davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CT)

Multiple Wells Fargo XXXX cardholders I personally know have been attacked with fraud. Wells Fargo is failing to acknowledge that it is a widespread issue and has no guarantees as to future security.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AZ)

Theres an article online by XXXX about a XXXX XXXX dollar settlement with Wells Fargo. I was a Wells Fargo customer from XXXX and only had a checking and savings account with them. When my funds were low and still in positive amount, Wells Fargo would put charges on hold until I actually did over draft and put the highest amount first to over draft me. Instead of paying XXXX fee of {$35.00}, I would pay multiple fees due to the way they arranged them. I know there was a settlement where they got sued for over XXXX XXXX and I never received anything from them. I called Wells Fargo XXXX and I asked them how can I get paid based on the XXXX article and they said they have no idea. Per XXXX it said to contact CFPB to see if I qualify.
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In 2007 I was struggling financially and I filed for chapter XXXX protection ; however, none of the filings was accepted by the Bankruptcy Court they all were dismissed. This complaint is to have all XXXX credit reporting agencies remove the information from my credit file. The Chapter XXXX Bankruptcy 's I filled in 2007 was NOT confirmed. I was told by XXXX that they can keep it on my credit report for 10 years, however, I live in California and the Federal Law is 7 years of filling. Also, the plan was never executed and was dismissed/discharged in 2007 as well. I want all XXXX credit report agencies to remove all negative information relating to the Chapter XXXX 's I filed in XXXX, XXXX, XXXX, and XXXX of 2007. I filed them and the bankruptcy court did not process any of them ; they all were dismissed out of court.
Consumer complaint received 2016-11-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MRS BPO, LLC (FL)

XXXX XXXX XXXX is charging {$330.00} and it reflects as derogatory in my credit history in 2014. I did n't ever sign or even negotiate a contact with XXXX. I was studying abroad at the time.
Consumer complaint received 2015-10-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am having another issue with TransUnion keeping my files accurate. Now they have my currect address incorrectly reported as my previous address. What can be done to make sure that my profile information stay updated. If they can not keep consumers information correct then this company needs to be changed and stop handling information for consumers. 
My Current Address is XXXX XXXX XXXX, XXXX, LA XXXX and not XXXX XXXX XXXX, XXXX, LA XXXX. 
I have lived in XXXX, LA since 2012.
Consumer complaint received 2015-10-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (RI)

My car was repossessed on XXXX XXXX, 2015 .I had made a payment via phone and the repossession company would not allow me to contact Infiniti to try to clarify this but took the car. Following discussion with Infiniti reinstatement department, I made an additional payment as they required on XXXX XXXX, 2015 which reinstated the loan. Because the car loan was in my husbands name, they stated that the car could only be released to him. XXXX In following future conversations they informed me that my husband could send them power of attorney. I downloaded a legal XXXX form and my husband faxed it .It had to be refaxed several times until it met the criteria for their legal dept. They would not advise us of the legal language they required, they would not allow us to speak to this legal dept. Each time there was 2-7 days between their receipt of the fax and response from the legal department. 
In the mean time without any notification to my husband, even though the loan had been reinstated, the car was moved out of state to auction. When I was finally able to determine that the legal dept had given permission for me to retrieve the car, I contacted XXXX XXXX XXXX and they said my car had been sent to auction. Finding out where the car was took another process, reaching them another process, XXXX XXXX informed me that my plate was no longer on the car and I could not pick up the car without a plate. No one knew where my plate was. I called Infiniti, they take no responsibility. Even though my loan had been reinstated, no one had put some " reference number " in the computer. At no time did anyone ask me for any reference number- my payment which was made via money gram was clearly recorded in their system. Their process is very malicious. I thought my husband had made a payment initially until I received a singular call from Infiniti XXXX on XXXX XXXX, 2015 and I made a payment on XXXX XXXX XXXX, 2015. Infiniti is not required to notify you of their intent to repossess, so you can rectify the problem. Their reinstatement department is very poor, they do not inform or explain or do anything to assist the customer. I explained to them several times that I have XXXX and XXXX so I am very ill.
Consumer complaint received 2015-10-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Firstsource Business Process Services, LLC (IL)

Phone voice mail call received on XXXX XXXX from a " XXXX '' said he works for a company " First Source Advantage, LLC '' in regard to a unpaid debt. He left a callback number XXXX and a case number XXXX. 

I am a federal employee and have been involved in XXXX data breeches over my carrier. My SS number was used in a fraudulent tax return in 2013. 

I researched this company and it has been associated with fraud. Contacted FBI and they referred me to you.
Consumer complaint received 2015-05-13
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc (VA)

Last XXXX, Paypal placed a limitation on my account and blocked me from access for my balance. I was told that Paypal may hold my balance for up to 180 days. 180 days have come and passed, Paypal still blocked my access to my balance.
Consumer complaint received 2015-05-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (IN)

I was told I could settle for {$360.00}, or had the option of paying {$400.00} and they would remove the collection from my credit report like it had never happened. The collection was reported as settled for less than full amount and when I called to get it corrected I was told they had no record of the extra {$40.00}. When I asked to speak to a supervisor, I was hung up on.
Consumer complaint received 2015-06-18
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: SYNCHRONY FINANCIAL (FL)

I signed up on line for a XXXX XXXX credit card. When I submitted the application, they instead created a XXXX XXXX XXXX which is not what I signed up for. I know about this scam because I know people who bought stuff on XXXX and without their knowledge the purchases were defaulting to XXXX instead of their bank accounts, and at ridiculous APRs. I called right away to tell them I do not want a XXXX and it has been over 2 hours talking to people at XXXX. The minute I tell them I want to cancel a XXXX they transfer me to an indefinete hold queue. This type of sleazy bait and switch I would expect from used car sales, not a large company like XXXX.
Consumer complaint received 2015-10-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filling this complaint because XXXX has ignored my request to provided 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 matter as soon as possible. Thank you
Consumer complaint received 2015-10-25
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (TX)

I too have had rushcard, my deposit came late. Although it told me it was ok to use, it got declined every other transaction, I have no access to my online account, it says I have to call. I called several times, and a few times it hung up, other times I waited on hold the longest I waited was almost 3 hours. I had a transaction I needed to dispute and can not because I ca n't get through. This company is unprofessional, and does not keep the best interest of the customers in mind ... .I have lost having to deal with this inconvenience.
Consumer complaint received 2015-11-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Complaint on Wells Fargo BankI caution anyone attempting using Wells Fargo Bank for a home loan or applying for modification! After a family hardship and falling behind on my payments, I started seeking a loan modification from Wells Fargo Bank, starting over two years ago. In this past year I was denied XXXX complete times, getting XXXX complete different reasons after each appeal. My first denial I was told by Wells Fargo I owned a company and made too much money. ( I have never owned a company in my life. ) The second denial was because I did n't make enough money. ( I know by the guidelines I do. ) Then I got denied once again because I have equity in the home. While speaking with Wells Fargo employee two days ago, they came up with another reason stating, " It is a interest bearing loan '' and " The loan is too far behind for modification ''. I have also been told by Wells Fargo employees such statements as " If your modification comes across my desk again, I 'm not dealing with it ''. Another statement by a Wells Fargo employee was, " That its important that I make my house payments or I would not be in this position ''. I feel these statements were very inappropriate! I feel that if Wells Fargo would of been legitimate this modification could of been done a year ago. Now I have a sell date on my home on XXXX/XXXX/2015. I am meeting with lawyers on XXXX/XXXX/2015 to see where I can take this. I 'm not asking to live anywhere for free. I just want to get back to making my payments and keeping my family in my home.
Consumer complaint received 2015-05-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (TX)

Today, XXXX XXXX, 2015, I received a copy of my XXXX XXXX XXXX. Listed, is DIVERSIFIED CONSULTANTS on behalf of XXXX.I HAVE NEVER RECEIVED NOTICE OF RIGHT TO DISPUTE BY DIVERSIFIED CONSULTANTS. I am DISPUTING, via this writing DIVERSIFIED CONSULTANTS improper and inaccurate reporting to my consumer file. I am ALSO DISPUTING, THE {$99.00} reported. I paid XXXX every month on time for year 's. I want this removed " immediately '' from my consumer credit file. It is illegal reporting by both parties. My personal information is being provided for the CFPB use " only '' ( solely, for this complaint ). It is NOT to be used by XXXX or Diversified Consultants.
Consumer complaint received 2015-06-18
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Mercedes Benz Financial Services (FL)

During my duties as a Vice President of XXXX, XXXX, a construction company on XXXX XXXX, XXXX of my duties was to perform company vehicles purchase. I quit to my duties on XXXX, XXXX on XXXX, 2014 and leave to work for another company on the state of Florida. In many occasions I requested to Mercedes Benz Financial to release my name from that account due to those purchase were perform as a company representation. Even the name on the account is the corporation but they keep saying that I will be responsible even if I transfer the account to another person on the corporation or that I can sell the vehicles to the corporation, that is something that does n't make sense because the vehicles are already at the corporation name. 
I am requesting to Mercedes Benz Financial to remove any negative information on my credit report.
Consumer complaint received 2015-06-18
Product: Consumer Loan — Title loan
Issue: Can't stop charges to bank account — 
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

i missed XXXX payment and made arrenagements to pay in person as this company has payments coming from out my account, however they charged my account anyway and i received several overdraft fees and even when dealing with the bank they were not able to correct the issue and hug up on us. now they contantly harras me at work home via email and text message i have asked to not be called at work which i never gave the number and my company does not allow personal calls they do not respect my wishes and contact both me and my manager
Consumer complaint received 2015-11-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Fein, Such, Kahn & Shepard, P.C. (NJ)

Signed up for a class at the XXXX XXXX XXXX at XXXX XXXX. Paid {$1400.00} up front for a class I believe had been {$2000.00}, dropped the class after attending just XXXX classes. I had been told to notify the XXXX office, which I did but never received any paperwork to demonstrate my dropping of the class. This is from the summer of XXXX. 

There had been an alleged certified mail sent to me, XXXX XXXX, never received it. It shows I signed for it, the same day it had been sent out. That is not possible and it is not my signature. 
I have since had the law firm of Fein, Such , Kahn & Shepard put a levy on my checking account. I fear next they 'll attempt to repossess my car, the only thing I do have and would n't be able to get to work. 
I had spent the past 3 years on general assistance due to helping my mother who had been diagnosed with XXXX XXXX. Lost her in XXXX of XXXX and then lost my father, XXXX of XXXX. I now live in a home that my father did a reverse mortgage on, I have no heat or hot water as I could n't afford to pay the bills he left behind at the time of his death. 
I started working again a few months ago at the XXXX, this position required XXXX. Having gone through XXXX background check, XXXX, I have now been informed XXXX. 
I received an official letter from them this week, XXXX/XXXX/XXXX. 
I am not sure whether my compromised information is a result of what is happening and what this unscrupuous law firm is attempting to do to me. Pay a {$6000.00} debt, an alleged debt that when contacting XXXX XXXX, has no knowledge of. 
They can see I paid {$1400.00} of the class and nothing of me owing them any money whatsoever. 
The above mentioned law firm states they 're representing XXXX XXXX, as said, the school is not aware of any debt owed to them from XXXX or anytime after that. 
This is who I had spoke with at XXXX XXXX XXXX XXXX , Program Coordinator for XXXX. 
I can not afford to pay this alleged debt, I do not owe this allged debt, this law firm to using the law to collect what 's called zombie debt and using any means to collect that alleged debt for their own financial gain. 
I also suffer from XXXX XXXX XXXX and this added stress has been causing me issues with the disease. I am attempting to get back up on my feet, work, move to an apartment, pay legitimate debts I owe and can not endure what this law firm is attempting to do. 
When researching that law firm, first XXXX results are of ripoff report, XXXX complaints with their debt collecting tactics, being sued by another state 's court for robosigning mortgages and makes me wonder how they 're still able to operate? 
I can provide all required documentation, transcripts of my discussions with XXXX XXXX, XXXX official letter that my XXXX being on general assistance.
Consumer complaint received 2015-10-15
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Direct Capital (PA)

A third party debt collector called my personal cell, my spouse, and then my employer. They disclosed false information to one of my coworkers that I was scheduled to be subpoenaed to court and demanded that he transfer them to me. They also told my spouse that they were being uncooperative because she would n't give me the message without knowing what the complaint was. 

XXXX with Direct Capitalgave the number of XXXX ext XXXXcalled from XXXXalso from XXXX
Consumer complaint received 2015-10-24
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (WI)

Starting XXXX, XXXX 2015 Rushcard stated that they are updating their systems and it would take XXXX hours. Days pasted and none of my funds was available. I call and they would hang up or keep me on hold for more than XXXX hours. It is now XXXX XXXX, 2015 and as of today I still can not access my paycheck from XXXX XXXX, 2015. This has caused financial stress on me with the issue of paying bills and having money to get to work and eat daily. For the past weeks I had to stress over how I am going to have enough gas to get to work. Today I called and was told that the system is yet again down and my account has went from {$500.00} to {$0.00} XXXX times today. On the occurrences that I seen money available I went to the ATM and get invalid responses and is told to contact my financial institution. I call them and they have NO answers of the time frame, its been 2 weeks. All they ask for is your number so that they can send you a text when the system is fixed. When I asked to speak to a manager I was put on hold and never returned to. The HARDSHIP this has caused for me and so many lower class citizens in America is unfair and should be unjust. There has to be some why this can be avoided in the future. Currently I am at home with {$10.00} in my pocket that I can not spend because it is my last. What do I do next week up until payday?
Consumer complaint received 2015-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (LA)

I have been having my mortgage Loan since XXXX, original loanmade as a NON escrow loan. Taxes were added in XXXX, due to adispute with the City of XXXX XXXX. Original loan was made and serviced by America Home Mortgage, they later changed there name to Homeward Residential. In XXXX XXXX the servicing of the loan was transferred to OCWEN Loan Servicing. Ever since XX/XX/XXXXI have paid my own Insurances. In XXXX of XXXX, I received anescrow analysis for XXXX, giving a breakdown of the escrow, with no floodor home owners insurance being collected.In XXXX XXXX, I receivedan escrow analysis, indicating that Ocwen was going to collect forthe flood insurance and my new payment was increasing by as {$450.00}, for a {$1200.00} flood policy. there was no explanationas to why they were doing this, even though they had proof thatflood policy was enforce, with Ocwen as Loss payee. I calledOcwen to inquiry as to why my payment was increasing by $ XXXXXXXXand was just told they were going to start escrowing for floodinsurance. As I explained to them the Original Lender and myOriginal note and Mortgage contractually did not call for an Escrow. 
I was then told to Pay the shortage and send a letter requestingto remove all escrows, which I did on XXXX XXXX, XXXX, and with in XXXX a new analysis removing the escrow and a new payment willbe calculated with out the escrows. As of this date this has not beendone nor has a new analysis been preformed. I have made theprincipal and interest payments as per my contractual obligationson the Note, each month. However Ocwen has posted the paymentsto the Principal Interest and escrows, even though I have spoken tono less then XXXX representatives of Ocwen, only to be told : it is stillunder review, the escrows have been remove, a letter will beforth coming, you are current on your mortgage, we willrepost the payments etc ..., as of this date NOTHING from them. 
Now they are Reporting to the credit bureau that I am {$3000.00}. 
past due, and this has caused some problems. I have NEVERbeen late on this mortgage and I pay my bills monthly. Thiscompany has a horrible reputation for doing very strangethings to people concerning there Mortgage loans, I feelthat they will want to take my property, which by the way is about $ 50,000..Underwater.
Consumer complaint received 2015-10-26
Product: Debt collection — Mortgage
Issue: Communication tactics — Threatened to take legal action
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

I have been trying to get my mortgage caught up with CHFA 's debt collection company for over two months, XXXX XXXX XXXX Every time I speak with different people, I am told different things, I sent letters and no calls returned.I sent a modification package. Nothing done. I received a letter from attorney two weeks ago. I was told by law firm they ca n't give me information. Call XXXX and they wo n't give me info until I submit letter to reinstate, which I mailed on XXXX and submited by fax. Now I receive a letter from an attorney that they are foreclosing on my property even though I have tried to work with them to catch up my mortgage.Now I am having to do a Notice to Cure with XXXX County. CHFA/XXXX received my check and letter but not deny getting anything else from me!