davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX, 2015 my house burned down in the XXXX XXXX in California. My insurance company issued a check to cover the house on XXXX, 2015 in my name and Wells Fargo Bank as they are the loan holder. After Calling The wells fargo main number I was told to take the check to my local branch in XXXX on XXXX XXXX, where they would endorse it and I could then pay them off. I made an appointment with the Assistant branch manager XXXX XXXX on XXXX XXXX, 2015. XXXX XXXX while talking to someone advising him over the phone told me I would have to sign the check then they would mail it to their main branch, where it would be processed in 10 to 14 business days. Once it was processed they would deduct the {$52000.00} plus owed to them and send me a check for the balance. I protested and asked if I could pay off the loan now then simply have them sign the XXXX check. They stated they could not do that because once I paid off the loan they would no longer be a signatory on the XXXX check. I told them this was ridicuoous, but I was forces to comply by signing the XXXX check whereby XXXX put it in a large envelope and said it would be sent out right away. And that I should receive a check from them in 10 to 14 business day. Today almost 3 weeks later I called the main Wells Fargo phone number to check on the status of my money. I was told they had not received the check I was talking about. I called XXXX, he stated he remember logging the check out and mailing it. He too checked with the main office, they also told him they still had not received the {$540000.00} check from XXXX endorsed by me. They were claiming the recent holiday must have messed up the mail, they kept saying XX/XX/XXXX but I suppose they meant XX/XX/XXXX, at any rate one holiday would n't slow down the mail for 3 weeks. I have no iddea what Wells Fargo is up to other than possibly complete incompetence, but I '' ve been waiting 3 weeks for this money so I can move on with my life. I would really appreciate any help you can provide.
Consumer complaint received 2023-07-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MI)

Hello I recently talked with the debt collector about said credit card debt they say I owed, but I told them I paid it off 2 years ago they still are reporting it as owed and calling me and sending me letters saying I owe when in fact my state taxes was garnish to pay said owe debt and my work wages was also garnished. I emailed them, called them, and provided proof the the amount was satisfied within my local courthouse. I filled numerous disputes and provided proof and they still reporting it on my credit report and harassing me about the debt. The amount owed was XXXX from XXXX XXXX XXXX but the company lvnv had the debt and the courthouse paid lvnv company, so XXXX XXXX is trying to get payment on an old debt that was paid. I also paid off XXXX XXXX and they are also trying to get me to pay them a second time when they surd me and garnish my state income tax. These companies are still reporting the debt as owed and trying to force me to pay a second time.
Consumer complaint received 2016-06-02
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: WELLS FARGO & COMPANY (MD)

I only owe on XXXX student loans. Wachovia whicj turned into wells fargo claims i owed them. For years i have disputed only on their account, asking for paperwork. Something about the loan to see if i owe. They never responded. I opened a bank account with wells fargo, no one at the bank said i owed anything with student loans. When you open account with wells fargo they claim to run your social security number to see if you have any other financial relationships with them. They didnt inform me. If they did. I wouldnt of felt comfortable opening an account with them. I had an account with wells fargo for 6-7 years. Not at anytime have they sent me a letter on the student loan. No one ever called me to collect debt. And wells fargo had my current information. I had an active account with them. Years later i fell on hard times, i XXXX, my children and i were in a shelter. I had just finally received my income tax. Wells fargo withdrew {$6000.00}. From my checking wih out any notice. I called wells fargo and complained. Again asked for proof, they stated they dont have to give me proof. I said yes you do, refund my money. The man who was supposed to be my account manager who never contacted me. Got nasty with me. Rude. Even laughed when i told him i needed my money. That i am in a shelter, i have a XXXX. I continued to ask for proof, paperwork, i dropped out of college. Maybe the school took out a loan on my behalf and kept the money. I dont know. I know i dont owe wells fargo. Only on my federal student loans which has always been in good standing. Till this day i have never got my money back. No proof, no information on the debt that i requested so many times. Even the credit bureaus erased the information because Wachovia never sent me information on the debt they claimed i owed. Plain and simple. Wells fargo/wachovia never contacted me, never provided information about the debt. And out of no where just withdrew my money at the worst time. The account manger in the student loan department got nasty with me. Rude. I asked to speak to his supervisor. She said she wasnt giving the money back. And that i need to contact the school. I did contact the school and no one got back to me. If i got a live person they would transfer me to a machine. And no one has returned my call. I still till this day have never received any information and they just stole my money from my account. I believe this was a fraudulent loan. No one provided any proof or information
Consumer complaint received 2016-09-26
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (IL)

I am very upset for the reason I have tried to work directly with my new mortgage company Wells Fargo.However they do not want to review my loan for a modification, I provided my income and my sons contribution for proof of income. However ; Wells Fargo executive office did not helped me they just turn me down. At this point I am doing all I can to safe my home, my home is severely under water. With the income I have I am confident I can keep up with an affordable mortgage payment. But Wells Fargo is just prolonging my loan making me fall behind more, the executive department advice me that even with the increased of income my loan is not eligible. This is not acceptable because I was told by an agent from Wells Fargo if there is a change of income I can always re-applied. Therefore I have and nothing is been done. For the record my intentions were not to fall behind but due to my divorce and extreme loss of income it was impossible to keep up with my mortgage payments. I have my rights as a home owner and I know my loan is not been review fairly. For the reason that I summited a complete modification packet on XX/XX/2016. Then is was denied XX/XX/2016. Wells Fargo just took six business days to review my documents how is this a fair review. Please help me I do not want to loss my home. My monthly income is {$2600.00} this includes my son contribution, and my monthly expenses are {$2300.00} this includes my current mortgage payment also I have a surplus of {$320.00} at the end of the month. I do have enough for an affordable payment, they keep changing my information. Due to all of this I believe that Wells Fargo is engaging in fraudulent and deceptive practices, they are basing most of their information on assumption, even though I have provided all the necessary documentation. I need assistance and I hope a solution is found to this ongoing issue.
Consumer complaint received 2017-02-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

" funds received '' of {$1000.00}, on XXXX/XXXX/XXXX as Doc XXXX shows under " activity since your last statement ''. same statement dated XXXX/XXXX/XXXX under " important messages '' part of which reads " starting XXXX XXXX, XXXX checks will be sent for all refunds, regardless of amount. '' no check but, a credit to my account. Wells Fargo did not do as statement reads. same mailing as Doc XXXX & XXXX explain the reason for refund and a credit ( not a check ). Wells Fargo did not allow me to be in control of the money they took from me. then after getting caught taking my re-fund they decided to add the amount to my principle. I feel it was not right for Wells Fargo to make this decision without my consent via the above rule that they stated in writing about overages. 
Wells Fargo added insult to injury as Doc XXXX show a " XXXX '' for {$1000.00} as received XXXX/XXXX/XXXX in which I had to pay taxes on the amount credited it the principal of my loan, which was a loss around {$200.00}, that I would have gotten back on my taxes. 
Doc XXXX shows more interest income for {$24.00}. I believe I have never received that refund, and I had to pay taxes on that amount as well! 
Wells Fargo has taken money from me, returns it to me but, decides to pay on the principle of my loan which benefits them ; and only after getting caught then you know what those nice folks did next, why yes, I have to pay taxes on the money they took form me, and already paid taxes on to pay the taxes again. Therefore, the end result was that I paid taxes twice on two different amounts, I believe that is double dipping and I am sure this is not legal. Also, they did not follow their own written policy regrading overages and refunds. 
When I called Wells Fargo on XXXX/XXXX/XXXX to inquire about this concern I was told that, " well sir we could sent you back the payment you just made at the XX/XX/XXXX ''. I thought, no thanks if I took that offer I would have to pay taxes on that in XXXX. During the same conversation they had the audacity to ask if " would you like to refinance with us '' not now but thanks for nothing.
Consumer complaint received 2016-01-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo bank engages in punitive practices by not accepting bank transfers into checking or savings, from other banks UNTIL the close of business on a day when the transfer bank shows the money has been successfully transferred out. This results in penalizing the consumer with Insufficient Funds fees to primary checking, and transfer fee penalties assessed to the consumer 's Wells Fargo back up savings or credit card accounts. 
Wells Fargo refuses to make proper credits to the consumer, and then has free use of the transferred funds until the close of business. This is PREDATORY. 

UPON COMPLAINT, Wells Fargo reversed the charges, thereby WIPING any trace of this fraud. Attached account records.
Consumer complaint received 2015-09-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TD BANK US HOLDING COMPANY (CA)

I do not know who opened the account and didnt until account showed up on my credit report. I filed a police report and submitted other required information to Target and to all credit reporting agencies, however XXXX and Target refuse to remove this information from being reported correctly. XXXX claims all Target has to do is say it my name address and ss # and it stays, Well that is the VERY information the person committing the fraud uses to obtain said credit in my name.. 

Ive even submitted copies of fraud activity removed from all agencies from 2004. This is my life and I feel like im being played with from all angles and Im gon na fight this until its corrected because im tired of it all. It impeads on my credit scores, my ability to purchase, and its extremely stressful to have to deal with this.
Consumer complaint received 2016-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ResidentCollect, Inc. (TX)

I SENT A DEBT VALIDATION LETTER TO RESIDENT COLLECT IN XX/XX/XXXX THEY NEVER SENT BACK PROOF OF DEBT, THIS IS VIOLATION OF FCRA, FDCPA, I WANT THIS DELETED FROM MY CREDIT REPORTS NOW.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-05-10
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX, XXXX To Whom This May Concern : I am writing this email to try and resolve this issue, which we have attempted more than a dozen times. 
My name is XXXX XXXX XXXX, and I once had an account with Capital One. 
Sometime in XXXX XXXX, I purchased a subscription from XXXX for {$89.00} with a one week free trial. The site turned out to be very difficult to access, we have tried multiple times and gave up. Before that one week trial ended we wrote them an email cancelling the service, so we do not get charged the monthly fee of {$89.00}. When we got our statement the following month, we were still charged the {$89.00}, so we contacted Capital One and disputed the charges. We were asked to send in the documents that prove the cancellation. We have sent all the required documents by mail with return documentations about four, faxed it four times with confirmations of receipt on your end. Each time we get our statements, the {$89.00} keeps showing up as overdue, and in fact we have called Capital One many times, and each time we have to explain what happened and every time customer service pulls our file, there is nothing showing that we sent all the documents. This circle had gone on for more than 2 years since XXXX XXXX and after we gave up on contacting CapOne, we started getting harassing calls from CapOne/and or collectors on behalf of CapOne. Now the balance showing there has ballooned to more that {$330.00} and was reported as of course a negative one. 
Up to this day we are still getting the impact of that false report, have disputed it to the credit bureaus and nothing has been done. 
Now it is XX/XX/XXXX, and the false report and ballooned balance is in my report. This is not fair and we need to come up with a resolution to this matter. I can offer to pay the {$89.00} which is the original amount of that cancelled subscription, and in turn Capital One remove that false report on my credit. 
I appreciate an immediate action to this matter, not months or years. 

Sincerely, XXXX XXXX XXXX SSN XXXX
Consumer complaint received 2016-10-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This collection agency called PORTFOLIO RECOVERY is alleging that I owe money to XXXX XXXX XXXX. I have not received any letters from collection agency as proof and they place a negative mark on my Credit Report without notifying me in writing.
Consumer complaint received 2015-09-16
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

XXXX XXXX XXXX with a XXXX XXXX XXXX submitted a request and Writ for Garnishment for a student loan which was consolidated with other student loans. They froze all my parents bank accounts dated XXXX XXXX, 2015. Still to this day, even after agreeing to pay a settlement amount, they have not notified the courts, took the money, or notified anyone, including myself. Also, they did not provide the original loan agreement. I believe this is another company like Portfolio Recovery. I have no information regarding this matter except for the Writ for garnishment. Also, this debt is past the statue of limitations.
Consumer complaint received 2015-07-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc. (ID)

I had my info hacked as a result of identity theft, result being I received a bill from XXXX for services in XXXX. I have filled out all the forms and send copies of all pertitent info on this bill and mailed to Credit Collections Service of XXXX.I have not heard from this collection service since?
Consumer complaint received 2017-01-30
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Big Picture Loans, LLC (GA)

I applied to receive a loan from Big Picture Loans.com XX/XX/2017. The loan was approved for {$550.00} and the funds were deposited in my bank account on XX/XX/2017.The agent stated if the loan payment is made 3-4 days prior to the due date, no finance charges would apply. I contacted the company on XX/XX/2017 to repay the full loan amount of {$550.00}. At this time the agent stated it could not be done due to the over {$200.00} finance fees. I requestd to speak to a supervisor and was transferred to XXXX # XXXX who stated I needed to cancel the loan within 2 days or repay the loan by XX/XX/2017. The loan agreement does not state to pay by XX/XX/2017 in order to avoid finance fees. I only used this {$550.00} less than 30 days and impossible to cancel within a 2 day period when that option was not clarified. Plus the effective date of XX/XX/2017 was for funds could be received prior to this date has nothing to do with repayment by XXXX. Had I had been thoroughly made aware of BiqPictureloans, com interpretation of the loan agreement versus what I understood it to mean, I would not have accepted this loan of {$550.00}. I believe this company is deceitful and predatory. I want to repay the loan amount I received and nothing more on XX/XX/2017 and have the loan closed out. I want to report this company to your department that is attaching a 559 % annual to their loans. Please forbid this company from doing business in Georgia.
Consumer complaint received 2023-08-10
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-01-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (TX)

I use Rushcard services for my military XXXX deposit, my money goes in on the XXXX and I try to pay may bills but the card is decline. The card I 'm using expiration date is XXXX. So I call customer service and they say the card no longer works because the new card they sent out came back to them for the wrong address. I tried to explain to them that my card is good til the end of the month but the service rep told me that 's how their system works. Even though I have to accounts with them I still can not touch my money. Now the rep tells me to verify my address so I did, the rep then says the card would be in the mail in 2 days. Those days have pass and still no card because they sent the card to the wrong address again. We are now on day 3 and I 'm told they sent it to the right address and ups got it wrong. Mean while I have XXXX accounts with them and they would not make my money available to me. I have child care, cable bill and etc that are due when due otherwise there are no services. A rep sent me an email at XXXX stating they know how frustrating it could be and I might have a card in 3 to 5 days but if I need my funds immediately to leave them my contact information so I left my contact information and now there 's no reply.
Consumer complaint received 2016-11-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Portfolio Recovery Associates continues to send me collection notices for I debt that I do not owe. I 've advised them numerous times to stop sending me letters and they continue to send them to me. They were also calling me on my cell phone multiple times a day without my consent. I advised them at least twenty ( 20 ) times to stop and they did not. I ended up blocking their calls so I am not sure if they are still trying to call me. The latest letter is dated XXXX/XXXX/2016.
Consumer complaint received 2017-03-09
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: DriveTime (KS)

On XX/XX/XXXX I purchased a XX/XX/XXXX XXXX Note from DriveTime in XXXX, KS. The Sales Representative XXXX said the " optional '' warranties were cancellable. We stated we did not want them prior to the contract and sale. She did not act to remove the warrantee products that were financed. I should have known better. She gave me the understanding that they were required, despite the optional nature indicated in the contract. This was recorded. There should be a record that we did not want the warranties. Her inclusion of the XXXX products in the contract should not have been done given our misgivings about the products and the lack of need for their coverage on a XXXX mileage vehicle. DriveTime has a history of sanctions by this Federal Agency for collection practices. This sales practice is unfair and deceptive. The warranty should not be automatically produced in the contract for the sale, increasing the almost XXXX percent APR financing of the {$5200.00} for GAP, Service and Anti-theft warranty products. I signed the contract with the understanding I did not want these XXXX products. The representative failed to remove the products from the contact, stating they are cancelable. I was not able to execute the cancellations until today, XX/XX/XXXX. The product is prorated and financed. I requested their customer service representative to pull the video of the contract signing. I specifically stated I did not want these products and the sales representative failed to remove them.
Consumer complaint received 2023-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

On XX/XX/2023 I submitted a complaint requesting TSI to provide validation of the debt they are trying to collect as required by the FCRA. They sent me a copy of a bill from an unknown creditor saying the bill provided was their proof of validation which is incorrect. Due to TSI disregard for law I am submitting another complaint to have this account removed from their records and any and all other agencies they've reported this debt to.