davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-11
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Advance America, Cash Advance Centers, Inc. (CA)

Here is the email I got from Cash Advance collectionfrom XXXX XXXXXXXXXXXX & gt ; Find Your Warrant Copy : XXXX which will be going to release on Monday evening XXXXThis is the XXXX final chance for you. 



This Legal Proceedings issued on your Docket Number XXXX with XXXX of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 

This is the XXXX final chance for you. 
This Legal Proceedings issued on your Docket Number XXXX with XXXX of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 



CASE NO : # XXXXAmount Outstanding $ XXXXWe have sent you this warning notification about legal proceedings of XXXX XXXX, 2014 but you failed to respond on time now it 's high time if you failed to respond in next 4 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished. 



Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.
Consumer complaint received 2017-02-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

submitted my file for loan modification review in XX/XX/2016 with Bayview Loan Servicing. I have sent my documents and have contacted my Relationship Manager and have received no response. I am working with a XXXX company XXXX who also contacted Bayview on my behalf only to be advised they have not received a Third Party Authorization which has been sent on numerous occasions. I have a sale date and I called my Relationship Manager to see if the sale date was postponed to allow time for the modification review however received no response. Please help. XXXX
Consumer complaint received 2016-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC. (MN)

My mortgage was sold to Arvest Central Mortgage Company XXXX, AR XXXX. This mortgage company will charge me for every payment I make on line via direct payment a {$5.00} fee. They will not charge this fee if I set up auto payments every month. The issue is every month I like to pay additional principal, and some months more and some months a little less. Well in order to do this I am charged a {$5.00} fee pre transaction? No company that take direct payment on line does this, not the phone company, power company or credit card companies, nor my last mortgage company. They will also wave the fee if I pay by check and use a coupon book. I feel this fee is an overreach of trying to keep me from paying additional principal in the amount I would like, by charging me a fee to do so.
Consumer complaint received 2015-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BROKER SOLUTIONS, INC. (OR)

This is now the XXXX complain I am having to file in an attempt to collect escrow monies from this Company. Our house burned down XXXX/XXXX/14 an insurance settlement was issued to myself and my husband and as we had a loan on the property the funds were forwarded to our mortgage company to be held in escrow for repairs. The house was completed the end of XXXX. We refinanced the house to another mortgage company on XXXX and the loan at new american funding was paid off XXXX. We still hand funds in the escrow account and I spent over an hour trying to get them to send me a check. I was told that unless I sent them the final bill from our contractor the file would not be complete and it would likely be denied. I asked them why they felt they needed that information given my loan with new american was paid off. They were unable to answer this. I then received a check on XXXX payable to myself and a company Called XXXX XXXX. I have never done business with said company. This check is useless to me, I can not get an endorsement from a company I have not worked with. But most troubling to me is all other checks have been issued to me and there is no reason to add anyone else 's name to this check.There are no liens or judgement that would require this. Wether I have or have not paid my builder is of no bearing to New American as my loan is paid off. I am so disgusted that I have to continue to fight and spend hours of my time to simply get funds that are mine. Not that it matters but as of XXXX the builder had been paid in full.
Consumer complaint received 2016-11-02
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Real Time Group, Inc. (OR)

I have received multiple phone calls and one letter from Real Time Resolutions attempting to collect an old credit card debt from approximately 14 years ago. The statute of limitations in the state of Oregon is ten years. They continue to run my credit score affecting it. Despite a few attempts to explain to them that they are in violation of Oregon law they persist in their illegal harassment.
Consumer complaint received 2017-03-16
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WINN LAW GROUP, APC (CA)

I had a debt with XXXX credit card. XXXX charged off the debt a third party debt collector picked up the debt and sued me in court recieving a judgement against me. I live in the state of california, the law here states a third party debt collector can not sue a person in a court of law, they may contact the individule and try to collect but they may not take them to court. Also this third party debt collector sued me in court after the statute of limitations ran. They keep harassing me with letters saying they have a judgement and they are going into my bank account or worse. This Winn Law group must be stopped with such illegal practices. Please help me to get these people off my back and stop them from further harrassment.
Consumer complaint received 2023-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Dave Operating, LLC (VA)

On XX/XX/XXXX recieved insurance settlement of {$5000.00} dollars it was digitally put into the XXXX account i then tried to cash out the funds to my Dave banking card with a XXXX $ fee from XXXX for a instant deposit so XXXX was supposed to deposit on the Dave card I checked the app refreshed it for hours no money appeared. I contacted the bank they said they reversed the transaction and they didnt have it. After waiting 1-3 business days the money does not appear on XXXX I called Dave back they said oh the money deposited but it has a merchant hold. Sent me emails to verify myself which I did multiple times. I didnt even see the transaction of the XXXX deposit in the Dave account until Tuesday XX/XX/XXXX when I know I deposited the money way before that but they also said they didnt receive my payment at first ethier. Then they close my account and say a check will be sent once I verify myself once again which I did on the phone and via email. Dave has been running me in circles about my refund for weeks now and hanging up when I ask to speak to a higher representative or ask them to locate my funds. Im tired of it and just want my money back that does not belong to them.
Consumer complaint received 2016-02-19
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (OH)

I have had trouble with my Sams Club Mastercard, through Synchrony Bank, since Sams Club switched to it XX/XX/XXXX. I have used it at my local Walmart XX/XX/XXXX, and it was denied, I have tried using it when I traveled for work XX/XX/XXXX in XXXX it was denied, even though I contacted them through email to notify them of my travels. 

I filed a complaint with your office XX/XX/XXXX. 
I used it in XX/XX/XXXX, on a trip to Florida, after having notified them of my travels. I used it in a grocery store and was told of " suspicious '' activity, and they froze my account. 

This was the last straw, and I decided to not use this card anymore. 

As of XX/XX/XXXX my current " reward balance '' is {$240.00}. This amount should have been mailed to me by XX/XX/XXXX ... .I have not received it. 

This morning I talked to XXXX ( last name unknown ), from Synchrony Bank and tried to find out why I have n't received my money. He pretty much gave me the run around. I just would like to receive my {$240.00} and be done with this company. 

This company has been a thorn in my side, and I think their service is deplorable! 

I would appreciate any help in this matter that you could give me. 

Thank You
Consumer complaint received 2016-04-04
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: American Professional Collections (CA)

I have cosined my cosin for rental apartment as of XXXX/XXXX/XXXX with 12 month lease ended on XXXX/XXXX/XXXX. He committed to pay his rent for the whole period, for unreasonable rental increase he was late to pay his XXXX XXXX rent on time and after he tries to give them the check the refused it and send him attorney eviction notice. 
As of XXXX/XXXX/XXXX I have visited them with new comer to get rental apartment and paid XXXX dollars as primary deposit, but this person changed his mind. 
Hardly they gave me the {$150.00}, but next day they open this collection against me for the amount of {$3900.00}. 
When I called the collection office the lady told me that you are still liable for month to month lease while there is no agreement has issued between them and my cosin, and she also told me they tried to reach my cosin 9 times with no respond. 
He called her today and asked her to remove the collection from my side while that is illegal action for the life time contract and start reschedule payment with him, but she still want keep it on mine. 
Please help me out my name is XXXX XXXX
Consumer complaint received 2015-06-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

Over 7 years ago I used GE Money bank to buy glasses from Lenscrafters. This company repeatedly knocked me out of direct withdrawal resulting in late payment charges. I have documentation that shows I repeatedly called and took care of the situation and how much I paid over time on the account. I called to pay off what I showed to be about XXXX. They told me I still owed over XXXX. I disputed the amount, asked to speak to supervisors and requested payment history. All was repeatedly refused. After sending to collections multiple times I have tried to settle for the amount of XXXX that I knew I owed. Repeatedly it has been refused. Collectors are constantly reselling the debt and I have stopped asking for evidence of debt because it is always the same answer, " It was not our debt, we just bought it and we do not have any of that information. '' Since there has been no action on this account for over 2 years should n't it be charged off by now?
Consumer complaint received 2016-01-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I have been paying my mortgage and XXXX ( Balloon ) for 10 years without late payments. From almost the time of acquisition of the property it was under water ( purchased in XXXX XXXX ). the lender on both the XXXX and XXXX mortgage is the same, Wells Fargo. I tried to get a HARP about 7 years ago to refinance, but Wells Fargo declined me, since they said the LTV/CLTV was above XXXX percent. 
The XXXX on my home has a balloon payment that became due in XXXX XXXX. Prior to that I tried to refi and WellsFargo said I did not qualify, and then sent me to another XXXX of their programs and they said I did not qualify and it was not a hardship. So, I called to speak with a supervisor in the loan center since I did not understand why making a payment of $ XXXX plus all at once was not a hardship, and she said since I could take money from my retirement account to pay the loan. Is this the same bank that received a bailout from the Federal Government based on the taxes that I pay? 
For the last 10 years I have been paying on a loan where the XXXX was in excess of XXXX % ; I have made my payments diligently and on-time to Wells Fargo. Now, they are refusing to extend the terms of the loan, so I can continue to make payments and keep my home. This type of loan with a Balloon Payment has been outlawed by the Consumer Financial Protection Bureau ( CFPB ) since XX/XX/XXXX as documented in the Truth-in-Lending Act and Regulation Z relating to a Qualified Mortgage ( QM ) and the Ability to Repay ( ATR ) except for small creditors. Both the first and second mortgages were financed by Wells Fargo at the time of purchase and to-date, Wells Fargo is the creditor of these loans. 
I have been treated unfairly, and this is a game with the bank where they make you jump over many hoops to provide lots of paperwork and run the clock out so the consumer is left holding the bag, with a mortgage default and bad credit. So the bank can turn around and sell the property in a bidding war.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-02-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (NY)

While reviewing my XXXX credit report, I noticed an unauthorized and fraudulent inquiry by SYNCB on XXXX/XXXX/2016. I did not authorize any employee of this corporation to review my report for any purpose at any time. Further, I personally contacted SYNCB to delete this adverse information and for all intent and purpose, to provide me with any signed documents authorizing them to review my report within 5 business days, SYNCB has failed to do so in clear violation of my civil rights under FCRA and Privacy Rights Acts. To that extent, I have continued to suffer irreparable economic loss, including but not limited to my inability to securing meaningful employment, housing and/or obtain new credits.
Consumer complaint received 2015-05-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (PA)

My car was total due to a car accident on XXXX/XXXX/2015 and my insurance company sent a check to the finance compy. I was told that I did not owe anything on my loan that the check paid off the loan..now they are requesting me to pay XXXX to pay the loan off. I chatted with a rep online who advised me that my balance before the insurance sent them a check was {$4500.00} and the payment sent in from the insurance compy on XXXX/XXXX/15 was {$4400.00}. That leaves me a balance of $ XXXX..yet they want me to pay {$490.00}. I refuse to pay this amount because I think that they are overcharging me. When I look at my account online I do not see any payment for {$4400.00}. The online chat person stated that they applied the payments to my loan in XXXX separate payments totalling the amount of {$4400.00} and typically the payment is applied to interest, principal, and then fees. So I asked him what is the balance of {$490.00} is for? Was it for fees? He stated that there are no fees associated with my account. So why am I having to pay {$490.00} instead of the {$120.00} that should be left on my loan. Please help me since this affecting my credit. I am a senior citizen, XXXX woman and I think that this finance company is not applying my payments correctly. Thank you.
Consumer complaint received 2016-01-29
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Oracle Financial Group LLC. (FL)

My daughter received a phone call today from a XXXX XXXX, Oracle Financial XXXX ext. XXXX, stating he was looking for my other daughter, the alleged debtor. He disclosed how much the debt was, where it originated from and made threatening comments such as : " We are going to seize her tax refund '' " We are investigating her for criminal fraud '' " We know where she lives and are sending someone to serve her '' " We know where she works and are angry with them '' " We are taking you to court for fraud '' I called the company and spoke with XXXX, letting him know he was violating debt collection laws. He stated he did not have time for games and refused to acknowledge his illegal actions. He demanded to know where my daughter was. He refused to provide his last name and hung up on me. I called back and spoke with him again and he hung up on me. I called back a third time and spoke with someone in compliance and was told his name was XXXX XXXX.
Consumer complaint received 2016-06-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY (AZ)

I am a cosigner on my child 's XXXX loans. My child refuses to make payments or consolidate the loans even though they earn an excellent salary. Wells Fargo is aware of the problem yet they do not pursue the borrower at all with any notifications or attempts to collect, yet they come after me as if I were the primary borrower. 
Wells Fargo has stated that there is a vehicle by which I can be removed as cosigner. I have requested that they do this. Wells Fargo repeatedly states that someone will be in touch with me yet I have not received any contact from anyone at Wells Fargo regarding this promised modification. My spouse wishes to retire and we need to get this resolved. 
Thank You,
Consumer complaint received 2015-08-03
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY (VA)

American Express informed me of a {$1.00} transaction on my card by XXXX Advertising. The Amex rep said XXXX seemed to be testing the card to make certain it was good. Amex let me change my card #. My complaint concerns XXXX Ads. I never gave it my card info. Someone did. What right to they have to be checking my card balance? How did XXXX get the card number?
Consumer complaint received 2016-11-02
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (GA)

I have been a member of Dillards card services for about 21 years and they were acquired awhile ago by Wells Fargo bank. Well I lost my job in XXXX and am just getting another job but I am paying my bills consistenly with the exception of a few months that I missed. My last payment of {$90.00} was paid on XXXX. which left my balance at {$80.00}. No high balance. However, I checked my credit card statement today to find out that Wells Fargo arbitrarily closed my account and when I called Dillard 's to inquire about their decision, I was told that they could not speak with me and I was hung up on. I thought that we lived in America! I never knew that a company/Bank would take this type of action without informing their loyal customers first. However, I can not to get any straight answers as to why this action has occurred. I called again and paid my past due amount because they could not answer any questions until that was done. In addition, no one could give me a manager 's name to provide you with. I was simply told that I was being transferred to the executive offices of Dillards and placed on an indefinite hold with me never having reached a manager to speak with. The teller told me that they had many managers on duty, so I wonder why was it so difficult to speak with a manager. This action was arbitrary and mean-spirited. Customers lose their jobs all the time in this economy, but are allowed to catch up their bills at a later time. I was in the process of doing so when my account was closed by Wells Fargo with no one supplying the name of who committed this action. Instead I am being assigned a case worker, XXXX XXXX and was told that he would be working on my case and would be getting back with me. I have never been so insulted in my life. I have treated like a deadbeat instead of loyal customer of 21 years. It saddens
Consumer complaint received 2016-08-16
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TRANSWORLD SYSTEMS INC (FL)

I XXXX. I received a call from Trans World Systems XXXX at approximately XXXX on XX/XX/XXXX. They asked for a specific person, who I did not know and never heard of and I told them this was a business and I knew of no such person. She proceeded to tell me I was being recorded and did I know this person and this was not a business it was a personal phone number. This person needs to be fired as this company obviously does not know the rules. I always answer XXXX XXXX XXXX. The club has no debt and no employees. This is a very aggressive individual who does not listen. I do not need this company calling a business while I have customers. I want her fired for failure to listen. 

If someone tells her they called a business, she should listen and she should not try to press forward with obnoxious questions about someone I do n't know.
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (WI)

XX/XX/2023 I entered my bank info, it never left my bank account, so I paid it again on XX/XX/2023. On XX/XX/2023 I asked for the reason of my payments being rejected, they stated I was in fault for entering my information incorrectly. I gave them my information over the phone, still rejected my payment. On XX/XX/2023, the day I am writing this, they sent a rejection letter and I tried using my checking account instead of my savings.