davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-12
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

I paid for a cashier 's check from Wells Fargo in order to pay for my XX/XX/XXXX rent. A week after I mailed it off, my landlord contacted me and informed me that he had not received it. Thinking that it had simply been lost in the mail, I visited several Wells Fargo locations to stop the payment and reprint the cashier 's check. After these several attempts failed due to Wells Fargo refusal to stop payment and reprint the check without notarization, the last Wells Fargo bank I visited informed me that the check had already been cashed. Upon further investigation, the representative gave me a printed copy of the cashier check when it was processed, and the check was clearly tampered with. Someone else 's name was scribbled over my landlord 's, but the Wells Fargo location cleared it anyway despite the obvious evidence to it being tampered. Upon complaining, they refused to help : claiming that there was nothing they could do to even consider reimbursement for an indefinite amount of time and shallowly offered me a " loan '' to pay my rent. Now I still have this month 's rent to pay, my landlord is compounding late fees every day he does n't have it, and my children are going to find themselves without XXXX this year unless this thing is settled and Wells Fargo is held accountable for their mistake.
Consumer complaint received 2024-09-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (OK)

On XX/XX/year> I received a letter from Fair Collections & Outsourcing dated XX/XX/year> notifying me that they were a collection agency attempting to collect a debt from an apartment lease. The letter also stated that I had until XX/XX/year> to send them in writing a dispute the debt. I sent by certified mail on XX/XX/year> a letter stating that I was a victim of identity theft. In the letter, I requested that in accordance with the Fair Debt Collection Practices Act, that they stop collection proceedings and that they notify the business where the account was opened that the debt is the result of identity theft. I also requested copies of all records relating to the account, including : account applications made on paper, online, or by telephone, account statements or invoices, records of payment or charge slips, delivery addresses associated with the account, records of phone numbers used to activate or access the account, signatures on applications and accounts, and investigators report. Additionally, I requested they sent me a letter explaining what they have done to : inform the business where the account was opened that the debt is the result of identity theft, stop collection proceedings, and stop reporting information about the debt to credit reporting companies. With the letter, I sent a copy of my FTC Identity Theft Report, a copy of my driver 's license as proof of identity, and CFPB 's notice to furnishers of information. USPS records the letter was delivered and left with an individual on XX/XX/year>. On XX/XX/year>, I received another letter from Fair Collections and Outsourcing dated XX/XX/year>. The letter stated that they needed more proof, including ID Theft Affidavit, Mortgage Statement/Lease Information, and Utility Bills . On XX/XX/year> I sent copies of all requested documents, along with a letter requesting again that they send me all copies of documents relating to this debt and to stop collection proceedings. I also requested again that they send me a letter explaining what they have done to : inform the business where the account was opened that the debt is the result of identity theft, stop collection proceedings, and stop reporting information about the debt to credit reporting companies. Included with the request and documentation was a copy of the Notice to Furnishers of Information. On XX/XX/year>, I received another letter from Fair Collections and Outstanding dated XX/XX/year> that the account has already been reported to one or all of the national credit reporting bureaus and requesting payment for the debt. I have been fully cooperative with them and sent them all the requested information in a timely manner. They have not sent me any of the documents I requested or any information explaining what they have done. They also reported the debt and attempted collection after being notified of the identity theft and receiving supporting documents prior to the deadline provided by them for disputing the debt.
Consumer complaint received 2016-07-06
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc. (OH)

I had a mortgage through Residential Credit solution for the past three years I continually sent information to have our mortgage refinanced. They not only gave me the run-around they continued to put are home up for a Sheriff sale. In the past three years we have put {$30000.00} on our mortgage only now we owe more money then what it was owed. XXXX continually to refinance stating that we did n't give them all the information which was not true they just continually gave us the run-around only XXXX have the company shut down and we come to find out that they done this to other people this company stole from us lied to us and all we want is that money credited properly to our account.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (LA)

I sent a certified letter to Equifax and XXXX on XX/XX/XXXX notifying them about the violation of US law 15 U.S Code 1681b Permissible purposes of consumer reports code which states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave XXXX, or Equifax any written consent to report anything on my consumer report pertaining to a bankruptcy, no consent is identity theft. For their convenience I also attached a copy of the law to the letter. They each then forwarded a letter to me stating that regardless of what the US law says, that the information will remain, further violating the law. Just to clarify things I am not a lawyer, and I am not with a credit repair company, as I am aware that is illegal. I am just a well informed consumer that reads and can comprehend law. I am looking to get this deleted immediately or I will pursue legal action against Equifax and XXXX.
Consumer complaint received 2024-09-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Sezzle Inc. (UT)

Company signed me up for their premium subscription without my knowledge.started charging me {$12.00} a month. I contacted requested refund and cancellation immediately but their chat would conveniently go offline. Now Ive been charged 7 times for subscription I never signed up or used. I contacted them again and was told too bad its too late we wont refund you. Ive been scammed.
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

YOUR COMPANY REFUSED TO REMOVE AND RE-INVESTIGATE THESE DISPUTED ITEMS. 
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be re-investigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
REMOVE ALL FRAUDULENT ACCOUNTS IMMEDIATELY.
Consumer complaint received 2024-09-27
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (OH)

You previously closed this investigation because this mortgage company simply said they needed " more '' paperwork. This is unacceptable! They are requiring paperwork from a subcontractor that DID NOT WORK on the property. The attorney I contacted said that is absurd NO contractor will sign a waiver of lien on something they didn't work on. He said this mortgage co wants this lien for " other '' reasons. Like to hide money and do fraudulent things. The attorney stated that this company is in the top three mortgage companies on the list of having " bad faith '' practices. Apparently you did not even look into my case? Now Shellpoint / NewRez Mortgage are sending me on yet another wild goose chase trying to obtain another waiver of lien from my county court house. I have spent numerous hours trying to obtain this document that nobody has heard of. I have called the Clerk of Courts. The County Commissioners office. The Administration offices. The County Recorders office and the Treasurer of State 's office. I have even reached out to XXXX XXXX and XXXX XXXX XXXX for an answer. If this lien document they are wanting exists NOBODY HAS IT!! I ; m not going away I will pursue this until I die or they kill me due to having medical issues. There is a disabled person whom I take care of residing in the home and NOBODY seems to care that this company takes advantage of the disabled, women, and everyone else. They need to be shut down! There should be a class action suit against them from every single person they have taken advantage of. Look at the reviews online about just this one company and YOU say you investigated my claim. Just because they say they need more documents you just accepted that and closed it. The documents they want DO NOT EXIST!!!!!!!!!! Who else can I contact besides CFPB that will actually take this matter seriously and not just blow it off because they dont want to do their jobs? Who is above you? The news and media is my next stop. I Have attached just a few of the correspondence emails between me and them just so you can see what they are putting me through. And who doesn't ALLOW you to speak to a supervisor or someone in charge. Their reply to me per the email dated XX/XX/year> please read it!
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

Why would USAA close my accounts after XXXX  years of service with them? I also have my children 's youth accounts. They gave me problems last month when I had my thrift savings check deposited into my accounts. I worked for these checks and saved for over XXXX  years. They said sorry for locking my accounts. Now they close my accounts for no reason, and they don't know why when I call. 

Why close my husbands?
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Corp Solutions Inc. (IN)

Dear XXXX XXXX XXXX XXXX, I am writing to formally dispute the validity of the debt that you allege I owe. Please take this letter as my notice of dispute pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1. Lack of Contractual Evidence I have no knowledge of any valid or enforceable contract between myself and XXXX XXXX XXXX XXXX. I request that you provide me with a signed contract or any agreement that establishes a legal obligation binding me to this alleged debt. Without such evidence, I am not liable for the alleged debt. I expect you to provide documentation of a valid, signed contract between myself and XXXX XXXX XXXX XXXX that evidences my agreement to pay the alleged debt in question. 
2. Request for Debt Validation Pursuant to the FDCPA and FCRA, I request that you validate this alleged debt by providing a full, detailed accounting of the account. This validation should include, but is not limited to, the following : The name of the original creditor, The principal balance of the alleged debt, Documentation of any insurance, securities, tax benefits, or other financial transactions related to the account. 
I request this detailed accounting to ensure the accuracy of the amount you claim I owe. Failure to provide accurate documentation could result in a violation of both the FDCPA and FCRA if it is found that XXXX XXXX XXXX XXXX has made false or inaccurate claims regarding this debt. 
3. Failure to Provide Account XXXX XXXX XXXX does not list the full account number associated with the alleged debt. Without this information, I can not verify the debt. I request that XXXX XXXX XXXX XXXX provide the full account number for proper identification and validation of the alleged debt.
Consumer complaint received 2019-10-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Credit Adjustments Inc (TN)

My wages are being garnished for a student loan and have been for a year. This is has caused me a great deal of stress. I have XXXX XXXX XXXX and have had to have several XXXX  which causes me to be off work.Due to XXXX with my illness I exhaust my vacation and PTO days. I also have a XXXX, XXXX, and XXXX that I have to see monthly. I contact Credit Adjustments Inc,XXXX to discuss payment options and was told that I had to pay the amount in full. My health not getting any better and I would like to be able to make monthly payments toward this debt. I had to drop out of school and unable to complete due to my illness and with the garnishment it is making it difficult for me to afford the basic necessities. I understand my financial obligation and under no circumstance am I negating my responsibilities.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on this account that in fact was paid on time, as agreed. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached XXXX screenshots on the following dates ( XX/XX/year> & XX/XX/year> ) of my report to this complaint for documentation. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to " Paid on Time '' immediately. Thank you for your cooperation and understanding of this matter.
Consumer complaint received 2024-09-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (TN)

I contacted the XXXX XXXX to report a fraud and that happened on the XXXX and my account was suspended, and yet I didnt unlock my account but there is ultimate fraud happened after that date. Second issue was with cash app and I reported the scam but thy wont provide me with any details regarding those transactions along with my XXXX wallet that was hacked and yet they didnt give me any information about to whom my funds were transferred. Later I reported with my bank region account and they denied my dispute with no explanation or chance to give me any details based on what evidence thy all denied my claim when I did attached all the documents regarding fraud that my money went to XXXX and I have no business there
Consumer complaint received 2016-11-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I purchased a vehicle with capital one on XX/XX/2016 and later on XX/XX/2016 my vehicle was totalled. Since then capital one has received payment from my auto insurance company and my gap insurance company totalling approximately {$22000.00}. And leaving a remaining balance of about {$1800.00}. I no longer have this vehicle and has since purchased another vehicle with another company. The vehicle itself was sold at about {$16000.00} after rebates and the rest was interest making the total loan balance about $ 24k. They have continued to call and email me trying to collect " interest '' on a car I no longer have the ability to drive. I do n't believe what they 're doing is fair or ethical. I spoke with several reps and explained to them that I do n't have the financial means to pay that remaining balance in full or in payments. I am a 9-5 worker living check to check. At this point it has become very stressful. They have received approximately 94 % of the total amount due. I suggested that they consider that amount that they 've received as a settlement or paid in full loan and they refused. I do n't think it 's right for them to be pressuring me about paying " interest '' on a total loss vehicle and threatening to charge it off on my credit report when I made all my payments on time when the vehicle was operable. Please help me in this matter.
Consumer complaint received 2016-12-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NAVY FEDERAL CREDIT UNION (AZ)

CFPB took action against NFCU on debt collection. I 've submitted my claim on NFCU for wrongful charges on a XXXX ( XXXX ) XXXX ( XXXX XXXX promissory notes, but was closed without satisfaction. My husband 's direct deposit to NFCU XXXX since retirement in XXXX, stopped in XXXX XXXX, sued here in AZ in XXXX, collected garnishments over $ XXXX, made an unannounced withdrawal of over $ 4XXXX to pay VISA acct, sale of XXXX here in AZ in XXXX XXXX gain of $ XXXX, but posted to an already closed account -- all raised Red Flags. His account, primary owner, was closed, but mine remains open. I was the XXXX garnished. Question : How is this different from the action taken recently against NFCU and not gained a penny because of the timeframe?
Consumer complaint received 2016-12-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (SC)

Sent my personal information to third party without my approval and havent reached out to me personally about any debt i owe. Its not my debt i paid what was due for cancellation when i cant elled my sercvices but on my credit report it shows that i owe XXXX different collection agency.
Consumer complaint received 2016-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (DC)

My mortgage was sold to Seterus. I received the 15-day notice from Bank XXXX XXXX. In reading the notice it stated that my loan was being transferred XX/XX/XXXX. It stated that I could make my XXXX payment to Bank XXXX if it were a timely payment. I have a 16 day grace period and I was well within it on XXXX XXXX, 2016 and TODAY. I went to transfer funds and discovered that XXXX had removed my mortgage account information. Thus, i have been unable to make my XXXX payment. 

To top that off, I have not received my notice from Seterus as of yet. I proactively called XXXX to obtain Seterus ' information. They gave me the payment address of XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. However, when I went to Seterus ' website, I was given a different address. Thus, I am unsure where to mail the payment. Additionally, XXXX do not accept XXXX. 

I proactively called Seterus to talk with a Representative to obtain my account information to put on my check. I still have not spoken to anyone. I have received circular messaging for several days and i have not gotten a live person the phone. 

On of their messages says to go on line to register to make a payment. I went online to register and make a payment. Their website states that you need your Seterus Loan number to register. Unfortunately, I do not have it because i never received their notice. 

I was planning to XXXX them the payment today XXXX XXXX, 2016. However, I do not have an account number to put on the check. I looked at their other payment options and their fees are very high. All I want to do is pay my mortgage in a timely manner. 

I did a XXXX search on this Company and I am concerned. There are so many negative statements about them and the way they do business. Do I have any recourse? 

My loan with XXXX XXXX XXXX was current as of last month. I am currently injured and unable to put weight on foot. Thus, I am unable to do a lot of running around and handling stressful situations. I have the ability to pay my mortgage, I do not want it to fall in arrears. Please provide guidance on navigating this maze, that I would like to avoid. Is there anyway to go back to XXXX? 

If not how do I get Seterus on the phone to obtain my account information? Additionally, please provide me the applicable authorities for this situation. 

Thank you,
Consumer complaint received 2016-10-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (GA)

In 2015 a fraudulent check was deposited in my Suntrust account, I notified ny local branch manager it was reported to the fraud department. I also filed a police report on Identity theft previously. My Account was overdrawn because of this check. Suntrust prematurely closed the account. Leaving me with a balance I assume. This was reported to collections but I was made aware. Now i have a problem with being in chexsystem with both Regions And Suntrust.
Consumer complaint received 2024-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (IL)

On XX/XX/XXXX shellpoint took money out of my escrow account to pay insurance on my mothers property. My name or social are not on her mortgage and hers are not on my mortgage. Not sure why the took this money out of my escrow as well as hers. They sent XXXX check to XXXX XXXX with the XXXX insurance policy number out of her escrow. And they send a check from my escrow to aaa for the same policy number to XXXX. The check to XXXX XXXX was sent back and cleared XX/XX/XXXX XXXX number is XXXX it was supposed to go back into my mothers escrow to be returned to me to fix my escrow they sent negative. I have spent several hours on the phone trying to fix this. They keep telling us the {$720.00} will be put back into my mothers escrow and sent back to replace and fix THIER mistake. This has to be illegal. They had no business taking money out of my escrow for insurance with a different address. The mailing address are the same but that is it.