davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-26
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

Company bought out payday loan. But they are threatening legal action, making repetitive calls, calling people i know that are listed nowhere on the loan and asking for my address while threatening legal action. Abusive language " stop hiding stuff from your husband '' " stop hiding behind that mute button ''. Also wont provide their address for cease and desist letter.
Consumer complaint received 2023-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cawley & Bergmann, LLP (NY)

My name was used in an online ponzi scheme called XXXX XXXX back between XXXX. I was contacted by a debt collection agency Cawley and Bergmann LLC. I was only ever contact by mail. The letters showed up in different envelopes, printed differently, and different letterheads. They did not look official or professional in any way. The letters talked abut my involvement in a ponzi scheme I had never heard of, and a court case I had also never heard of nor been subpoenaed for. I assumed the letters were a scam. At the end of XXXX of this year I received a letter from the local sheriff 's department stating that the above listed debt collector was using them to enforce the collection. I contact the collector and tried to get more information. Stating I have had no involvement and haven't been shown any proof of the contrary. They told me to XXXX it and they couldn't help me. I have attempted to get law advice during this time to no avail. This month I received notification from my payroll department that the sheriff is enforcing a garnishment of my wages to pay for this debt that is not mine. I have recently filed an identity theft claim ( reference # XXXX ), and am filing this claim in a hoping of getting some resolution.
Consumer complaint received 2015-07-23
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (NC)

A tenant in my XXXX wrote a rent check of {$1400.00} and instead of making the check out to the park, she made it out to the park managers wife, The check was endorsed by the wife, then endorsed by the park as " for deposit only '' and deposited in the park 's account. The tenant then became angry at the managers wife for some reason and went to the bank ( Wells Fargo ) to check on the check. The bank produced a copy of the check which showed the wife 's endorsement and the " for deposit only '' park endorsement. The bank also produced the tenants account statement that showed the check being cashed at the counter. The tenant was then convinced that the managers wife cashed the check and took the money. She threatened the wife with criminal charges. This episode caused many problems - too many to discuss here. My complaint is that the Wells Fargo Personal Banker, XXXX XXXX, when presented with XXXX conflicting facts, regardless of the banks error in producing these XXXX conflicting data, did not recognize this and allowed the tenant to leave the bank thinking the check was cashed at the counter. I think that both XXXX XXXX and the Wells Fargo bank should be reprimanded. After several visits to the bank trying to resolve this problem or at least get an " I 'm sorry for your inconvenience and mental worry about being arrested, the bank Service Manager, XXXX XXXX and bank manager, XXXX XXXX refused to admit any fault.
Consumer complaint received 2016-07-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (FL)

I filled a complaint with CFPB about 45 Days ago. In this complaint I asked that Wells Fargo to stop calling me. Wells Fargo ignore this complaint and continues to call me regarding collection of this debt. Most recently I was called on XXXX XXXX at approx. XXXX, When I asked to speak to a Supervisor the Agent Hung up On Me.
Consumer complaint received 2015-05-01
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (KY)

Home Loan was refinanced on XXXX/XXXX/15 with XXXX XXXX, XXXX. 
Loan processing was transferred to Wells Fargo with an effective date of XXXX/XXXX/15 Received a letter from WF dated XXXX/XXXX/15 that our hazard insurance policy had expired on XXXX/XXXX/15 and it was their intention to buy their own policy for the property. 
The hazard insurance had been paid from our previous escrow account with WF on XXXX/XXXX/15 and was/is valid until XXXX XXXX. WF then proceeded to pay our insurance provider the same amount from our new escrow account creating a negative balance and then to adjust our monthly escrow payment On a loan they do n't start to service until XXXX/XXXX/15 ) to make up the deficiency. Attempts to have WF correct this problem have resulted in a response that it is the insurance company 's problem and if/when they receive a refund from XXXX they will update my account.
Consumer complaint received 2017-02-07
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: ENOVA INTERNATIONAL, INC. (MD)

First I just looked into getting a payday loan I never intended to receive any money at the time I wanted the funds just for reserve. I called Cash Net USA to pay off the balance I was told it was XXXX $ that was after paying XXXX that same day. I called to make the final payment of XXXX to it all of a sudden changed to XXXX. I was on the phone with the company for over an hour to get the loan resolved I was put on hold just for the lady to return saying that the payment could n't be processed that it needed a managers approval. Five minutes later she said everything was ok to paid then the total went up to XXXX in a matter of five minutes. I was told that it went through.. I logged onto my bank account to see that both charges processed through my back XXXX in the amount of XXXX and another XXXX in the amount of XXXX. I immediately called them back and they had no record of big transactions now I am fighting to get my money back he statement that I submitted via email which I was told to do was n't good enough.. these people steal people 's money!!
Consumer complaint received 2016-05-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (NJ)

I applied to refinance a car loan, but was denied. I have tried to get in touch with them regarding the decision. However, the number listed does not help me or the fragmentation of the process does not solve my problem to understand why I was denied. The simple explanation that it does not benefit me, but does n't refinance benefit the consumer when you are doing well and want to lower your interest rate. I get the sense that they do not want to work with me to help avoid default or a loss in their balance sheet.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2015-11-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank is refusing to honor a check used to open accounts for my trust account. They are claiming the check was altered. The issuer says that they write all their checks with the payee 's name hand written on the check while the rest of the check is typed. I feel that the bank is inferring that I submitted a fraudulent check to them. Can you please help me get this issued resolved. There XXXX accounts opened with this check. Both a checking and a savings account. The accounts were opened on XXXX/XXXX/2015. I am a veteran.
Consumer complaint received 2015-07-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP (SC)

i have been getting repeated phone calls every day at different times of the day. i work XXXX sleep day time hours.they have also contacted my family members repeatly also as well they have been out to the house XXXX knocking trying to collect the loan i owe them. security finance in XXXX sc.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2015-11-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (TN)

I have a complaint against Wells Fargo relating to the refinancing of a mortgage loan that I have with them. I requested a XXXX Loan and they told me that I was not eligible for it, even though I was never late with my payments, had a XXXX Loan and the property was worth less than the loan. 
They processed my loan as a conventional loan, had me pay for an appraisal and then said that they would offer the loan if I would bring a large sum of money to the closing.. 
I believe that they were unethical in their dealings with me, because while they would not have known to value of the property, to assume that its value would have increased in the last 10 years enough to make us invalid for XXXX would not make sense, even to an lay person.
Consumer complaint received 2016-10-25
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: NAVY FEDERAL CREDIT UNION (MD)

XXXX fraudulent charges were committed utilizing my wife 's debit card number and pin. I called Navy Federal Credit Union, our bank and submitted a claim to reject the charges and have the money reinstated. Naturally, I also cancelled the card. It is obvious that the charges were not done by either of us, as we live in XXXX and the charges were in XXXX XXXX, XXXX. The first charge was at an auto shop in XXXX XXXX for {$4500.00}. The second and third were both cash withdraws of {$300.00} each for a total of {$5100.00} stolen. I have submitted a police report to the XXXX County Police Dept in XXXX and the XXXX XXXX Police as well. I have repeatedly called the bank to ask for an explanation for the findings, but have received none, either over the phone or by mail. As an XXXX XXXX service member, it disgusts me that this bank does not back up its customers and repeatedly gives me the run-a-round when trying to figure out why this claim was rejected. Even if we do not get our money back, we are done banking with Navy Federal.
Consumer complaint received 2015-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo continues to delay an application for refinancing. I talked to a woman named XXXX and she indicated that I would receive phone call this week and so far I have not received call. Our application started in XXXX, Wells Fargo continues to provide excuses. The last excuse is that the last loan processor was at wrong desk that 's why we did not receive call. It seems they keep delaying the process so applicant has to get hire rate.
Consumer complaint received 2015-09-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

I fell behind on my payments due to a job loss. I notified Wells Fargo when I got a delinquency notice and the next month, XXXX 2015, they put my in foreclosure and returned 2.5 months of payments and stated I was now 5 months behind. I immediately called and Wells Fargo assigned a rep. he had me file a loan modification application which was denied in 2 days. Even though I now make more than I did when I applied for the loan. We were then offered and took the option to repay the loan if I could give them 3 months immediately. Which I did as soon as the bank opened the next day. I was told that I needed to make sure that I did not become 3 months delinquent. I made another full pmnt in XXXX. I went to pay XXXX payment and they put me back into foreclosure and returned XXXX pmnts I had made. Now they have me 7 months behind. I told them I now have XXXX payments that I can give them and they refused it. They admitted the error was on their part but are refusing to honor their agreement made in XXXX. Now they are charging me attorney fees as well.
Consumer complaint received 2015-04-27
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (CA)

I found that Wells Fargo reported to a credit reporting agency that I owed them a debt of {$420.00} on XXXX 2012 on a credit card account. I never opened a credit card account with Wells Fargo and have no knowledge of any credit card charges made on a Wells Fargo credit card in my name. I wrote to Wells Fargo and informed them of these facts. I also told Wells Fargo that I believed that these charges were fraudulent and suspected that I had been a victim of identity theft. I requested that Wells Fargo conduct an investigation into the matter and that Wells Fargo provide to me all account documents and billing statements related to this claimed debt so that I could determine whether I had been a victim of identity theft as I suspected. Wells Fargo responded but refused my request for documentation and its response does not indicate that it conducted any investigation into my claim that I had been the victim of credit card fraud and identity theft.
Consumer complaint received 2016-01-28
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo has discriminated against VA home modification false information, We have lived in home since XXXX, we did go bankrupt XXXX did not list are home are lawyers told us we did not have to reaffirm, We made all payments, until we had ask XXXX XXXX XXXX if he could help get Wells Fargo to give us a home modification.Wells Fargo told us to stop making payments for 3 months, everything was done VIA mail.They had put we went bankrupt XXXX we did not.XXXX XXXX is co- borrower on Home.They would not acknowledge this.Are credit report shows no payments every made on are home we have made every payment until they had told us to stop XXXX/XXXX/XXXX? also took equity out of home to make up for 3 months we missed, said in there letter that they could change terms when ever they wanted. we were stuck as being 3 months without making payments they could have taken house away,XXXX security Instrument on Home through VA.
Consumer complaint received 2015-06-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

We have been receiving collection letters & phone calls daily for our mortgage account with Wells Fargo when we are current on the mortgage. There is an escrow balance that they 're showing is due for amount of {$100.00}, which is completely inaccurate as we do n't have an escrow account and last year when we switched insurance agencies from one agent to another for the same insurance company ( XXXX XXXX ), they 're claiming the property was not covered. 
This is not accurate as we have been on an call with Wells Fargo Escrow department to sort out this mess and unfortunately I 'm not getting any cooperation with Wells Fargo Escrow and Mortgage departments. Our insurance agent has sent information to them explaining the situation. 
They 're claiming that we have not paid our mortgage, which is not accurate. They 're now sending letters to proceed Foreclosure proceedings. We have never been late on our mortgage and are getting stressed and frustrated with Wells Fargo 's behavior and practices.
Consumer complaint received 2016-08-22
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: WELLS FARGO & COMPANY (ND)

The bank used their legal firm to file a Sheriff 's Sale Foreclosure against myself wrongfully. Attempted to contact both the bank and their legal representative multiple times to notify that they are picking on the wrong person. In this case I am actually an innocent relative of one of the persons named in this suit. The legal firm, nor the bank have issued a retraction or apology. I was not a resident at the time the defaulted loan was issued.
Consumer complaint received 2016-07-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

The car financing company XXXX is currently reporting as a closed account on with all XXXX credit bureaus. They are also reporting as a judgement on equifax. I have contacted all three credit bureaus because XXXX is currently garnishing my wages receiving roughly about XXXX per month since XXXX, but the company keeps reporting derogatory/late/no payment monthly affecting my credit score. After speaking with someone from each credit bureau and disputing the account with all XXXX bureaus there has been no change to the way this company is reporting on my credit reports.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I was one of the millions whose personal information was stolen from creditors databases, leaving me vulnerable to identity theft. Compounding this issue, major creditors like XXXX XXXX XXXX XXXX XXXX  reported inaccurate information on my credit report without proper verification. This has created significant challenges in addressing my credit status and has made it difficult to regain control over my financial well-being.
Consumer complaint received 2017-03-20
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: EQUIFAX, INC. (TX)

I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order I have some credit inquiries that are related to none of the aforementioned permissible
Consumer complaint received 2016-04-17
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Riverview Law Office, PLLC (MN)

I was forced by XXXX Hospital in XXXX MN to receive a XXXX I told them I did n't want and could n't afford. They said if I did n't let them do whatever they wanted they would have me arrested and posted an armed police officer in my room who threatened me until I agreed. Then they send me a bill for over {$4000.00}. I refused to pay the bill and informed them why I was refusing. They have since sued me without informing me of it and have started garnishing my wages.
Consumer complaint received 2017-02-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo has recently sent me a letter claiming that they have addressed the situation in regards to my previous dispute, and that it can not comment on certain employee disciplinary sanctions ( if any ). 

Wells Fargo had initially sent a letter to me stating that the company denies any deposit taking place on that date ( please refer to my previous complaint sometime in XXXX or XXXX 2016 ), and even claims that I was not present at the time I have stated I was making the deposit. 

I would like to know Wells Fargo 's and the CFPB 's stance on this situation. I want accountability. 

Thanks.
Consumer complaint received 2016-09-26
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (NC)

I began using my Wells Fargo Credit Card in XXXX 2016. The credit limit is {$8000.00}. My current balance is just over {$4000.00}. On XXXX XXXX, 2016, I went to the local XXXX to take advantage of a promotion of " {$99.00} for one year of membership. '' My Wells Fargo credit card was declined when I attempted to use it at this business. In XXXX 2016, I went online to XXXX to make a purchase of {$53.00}. Again, my Well Fargo credit card was declined. I did n't understand that, so on XXXX XXXX, 2016, I went to my files and pulled my bank statements and discovered that Wells Fargo did not send me a credit card statement in XXXX 2016 ( When statements come in from all sources -- banks and utilities, I put them in a little box, in a pile ). Wells Fargo not only failed to send me a statement in XXXX 2016, the bank deactivated my credit card, and sent a negative entry to the credit bureaus, without notifying me. I have been utilizing credit off and on for 45 years, and this sort of thing has never happened to me. It is the most recent statement, XXXX 2016, that shows derogatory information in my account. Wells Fargo knows that I have excellent credit and, therefore, they should have notified me if they believed that I did not make a payment. The truth is, I did not know until recently, when I checked my bank files, that Wells Fargo had not sent me a statement in XXXX 2016 ( I am in the process of designing a spreadsheet that will show the names of all creditors ( banks and utilities ) and the dates on which their statements arrive ).