davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

As has been my unfortunate experience with Wells Fargo, that they have behaved corruptly towards managing my VA loan and In the past I have filed many complaints in regards to their criminal type behavior. Further the Bank has a rating of " F '' from the XXXX  and over 4000 complaints in the last 3 years which makes the questions of honesty and trust difficult at best. Perhaps this is an honest mistake on their behalf but here is the latest issue I'm having with Wells Fargo : In Mid XX/XX/XXXX I received an escrow analysis from Wells, which clearly states an estimated shortage amount of {$820.00}, to which if I sent in a check for that amount, my payments for the month of XX/XX/XXXX would be {$910.00}. 
That sounded reasonable to me, but I haven't had much experience with Wells Fargo and reasonableness. So I did. I sent in payments of {$820.00} and {$910.00}. 
So, for the Month of XX/XX/XXXX I sent WF two separate payments, Both before the " late payment '' date, which is after the XX/XX/XXXX of every month. 
Attached you will find the escrow analysis, and Bank references to both the escrow shortage payment {$820.00} and payment for the new amount {$910.00}. in option 2 of the escrow analysis.

Yet despite these payments Wells is sending me a confused monthly statement which does not apply the money to their respective coffers, ( escrow, and monthly mortgage ), and then goes further to send a mortgage bill for the upcoming month of XXXX for the amount of {$970.00} as if they did not receive the shortage payment and are deferring to option 1. The correct billing amount for XXXX should be {$910.00} I've been down this road more than once with Wells. where I show them that I have paid any shortage then they take many months to resolve and very simple issue, than should take a matter of minutes to verify that the fund were received and adjust the billing accordantly. 

How hard is that? It took me minutes to log into my bank and verify the funds. I expect the same from Wells, not some long drawn out mess of confusion that I have experienced from them in the past.

I simply ask that Wells acknowledge they have received payment both for the month of XXXX and the escrow shortage payment for the month of XX/XX/XXXX and correct the XXXX mortgage payment amount to reflect the {$910.00} referenced in option 2 To confirm payments and make the Mortgage payment correction should be a matter of minutes, not months. 

Please find the attached payments and escrow shortage analysis.
Consumer complaint received 2020-02-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN INTERNET MORTGAGE (NE)

Your company will NOT reimburse you for the closing cost fee AimLoan charges you for your mortgage. If your company is paying for your move, use another lender whose fee is reimbursable. The loan officer at AimLoan clearly stated to me that their fee would be reimbursed by any employer and later stated they have never had an issue with a customer receiving reimbursement. This statement was made prior to me committing to using them as a lender for my mortgage. I chose to use AimLoan because they stated this fee would be reimbursed. Had I known the fee would not be reimbursed I would have used another lender. 

I am employed by an agency of the XXXX XXXX XXXX and approval of the reimbursement for my closing costs is subject to review by another XXXX XXXX XXXX. That agency determined that the fee was not reimbursable based upon the verbal and written words the loan officer provided directly to the reviewing official at that agency. 

Additionally, in the About AimLoan section of their website they state, Our state of the art website fully discloses rates, points, fees and all third party costs, 24/7. However this is false advertisement as part of the reason their fee was not reimbursed is because they refused to disclose an itemized list for their fee to my approving official. This is clearly false advertising since they do not and will not fully disclose the rates, points, fees and all third party costs. 

Because AimLoan told me that the fee was reimbursable, prior to me committing to using them as a lender for my mortgage, and that their verbal and written words directly led to me not being able to be approved for reimbursement of their fee, AimLoan must return the fee in its entirety. This is in addition to the false statement about full disclosure on their website. In discussions with AimLoan to rectify this issue, AimLoan offered only half of the fee. The total amount of the fee was {$990.00} and the remaining amount they must refund is {$490.00}. 

Additional details : we closed on our new home on XX/XX/2020 and complaints were made to the company multiple times between XX/XX/XXXX through XX/XX/2020. The loan officer is XXXX XXXX.
Consumer complaint received 2020-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

on XX/XX/20 i rec 'd a statement dated XX/XX/20 with a reinstatement fee of {$40000.00} they refuse to give a breakdown of how that fee is calculated i have asked in the past for a explanation of escrow balance late charge balance rec corp adv unapplied funds but they refuse which is a violation of the CFPB i am also asking for a pay off figure
Consumer complaint received 2021-06-15
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: Experian Information Solutions Inc. (TX)

I sent a letter dated XX/XX/2021 to Experian requesting the accounts showing on my credit report for XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX be validated or removed from my credit report. The accounts were not removed. I sent another letter to Experian dated XX/XX/2021 requesting verifiable proof that the alleged debts showing for XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX were indeed my debts. In the letter dated XX/XX/2021 I also requested Experian provide me with the original contracts bearing my signature for the accounts showing for XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX which I am entitled to under the FCRA Section 609. As of today, XX/XX/2021, I have not received anything in writing to prove I am responsible for the alleged debts showing for XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. By not providing verifiable proof that I am responsible for these alleged debts, Experian is violating my consumer rights and I would like these accounts to be removed from my credit report immediately.
Consumer complaint received 2018-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX, XXXX   and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2020-02-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NV)

I made a wire transfer from my account with Wells Fargo to a XXXX car dealership in XXXX on XX/XX/2020. The transfer was supposed to be complete by XX/XX/2020. It is now XX/XX/2020 and the transfer has yet to be completed. An internal investigation with Wells Fargo has been started ( case # XXXX ) but have not heard anything from my bank.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX is reporting an inaccurate payment history to one or more of my credit reports. On Experian, XXXX is reporting that the account first became 30 days late in XX/XX/XXXX, but XXXX and XXXX   show the last payment was made in XX/XX/XXXX, which would put the account going 30 days late in XX/XX/XXXX. XXXX has re-aged the account on my credit report by FOUR FULL MONTHS and is making the late payments inaccurately seem more recent than they actually are. On XXXX, XXXX has omitted the month by month payment history from the report. The account is incomplete on that report. 

I am complaining because I first disputed the account with Experian and XXXX, but they responded to my disputes on XX/XX/XXXX saying that XXXX verified that the inaccurate information was correct. 

After that, I sent a letter directly to XXXX regarding the inaccurate credit reporting on XX/XX/XXXX. I provided them with proof of the date of last payment from my XXXX  and XXXX reports. I also sent them a copy of the dispute letter I sent to Experian as well as the inaccurate account reporting on Experian. 

On XX/XX/XXXX, XXXX responded to my direct dispute letter by saying they already investigated my dispute when I disputed with Experian and that they would not investigate. They also claimed I did not provide any new information, which is a false claim. 

In summation, XXXX failed to investigate my dispute when I disputed with the credit bureaus. XXXX verified inaccurate information as accurate to Experian. XXXX refused to investigate my dispute when I sent them a letter with proof of the inaccurate information. XXXX also has failed to correct the information after all my attempts to get it corrected. 

At this point, XXXX has violated my rights under the FCRA multiple times. XXXX is causing real harm and emotional distress to me by providing this false information to the credit bureaus. I have been charged exorbitant rates on a recent auto loan because XXXX is maintaining this inaccurate information on my credit reports and I have been denied other credit opportunities.
Consumer complaint received 2020-02-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (FL)

XXXX XXXX, of XXXX Michigan XXXX of ( XXXX ) XXXX file # XXXX sent letter dated XX/XX/2020 requesting return of {$23000.00} of unauthorized with drawl from ex-XXXX  XXXX and they failed to return the money. They created more damages by prematurely closing the account.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (TX)

Elan Financial Services is reporting an inaccurate payment history to one or more of my credit reports. On XXXX, Elan is reporting that the account first became 30 days late in XX/XX/XXXX, but XXXX and XXXX  show the last payment was made in XX/XX/XXXX, which would put the account going 30 days late in XX/XX/XXXX. Elan has re-aged the account on my credit report by FOUR FULL MONTHS and is making the late payments inaccurately seem more recent than they actually are. On XXXX, Elan has omitted the month by month payment history from the report. The account is incomplete on that report. 

I am complaining because I first disputed the account with XXXX  and XXXX, but they responded to my disputes on XX/XX/XXXX saying that Elan verified that the inaccurate information was correct. 

After that, I sent a letter directly to Elan regarding the inaccurate credit reporting on XX/XX/XXXX. I provided them with proof of the date of last payment from my XXXX  and XXXX reports. I also sent them a copy of the dispute letter I sent to XXXX  as well as the inaccurate account reporting on XXXX. 

On XX/XX/XXXX, Elan responded to my direct dispute letter by saying they already investigated my dispute when I disputed with XXXX  and that they would not investigate. They also claimed I did not provide any new information, which is a false claim. 

In summation, Elan failed to investigate my dispute when I disputed with the credit bureaus. Elan verified inaccurate information as accurate to XXXX. Elan refused to investigate my dispute when I sent them a letter with proof of the inaccurate information. Elan also has failed to correct the information after all my attempts to get it corrected.

At this point, Elan has violated my rights under the FCRA multiple times. Elan is causing real harm and emotional distress to me by providing this false information to the credit bureaus. I have been charged exorbitant rates on a recent auto loan because Elan is maintaining this inaccurate information on my credit reports and I have been denied  other credit opportunities.
Consumer complaint received 2020-02-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (PA)

I purchased furniture on XX/XX/XXXX from Ashley furniture with an agreement to pay equal installments over 18 months with no charge of interest. [ Ashley Agreement attachment ].

As soon as the account was set up I scheduled 16 monthly payments of {$120.00} each  to pay on the XX/XX/XXXX of every month so I was sure to have the total balance paid off prior to the 18 month agreement. [ 16 payments XXXX XXXX  Online billpay attachment ]. The first payment paid prior to the statement due date. 
Electronic statements were sent, however since I could see the payments being automatically dispersed by my bank, I did not study them. 
When I received notice from the bank that my last payment was about to be sent at the same time I received a statement indicating I owed $ 800+ on the account I called the company. [ XX/XX/XXXX statement attachment ] I first spoke to an account manager and told her I had paid the account on a regular basis and should not have to pay the late fees or interest charges because I made payments every 30 days. She would only rescind three late fees. I spoke to her manager and was told the same thing.
Consumer complaint received 2020-02-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (UT)

They gave us an incorrect payoff, did not process the refinance payoff when funds were received on XX/XX/XXXX, charged you for the interest for their mistake, held your money up over 3 weeks, will not provide evidence or documentation of money they are keeping from you, will not answer all of your questions and you still have not gotten your full amount refunded as promised

from Freedom in writing. After being on the phone with Freedom Mortage customer service for OVER 90 minutes. My phone died. and I don't have the nerves left to call back and sit on hold. 75 % of the time I was on that call I was on hold mind you. 20 minutes just to have someone answer ... Talked to the lady for a bit, she left me on hold for another 20 minutes. She got back on the phone and was hostile with me. Asked for a manager and got put back on hold for 15 minutes. ANYWAY ... .HERE is what I think they are telling me whe
re the numbers are ... and my concerns/comments listed.

Everyone agrees I paid {$3000.00} o

n XX/XX/XXXX. They say they didn't get the titles pay off until XX/XX/XXXX - even though records shows XX/XX/XXXX ... .. So they are saying due to the 'late ' payment the funding was short {$74.00} ( If that was all we were talking about, I would get over it.. ) So that leaves {$2900.00} They had held {$270.00} for FHA insurance they paid for XX/XX/XXXX, but they are sending me a check for that. ( Great that is fine ) And then we FINALLY go
t a check today for {$2300.00} So that leaves {$270.00} ( Which happens to be the FHA insurance number -- So I should get paid that number back twice right?? ) In ADDITIONAL TO ALL THIS .... Our payoff letter stated : " The current Escrow balance is {$1600.00}. But Freedom mortgage is claiming I have {$0.00} in this fund.

In summary, I need a breakdown of where the second {$270.00} went and the {$1600.00} in escrow ( That is a total of {$1900.00} ) Please advise ASAP.
Consumer complaint received 2020-02-25
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: Experian Information Solutions Inc. (VA)

I'm just coming home from being incarcerated for the past 7yrs only to find out that my identity has been used and destroyed within the credit reporting system. I'm asking that the following accounts be blocked from my credit file immediately. 

1 ) XXXX/XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX/XXXX
Consumer complaint received 2020-02-25
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. ()

I have started seeing hard inquiries on my credit report which i dont have any knowledge about, moreover, I am not living in united states for more than 5 years, i am living in my home country XXXX. Below I will give the list of inquiries on my credit report please help me to delete them from my report. 

1 ) XXXX-Inquiry from XX/XX/2019 2 ) XXXX XXXX-Inquiry from XX/XX/2019 3 ) XXXX XXXX-Inquiry from XX/XX/2019 2019
Consumer complaint received 2020-02-25
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. (MO)

Over a year ago I reported the lost of my entire wallet, Inwhich lead to my identity being stolen and my personal information being compromised. I summoned the three ( 3 ) major credit reporting agencies to show just cause the physical proven documentation of these unauthorized fraudulent accounts. What Method Of Verification was used to support the reporting. I asked for the names, dates, time, titles of the person or persons inwhom collected this information. Without filing suit on the credit bureaus, I'm respectfully demanding that the following accounts be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX {$250.00} 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX XXXX XXXX {$730.00} 4 ) XXXX XXXX  5 ) XXXX/XXXX 6 ) XXXX  XXXX XXXX  7 ) XXXX   XXXX XXXX  8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX 10 ) XXXX XXXX XXXX  11 ) XXXX XXXX
Consumer complaint received 2020-02-25
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: Experian Information Solutions Inc. (MO)

Over a year ago I reported the lost of my entire wallet, Inwhich lead to my identity being stolen and my personal information being compromised. I summoned the three ( 3 ) major credit reporting agencies to show just cause the physical proven documentation of these unauthorized fraudulent accounts. What Method Of Verification was used to support the reporting. I asked for the names, dates, time, titles of the person or persons inwhom collected this information. Without filing suit on the credit bureaus, I'm respectfully demanding that the following accounts be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX {$250.00} 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX XXXX XXXX {$730.00} 4 ) XXXX XXXX 5 ) XXXX/XXXX  6 ) XXXX XXXX XXXX 7 ) XXXX   XXXX XXXX 8 ) XXXX  XXXX XXXX 9 ) XXXX XXXX XXXX  XXXX 10 ) XXXX XXXX XXXX 11 )  XXXX XXXX
Consumer complaint received 2020-02-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (AL)

Received a bill from Nationwide Credit , Inc for {$110.00} I have never had a contract with the company or done business with them. I am disputing this bill and the company attempting to collect this debt has added this balance to my credit profile without verification or validation of this debt. This account has been added to my credit profile as a collections account and needs to be removed immediately. This company has been unable to verify or validate where they have a contract signed by me stating I owe them a balance. This account needs to be removed from all three credit bureaus with in 30 days. And I need to receive proof that this has been done within the requested timeframe.
Consumer complaint received 2018-05-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XX/XX/XXXX, I opened a business account with XXXX XXXX at the Bank of America in XXXX.I put {$5000.00}. I know if it does not work, I will lose this amount. I did not know the bank was going to give XXXX XXXX a credit line of {$25000.00} which he will increase to {$35000.00} later. After a few weeks, XXXX XXXX transferred all the money to XXXX XXXX and moved to XXXX XXXX. The last time I talked to him was in XX/XX/XXXX. He was trying to get money from me. After I refused, he got mad and asked me not to call him. A few weeks later, he changed his phone number My wife an I have a joint account at Bank of America. I have never received a call from the bank, an email or letter and I go to the bank almost every week. 
On Friday XX/XX/XXXX, the bank withdrew {$5800.00} from the checking and {$33000.00} from the saving leaving the saving with {$100.00} and the checking with {$74.00} because they did not want to close the account.They said the last time XXXX XXXX made a payment was in XX/XX/XXXX. They just want to collect their money. I have my mortgage, car insurance and other bills to pay. I have never used the card and never been contacted before
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

XXXX and Trans Union are not responding to any of my numerous requests to investigate accounts in my consumer credit reports that were opened fraudulently and provide me the documents with the original signatures that prove the accounts were in fact opened by me.