davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo closed my account with them XX/XX/XXXX. I contacted their customer service department to figure out why my account was closed. They confirmed that because I had reported my card lost, they had to open a new account. I was angry and told them I did not wish to open a new account. I was left without a bank account for a while. Was unable to deposit/cash my work checks and I was unable to pay my bills. This caused me so much stress and decided to start with a new financial institution. 
XX/XX/XXXX, I found out Wells Fargo had gotten into serious trouble for opening accounts without people 's consent. I inquired on it and they sent me a form ( see attached ). I filled out the form and demanded {$800.00} for damages and time lost. XX/XX/XXXX I was contacted by their mediator by the name of XXXX XXXX. She said they were able to settle for {$400.00}. I accepted on XX/XX/XXXX, and was told I would receive my check within 20 business days. XXXX also said that the new account had a check deposited from my credit union account and later the money was withdrawn. She sent me a copy of the check and as I expected, it was manufactured. On XX/XX/XXXX I contacted XXXX once more, asking her about the check. She said I would receive it within the following two weeks. Two weeks have gone by and I have not received anything. I called her on XX/XX/XXXX and she did not call me back until XXXX/XXXX/XXXX saying the check was sent on Monday XX/XX/XXXX. I contacted Wells Fargo mediation department to confirm the information XXXX had given me and I was told the check has yet to be processed. The rep told me she would submit a request to have someone call me back with the correct information. I received a voicemail today, ( XX/XX/XXXX ). No one knew who contacted me so I was then transferred to a rep who said they could help me track the check. This person was unable to help me and was transferred back to their customer service department where I was told my request would be escalated to someone who would have the right information for me. This was the same person I spoke with on Monday ( from Mediation dept ). I am sick and tired of wasting valuable time from my day to deal with Wells Fargo. They have messed up with my finances XX/XX/XXXX closing my account without a valid reason authorized by me and opened a new account without my consent. I am extremely upset and demand {$1000.00} for the time wasted going back and forth with them XXXX and now.
Consumer complaint received 2015-10-19
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (GA)

I have placed a complaint against Wells Fargo ( case XXXX ) in regards my Certificate of Deposit that were purchaseD under Wachovia Bank, who has since been bought by Wells Fargo, but all of the local Well Fargo branches are not able to locate the CDs. I recieved a notification that they will look into this issue but unfortunately it has been serval months since contacting them about the situation, and I still have n't been updated to the location of the CDs.
Consumer complaint received 2023-10-29
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section.604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2021-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

PLEASE SEE ATTACHED DOCUMENT FOR DETAIL INITIALLY SENT VIA CERTIFIED MAIL ON XX/XX/XXXX, NO RESPONSE RECEIVED, AS OF TODAY XX/XX/2021 @ XXXX XX/XX/XXXX, SENDING THE COMPLAINT VIA CONSUMER FINANCILA PROTECTION BUREAU THESE ITEMS MUST BE IMMIDIATELY ACTIONED AND REMOVED FORM MY CREDIT REPORT
Consumer complaint received 2017-01-09
Product: Credit card — 
Issue: Delinquent account — 
Company: WELLS FARGO & COMPANY (NM)

Wells Fargo deducted {$16000.00} from my personal account to cover a debt that my daughter and son-in-law had incurred with them as a guarantee for a business they own. Wells Fargo stated that they were allowed to do this because of the fact that in XXXX of 2015 I placed my daughter as joint on XXXX of my accounts. I put my daughter on the account as an act of estate planning so she would have easy access in case the need would arise for medical issues etc. for myself. Not my daughter nor my son-in-law had invested a single penny in the account prior to or after I added my daughter to that account. The money had been placed there by myself and my deceased husband which can be proven by where the deposits came from which was from our work or our personal tax returns. My daughter also did not spend any of the money in the account as it was not hers and did not have permission to do so!!! I did not know what was going on with the debt that my daughter and son-in-law had incurred with Wells Fargo or that they were behind on payments. I was never alerted about the debt by Wells Fargo prior to Wells Fargo taking the money out. I had never gotten any mail from Wells Fargo in my daughters or son-in-law name prior to the deduction from my account. After the deduction from my account I started to get mail from Wells Fargo addressed to their business and then also my daughters name as though they were trying to associated the debt to my address and to me. I contacted Wells Fargo personally and was told nothing as I was not the business owner, but yet they can take my money from my account. I submitted paperwork at the local branch and all I got told is that they were allowed to do this. I had an attorney mail a letter and it was ignored ( Attached ). I had nothing to do with the debt of the business that was guaranteed by my daughter and son-in-law or had any doings with their business in any fashion. The debt was solely theirs and not mine. The fact that I put my daughter on my personal account for estate planning and to help ME in case of medical needs and for Wells Fargo to take MY money that my husband and I worked for not my daughters money is outrageous!!!!!!! She had XXXX contributions to that account and it was not hers!!!!
Consumer complaint received 2016-03-31
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo offer a XXXX Pay service to pay other wells fargo customers easily. I used this service to pay someone. The process of payment requires a selection of the " from '' account and the process ensures that sufficient funds are available in order to proceed. There were sufficient funds and the recipient received the amount immediately. 
The next day, I was charged an overdraft fee of {$35.00} for insufficient funds for that specific XXXX transaction.
Consumer complaint received 2017-03-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

WELLS FARGO KEEPS REPORTING THE MORTGAGE ACCOUNT THAT WAS CLOSED AND PAID OFF MANY YARS GO. BUT THEY ARE REPORITNG IT AS OPEN, ACTIVE AND BALANCE PENIDNG.. THIS IS VIOLTION OF FCRA AND WELLS FARGO RESPONDED STATING THEY " WERE NOT ABLE TO DETERMINE THE SPECIFIC CONCERN I HAD ABOUT MY CREDIT ' WHEN I CLEARLY STATED IT IN MY LETTER TO THEM AND ATTACHED A COPY OF MY CREDIT REPORT SEE ATTACHED AS EVIDENCE
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

The company misallocated my on-time payment to another customer 's account and incorrectly reported my account as late. 

Account in Question : XXXX XXXX  incorrectly reported as late in XXXX XXXX.
Consumer complaint received 2016-05-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AZ)

I am suffering from a reduction of income by XXXX % and I reached out to the servicer of my mortgage to see if I could obtain a HAMP. I submitted all of the documentation and then a week later called the representative assigned to me. In that second conversation, she advised me the terms that FHA would give- and added that a {$40000.00} XXXX lien is going to be, no she stated exactly that, " a XXXX lien has already been filed on your house for {$40000.00} '' when I 1. was not even late with a payment and reached out to them in an effort to be proactive and not reactive 2. I had not agreed to any terms of any kind including what they were offering 3. a XXXX lien without any terms agreed upon places the house over the appraised value and would prohibit me from successfully selling the home. I have decided to attempt to sell the home and file bankruptcy. The terms that they offer is of little assistance. My complaint is the placement of the {$40000.00} XXXX lien when I in fact had not agreed to anything at all in any manner and was only seeking what options where available to me.
Consumer complaint received 2016-09-21
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NV)

What Wells Fargo done is not right. I was told last week my refund from My escrow account would be {$570.00} when I received the check it was $ {$41.00}. What I do n't understand I got {$370.00} last year and you compare the number of statement the XXXX do t make sense that we 'll Fargo sent me. I asked consumer protection to look into this matter
Consumer complaint received 2016-12-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (GA)

An unauthorized withdrawal was made from my checking account with wells fargo. they were informed, XXXX emails, XXXX phone calls, They have not answered the emails, put me on hold then hung up with the phone calls. Refuse to refund my money, but continue to charge me overdraft fees, for items that would not be overdrawn if they had taken care of the unauthorized withdrawal. In short, they refuse to help and are making money off their refusal at my expense. They are extremely arrogant.
Consumer complaint received 2015-05-08
Product: Credit card — 
Issue: Delinquent account — 
Company: WELLS FARGO & COMPANY (FL)

offered opportunity to apply for a Wells Fargo Credit Card. My application was denied by W/F Bank based on incorrect information presented by XXXX Credit Reporting Co. 
W/F Bank they denied card based on 1 ) serious delinquency,2 ) Delinquency time frame too recent or unknown,3 ) Proportion of balances to credit limits is too high on revolving accounts. we have had a W/F Mortgage since XX/XX/2003., and have never been late or untimely with our payments. We recently refinanced our mortgage with W/F and have never, never been untimely with payments. W/F reported to XXXX that we have been late or untimely during the refinance period ... which is not true ...
Consumer complaint received 2016-08-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (KY)

In XXXX, XXXX I contacted Wells Fargo because it appeared that they were not applying my payments correctly, bi-weekly as they were paid. They explained, they were not obligated to do it that way, but in the future they would draw down the payment amount from my bank account themselves and credit anything over the amount owed to the principal on the house. At this point, I forgot to stop my automatic payments I had initiated fro my account, so Wells Fargo was receiving over twice the amount I owed them each month. Instead of applying it towards the principal, they used it as a pre-pay towards my future months dept. I contacted them today to explain the error and they stated they could only rework three months of their error. This seems as if its against the intent of the prompt payment crediting regulations. They had my instruction ( which is recorded ) to apply any extra funds to my principal. I would appreciate if you could help me resolve this issue.
Consumer complaint received 2017-02-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

I made a commitment to pay off a closed credit card debt of around {$25000.00} with Wells Fargo bank. I was paying the {$800.00} a month as agreed. On XXXX XXXX, XXXX I had a XXXX XXXX and went into the hospital for three weeks for XXXX. While in the hospital I called Wells Fargo and told them I could not physically get out of the hospital to get to my computer to make the payment. In the meantime I received several payments form clients which were already committed to pay subcontractors. When I returned home on XXXX XXXX and as XXXX as I was I wrote out a check and a letter of Introduction for my grandson XXXX who was my XXXX and asked him to go make the payment. He had a lot of errands and did n't get to the bank in time. On XXXX XXXX, XXXX I went online to Wells Fargo and was stunned to see that they had STOLEN {$24000.00} from my account ( which was committed to paying my subs ) and applied it to my credit card without a warning, a notice or permission. This is outrageous. We put money in the bank for safety so robbers wo n't get it -- little did I know that Wells Fargo were the robbers.
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (ND)

. In XXXX XXXX I inquired about this account concerning an error on my bill. XXXX XXXX Bank would not talk about the details of the matter at hand or the account 's history. I followed up with a letter dated XXXX XXXX, XXXX. This was in reply to the XXXX XXXX, XXXX letter sent to me. At this point in time had ten cycles of six months minimum payments made to request the APR to be removed from this status so I can pay off this debt. I was never over 60 day past due. Please look at XXXX action taken by XXXX, the Experian Credit Reports dated XXXX XXXX and XXXX XXXX, XXXX for the XXXX and compare it to the Experian Credit Reports dated XXXX XXXX, XXXX and XXXX XXXX, XXXX for the XXXX period. They are different. The later reports ( XXXX and XXXX ) were used by them to justify the action. My case never went into debt collection. I was receiving updated credit cards during the years, and I had purchasing rights see XXXX XXXX billing statement. Please evaluate my case in regards to the Credit Card ACT and FEDERAL RESERVE SYSTEM 12 CFR Part 226 [ Regulation Z ; Docket No. R-1370 ] See 226.9 ( h ) ( 2 ) ( i ), ( h ) ( 3 ) ( ii ) .Truth in Lending Law. 

I am highly concern about XXXX XXXX future reporting on this credit line item because it is an open-line capital account : line of credit with no collateral. This account is based on solely on my good credit history and my credit rating. This action questions my inability to pay to other creditors and not the dispute between us over the high APR rate 27.240 % for accounts in defaulted on contract. I am fighting to change the APR rate, pay the debt, protect my good credit history, and my future financial creditability. I have learned from the XXXX ( letter dated XXXX/XXXX/XXXX ) that XXXX blocked my ability to get loans possibly indefinitely.
Consumer complaint received 2016-03-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Legal Department submitting to the reckless demand of XXXX XXXX XXXX XXXX to out XXXX levies on my husband ; 's account and wiped out his savings. Because it iwas XXXX my income and the legal dept of my bank -- XXXX bank advised me that the levy was improper and rejected it. It was proved true by our CPA later. Wells Fargo is unnecessarily delaying to lift up XXXX successive levies that causes hardships on my husband..
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

1.This is maybe my Fourth Dispute with Experian since XXXX of 2016 with nothing Resolve. 
2. I received with completed Disputed Results with Someone else Accounts on it, XXXX XXXX XXXX Accounts that 's obviously not mine. 
3. Experian states that everything on my credit Report is Verified and Accurate but how do you make a big mistake like that again that just proves my argument 4.I have attached my Credit Report Disputes Results to my Complaint. 
5.Please Experian Attach All Documents That you have on File. I Do have the Right to Request Verification all Negative Items. 
6. I Want the 6 outdated paid in full Student Loans accounts remove because its still preventing me from Making Purchasers, if its paid in full was is still showing negative when i have attached the Department of Education letter stating XXXX balanced owned. 
7. Please Experian Respect My Federal Rights and The Fair Credit Reporting Act. 
8 This is My Last Good will Notice since Obviously you make your Own Rules and you Dont have to live by Laws. If this is Not Resolve in the giving Time i will Be seeking ligation because in everyone response you have denied me my rights
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NV)

I was denied for a loan modification ( HAMP XXXX ) on XXXX XXXX, 2015. Wells Fargo Home Mortgage made a mistake on box XXXX of my NPV - Property Taxes. They state they denied me for a HAMP XXXX XXXX because " my modified payment would be less than 25 % of my monthly income ... '' ( See attached denial letter ). However, they had my property taxes incorrect in the review. If they correct my property taxes, then my modified payment would be actually more than 25 % of my income and I should qualify. ( See attached actual appeal letter for more detailed explanation ). This is a cut and dry appeal with no questions there was an error. However, Wells Fargo Home Mortgage ignores ALL appeals and simply replies with a form letter stating they did not make an error. If this is in fact the case with this loan, I hope the CFPB uses this to prove this is what Wells Fargo does to everyone and fines them millions of dollars for lying! I hired an attorney to help me with submitting my paperwork. My attorney filed a dispute to my denial on XXXX XXXX, 2015. The dispute provided a copy of the actual current property tax bill. Wells Fargo Home Mortgage general practice is to ignore all requests. They did this with my appeal. Even though my appeal unquestionably proves they made an error on the XXXX review, they refused to respond to my appeal. Later they verbally said they did a review and it was still denied. My attorney has been asking for a new " Corrected '' NPV chart and denial letter. To date they have refused to provide me this CORRECTED NPV and NEW denial they state they have. In the mean time they have referred my loan for foreclosure. This is what Wells Fargo Home Mortgage does to people. Play games, dual track foreclosure and hold back paperwork in an effort to evade properly reviewing home owner 's for assistance. They do this while the market values of homes increase so they gain more and offer less.
Consumer complaint received 2015-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

I 'm trying to correct inaccurate reporting on my credit report. While Wells Fargo has agreed to update reporting to the credit bureaus more accurately, I 'm still concerned that my credit is being reported negatively unjustly. Specifically, its letter to me stated that as of XXXX XXXX, 2013, I owed {$280000.00}. But for fees added, the sales contract amount of {$290000.00} exceeded the amount owed. The purchase contract was signed in XXXX 2013. The closing was pushed back by Wells Fargo, not by the buyer or the seller. So, is it reasonable, or even legal, that this should be classified as a short sale?
Consumer complaint received 2023-08-08
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. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts XXXX accordance with FCRA, I am requesting these inquiries to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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