davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX. Account # : XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXX XXXX. Account # : XXXXXXXX XXXX XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2020-11-14
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (CA)

The previous complaint with CFPB, reference number XXXX, was resolved. Attached is a copy of the letter from TD Bank confirming resolution. However, when I attempted to use the retail card, it prevented me from completing the purchase. Attached is the screenshot of the attempted transaction.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Attached Screenshot proves XXXX  reported to Equifax {$0.00} balance due but they will not update my credit score, I need to help family get loan for XXXX Please ask them to update my credit score
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

Experian, XXXX, XXXX are not updating my credit report from XX/XX/21 to XX/XX/21 for XXXX months straight I made my payments before due date. I submitted disputes advising no update for XXXX XXXX XXXX XXXX XXXX XXXX. I also reached out to XXXX financial XXXX xs to do a update. I pay XXXX a month for Experian to keep updates and submit disputes. They then put slash markings XXXX through XXXX which doesn't show that I been current and paid on time. This is XXXX if I had been XXXX days on account they will ding me IMMEDIATELY. I NEED AN ATTY AT THIS POINT I'VE DONE EVERYTHING. Also my inquiry updates are off. I'll admit to having past bad habits w my credit. I've been working on my credit a year I feel like I'm being XXXX balled
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2016-06-03
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

I sent in a payment for XXXX 2016 monthly mortgage, ( principle and interest ) check # XXXX for the amount of XXXX and an escrow payment check # XXXX for the amount of XXXX, XXXX of which were cashed by Wells Fargo on XXXX the XXXX XXXX. My monthly mortgage amount is XXXX which matches the amount of the Mortgage Check, however WF did not apply my mortgage according to the monthly statements dated XXXX XXXX, XXXX XXXX, ( please review attachments ) but sent it to an undisclosed application. Also the amounts of what they move to this unapplied funds changed within each statement with no clear total of how much is in the manufactured " unapplied funds accounts '' Wells did apply the escrow check to the escrow account. In addition to these XXXX XXXX payments, I made an additional XXXX ACH payment to Wells also on XXXX XXXX XXXX, this is because they also withheld the previous month 's payment and demanded more money. 
I have yet to receive a year end statement for year ending XXXX as required under law. The closest I got to it was some worksheets that Wells used to correct the previous miss applied funds in XXXX XXXX. In addition, Wells keeps referring to " my contract agreement ''. My Loan is a VA loan and the terms of that loan were determined by the XXXX. I have complied with those terms fully and have never missed a payment. I have satisfied both the monthly mortgage account and my escrow account, since the inception of this VA loan in XXXX. However Wells has pirated my accounts ( both mortgage and escrow ), and have not followed policy and is some cases law, ( i.e. they gave me XXXX escrow analysis in XXXX 3 months apart and they also misapplied funds in XXXX XXXX and then in XXXX issued statements where there were shown to take money from my principle and apply it to interest ) and consistently move my payments around to meet the funds they wish to raise manufacturing what they describe in threatening letters to me as delinquent and pre-foreclosure, none of which is accurate. To reiterate, since XXXX I have never missed a VA mortgage payment, or insurance/tax payment ( escrow ) and have fully complied with the terms if my VA loan agreement, whose customer I am. My association with Wells Fargo is that they bought the loan from the VA, but I never went to WF as a customer, and would not have. This means that we are associated because they brought the loan, hence we are associates, and I am not their customer and do n't purchase Wells Fargo 's products, just for the record, other than this VA loan we have no other relationship.
Consumer complaint received 2016-06-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

XXXX I refinanced my home loan. New loan of {$320000.00}. There was another loan of {$170000.00} but they did not pay this loan off. Thus from the first day we refinanced the property it was upside down. House then was worth {$360000.00}. With a loan of {$320000.00} plus another of {$170000.00} = {$490000.00} XXXX to Wachovia to Wells Fargo. 
In XXXX. the second which was {$320000.00} was falsly suboridated making it the first place loan. Thus we have never had a house worth less than our original loan.
Consumer complaint received 2021-08-23
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: EQUIFAX, INC. (TX)

FCRA VIOLATIONS : NOT MINE XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX Phone number not available Auto Loan XXXX XXXX XXXX XXXX XXXX ) XXXX Collection XXXX XXXX XXXX XXXX XXXX, TX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Collection XXXX XXXX XXXX XXXX Phone number not available Collection XXXX XXXX XXXX XXXX Phone number not available Collection XXXX XXXXXXXX XXXX ( XXXX ) XXXX Debt Buyer U.S. DEPARTMENT OF EDUCATION XXXX XXXX ) XXXX Education U.S. DEPARTMENT OF EDUCATION XXXX XXXX ) XXXX Education U.S. DEPARTMENT OF EDUCATION ( XXXX ) XXXX Education U.S. DEPARTMENT OF EDUCATION ( XXXX ) XXXX Education U.S. DEPARTMENT OF EDUCATION XXXX XXXX ) XXXX Education U.S. DEPARTMENT OF EDUCATION ( XXXX ) XXXX Education U.S. DEPARTMENT OF EDUCATION ( XXXX ) XXXX Education U.S. DEPARTMENT OF EDUCATION ( XXXX ) XXXX Education
Consumer complaint received 2015-07-31
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (MD)

This is the XXXX time I am complaining to you about the unfair banking practices of Wells Fargo in relation to their checking accounts. I accessed my bank account online and Wells Fargo showed a posted balance of {$190.00}. The asterisk clearly states the posted balance includes transactions that are pending, thus leading the customer to believe the posted balance is the remaining balance minus the pending transactions. So, over the weekend I purchased XXXX product for {$12.00} and then another product for {$5.00}, which are new transactions totaling {$17.00}. The new transactions totaling {$17.00} should well be covered by the posted balance of {$190.00}, right? No, I was charged XXXX XXXX overdraft fees for a total of {$100.00} to cover the {$12.00}, {$5.00} and another recurring {$4.00} transaction. The posted balance is a false balance and leads the consumer to think he or she has more money in the account than he or she actually does, So what happens? The consumer purchases something within the posted balance and creates overdrafts on multiple items, which is profit for the bank. ( I do n't think it costs the bank {$35.00} to " cover '' a {$12.00} or {$5.00} purchase ) Either the bank 's assertion that the posted balance includes posted AND pending transactions is purposely misleading or the posted balances are miscalculated. In either scenario, the consumer is primed for overdraft fees. This practice must stop and I am asking your Bureau to investigate and ensure personal checking balances are accurate within the industry. Personally, I believe I should not have paid overdraft fees since I acted on the posted balance as stated by Wells Fargo and I am seeking reimbursement.
Consumer complaint received 2016-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (WA)

I obtained all XXXX of my credit reports and my XXXX credit report shows a 90 day late payment, dated XXXX of XXXX. This is XXXX XXXX so this information is 7 years and two months old. As per the Fair Credit Reporting Act, my rights as a consumer are that a consumer reporting agency may not report negative information that is seven years old. I was denied for a conventional home mortgage due this piece of information that is not even supposed to exist on my credit report, as of 2 months ago. I need to have this remedied and appreciate your help. Thank you, XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2015-12-23
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (CA)

Hello, This item is in question to chase Credit Card Services. My account number : XXXX. This account is not past due, XXXX was charged off. It still shows late and PAST DUE on my credit report. The account number is The amount past due in question is {$1100.00}. I have verified that if an item is charged off it can not show currently past due or late. I have repeatedly disputed this item with no correction. Chase has refused to correct how this is reporting.
Consumer complaint received 2015-04-02
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

RE : Reference # XXXX Complaint XXXX/XXXX/2015. Please do an extensive investigation. I checked my checking account XXXX/XXXX/2015 to find my refund from my credit company has been put into my savings account, which was suppose to go to my checking account! My credit card company does not have my savings account number nor did I give it to them, I have proof. This tells me that someone at Wells Fargo Bank is fraudulently going into my account posting transactions and taking money out. PLEASE HELP ME AND FIND OUT WHO IS DOING THIS!
Consumer complaint received 2015-08-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

On XXXX XXXX, 2015 I sent the following letter to Wells Fargo in XXXX XXXX, Iowa requesting detailed information about my escrow accounts : XXXX XXXX, XXXX : Escrow DepartmentWells Fargo Home MortgageXXXX.XXXX XXXX XXXX, IA XXXX Sir or Madam : I request a complete and itemized break down of my escrow payments withheld from my WF mortgage payments going back to the very beginning of our association. 

Please include in your letter ALL escrow you have charged me, including property tax escrow and their individual and separate totals to the present date. 

Please include an itemized and dated list of ALL charges related to escrow of all kinds and any pertinent copies on this subject. 
I expect a reply in letter form within 10 working days. 
Thank you in advance for your time. 

XXXX XXXX XXXX XXXX XXXX, PA XXXX & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; I mailed that letter to Wells Fargo on XXXX XXXX, 2015. 
Federal law states that I have a right to a reply within XXXX working days, XXXX XXXX, 2015. 
On XXXX XXXX, I got a letter from Wells Fargo telling me they would reply XXXX XXXX, 2015. As of XXXX XXXX, 2015 I have not received the requested information PERIOD, let alone within the time limit. 
I demand that Wells Fargo BE SITED AND FINED FOR THIS VIOLATION, and I be compensated for the violation of my rights. Wells Fargo had a long history of illegal violations. The Consumer Financial Protection Bureau has been informed of their practices and have done NOTHING at all.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company.
Consumer complaint received 2016-03-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY (NV)

I co signed on my daughters student loan some years ago. She stopped school and I encouraged her to realize the loan would become due and to setup a repayment plan. I went into bankruptcy in XXXX but continued my own student loan payments. I assumed she was taking care of hers. My attorney listed the debt and said it would be " taken care of '' ( all my own payments were on time ). I ended bankruptcy in XXXX XXXX and the case was soncluded XXXX XXXX. I found out the loan was in default via a phone call from the collection dept and this was XX/XX/XXXX. I verified my daughter knew and was unemployed. She would get back to them. XXXX XXXX XXXX the collection agency of wells fargo took {$3600.00}. from my account via a " written check ''. I called and they said they would give back some of the money {$1400.00} but it never happened. Wells fargo cant help me as they say its a separate department and they do what they want. Now I have a direct deposit and my tax refund coming. even though they say they wont take these it appears they lie because they promised my funds returned by Tues XX/XX/XXXX.. My income has been reduced by half. Im 6 years away from retirement and losing my vision so I do worry about how long ill be able to work. I need that money.
Consumer complaint received 2016-05-19
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OH)

I had sold my home, which had a loan serviced by Wells Fargo Mortgage in XXXX of XXXX. The person I sold it to had fraudulently misrepresented himself and did not pay off the mortgage. When I realized what had happened, I contacted Wells Fargo and reported the problem. They said they would look into it. A few months went by and nothing had happened. I then found out the FBI had arrested the " Buyer '' and charged him with mail fraud, related to the scamming of dozens of homeowners out of their homes. I contacted the XXXX and gave a statement, in which I was then entered as a victim to the crime. During this process, I was passing all of this information to Wells Fargo, XXXX Office of the President. Many more months went by, where Wells Fargo claimed they were looking into the issue. 

Finally, In XXXX XXXX, Wells Fargo made a determination. Unfortunately, they determined that the case was not related to fraud. I had asked how they made this determination prior to the courts and no response was given. 

In XXXX of XXXX, I received a copy of the judgment and restitution for the XXXX. A judgment was issued to Wells Fargo for the balance of the mortgage to be paid by XXXX XXXX. I spoke to the Victim Witness Coordinator who also sent a letter stating that I was not responsible for XXXX actions. 

After receiving the documentation, I contact Wells Fargo again and asked them why they foreclosed on a house they received a judgment for. That was in late XXXX, XXXX and it is now the middle of XXXX, XXXX. More than a year of asking Wells Fargo to look into this issue and nothing has happened, except for the destruction of several families lives and credit.
Consumer complaint received 2016-09-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (AZ)

Please sanction Wells Fargo Home Mortgage. As I approached the end of my Mortgage Obligation, including a point when the funds in " Our '' escrow account were sufficient to retire the Principal ( including any related " nuisance '' interest for whatever number of days of interest Wells Fargo Home Mortgage could conjure for its administrative delays ) -- yet, payment demand continued. Then, with a final insult of a colloquially-known " Loan Payoff '' form letter from Wells Fargo Home Mortgage, it adds the audacity of " we require the loan to be paid in full. '' This despite the fact that this same form letter shows a dollar figure of " Your Escrow Balance '' -- as in " my '' ( " my money '' ) which pays not only what was demanded therein but would 've covered the principal pay-off, accumulated interest, and associated conjured fees from the statement preceding. Yes, this likely only happens for a borrower one time in a loans ' lifecycle -- but, I neither have any control or recourse. It is only " my '' Escrow Balance when it is convenient for Wells Fargo Home Mortgage to label it as such. Instead to the very end, I am supposed to pay-in on a deadline with consequence, while the return of the Escrow Balance when all is done and said will take its time and will be at no risk of consequence in the event of Wells Fargo Home Mortgage delay or error. I submit this first-off to get a Case Number, so that a record of some sort exists when Wells Fargo Home Mortgage fails to perform what they indicated will be done, which is to apply monies from the Escrow to close-out the Mortgage Loan, before sending the balance of unused Escrow to me. 

In the larger sense, I ask why, would not the forward calculations be made to automatically apply the Escrow Account balance when the Principal, Interest, and pending or anticipated Escrow-covered-disbursements net to zero -- send that as a notification ( perhaps even with a pending period equivalent to whatever policy-based delay the Mortgage Lenders currently have built-in before returning " unused '' Escrow Funds ). In this way, administrative overhead for the Mortgage Lender, and Customer inconvenience of arranging pay-off would be effectively eliminated. XXXX imagine that, ... the Mortgage just ends saving at least two unnecessary exchanges-of-funds. Recall that the Mortgage Lender has all of the information and control -- all I get is the " of course '' when something is screwed-up!
Consumer complaint received 2016-02-02
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (IL)

In 2006, I refinanced my home and was sold an illegal loan in the State of Illinois ( Pick-a-Pay Loan ) with World Savings. Now owned by Wells Fargo Bank. I have already made a complaint with CFPB. Please see previous complaint # XXXX and XXXX. I am putting through a second complaint because the answer from XXXX XXXX at Wells Fargo is insufficient. Firstly, he did not look into any of the issues. He must advise me why there are XXXX applications with different incomes which were both incorrect. I can prove it by supplying proof from the IRS that I was not making that much money. Secondly, I had given him a letter from XXXX XXXX insurance and he did not even research the type of insurance that was purchased. He stated in his response that it was title insurance. The insurance policy taken was in case I defaulted on my loan. They changed my income on the application after I signed it. They then took out an insurance policy with XXXX XXXX in anticipation of my default so when the minimum payment of the loan tripled, they could put in a claim. XXXX XXXX letter indicates that there was no claim with the insurance policy. I will attach the letter sent to us by XXXX XXXX. I will also attach XXXX XXXX letter showing that no research was attempted.
Consumer complaint received 2015-07-09
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (MD)

I put in an offer on a house which was accepted on XXXX/XXXX/2013. I had already been pre-approved by Military Family Home Loans ( co-owned by XXXX and Wells Fargo ) who was the originator of my loan. I had to constantly re-submit requested documentation due to dealing with " XXXX underwriters ''. Additionally, I was never presented with the closing paperwork prior to actually closing on my house. The closing date was set for XXXX/XXXX/2013, and as of XXXX the night before we still had not received the closing paperwork or final amount needed for the down payment. On the day of closing, the paperwork was finally received shortly before closing at XXXX, and I come to find that my monthly payment was increased to {$1700.00} a month, approximately 11 % more than the original {$1600.00} I was quoted in the Uniform Residential Loan Application/HUD. Upon calling my loan officer, I was informed that the underwriter made a mistake regarding property taxes, and there was nothing she could do. Therefore I had no choice but to close at that time, or risk losing the house.