davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (NY)

I sold a XXXX  and was paid with a cashiers check. i received the cashiers check and then deposited the funds into my Wells Fargo checking account on XX/XX/XXXX via a mobile deposit ( which i consistently do ). Well Fargo held the deposit for review for 10 days ( until XX/XX/XXXX ). Wells Fargo then cleared the funds and made them available in my account on XX/XX/XXXX for use with no limitations or notice as to additional time needed for the funds to settle beyond what already occurred. on XX/XX/XXXX ( approximately XXXX week later ), I received an email notification that Wells Fargo has deducted the full check amount of {$5000.00} from my account leaving me with an overdrawn balance. They told me on XX/XX/XXXX they did not know the reason why this occurred and that I had to wait until XX/XX/XXXX for the reason and that nobody could do anything. hey determined on XX/XX/XXXX that they believe the check was fraudulent and that I need to speak with the fraud department. I have spoken to roughly a dozen different people on the matter and nobody has given me an explanation for why i received the funds and then XXXX week later they were taken from my account even though the check was supposedly reviewed. They have also told me it isn't their problem even though they could have just not cleared the funds in the first place. I am now out {$5000.00} because of Wells Fargo 's negligence. This bank is a criminal organization.
Consumer complaint received 2016-03-11
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: Fidelity National Information Services, Inc. (FNIS) (KS)

Was trying to cash a small check and was denied. Called Certegy and disputed the charge that they had on file which was dropped. After receiving a letter today, I noticed a check presented to XXXX store XXXX check # XXXX on XXXX/XXXX/15 for {$94.00} that is not mine. I do n't write check except for my utilities. Very concerned since its my State I 'd # bit not my check.
Consumer complaint received 2016-03-11
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA)

I am willing to settle the debt at {$10000.00} under a 24 month payment plan of {$430.00} per month beginning on XXXX XXXX, 2016. I have been paying {$250.00} per month for the past 14 months. XXXX had previously offered to settle at {$15000.00}.
Consumer complaint received 2016-03-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TX)

On XXXX XXXX, 2016, I was notified by several parties that Santander left voicemail message inquiries while stating my name. I do not have a loan with Santander. I notified Santander over the phone and in writing to immediately cease and desist all contact with me, and to stop Skip-Tracing practices and calls to parties known to me for the purpose of making inquiries regarding me. 
I am assisting my XXXX year old mother in her attempts to surrender her vehicle that she can no longer drive to Santander. She is also unable to sell the vehicle which is valued at {$2500.00} and the remaining balance is more than {$12000.00}. Santander engaged her in a loan contract that is predatory by imposing unfair loan terms with high interest rates and fees, limiting her equity in the vehicle to {$1300.00} after 33 payments totaling more than {$9000.00} over 3 years -- a perpetual cycle of debt that she will never be able to pay. 

Santander was perfectly accepting of my direct involvement with her account while I was coordinating and rearranging her payments to them on her behalf as I do with her other accounts. But, when I started challenging the the payoff and the remaining balance and discussed her wishes to surrender her vehicle they refused to work with me directly. My mother mailed her written notification to surrender the vehicle and its location with instructions to pick it up, yet they have made no attempts to do so.
Consumer complaint received 2016-03-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC (MA)

J.C.Christensen, ( JCC ) with address XXXX XXXX, XXXX XXXX, XXXX, XXXX sent a dunning letter to my home address trying to collect a credit card debt for a debt buyer called XXXX XXXX XXXX. I had never seen before that account or credit card or creditor. The dunning letter came to my home address on XXXX XXXX, 2015. 
The next day I sent a dispute of debt letter and asked JCC to validate and verify the debt. I asked the debt collector to not call me and not to obtain my credit. JCC did not verify nor validate the debt, ever. 
On XXXX 2015 I obtained my Credit Report with XXXX and I realized that JCC has pulled my credit 2 time same day : XXXX XXXX, 2015. One hard pull and one account review. I did dispute the credit pulls with XXXX and they did not removed. I sent a letter to JCC making them aware of my intentions. JCC answered that : they have permissible purpose to pull my credit. FTC and CFPB has defined very clear that that a debt collector can pull one 's credit except when the debt collector obtains it on behalf of the creditor. 
My credit rating is ruined from JCC and XXXX that started reporting trade line with XXXX XXXX and XXXX. 
I have filed a complaint for violation of FCRA and XXXX Consumer Protection Laws and for invasion of privacy. My case is located in XXXX District Court in XXXX XXXX. 
Thank you XXXX XXXX
Consumer complaint received 2016-03-11
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: MidAmerica Mortgage Inc (TX)

I was told it was best to shop mortgage companies when refinancing, but XXXX of these companies submitted XXXX hard inquiries on my credit report, though I was given the impression they would only be soft inquiries. The very thing they tell me is bringing down my score! Not removing these will keep me from refinancing my home. Please help.
Consumer complaint received 2016-03-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (PR)

From : XXXX XXXX XXXX To : Consumer protection financial bureau Thank you for the great service and assistant, recently I open a claim against ( XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX Authorized Retailer ), about a month ago, the concern that I has now with XXXX of the accounts, from ( XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX Authorized Retailer XXXX, open on XXXX XXXX XXXX with ( Num. XXXX ), and XXXX XXXX XXXX with ( Num. XXXX ) is ; the account XXXX XXXX. XXXX ) has been send to a different debt collection company name ( RECEIVABLES PERFORMANCE XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX ). Who 's billing me {$440.00}, for the early close based on my credit karma account information, that I have to open and monitor thanks to all these issues with ( XXXX XXXX and XXXX XXXX XXXX XXXX. Dish Authorized Retailer ), basically is the same issue stated on my first Complaint with the case number XXXX, resolve on XXXX XXXX, XXXX, with Related Case Number : XXXX, for the account ( Num. XXXX ), beside that, I am really grateful for all you have done in helping me in fixing these issue with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX.
Consumer complaint received 2016-03-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (KS)

I went to annualcreditreport.com this month to obtain my free reports. For the past 4 years, Equifax has been the only CRA that refuses to grant me online access to my report. They always deny access and instruct me to request my report in writing. Again, this is the fourth consecutive year. I complained about this once before ( a couple of years ago ) to CFPB, and Equifax mailed my credit report at that time. Please fix this.
Consumer complaint received 2016-03-11
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA)

Navient hired Financial Asset Management Systems ( " FAMS '' ) to collect on a student loan. I called FAMS on XXXX XXXX, 2016, to offer a settlement agreement on the debt of {$430.00} per month beginning on XXXX XXXX, 2016, for 24 months for a total settlement on the loans of {$10000.00}. XXXX had previously offered a settlement of $ XXXX FAMS agent stated that they could n't help me for some reason. They said they could n't pull up my account and that they could n't help me, even though I 've been making payments for th past 14 months to FAMS of {$250.00} per month. I recorded the phone call of the agent stating that they could n't help me. I have no idea why FAMS could n't help me because they have been taking my payments for the past 14 months. I called to offer the settlement, but unfortunately FAMS was playing hardball, and the agent was misrepresenting that they could n't help which is a flagrant violation of the Fair Debt Collections Practices Act.
Consumer complaint received 2016-03-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

CMS LN XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX CA XXXX XXXX XXXX We caught them doing some questionable things at the beginning of this transaction. Please see attached previous CFPB complaint. Escrow is trying to close today XXXX/XXXX/16. A payoff demand was ordered from Carrington on XX/XX/XXXX. We were told we would have the payoff within 3-5 days. We have called in multiple times since then ( at least 6 total ). We have gotten a different story every single time we have called. One call we were told it would be 3-5 days. The next call we were told the request was closed out and the new time frame for providing a payoff would have to start over. The rep had no ideas why it was closed out. Then it was escalated again. Then we were told we would have a payoff within 24 hours. ( we never received it ) Then we were told we would have it by the end of business that day. ( we never received it ) Then it was escalated again. Then we were told it would take at least 10 days to get a payoff. We have never received the payoff demand. We have been told a completely different story every single time we have called them. This has been escalated multiple times, as well as cancelled multiple times within their system. As of today, they are now telling us we wo n't get a payoff demand until after the foreclosure date. 

Is the refusal to send a payoff demand Carrington 's version of retribution for filing the first CFPB complaint? Kinda seems that way ... .. 

We know that Carrington has no intention to allow a full payoff of this loan. They never did. They instead want to foreclose on this property and send it to their real estate division in order to keep the equity in this property for themselves and get paid a commission for the sale. THIS HAS BEEN THEIR GOAL FROM THE BEGINNING.
Consumer complaint received 2016-03-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BCA Financial Services, Inc. (FL)

First of all BCA Financial is trying to collect a bill from University XXXX that does not exist. When I called University XXXX they said there 's no balance such as {$2700.00} from XX/XX/XXXX/2008. 
Second of all, even If I owned it should not being reported to the credit agencies because they are saying the procedure and the bill was in XX/XX/XXXX/2008 which is over 7 years to be reported. 
I already gave them the opportunity to remove, but they said they wo n't to remove. 
BCA Financial XXXX XXXX - XXXX # XXXX XXXX XXXX billing dept : XXXX XXXX University XXXX : XXXX
Consumer complaint received 2016-03-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Hillcrest Davidson & Associates (TX)

Gentleman called and continued to call me a liar after I explained my situation to him. I repeatedly told him that I never ordered the system he called me about and he went on and on reading I suggest a his lines calling me a liar. I did not appreciate the harassment and do n't want him them to ever call my phone again.
Consumer complaint received 2016-03-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: MARINER FINANCE, LLC (VA)

Mariner Finance continues to report that I have a delinquent/past due balance with them. I am no longer legally required to pay Mariner Finance anything nor do I have a past due balance. I have disputed this on seven occasions with the credit bureau and have contacted Mariner Finance directly. I have yet to receive a response from Mariner Finance.
Consumer complaint received 2016-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC (TX)

My university uses ECSI as a loan servicer. The servicer 's repayment process on their website is very difficult to navigate. I pay all of my bills online, including a student loan from a different servicer, and ECSI is the only one that I feel is intentionally trying to scam people into not making payments or being charged fees to make a payment. 

The whole issue with ECSI stems from having to navigate through a convoluted process to set up a payment schedule. In my situation, I attempted to make a payment several months before my deferment period was over. 

The process began like this : First, the option to make a payment was not given. After searching the site you figure out that you need to go through a separate process to add a checking account to your loan account so that the payment can be withdrawn from it. 

Second, once the checking account is added, you are given a few options to pay your loan i.e. via checking account, credit card, etc. A problem here is that XXXX of the payment options are identical except XXXX charges you a transaction fee while the other is free. These XXXX payment options both withdraw from your checking account. If you select the wrong option you may be directed to the process where you will need to pay a fee just to pay off your loan. 

Third, once you select the free option to pay by direct debit ( checking account ) you select your loan balance that you want the payment applied to. Here, I elected to make a {$700.00} payment. After inputting {$700.00}, you need to hit the " apply '' button. I think this button tells the system that you really do want to make a {$700.00} payment. 

Fourth, after you hit apply, you now need to check off on the boxes " below ''. Here, I agreed to the terms of use. Then I checked a second box where I was telling the system that I wanted my payment to be withdrawn/applied to my loan on a specific date and then selected the date I preferred. 

Fifth, I clicked confirm and received a confirmation page that my payment will be applied on the date selected. 

The problem arises in the fourth step. There 's another box that I needed to select. This box generally says that I would like my payment applied in periods of deferment or when payment is not required by me. So, even though I went through all of the steps telling the system I really want to make a payment and I want this payment applied on a particular day, none of it made any difference because I did n't select the XXXX box asking to apply payment when payment is not required. I even was taken to a confirmation page that showed my payment set up was a success but it never really was a " success '' because ECSI intentionally made the process convoluted. 

I was lucky to catch this during my deferment period. There has to be many situations where people paying off their student loans post-deferment encountered the difficulties of the ECSI payment process and ended up being slapped with late fees and such.
Consumer complaint received 2015-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (MA)

I have a XXXX mortgage with PNC. The interest rate is very high. I have not received a statement for several years. they used to send a letter that acknowledged my payment, but that stopped too. My crime is paying early. According to XXXX of these letters, since I pay early I am not entitled to a statement. I have tried to sign up for online access, but it is not possible. Whenever I try to call the wait is longer than XXXX minutes. for 9 %, it would be nice to get some information about my loan. 

I have attempted to complain directly to the company, but I a form response that ignored my questions. Is this legal?
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

Apple Card ( XXXX XXXX XXXX  XXXX XXXX says they have investigated my earlier complaints ( now closed by you. # XXXX ) and assert that they refunded me for a fraudulent charge on my Apple Card for {$190.00}. BUT THEY NEVER DID! I have asked them for written proof XXXX  of the refund but they have not provided it. I called them and directed them to close my account because I suspected my number was being used fraudulently and they closed it. Alas, now when I call them to follow up on the refund I am supposed to get, they say they can not find any record of my account. ARE YOU AWARE THAT XXXX HAS ENDED ITS DEAL WITH XXXX XXXX  EARLY BECAUSE OF ALL OF THE OUTSTANDING COMPLAINTS ABOUT THEM? XXXX XXXX!
Consumer complaint received 2016-03-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

I 've filed a complaint about this problem before with CFPB. Ocwen Financial Services, LLC is my current mortgage service provider. For two years now, Ocwen has insisted that my mortgage payments are late or insufficient to cover the PITI payment. The geneses of the problem lies in the fact that Ocwen placed force insurance on my loan at premiums well above XXXX $ US. In fact for the past two years, the insurance company, Insurance broker and myself have sent to Ocwen proof of insurance via letter, fax, emails and phone calls. Ocwen does not have proper internal administrative computer systems to resolve the mortgage payment issue and still insists ( even after Ocwen said I was correct and they would fix the problem ) I am in arrears with my payment. As a result Ocwen has assessed me late payment fees, property valuation fees, Default notice fees etc. I have made all my payments to Ocwen. And if any payment was late, I did include a late fee.
Consumer complaint received 2016-03-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NY)

Somewhere XX/XX/XXXX or XX/XX/XXXX my cell phone was stolen and I immediately called the XXXX to inform them of a stolen cell phone. We agreed to keep the phone on to keep GPS signal alive to try to locate the thief while XXXX would monitor any strange calls. That was Saturday, but on Monday I log onto the account and saw that strange calls were made to XXXX, although I am XXXX and I never even been in XXXX or have anybody there. So I called XXXX once again on Monday only 40h after my first call to them and they told me that someone has been making a calls to XXXX in amount of over a {$12.00} XXXX ... ..I just could not believe that XXXX would let someone make in one day over a XXXX calls ... ..and then they tried to held me responsible. Anyway I did dispute the charges and I had peace till now ... after almost 5 years some debt collection agency from Florida ruined my credit score with the debt I never even made. I called them and they said to me over the phone that they will send a Marshall to arrest me in 24 hours if I don`t pay. 
ABSURD!!!
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (OR)

This is a legal/lawful notice that you are making ultra-vires actions, violating my consumer rights, and right to privacy, reporting my personal private transaction history without my written consent, 15 USC 1681 604A.

You are in violation of the 1974 Privacy Act, Section 5 specifically prohibits the disclosure of personal information without the consent of the individual concerned.

15 USC 1681 Section 602A we have the right to privacy!

The Dodd-Frank act was enacted to protect consumers rights in business transactions reported to the agencies, Section 623 54-57, emphasizing consumer signature and consent.

15 USC 1681B ( a ) ( 2 ), persons are only authorized to furnish consumer reports in accordance with written instructions of the consumer.

15 USC 1681c ( A ) ( 2 ) ( A ) ( i ), transactions in business are between the consumer and the person making the report.

15 USC 1581a, financial institutions may not report directly, disclose to a non-affiliated third any non-public personal information.

Violations of the Fact are section 623 ( a ) ( 7 ). Your institution failed to provide an early warning notice regarding any form of a debt being placed in my personal private consumer file.

These actions are causing me irreparable harm including denials to extension of my credit. You are also violating my constitutional right to contract.

Im respectfully demanding that you delete all negative information pertaining to the below mentioned accounts. You have until 10/1/24 to remove this information from my personal consumer report. Im also demanding that you send me your non-disclosure forms. I am also demanding that you send me a copy of my consumer report once you delete the negative items.
Consumer complaint received 2016-03-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

When my mortgage was with Bank of America ( B of A ) I had a letter that said I may qualify for a mortgage modification. I then called B of A for more details and was told if I did this it would not have any serious negative effects on my credit. I advised I would try and do this and filled out all the paperwork time and time again but seemed to be getting nowhere. Every time I called I had to talk with different people before they would put me through to the person handling my case. There were times it took days to reach the person I needed to speak with. I was told or it was implied that if I was behind on payments my request would go through more quickly and probably be approved so I asked again if I did this would my credit be affected and was told it would not. Therefore, I got behind on my payments but nothing changed and I kept getting the run around so I caught up my payments at one time and told them I wanted nothing more to do with getting a modification which I had to do repeatedly. Finally they sent me a letter denying the modification. That was the first and only time I had late payments of any kind. B of A did not keep their word and dinged my credit anyway. 
I have disputed this with all XXXX credit reporting agencies and have also been in touch with our consumer advocate group " Let XXXX know '' on XXXX XXXX XXXX in XXXX, Arizona and have been advised by them to file with the reporting agencies and then contact B of A and ask them to do the right thing by having this blemish taken off my record. I will also report it to the Consumer Financial Protection Bureau ( CFPB ).