davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (NC)

Upon graduation, I had went into immediate repayment. I was unemployed at the time. I contacted Wells Fargo about the loan and they said the only thing they could do was I make a XXXX month payment before I could get a XXXX month forbearance. I had XXXX months of unemployment and then when I did finally get a job, it was part-time at minimum wage. I called and went back and forth with Wells Fargo for a couple months when it went back into repayment, unable to get a lower payment or any options for assistance. During that time, I could n't make any payments which put me behind on my loan. I convinced my boss to give me more hours and managed to scrounge up the monthly payment and made XXXX consecutive payments to keep from defaulting but I still was n't able to catch up. This resulted in many calls, almost daily, from Wells Fargo while I was at work, very early in the morning, or past my bed time. Even if I was capable of answering their calls, they would n't offer any assistance and were just demanding that I pay the full past-due amount, which I could n't do. They have also sent monthly notices about my loan being XXXX payment from charge-off. Now that I 've finally secured a full-time job this past month and can make the monthly payments without too much struggle, the last payment did n't go through for some reason. I called in the morning of the next business day, since they were closed for new years and the day after, only to find out they charged off my loan and now I have no options to rectify the situation at all. Not even giving me any business hours to rectify the payment I had tried to submit before. So now my loan is headed to default as I ca n't pay in full once it goes to the collection department.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2016-09-16
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (MN)

I visited my bank on XX/XX/XXXX16 for the purpose of withdrawing {$1300.00} from my savings account. After the teller counted the cash, I requested an envelope. He gave me the change from this transaction, but not the envelope with the cash. I was not aware of this until I left the bank. I returned to the bank within 5 minutes, but the teller claimed he gave me the cash. Bank employees checked my purse as well as my car.This envelope with cash could n't just disappear into thin air. The bank in question does have a Resolution team, but since this is 'in house ' I feel they could be biased. Also, an entity within the bank has viewed the video from this transaction and can only tell me the video is inconclusive. I do n't understand this. If they can not show me that the teller handed me the cash, I would think the bank findings would be in my favor. I have filed a police report as I feel a theft occurred and the bank is not allowing the police department to view the video as of the date of this writing. 
The bank is not being transparent or forthcoming with information.I believe you to be the only agency that can assist me with resolving this issue. I also want to note that this bank has no video cameras outside their front door, so no determination can be made as to what happened when I exited the bank. I think, overall, the bank 's lack of security regarding cameras is appalling.The bank in question is Wells Fargo, located XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

I recently look at my consumer report and notice that i have inquiries on my report that doesn't belong to me and was recently denied credit because of this Please remove them asap with in XXXX business days : XXXX, XXXX, EXPERIAN, 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 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
Consumer complaint received 2017-01-05
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

On XX/XX/XXXX my lease for my XX/XX/XXXX XXXX is completed. I am going through personal health issues with XXXX, my husband and I thought that the best thing right now is to keep the SUV and fiance the remaining balance. I will be XXXX % honest that some payments were late, but I never had any repocession and I always caught up. This was do to me being ill. Not because we did not want to pay. On Toyota 's side and what they reported to credit agency 's is inaccurate. I tried XXXX times to straighten out with Toyota and dealership. Neither helped. I then have been contacted by both the dealership and Toyota of my expiring lease and what my next step is. I emailed the dealer telling them what my current situation was pertaining to car and health. Because Toyota destroyed my credit - I had to get a co-signer. I had the proper co-signer, more then sufficient income XXXX {$1500.00} a week via spouse ) and that I would be able to put a down payment. Toyota refused. They caused the issue by not reporting properly or every time I faxed ALL their XXXX logs from my credit union magically never got. I have been called a deadbeat by a XXXX XXXX XXXX agent - then Toyota paid ME {$100.00} in good will via claim filed through CFPB. The dealership promised I would get approved no worries. Now not the case and have ignored me since. I have been approved through XXXX other dealership ( XXXX and XXXX ). Now I am in a position health wise I have been given XXXX months to a year to which Toyota was informed. Still did not matter. I have tried XXXX times to correct situation. Now I will be with out a car. This all transpired over XXXX - when I really should have devoted my time to my XXXX children and spouse. I attached texts from dealership saying " Do not worry it will get handled ) .... The new fiance XXXX I am dealing with his very assitant has and is having same issues with Toyota. I have texts from that as well.
Consumer complaint received 2017-01-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CCS Financial Services, Inc. (NY)

My credit report shows that I owe XXXX XXXX and this particular debt collection agency is collecting the debt did not notify me of this debt and give me a chance to respond. I was successful in getting this deleted in XXXX out of the XXXX credit reporting agencies, but ca n't get XXXX to budge unless I pursue this further.
Consumer complaint received 2017-01-05
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I tried paying off this debt several times. I explained That I had lost my job. And then as a last desperate attempt to salvage my life I was moving to Hawaii and I needed an extension on making a payment and they were not willing to work with me so I did not make any for the payments. This was over 3 years ago.
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MI)

going into reports for XXXX and Equifax I were asked questions that I answered correctly they did not apply to me and I was told that the information was incorrect and I could not receive my reports but the answers did not correspond to anything about me. I would like to dispute credit items online and can not get any human to speak with to correct information or tell me how to respond to the questions.
Consumer complaint received 2017-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TN)

I recently purchased a home for XXXX. It appraised for XXXX. I requested to have XXXX removed since I have the proper loan to value ratio to have it removed. Wells Fargo sent me a letter stating my options for removing XXXX. I spoke with a Wells Fargo representative and we looked over the letter together while on the phone. She stated that I qualify to have XXXX removed, but that I need to have another appraisal done at my expense. I had another appraisal done, and the value was stated at XXXX. I received a letter from Wells Fargo stating that I do n't qualify for XXXX to be removed because I did n't make improvements to the home. This was not a requirement in the letter l initially received, and it was n't a requirement that the rep told me when I was told to order the appraisal. I want Wells Fargo to refund me for 1. ) the cost of the appraisal, 2. ) the XXXX fees that I have continued to pay while they " investigated '' this issue, and 3. ) my legal fees in rectifying this situation. I also want them to be compelled to remove XXXX.
Consumer complaint received 2017-01-05
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Riverwalk Financial Corporation (AL)

On the date of XX/XX/XXXX, I sent XXXX XXXX XXXX certified mailing requesting validation under FDCPA, XXXX XXXX XXXX Sec. XXXX XXXX b ) of a debt they bought from XXXX XXXX. 

Documents I requested included Letter of Sale or Assignment from the original creditor to XXXX and proof of licensing to collect on a debt in the state of Alabama, and requested that the debt be labeled as " disputed '' with each of the credit bureaus being reported to, all of which the company failed to provide and do in their responding mailing to me. 

Before reaching out to XXXX XXXX XXXX, I found the Secretary of XXXX has the company listed as " Dissolved '' as of XX/XX/XXXX, making it illegal to due business in the state of Alabama. 

Upon contacting the company, I was informed by a representative, who placed me on hold to speak with his XXXX, that they in fact did not have to provide me with a XXXX of XXXX or XXXX, nor their licensing status.
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AL)

I have a closed account with XXXX, loan # XXXX, which is reportedly differently with the XXXX reporting agencies. I pay Equifax {$19.00} a month for credit monitoring and access to my credit report at any time. While applying for a loan, I was informed by a banker that the Equifax report that they pulled showed a major delinquency of XXXX months on this account, it specifically says " XXXX days past due '' for XXXX months ; the section for XXXX days past due said " XXXX '', the section for XXXX days past due said " XXXX '', but the XXXX days said " XXXX ''. The banker said that didnt even make sense. On the report that I am able to pull for $ XXXX, it shows as " paid and closed '' and the date of major delinquency is " blank '' and there is not any mention of ever being past due for XXXX, XXXX, or XXXX days. The reports were totally different. I brought in a copy of the report that I pull for $ XXXX to the banker at XXXX and XXXX showed me their report. I called Equifax and was not given any explanation of the discrepancy between reports. 

Also, the credit score on the report that I pull for $ XXXX was XXXX points higher than the report that the bank pulled. I was informed that the underwriting department can only use the official report that they receive from Equifax, and the copy that I pull for {$19.00} could not be utilized. I was denied the loan based upon the " serious delinquency of XXXX months ''.
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been trying since last year to obtain my credit report online from Transunion. I have disputed the issue several times to Transunion and i was told that there is not an error on their part. But it is! My file has some sort of block on it that will not allow me my credit file online unless i PAY for it. I 'm attaching again a copy of the error message i have been getting since last year. every time i call they can not give me any information as to why my file is blocked for myself to view
Consumer complaint received 2017-01-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (FL)

In XXXX, we had a mortgage with Wells Fargo Financial. On XX/XX/XXXX, we signed a Deed in Lieu of Foreclosure issuing the property to Wells Fargo Financial. The house was subsequently sold to another buyer that year. In XX/XX/XXXX, Wells Fargo reported on my credit report that they had received a deed for collateral in lieu of foreclosure on a defaulted mortgage in XXXX. This could not be possible because the deed was signed in XXXX. I tried repeatedly to dispute the information with Wells Fargo and the credit bureaus. I provided a copy of the signed and notarized Deed In Lieu of foreclosure clearly indicating that the date was XXXX and not XXXX. Under the fair credit reporting act, this should not show up on my credit report at all as I have waited well over 7 years. On almost every occasion, Wells Fargo would act as though they could not find the loan or they would tell the credit reporting agencies it was correct. I became frustrated and gave up. However, I am in the process of buying a home and am being refused a mortgage because of this reporting. Although this was done in XXXX, Wells Fargo has refused to correct the problem. I wrote them on XX/XX/XXXX and explained that I was buying a home. Wells responded saying they would give me a response by XX/XX/XXXX. ON XX/XX/XXXX, I called Wells and was told they needed to XX/XX/XXXX. This will cause me to lose my financing. I explained this to Wells and told them that I had provided everything. They can even pull up the public record and they, as they have always done, showed no care at all. It is a simple 5 minute fix and they refuse to correct it. They explained that the credit bureaus were not reporting correctly. The credit bureaus blame Wells and here I am stuck with something that I did not do. The actions of both parties, but especially Wells, has left me, the consumer, with no recourse. I have a family that includes XXXX children and this is preventing us from being able to have a home big enough to house our family.
Consumer complaint received 2017-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

My long term partner XXXX XXXX, after unsuccessfully trying to collect this debt from his estate this collection company aggressivly came after me. This is not my debt, it was not a debt I was aware of, I do not live in an area that would make me any way legally liable for this debt. After providing the requested XXXX certificate they simply removed his name from the debt and added mine. This is and unfair, unethical and not even legal way to collect a debt.
Consumer complaint received 2016-12-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (MO)

Since XXXX of XXXX my loan has been transferred to Caliber Home loans. The first month after acquiring my loan Caliber attempted to change my monthly payment. In XXXX of XXXX Caliber sent me a refund check stating that I had overpaid. Soon after that I noticed that they were escrowing my taxes and insurance. Since my retirement I have been paying my own real estate taxes. The insurance has gone through my previous mortgage company but I would rather get my own insurance. All of this was being done despite the fact that my previous lender sent out a letter stating that the terms and agreements in loan would not be changed. Each and every month I sent my mortgage payments to the post office box listed for Caliber and the payments were received on time per my postal delivery confirmation printout. The payment for XXXX XXXX was never sent to my bank. I mailed that payment to Caliber, the same address that I had always used before, on XXXX XXXX by priority mail. I finally received the check back around XXXX XXXX from a different mortgage company that was also in Texas, undoubtedly XXXX that they know. Caliber has charged me about {$420.00} in late fees for XXXX. I know for a fact that it is not possible because I have always sent my payments with delivery confirmation that shows the date in which Caliber received my payment. I believe that this company is attempting to manufacture a default. The late charge is {$25.00} and even if I were late every single month, the most the late charge could be is {$300.00}. This company is now claiming that I owe them over {$9000.00} in fees and payments. I am retired and have always made my mortgage payment every single month. They are trying to steal my property. My XXXX payment was received at their address on XXXX/XXXX/XXXX but the check was n't processed at my bank until XXXX/XXXX/XXXX. They have just sent me a right to cure default letter threatening foreclosure in XXXX.
Consumer complaint received 2017-01-05
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (NE)

I called CareCredit billing inquiry specialist -XXXX # XXXX at XXXX this morning of XX/XX/2016 about the closure letter they sent in regards to my complaint on a transaction charge. I tried explaining my issue in regards to product and services received was questionable raked with QC issues. She iterated that there was nothing she could do and that they are a bank only. I tried explaining that the product was defective in which I was charged {$650.00} for a XXXX that was less than 3 months old that never fit the first time XXXX. I explained that it broke upon removal XXXX twice. The final time it broke the XXXX refused to fix it or replace it and was told it would not be fixed. This is a lemon the 1st time I received and paid for the said product and it never worked accordingly with Quality issues. I explained that I should have to pay for this costs since it was a lemon to begin with.The person I spoke to was ignoring my plea and insisted that this was a bank only and refused to help. I even mentione dthat no one ever called me in regards to the investigation to hear both sides of the story or whether I have the option of formally writing in to dispute the claims made by the other party.In addition, when I requested to speak with her supervisor, I was told immediately that she was not available. When I asked to speak with the Dept Head, I was told the same thing - not available. When I insisted, she said that someone will call me back within a couple of days. This is a total brushoff. I am paying {$650.00} for a product that is defective from the start. I am not getting any fair credit card protection in this case nor any fair compromise or recourse.
Consumer complaint received 2024-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (GA)

Greetings, On Wednesday, XX/XX/XXXX of XXXX, having low experience with banking transactions, I mistakenly did an ACH transfer to account number XXXX, routing number XXXX, and the name of the account was XXXX XXXX XXXX XXXX XXXX Account for XXXX XXXX XXXX. 
This was done during the closing of an FHA streamline refinancing, and the wire instructions were given by XXXX XXXX XXXX for the amount of {$2500.00}, as confirmed by the closing attorney. 

The next day, XXXX XXXX XXXX told me that, though the funds are out of my bank account, they were not received because ACH transfers are automatically rejected and that the funds would return to my account within 1-3 business days. 
In an attempt to accelerate the process, since I did not have an extra {$2500.00} to wire, on XX/XX/XXXX at XXXX, I call PNC XXXX XXXX ). I gave the trace number of the ACH transfer, which was provided to me by BXXXX XXXX XXXX -my bank-. The trace number is XXXX. 
The PNC associate tells me that she will be able to help with that. After verifying account and routing numbers, as well as amount and name of the account, the associate asks me to verify XXXX XXXX XXXX  recent transactions. Being unable to do that, I tell her thatll have someone from that company call them back. Powerless, I called and emailed every person I could at XXXX XXXX XXXX so they could make this rejection and return of funds faster. 

The next day XXXX, the Vice President of XXXX XXXX XXXX, XXXX XXXX, tells me that ACH transfers are automatically rejected and that it takes 3-5 business days for the funds to be back on my bank account. 
Today is XX/XX/XXXX, and my account has still not been refunded! We are on business day number 7. What is going on? My complaint is this : it takes 5 minutes for PNC to debit my account, but over a week to return my money?? I need them to realize that lives are at stakes, physical and XXXX XXXX states are affected. The process of returning peoples funds needs to be incredibly quicker! Please return my money immediately.
Consumer complaint received 2017-03-30
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: Harley Davidson Financial Services Inc (FL)

I have been fighting with Harley Davidson Financial Services since I was convinced by a misrepresentation of costs associated to finance a vehicle with them was done with me in 2012. Simple saying, I realized that this company is squeezing me with an absurd interest rates and I am simple tied with them to pay an absurd of interest. Which almost will make me pay the amount necessary to purchase XXXX of the vehicles at the final of the term. They had been irreducible and inflexible in almost every attempt I have done to solve the issue. I offered even returning the vehicle for them but the losses at my side of doing so is simple unacceptable. I am trying to renegotiate the loan with them at a reasonable, accepted interest rate or have a offer to purchase of return the vehicle that would be reasonable and fair. I already filled two different complains with the state of Florida financial services but they simple gave me the same responses I got directly from the company. I am pretty upset and feel myself unprotected, mistaken and frustrated. But I will not give up on my rights as a customer. I do n't know if because English is not my first language the sales person took advantage on me convincing that the terms were reasonable and fair at time of purchase. I am attempting to find finally a resort to protect my rights here with this agency