davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo has opened a checking and a savings in my name and ran my credit for a credit card without my knowledge and signature, I have filed a police report about this situation and have hired an attorney to represent me, I have went to Wells Fargo about this before and was hung up on and told I was a liar but I did provide documentation to show that my information was used illegally without my permission, I will carry Wells Fargo to court and sue Wells Fargo for illegally opening a checking and savings account in my name and they also tried to open a credit card in my name all facts have been turned over to my attorney, I try to report this to the store manager and district manager and they try to offer me life lock, this was an admission to what Wells Fargo done, I want a settlement for neglige nce, fraud, identify theft, punitive damages, illegal use to check my credit report, if not re solved my lawyer will file this action I 'll take it to court, I can get more in court, this needs to be settled out of court, Wells Fargo has manipulated it 's customers and lied, this has gone far enough I want this settled
Consumer complaint received 2017-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (TX)

Recently I applied for a credit card thru  Wells Fargo  I was approved for the card when I call to activate the card I was told I would need to go to my bank and have the banker call them and I would need a Id. Since their was no wellsfargo banks near me going to my personal bank would be ok. Well did this four times and I live 15 miles out of town after the fourth trip I was told I would have to step into a  Wells Fargo  bank so I drove to  XXXX  Texas which is about a three hour trip from my home to take care of this. I met with the banker their and she was very helpful made copies of my Id and copies of  XXXX  bills they needed. So i left with the understanding all was good then the next day they wanted full pages of the bills so trip back to town to fax the copies. The very next day  XXXX  get a call from a lady that said she never received them I said I have confirmation that you did she said the fax machine was at the other end of the building and she had not looked yet. They kept telling me that a hold had been placed on the card because of recent activity that had been on the card and to activate I would need to call the number provided so we could clear this up we 'll soon as I would call they would tell me that they could not discuss this matter with me that I would need to step into the branch to get it cleared up but the letter I received clearly stated that I was to call them. Each time I was told the same thing. Still I have not got a straight answer because they will not discuss it with me. The lady that had helped me at the  XXXX   XXXX  branch in  XXXX  filled a complaint on them Also. They have lied to me cost me money and time jumping thru all the hoops and they want talk to me about a card that has my name on it yet they are telling me that 's it 's activity on the card but the card has never been activated. Something very shady about this hole deal. I have dates for each event that has taken place emails sent to them And records of all of it. I this normal practice for a bank because it does n't seem Very professional my bank even thought it was strange. Why send me a letter telling me to call them to get the matter cleared up then tell me they can not discuss it with me. Biggest dog and pony show I 've ever seen. Can you please tell me what I need to do. The card is showing up on my credit report and shows the balance but I ca n't use it.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

A negative inquiry from XXXX XXXX was placed on my TransUnion credit report. I was never informed XXXX XXXX placed me for collection for {$87.00}, since then I have paid the account, thus bringing the balance to {$0.00} and the account has been cancelled.
Consumer complaint received 2015-12-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

To Whom this may concern, This is my third attempt to try and resolve my issues with US Bank outside of the court system. US Bank is reporting me to XXXX even though they said, : " If you pay the amount off in full, we will update and remove you from XXXX. '' I have over a dozen calls logged to US Bank along with some letters. In addition, because I opened my account online, I did n't have a home branch to work with, like the US Bank representatives requested I did. My last letter from US Bank referenced " fees '' after I expressed that I felt I was charged in excessive. Per the letter, each branch will have " fee '' brochure available in the lobby. After visiting the XXXX XXXX, Ca lobby ( pictures attached ), I was unable to locate them. SO, I was never provided the fees nor does this branch have them available, at the time I visited. If US Bank is not going to remove me from XXXX 's I would like to know why since the transaction was under {$100.00}, but I paid over {$200.00} in fees.
Consumer complaint received 2017-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (GA)

I was selling a household goods item - the person that bought it sent me a Wells Fargo Check for {$2000.00}. I deposited it into my Wells Fargo checking account. The company picking up the item for the individual was paid by me out of that {$2000.00} - a sum of {$1000.00} to pick up and transport the item ( about 40 feet of solid surface countertops, a sink, and a range ). As it turns out, it was fraudulent - the persons that sent me the check fraudlently drew a check on someones account, sent it to me. The bank took the {$2000.00} from my account, of which only {$1000.00} was left. So ... I am out {$1000.00}, the person to whom it was taken from is whole, the fraud perpetrator is up {$1000.00}, the bank is whole - it was a Wells Fargo check and I deposited it into a Wells Fargo account. I am the only one that was punished and I was as much a victim of the fraud as the other person. I thought fraud protection was one of the things the bank was supposed to help prevent, help make clients whole ( they do it for credit cards that they charge you 20 % on ). I have copies and specific dates as needed.
Consumer complaint received 2017-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AL)

I requested validation/verification of this debt through the credit bureaus in  XXXX  of  XXXX . The debt collectors refused to do so and the credit bureaus deleted them off of my credit report between   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  . I have no recollection of this debt and according to my past credit report, this debt is almost 10  years old . Now, the SAME collection company sent me a letter dated  XX/XX/XXXX  to try to collect the debt once again AFTER their refusal of verification/validation.
Consumer complaint received 2017-02-28
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was only about XXXX or XXXX when I had a lady from Kohl 's Department store call me about paying off a debt who ended up making me feel even worse than I already did about owing money. When I explained to her that I could not pay anything because I was trying to finish school and that I paid for all of my own bills without help, she told me that I need to grow up and pay off my debt like a normal adult human being. She asked if I it made me feel good having debt. I do n't remember what I said back to her exactly but her words stuck with me and made me feel for a while. I felt horrible for owing money. I wanted to be responsible and take care of the debt but under my circumstances at the time, I could not.
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

CREDIT REPORTING AGENCY SAYS THEY VERIFIED A BANKRUPTCY ON MY CREDIT FILE. THEY REFUSED TO IDENTIFY THE SOURCE OF THE VALIDATION. I CONTACTED MY LOCAL FEDERAL COURT HOUSE AND WAS INFORMED THAT THEY DO NOT VERIFY BANKRUPTCY INFORMATION. SO IF THE CREDIT REPORTING AGENCY CAN NOT PROPERLY VERIFY ANY PUBLIC RECORDS ON MY PERSONAL CREDIT REPORT THEY NEED TO REMOVE THIS PUBLIC RECORD AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT.
Consumer complaint received 2016-10-15
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Professional Recovery Management (TN)

This account was paid in full before being sent to a debt collector. 
It is still showing up on my credit report as a derogatory account of {$9.00}, and has for the last 3 years. It should be removed from my credit report, since all agree that it is not owed.
Consumer complaint received 2017-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (PA)

We mailed full payment of {$67.00} due  X/XX/17    to Target on  XXXX . Due to two federal holidays that week, payment was received and posted by  Target  1 day late. We were out of town for 3 months and did not have mail forwarded as we pay all our regular monthly bills electronically so we did not see notice that Target received our payment  one  day late. Cumulative fees were charged each month until we returned home on  X/XX/17    and found a bill in the amount of {$96.00}. This was only for late fee s (  late fees on top of late fees each month  )  even though  Target   received payment in full in  XXXX . I contacted Target several times and finally spoke to a supervisor who said they could not waive the late fees even though payment was made. I sent a letter appealing to  Target  headquarters that this seems unfair and excessive particularly since bill was paid. I received no response. We pay all our bill on time, in fact we pay early and are proud to have an excellent credit rating. Target reported this incident to the credit bureaus which undoubtedly will impact credit rating. I feel this practice of charging late fees after a bill is paid is unfair and excessive and impacts our credit rating and we paid more in late fees than the actual bill even though they were paid.
Consumer complaint received 2017-04-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: National Enterprise Systems, Inc. (AZ)

In XX/XX/XXXX I was initially contacted by XXXX XXXX and their collection company. I began to be harassed constantly at work, home and was placed on notice from my job because of the constant calls. I informed them that I had just begun the new job and prior to that was homeless and unemployed. They continued to harass me and threatened wage garnishment. I filed a complaint against both companies with CFPB and the Attorney Generals Office. The company responded that I would be given a temporary postponement because I had just gained employment. Although this was the response given to the both the AG 's office and CFPB I continued to be harassed by the company and had to submit packets every 4 months showing when I began employment and when I would reach a year. In XX/XX/XXXX I received notification from both companies again stating that a claim of wage garnishment would be filed with my work. I again continued to be harassed with calls and notifications and I explained that I had no money to pay them. I again filed complaints with the AG 's office and CFPB because they were unwilling to work with me. On XX/XX/XXXX I was notified that I would be allowed to have a wage garnishment hearing and on XX/XX/XXXX I received notification that the company could take 0 % in wage withholding because of the hardship it would cause. After the notification was received I began to be harassed again by both companies. They continue to call me on a daily basis and on XX/XX/XXXX sent notification that they will be placing a Order for withholdings again!!! It has been less than 3 months since my hearing where it was stated that they could not take wage earnings from me and again they are harassing me and attempting to get an order against me.
Consumer complaint received 2015-07-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (KS)

I am attempting to work with my student loan lender. I do, however, wish everything to be in writing that I can save for my own resources. I have difficulty understanding speech over a telephone, in addition to being afraid to speak through one. I would not be able to fully understand what is being said to me through a phone, and I fear I will agree to something that will not sufficiently help my case. I suffer from XXXX and XXXX that affects my health for days after a phone call. Although I have explained this through email to the company, they have stated that they can not work with my case through email or mail. The only communication I 've received is in the form of a telephone number. I have also received threats against my paycheck in the form of garnishments and my tax return. I have attempted to make payments where and when I can, but my current bills already exceed my pay by XXXX dollars. I receive help from my parents for some of my bills. My daughter is XXXX and needs more care than I am able to find elsewhere, and so I can only work XXXX while she sleeps XXXX nights a week. That leaves me with a night schedule, which I must reverse during the school week to take care of her, and reverse again to do my job well. I have also received the notice that the only legal service in my state that could assist me refuses to assist in discharging private student loans. I am at the end of my rope, with little choice in how to proceed.
Consumer complaint received 2017-04-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: United Student Aid (USA) Funds (AZ)

In   XXXX   XXXX   I was initially contacted  by USA Fun  ds and their collection company. I began to be harassed constantly at work, home and was placed on notice from my job because of the constant calls. I informed them that I had just begun the new job and prior to that was homeless and unemployed. They continued to harass me and threatened wage garnishment. I filed a complaint against both companies with CFPB and the Attorney Generals Office. The company responded that I would be given a tempora ry postponement because I had just gained employment. Although this was the response given to the both th e AG 's office a nd CFPB I continued to be harassed by the company and had to submit packets every 4 months showing when I began employment and when I would reach a year.   In   XXXX   XXXX   XXXX   I received notification from both companies again stating that a claim of wage garnishment would be filed with my work. I again continued to be harassed with calls and notifications and I explained that I had no money to pay them. I again filed complaints with the  XXXX  's office and CFPB because they were unwilling to work with me.     On  XX/XX/XXXX  I was notified that I would be allowed to have a wage garnishment hearing and on   XXXX   I received notification that the company could take 0 % in wage withholding because of the hardship it would cause. After the notification was received I began to be harassed again by both companies. They continue to call me on a daily basis and on   XXXX   sent notification that they will be placing a Order for withholdings again!!! It has been less than 3 months since my hearing where it was stated that they could not take wage earnings from me and again they are harassing me and attempting to get an order against me.
Consumer complaint received 2017-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (FL)

I,   XXXX   XXXX  , never opened the credit card reporting on my credit reports. It 's a   Wells Fargo card.
WELLS FARGO CARD SERVICE   #  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  IA  XXXX  (  XXXX  )  XXXX  Date Opened :   XXXX     This account is fraudulent, I never authorized this card, I never applied for this card, and I never made any charges or received any merchandise related to charges on this card.     Several pages later on this complaint you ask me for the billing address on the credit card. I tried to leave it blank because I do n't know. It would n't allow me to continue so I was forced to say it was the same as my mailing address.
Consumer complaint received 2017-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Let me start out by saying that I love USAA bank and even after what has happened will probably continue to bank with them. I am just shocked by what happened. On   XXXX   XXXX   XXXX   I reopened a checking and savings account that I previously had with USAA. I have been a member since  XXXX . Upon opening the account I also opened a Secured  XXXX  Credit Card account that is attached to a CD. I deposited {$30.00} in checking and {$30.00} in savings. On   XXXX   XXXX   XXXX  , I noticed the money I had deposited into my checking and savings was gone and my checking and savings account had been closed. I contacted  USAA  and was advised by a service rep that I had a balance and they took my money. I then advised the rep that I filed a bankruptcy in   XXXX   with  USAA  listed for banking and auto/Case  XXXX . The rep advised me that upon opening my account I signed some type of disclosure statement indicating that they could collect any money owed. I was never notified that I owed anything to  USAA  after bankruptcy. They have never contacted me about any debt which I thought was normal due to bankruptcy. I was shocked to know that they took my little bit of hard earned money right out from under me without any notification. Because I love the bank so much I probably would have still just paid the balance and reopened my account at a later date if they informed me of what was going on. I feel like I was misled and was saddened to know that USAA would allow something like this to happen without any notification to me, the consumer. Why even allow me to open an account if I owe a balance. Just really disheartened that this has happened. I am trying to rebuild my credit and buy a home. USAA was going to be my bank where my savings would go. My first {$30.00} towards savings is gone.
Consumer complaint received 2017-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (FL)

My complaint involves my mortgage servicer 's rejection of a principal reduction payment, after several years of accepting such payments. My loan servicing was transferred to Seterus a few years ago. I have a loan modification where my interest payments are escalating to a maximum of 5 %. Under the modification agreement I recently received a credit of {$5000.00} for making timely payments. Seterus subsequently offered to recast my loan ( crediting the {$5000.00} to reduce the principal of the portion of my loan that is subject to interest charges - I have an additional loaned amount where the interest is currently deferred ). I accepted the recast offer. For the last few years I have routinely paid Seterus extra each month, to reduce the principal of my mortgage loan that 's subject to interest charges. These added payments have been accepted and show on my past statement as " principal reduction payments. '' So I was very surprised when I received my XXXX 2017 statement, to see that while I was credited with a {$49.00} principal reduction on XXXX XXXX, 2017 ( made as an addition to my due XXXXX 2017 mortgage payment ), Seterus then reversed that added payment on XXXX XXXX, 2017. The statement was accompanied by a sheet titled, " Explanation for Holding Payments in a Suspense Account. '' That sheet does not refer to principal reduction payments, and its language implies they are holding my principal reduction payment to apply toward my next mortgage payment. ( I had already sent them my XXX 2017 payment before receipt of the statement, consisting of due payment in full plus an additional principal reduction payment. ) This is the first time my principal reduction payment has been reversed. I do n't understand why I can no longer make added payments to reduce principal. I have been unable to reach Seterus customer service by phone after attempting to do so a dozen times. I then sent an email to their email address as listed on my statement, and it bounced back as not being accepted by their server, even though the address is correct. Can you help me get this straightened out?
Consumer complaint received 2017-04-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

We have been making payments though  Ocwen ' s website. When we submitted the request for our  XXXX  payment, we received an email fro m Ocwen which states the following : Thank you again for choosing to participate in Ocwens Automatic Clearing House (  ACH ) program to have your payments automatically withdrawn from your bank account. Based upon your request and approval, we have enrolled you in this free service and your first payment withdrawal date is scheduled for  XXXX / XXXX /  XXXX  .     We did not request to be enrolled in the  Automatic Clearing House program. I called our relationship manager at Ocwen t o request to have us removed from the program. He just told me to cancel the payment. I am not sure if doing this will withdraw me from the ACH Program.
Consumer complaint received 2017-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Capital  One Auto Finance has been reporting unverifiable and inaccurate information on my credit which has da maged my credit and I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal.
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

There 's a  XXXX  name showing up on my credit report  XXXX   XXXX   XXXX  that is not my name, I have never used an alias name I always use my name which is  XXXX   XXXX   XXXX  I have no other name.