davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (NJ)

I had a personal automobile loan with Wells Fargo Bank. I bought it used and as the car was now 9 years old, I decided to trade the vehicle in. I found a car I wanted at XXXX in XXXX XXXX, NJ. I traded the vehicle in on XXXX XXXX, 2015. I told the car dealer I had a payment due with Wells Fargo Bank but they told me not to make the payment as they already had the payoff and I would alter the paperwork if I made a payment. On or about XXXX XXXX I was called by Wells Fargo and they wanted to know why I had not made the XXXX payment on my loan. I told the individual that the vehicle was traded in on XXXX XXXX and gave her the name and telephone of the general manager, XXXX and sales man, XXXX, I dealt with at XXXX XXXX. Also, the sales man said they had called Wells Fargo to get a payoff when I signed my paperwork and that payment was in with the payoff. She said she would look into this but if they did n't receive a payment they were going to report me as a delinquent account. About 5 or 7 days later, I was again called by Wells Fargo about the car loan. I again told them the vehicle was traded in and additionally, the dealer already sold the vehicle I traded in. I asked them if they contacted the dealer and I was told it was n't their problem. I called the dealer and told them what was happening. They informed me that Wells Fargo never called them to verify my information as they said but they did have the payoff and it was already sent. I received a letter from Wells Fargo stating that the loan was paid off on XXXX XXXX. However during this time, they reported my account to the various credit bureaus as being 30 to 60 days delinquent.Naturally, they have now destroyed my credit score as it dropped XXXX points due to this reporting. The final insult was that I only had 4 months on this loan and never had a delinquent payment. Also, I had being making extra payments of {$15.00} to {$20.00} per month to pay the loan off ahead of time. I can upload and send my agreement of sale dated XXXX XXXX, 2015 if needed at a later time.
Consumer complaint received 2015-12-01
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MONEY SOURCE, INC., THE (CA)

i ask the money source for instructions of pay of loan amount, the money source send instructions to new mortgage co. we paid the money source the amount they calculated and ask, then thth money source took money from escrow account and said that the apy of amount was short. we paid what they ask. the money source then send explanation account loan spread sheets which does not make sensse numbers do n't match. the money source gave wrong pay of amount, due that they forgot to deduct XXXX principal and taxes and insurance that they recieved. so that no means that the pay of amount was supposed to be less than what the money source original send to new mortgage co. and we paid. it was the money source fault they did the wrong calculations, and they penalized me.
Consumer complaint received 2015-06-20
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: TCF NATIONAL BANK (MN)

I got a chargeback from XXXX and they paid the money to the bank and the bank claims they never got the money.XXXX explained that they gave me the money to the bank and they did that when I involved federal agencies.XXXX has no reason to lie but TCF does not want to co-operate. 
TCF needs to give me the money back
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have filed XXXX CFPB complaints on XXXX already about this and have several emails as well going back and forth for XXXX months of me trying to get this fixed. I noticed that my husband 's accounts and score were showing up on MY credit report, and on MY XXXX account. We have a mortgage loan together, and our social security numbers have always been reported separately. We never had this issue, even when we were coborrowers on a loan. We bought a XXXX XXXX from XXXX XXXX in XXXXXX/XX/XXXXXX/XX/XXXX, and my husband was the main borrower, and I was the secondary borrower, but I pay the monthly bill. We are equal owners on the car ( just like our mortgage ). Since we got that car, XXXX has been putting my husband 's score/accounts on my report and XXXX account XXXX He even has a fraud alert that is tied to MY social security number. I can't apply for credit or installment loans because my identity can't be verified due to this issue. I have XXXX access to what my actual score is. I don't know what my credit report looks like. I got a notification the other day from credit karma saying all my accounts were removed and then re-added. I asked XXXX about this and as per usual- they stopped responding. XXXX XXXX swears they are reporting my social - to my name, and my husband 's social - to his name. But for some reason, this isnt getting fixed. Something is going on, and I have a right to an accurate credit report. This is NOT fair to do to someone. Especially to have it drag out for 6 months. Additionally, I called XXXX and asked that the fraud alert be removed, back in XXXX. It is now almost the end of XXXX and I'm still being told by creditors that there's a fraud alert on my account. Not only that, but it carried over to XXXX, from XXXX. XXXX, it says I have no active alerts, but I have lenders telling me when they run my credit, there is XXXX. Now i don't feel comfortable ever placing XXXX in case i cant get it removed. I dont care who is making the mistake, I just want it fixed.
Consumer complaint received 2015-08-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (SC)

I now have a negative balance of over {$200.00} a check was posted to my account for {$86.00} Wells Fargo then decided to charge an overdraft fee for a {$7.00} debt which set in a charge of {$35.00} of which set my {$86.00} into a negative of which they charged a {$35.00} fee for that then they reversed my check of which set off yet another {$35.00} overdraft charge I am annoyed with these fraudulent charges and practices
Consumer complaint received 2015-04-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (UT)

In XXXX XXXX, I returned a vehicle I had been leasing since XXXX and purchased a XXXX Pontiac G8GT. From XXXX XXXX - XXXX XXXX I made my monthly payments of {$500.00}. I believe there was XXXX instance that my payment was late but stilling paying within that month. When I purchased the vehicle, I elected to buy a new car warranty as well as Gap insurance. In XXXX XXXX my vehicle was parked outside my home and was rear ended by a XXXX high school girl distracted at the wheel. My vehicle sustained over {$17000.00} in damage and was deemed a total loss. At the time of the accident I carried full coverage insurance through XXXX and also carried Gap insurance coverage. My insurance company paid over {$21000.00} towards the vehicle because the girl at fault was uninsured. The remaining balance of approximately {$850.00} should have been covered by the Gap insurance I paid for monthly. After all deductions made and refunds calculated Ally sent me a statement advising me that I owed the above balance. How is that possible? The entire reason I purchased Gap insurance was to cover additional costs not covered by my personal insurance company. I disputed this with Ally for several months. Ultimately, fighting a losing battle I paid Ally The REMAINING balance they claimed I owed. At which point, ALLY proceeded to report my account as a charge off. Which negatively affected my credit rating.
Consumer complaint received 2015-08-05
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I paid a credit card deposit of {$200.00} for a secured credit card. I closed the account due to the fees assessed to my account during my financial hardship. I received calls regarding my account, during my unemployment period. I was actively seeking employment, and once I found a job I called the company to see I could arrange for a settlement. Once I reached a representative, she stated to pay them off would be a total of {$170.00}, after my initial payment of {$25.00}. After making the payment of {$25.00} I received a statement stating my total balance that was greater than the {$170.00}, I then spoke with a representative earlier this week XXXX/XXXX/15, and was told that there is no settlement agreement on the account, and that to bring the account current I needed to pay, {$230.00}. Which is way more than my deposit, and I was told that my deposit was already used toward my balance, which makes no sense.
Consumer complaint received 2015-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (PA)

Ocwen Loan Servicing , LLC took over our mortgage, and life has been a nightmare ever since. Every few months, Ocwen raises our monthly fee. We do the best we can, working as many hours as we can, to pay the ever-increasing mortgage rate. One month, our bank ( XXXX -- another corrupt institution ) bounced our online payment after re-organizing payments, which XXXX does all the time, and which makes it impossible to know how much money you have. Since then, we have been a couple of weeks behind on Ocwen, considering that our mortgage is now more than {$1000.00} higher than it was a couple of years ago. In good faith, we have struggled to pay this rate, doing the best we can to stay current, despite having NO money left over to feed our kids sometimes, put gas in the car, or pay the electric bill ( all of that good stuff ). Despite repeated mailings and faxes to Ocwen, their Research Dept just doubles down, arguing that the rate is correct ( and then raises it more!! ). Either this is an evil conspiracy to steal the homes of hardworking Americans, or Ocwen is so inept that one department can not communicate with another. We expect it 's a bit of both. DO NOT do business with Ocwen ; we want to run away from Ocwen, but Ocwen has RUINED our credit and made our lives impossible. We have written to the Ocwen CEOs ; we will go public to the highest levels, if necessary, to expose these shady business practices.
Consumer complaint received 2015-12-01
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Grant & Weber (AZ)

I called Grant & Weber and I told them I wanted to settle my debt which shows {$970.00} on my credit report, the agent started to tell me I was very irresponsible for not paying, told me I once called saying I was not going to pay anything and that my balance now was {$1500.00} that he was going to sue me and and at this point he was not going to give me a deal. He raised his voice and made me feel threatened and frustrated. I called to pay this debt and got insulted and treated really bad.
Consumer complaint received 2015-11-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Clark County Collection Service (NV)

On XXXX/XXXX/2015 Identity Theft report. For medical bill and cable bill. On my credit report. I mail copy of police report, copy of my social security card and driver license to XXXX. Then I received a letter from XXXX Please be advised that XXXX, at this time, will not block the information subject to the submitted identity theft and / or police report you provided as part of your dispute. We are contacting each creditor directly to verify the accounts on your behalf. We will also forward a copy of the documents you have provided to each creditor for their review. The police report is regulated by law and secondary dissemination of any kind is prohibited. 
Case # XXXX police report.
Consumer complaint received 2015-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IL)

experian reinserted negative information from us dept of ed. which had been disputed and cleared one year earlier, after months of disputing information and providing proof of inaccuracies, experian removed again, but now creditor continue to state that experian is reporting negative information on XXXX accounts while my credit report has XXXX negative accounts.
Consumer complaint received 2024-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (IL)

I was in school from XXXX to XXXX of XXXX at XXXX XXXX XXXX XXXX XXXX which is an accredited college. I am waiting for the XXXX semester to begin. EdFinancial is telling me that my loans are due NOW which is not true. With an in-school deferment, student loans are not due until a student graduates or attends school less that half-time and then the student has a 6 month grace period before the loans are due. So, technically, my student loans should not be due until XX/XX/XXXX. 
Every time I call I get a different story from EdFinancial. One representative stated she would send the correct information to her " back office '' so they would put my loans into in-school deferment. That did happen but the loans stated they were due on XX/XX/XXXX. While I am waiting for the XXXX semester to start, XXXX is telling me my loans are due now. No student has to pay student loans BETWEEN semesters! I want my student loans placed into in-school deferment with the 6-month grace period.
Consumer complaint received 2024-10-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION (FL)

I have a negative remark on my credit report with REGIONAL ACCEPTANCE since XXXX. 
On XX/XX/XXXX I requested the following documentation : Please provide copies of the legal notices sent to me along with proof that the vehicle 's resale was completed commercially reasonably as required by law. 

The laws of the state of FLORIDA and Ucc 9.506 along with XXXX XXXX XXXX Installment Sales Agreements and Retail Installment Sales Agreements clearly state that a deficiency balance can not be claimed if the required notices were not properly and timely given. The consumer must be permitted a certain time to cure and/or redeem which is not available if the proper notices are not submitted. 

On XX/XX/XXXX I received a notice from Regional Acceptance saying that The letter I sent was from a credit repair company which I have not hired anybody to resolve the issue I have with Regional Acceptance, I believe this company uses this tactic to not provide a customer with what the customer required from this company. 

On XX/XX/XXXX I wrote again telling them I did not use a credit repair company and for them to provide the documents I requested. I received a letter from them on XX/XX/XXXX saying the account I am disputed is valid and they won't change the information on my credit report. 
This is a clear validation of FDCPA, Reginal Acceptance never provided the documents I requested by law and still keeps reporting this negative account on my credit. I demand this company after refusing to provide me with copies of the legal notices sent to me along with proof that the vehicle 's resale was completed commercially reasonably as required by law, remove this negative account from my credit report.
Consumer complaint received 2015-08-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (PA)

I attempted to make a payment to my fixed rate mortgage loan in the amount of {$560.00} with the addition of the {$5.00} web fee on XXXX/XXXX/2015. When I went to make my normal payment via Seterus, Inc website it stated that I could not make a payment unless it was less than {$200.00} even though my normal payment is {$560.00}. I called Seterus Inc., on XXXX/XXXX/2015 about the above said matter, I spoke to representative XXXX XXXX on XXXX/XXXX/2015. XXXX XXXX noted that I could not make a payment in the full monthly amount over the phone or on the website as I normally paid because my payment amount due was too low which does n't make sense. I could not get a satisfactory answer so I asked for a supervisor. I spoke to his supervisor XXXX XXXX on XXXX/XXXX/2015 and he said the same thing that I could not make a payment over the phone or online because their system would not accept the payment even though I am not considered late until XXXX/XXXX/2015. They are essentially refusing payment over the phone or through the website even though I would pay my normal monthly amount. Also, Seterus, Inc. made a mistake on my XXXX XXXX, 2015 statement which says I owe a payment of {$490.00} even though my normal mortgage payment is {$560.00}. On their website it says I owe {$560.00} for my normal payment but on my statement it says {$490.00} for my regular payment. Please see attached documents.
Consumer complaint received 2015-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

I have inquired with XXXX XXXX XXXX who is the original creditor on this old account who stated that they are no longer reporting this account on my credit report thus I should dispute and request a deletion of this from the bureau directly. However, my numerous attempts to get this account deleted from my experian report even after I have supplied them with the letter from my creditor directly that stated they are NOT reporting this on my credit report anymore. Phone calls were a waste of time I was never able to get ahold of anyone after XXXX hours of being on hold. Their website is unresponsive and I keep getting these auto generated mail from experian stating they have verified this acount however, XXXX XXXX XXXX stated they did NOT verify any information on this non-existent deleted account ....
Consumer complaint received 2016-06-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

I currently have XXXX private loans with navient that they 're currently attempting to collect. My concern is with the aggressiveness and harassing manner that they are attempting to collect the debt. I have spoken with with navient in regards to my current financial situation and they are not compromising. They are very rude and have made multiple threats to myself and my mother over the phone in regards to not paying back the money borrowed. They have charged me $ XXXX/loan totaling {$100.00} in forbearance fees and for them to stop negatively reporting on my credit. I am expected to pay {$400.00} a month to them which I have already expressed that I can not afford. They have never requested pay stubs or any other financial information and have only told me based on the income I 've shared with them that I can afford to pay the loans back. I am growing very distressed about this situation as I have expressed on multiple occasions that I do want to pay the balance however can not afford the only repayment option that I have been given. They have been negatively reporting on my credit for months and I am now in fear that me not being able to pay this one option given is going to put me in a deeper financial bind that will take an extensive amount of time to repair. I understand that this is a debt that I have collected and it must be repaid however I feel that they have not done their due diligence and providing me options that fit my financial situation and can supply their need of repayment. I have been informed that navient has violated many lender laws in the past I strongly feel that the way that I have been treated is yet another case against them. I have a payment coming due in a couple of weeks that I know I will not be able to afford and I 'm in fear of the consequences yet my multiple cost to them to try and compromise or figure something else out have all proven unsuccessful. They are not only uncompromising but very rude and use personal opinion to factor in their way of helping you. More than this being a customer service concern this is something that it 's going to affect me financially and many years to come. I do feel like my rights are being violated and I am being harassed. Please advise.
Consumer complaint received 2015-06-19
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: R.M. Galicia, Inc. (TX)

I took my XXXX year old son to a XXXX XXXX medical center and I provided a legitimate form of payment. They attempted to file a claim with the insurance provider and the claim was denied XXXX which I found out when I started investigating the collections report on my credit report ). They claim to have sent statements to my home address. I did not receive any. I was never called or notified that this would be sent to collections. 

Now my credit report is reflecting a collection action of which I had no knowledge until it was on my credit report.
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I would like to file a complaint against XXXX, without researching they made no attempt to investigate the issue with XXXX. My balance for account # XXXX should be XXXX. I returned the equipment on XXXX/XXXX/15 and they never issued a credit for it, currently it 's reporting that I have a balance of {$1000.00} which is completely incorrect and should be adjusted as of XXXX/XXXX/15. They are impeding my credit score as it should be much higher than it is. Also, they are reporting under " revolving accounts '' and utilities such as home phone and cable should be installment NOT revolving. I have attached proof as well of the return.
Consumer complaint received 2015-05-13
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Priority Financial Services (VA)

While searching for a mortgage loan I was contacted by Priority Financial to help in getting me the best interest rate. Everything went as expected until the disperse net and I was not allowed check due me until I paid Priority {$4000.00} back for them helping me. My back received check and was not released until check was received by them. I found out this was not a correct procedure when I went to refinance loan and refused to deal with a broker. After contacting Priorty they have said they can not find where check was deposited and they would not have anyone work for them they did this. I have sent them documents, front and back of check, and people I dealt with. They have offered {$1000.00} to us because of my health, XXXX, and circumstances happening at the time but can not tell me where money is, who cashed it and if this has occurred with anyone else. At a loss as what else to do. Should I accept the {$1000.00} and be grateful to get some of it back or continue to fight on. It astounds me a company that deals with money, customers and knows nothing of this check. I really need to know what to do.