home by my lender Wells Fargo Bank. I have repeatedly question information on a marital account, have be denied access, or transferred until I am still denied support. I am told that my name is not on the account and that my wife name is the only name attached, but I have received billing statements that show my name does exist on the account. I have been paying a mortgage for my home, since XXXX. In XXXX, my wife abandoned our marriage and withheld financial information from me concerning our home. Further, I learned that she arbitrarily removed my name of the deed of trust with my knowledge and authorization, however, my name is still attached to the mortgage loan. In a divorce or separation, marital property is XXXX between spouses until a court of law determines who acquires the home in a settlement. The XXXX XXXX XXXX has not render a decision on the matter as the case is pending and I should not be forced out of my home because my wife is using unethical tactics to push me out with the support of Wells Fargo. I should have the opportunity to workout options to keep my home and not be forced into foreclosure when I have legal rights to preserve my home from loo mitigation. Further, I did not receive any warning or notice from Wells Fargo that they were going to conduct a non-judicial foreclosure sale until 4 days before the sale to take place on XXXX. I was suspiciously sent a late notice by my wife by mail, which alerted me that the sale was in a couple of days. This is improper conduct by Wells Fargo. They had an obligation to notify me of options, give me the option to modify the loan before referral to foreclosure and an opportunity to complete a loan modification application. I was denied when I was denied access to obtain the documents and information needed to complete the loan modification application and to consider my options.
Consumer complaint received 2016-06-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (MD)

I am a university student preparing for an internship in XXXX. I went to a branch office of Wells Fargo Bank in XXXX, Maryland and requested XXXX counter checks to cover the security deposit and rent on my summer sublet. What I was sold, at the time, were cashier checks, which I did not understand were not counter checks. I sent the counter checks to the lessor and they were apparently lost in the mail. Upon realizing this, I called the bank to stop payment on the checks but was told that I had to go into the bank branch office with the checks to issue the stop payment. I went to the bank the next day - XXXX XXXX, 2016 and was told that I had to pay {$120.00} for a surety bond for the XXXX checks and an additional {$62.00} for the stop payment. When I asked why I had to pay for a surety bond they just stated that it was the policy. I asked what the surety bond was for, and they indicated that it was for the re-issuance of the cashiers checks. I stated several times that I did not want the checks reissued, but they continued to state that I had to pay the surety bond fee because it was their policy. I asked several more times why a surety bond was needed when the checks were not being re-issued. The customer service person finally checked with a supervisor and reported that the {$120.00} fee was not necessary. If I had not asked the reason for the fee many times, I would have been charged {$120.00} for a service that was not necessary. They then went on to state that I still had to pay the {$62.00} fee to put a stop payment on the checks. This process took a total of 1.5 hours to resolve in the bank branch. After finally agreeing to pay the stop payment fee, I was told that I could not do it after all because the bank branch notary was not in the office that day. I was told that I would have to come back another day. My complaints are : 1 ) that I was sold XXXX cashier 's checks when I asked for counter checks which I learned would have been drawn on my account directly and which I could have cancelled over the phone ; 2 ) that Wells Fargo attempted to charge fees that were not appropriate for my situation ; 3 ) that the banks staff was not knowledgeable of the fee requirements, relied on simply stating that it was policy and only relented after several questions as to why the fee was necessary ; 4 ) that the bank, while open for business, did not have proper staff available to address my stop payment request ; 5 ) that by not providing the service as requested, added risk to me in the form of potential loss of funds ; and 6 ) that I was required to return on another day in order to complete the stop payment process.
Consumer complaint received 2016-10-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I am the primary borrower on an FHA mortgage from Wells Fargo Bank. For my XX/XX/XXXX payment, I accidentally scheduled a payment from an account that had no funds ( because it appears first on the Wells Fargo portal ). 

Wells Fargo 's online system tried to process the payment and ( not surprisingly ) the payment bounced for insufficient funds. Rather than notify me, they proceeded to process the payment 2 more times, resulting in a total of {$96.00} in insufficient funds charges on my originating account. 

My complaint is based on the following : ( a ) If the payment bounced the first time, why would Wells Fargo continue to attempt to process the payment 2 more times without notifying me? 

( b ) Is there anything in Wells Fargo 's documentation that clearly informs the consumer that a submitted payment will be processed multiple times without prior notification to the consumer?
Consumer complaint received 2016-10-05
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

PLEASE HELP : This is NOT related to current allegations/litigation ( accounts being opened ) against Well Fargo, but SOMETHING NEW, that I believe you are not aware, according to Wells Fargo Executive Office themselves. 

I just got off the phone with their EXECUTIVE OFFICE, specific to a complaint I filled with them via email and once again, they admitted that they violated their own BILL PAY policy and unjustly profited by charging me overdraft fees. 

I also received confirmation with them that this phenomenon is UNRELATED to the current lawsuits/claims and has never been litigated. 

The problem is SYSTEMIC and over the past 3 + years, they have profited XXXX of dollars off of me in contrived illegal overdraft fees. 

What makes it doubly unfair is, when you complain, they might refund some fees with admission of guilt and apology but, they only GO BACK 3 or 6 Months ( 6 if you press them ), because that 's only as far as their " system will allow ''. This means THEY KEEP ALL THE MONEY THEY STOLE - knowing it is illegal and against their own policies - if it was beyond 3 or 6 months. 

I for one, have been victimized by this, what I believe to be a deliberate scam, or at minimum, a deliberate indifference toward what they know exists and no doubt, there are XXXX of XXXX, if not XXXX, that have as well. 

THE BANKING SCAM/ISSUE : Wells Fargo has a BILL PAY FEATURE that they make available to all customers. They will send out a check on your behalf to your designated BILL PAY RECIPIENT from any XXXX of your linked accounts if funds are available. Check sent is equivalent to a Cashier 's Check. HOWEVER, when you do not have enough available funds, they routinely and historically will send out the check anyway - even if the account is overdrawn - so as to charge you a non agreed upon {$35.00} overdraft fee. 

THEY ADMIT THAT IT IS AGAINST THEIR OWN POLICY AND ILLEGAL. 

This practice dates back many years and is systemic. I have personally suffered loss of XXXX of dollars from multiple accounts combined. 

Please help. 

XXXX, Ca XXXX
Consumer complaint received 2016-11-07
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY (TX)

As A Wells Fargo customer for 25 years, I was sent information for a pre-approved Wells Fargo Rewards Credit Card. So, I applied and was accepted. I wanted to take advantage of the benefits and consolidate some debt. 

I had the account for a few months, awaiting a decision on which other credit cards would be in my best interest to consolidate. I, then, received a letter from Wells Fargo stating they closed my account. I called customer service and the representative explained it was due to inactivity. I explained that I only had the account for a few months, but the decision was policy. 

I asked to speak to a supervisor and received the exact same answer, so because I have a good relationship with the bankers at my local branch, I decided to speak to them. 

I called my branch and spoke to XXXX and she was very helpful. She made an appointment with me to speak to a banker, in person, the following Monday, XXXX XXXX, 2016. 

When I arrived, we called the XXXX number, as I had done before, and the answers were still the same. So, the end result is : 1. Wells Fargo closed my account due to inactivity. When asked what the criteria or time-line was for closing an account, the representative stated their were many reasons for closing an account at anytime, but could not produce XXXX reason. 
2. By closing my account, this will affect my credit negatively, when I did nothing to warrant either my account to be closed or my credit to be affected. 
3. The representative said I could always re-apply, thus running a credit report and affecting my credit. I was already approved, Why should I have to re-apply? What gives Wells Fargo the right to negatively impact my credit, when I have been in compliance? 
4. Upon investigating my options from competitive banks, I will be withdrawing my funds immediately from Wells Fargo. After 25 years of service and commitment, I expect the same from my bank. 

The ONLY remedy I will expect from Wells Fargo is to re-activate my Wells Fargo Rewards Credit Card with a letter of apology and commitment to excellence to me and their customer base.
Consumer complaint received 2016-10-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NY)

I XXXX XXXX request that my current mortgage servicer applies their option to the Federal Housing Finance Agency for a serious reduction in principal against my home located at XXXX XXXX XXXX, XXXX, New York XXXX. I am attaching several correspondences that apply to the foreclosure crisis in America, and believe that my request for intervention by the FHFA is necessary to settle my foreclosure matter at this time. The FHFA is not only designated to help those with mortgages eventually sold to XXXX or XXXX XXXX, but also as a trustee to all mortgages connected to any designated home loan bank. XXXX happens to be one of those banks. I respectfully request intervention into my case as a matter of principal. I realize that the current Attorney General of my state is pushing for the FHFA to live up to its designated requirements. There are well over XXXX active foreclosures in New York State alone. In any event, I respectfully request the Consumer Financial Protection Bureau to prepare my file for potential federal agency intervention to mitigate damagers to the legal process that can go on for years. I believe that after every federal and state agency has the opportunity to place their input, including my Congressman in my jurisdiction, then there is a greater probability of a settled resolution.
Consumer complaint received 2016-07-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

I closed on my home mortgage from XXXX XXXX XXXX. I received a letter from Wells Fargo Home Mortgage dated XXXX XXXX, XXXX that the loan was transferred from XXXX to them. I had no prior notice of this from XXXX or Wells Fargo. I thought I was to be sent a notice of assignment 15 days prior to the transfer/servicing of the mortgage. Section 6 of the Real Estate Settlement Procedures Act..I went to XXXX, Va. court house and got a copy of the deed and the date of assignment on the deed is XXXX XXXX, XXXX to Wells Fargo Home Mortgage from XXXX. I feel I was mislead by Wells Fargo by the letter they sent me on XXXX/XXXX/XXXX. I have been making payments to Wells Fargo since XXXX/XXXX/XXXX and was told on numerous times they held the deed to the property, when in fact they did n't.
Consumer complaint received 2015-07-13
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (TX)

I have a home equity loan with Wells Fargo that I wish to refinance with XXXX XXXX XXXX. The payoff quoted to the credit union was {$6200.00} more than the balance of the loan. Wells Fargo says that is to cover insurance they placed on it from XX/XX/XXXX till XXXX. I have always been fully covered by XXXX insurance. XXXX verified that they did fax proof of coverage for that time period to Wells Fargo XXXX. XXXX re-faxed all pertinent documents again today. Wells Fargo is telling me it will be 12 days before they can " process '' the faxes! Meanwhile my loan ca n't close with XXXX. Wells Fargo has had the documentation needed since XXXX. In addition, how could lone year of insurance on a {$170000.00} home in XX/XX/XXXX cost {$6200.00}?? Wells Fargo seems to be very inept or very dishonest.
Consumer complaint received 2016-11-01
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

I 've filed a complaint with the CFPB ( Case number : XXXX ) and received the Unethical Reply by the Mortgage company of original complaint. The review was as follows : " We 've been unable to establish contact with the authorized third party, XXXX XXXX XXXX We 'll need additional time to ensure we fully address all of the concerns brought to our attention and provide a thorough response. We appreciate your patience as we finalize our research. '' I STRONGLY DISAGREE with any suggestion that I, XXXX XXXX, XXXX have been difficult to reach! 
Upon receipt of the Unethical Response I made phone contact with CFPB to bring notice of the Unethical Response. I was directed to make another complaint, which this promotes. 
This type of Unethical Behavior demonstrates the Unethical activities of WellsFargo Mortgage. It 's unfortunate that the PRESIDENT of the institution and subsequent employees gamble with his/their financial stabilities, with the direct involvement bringing liability to such activities. 
WellsFargo must NOT be attempting to any form of contact with me and their response to my original complaint is another misleading message and is in fact one of deception.
Consumer complaint received 2016-08-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (TX)

In XXXX XXXX I called Wells Fargo Home Mortgage ( WFHM ) and spoke to a customer service rep concerning my mortgage payment for that month. Since i was still in the " grace period '' the customer rep offered a repayment program called a Temporary Forebearance Agreement. Under this program the XXXX XXXX mortgage payment would be deferred and repaid in XXXX equal installments over the next 3 months. The repayments would be in addition to the normal mortgage payments due at that time. 

I asked the customer rep it entering this program would reflect negatively on my personal credit report. Her response was that if i complied with the terms of the agreement then nothing negative would be reported to any of the reporting agencies,. However, in order to participate in the program i had to agree to allow WFHM to debit my account when the XXXX XXXX, XXXX XXXX, and XXXX XXXX mortgage payments came due plus add XXXX of the deferred amount to the total. In addition, since the agreement was made during the XXXX XXXX grace period I would not be considered delinquent. 

I agreed to the terms as i understood them at that time and provided the customer rep with my account number and I did not make the XXXX XXXX mortgage payment. The program was completed in XXXX XXXX and the obligation completed. 

Two problems have arisen for me as a result of this agreement with WFHM : 1 ) The missed payment somehow grew into XXXX delinquent payments 2 ) The aforementioned alleged delinquent payments were reported to XXXX, XXXX XXXX, and XXXX consequently negatively effecting my credit and credit score In reviewing the mortgage summaries for these periods and item labeled " Applied Funds '' appears. It seems that when WFHM debited my account they did not know where to apply the funds. The complete payments might have been placed in an escrow account and neither the regular nor deferred payments were properly credited even though paid per the agreement and on time. Since WFHM presumably designed the program and offered the product to customers it seems reasonable to think that they would have known how to manage and operate it. Once the funds were debited I had no control over how the funds were treated.Of course the customer suffers from the banks inefficiencies. 

Lastly, i did not receive a copy of the Temporary Forebearance Agreement until XXXX XXXX. As a result fully understanding the terms was different than what was explained by the customer rep. WFHM claimed that my conversation with the customer rep was recorded but when pressed to produce it they could not. So it becomes a case of my word against theirs.