davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-19
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC (OH)

XXXX 2015 I want to titlemax in XXXX, Ohio on XXXX XXXX and opened a title loan on my XXXX Ford Explorer XXXX XXXX. When I did this I was able to get a loan for {$2400.00} I was told my XXXX payment will be around {$400.00} because of processing and interest fees. On XXXX XXXX I made my first payment with no problem, but when I ask about the next they told me that it will be roughly around {$400.00} anything over the interest and processing fees will go to principal and that I could not Opt to tell them that I would like my permit to go to principal. I spoke to the general manager how 's the store she proceeded to tell me that this is a " 30 day loan '' and that every day that the loan is still not completed I would have to refinance the loan so with this being done it will make my finance interest go even higher. Also just passed payment attempted to get paid 2 week extension on my due date because of a financial crisis that temporarily one of my income was being down. Now prior to this I have heard people going to the same store and get extensions or be able to do partial payment on overdue payments ... They simply had to talk to the general manager of that store to see if they can work on a temporary payment plan I was even told this when I was closing the loan with XXXX she told me just to call in and ask to speak to the general manager. Now there has been a new manager in place since then and she is not honoring that and it is putting me in even more of financial bind. Example : I asked to pay the principal due for XX/XX/XXXX which was {$370.00} .... at first one the general manager replied she told me or ask me when I can pay the rest implying that that was something possible to be done and I told her out of the {$500.00} that they were charging me since I was late on the payment that I was only able to pay the {$370.00} and pay the remainder a week later. She declined that and proceeded to ask me where can I pay the {$500.00} and that my truck can be eligible to repossessed. I told her just so my truck does n't get repossessed I would have it in by XX/XX/XXXX. I then asked her why was n't the loan process explained to me originally as the way she just explained it to me ... .she then told me at that point that it was a 30 day loan and that she would n't even get this type of loan for herself if she had to go down the avenue that I had to go there because she knows it would suck people in ... These are her own words and I will testify to that. I feel like this is a predatory loan and that it is very miss represented by its agents that process the loan. I was never given a clear estimate on how the payment was allocated to the loan. I feel as this company is increasing rates and making people pay more by refinancing these loans month it is making it impossible for people to repay these loans.
Consumer complaint received 2015-06-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (FL)

I received an automobile loan from Wachovia Bank XX/XX/XXXX, and paid that loan off XX/XX/XXXX, however I never received a lien satisfaction letter and the DMV was never sent the satisfaction. Wachovia no longer exits and was bought out by Wells Fargo. I have contacted Wells Fargo on multiple occasions to get a lien release however they can not find the account. In the meantime I am unable to sell the truck because I can not get a lien release. 

The whole experience has been very frustrating and confusing. I have been asked to submit a request in a writing but that could take 30 days or more to research.
Consumer complaint received 2015-12-11
Product: Credit card — 
Issue: Transaction issue — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I was billed twice for XXXX XXXX XXXX for XX/XX/XXXX season. 

I have been double billed for my XXXX XXXX XXXX account for XXXX. 

Initial charge was on XX/XX/XXXX XXXX XXXX XXXX XXXX - SEASON XXXX CA {$99.00} Subsequent charge was on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX {$99.00} I have written XXXX emails to XXXX XXXX XXXX support at XXXXXXXXXXXX I have also disputed the charge with XXXX twice and had long discussion with them for second dispute. The second dispute was denied today as they said it was not the same merchant. That an online merchant could use multiple billing methods seems beyond their comprehension.
Consumer complaint received 2015-03-31
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC (GA)

I got a loan from Instaloan in XXXX around XXXX XXXX, and each month I make a payment to them the payment goes up and none of the money I pay is going through what owe them. My payments are XXXX when I pay that I still owe them XXXX I told them I do n't understand why none is going through what I borrowed and I was told I had to pay them more in order for my balance to go down. So the following month they said my payment was XXXX again none went on the amount at all. What can I do about this.
Consumer complaint received 2015-05-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I recently found out because of letters from chase bank that I owed money on a checking account opened XXXX of 2015. I did not open this account nor did I have any knowledge it was opened. After repeated calls to chase informing them that I did not open the account and this is a case of identity fraud the basically told me there is nothing they can do. I ca n't believe that chase can open an account that was fraudulent to begin with and now they havemail no one for me to contact within chase to help me fis this.
Consumer complaint received 2016-09-21
Product: Debt collection — Mortgage
Issue: False statements or representation — Indicated committed crime not paying
Company: Collins Asset Group, LLC (VA)

XX/XX/XXXX I was wrongfully foreclosed on and evicted from my home by XXXX mortgage. The loan was an XXXX and the primary was settled and XXXX attempted to collect on the second. XX/XX/XXXX, I was contacted by I believe the state who was conducting a class action lawsuit. I subsequently received XXXX insignificant settlement checks from this suit. In XX/XX/XXXX I was contacted by a collection agency attempting to collect on this debt. I explained the history and explained that given the circumstances, I had no intention of settling the debt. This issue continues to resurface and impact my credit.
Consumer complaint received 2016-03-20
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (PA)

Amazon Chase Rewards card will not post my payment to my account. I have called them several times asking why the payment did n't post yet and I was told that the payment got lost in the mail. Now Amazon Chase is debited my card with late payment fees. I paid with a post office MO and now my account is going into over draft status. Please help me!
Consumer complaint received 2015-04-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Quality Asset Recovery LLC (NJ)

On XXXX XXXX 2015 I sent Quality Asset Recovery a letter asking them to VALIDATE not VERIFY the debt they are attempting to collect from me. They have also reported this debt to the XXXX credit bureaus without my consent or awareness. I am very upset that they have tarnished my credit with this outrageous claim that I owe them any money at all. They have prevented me from obtaining any future credit and all attempts to communicate with there very rude representatives over the phone have gone no where. They have violated my rights under the Fair Credit Reporting Act and have not even followed the Fair Debt Collection Practice Act which states they have to to stop all collection activity while the debt is being investigated and disputed. They have blatantly ignored my letter to them which I have attached as proof.
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

Equifax is reporting the wrong filing date on my Chapter XXXX Bankruptcy Case # XXXX. My report show I filed XXXX which is impossible because there is no such date. I filed XX/XX/XXXX which is over 7 years ago which means it should not be reporting on my credit report anymore. Equifax is still reporting this BK on my report with inaccurate Dates. Please ask them to report the correct date. 
Thank you XXXX XXXX
Consumer complaint received 2017-02-14
Product: Credit card — 
Issue: Sale of account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have been sued by small claims court in Alabama by XXXX XXXX who bought the Capital One Credit Card. The Capital One credit card was opened XX/XX/XXXX and was closed XX/XX/XXXX. XXXX XXXX XXXX, XXXX served me with papers to respond to the summons. I researched and see Alabama has a statue of Limitations of 3 years. I have never heard of these people until I got this. How do even know that they have the purchasers agreement that was agreed on. I tried to look on my credit report to find out but there is nothing on there showing this debt now. I fell under hard times my husband became ill and almost died we only had what little income I was making and sadly it is the same now. Not sure what to do
Consumer complaint received 2015-12-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (NY)

Midwest Recovery Systems has placed a debt of {$430.00} on my credit report claiming it comes from a company called XXXX XXXX XXXX which is false and I do not owe this debt. Midwest recovery Systems has never once sent me anything in writing to give me the opportunity to dispute it, but they never did that which is illegal and they went ahead and placed it on my credit report. I filed a complaint on here against XXXX XXXX ( case # XXXX ) and it came back that the Insight could not respond and they believe I am a victim of fraud.. How can Midwest Recovery Systems just place something on my credit report with never verifying the debt. also, there are many complaints against insight capital who tries to fraudulently collect on payday loans, which are illegal in the state of ny, illegal to give in any way shape or form and also illegal to collect on.
Consumer complaint received 2016-04-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2014 Chase Banking copy, s of my bank statements a loan That I know nothing about this company was taken money out of my account Rise they have been sued Chase bank put on XXXX I have sent letters to them also I have had fraudulent accounts from loans to credit cards I have sent copy to law frim to look at I did know any loans never gave any to take any money out of my accounts Chase will not working on this to delet account XXXX.
Consumer complaint received 2015-04-18
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Credit Adjusters, LLC (SC)

On XXXX/XXXX/2015, firm contacted my estranged spouse who I never gave as a contact on my loan documents and told him that I wrote a bad check and were attempting to get in contact with me. He texted me their contact number and I called because I knew I did not have any checks written to any company for any reason. Spoke with an agent and they placed a male coworker on the line and he stated that he was the attorney for XXXX and I was being charged with fraudulent check and fraudulent use of a closed bank account and they were processing papers to have be arrested within a week.
Consumer complaint received 2015-06-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ProCollect, Inc. (NY)

I was contacted by Procollect collection agency about an apartment i rented in 2013. during that time i gave a 45 day notice i would be breaking the lease and paid an % XXXX Re-Letting fee. a couple weeks later the apartment i was renting was rented to another person. a month after that my account was reported to collections even though they stated after the apartment was re-rented the only penalty i would pay was the re-letting fee i had already paid. i have contacted the collection agency XXXX asking for verification of the debt both times they told me the would e-mail it and mail it through the post office. Neither time did i receive any verification of the debt. i sent them proof of my 45 day notice of me breaking the lease and the money i paid for the re-letting fee. They then told me they would subtract the re-letting fee i paid from the principle debt. which they never did. and i still have no verification of this debt.
Consumer complaint received 2016-05-16
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I have been a customer of Union Bank ( California ) for XXXX years. Last week I tried to send a bank wire using money in my account to a bank in XXXX, XXXX XXXX XXXX XXXX XXXX. I was advised that the service would cost {$50.00} which I thought excessive. In correspondence with the person in XXXX to which I am sending the money I learned that he too must pay for receipt of the same funds an additional {$40.00}! Upon further research I find that my bank, Union Bank is wholly owned by his bank in XXXX, Bank XXXX XXXX XXXX! So the very same corporate entity is collecting from both ends, a total of {$90.00}! 
In itself this is outrageous but in light of all the political hoopla about Pacific Trade Agreements being good for business, the " good for business '' must mean the good for the corporate, not the individual!
Consumer complaint received 2015-05-15
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (TX)

In XX/XX/2007 i bought a new pickup and financed it XXXX XXXX. On the financing contract XXXX stated that if the contract was assigned to another lender then we XXXX the new lender and I had to sign the new financing agreement, because we could negotiate the new interest rate. One month after we signed contract, XXXX Bank bought XXXX XXXX but they did not comply with the assignment terms of the contract. XXXX was caught laundering XXXX XXXX dollars in drug money, Wells Fargo bought XXXX and Wells Fargo sued me even though XXXX or Wells Fargo did not have any contract with me they did not have standing to sue me in any court or any right to take my property the XX/XX/XXXX truck. The republican judges in Texas all the way to the Supreme Court of Texas just ignored my pleadings. I have a copy of the contract it can still be read even though it was shrunk down when Wells Fargo filed it in court. More damage that Wells Fargo continues to do is even though they never had any contract with me, they report to XXXX XXXX I owed XXXX about XXXX this on my credit report makes it almost impossible to restart my business.
Consumer complaint received 2017-03-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/2017 I noticed ACH fraud on my account and reported it immediately. USAA instructed me to open a new account online and were not open to assisting me. After completing this task I called back the following day to inquire about my debit card. Since the compromised account also had my direct deposit this needed to be changed as well. 

All being said, I still had zero access to my money either by check or debit card. Phone call placed to the agency on XX/XX/2017 to inquire about the status of the debit card to only be told " you can find that information online ''. I asked to speak to a supervisor and the call was dropped. Called placed on XX/XX/2017 and spoke to XXXX. She advised it had not been 10 business days and she could only cancel and reorder a new card. XXXX proceeded to explain how this is the " only '' way to get my debit card. The option for overnight mail or 2-3 business day delivery was not available. I asked XXXX to arrange for a manager to contact me and to this day has not happened. 

As of today, XX/XX/2017 I have not received a debit card or checks to access my funds. I called USAA and got disconnected by XXXX. I patiently redialed and spoke to XXXX and asked for a supervisor. She then transferred me to XXXX who was a " supervisor of policy services ''. Clearly the breakdown of communication is rampant. I requested to speak to a supervisor in banking. Then transferred to XXXX who is not a supervisor. Finally, a supervisor by the name of XXXX took the call. She proceeded to explain to me that XXXX never arranged for a supervisor/manager call back. Additionally, she was able to cancel the initial debit card order and send it 2-3 business days. 
This contradicts was I was told by XXXX as well. XXXX was helpful and seemed bothered by the fact that she had to " order checks '' for me. When asked for a tracking number on the debit card she explained that I would have to call back to get the tracking number. What is the point of having " secured messaging '' within the USAA.COM portal? 

This experience goes beyond unacceptable. I am escalating this complaint to the Consumer Financial Protection Bureau so that Federal and State Regulators are made aware of this experience. 

USAA was a trusted financial institution who has clearly failed in this regard. 

XXXX Veteran
Consumer complaint received 2015-09-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Abbott Osborn Jacobs PLC (MO)

I now have a judgement against me from XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX for private student loans totaling they say for {$130000.00}. That is the lump sum they want or {$800.00} a month payments which I can not afford either. I have tried working out arrangements with them and at first they would take a {$100.00} a month but since I was not able to right then and I asked for paperwork for proof of my payments they wont accept that now they want those big amounts. They also wanted to raise my payments each year by a bunch and I could not say it was okay because I am unemployed and due to circumstances I will not be able to return to work. I have XXXX children to feed, cloth, and raise I simply can not afford that so I am begging you for help!!! These private student loans are killing me and others and shortly my Federal loans are coming up. I am currently on a financial hardship for them.
Consumer complaint received 2017-01-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

The holder of my mortgage loan Wells Fargo is piling on excessive late fees, property inspection fees and Attorney fees as well as quoting a past due balance that is thousands of dollars more than it should be. Not only are they gouging me, but they are also failing to fairly negotiate with me or assign a dedicated contact to review my paperwork as I attempt to resolve my issues with Wells. Instead they are moving me back into foreclosure and serving legal documents on " unknown spouse '' with all of my personal information even though I am the only person on the loan and title. 

I bought this home in 2000. A couple of years ago I had some struggles due to the loss of my job followed by my boyfriend of 7 years walking out on me. I paid the loan from savings as long as I could but finally had nothing left. In order to make ends meet I went and rented an apartment to live in and began leasing out my home because it would increase my monthly income even though it was a terrible situation for me. Over the last year I have pulled back onto my feet, I am gainfully employed at a XXXX and have a good tenant who is leasing my home and paying rent on time. I tried to re-engage with Wells Fargo but they have been difficult to work with. they refuse to accept a mortgage payment from me unless I pay the full past due amount all at once, something I am not able to do. I have asked them to consider me for modification or restructuring of the loan but get nowhere. It is like sending my paperwork to a black hole, there is no dedicated contact and no communication. 

Wells Fargo recently started sending out legal documents that they were moving to foreclose. That is when I noticed the discrepancy in the balance, as well as the excessive charges they have placed on my account. Many occurred on the same day, and many seem to be duplicates for property inspection, Attorney fees XXXX drive by 's etc. I also discovered paperwork that shows I was in a preferred payment program with Wells where they would automatically debit payments from me weekly in order to help me budget. However, Wells never implemented this plan, and then suddenly just stopped accepting payments from me. I am not disputing that I am behind on this mortgage, but I am trying to fix it. However, as a result of this problem and the paperwork I have discovered that Wells is really trying to gouge me here. Based on the recent revelations about their fake bank account scam I guess I should not be surprised. I am filing a formal complaint against Wells Fargo in hopes that this matter can be resolved and I can save my home and only be held accountable for what I truly owe them.
Consumer complaint received 2016-04-24
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Advance America, Cash Advance Centers, Inc. (OH)

I have enrolled in a Debt Management Program and contacted my payday lenders to revoke authorization for ach payments. Advance America responded to my email and agreed to stop the ach. The email included my account number for tracking purposes and the email address associated with the account. On XX/XX/XXXX they went forward and withdrew the entire amount of the loan despite being contacted by me and by the Debt Management company. When I contacted them they said they had no record of a communication between us and they had never received any information from the company I was working with. I told them I had the email communication and they response I got was that they had no evidence of an email and it was too late for me to do anything about it. I spoke with the company I was working with and they indicated that they had emailed and faxed Advance America and spoke with a representative about the account. I had to find another way to obtain {$2000.00} immediately on Friday in order to cover my account and keep it from going negative. It kept me from being able to pay additional bills. They also kept telling me that my state ( Ohio ) does not allow payment plans. That is absolutely incorrect as other lenders have set up payment plans with me.
Consumer complaint received 2016-05-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Good Afternoon I have several mortgage payments with wells Fargo bank and I have requested several times that the unapplied money be applied to the principal but they do not comply with my request. I was hoping that you would be able to provide assistance to enforce my request. 

Thank you