davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-19
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (VA)

I ordered something on the internet and thought I was using PayPal where they immediately take it out of your checking/savings account. Months later I received bills from PayPal with several late charges for a credit card that I did n't know that I had. I called them and told them that I did n't know I even had a credit card account with them, and they removed some of the charges but said I still had to pay {$26.00}, which I did. However, I received ANOTHER bill for late charges because they said I did n't " call back and make arrangements to pay the bill over the phone. '' I told them I had already given them a date that I would pay it, which I did on said date, and they said " you have to call back and tell us that and we can not remove this late charge now because you did n't call us back to tell us the date you were paying. ''
Consumer complaint received 2015-09-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Financial Credit Service, Inc. (CA)

I am writing on behalf of our business, an auto dealership, regarding harassment by a collection agency which arose out of billing errors on old invoice for transport services. Accounting needed to verify appropriateness of old debt invoices that were sent almost 2 years after the fact and paid all old invoices directly to the company. A balance remained that was being investigated and company referred the matter to collection agency with no notice to our company. Debt collection company claims entire amount assigned to them by other company including amounts already paid directly. Refused to investigate actual amount in dispute, threatened and harassed comptroller and contacted the undersigned using the foulest of language, screaming and repeated calls after written notification that the amounts were in dispute, to return the debt to the maker, and to cease all harassment.
Consumer complaint received 2015-05-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (OK)

In XXXX, I took out XXXX loans with XXXX XXXX, a private student lender. During the financial crisis, the company went bankrupt and the loan was sold off XXXX times and ended up being owned by Wells Fargo. Time passed and I graduated in XXXX XXXX. I was n't made aware of the multiple sales of my loans until Wells Fargo XXXX collections department called in XX/XX/XXXX XXXX. They harassed me and my parents with endless phone calls, threatening to take my parents ' home and sue me if I did n't make full arrears payments. I did what I could to make it work ; I got a new job and moved to a new city to earn a little more money ( my monthly payments on all my loans was around $ XXXX/mo and I only earned {$29000.00} a year. I made monthly payments but fell behind XXXX month. Within days, they charged off the loans and demanded payment in full. While they were threatening more legal action, I contacted attorneys, bankers, my legislators and the CFPB, and because my legislators and the CFPB contacted them directly, WF XXXX finally started to work with me on a repayment plan. 
Since that time, I have made consistent, on-time, in-full payments each month and have been attempting to rebuild my credit. I took a thorough look at my credit report recently and noticed Wells Fargo has been incorrectly reporting my repayment status ever since our repayment agreement was reached. It shows I 've been 90 days late at least XXXX times on each loan, and it 's simply not true. I 've paid on time each month, and have actually increased the payment amount I send them above our agreed-to amount. My credit report also shows that I have a past due balance on each loan, which is also inaccurate. Upon my initial contact with WF XXXX, the number of late payments showing on my XXXX credit report dropped from XXXX for each loan to XXXX for each loan, so obviously, someone at WF XXXX thought what they were doing was wrong, but those XXXX payments should still not be on my credit report. 
These specific items have prevented me from being able to get a small car loan from my credit union to replace my aging vehicle. Where I live, a person must have a reliable car to function - we do n't have good transit service. When I applied for the auto loan, I was told the loan was denied specifically because of these items on my credit report. 
I have attempted to remedy the situation by contacting Wells Fargo XXXX directly, but they claim they have the right to report my accounts in this way. I 'm not disputing the charged-off status of the loans ( though I do still think how they handled this was wrong in every way imaginable and the loan should still be in a normal status ). I am disputing the intentionally inaccurate reporting of my accounts as having been 90 days late XXXX times on each loan and having a past due balance on each loan. I would really like the CFPB 's assistance with the matter, because it seems it 's the only way anything will change.
Consumer complaint received 2015-06-04
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY (VT)

In XXXX I opened a home equity loan account with what was known then as T.D. North Bank in XXXX XXXX All went as was suppose to, I got my payment book, and began making my payments. The amount due was {$180.00}, of which I paid until in XXXX of XXXX I started to pay {$180.00}. A round up of XXXX cents every month. This was because of hearing from many sources that every extra penny paid toward the principle could help shorten the length of payments over time. When the bank now known as TD Bank stopped using payment books, I had to use their monthly statements that they sent to me to make my payments. No problem except I noticed that they were showing a lesser amount of money due each month, than the agreed {$180.00}. With a few calls I found that the amount due was still the same, but the they wanted me to use the extra accumulated funds toward the monthly payment, and not toward the principle. I have had this problem occur several times with this bank, and with frustrating calls to numb skulls who do n't any thing about banking, ending up talking to some one with some experience correcting the problem. Well it has happened again, I called when making XX/XX/XXXX 's payment, I was told it was taken care of. I got a print out from one XXXX XXXX, Loan Operations Supervisor. It showed my account from XXXX/XXXX/XXXX, XXXX payment on XXXX/XXXX/XXXX to XXXX XXXX of XXXX, as well as a letter telling me this was the information I requested. 
I think this speaks volumes to the incompetence of this financial institution. 
When I went to their web sit today to make my monthly payment, I found they had not applied the extra funds to the principle, in fact they are still floating as they have in the past. 
The amount due is {$180.00} per month, I pay {$180.00} each month. a surplus of XXXX @ month. The web site today showed I had to pay only {$170.00}, a difference of {$8.00}. Now if you do some basic math, {$8.00} - : - XXXX c = XXXX, that is XXXX payments I have made with the extra XXXX cents just floating, not applied as I was told they would do. 
I am XXXX, and on S.S., as well as with out transportation. That is why I pay every thing on line when possible.
Consumer complaint received 2015-11-13
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (NY)

Target billed me XXXX on XXXX XXXX with late fees. we paid the bill and have proof the check was paid to target via my bank. My bookkeeper and I have been dealing with target on a weekly basis since then to no avail. They have not process that amount and continue to add finance and late fee charges. We are always put on hold, told they will call us back and this never happens.
Consumer complaint received 2015-09-25
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (DC)

I signed-up for a Navy Federal Credit Union ( NFCU ) savings account using their web form. The ( extensive ) disclosure statement provides NFCU the industry-standard capability to monitor a member 's credit, presumably for specific targeting of services. I receive a credit monitoring notice that NFCU performed a " hard '' credit check XXXX the kind normally reserved for applying for loans and credit cards ) and not a " soft '' credit check XXXX the kind used by credit monitoring services and targeted marketing ). A representative tells me that NFCU *implicitly* reserves the right to perform whichever kind of credit check they like. I have two problems with this : ( 1 ) I did not apply for credit and ( 2 ) I do not believe that I provided consent for a hard credit pull.
Consumer complaint received 2020-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (PA)

I contacted the collection agency yesterday XX/XX/2020 to inform them that I dont owe or acknowledge the account balance that was owed to the account from the original creditor that claims that I owe them the amount of XXXX I would like for this account to be deleted because it is a fraudulent account not owned by me
Consumer complaint received 2020-11-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Thaxton Investment Corporation (MN)

XX/XX/XXXX or early XXXX the company replied my vehicle and auctioned off for 2 times the amount of the loan that was not put towards the debt not will they give me any confirmation of the price it was sold at and still want more money than I borrowed and will not give me any paperwork with my prior payment s or the original agreement
Consumer complaint received 2020-11-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2020 & XX/XX/2020 I wrote to you requesting an investigation into items that I are Inacurate and erroneous.To date, I have not received a reply from you or any acknowledgment that an investigation has begun. I feel like I am being ignored. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days, should be reason enough for these items to be deleted from my credit report. It has been well over 45 days so they should be deleted promptly. My information has been impacted by the XXXX data breach and may have fell into the wrong hands. 
I demand the accounts be deleted immediately or I will file for litigation due to the stress you have caused me.
Consumer complaint received 2015-04-04
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

We purchased a new car from XXXX XXXX of XXXX Florida on XXXX XXXX, 2015. The XXXX XXXX talked us in to taking a minimum loan of {$6000.00} from Chrysler Capital to get a {$500.00} discount. He assured us we could pay it off with the XXXX payment. The salesman and manager kept trying to get our SSN 's. We refused and only gave them to the finance person who confessed he was new and was unsure of all the conditions of the loan. He could not give us any information on payment amounts. The only information he would give us was the date of the XXXX payment. When I told him I wanted to pay it off as soon as possible he said we would have to wait for XXXX XXXX to contact us. A month later we received the first payment voucher. The voucher had the payoff amount listed. I tried to make a full payoff over the phone. The automated teller would only let me make a payment of {$2000.00}. I talked to a customer rep and supervisor. They said I could not payoff the loan over the phone and would have to mail it in, with a new higher estimated payoff amount. They could not show anywhere on my voucher where this was required. The Supervisor then gave me XXXX different addresses to mail the payment to. I told her I did not trust her directions and mailed the new higher payoff to the address on the voucher. XXXX and XXXX XXXX seem to have an operation of making up a process to maximize interest returns. I hope they credit my account before they decide to charge more interest.
Consumer complaint received 2015-05-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY (GA)

I 'd been paying extra on my loan for years and the way my loan was set up it pushed my next payment due date into the future. So in 2010 ( around the time Wells Fargo purchased my loan from another lender ) my next payment was n't due until this year. So I stopped making payments. 

Many times over the years I logged into the online account to check my balance due and see what I owed since I thought interest may be accumulating. I looked at XXXX different account summary pages as well as downloading pdf copies of my monthly statements. Not XXXX of them listed any accumulated interest. They all said my account balance was {$4000.00}, the same as it 's been since XX/XX/XXXX. I figured since my next payment was n't due until XX/XX/XXXX they must not be charging me interest until then either. So a few months ago I started making payments and just noticed that despite me paying several hundred dollars my account balance was the same. I came to find out I 'd accrued about {$800.00} in interest that was only detailed by going to a XXXX Account Details page via a link on the normal Account details page, that was under an Account summary page. I complained that the Monthly Statements and the account details pages that I 'd been looking at for years did n't detail list the interest, it was only found by navigating through XXXX other pages that said I only owed {$4000.00}. They basically said tough luck, " Your student loan accrues interest daily at a rate of 4.25 % which is variable. Your variable interest rate may change monthly, however youare billed for interest each month based on the principal balance. '' - They say I was billed each month for interest, but the monthly statements did not reflect that in an increase in my total due, or an line that listed the interest owed, or in any other way. 

I feel this is a very dishonest business practice. They knew my next payment was years away and hid the interest they were charging me on a sub-subpage of their website while issuing monthly statements that said what I owed them was unchanged.
Consumer complaint received 2020-11-14
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 — Was not notified of investigation status or results
Company: Worth Finance Corporation (TX)

I am filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed on numerous occasions, Please resolve this matter as soon as possible. Thank you!
Consumer complaint received 2016-12-16
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (CA)

I was charged a {$10.00} late payment fee by a merchant for a late payment delivered by Wells Fargo 's online bill pay service. Wells Fargo says the fee is my responsibility. Yet the Bank controls the entire process : The Bank chooses how and when to deliver payments. The Bank controls the online bill pay screen that shows how long it takes them to deliver a payment. The bank failed to realize there was a Banking XXXX when means no mail delivery.
Consumer complaint received 2016-12-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (IL)

I was provided PMI cancellation documentation with my mortgage and on monthly statements, which Wells Fargo did not want to honor. Wells Fargo then stated via a letter and multiple levels of customer service that they would require a 70 % loan to value which could only be established via appraisal. Wells sent a form to determine the appraised value, which had an inflated appraisal cost of {$850.00} versus home purchase appraisal cost of {$660.00}, which suggests that Wells is receiving some sort of alternate consideration from the appraisal company - XXXX or they are intentionally misleading their clients during the closing process. Wells 's most senior customer service, refused to match the pricing of a qualified appraiser or charge the same appraisal cost as was initially charged for the purchase of the home. 

Wells has now agreed to honor the disclosure on my monthly statement and at closing, only after referral to the presidents office and my provision of the statement from closing. However, Wells is still requiring an appraisal for a home purchased 18 months ago when the documentation provided at closing suggests that an appraisal is required only sometimes, the implication of the disclosure is to protect Wells Fargo during a falling real estate market and not just to improve Wells Fargo 's profits. The cost of the appraisal equals about XXXX years of PMI. 

This process has taken months to resolve and suggests that all Multi-Family homes ( XXXX unit dwellings ) are being incorrectly processed in Wells Fargo 's systems in regards to PMI and that Wells has a systematic program to intentionally over charge customers requesting relief from PMI to inflate profits through additional PMI or consideration from XXXX
Consumer complaint received 2016-10-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NJ)

The mortgage was charged-off in XXXX. They kept threatening to foreclose until I paid. I had no funds until XXXX and learned I have been paying on a debt that was closed out years ago. They lied and said there was a lien on my property.
Consumer complaint received 2020-08-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I recently applied for cash advances/personal loans on many online platforms. I was contacted by a scammer posing to be from a company by the name of XXXX XXXX. The person said their name was XXXX XXXX, and went on to collect and confirm my bank information via phone. I was even provided with an email that confirmed that my loan had been processed. The sender 's email is ( XXXX ). After I hung up I went to check my account and my account was negative by XXXX dollars which far exceeded the amount in my account. My bank then proceeded to close my account.
Consumer complaint received 2016-11-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX, XXXX, I opened a Small Business Account in the name of XXXX 50 Year Reunion. The documents I signed, indicated that I would be receiving a debit card tied directly to the checking account that was opened. Within a week, I also received a Wells Fargo Visa Credit Card with a limit of {$20000.00}. I DID NOT APPLY FOR THIS VISA CREDIT CARD. Our family has been valued customers with Wells Fargo since XXXX. My wife and daughters all have their financial dealings with Wells Fargo. Their entire information has now had the potential of being hacked
Consumer complaint received 2015-07-14
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (CA)

I am disputing the Wells Fargo Dealer Services account that is on my credit report with you. It is the only Wells Fargo Dealer Services account listed. 

I settled this debt with Wells Fargo Dealer Services in XX/XX/XXXX. This completely resolved the debt that I owed. I also do n't know why this is showing up as being late in the months after XX/XX/XXXX. If I do n't owe anything, how can you and Wells Fargo Dealer Services say that I am late? That 's impossible and does n't make any sense. 

But regardless of the reason, please delete the balance owed and make it show that I owe XXXX and delete the history after XX/XX/XXXX in which I paid this account off. Please make sure this is corrected and stays corrected. If you ca n't get a straight answer out of Wells Fargo Dealer Services then just delete the account. I do not want false information on my credit reports. 

I 'm enclosing a letter from Wells Fargo Dealer Services acknowledging receipt of my settlement payment and that the account is settled and I do not owe any more money. 

If you or Wells Fargo Dealer Services ( who I 'm copying with this letter ) decide you want to keep this account on my credit reports, please explain to me in writing why you are doing this. Explain why you are keeping this. To all of you -- show me the documentation that explains how I can possibly owe money when I have settled the account. I 'll be shocked and disappointed if you keep false information on my account and do n't even make an effort and explaining why you are doing this to me. 

But I 'm confident and hope that you will remove this false information from my credit reports. I 'm trying to make it easy for you to get in touch with me as I must have this false information removed from my credit reports. 

Thank you for correcting this error.
Consumer complaint received 2015-11-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blakely-Witt and Associates, Inc. (TX)

Good Evening, Hi my name is XXXX XXXX, I leased apartment # XXXX through XX/XX/2015-XX/XX/2015 at XXXX XXXX in XXXX , Texas . I tried to apply at XXXX XXXX in XXXX XXXX, Texas and was informed that I had a broken lease from XXXX XXXX XXXX after investigating this what I found out. 


I gave a 30 day notice to XXXX XXXX XXXX XXXX/XXXX/2015 after I gave my notice I looked into a XXXX bed room unit at XXXX XXXX XXXX and gave them a {$150.00} transfer fee XX/XX/XXXX, before my move out date XXXX/XXXX/2015 I contacted XXXX and informed XXXX ( manager ) that I can not move into the XXXX bedroom XXXX ( manager ) then advised me ( XXXX ) that I would not get my {$150.00} back if I decided that I did n't want the apartment. I moved out of my apartment XXXX/XXXX/2015 as I was supposed to do. XXXX XXXX XXXX is now telling me that I have a broken lease because I did not give them a second 30 day notice. XXXX XXXX XXXX kept my money like they stated but then charged me {$550.00} for Insufficient Notice. I do n't see the reason to give another 30 day notice. There is no way that could work because based off that 1st 30 day notice you all could actually lease that XXXX bed room. I never filled out a lease or anything for that XXXX bed room. At this point I do n't think I was supposed to be charged XXXX for Insufficient Notice, because I strongly believe it 's not right, especially if I never signed any documents stating on that XXXX bed room. 

I contacted the collection agency and they refuse to get the issue resolved correctly. The collection agency stated the collection is valid even though I have evidence showing that it is fraud.