davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: WELLS FARGO & COMPANY (PA)

I am reviewing my credit report for errors. It says I have a late payment on a student loan and it is incorrect. The report says 60 days later in XXXX. I dispute this information. I request that it is removed. 

Account Number - XXXX XXXX Account Name - WELLS FARGO EDUCATIO AES/WLLSFRGO Account Condition - Closed Closed Payment - Paid Paid Account Balance {$0.00} {$0.00} Balance Date - XXXX XXXX High Balance - {$5500.00} {$5500.00}
Consumer complaint received 2016-04-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

In XX/XX/XXXX I deposited my tax refund into my bank account. They did not tell me I would not have access to all my funds. They only have me {$40.00} of it and I did n't know. It was a XXXX dollar refund approximately. My car was in the shop. I used my card to pay for the repairs. It over drafted my acct {$500.00}. Even though my money was in pending status. Now they are after me for XXXX. I have never received a notice. They are threatening legal action and serving of papers. I tried to work out payment arrangments I can afford but they refuse to work with me.
Consumer complaint received 2016-05-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SQUARETWO FINANCIAL CORPORATION (OR)

I paid my debt owed to Cach LLC XX/XX/2012 and recently received a letter from the XXXX county circuit court notifying me that they were attempting to garnish my wages. I called the attorneys office that was representing Cach LLC to explain that the debt was paid over 4 years ago and had all my documentation including the original debt collection letter with the settlement offer and a copy of my bank statement and cleared check from the company that indicated the debt had been paid. The attorneys office acknowledged that they could see the payment had been made, therefore Cach LLC was fully aware that I had made the payment that fulfilled the settlement offer and was trying to recollect on a satisfied debt. When I called Cach LLC today they told me it was n't their fault and they would take no action to correct my account, although the attorneys office that the garnishment was through agreed that the balance was paid in full in 2012 and is sending me a letter that represents a XXXX balance. My complaint is that Cach LLC owns my debt and I am trying to prove I paid a debt in full 4 years ago and what is going to stop them from coming after me again in another 4 years? This company contracted the debt collector that I paid my original balance to 4 years ago and cach LLC says that they assume no responsibility for the debt not being taken off my credit. This is completely unacceptable because if I had not kept all my original documentation I would have likely had no choice but to pay this debt twice. Also the current attorney admitted that they saw documentation that my settlement amount was paid in 2012 therefore Cach LLC was fully aware that I made the payment and were trying to charge me twice, this is illegal and fraudulent and they are taking advantage of me. They sent a wage garnishment to an employer therefore defacing my character because I in fact do not owe this debt. I do not want this company to get away with charging people twice for debts paid in the past and I strongly believe I am not the first or only person that they have done this to. Please look into this company because this is infirurating for me and I can not let this get brushed under the rug. My debt was paid and this company knowingly tried to take advantage of me 4 years later.
Consumer complaint received 2017-02-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Sequence of events : 1. ) In XXXX - XXXX of XXXX, while negotiating with Fifth Third Bank our lending institution, to expand our line of credit, which was coming due in XXXX - XXXX, XXXX, they changed our loan officer from a woman, to a man XXXX, who I believe, is XXXX, ( this will become apparent as we go on ) & has caused the destruction of my business. ( He 's since been moved up the ladder. ) Following that meeting we were moved to loan workout for no apparent reason, we never missed a payment were late & broke no covenants, however soon after we were informed of a ratio covenant deficiency we believe was caused by them. In XXXX of XXXX, when credit facility ended, instead of offering extension, we were forced to sign a forbearance which said we admitted default, though there was none, but we had no choice, or declare bankruptcy, nor could we find an attorney willing to defend us. 
Several other incidents took place forced by them including, bouncing checks, causing loss of our best supplier, further eroding our supplier base. We were then forced out of the bank to to an Asset Based Lender, who could not do real estate, our mortgage loans remained with Fifth Third, with the proviso that as soon as possible we 'd get them refinanced elsewhere, which became impossible due to our losses & the hard line forced by Fifth Third. 
In early XXXX, they began to further harass, & seek to foreclose, even though no payments were missed or late, again with the default complaint as the basis. We then hired an attorney who filed a motion in court to block their attempt, which held up until, XXXX of XXXX, & we were forced to file Chapter XXXX for the entities owning the properties, to protect from foreclosure which is where we stand today, with little less than 10 days to go, they have been relentless, ruthless & I believe XXXX in their pursuit, why else? 
Summation : We have not caused the bank to lose any money, they were paid out. 
For a covenant violation, they 're entitled to ; basically confiscate our properties & end all chances of our staying alive?? 
Continue to cause additional losses to XXXX & XXXX by litigation expenses, theirs & ours?? ( upwards of ( {$100000.00} ) As of XX/XX/XXXX They can always foreclose if we stop paying, they are the first lien holders!! 
Why they want our properties, which are appraised for far more than the balances. 
XXXX of the properties, is backed by the XXXX which generally does NOT allow foreclosure if paid regularly & on time. 
SO WHY? There has to be some sinister reason for this action, there is no downside for them, why not allow us to maintain status quo?????
Consumer complaint received 2016-09-29
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Over the course of three months, I discovered I had {$14000.00} worth of fraudulent charges on my debit card. I notified Bank of America and they refuse to cover it. I had been seeing a woman during this time and it turns out that she was the one who was running up my debit card. I have filed a police report, submitted time sheets that prove that I was at work when some of these charges were made, and I even submitted a transcript of text messages between her and I where she admits that she was the one who charged up my cards. Bank of America has covered {$3800.00}, but wont cover the other {$10000.00} ( not including international fees ) and wo n't explain to my why they covered part of it but not the rest. I have made multiple phone calls ( at least 25 or more ) into the bank, and requested on every single call that I speak to an 'investigator ' ( the decision makers when it comes to fraud ) and have never once gotten a call. But when I speak to the fraud department, I have been told everything from they wont cover it because the charges were made from my IP address ( i would let her stay at my house when I went to work, I keep all of my debit and credit cards as well as all my passwords in a drawer at my desk in my home office ) to one rep telling me that because I let her stay at my house without anyone there, I was technically giving her permission to use my card-I NEVER gave permission, to one rep telling my that yeah the bank should cover it but it was n't up to him or his department. These are multiple charges that happened over the course of three months to place like XXXX. I cant even read the merchants name. Yet BofA tells me that their security team called or someone called in to justify these charges. my neighbor tells me that this woman had visitors while I was at work. But Bank of America NEVER called me to ask about any of this. They just refused to fight on my behalf even though I have submitted paperwork proving I did not authorize these charges. What I do n't understand and what they refuse to explain to me is why they covered some of the charges and not the others? They were all fraudulently charged without my permission!
Consumer complaint received 2016-09-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I have an HSA account that pays interest on the balance - and did not charge fees until the balance fell below {$4000.00}. Once the balance fell below that level the bank started charging $ XXXX monthly. The interest paid is less than that. so the account is slowly being drained by fees. When I called and asked if I could pay the fees from outside the account I was told NO.
Consumer complaint received 2017-03-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (GA)

I paid the original creditor the full amount of the debt. Somehow it was sold to another company, asset acceptance and they tried to sue. I hired a lawyer and won. The attempt was made well after the statute of limitations on unsecured debt. not to mention the debt amount was false. Now they are renewing my debt on my credit report to keep it within a statute of limitation. They will not negotiate. they will not tell me what debt they bought and for how much and give me the opportunity to pay said debt that is false. This debt is claimed to be from XX/XX/XXXX/XX/XX/XXXX
Consumer complaint received 2015-08-19
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I am a single mother of XXXX and of a military son. I had planned on buying a home, and now I ca n't because I am out {$4000.00} due to fraudulent activity. 

On XXXX XXXX, 2015 I was in the process of closing on a house. I was working with my realtor through email and phone during this process. It ended up that I wired my escrow money of {$4000.00} to a fraudulent account. The following is a detailed account of what happened. 

On XXXX XXXX, I worked with my realtor to sign the bidding paperwork for XXXX XXXX XXXX property in XXXX, VA. 

The next morning, I received a congratulatory email saying that the seller agreed to the bid and I will receive an email with the instructions for escrow and other documents. Later that morning, I did receive instructions and called my bank to proceed with the wire transfer. 

My realtor called shortly after to discuss me signing additional paperwork, then called again later in the afternoon to talk about escrow monies. I told him that I had already wired the money according to his instructions. He said that he never sent me anything today, and to stop and call my bank to stop payment. 

I did call my bank, and the bank where the money was being wired to, and neither party would freeze or hold the money to investigate!! 

My bank would n't do ANYTHING until I filled out a form, which, when I initially called to complain, no one, told me about any form, until my bank manager the following day mentioned it. I was told to make a police report, which I did. I NEVER, got ANY response from the local police to even say it was out of their jurisdiction. I feel really helpless in this situation. 

My realtor 's email was hacked! I want my money returned!!! That 's it!
Consumer complaint received 2016-05-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Adjustment Service, Inc. (CA)

On XXXX XXXX, XXXX we signed a contract with XXXX which stated that if we did not like the service we could terminate the contract. We were not able to receive any calls from our house. After seven calls and a visit to XXXX in which we explained our difficulties and were told that they were working on the problem and that it would be resolved. At this time we told XXXX that we terminating the contract. They accepted our termination and apologized. On XXXX XXXX, XXXX we received from XXXX XXXX a letter that we were in debt to them for {$1100.00}. On XXXX XXXX, XXXX we sent by certified mail a letter stating we do not owe the debt and stop the harassment. On XXXX XXXX XXXX we received a letter from Diversified Adjustment Service INC. that our account has been placed with then for collection of {$1100.00}. On XXXX XXXX, XXXX we sent a letter by certified Mail asking them to stop in their pursuit of Client Ref # XXXX Account # XXXX. On XXXX XXXX, XXXX we received a letter from Diversified Adjustment Service , Inc.a payment in full of {$1100.00}. I believe that they have broken a Consumer Protection law and request that you send them a cease and desist letter.
Consumer complaint received 2016-05-26
Product: Credit card — 
Issue: Delinquent account — 
Company: Pressler & Pressler, LLP (NJ)

The original credit card was with XXXX and went into collections in XXXX with XXXX XXXX. In XXXX, XXXX XXXX using Pressler and Pressler filed the judgement # XXXX in XXXX XXXX NJ against me on XXXX/XXXX/XXXX. This is outside the state statue of limitations that a judgement can be filed against me in the state of NJ which is 6 years. I have asked for the original paper work that was used to filed the judgement and Pressler and Pressler is refusing to provide this information. Please help me have this removed ASAP as this is keeping me from closing on my new home on XXXX/XXXX/XXXX.
Consumer complaint received 2017-02-15
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XX/XX/XXXX Our family applied for HARP modification of our 15-year HUD insured loan with Bank of America. This was because our home is underwater since purchase XX/XX/XXXX and we were increasingly unable to afford the payments. 
Our application to modify the loan terms was approved by FHA. However, the HARP modification affected XX/XX/XXXX simply converted our 15-year mortgage to a new 32-year mortgage. While this resulted in lower monthly payments, we will, in the long term, pay a lot more interest. 
As of XX/XX/XXXX, Bank of America has sold off our mortgage to XXXX. We are unsure if the FHA insurance as well as other homeowner protective clauses conveyed to the new lien holder. 
Our understanding of the HARP-process was that the original loan conditions ( XXXX, FHA insured ) and consumer protection clauses would not change with any modification or transfer. 
We respectfully request that this matter be investigated and corrective action taken to safeguard our interests as homeowners. 

OUR LOAN Information : ADDRESS : XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX Original BoA Loan No. : XXXX New XXXX Loan No. : XXXX Phone : XXXX mobile, XXXX work Email : XXXXXXXXXXXX
Consumer complaint received 2016-05-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (FL)

SLS promised me a loan modification, but before receiving a permanent modification plan, I had to enter a trial period payment plan under the Home Affordable Modification Program, I was promised that if I made the trial payments on time, the foreclosure judgment on my house would be cancelled. After making my last trial payment, on time, I received a letter from the court stating that my house will be put on sale to the highest bidder on XX/XX/2016. ( letters attached ). 
Again SLS has lied to me and my family, just when we thought he had finally reached an end to this nightmare, it looks like to me, the nightmare have just begun. please help!
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (IL)

NORDSTROM ACCOUNT XXXX OPENED DATE XX/XX/XXXX AMOUNT {$4800.00} RESPONES WAS SENT I DO NOT AGREE I WOULD LIKETO CONTINUE THIS COMPLAINT, THE SO-CALLED PROOF WAS NOT ACCURATE. 
THE PROOF THAT WAS SENT IS INACCURATE THE APPLICATION SAYS IS WAS APPROVED WITH A SOCIAL SECURITY NUMBER THAT IS NOT MINES ( XXXX ) ( EMAIL XXXX NEVER BEEN ASSOCAITED WITH ) ( ADDRESS XXXX XXXX XXXX  XXXX I NEVER LIVED THERE ) CREDIT STATEMENTS I NEVER RECEIVED IN THE PAST BECAUSE I NEVER LIVED AT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I WAS XXXX  FROM 2014-2021 IN 2022 I MOVED IN A XXXX  XXXX   FOR XXXX XXXX  VICTIMS. 
2023- CURRERT XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
AS I STATED IN MY POLICE REPORT THIS WAS AN ACT OF XXXX  FRAUD WHILE XXXX. PLEASE REMOVE!!!!!!!
Consumer complaint received 2016-09-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY (WI)

I noticed a problem with my loan in XXXX XXXX but did not think of anything until XXXX XXXX when I was unable to make changes to my account. I was told that I was not on the account and that they could not help me. I have had these loans since XXXX and did not understand how this was happening. I called and got to an executive who explained to me that my social security number, name, occupation and address were for someone else and that I nothing to do with the account. This did not happen until the end of XXXX. I was told that I needed to drive to an office and verify my identity, which happened twice. I was told that they would not report my missed payments until they figured this out and that all the late payments I had received would be taken off up to XXXX XXXX. I talked with this person until XXXX, when nothing had been figured out or fixed, I contacted XXXX lawyers who did not help me and I made a police report about identity theft per lawyer advice. I was told that they would not report to the credit bureaus about the late payments because it was there fault.The company was constantly calling my mother, co-signer, and telling her to make payments or they were going to put it to collections. I called the company back last week to see if anything had been done to fix the situation and was informed that the other name was taken off my account. I talked with another executive who told me that he would try to get my loans out of collection, reverse the late payments, fix my rating with the credit bureaus and get me a letter explaining how and why the guys name was on the account. He called me back to inform me that they could not do any of that and that no matter what, I was liable for the debt. They have totally ruined my credit and my mother 's and made me have such bad migraines that I needed medication. They have lied to my mother and I and have not been helpful in trying to fix the situation. I tried to work with them and give them time to fix the problems but I am not getting anywhere. I just want to get this problem situated and get back on track with the loan or get it completely taken care of. I do not think this company cares about what they do or how it affects people.
Consumer complaint received 2016-05-26
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Since around XXXX, I 've held a Bank of America credit card. On XXXX XXXX, XXXX. I presented it in a branch in the XXXX area. I explained that I wanted to payoff and close the account. They gave me the payoff number ( {$1200.00} ). I wrote them a check, which cleared the next day, for that amount. They said I had to actually close the account over the phone, I verified with the staff that if I completed these steps, the process would be complete, and I would n't have to do, or pay, anything else. I called their call center the next day and closed the account. I verified with the CSR who closed the account for me that I would n't have to do, or pay, anything else. 

On XXXX/XXXX/XXXX, I got an email with a new statement. I checked it to ensure I did n't have to do anything else, and that the balance was {$0.00}. It was n't. BoA had charged me {$23.00} further interest. 

This is unacceptable. I paid off the account, closed it, verified twice that the process was complete, and they still charged me interest against a closed account. If they 'd have told me when I wrote them the payoff check that it 'd have been another {$23.00}, I 'd have paid it. They did n't. 

As we agreed, I consider this account closed, and I do not owe them an additional {$23.00}. Please help me have this debt removed from my account, and from my general record.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries 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 2017-02-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank, where I have a personal and a business checking account, had a system outage around XXXX EST on XX/XX/XXXX, and I was unable to access the website. I needed to do a transfer to avoid an overdraft, so I called in. After being on hold for quite some time ( I 'm assuming due to the outage ), I was told I should call back in the morning, and they would know the system had been down. Around XXXX, I was able to access to website and I put the transfer ( {$80.00} from business to personal checking ) through. 

Sure enough, I woke up to several overdraft fees, as the transfer had n't posted. I called Chase bank, only to be told by every person I talked to that " there was no outage '' and " the system has been up and running perfectly. '' It was like the XXXX XXXX. If my wife had n't been sitting there listening the whole time both last night and this morning, I would have thought I was going crazy. 

Until I checked the websites that keep track of website outages, and sure enough, Chase Bank had massive spikes in outage reports around XXXX EST. I ca n't explain why they would deny that there was a system outage when it 's clearly documented that there was. Either way, it 's led to them collecting overdraft fees that exceed the amount of the initial deficit. I 'm guessing I 'm not the only XXXX. 

Banks should n't just be able to blatantly lie to their account holders without legal repercussions.