davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-12
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

Hello, Upon reviewing my XXXX XXXX business checking account to prepare for second quarter financial statements I noticed XXXX unauthorized ACH debits on my account paid to the merchant USAA. Upon noticing this fraud, I reviewed my personal account and found an additional XXXX. The detail on the bank statements for these XXXX charges are as follows : XX/XX/2016 USAA XXXX {$10000.00} XX/XX/2016 USAA XXXX {$5200.00} XX/XX/2016 USAA XXXX {$5200.00} XX/XX/2016 USAA XXXX {$5100.00} XX/XX/2016 USAA XXXX {$5000.00} XX/XX/2016 USAA SAV-XXXX {$5000.00} Until I saw these debits, I had never heard of USAA let alone do business with them or authorize them to take any money from my accounts. I understand they are a financial institution for military people. I have never been in the military, nor has anyone in my family. The individuals listed above in the transaction detail are unknown to me.
Consumer complaint received 2016-02-23
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Advance America, Cash Advance Centers, Inc. (CA)

I received a voice mail from a company claiming to be Advance America collecting on a Payday Loan I had taken out in 2013. I called the company back and they told me they had a warrant for my arrest, that they were coming to my job and my house to take me to jail. I knew it was against the law to do this, and so I called a few more times to obtain the agency 's name. One lady screamed at me stating " How dare I call her job and demand that information. '' I finally got in touch with a woman who stated the company 's name was the Law Offices of XXXX and XXXX. I looked up this name and there is no such company. The company then would not pick up the phone and their voicemail says they are XXXX county collection services '' or some nonsense like that. These people threatened me and it is n't right or lawful. Advance America states they are not in anyway affiliated with these people and that my debt had been forwarded to XXXX XXXX.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

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 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Texas Guaranteed (TX)

Trellis company is willfully ignoring my requests and willfully violating my rights. I have notified them about identity theft. According to the law since I have claimed to be the victim of identity theft, the collection agency must temporarily stop their collection effort and investigate the debtors claim. 
They have not done this. If they claim to have investigated I would like to know how they investigated and who they spoke with. 
Again, TRELLIS- XXXX XXXX, Trellis XXXX are a result of identity theft. I am demanding Trellis to suspend their collection and do a proper investigation.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2015-05-11
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Advance America, Cash Advance Centers, Inc. (OH)

This is the e-mail that I received, I want to know if this is legit -- Original Creditor : Advance America ( Cash Advance ) Subject : Unpaid debt of Advance AmericaFile Number : XXXX : $ XXXX ClientWe regret to inform you that due to your unpaid debt amount of {$570.00} to Advance America ( Cash Advance ) from today we have passed your case to court. You are now to be contacted by official court attorneys, who will notify you of the hearing date. Therefore you will be served a subpoena to appear at court where you can present your defense. 


We still have not received any payment or answer from you. Therefore, we regret to inform you that if we do not obtain the payment of {$570.00} in full before end of the day, we will have no other alternatives but to undertake court actions against you so before something goes wrong I thought that I shall call you and notify you about this matter. But as I was not able to reach you so I am sending you a final notification EmailAs we put your Social Security Number into our National Checking Database System we found that you have been never charged for a fraud activity & that 's the reason we have decided to give you chance to take care of this issue outside the Court without having a negative report on your Credit History and Social Security Number. 


We would advise to treat this matter with urgency and we believe you will not ignore this final reminder. To save yourself the inconvenience of court actions, we kindly suggest settling the total amount of debt and additional costs as soon as possible. 


We still trust court actions will not be necessary and look forward to receiving payment by return. 


If you wish to settle the outstanding amount or if you have any questions regarding the current situation please do not hesitate to send us an XXXXXXXXXXXX are sure the problem will be solved soon, as we have no doubt in your cooperation. Federal law requires us to notify you that this is a communication from a debt recovery corporation. This is an attempt to collect a debt. Any information obtained will be used for thatYours faithfully, Department of Cash advance America
Consumer complaint received 2015-07-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commercial Trade, Inc. (CA)

Collection Agency is trying to collect money I do not owe, for a vehicle that was impounded. The vehicle was not mine nor registered to me. I have repeatedly told her this issue is not mine, it is my dad 's ( we have the same name. ) it has been disputed with the XXXX credit bureaus but she told me she will not remove it until it is paid. I repeatedly told her, it 's my dad 's, and she said she has documents with my social security number that links it to me. I have asked for the documents or proof, which have been denied. I 've been told to have my dad call them to pay the debt and then they will remove it. She will not release information as to how my social security was obtained, which I believe was obtained in an unethical manner through a third party.
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (FL)

EXPERIAN HAS VIOLATED THE FAIR CREDIT PROTECTION ACT. 

THEY PREVIOUSLY DELETED A TRADE LINE BY " XXXX '' IN MINNESOTA WITH STATUS OF " UNKNOWN ''. THEY DELETED THIS TRADE-IN ON XXXX AS I HAVE MANY MONTHLY CREDIT REPORTS DIRECTLY FROM THEM FROM XXXX TO XXXX XXXX. OUT OF THE BLUE, WITHOUT ANY NOTIFICATION, THIS TRADE LINE IS SHOWING UP ON MY CREDIT REPORT AND IN DIRECT VIOLATION OF THE ACT. 

I SUGGEST THEIR COMPLIANCE DEPT ALONG WITH THEIR LEGAL DEPARTMENT CAREFULLY REVIEW MY CREDIT REPORT, DAY BY DAY SINCE XXXX SO THEY CAN FIND WHERE THEY VIOLATED THE ACT WHICH IS A CAUSE FOR MONETARY PENALTIES AWARDED TO ME IN ADDITION TO CAUSING MY FINANCIAL HARM. 

THEY NEED TO REVIEW THEIR FILES AND IMMEDIATELY DELETE THIS TRADELINE.
Consumer complaint received 2015-08-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

Hi. I received a call last week from Wells, Fargo Home Mortgage that my loan modification was denied due to my loan being over {$720000.00}. 
Yet, in XXXX, 2015 I was told to send them documentation to do a loan modification on my mortgage in the amount of {$900000.00}! 
XXXX XXXX from Wells, Fargo just sent out a letter dated XXXX XXXX, 2015 that my loan was denied since I did not respond to them. This is not true. I called and was told that my loan was under review and they sent me letters to the effect. 
We have less than XXXX days to a sheriff sale. This is unfair banking practices. 
In addition, there is a whole web-site on the internet about how Wells, Fargo Home mortgagehurts the consumer by continually switching account executives and not helping clients go through the modification process. Please take a look at this web-site. It tells you exactly what I have been going through. 
Please help us.
Consumer complaint received 2015-09-30
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

My brother, a XXXX veteran, died intestate on XXXX XXXX, 2015. I am XXXX of XXXX siblings, his only heirs. He lived in a XXXX XXXX XXXX in Texas. We hired a Texas attorney to file a Small Estate Affidavit. After a judge signed that, we sent a copy to his VA fiduciary. She ca n't access a CD she opened for my brother because Wells Fargo says the CD was not styled correctly. I have visited my Wells Fargo, who called their legal department, to no avail ; and our Texas attorney called the fiduciary 's bank and they wo n't help. The VA fiduciary has tried at her bank and they will not let her cash the CD to distribute the money. What can we do to get Wells Fargo to get the CD cashed and divide it XXXX ways to the heirs? Our attorney thinks the person at the bank who opened the CD for the VA fiduciary made a mistake. Should n't the bank correct its mistake? How can they withhold the money?
Consumer complaint received 2015-08-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (KS)

My mortgage company raised my monthly payment based on incorrect information. I had changed home owners insurance company and i notified my mortgage company but they did not update the records. For the last four months they have been " looking into the problem '' and their only solution is for me to pay the new payment and stop calling and telling them to fix their error. They also are callling me from blocked numbers demanding that I pay any outstandng balances. Each time I tell them that they made an acounting error, they say they " will make a note for future information '' but that note seems to not make it to my file.
Consumer complaint received 2015-07-26
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

On or about XXXX XXXX I closed my safety deposit box at Wells Fargo XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in anticipation of a move out of state. XXXX XXXX, Personal Banker at that branch, went with me into the vault to empty the box and I gave her the key when I was done. She gave me a receipt. I moved XXXX the next month and continued my other accts. with Wells Fargo. On or about XX/XX/XXXX I received a call from Wells Fargo saying that I owed for another year 's rent on the safety deposit box. I told them I closed it and gave them the receipt number. The man I spoke to said " all was taken care of and not to worry ''. A year later I was moved back XXXX - still having a Wells Fargo account - and when I went into a local branch to change personal information I was told that I now owed for two years safety deposit box fees ( XX/XX/XXXX and XX/XX/XXXX ) - I told him that box was emptied and closed and he said I would have to take care of that at the original branch. So I drove over 30 miles to the XXXX location and explained the situation with them. I no longer had the receipt. They said there was nothing I could do. They continue to hold the box in my name and charge me yearly fees for an empty box that I closed. The only document I have is the business card of the woman who closed the account for me. I do not wish to collect monetary damages for my out-of-pocket expenses/duress in dealing with this. I just want them to close the safety deposit box account and remove any debt associated with that from my name. They are a rich bank who made a mistake and lost the key and they are trying to make me - who lives on limited income - pay for their mistake. Please assist me with this problem. I did not know where to turn until I saw your name in a news article.
Consumer complaint received 2015-05-14
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: ENOVA INTERNATIONAL, INC. (WI)

I have been contacted by a collection agency on behalf of CashNetUSA. I asked for verification of debt to be mailed to me, I was instead placed on hold and told that I had XXXX hour to respond to them or they would file charges. I advised that under federal law it was illegal to threaten me. I was then told they know the law and accused me of not wanting to pay a debt I owe. When I stated I wanted to verify I owe the debt and it was n't fraud, I was asked if I have a police report. Advised I do not because they have not sent me written verification in order to do so. I was then threated again that charges would be filed. 

This is a clear violation of federal law. They would not provide me with the company name, instead the supervisor hung up on me. Another violation. I called back and asked for the company name and was only given XXXX.
Consumer complaint received 2023-05-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Mr. Cooper Group Inc. (CO)

I have been a costumer of Mr. Cooper a mortgage company for about XXXX years now. 

I did not receive a notification about how mr. Cooper was gon na raise my mortgage due to escrow. 
And since I dont pay online due to the unreasonable chargers of paying with a card I like I have for the past XXXX years mailed in a check of the amount that I have been paying for the last couple years. 
After I was made aware of the fact that mr. Cooper since has raised my mortgage payment. I sent the additional money instantly to the mortgage company. So I did not miss a payment. But I was short on XXXX of my payments. And as soon I heard about it I sent them the difference. Not thinking nothing of it and thinking it was handled. Mr cooper then proceeded to report to the credit bureau that I missed a payment while my difference of payment was in motion to them. And that report knocked down my credit XXXX total points and now put me in a predicament to be homeless because now I can not qualify for the house that I am in the process of buying. 
Due to the fact I have already invested XXXX money into the house I was planning on buying I need this corrected as soon as possible. Please help me out because I have been trying repeatedly through emails and phone calls to get in contact with someone at mr. Coopers credit team and I havent had any luck. This process of trying to contact them has been a XXXX week period and still have yet to have any information about being helped out.
Consumer complaint received 2016-10-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (VA)

On XXXX XXXX, I made an online deposit for a {$200.00} check. I mailed the check on XXXX XXXX to make sure it was received within the 7 day requirement. On XXXX XXXX, I discovered that the online deposit had been reversed by nfcu on XXXX XXXX without explanation and without notifying me. This is the SECOND time this year nfcu has stolen my money and I want it back immediately. They now have my check and I do n't have my money. THIS IS COMPLETELY UNACCEPTABLE!!! They are supposed to be protecting my money, not stealing it. CUSTOMER SERVICE XXXX!!!!
Consumer complaint received 2016-06-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: WELLS FARGO & COMPANY (OR)

Good Morning, I am writing you today in hopes to obtain some debt relief. I attended XXXX XXXX in XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. While attending XXXX XXXX I was given false information in regards to job placement, salary, and loan amounts. After graduation I had not help with job placement and advertised and now the school is closed down. After hearing this news I tried to obtain copies of my Official transcripts, but what was sent to me was completely the wrong program and dates. I am now left with a useless degree, wrong official transcripts, zero help from the school since they are closed now and a mountain of debt for a useless degree. 
Recently I found out that my may be able to have a federal loans foregiven, but they are mostly paid off now. I am hoping to make contact with Wells Fargo and See what my options are for forgivness or partial forgivness. I have found a few articles to help support my argument. 
XXXX
Consumer complaint received 2016-01-23
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY ()

iam disgusted that everytime i disput what wells fargo say and tell why i disput what they say the system never allows me to progress forward i have a least XXXX compaint casses all diputed and you have not done anything about it? yet you have fined wells fargo bank for falsifying documants mis acounting, fraud and perjury committed in court .why have you nomade compensation claims against then for the consumer that have not been protected iam disgusted in your prceedure
Consumer complaint received 2017-02-06
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I recently learned of an usry law in Virginia that articulates a 12 % annual interest rate on these types of loans. I, unfortunately, took out several internet loans back in the summer. Upon learning of Virginia 's usry law, I contacted the XXXX internet loan companies to negotiate a lesser interest rate. I was able to successfully negotiate a lesser interest rate with the first company. However, I called this company today and spoke to someone to inquire about the process of getting a lesser interest rate and was told that the interest rate was based on the contract for my state? I informed the representative about Virginia 's usry law. She informed me that I could speak with a supervisor. After waiting for approximately 15 minutes I spoke with a superivisor who said the same thing that the contract was written based on the state laws. This company is actually charging 299 % annual interest rate which is much more than the first company that negotiated a lower interest rate with me. Moreover, when I asked how much longer did I have on the loan, the response I got was until I paid it off. However, with 299 % interest rate when will that be. I am willing to pay back the monies borrowed with interest ; however, after recently being informed I now realized that I have been over charged quite a bit.
Consumer complaint received 2016-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: FIRST CHOICE LOAN SERVICES INC. (TX)

I am in the process of obtaining a renovation loan with First Choice Loan Services Inc. I have paid for my appraisal and provided all of my financial documents for closing. They are now requiring me to pay {$490.00} for a Feasibility Study, this cost was not disclosed in my Settlement Statement I was told that it is an FDIC requirement, I told my loan officer that it was not in the settlement statement. But paid it anyways to not hold up the process.
Consumer complaint received 2016-09-23
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (TX)

I believe WellsFargo has opened an account on my behalf without my autherization. I have copies of all transaction since 2013 and do n't like what I seen. WellsFargo has too many transactions that says " save as you go transfer debit to and as low as {$2.00} & high as {$12.00}. I never authorized it and never signed anything, this is fragulant action and want to be protected and want my hard earned money back.