davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-24
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

We are XXXX and do not have a loan with Wells Fargo Dealer Services but they have repeatedly called us ( for years ) and as recently as today. This is very upsetting to us and we do not want to be harassed. These calls apparently pertain to our adult son who has not lived with us for decades and we have no information to provide - which we have explained to the many callers in the past together with asking that they do not call us. The phone call today was made to our home on XXXX ( In the past I have also received calls on my cell XXXX XXXX XXXX ) from somebody stating her name was " XXXX at Wells Fargo Dealer Services '' XXXX ( caller ID number ) with a message to call back XXXX for No. XXXX. The telephone call came in at XXXX. In the past we have received calls from persons representing that they are from Wells Fargo Dealer Services from other numbers including XXXX. These agents not only ignore our request not to telephone us but in 2014 an agent from the XXXX number provided me details on the subject account history over the phone that included the amount of arrears, collection efforts and assertions that my son was a criminal. I have subsequently learned this was illegal. We are tired of these calls and are filing this complaint to documents them as well as demand that we stop being harassed.
Consumer complaint received 2016-06-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BYL Collection Services (DE)

I had XXXX accounts with the debt collecting agency called BYL collection services I paid the debts in full and the collection pay status was satisfied. I asked the agency that once the accounts are satisfied can they remove the debts off of my credit report due to the fact that these debts are causing hardship to my life I am not able to apply for a loan without high interest rates or if I apply to rent a apartment or open a credit card I receive negative feedback due to a debt that I paid. The agency state they can report the debt as paid and show a ) balance but they will not contact the XXXX credit bureaus to remove from my credit report.
Consumer complaint received 2015-09-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AMCOL Systems, Inc. (NC)

AMCOL System, Inc. violated Fair Debt Collection Practices Act [ 15 USC 1692f ] A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. 

AMCOL System, Inc. violated the Fair Debt Collection Practices Act specifically section : 807. False or misleading representations [ 15 USC 1692e ] A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) the false representation of - ( A ) the character, amount, or legal status of any debt. ( 8 ) False or misleading representations. Communicating or threatening to communicate to any person credit information which is known or which should be known to be false. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

AMCOL System, Inc. violated the North Carolina Collection Agency Act section 58 70 110 ( 4 ) Falsely representing the character, extent, or amount of a debt against a consumer. 
AMCOL System, Inc. violated the Fair Credit Reporting Act 1681s-2 ( b ), A person shall not furnish false information to consumer reporting agency. 

AMCOL System , Inc. reported to consumer reporting bureaus inaccurate information such as but not limited the alleged collection account date of delinquency ; therefore, resulting in inaccurate reporting periods, etc. 

AMCOL System , Inc. 's violations of the Fair Debt Collection Practices Act, North Carolina Collection Agency Act, and Fair Credit Reporting Act are documented as follows : Exhibit A : Written correspondence dated XX/XX/XXXX which I sent to AMCOL Systems , Inc. requesting validation, etc. ; sent via Certified U.S. Postal Mail. 

Exhibit B : Correspondence dated XX/XX/XXXX from AMCOL Systems , Inc. addressed to me in response to Exhibit A. 

Exhibit C : AMCOL Systems , Inc. credit reporting entry on my consumer credit report. Said credit reporting entry of AMCOL Systems , Inc. clearly stated a false Date of XXXX Delinquency : XXXX of an alleged debt, etc.
Consumer complaint received 2015-04-18
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (VA)

On XXXX/XXXX/2025 I send money thru western union ( online ) to recipient in XXXX XXXX XXXX, XXXX. I received SMS & email confirmation that money went thru and available to recipient on XXXX XXXX. But to this moment as i write nobody knows where the money is in XXXX or here! The MTCN XXXX also confirmed money is available but recipient was told by XXXX. in XXXX that there is no money!! I am sick & tired of this! It is indication of incompetence & very poor service! 

Thank You, XXXX
Consumer complaint received 2016-03-25
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (WI)

I told the company that the amount was to high so they changed the amount in half for only XXXX payments being on social security makes it harder to make payments when the payments are so high last year i gave this company my entire paycheck had nothing for self its like working for free the company responded like they did care as long as they got there payment
Consumer complaint received 2017-01-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NY)

XXXX Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re. : XXXX Dispute # XXXX Please note that this is in reference to account number XXXX pertaining to then phone XXXX for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. As you will see from the documents enclosed I was incarcerated on XXXX XXXX, XXXX, at approximately XXXX and was not released until XXXX XXXX, XXXX. I am therefore rightfully disputing the {$600.00} XXXX claims that I owe them from billing for their services since just prior to my incarceration date I had already paid my last bill. I was not free in society to have been able to utilize XXXX 's services beyond then and I should not have been continued to be billed after the first payment beyond XXXX XXXX, XXXX, failed to be paid by me due to being incarcerated. 
I also want this erroneous debt claimed to be owed removed by XXXX from my Credit Reports. Although the erred referenced had been previously taken out from my Credit Reports upon XXXX having been notified of their error soon as I was released, recently on XXXX XXXX, XXXX, for some reason it was placed back on there and fraudulently claimed that it was a debt as of XXXX XXXX, XXXX. Despite this debt claimed being over almost six years olds well. 
I previously wrote about this matter after being released and learning of the above but have yet to hear anything, nor was I called regarding the investigation of this Dispute although I was told that I would be before any decision would be had. 
In sum, your time and expedient help in the resolution of this matter will be greatly appreciated. 
Cordially, XXXX XXXX
Consumer complaint received 2016-12-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/2016, a set of loan payments was coming from XXXX to my bank account ( number XXXX ) at Citizens Bank, RBS. I knew that the loans are scheduled to be presented on the account on this day, for a total of {$1300.00}. On the morning of XXXX, I noticed the total payments from XXXX scheduled were greater than I previously expected. I discussed the matter with XXXX. On the morning of XX/XX/2016, the payments are still pending on my bank account, according to the lowest to highest ordering of payments all coming from XXXX. There was XXXX item for the amount of {$180.00} that would make my account negative for the amount of {$160.00}. I expected that the loan payment of XXXX would either paid or return and I would incur XXXX ( XXXX ) fee. 
I discussed the matter with XXXX and made a cash deposit for an amount of {$1300.00}. 
On XX/XX/2016, I logged on the account and noticed all loan payments from XXXX were posted on my bank account from an ordering of lowest to highest payment and my account was negative because of the last loan payment of {$180.00}, But Today, XX/XX/2016, I saw a complete reordering the payments, instead of charging one-time fee of {$35.00} for the highest loan payment of XXXX, Citizens Bank reordering the payment of XX/XX/2016, from highest to lowest and charged me seven ( 7 ) times of a fee XXXX for a total of {$240.00}. I called the Call Center ( XXXX ) to discuss the matter with a supervisor , named XXXX. I pointed that Overdraft Settlement Agreement in which Citizens Bank agreed to post transactions from lowest to highest. I also indicated that the disproportionality of charges of {$240.00} for an insufficient fund for the amount of XXXX. Citizens Bank could have returned the payment of XXXX and charged me a fee of {$35.00} and I would have to present the payment again. Instead, Citizens Bank looked at its best interests, not mine as a customer and charge a total fee of {$240.00}. This situation makes more difficulty my ability to bring my account positive and use my incoming direct deposit to pay other bills. 
I would greatly appreciate your assistance to this matter. Thank you, once again. XXXX
Consumer complaint received 2016-09-02
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I experienced a problem with my personal bank sending an amount of money, through bill pay, to my Bank of America debit card account. My personal bank said the Bank of America bill pay address was not correct and the check meant for Bank of America was returned to my personal bank and marked undeliverable by the USPS. I called Bank of America to find out if they had changed their address so I could give any new address for Bank of America to my personal bank. I was told, by the Bank of America automated voice that I had to wait THREE HOURS on the phone for a customer associate to help me. OR, Bank of America would call me back in THREE HOURS. This is a ridiculous amount of time for me to wait to speak to a bank that has my money and has loads of its own money. I do n't want them to call me back in three hours. I could be anywhere by then and not in the position to discuss sensitive banking information. That is the nature of this complaint : the amount of time Bank of America says I have to wait for help.
Consumer complaint received 2017-01-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was baited & switched by Bank of America because of that I 've been asking them to refund my credit report & appraisal money. The issue still has n't been resolved. 
I applied for a conventional cash out refinance XXXX XXXX, 2016. I explained to the loan officer how much cash out I needed. He gave me a worksheet with estimated cost & 80 % LTV of course the final is when the appraisal comes back. He sent me an email XXXX XXXX telling me the appraisal came in lower, he informed me of the new loan amount which was fine, it only decreased by {$1100.00}. Two and a half to three weeks after he sent that email, I tried calling him multiple times to find out the status of the loan & when we were closing. Title company contacted me & said they were ready to close as soon as BOA was ready. I finally reached the loan officer, he told me they would n't approve 80 % LTV that they would only do 70 % LTV. I asked him why did that change, he said because of my credit score. I was livid ... they knew my credit score from day XXXX not to mention why did it take 30 days to come to that conclusion. That 's where I was baited & switched. Even after that I tried to contact the loan officer about changing to an FHA loan, I did n't want an FHA which he knew up front, but I already spent money on an appraisal & I needed to get this done. After multiple attempts he never responded, I was frustrated & had to contact another financial institution to refinance my cash out mortgage. That cost me another appraisal fee, I do n't have money to give away. After calling several branches for a couple of weeks I was finally able to reach someone who could give me the loan officer 's manager 's contact information. I spoke to his manager about refunding my appraisal fee & credit report. They still have n't resolved my issue.
Consumer complaint received 2016-12-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

Left school in 1998, owing approx {$42000.00}, was injured and un-employed for over 8 yrs, contacted XXXX XXXX, asking about insurance on the loan. I was told that I would have to exhaust all other postponements and extensions before filing on XXXX insurance on the loans, consolidated my loans and use all of the deferments and exhaust all other programs to postpone payment before they would file on XXXX, did as they asked. XXXX XXXX never filed on any insurance and I now owe over {$100000.00} in student loans, due to fees and interest applied. If XXXX XXXX would have done as they said, I would be student loan debt free, but I am not and under constant threat of legal action. They have been exempt from federal lending and collection laws, so finding an attorney to help has been impossible!! I am now trying to work and re-build my life and credit. I am not able to purchase a home, due to debt to income ratio and credit scoore with an {$100000.00} student loan debt looming. I just want to pay what I should actually owe, approx {$25000.00} and move on with my life. No one will help me stand up to XXXX XXXX Navient now. I would n't have to have paid this kind of fees and interest on a 30-year mortgage, heck, the XXXX does n't even charge these kinds of rates. Please help or advise.
Consumer complaint received 2015-11-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

My college school loan changed loan servicers and I had to re-configure my loan payment for auto-payment. Since this takes however many days/weeks to process the auto-pay request I received a late payment notice that then lowered my credit score up to about XXXX points. It was my first late payment in my life and completely not my fault.
Consumer complaint received 2023-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

I have tried 3 times to file this complaint but this website does not save my info and has timed out or if I log out because I cant complete the complicated history in one sitting everything is delleted and because there is no complaint number issued at that point nothing I entered could be retrieved. I have resorted to describing the complaint in a separate document which I will scan and upload in the section to follow along with other supporting documents.. If this is not acceptable please let me know asap. 
I am currently without a computer and was limited in the times I was able to borrow one. I was unable to send all supporting documents for my complaint but had time to upload a sampling of records to reflect some of the issues with my mortgage servicer. 
Please note : The name on the loan in question is XXXX XXXX XXXX because I inherited my home where Ive lived since XX/XX/XXXX upon the death of XXXX XX/XX/XXXX.
Consumer complaint received 2018-06-06
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo XX/XX/2017 XX/XX/2017 These companies did a hard inquiry on my credit. I didn't give them permission to Check my credit. I contacted the creditors and they have no proof I initiated such inquiries. I requested them to remove this from my experian report. They didn't give me an answer. I has been over two months since I last contacted them.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 15 USC 1681. 

Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2018-06-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriHome Mortgage Company, LLC (CA)

AmeriHome Mortgage has our business phone number in their phone database for an unknown employee. We receive multiple robocalls from AmeriHome with an automated message to call a phone number. I have called the phone number, worked my way through their system, talked with multiple people, and still the calls continue. I have emailed AmeriHome Mortgage and told them to remove our company phone numbers from their database but still the calls continue. We need these calls to stop.
Consumer complaint received 2018-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (IA)

On or about XX/XX/XXXX I contacted XXXX  Credit Card ( a division of XXXXXXXX XXXX ) to update my address after receiving an E-mail promotion offering me another credit card ( since I had one already ). 

The promotions department told me I had to speak to Customer Service about my address before they could honor the promotion. I was told by Customer Service they do not do business in the State of XXXX and the promotional offer was rescinded ( and that is OK ). They told me they could not update my address from previous address in XXXX to my new address in XXXX since they do not conduct business in XXXX. 

Today, XX/XX/XXXX, I received a text from them telling me I am delinquent on a payment ( due yesterday ) and to call their office. I made the payment and addressed the address issue again. I was told the following. 

1. Can not update your address since we do not conduct business in XXXX. 
2. Can not generate you an electronic statement since we do not do business in XXXX. I mentioned the promotional offer and they said that was when I was living in XXXX  ( which is true ) but my E-mail address has not changed when I moved. 
3. Only suggestion they gave was find someone in XXXX to receive my mail for me. 

I am not denying I owe them money, I am not denying them payment. I have issue with I can not get a statement from them. I can not imagine I'm the only person in XXXX that has this issue.
Consumer complaint received 2018-06-06
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I opened a credit card account with XXXX XXXX XXXX XX/XX/XXXX. This account has been in good standing with them into the year XXXX when Bank of America took over. I have always made automatic minimum monthly payments on this account directly from my bank and had paperless statements and communication. As long as I saw the payments leaving my account I didn't worry about the account status. I was aware that Bank of America took over the account in XXXX but since my payments were still leaving my bank account each month I still didn't question my account status until last month when I paid off the balance on this account. Once the account was paid up, I logged in to see my available credit only to find out the account was closed in XX/XX/XXXX for apparently being past due. 
I spoke with customer service on XX/XX/XXXX to find out how this was possible since I was making my monthly payments. Apparently there had been a returned payment on the account in XX/XX/XXXX and my minimum payment each month was no longer covering the minimum due. I explained to the agent that since I saw payments going out each month that I was not aware of this issue and requested that the account be reinstated since it is hurting my credit score. At this point I was transferred to the credit department and was informed that since they do no have " the original terms of agreement '' for this account, they can not reinstate it. 
It was not my choice to have this account taken over by Bank of America, and if they did take over the account there is no reason for them not to have the original terms of agreement. 
I have asked that this account be reinstated on the merit of this being a long time account in good standing. As explained before, I was unaware of the missed XX/XX/XXXX payment and the effects it had on my account. According to my bank statements, I was making my minimum monthly payments. I do not feel that I should be penalized to this extent for one returned payment.