davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

I have a home equity line with Wells Fargo Bank and I setup an automatic payment so that they can make these withdrawals on time as well. The bank was unable to withdraw money from my account where I have plenty of money to satisfy the withdrawal and they have charged me all sorts of late fees and this is happening for the second time. I had to get on the phone and explain to them how this is not my fault and I was assessed several late fees which they will not remove from my account. On top of this they keep sending me collection letters with the wrong amounts on them. I need help with this situation. My loan number with Wells Fargo is XXXX
Consumer complaint received 2016-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have some things on my credit report that is not mines. I have XXXX account that is more than 10 years old ( XXXX ). I have disputed before but Experian refuses to review information or delete. I also sent them information from XXXX were they have deleted the info. Experian says they do n't do what other credit companies do and will not review their info.
Consumer complaint received 2015-09-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Direct Capital (AZ)

I am repeatedly getting calls from local number XXXX stating that severe allegations have been attached to my name and ss number and that I have XXXX hours to contact them at XXXX to provide a statement or they will file paperwork with the courts and I will lose all legal rights. They have also contacted my ex fiance. I have attempted to call back XXXX to both the local and toll free number. After several rings it states to leave a message then says that the mailbox is full. No identification of company. I do not owe anyone any money nor have I taken any loans out. I did some research since you are unable to actually speak directly to a person and discovered that this is a company named Direct Capital and they are harrassing numerous people.
Consumer complaint received 2016-05-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NE)

An authorized user account was opened with XXXX XXXX under my name without my permission. I requested that XXXX remove me from the account, which they did, but are still reporting the card as belonging to me on Experian. The account status is closed, but still listed. I disputed this account with Experian, twice, but XXXX times they have refused to remove it.
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

BANK OF AMERICA XXXX
Consumer complaint received 2016-05-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (TX)

On XXXX XXXX, 2016 I submitted a letter to Experian Credit Bureau as to why they were not releasing my credit information to prospective lenders that use their bureau. No reply other than they sent me my credit report. Unfortunately, for some unknown reasons I am unable to get them to remove the credit reporting freeze they have on my account unless I am a member. I feel their actions has created an unjust situation and my credit report should not be held hostage! There should be no need for them to hold this report hostage. 

I even went on their web site in hopes of resolving this as well as calling their landline telephone number by unable to communicate with a human -- only get robotic messages!
Consumer complaint received 2017-01-25
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NY)

Purchased a XXXX XXXX XXXX from XXXX XXXX website - XXXX - for {$10000.00} and never received the vehicle. My sales manager was XXXX XXXX - XXXX|XXXX - I wire transferred the funds from my bank to a Well Fargo Account as per their instructions. When the transport company went to go pick-up the vehicle they advised the XXXX had damaged never advised so they made a decision to refuse the vehicle. I requested a refund and XXXX XXXX declined and advised " ... I agree to take a vehicle that matches my criteria. '' I worked feverishly with XXXX & another salesperson XXXX XXXX and secured a replacement vehicle. It was set for transport and this time XXXX advised XXXX was removed from my account based on agreeing to sell me a XXXX XXXX XXXX for less than the fair market value and requested an additional {$4500.00} for a total of {$14000.00} plus shipping. 
I am requesting a refund of the {$10000.00} I wire transferred as it seems they will continue to request more money on every vehicle I choose. I think this is a scam.
Consumer complaint received 2016-09-10
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Global American Title Agency, Inc. (TX)

I closed on a Mortgage in XXXX of 2015. 
I had questions/concerns about charges on the HUD1 but I was told that a particular charge was a CREDIT to me and NOT a charge. 

After closing I discovered that the closing agent lied to me and yes these were charges instead of a credit to me. I was overcharged and this also caused my mortgage payments to be higher and long term paying more interest on the loan. 
This will also be reported OCC and Dept. of Justice as this may be a common practice by this company. 

I was cheated and I suspect many other consumers were as well Please see the certified letter that I sent to the company WITH NO REPLY and in the phone call months before I sent the letter the same lie was told to me Please see a copy of the letter that I sent to Global American Title and a copy of the HUD1 Settlement Statement that was given to me.
Consumer complaint received 2015-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CO)

My family recently sold our house. The title company wired the exact payoff amount to OCWEN loan servicing LLC on XXXX XXXX. On XXXX XXXX, OCWEN pulled a monthly mortgage payment out of our checking account. When we contacted OCWEN they claimed never to have received the payoff amount even though I had the exact XXXX number with proof the payoff was received by their financial institution. They are now claiming they will look into the payoff and may look into crediting our account within 48-72 hours. Again I have proof they have the payoff funds and that the funds cleared - they are sitting on money and earning interest on that money by wrongfully not crediting us for payments - this should be illegal and something the CFPB should be stopping.
Consumer complaint received 2016-08-02
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (IL)

I took out a 18 months zero percent interest by XXXX name change. I sign loan with XXXX company. They sent loan to Wells Fargo and they set payments low so i could'nt pay off in 18 months. I 'm a senior and did n't realize this. Until 18 months was sent bill i owe XXXX company still XXXX and Wells Fargo XXXX interest. Please help me to understand this. Im just confused. Need Help!
Consumer complaint received 2015-06-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ERC (VA)

Company ( Enhanced Recovery Corporation of XXXX, FL ) filed a collection which turned up on my credit report. The collection is for a debt dating from XXXX 2009, which is past the statute of limitations ( SOL ) for Florida. The company never contacted me via mail or any other method. When I called and pointed out the debt was past the statute of limitations, I was told they could not help me. From the company 's information it appears they assumed the debt after the SOL had past, indicating they knew it was invalid, but were attempting to collect regardless.
Consumer complaint received 2015-04-01
Product: Credit card — 
Issue: Other — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA did not follow procedures when they processed and disbursed convenience checks on a credit card individual account I had where my ex-wife forged my signature and took money from there causing a balance. For the past year I have been in contact with USAA calling and going to the branch.I started the process to buy a house with my now wife and realized they credit account still showed a balance. I went several times to USAA since.I requested the convenience checks that showed my ex-wife handwriting. She NEVER had a power of attorney or authorization to use that account. My ex-wife was hiding all this even from the court during the divorce and custody and diverted the correspondence so I did not find out about this. This person committed tax evasion as well and I have proof of that plus other things she did where she forged my signature and used my social security without authorization. I informed USAA of the issue and suddenly in XXXX I receive a cancelation of debt ( form XXXX ) from USAA stating that shows the balanced owed as canceled. They are still reporting to the credit bureaus a balance on the account.I went with my now wife to USAA and was connected with their call center to request a letter that states the balance is cero in the account due to the cancelation of debt. The representative stated that they indeed sent a cancelation of debt but technically I still owe the money. I told them there is no way I can still owe something they have written off for the fraud they allowed when my ex-wife forged my signature and in their notes is like that. They are trying to claim a lost and also keep me in their books like I still owe what they have canceled. I believe that is also fraud!
Consumer complaint received 2016-08-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (NC)

Hello, On XXXX XXXX, 2016 I had approximately {$9.00} in my checking account. On XXXX XXXX an overdraft fee of {$36.00} dollars was charged to my account. On XXXX XXXX there was a scheduled insurance payment to come out of my account to the tune of {$140.00}, this draft did not come out of my account on XXXX XXXX but instead came out on XXXX XXXX when my direct deposit came in.On XXXX XXXX I had a direct deposit of {$720.00} come in at or around XXXX. The bank processed the automatic draft first and than the direct deposit credit after resulting in an overdraft fee. When I went to talk to the bank about this they denied me a refund for the overdraft fee and recommended that I better manage my finances and bill payments. I would recommend that they process the credits to my accounts first before the debits to avoid unnecessary fees. We are a hard working family of XXXX and do our best to make ends meet and can not afford {$36.00} this month due to bills. Any help in this matter will be greatly appreciated and we thank you for your time.
Consumer complaint received 2015-12-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (CA)

Hunter Watrfield claims to be collecting on behalf of XXXX some rental company which I never had business with. My numerous attempts to resolve the matter with them went ignored. I requested debt validation in accordance with FCRA rules and regulations and they failed to proof validity or ownership of this debt. However they are still reporting this on my credit report which is damaging my credit rating to an extend. I request they DELETE this collection from my report and STOP their harassing collection efforts once and for all!
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IN)

My soon to be XXXX XXXX XXXX mother has been trying to submit her application to Ocwen for seven months. She has resubmitted information five times. Each time she is scheduled for a phone interview Ocwen representatives tell her she has not complied with some part of their paperwork process. Her information has been reviewed prior to sending, and is correct, yet each time, the representatives say that they are not saying she didn n't send it, just that they did not receive it. Her initial application was XXXX of 2016. She has been told that she now has to redo the complete application because she is outside of the 90 day time frame. Ocwen is stating they reviewed the case on the XXXX day and that she is missing the same information she already provided. They are stating she must start over. She began the process due to illness and being off work. She is behind on her mortgage, but has not stopped paying.
Consumer complaint received 2016-10-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Non authorized charges to my checking account using my debit card number. Called same day the charges happened and said will be two days to get the charges reversed. Fraud department has not called me and when I call in can not talk them directly always get will call you. Three days have gone by with no emails or phone calls. The money in my account was there to pay mortgage and electric which I did online before this happened. Have not heard from them yet. Do n't understand how the charges went thru with out any questions being from an Airline overseas.
Consumer complaint received 2016-09-24
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

XXXX I write checks to many companies. My bank is Citizens Bank. XXXX XXXX company deposited checks XX/XX/XXXX. They scan and deposit like many companies. Somehow by mistake, XXXX XXXX redeposited XXXX of the checks from XX/XX/XXXX physically through teller. My bank cleared it again. When I call to clearify what has happened, one of their supervisor told me they do not have system to stop this yet. They will refund my account 24 to 48 hrs. Thats not my problem. My problem is that big banks does not have this fail safe system set up to stop such a happenings, it is literally scary. So anyone or any company could redeposit checks that is already scan for deposit it will get clear and they will have double the fund and consumer will be out of money for the time until bank or somenone catches it. If someone wanted to fraud you, they could redeposit scanned check and run with it. Citizens Bank supervisor told me, not only their bank but other banks do not have that system. Now this is really scary to consumer like me. Big banks should have thought about this when they did photo image depositing. What were they thinking?!. Honor system. This is my problem and it should be with others too.
Consumer complaint received 2015-03-25
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Advance America, Cash Advance Centers, Inc. (KS)

A man named XXXX said that he was a legal courier for XXXX and XXXX XXXX and he was going to attempt to deliver legal papers to my door and place of employment he left me a number to call to stop this effort XXXX when I called that number I spoke to a man name was undisclosed he had the last XXXX of my social security number he did not read me the mini Miranda when I asked him if the call was recorded he said we do not record our calls mop also informed me that I am not being sued and his company 's name is XXXX processing I told him that I will not be paying this debt because I have not had any contact via mail and to many scam agencies out there
Consumer complaint received 2015-06-17
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (MD)

I attempted to make the minimum payment to my credit card company. Somehow the payment was entered as the entire statement balance which I can not afford and will cause severe financial problems for my family. I contacted the credit card company immediately when I read the confirmation email to stop the payment. The representative was extremely rude and unhelpful saying that there is no way the website could have an error and there is no way for them to stop the payment. I called back later and spoke with someone more polite who said there is no way to stop the payment and it 's in the disclosure - the teeny tiny print that no one looks at. I honestly thought I clicked minimum payment and can not believe that they wo n't reverse the charge. I 'm current and was even paying a week ahead of time. I called my bank to stop payment on the American Express payment and they will for XXXX bucks but it could happen after Amex charges me and then I am stuck with the massive charge that will cause my car loan, electric bill, gas bill, other credit card payment, water bill, car insurance, etc to all find insufficient funds in my bank account and I 'll no doubt get a {$35.00} fee for each instance that I can not afford to pay. I am absolutely dumbfounded that Amex ca n't work with me when a mistake was made and the result will be a financial nightmare for XXXX of their customers.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

When the equifax security breach was made public, I logged into their website and requested the credit protection they were offering, not knowing that I was giving up my rights to take legal action. When I signed in, it indicated that I was at risk. I would like to rescind my agreement to the credit protection so that I have the right to take action if necessary.The Equifax website makes it almost impossible to submit a request such as this. With all of the inquiries to Equifax, their wait times are horrible. I have since frozen my credit reports for all 3 agencies. 

XXXX XXXX
Consumer complaint received 2017-01-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IL)

The first thing was that I informed that I would have partial modification for my mortgage. However when I took my taxes in last year they informed me that they gave me a full modification. Secondly my escrow and taxes for my house went up almost two hundreds. They informed me that this was an estimate for the house for they next year. Two year ago I over paid in my taxes instead of them given me options that made the choice for me which I did not understand why did they asked me I would had put for payment. I can not trust them because I have not seemed the changes in the amount for the outstanding amount. It is always the same I know I have reduced the amount. I have been paying on this house for at least 15 years and they still saying that I old XXXX on this house. This house is not even worth that much. At not time have they as if I was a service man Finally I thought when you getting a modification that you do n't pay they tell me to keep paying until it is final.
Consumer complaint received 2016-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NH)

As a mortgagor to XXXX XXXX Bank XXXX XXXX XXXX, serviced by Ocwen Loan Servicing , LLC, I suffered a substantial loss in income in mid XXXX and applied for a loan modification. Ocwen referred me XXXX XXXX and I paid it {$3000.00} to assist me in the loan modification process. My modification was approved XXXX XXXX, XXXX, and I made my XXXX timely trial payments of {$990.00} and thereafter XXXX more timely payments, when on XXXX XXXX, XXXX, Ocwen refused that monthly payment and indicated that the loan was cancelled. It told me that Ocwen had failed to provide a modification document to me and because it did not have it the loan modification was cancelled and claims that I must redo the loan modification process. If it failed to provided necessary paperwork. Why am I being penalized for its mistake? Further, Ocwen is reporting payments as not being timely made, when in fact, all loan modification payments were timely made until it refused the XXXX payment. It refuses to provide me with the information I need or the document that needed to be signed and is wrongly reporting to the CRA 's that I was tardy with my payments, even though I made each payment timely.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (TX)

Experian will not listen to your side of the story because you dont certify it to Experian. But I do certify that Experian should not push the same credit card over and over again at consumers when they are looking to improve their credit.
Consumer complaint received 2016-12-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (FL)

I left a bank account open with {$10.00} in it with Wells Fargo in XXXX of XXXX. Wells Fargo assessed fees of - {$25.00} as the balance went just below {$0.00} and closed the account with a negative balance of around ( {$25.00} ). Since then, the debt was sold off to multiple owners. I tried to trace it in XXXX. I came down to the " newest '' company who owned the debt and after calling them 5 times, they were unable to locate who they sold the debt to. Since then, I left it alone and I have n't heard anything since then. Yesterday I received this voicemail on my cell phone from an unknown number. She left a voicemail saying, " Hi, XXXX XXXX. Now my name is XXXX XXXX and I 'm just giving you a call regarding documents I received in my office under your name. Now I do need you to be advised that I have a request to place you on my schedule for delivery for tomorrow afternoon, the XXXX in between noon and XXXX. Now I will be heading out to your home or your place of employment at that time so make sure that you do have a valid photo ID for signing. Now if you do have any questions regarding the documents you will need to contact the sender directly since they are marked as sealed and confidential, I just deliver them, but that phone number is XXXX and then also your file number is XXXX XXXX. If by chance you resolve whatever issue it is you have with that office, just have them issue a stop order. If they do not issue that out, I will see you tomorrow afternoon. '' I called the number yesterday. They told me I had a case and accused me of some crazy thing with Wells Fargo and I stopped him right there and said, " listen. I checked my county records and there is nothing filed in the clerk of courts with my name on it. So if you truly were delivering me papers tomorrow, you would have legally already had to have filed them in my county and you have n't so it sounds to me like this is a scam and I will be reporting you ''. He then got defensive and I said, " It 's too bad you are choosing to do this in XXXX - I hope you do n't ruin anyone 's XXXX by trying to XXXX them '' and he hung up on me. We shall see if I actually get anything delivered to me.