davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-13
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: McCullough Payne & Haan, LLC (GA)

I applied for a XXXX XXXX XXXX Credit Card in 2004. I had a {$2500.00} limit. I was laid off and also was in a motorcycle accident and could n't work. I could not afford to make payments. XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX. I never knew I had a judgment on my credit report until they contacted my employer to garnish my wages 6+ years after the judgment was filed. McCullough, Payne & Haan, LLC is now handling the collection. The {$2500.00} now is over {$12000.00}. I have the judgment, garnishment paperwork, and a fact sheet to attach for a better understanding of what has taken place.
Consumer complaint received 2015-08-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Investment Retrievers, Inc. (MD)

my car was repossessed while i was in forbearance with XXXX. this should not have happened the car was almost paid off the loan amount was orginally for XXXX and i paid it down to XXXX ( XXXX payments left ). i lost my job while pregnant and notified XXXX immediately. no repossession fees and interest fees from 2013 have been added and are in collection on my credit report as if its a new debt. this isnt owed and it is unfair.
Consumer complaint received 2016-07-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BYL Collection Services (DE)

Recently I had my credit checked out to see if I was eligible for a car loan to my surprise I came to find out i have XXXX outstanding medical bills this being one, they do not belong to me since I was never notified the existence of such bills. As you know these bills affect my credit score and my chance of moving forward.
Consumer complaint received 2016-10-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (VA)

I had just gotten out of credit counseling about over a year ago. I went into a Wells Fargo location inquiring about my checking account. The banker I worked with signed myself up for a line of credit of {$3000.00} & a credit card of {$5000.00}. My house was up for sale & I needed to get out in order for the new resident to get in. He told me to go ahead & accept the offer for the extra money & stated it could get paid off once my house sold & I would n't get charged for it until then. Which was falsified. They have charged me for borrowing {$3000.00} when I only used {$2000.00}. They have also not just once but twice withdrawn money from my checking account without my knowledge. The first time they withdrew the whole amount owed which at the time I only had my social security in my checking account. They put it back in because they found out it was done wrongly. This second time is still ongoing as they sent a letter stating they were taking {$790.00} dated XX/XX/XXXX & I did n't receive the letter until XX/XX/XXXX which they had already withdrawn my social security yet again. They are refusing to put it back. The banker also stated he was going to send my papers but has n't sent them & that was almost two years ago. I should n't have been pressured into this as I had just gotten out of counseling but they forced it on myself.
Consumer complaint received 2024-08-19
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. (FL)

I Review my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Account Name : XXXXXXXX XXXX ) ( Account Number : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2016-10-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

XX/XX/XXXX I refinanced my mortgage with XXXX XXXX who sold my mortgage to Wells Fargo Home Loans. My first payment was due XX/XX/2015. Prior to me refinancing my mortgage, I was on a bi-monthly plan where I was reducing my interest substancially. I decided to continue with the 13 month, bi-monthly mortgage payment. XX/XX/2015 ; I made two monthly payments and subquently XX/XX/XXXX onward I started bi-monthly mortgage payments. After a several months, I received notices from Wells Fargo that I was late in my mortgage payments and I late payments accurred to my account. I called and was to the late payments would be removed and my payments would be adjusted. Another monthly went by and they kept marking my payments as unapplied and charging me a late fee. I called again and was told that I could not do bi-monthly payments on my own. Also, if I wanted to do the bi-monthly payment program to reduce my mortgage balance ; I would have to join Wells Fargo bi-monthly program. So I did to eliminate the problem of late fees and having my payments sit in unapplied funds. After five months of being in the accelerate program ; Wells Fargo has been withdrawing from my checking account and are not applying my payments according to a 13 month accelerated program. They offer a program however they are not enforcing a program they offer and I not reducing my interest and balance according to how an accelerated program should work. I 've participated in a mortgage accelerated program for the last 14 years therefore ; I am aware how it works.
Consumer complaint received 2017-01-31
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

On XXXX/XXXX/17 we submitted a loan modification package to the lender for review - we were advised on XXXX/XXXX/17 that the file was denied review or approval due to the loan being 38 months passed due - was advised by the lender that due to FHA guidelines they were unable to review the file because of the delinquency and being 3 years passed due. I was transferred to the re-entry team, manager - XXXX, he advised that they are going off of the re-entry teams decision on the loan not being eligible for a review due to being more than 3 years passed due. Advised mgr no where in the FHA guidelines does it state that a loan would not be eligible for a loan mod if passed due for more than 3 years.
Consumer complaint received 2015-07-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Linebarger Goggan Blair & Sampson LLP (CA)

My company filed for chapter XXXX bankruptcy XXXX 2013 and listed the City XXXX as a debtor. A law firm contacted my in about XXXX of 2013 telling me that I owed a debt to the City XXXX for an unpaid business license for 2013 for a company that was closed at the time the payment was due. We had previously closed the company on the City 's business web site. 

At this time I told them in writing of the chapter XXXX filing and asked them to cease and desist all further attempts to collect the debt that was included in the bankruptcy. 

I never heard from them again until a few weeks ago when the same law firm sent me another demand letter for payment even though the debt was included in the bankruptcy filing and discharged.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I would like to give you my opinion after 2+ years of experience in contact with Wells Fargo Customer service about the same issue that never resolved yet.

This complaint is about THE WELLS FARGO CUSTOMER SERVICE.

I was told in writing buy Wells Fargo So calle
d ECMO ( EXECUTIVE COMPLAINT MANAGEMENT OFFICE ) that Wells Fargo has no email or website for online complaints and has no managers or supervisors. Customers like me find no REAL Wells Fargo site to complain but here. So here we are. 
Wells Fargo has no real customer service like before anymore, Wells Fargo seems to have a contract with a company called ECMO. ( EXECUTIVE COMPLAINT MANAGEMENT OFFICE ) which IS NOT Wells Fargo Bank, to answer the complaints of the customers without any supervision or management by Wells Fargo.

The employees of this company ENTERPRISE COMPLAINTS MANAGEMENT OFFICE are called ECMOs. They are working from the comfort of their homes without any supervision and their computers are unsecured by Wells Fargo which make it UNSAFE for the customer 's information, anyone who has access to their homes will have access to their computers and then will have access to our accounts.

Those ECMOs do not seems to be able to investigate the complaints and not able to provide resolution, all thy can do is copy and paste standard answers and deliver it to the customers with an apology that is not worse the paper that they print on it.

Those ECMOs makes it more interesting when they send you an answer for someone else 's complaint or when they sound drunk or sleepy in their answers. And I do not thing a professional people are answering the complaints, The responses to the complaints seem to have been answered by their family or friends or anyone else but not by professional bankers.

DOES ANY ONE TRUST THAT HIS BANK ACCOUNTS TO BE SCATTERED IN THE EMPLOYEE 'S RESIDENTS ALL OVER THE WORLD? 
What do you expect from this bank who does not even have an email address for their customer service in this 21th Century!

Bottom line, It seems that Wells Fargo DOES NOT have customer service department, they have a subcontractor, it seems Wells Fargo is going down soon, and the Wells Fargo management knows it, this is why they are not putting any effort in managing Wells Fargo, they are letting it go bankrupt
Consumer complaint received 2024-08-19
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. (FL)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account Name : XXXX Account XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2016-09-19
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC (TX)

I recently submitted a complaint ( REF # XXXX ) requesting Planet Home Lending to modify the date on my foreclosure to reflect the CORRECT DATE OF XXXX XXXX, XXXX. Instead of changing the INCORRECT DATE of XXXX XXXX, they changed it to another INCORRECT DATE of XXXX XXXX. Due to this, my wife and I are unable to get pre-approved for a home loan and we are supposed to close on XXXX XXXX, XXXX. While we appreciate some sort of action was taken to remedy the aforementioned complaint reference number, it was not the correct action. We submitted the substitute trustee deed showing that the CORRECT DATE IS XXXX XXXX, XXXX. PLEASE REFERENCE THIS ATTACHMENT.
Consumer complaint received 2015-12-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC (WA)

I have been getting calls about a debt that is not mine. I just checked my credit report and found GC Services on it with an address of XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX and a debt of {$140.00} turned over on XXXX/XXXX/15 ... interesting because I filed bankruptcy in XXXX, 2015. I think they are trying to collect for XXXX, but I have not been with XXXX in well over a year and do not owe them anything. The account listed on the credit report is shown as XXXX ... .I have no idea what the last XXXX numbers are. Nothing has ever been mailed to me so I really have no idea what this debt is for ... and I do not answer unknown phone numbers on my phone unless they leave me a voicemail telling me exactly who they are and what they want ... I am on a do not call list! I read on the internet review after review of how this company is a scam and I want them to pull off my credit report totally what they put on XXXX/XXXX/15 or I will send my bankruptcy lawyer their way. I do not owe this lousy {$140.00} no matter where they say it is coming from! Why is this scam company still allowed to do business when they harass people innocent people all the time? Shut them down!
Consumer complaint received 2016-02-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (SC)

I am a mortgagee with Nationstar - # XXXX - Nationstar is reporting a defered amount as past due - this is not the agreement I signed at modification - Their website lists the amount due correctly - however to the XXXX credit bureaus - they have reported this incorrectly for more than 6 months - I have repeatedly asked this be corrected and have had temporary corrections that reappear the next months - This is an extreme impact on my credit history - Secondly, I do not understand the Defered amount - I have had my mortgage for 8 years, have never borrowed additional money and owe $ XXXX more today that on the original date - This is a fixed rate - I have repeatedly asked for an amortization or invoice to show the payments and balance - but this remains unanswered - This modification was done - during my XXXX and I do not understand what they have done - Could this be a predatory modification? I have no idea - simply want details -
Consumer complaint received 2023-08-29
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (NV)

XX/XX/XXXX- XX/XX/XXXX Card not received. I submitted a claim and sent police report but the rendered the decision before the were able to use the police report for consideration. They told me to wait on a questionnaire and I have 10 business days to respond. I sent it in on the 9 business day and they already made the decision XXXX - XXXX Claim XXXX claim Claim XXXX
Consumer complaint received 2016-09-14
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE (CA)

This call is a attempt to collect a debt which i do n't owe, I wrote 2 letters asking for contract bearing my signature, which they did not provide.claim demands monies for an alleged debt for which no proof of said debt, nor proof of ownership of said debt, has been verified and exhibited.According to the Fair Credit Reporting Act section 609 ( A ) ( 1 ) ( A ) the credit bureaus have to get physical verification of the original consumer contract for any and all accounts they post on a credit report. ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT )
Consumer complaint received 2023-08-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE (AL)

I was frauded by someone posing as a professor at my university offering a remote work position by spoofing and redirecting his email. I was emailed a check for {$2500.00} on XX/XX/XXXX and cashed it on my phone into my Charles Schwab Bank account on XX/XX/XXXX. I was told to send {$710.00} for my supplies to a XXXX account under the name of XXXX XXXX, which shows up on my bank history as XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the check I initially cashed on XX/XX/XXXX was returned and the amount was taken out of my account. I initiated a dispute with my bank on the XX/XX/XXXX and received notification from the bank that the funds could not be recovered on XX/XX/XXXX.
Consumer complaint received 2016-10-11
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX 2016 I applied for a deferment on my loan and I was advised to pay {$420.00}, which is XXXX payment plus a {$25.00} deferment fee. I made the payment as advised and called in and a consent to the deferment form was faxed to the XXXX Branch where I was to sign the form and fax it back. I did as I was instructed. Later in the month of XXXX I filed for Bankruptcy so there after statements were delayed and not reflected correctly. After my Bankruptcy was completed I reviewed my statement to make sure all adjustments were properly made and I found that my account reflected past due. I called in and was transferred by numerous representatives until I got XXXX who was trying to correct the issue. He advised me my deferment fee had been applied to late charges instead of the deferment. He also advised me he will reprocess the deferment and take care of any negative credit reporting I may have received and to call my account representative to correct any late fees that may have been applied, I schedule a payment with him for XXXX/XXXX/16. He advised me that I had to sign another form and it will come by email within 48 hours. I received the form and emailed it back to XXXXXXXXXXXX twice. Friday XXXX/XXXX/16 & Saturday XXXX/XXXX/16 I received calls from the collections department. I called back but it was after hours then I called again on XXXX/XXXX/16 and I was advised by collections they could n't help me and transferred me to customer service. I asked to be warm transferred but she just dropped the call anyways. I spoke to a guy in customer service and he advised me I would have to start over and pay another fee. I told him that 's not right I paid my fee and did what I was asked and that I 'm not paying another fee. The guy said well he could not help me and went on to transfer me to my account manager again I was not warm transferred and not provided with a name or extension, I was just dropped on a line that asked me for an extension I did not have. I would like my late fee refunded, interest adjusted and payments reapplied if necessary, credit adjusted if necessary and deferment processed.
Consumer complaint received 2016-08-09
Product: Credit card — 
Issue: Cash advance fee — 
Company: WELLS FARGO & COMPANY (IA)

Account PLATINUM CARD XXXX Transaction Date XXXX/XXXX/2016 Posting Date XXXX/XXXX/2016 Description CASH ADVANCE FEE & lt ; REFERENCE XXXX & gt ; Amount {$52.00} Company 's website will not allow consumer to dispute fees and also refuses to remove fees from phone call as well. Attached form shows that the website errors out and does not even allow consumers to even raise a concern effectively blocking them from a dispute of a charge.
Consumer complaint received 2016-09-20
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (WI)

My husband and I have had a Wells Fargo Equity Line for {$35000.00} that we got XX/XX/XXXX. We mostly only paid the interest and racked up to {$35000.00} on it. It is past the 10 years and it was closed XX/XX/XXXX when we tried to refinance our home with Wells Fargo but that loan was denied by them. We still have been making interest payments with a annual financial rate of 6.35 % along with credit insurance. Due to limited funds, it is hard to make payments more than that. We recently talked with Wells Fargo trying to refinance and open another line of equity credit for the balance of {$34000.00} because that was the only way to lower the interest and change the time frame of the loan from 30 to 10/15 years. We were denied due to lack of liquid assets. Please help with verbiage in talking with Wells Fargo and what other options we have to get this loan paid off. Please let us now if you have other questions and advice. We currently have our Home Mortgage with XXXX XXXX XXXX.
Consumer complaint received 2017-01-29
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/2017 I attempted to pay health insurance premiums online for myself and my daughter. After the transaction was declined I contacted Wells Fargo and discovered that they had arbitrarily set a {$2000.00} spending limit on my debit card. The initial representative I spoke with offered to increase my limit to {$3000.00}. She then informed me that her request was denied by " the system. '' When I asked why I was unable to get access to the money in my account I was told by the Wells Fargo representative that it was for my own protection. My identity had been verified by the representative so I am wondering from whom I am being protected, myself?? I also spoke with a " customer care '' representative named XXXX. She basically repeated the same thing I was told by the first representative. Given that I was facing a deadline for purchasing insurance I was extremely frustrated and asked what recourse I had. I was told I could go into a bank the next day and ask for an increase or give the insurance company my account and routing number. Time was of the essence so going to the bank the next day was not a viable option nor was providing my account information to the insurance company because there was no mechanism to do so. I asked what recourse I have as an unsatisfied customer. I was told I could get a complaint number ( which I did ), that the complaint would be taken into consideration when policy discussions were held, but there was no guarantee that anything would change in the future and no further follow-up would happen unless I followed up myself.
Consumer complaint received 2017-02-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: ERC (NJ)

I just check my credit report- As I do almost weekly- Apparently I have a XXXX account opened in XX/XX/XXXX under the married name for my ex-husband- Apparently this account went into collection in XX/XX/XXXX I never received a statement from XXXX or any collection- My credit report shows a balance of {$180.00} from XXXX. If either XXXX or ERC in XXXX, Florida- If they had send me a bill prior to my divorce in XX/XX/XXXX I would address this issue and had my ex-husband paid this bill.