davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-11
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY (GA)

I am filing this complaint on behalf of my sister who at the time was on XXXX due to XXXX and XXXX. Her Social Security check ( which is her only income ) is automatically deposited into her checking account at the Wells Fargo bank in XXXX, SC. In XXXX 2015 someone at that branch came to her and offered her a credit card with no interest for 24 months if she would open a savings account and and have the bank automatically draft {$25.00} from her checking account each month. The outrageous part of this deal is that they opened the Visa card with a credit limit of {$4000.00}!!!! Now mind you, they came to her, she did not ask for a credit card. At that time her monthly Social Security check was approximately {$1100.00}. She barely has enough money to pay her rent of $ XXXX, car insurance, utilities, groceries, medicine, healthcare, gas, and misc expenses. In her XXXX this was a good thing which of course was NOT! You can image the rest of the story ... .. I make sure all of her bills are paid every month and she HAD fairly good credit, but I did not know about the credit card. Well, she has managed to charge well over the {$4000.00} credit limit and the {$50.00} /month she has been paying on it will never get it paid off. I agree that she used very poor judgement in charging this huge amount but I hold Wells Fargo for even worse judgement in issuing a credit card to someone with such limited resources! That credit card was like giving drugs to and addict or alcohol to an alcoholic. Now the bank is coming after her and asking for minimum payments of {$1000.00} or more which of course is a joke. 
Please look into this matter in light of all the underhanded things that Wells Fargo has done to their customers. Taking advantage of someone like my sister is reprehensible and Wells Fargo should assume some responsibility for this egregious act. 
The most important thing is that I do n't want her checking account to be compromised in any way because now her credit is ruined because of her debt to earning ratio and I do n't think she would not be able to open another checking account anywhere. I try to help her to live independently and it has worked so far until this dang credit card was issued to her. IT SHOULD HAVE NEVER BEEN OFFERED OR ISSUED TO HER WITH HER INCOME LEVEL! We live in different states but thanks to online banking I make sure her bills are paid. 
Please help us.
Consumer complaint received 2017-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Linebarger Goggan Blair & Sampson LLP (IL)

Currently, my husband and I are being sued by a law firm representing the City  XXXX   XXXX  Water department. We filed a Chapter  XXXX  in   XXXX   XXXX    . Our rental property was included in this bankruptcy. However, fro m   XXXX  - XXXX  un til the bank took possession of the house, we were charged for the non-meter water account. We received notification from the  City reg arding this debt. Each time we forwarded the information to our Bankruptcy attorney who assured us that he would handle it. Clearly, they did n't take care of it because we was later sue d two yea rs after our BR was  discharged. I  'm being ignored by the water department and the attorney working on behalf of the  City of   XXXX  is trying to use a sledge hammer approach to handle this account. Moreover, I 'm filing this complaint against  XXXX   XXXX  because he committed an ILLEGAL ACT under the Fair Debt Collection Practices Act ( FDCPA ) by stating twice in an email.  XXXX   XXXX , falsely claimed that because the debt was tra nsferred ( a judgement entered against us ) was final and there was nothing we could do because our time have lapsed. Therefore, we lost our de fense. Which was a total fabrication on  XXXX   XXXX  's behalf. The fact is, we still had the opportunity to file a motion to set aside the default with the  City o f  XXXX , which we did.
Consumer complaint received 2017-04-12
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

allegedIn XX/XX/XXXX I contacted Portfolio Recovery Associates ( PRA ), in regards to XXXX ( XXXX ) accounts they report to the credit reporting agencies ( CRAs ). Communications were sent certified mail and PRA accepted the three letters XX/XX/XXXX. In those communications I asked for validation ( with my signature ) that the debts belong to me, that a contract exists between myself and PRA that obligates me to them OR a contract between the creditor and PRA assigning the alleged debts to PRA. PRA responded by sending a copy of a credit card statement. I responded back on XX/XX/XXXX clarifying my request asking again for evidence that PRA has been assigned or owns this debt and that there is a contractual obligation between PRA and myself. Again a received a copy of a credit card statement. Certified letters were sent in XX/XX/XXXX and XX/XX/XXXX as well. No validation of debt bearing my signature, no evidence that I have an obligation to pay them. Upon further review of my credit files I saw that PRA was furnishing data to the CRAs that did n't even coincide with the credit card statements they had provided. Specifically, the date of first delinquencies did not match, the account was reporting as a factoring data account ( I do n't have an account with PRA ), they show terms as 1 month- again no account exists between myself and PRA XXXX the last payment amount is not provided and the last payment dates are not provided. I disputed with the CRAs asking that the inaccurate information be validated, corrected or removed. PRA again sent a copies of credit card statements and they indicated in their XXXX response that they will no longer respond to my inquiries. It seems that they are in violation of the FDCPA and the CRAs in violation of the FCRA and now no one will respond to my concerns. Then, shortly after receiving PRAs response in XXXX, I received multiple alerts from my credit monitoring service alerting me that new collections accounts had been added. PRA removed the XXXX accounts from my credit files between XX/XX/XXXX and XX/XX/XXXX and added them back within that same time frame. This was repeated again between XX/XX/XXXX and XX/XX/XXXX They have willfully and in direct violation of FDCPA and the FCRA re-aged my account. Now these accounts are falsely reported as " new '' collections and have dramatically impacted my credit score causing me significant financial & emotional burdens. I have in good faith reached out to PRA to try understand and resolve these issues and they have repeatedly chosen to ignore my specific requests, when they have responded it 's been with stall tactics that appear to be harassment, and they have retaliated to my continued communications with an unethical and illegal action of re-aging my accounts.
Consumer complaint received 2017-04-11
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (IL)

My father and I have been receiving multiple phone calls from Navient per day, even after speaking with a representative. On XXXX alone I received 3 calls. I told the first rep that I would n't be able to make a payment for two weeks and was told it would be noted in my account. Why then was I called again two more times the same day. My father ( cosigner ) just informed me that he also is receiving multiple calls per day and being threatened with credit reporting. Last week a rep stated that by making a payment, credit reporting would be rolled back 30 days. The payment was made, so why the threats? This has gone on for a couple months now, back and forth, one rep says one thing and another something totally different. Navient refused to allow a repayment plan based on my reduction in income and now the result is harassment.
Consumer complaint received 2017-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (SC)

To whom it may concern ; I write to you to explain a situation that I find myself in. 
Back in XX/XX/XXXX I was about to refinance my home loan. I bought my in XX/XX/XXXX, and not knowing what was going on they gave me a 1st, and 2nd mortgage, I payed my bills on time as I am supposed to, but since XX/XX/XXXX my second mortgage has been resold 3 times. Back In XX/XX/XXXX as I was getting ready to refinance my I was diagnosed with XXXX. And was out of work from XX/XX/XXXX to XX/XX/XXXX. I used up all of my savings to keep paying my bills, but I got behind from XX/XX/XXXX till XX/XX/XXXX as of now. I talked Ocwen about a refiner but they only offered me a modification loan. now I have payed my loan down to only XXXX and Ocwen sent me a modification statement where I was going to have to repay XXXX and have a ballon payment at the end of the loan of XXXX I told them that was insane I would basically be starting over on a loan that I have been paying on for 11 years. They told me I had to pay {$630.00} dollars by XX/XX/XXXX so I did that and I never heard back from them till I called them in XXXX XXXX, they agreed that no one had gotten back with to find out where I was with my loan. 
Then at XX/XX/XXXX I get a letter from XXXX that they have sold my 2nd mortgage to another company, that loan was down to XXXX dollars, now this new company is telling me that I have to pay XXXX dollars now for this new loan. It 's like every time I pay the finance charges on this 2nd mortgage it gets sold and I have to start over again with a new company. At this rate I would never pay this loan off, it just seems so unfair and no one else will refinance because I 'm behind, and Ocwen is telling me that they will not except any monthly payments until I pay the full XXXX to get the loan caught up. I do n't know what to do????? Where to turn, I feel like I 'm trapped in these loans with no hope of ever paying them off. Is there any help for me other than just walking away from these loans. I want to keep my house I have put a new roof on the house and in the process of replacing the old windows with new vinyl windows. And a lot of work on the out side that was covered up with putty and thick paint to hide all of the trouble spots when I bought this house and 11 years later they showing up big time. Any advice? What is my next move. My address is XXXX XXXX XXXX in XXXX , South Carolina . XXXX, my phone # is XXXX, and my email is XXXXXXXXXXXX please give some advice. Also I have been back to work since XX/XX/XXXX.
Consumer complaint received 2017-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (CA)

I had XXXX at a residence that i moved from and tried to switch it to a new residence. XXXX switched it to the wrong address. We lived at XXXX XXXX XXXX they switched it to XXXX XXXX XXXX XXXX XXXX , in 2015. We paid XXXX there as a part of our rent tot he owner. I never received a phone call, an email or any communications from XXXX that i was being double billed. I recently was alerted by the credit bureaus that a collection account was added to my record from I.C. sytems. I researched and informed them and XXXX that i was not responsible for that bill as i never lived at that address and i never received those services. They are still reporting and trying to collect on that bill.
Consumer complaint received 2018-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Transunion is reporting an account on my credit report on behalf of XXXX XXXX XXXX. The account which did not arise out of a written contract or agreement is now being showed to be owned by me. XXXX is listed a XXXX XXXX account.
Consumer complaint received 2017-04-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Due to a nasty marriage annulment, I was forced to pay vast sums ( later reduced ) to ex for support and her attorneys. That situation caused me to fall behind on my mortgage and necessitated filing chapter XXXX bankruptcy. The trustee for the bankruptcy ordered me to pay the minimum amount on the " pic a pay '' mortgage resulting in negative amortization. I made all of the court ordered payments to the trustee for arrears ( my only required repay was to Wells Fargo who owned the mortgage as a result of buying the bank that had financed the house ) and the regular monthly mortgage payment to Wells Fargo. During the sixty month term of the chapter XXXX, Wells Fargo would not allow online payment or automatic deduction. I was forced to call every month to make the mortgage payment for a fifteen to thirty minute call including hold time, monthly redundant questions regarding contact info, etc.. Upon completing and exiting chapter XXXX, it took several months for Wells Fargo to rectify their books and they still required the monthly phone payment. When i called to make the XX/XX/XXXX payment, I was informed that I was six payments in arrears on the mortgage and they would not accept my payment. I called again and spent a great amount of time with a representative that said I was nine payments behind and foreclosure proceedings had begun on my house. I asked for an accounting of what payments were missed and was informed that the Wells Fargo rep did not have access to that info and it would take thirty days to get it. They had already filed a notice of default and I began to be deluged with calls, letters and emails from lawyers, people wanting to buy my home and services to halt foreclosure. I went to both credit unions that I made the phone call payments from and received printouts of the payments to Wells Fargo in less than an hour ( including travel and wait times ). So, there is no reason Wells Fargo can not click the mouse and get an accounting to me in less than thirty days. Perhaps, they are seeking revenge for the junior lien ( second mortgage ) being stripped upon my chapter XXXX exit. If I am behind in any payments, I have never been notified. If I am behind, it would be due to them not processing the phone payment not me being remiss in calling and wasting valuable time with their reps monthly. Under the chapter XXXX that alleviated the spouse attorney payment and support reduction I have ALWAYS been able to make the payments. If I am behind, I have the means to bring the loan current. Wells Fargo has n't provided any accounting and is intent and focused on repossessing/stealing the home that I have paid for, lived in and bled for since XX/XX/XXXX. Wells Fargo is on record and convicted of many illegal, immoral acts. This is their pattern. They are attempting to steal my family 's home. They are criminals. They wo n't give me an accounting for thirty days as they proceed with foreclosure.
Consumer complaint received 2017-04-11
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP (TX)

Back on XXXX, 2016, I made a payment to American Honda Finance Corporation online. This was very customary for me as it was a payday and I made sure to be proactive in my payments. After a few days, I noticed the payment was still pending online. I followed up with a phone call to Honda so that I could get clarification on why the payment was still pending. During the call, I was assured that the payment was received and the " pending '' status was just a system glitch. I was very wary of this because it had almost happened before with a previous payment that almost caused a late payment. I even contacted my bank about the payment and was notified the payment was being taken out. However, it was still listed on the Honda website as a pending payment. On XX/XX/XXXX, the payment was " officially '' cleared out of my account according to Honda. I do n't know what issue came about and what other payments were made that caused there to be a deficiency in my account but the payment was reversed. This is after I was assured the payment was processed already. After the payment was reversed, of course, there were additional bank fees and fees with Honda that caused me to be unable to make another payment within a few days. This caused my account to be reported late, and in turn seriously affected my credit score. I attempted several times to resolve this issue with Honda, as I had NEVER made a late payment before this incident. They refused to listen to my explanation of the situation, and while doing so stated that their reps never told me the payment was processed. I even went so far as to write a goodwill letter requesting the late payment to be deleted, and they did n't even acknowledge the letter I provided.
Consumer complaint received 2017-04-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC. (FL)

Caine & Weiner, a collections law firm, has reported and opened a collections account on my personal credit report. I disputed with them many times but they reject to delete it from my account. What they 're doing is illegal. I have never asked or received a personal loan from their client, XXXX. That loan was received by a small business that is an LLC company where I have 5 % shares and it was a small business loan without collateral or personal guarantee. The company that got the loan shut down their operations and now, this company is coming after me as I 'm the only person in the US. I 've never signed a contract for any loan. This company ca n't post this under my personal account as there is no proof that I signed for that small business loan and it was a small business loan, not personal. I never received any kind of personal loan from their client. This company is using my social security number for wrong purposes and they have to delete this record from my file immediately. It is against the law and they ruined my credit.
Consumer complaint received 2017-04-13
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (FL)

I have been an American Express customer for more than 30 years. During that time I accumulated nearly XXXX Membership Rewards points. I have been working outside the United States for the past year and did not have an opportunity to use my American Express platinum card. When I recently checked my American Express account online, I discovered that my account had been cancelled " due to inactivity '' and ALL my Membership Rewards points had been rescinded. I called and wrote to American Express on several different occasions in the hopes of reinstating my account and recovering my Membership Rewards points, but all my efforts have been unsuccessful.
Consumer complaint received 2017-04-11
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

My auto lease is through Wells Fargo Dealership Services. Wells Fargo has a different department for auto insurance and they have added auto insurance when I did n't have insurance. Shortly after I sent a copy of my full insurance to justify that I do indeed have insurance. The company has decided to add an extra {$40.00} throughout the remainder of my contract. This addition took my car notes from {$250.00} to {$280.00}. I have asked if I can get a statement regarding this. They then stated that this added amount will not appear on my statement and/or if they send anything it will not appear as well.These facts have raised my eyebrows so I 'm reaching out for assistance with this matter. 

Thanks in advance, XXXX
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Ability Recovery Services, LLC (TX)

This is my 3rd attempt with filing against this company for blatantly placing an item on my report when they did not in fact send me a dunning letter prior to placing this erroneous, inaccurate item on my report. By law I was supposed to receive a letter from them and then I would have had 30 days to dispute the validity of the account. In their previous response they indicated that they sent me a letter. Why then did they not attach the letter to their response. They then went on to state that they mailed a letter on XX/XX/XXXX. As of today, I have not received any correspondence from them. I am escalating my complaint to the FTC as well as the Attorney General and BBB. This company has and continues to violate my consumer rights. I sent this company a letter in XX/XX/XXXX ( see attached ), certified with return receipt requesting the following ( all of which validates a debt in the state of Texas ) : Proof that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness Copies of all documents sent to me regarding my account ; Copies of any papers that show I agreed to pay what you say I owe bearing my original signature ; Prove the Statute of Limitations has not expired on this account ; To date, this company has not responded. How too then by them responding and contradicting themselves by saying they have sent me debt validation is this item reporting not in violation of my rights and not in violation of the Fair Debt Collections Practices Act ( FDCP ) of which they are regulated as a third party collection agency?