davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION (HI)

I filed a dispute via XXXX  against Credit Acceptance Corp on XX/XX/20. I explained that I felt my balance was going up although I had made payments over what I was required to pay. Credit Acceptance Corp later responded stating that reported the information has certified to XXXX  that the information is accurate. Roughly two weeks later, they reported that I was 120 days past due. Although, in the months prior all my payments we reported as on time. I contacted customer service and asked why the didnt report it previously, because according to the FDCPA, they were to report accurate information. I also asked why I was past due and they said because I have fees. After closer inspection I realized they have been posting my payments mostly to their fees and not the principal so they can charge me and collect more interest. So, even though they told me to raise the payments to get caught up they confirmed the payments have nothing to due with their reporting standards for credit reporting. This is a very deceitful practice and should is illegal. Please advise.
Consumer complaint received 2023-11-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (FL)

I have called Mohela regarding the balance on my account, which is was granted 100 % by the department of education. I received a letter stating that my student loaned will be adjusted and cover at 100 % due to the lawsuit with the court due to my student loans with the school that I attended XXXX university . Half of my loans have been adjusted and corrected but I still have a balance showing on my account which I have proof Mohela with the letter provided by the department of education and they continue to ignore and make corrections to my account. The balance of {$15000.00} plus is still showing on my credit report, which is causing a lot of issues with my credit score, etc. I dont know what else to do with the department of education and Mohela . Ive been dealing with this issue since 2004 after graduating from the university when false information was presented to me And forms where, signed or not authorized by me.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (VA)

Consumer Financial Protection Bureau, I am very excited to have found you and know that you will be able to help my situation. 

Right now, my husband and I are closing on our house on XX/XX/XXXX ( 14 days from now ). When we obtained an updated copy of my credit report, I noticed that there are 90 day late payments on my XXXX student loans that are being serviced by XXXX. Acct # XXXX. 

Additionally, they are reporting an " Account Status '' as " Currently 90 days late ''. 

Attached is a faxed document from XXXX showing clearly that my account is current and NOT 90 days late. 

My experience in legal matters is extensive in knowledge of the Fair Credit Reporting Act. The Act specifies prohibited practices in the payment reporting guidelines. There can not be a 90 day late payment unless there is also a corresponding 60 day late payment and a 30 day late payment ( credit report attached to this investigation request ). 

I request that Experian remove the illegal 90 day late payment history for XX/XX/2017 for all XXXX of the XXXX accounts # XXXX. 

Thank you VERY much.
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I tried to file a dispute to have a wrongly identified judgment removed from my credit report. Experian is wanting me to pay {$25.00} for a credit report and submit a copy of my Social and ID by mail in order to take a look at. I have attached a letter from the Law firm stating that the judgment they have listed on my credit profile is not mine.
Consumer complaint received 2016-05-19
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Central States Recovery, Inc. (UT)

I have paid this debt 2-3 times. each time they tell me the report will be processed later in the day and it never is. a new collection account was on my credit report I was not familiar with I asked a question about this I was threatened to pay today or be imprisoned and sued. when I asked her if I could receive a bill she said only if I made the payment. I tried to ask a question and she proceeded to give me legal advice and advised paying the debt in order to avoid legal action and potential imprisonment. 

I have never been sent a bill on this amount or called. I was trying to get information and was threatened. 

as well as a smaller amount I have made several attempts to pay is still on my credit.
Consumer complaint received 2015-09-18
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (CA)

I have wired {$23.00} and transfer fee of {$5.00} to the XXXX on XXXX XXXX with MTCN XXXX. The transaction did not go through but Western Union did not refund the total of {$28.00}. They said there was an error in the recipient 's account. I told them that it was not anybody 's fault so I just want to get refunded but they saod they will not return my money back.
Consumer complaint received 2016-10-28
Product: Payday loan — 
Issue: Can't contact lender — 
Company: ENOVA INTERNATIONAL, INC. (VA)

XXXX XXXX XXXX XXXX I am disputing this loan based on that it is impossible to pay it off at 98.8 %. I do not want this company debiting my checking account until we come with a resolution NetCredit responding about indicate my account is in delinquent status. Last week, I did not pay {$160.00} due last week due to concerns about the interest rate and waiting for a resolution. 
NetCredit claims that they contacted me regarding the status of the account and said I was unwilling or unable to talk with us about my account. I have talked to NetCredit on numerous occasions and was told that the legal department would contact me. This was over 3 1/2 weeks ago. I have tried to talk with the representatives about my account and working out a plan but I am either being talked over when I try to work out a solution and even had a supervisor laugh at me stating that I will pay over {$7000.00} for a {$3900.00} loan at 98 %. 
NetCredit claims that they values me as a customer and strives to provide the ultimate customer experience and ask that I contact our Customer Service Team at XXXX, to discuss possible options regarding the account balance. I have called and spoke with them about 10 times within the last 3 1/2 weeks .NETCREDIT WILL NOT WORK WITH ME OR DISCUSS ANY OPTIONS WITH ME. THE REPRESENTATIVES I SPOKE WITH SAID THERE IS NOTHING THEY CAN DO TO WORK WITH ME. I AM APPAULED THAT THEY have FABRICATE to a FEDERAL AGENCY. All I am asking for is to take the interest away from this loan and allow me to make monthly payments that I am able to handle. I understand my responsibility of the balance of the loan but they do not work with their consumers, instead make a profit with predatory lending practices.
Consumer complaint received 2016-01-24
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (OH)

I called and emailed Wells Fargo Several times asking them to send me via mail or email a statement I started this in XXXX of 2015. Each time I called them I paid exactly what they asked me to pay and reiterated that I was NOT receiving a statement of the account. I went to use the card at XXXX XXXX in XXXX OH and was told that the account was locked. I called Wells FArgo, paid off the baLANCE AND CANCELED THE CARD. i DID NOTHING WRONG IN THIS SCENARIO
Consumer complaint received 2023-11-01
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AL)

I went to XXXX to purchase an outside furniture set. I was offered at the register an opportunity to apply for an interest free credit card for one year. It was all done at the cash register. I have been charged interest from day one. I have paid the principle completely off, and TJX continues to charge me interest and late fees. When I called to complain, they said that I owed XXXX dollars. When I asked them to break it down, it was XXXX dollars in late fees and the rest in new last fees and interest. I asked them to remove all the late fees and interest from the account and close the account. They refused. I asked for a manager and waited 30 minutes and was told there was nothing she could do and that there were no other people above her that could address my concerns. This is unheard of. I asked her to have someone call me, she said that they do not call out. They are charging loan shark rates on closed principles and refuse to refund my money or close the account.
Consumer complaint received 2021-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (ID)

Select Portfolio Servicing ( XXXX : Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) purchased my home loan in XX/XX/. After purchase I received a letter in the mail stating I needed flood insurance. I live in the mountains, I've never needed flood insurance, FEMA website states I don't need flood insurance, and I forwarded all the documents to the lender showing I don't need flood insurance. I also contacted the ombudsman for the company to help me and emailed the ombudsman the documents showing I don't need flood insurance. I contacted my prior lender and my insurance agent who provided me with the certificate showing I don't need flood insurance. I attached the documents proving I don't need flood insurance to my lender website spservicingXXXX on XXXX XXXX  and XX/XX/ and the lender charged my account {$210.00} for flood insurance in XXXX XXXX XXXX XXXX and XXXX XXXX 
They won't call me back or acknowledge the FEMA no flood zone proof. I can't afford another {$210.00} in fraudulent flood insurance fees. I'm extremely frustrated and need help resolving this issue. I've also found reviews online for SPS servicing with claims like mine that state they fraudulently charged customers who's loans they purchased for insurance they don't need. 
Please help me! 
XXXX XXXX email : XXXX XXXX
Consumer complaint received 2016-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (VA)

I applied for a mortgage refinance loan on my existing home and I was denied because the credit report that my lender pulled showed my scores as XXXX ( XXXX ) XXXX ( XXXX ) and XXXX ( XXXX ). However, when I review my credit and my scores on the websites due to my paid member ship, they show my credit scores as XXXX XXXX XXXX XXXX and XXXX ( XXXX ). I contacted the lender and the credit agencies and no one can explain to me why the huge discrepancy in the credit scores that I am paying for through the credit agencies and the credit scores that are being provided to creditors. I do n't know if there is a true purpose in monitoring my credit scores and paying a monthly fee to each of the XXXX credit agencies if I am not getting accurate and/or complete information.
Consumer complaint received 2017-01-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NJ)

My Wells Fargo account keeps getting made dormant because I do n't write checks or use the ATM or debit card or visit a branch. It is hard to do any of these things because I do n't live in U.S. The account is constantly being used, however, for electronic deposits and withdrawals. When the account goes dormant, I am unable to transact online and I have to call in
Consumer complaint received 2016-10-15
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MO)

Wells Fargo foreclosed my duplex and the {$140000.00} + cash payments I mailed to somebody from 1987 - until Wells Fargo returned XXXX checks in a row When I had really missed only XXXX payment trying to figure out what was going on they set a sale date. I was able to cancel the first XXXX. 
They repeatedly called a 'postponement ' The modification offered was for more money and higher payments We attempted to extend the term to reduce the payment but we mailed payments anyway -all were returned Filed bankruptcy they were granted relief Attorney valued property at XXXX. 
{$130000.00} paid - {$53000.00} balance is {$78000.00} I was able to reduce the insurance by {$260.00} ( {$110.00} refunded to them ) Wells Fargo returned my last payment after they received the insurance refund Reported {$62000.00} market value and {$53000.00} 'balance to the IRS I provided my XXXX lease agreements of over {$1000.00} They sold it a year later with a {$91000.00} mortgage. 
( I believe the remaining balance is included in the modification on my house my taxes and insurance have increased to about the amount due on the duplex -? 
My house mortgage continues to increase. 
I also believe adjustments have been made to the balance with money going to a different lender ( XXXX XXXX XXXX mortgage ) on another property I already paid off The way I see it Wells Fargo owes me {$91000.00} I paid to escrow as MY proceeds {$78000.00} -the amount I paid over the mortgage balance - the value And {$62000.00} the value reported to the IRS. - ( and my rental loss since foreclosure )
Consumer complaint received 2016-06-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

To whom this may concern, I am in a bit of a unique situation that has severely limited my access to financial services and I am writing this complaint in hopes that a solution can be reached. 

By way of background, here is the problem : I am currently located in XXXX but receive physical checks from my XXXX work. These physical checks are delivered to my US address, XXXX California, XXXX because international mail is both expensive and inconsistent. While I previously had these checks sent to directly to my XXXX bank account, my bank decided, for unknown reasons to close my bank account. As a result, I have been unable to cash about 6 months worth of checks and have been having significant financial troubles. While I could resolve this situation by traveling back to the US and opening up another bank account I am prohibited from doing so because of the associated cost. Despite having over XXXX XXXX dollars in soon-to-be stale checks in the US, I am unable to access any of the monies from those checks. 

I am writing this complaint in hopes that Wells Fargo will provide me with a detailed response on how I can get those checks cashed and gain access to the monies. Thus far I have tried : 1. ) Giving my mother, who is receiving the checks at my former US address, a Durable Power Of Attorney. The bank refused to honor this Power Of Attorney despite it being fully signed and executed. The bank states that I must have the Power Of Attorney notarized, however, XXXX is not a signatory to the Hague Convention and thus is not allowed to do international notarization. At the same time, the XXXX XXXX provides notarization services but traveling to and from the XXXX XXXX and paying the notarization fee is beyond my financial means. 
2. ) Other means such as sending the checks to XXXX, signing the checks, then sending them back to the US and then having my mother deposit the now endorsed check. It works but because of the shipping times involved, some of the checks become stale dated and expired, thus limiting my ability to gain access to my funds. On top of this, the additional shipping costs are unreasonable for small dollar checks. 

In review of the California Statutes regarding notarization as listed here : XXXX, I would like to inquire if the bank with allow a signed power of attorney with two witness signatures, in accord with Section XXXX. Please promptly advise and I will have a Power Of Attorney signed with two signatures made available to the bank for review. 

Finally, in review of the CFPB guidance regarding POAs and similar options listed here : XXXX and XXXX, I would like the bank to explain if there is any other method, option, or service that could allow me, or a family member acting on my behalf to cash the checks. 

You may call me at XXXX or contact me directly at XXXX Sincerely Yours , XXXX
Consumer complaint received 2016-06-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo is charging me for XXXX overdraft fees instead of just XXXX. On Friday, XXXX/XXXX/16 at approximately XXXX, I had approximately {$1000.00} in my checking account. at around XXXX when I checked again, XXXX items had come in electronically. XXXX was for {$20.00} XXXX return fee, and XXXX was for check # XXXX for {$36.00}. That left me with a balance of approximately {$990.00}. When I checked my account again at XXXX, the balance was still at {$990.00}. I checked my account again at approximately XXXX check # XXXX came in for {$1400.00}. That would cause my account to overdraw and leave me overdrawn for {$430.00}. 
I made a deposit on Monday Morning for {$340.00} which should have left me overdrawn for about {$92.00}, Well Fargo charged me for XXXX overdraft fees of {$35.00} each which left my account overdrawn for {$190.00}. I should only have been charge for XXXX overdraft fee for the check that came in for {$1400.00}, not for the XXXX items of {$20.00} and {$36.00} which came in in the morning when I had {$1000.00} in my account,!! 
Wells Fargo does this all the time, and it is called " re-ordering '' meaning how they process things for payment so they can maximize overdraft fees!!!!! You could also look at this case as a " high to low '' checking incident. I want to know how a bank can charge you XXXX overdraft fees, when clearly the XXXX electronic items that came in in the morning were covered by the funds in my checking account!! 
I am willing to pay the {$35.00} fee for the check number XXXX for {$1400.00} which caused the account to overdraw, but not for the other XXXX. I want {$70.00} returned to my account. 
I wrote to Wells Fargo about this, and got the usual explanations about how they process transactions, which makes no sense ( except to them )! 
They have now passed my case to their executive office. 
Why are they allowed to do this? 
I believe that they were sued about this, yet it continues!! 
Why are they allowed to charge fees of {$35.00} for overdraft, when it clearly does not cost that much!!! 
I am grateful to them for covering my checks ( most of the time ), and I am willing to pay the fees for that, as I have in the past, but I am not going to pay fees to cover items that I had money in my account for at the time they were presented. That is criminal. I do not know how they can do this, and have been allowed to do it. 
I am a XXXX XXXX XXXX woman who works XXXX jobs to support myself and my XXXX XXXX XXXX XXXX mother. I can not afford these fees. I am paying out of my own pocket at least {$200.00} per week for a caregiver for my mom while I am at work. 
I need this money returned to my account, and I am turning to The CFPB for help with this. 
This practice needs to stop. 
Thank you, XXXX XXXX
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2016-02-03
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: SECURITY FINANCE CORP (ID)

First, when I called Maverick Finance in XXXX Idaho, to make a payment they refused it stating it was n't enough money. Second, After calling me several times a day for weeks I asked them to quit calling and harassing me on 3 separate occasions. Thirdly, they have started coming to my home, yelling at me and demeaning me and demanding money that I do not have. They repeated that any money I could offer was not enough for them. They are bullying me and trying to intimidate me at my home. In my opinion them refusing payment means they do not want my money, they just want to abuse and bully me. I am now scared to answer my door, and my kids going outside for the fear that they might harass my children.
Consumer complaint received 2015-05-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OH)

My Loan was sold from XXXX XXXX to Nationstar in XXXX of 2014. Before the sale could be complete XXXX paid all property taxes that were past due and for the next XXXX month 's. This was not at the request of me. I had already worked with the city to make monthly payments to get my property taxes current within a 12 month time period. After Nationstar took over the loan they want one full year of escrow to catch up the payments. After 30 hours on the phone with Nationstar and XXXX we worked out an agreement to add it to the mortgage payment and pay this back over a 1 year time span. During the time I continued to make the mortgage payment for the amount I had always paid XXXX. Once this was agreed upon I started making payments for the new agreed upon amount. Seemed good for a minute but the phone calls kept coming and now they were stating we were 1 month behind. After reviewing the payment confirmation numbers with Nationstar we figured out that the last payment I made to XXXX should have went to Nationstar. I got Nationstar and XXXX on the phone together and got them to recognize this. But still the phone calls keep coming. I have confirmation numbers showing all payments have been made but everytime I talk to them the amount we are behind keeps getting larger.My mortgage payment is already 30 % largerthan it used to be and they still say we are behind but ca n't explain why.