davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-09-07
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (NC)

I had a Wellsfargo representative set up automatic payment on my checking account for my Wellsfargo automobile loan. I was told that the automatic payment was going to start XXXX/XXXX/16. I went up to the Wellsfargo on XXXX on XXXX/XXXX/16 withdrew {$200.00} to pay my automobile loan and was told by the teller that I did not have to pay because the money was scheduled to come out automatically. I then get a phone call from Wellsfargo beginning of XXXX that my payment was past due. So on XXXX/XXXX/16 I went up to the bank and withdrew {$240.00} and paid my past due balance and at the time I was told by the teller they made an error and the automatic will definitely become effective and the money would be taken out on XXXX/XXXX/16. I then get another call from Wellsfargo in XXXX that my account is now TWO months past due. So I went up to the Wellsfaro on XXXX on XXXX/XXXX/16 again to express my frustration and I then paid a total of {$530.00} to bring my account up to balance. I spoke to a manager who expressed to me he would get to the bottom of it. Then on XXXX/XXXX/16 they came to repo my car and come to find out the bank teller applied my {$530.00} to the wrong account ( my personal Wellsfargo loan instead of my automobile loan ). So once they figured out the mistake they made they did not take my car. Then on XXXX/XXXX/16 {$200.00} was a automatic payment taken out and again posted to the wrong account. My Wellsfargo account for the month of XXXX, XXXX and I believe XXXX are listed as delinquent as per the credit union. So I have been trying to get Wellsfargo to contact the Credit Bureau because it was their fault my accounts became delinquent and I have been going back and fourth with them since XXXX and no one has yet to rectify this situation for me. I was finally able to reach someone higher up by the name of XXXX XXXX ( not sure of the spelling of his last name ) at dealer services in XXXX who initially seemed like he was going to help us but after calling his phone ( XXXX ) for a week straight and leaving a voicemail every day with no response I feel like I am being ignored again! All I want is the delinquency to be taken off my account so I can move forward and begin my home buying process. This is extremely unfair that I am being penalized for something that was Wellsfargo fault and the fact that no one is trying to help me is unacceptable! Someone at Wellsfargo needs to be held accountable for what they did to my account.
Consumer complaint received 2017-03-23
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Specialized Loan Servicing Holdings LLC ()

I received a noticed from SLS who is a debt collector for XXXX, XXXX was the Original Creditor back in XX/XX/XXXX stating that my required loan payment will convert from interest only to principal plus interest as you enter the repayment period of your loan. This came as a shock to me because I was advised by several sources to refinance, and convert the loan to a FIXED rate which I did at the end of the first year before the bank or Lien holder starts to Rachet the loan if that 's the correct term. I believed that the loan was close to being paid off based on the number of years I 'd been making payments. I was also told that XXXX would not approve the Original loan unless I used my home as collateral. I move to the XXXX XX/XX/XXXX to start my early retirement. I contacted SLS by phone after receiving their letter of intent to try and make since of what was going on and learned that SLS documents stated that I was still locked into a ARM. That is where the problem lies. I 'm a US XXXX veteran and still hold my original Home Loan Guarantee from the Veterans Administration that I 've attempted to use since leaving XXXX XXXX. Now that I 'm retired on a fixed income I 'd like to use it to convert my primary mortgage to a VA loan. After the first year I was able to convert the HELOC from a ARM to a FIXED but after that SLS would not respond to the other bank where I applied. Since moving to the XXXX I 've misplaced the documents showing that I refinanced to a FIXED rate after one year. Communication with SLS has been almost impossible because they have refused to send my mail here. They refused to post important information on their Web site so that I can respond. There are times when it 's taken over 2 months to get my mail transferred from my residence in XXXX, XXXX to my residence here.
Consumer complaint received 2016-11-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo has done this so many times, I ca n't believe it is legal, I told them, i know it is illegal on personal accounts, but on business accounts, there seems to be no regulations, they even tell me that i can not make it so it does not OD when using my Debit card. XXXX Attached is just one example of how they move things, the XXXX charge was made in XXXX az, the XXXX charges, small, were made in XXXX AZ, a XXXX drive, there was at least 6 hrs difference in the small transactions, I 'm not sure if they did a XXXX fee on their XXXX fee for using a non WF ATM ... ... ... ... They need another investigation as this is just crazy, they also, have for the last couple months, holding my checks up to 7 days, and sense i got past the 30 day mark, they have never held a check, unless there was a real reason, as really large or from XXXX, now they give all kinds of reasons as to why they hold them, in person they just say that its because it is from a different bank, well for the past 2 years that did not make a difference, then online, it will give different reasons, the last one was held, and they put that the endorsement was different, even though it is the same as it has been for 2 years, the one before that they held it saying that the deposits have been different ... ... WHAT!!!
Consumer complaint received 2016-11-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Data Corporation (NC)

In XX/XX/2015, this company offered me a new credit machine for my store. When they came to install the new machine, they could never get it to work. Eventually, I became tired of dealing with the issue, and I asked them to come pick it up. Even though the equipment never worked, they refused to pick it up and continued to bill me for a service that I never used. I just do n't know how they can continue to bill me for a machine and service that never was operational. I have repeatedly asked First Data to come pick up their machine, or give me instructions on how I can send it back to them. They never do. They just keep sending me bills, and reporting this account as a past-due account on my credit report. That is not right.
Consumer complaint received 2016-07-02
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

I applied for HELOC loan with Wellsfargo Mortgage. Submitted all the documents necessary and proof of savings to cover upto 6 months of expenses in case of change in financial situation. We have had no other payments except for mortgage. Based on affordability calculators online, I qualified for the loan. 

WellsFargo rejected my application with reason " We do not offer the type of credit or the terms you requested. Amounts owed are too high relative to your income ''. 

Next week I applied for the same loan with my local XXXX XXXX XXXX and within 21 days the loan was approved. 

I feel WellsFargo is discriminating. I do n't understand how could WellsFargo reject my application while XXXX XXXX XXXX approve the loan.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AZ)

I applied for the total discharge due to XXXX. It got approved. But NAVIENT has marked my credit report 90 days late and on the XX/XX/XXXX it will be marked 120 days. My discharge was approved in XX/XX/XXXX. Thanks to NAVIENT. My credit report has DROPPED XXXX POINTS. Plus they are still charging me interest. RIGHT OWN THEY HAVE CHARGED OVER XXXX INTEREST. I have paperwork and emails where my loan was dismissed. This is affecting me buying a house with them continuing marking me late. Please do something. Thank you
Consumer complaint received 2017-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (CA)

My loan was sold to the Roundpoint Mortgage Servicing Corporation last year. I received the letter from the city stating that I did n't pay the taxes for the last year and and I am charged {$200.00} penalty fee. My account is set up as an impound account ( have escrow and money is deducted automatically each month ). The Roundpoint told me that they payed the taxes in XX/XX/XXXX they will research this and will get back to me by XX/XX/XXXX. Second issue is my mortgage increased in the amount of {$210.00}. 
The Roundpint told me that my home value went up. Looking at the public records the last time property value changed was in XX/XX/2011 when I purchased my home. I asked them to send me a detailed report so I can understand how did they get to the amount of {$210.00} increase and the proof of tax payment. They told me that this conversation is recorded and they can not send me anything in writing. I feel that this amount of {$210.00} is wrong and they are lying to me about taxes being paid. The customer service representative XXXX did not let me to talk to the supervisor.
Consumer complaint received 2016-11-02
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (WA)

My loan was modified back in XXXX. However shortly after the modification and for over 2 years after it happened, they reported me late XXXX payments. I proved that I had n't missed the payments. However, they did n't correct the situation. Back in XXXX XXXX, I finally got someone that was able to help and clear the past dues and promised me to clear my credit history with the credit bureaus. 
My credit is still wrong after 8 months and now as of the load statement of XXXX XXXX, I now have another past due balance for {$1800.00}. 
I asked Bayview to send me what they sent the credit bureaus to correct my credit and also to receive a letter where they tell me when they will be giving me an answer and hopefully a correction for the fees that are showing on my statement. 
They sent me one saying that they will be giving me an answer by XXXX XXXX. I have not received anything else. So I called today and spoke to XXXX, who is giving me the same answer as XXXX did a month ago, " let me look into it ''. 
XXXX said he would call me in 2 days to give me more information, which is again what XXXX said. He also said, the fees are fees I owe for attorney and appraisal fees, and he doubt I was going to get the waived and that they were just in a different place on the account and that is why I had n't seen them. I asked him to provide proof that they disclosed these fees as of a truth of lending disclosure or anything in writing that they provided to disclosed those fees during the modification. I also mentioned, they told me that all fees were rolled into the load. basically, all fees they were reporting me owning before the modification, they put them as part of the loan and now after over 3 years they are charging them as past due. 

please Help, I am so XXXX out about this, and with the inability of having my credit fixed for the last 3 years, I am still unable to do anything with any other creditor.
Consumer complaint received 2016-11-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NV)

I fell behind on my mortgage serviced by Wells Fargo Home Mortgage after being forced out of my home by an XXXX. I moved back into my home last year only to be very surprised my partner had not paid the mortgage. In order to correct this issue, I hired an attorney to help me apply for a loan modification. I was approved by Wells Fargo Home Mortgage in XXXX 2016 for a trial and new payment of {$520.00}. I was then asked by Wells Fargo Home Mortgage to supply information to clear my title of " recorded liens '' on or about XXXX 2016. Wells Fargo Home Mortgage provided my attorney with a preliminary title report from XXXX XXXX XXXX XXXX. My attorney has a very experienced staff that recognized the liens that Wells Fargo Home Mortgage were asking to be cleared from the title were NOT recorded and were only showing up on the preliminary title report as a possible lien. My attorney obtained lien releases directly from the XXXX County Office of the District Attorney showing the liens on my preliminary title report were in fact released and/or not the correct individual. My attorney forwarded these " lien releases '' to Wells Fargo Home Mortgage and Wells Fargo Home Mortgage has refused to accept them. My attorney then contacted XXXX XXXX XXXX to find out why the lien releases were not accepted and XXXX XXXX XXXX said Wells Fargo Home Mortgage has NEVER forwarded those lien release letters to them. Per my attorney who spoke with XXXX XXXX at XXXX XXXX XXXX, XXXX says the liens in question are NOT recorded and might be able to be released with just a lien release letter. However, Wells Fargo Home Mortgage has to be the one to forward the letters ( Attached ) to XXXX XXXX XXXX XXXX in order for them to consider removing the liens from the report. My attorney explained to me that their office has been trying to explain the situation to WFHM now for two months and we believe the problem comes from WFHM inability to accept anything except what was originally " Wrongfully '' requested by their underwriting. Which is a " recorded lien release ''. This is all part of Wells Fargo 's FRAUD they commit when dealing with people. They manipulate, block and evade correcting a situation that they can solely to impede and prevent people from getting assistance. I am told this is illegal and fraudulent to evade assisting a home owner who has requested assistance. Wells Fargo 's blatant disregard to even look at the situation is evidence of their MASSIVE FRAUD they keep doing to their account holders.
Consumer complaint received 2016-04-12
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Alliant Capital Management LLC (CA)

On XXXX/XXXX/2016 at XXXX, a gentleman by the name of XXXX XXXX called and was asking if I knew a person by the name of XXXX I told him that she was my sister and that I can take a message for her. He was trying to smooth me into a personal conversation and kept trying to persuade me that he is the " nicest guy I will ever talk to. '' He also gave me private information about my sister, which includes her full date of birth, age ... etc I told him that was a XXXX violation and that I did not appreciate him sharing her personal information with me. He just kept talking over me and did not let me get a word in. 

He also told me that he is from the pre-legal department from ACM ( Alliant Capital Management ) and was trying to resolve a serious problem in which will turn legal if XXXX does not contact him as soon as possible. He just kept talking over me, and did not let me speak. He just kept threatening about how he works for the legal department and if XXXX did not contact him, he will persuade a legal case against XXXX 
After arguing with him and trying to get all of his information, I informed him not to contact me any more and hung up the phone. 

I do not appreciate his phone tactics, trying to persuade and threatening me about taking legal against XXXX 
I am not the owner of the debt and personal information about XXXX should have not been shared by XXXX XXXX XXXX XXXX 

His name is XXXX XXXX XXXX # : XXXX Other # : XXXX Company : Alliant Capital Management
Consumer complaint received 2016-11-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: J J Marshall & Associates, Inc (MI)

I received an alert in XX/XX/XXXX that negative information was added to my credit report. I saw that it was information reported to J and J for an old bill. I contacted the company to inform them that the debt was included in my bankruptcy in XXXX and XXXX. I emailed and faxed over paperwork showing this and was told that someone would get back with me, to date, no one has and the information has been added multiple times. Each time that I contact the business they tell me that someone will call me back and they never do.
Consumer complaint received 2017-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Receivable Management Services LLC (OH)

We obtained oven repairs from XXXX. The repairman quoted us a price that included a 20 % discount on the service that resulted from the purchase of a service contract. We paid for the parts on the original visit. When the parts came in a service man came out and finished the install. At that time the service man was unable to figure out why the discount was n't applying and took the check for the balance on the account based on our original receipt. I contacted XXXX many times over the next several months and in XX/XX/XXXX spoke with a representative that understood that the twenty percent discount had not been applied. He informed me that he would send over a letter to the collection department so that they would n't continue to bill us. I continued to receive bills and have mailed back all the receipts and information. XXXX home service had no contact information to resolve the billing dispute other than a mailing address to which i sent all information regarding the matter without getting verification of resolution.
Consumer complaint received 2017-03-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (HI)

Originally took out a private student loan in XX/XX/XXXX/XX/XX/XXXX in order to be able to finish college for about $ XXXX. It 's now 10 years later and I still owe over $ XXXX. I 've never made a single late payment, always pay above the minimum payment needed. It 's supposed to be a XXXXmonth loan and there 's no way it will be paid off in 14.5 years! I believe AES has been committing fraud and trapped a young naive XXXX year old student eager to go to college. Each month it appears they never apply the extra amount to principle balance, but instead use it towards future payments meaning that I 'm always paying interest on a higher principle balance than if they had applied the excess payments to principle balance. Each month the amount applied to principle balance and interest balance is HUGELY different each and every single month.
Consumer complaint received 2016-09-05
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (PA)

I made a payment to my Ally XXXX Credit card on XXXX XXXX of {$470.00} from my Ally Checking to make a ZERO Balance. With no authorization, Ally XXXX XXXX made a withdrawal from my checking account of {$470.00} leaving me a credit balance of the same. I have spoke to them on XXXX XXXX and today, but they can not inform me when they can return the XXXX payment to me checking account. I have closed the account with tne.
Consumer complaint received 2016-06-21
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Northeast Recovery Solutions, LLC (IA)

This company has called many of my family members, whom I do not live with, or have never lived with and told them there was a complaint against me, gave them a number and a reference number. I received a message today from them but did not say anything about a complaint or reference number. When I called the number, I could not make out the name of the company and they said their offices were closed. They said if you do n't want your phone number called, to read it clearly. 

They contacted my XXXX year old father, and my XXXX year old uncle. I am XXXX years old and do not live with them.
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

took out a loan from XXXX XXXX roughly two years ago XX/XX/XXXX. This account was created to pay for an XXXX and initiated within the doctor 's office. My understanding was that the account was zero interest for a period of 24 months, at which time the account would begin to bear interest at prevailing credit card rates.I made monthly payments on this account up to and including XX/XX/XXXX. My understanding until very recently was that my account was in good standing and payment status was current. However, only after recently pulling my credit report I learned that I had fallen into default status ( 90+ days past due ). As a result, my credit score has been significantly impacted ( decrease from XXXX in XXXX XXXX to XXXX currently ). Additionally, my account balance has increased from {$5400.00} in XXXX XXXX to {$9800.00} as of this week ( as a result of penalties and retroactive application of 30 % interest ). I never received any correspondence of any kind from XXXX notifying me of a change in account status, interest rate, or required monthly payment increase. Only after calling XXXX proactively did I learn the status of my account ( and only at this point did XXXX begin to contact me in an attempt to collect / inform me of the account status - something I wish they had done six months ago when it went into non-current status ). I had the ability to pay this account in full in XX/XX/XXXX. I also should have been notified of the impending change in interest rate and been given the grace period typically allowed for accounts changing status ( and about to incur retroactive application of interest ). I have spoken with XXXX 's collections/settlement departments in an attempt to settle this account in full XXXX XXXX XXXX principal balance plus a reasonable amount of interest ). Despite multiple calls, I have been unable to find anyone to work with me on settling this as soon as possible. The lack of notification resulted in penalties and retroactive interest which ballooned into an 80 % increase of the account balance over six months. This, in my view, is unreasonable, deceptive and predatory. I have now paid the account in full under protest ( in order to stop further penalties and interest from accruing and further deterioration of my credit score ).