davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

This complaint is regarding WellsFargo Bank with my checking account on. I had lost my bank debit card and had another one send through mail that I never received. On XX/XX/XXXX this debit card was used 15 times in one day in different XXXX  in Fl far apart from each other & the only transactions made were to get cash back {$100.00}, {$260.00}, {$200.00} not once, not twice, but 15 times without being stopped or flagged & a {$300.00} ATM cash withdrawal. The next day XX/XX/XXXX I wake up to my account being negative - {$1700.00}. I called & told them the charges were not made by me because I had never received my bank debit card. Went to the branch in person filled a complaint being sure I would be helped waste of time and effort on my part many times. I received a letter that the case was under investigation. To then receive another that the investigation was closed and no money was going to be returned to me. Went again to file another complaint in the branch which they told me they could not do anything because it was moved out their department to Escalated Complaints. I was told to file a police report which I did on XX/XX/XXXX which did not help. No email was send to me regarding the case no phone call from Escalated Complaints Department nothing. Just a letter saying case closed due to final investigation. Wellsfargo charged me on top of all this {$35.00} for every transaction withdrawal which were multiple. How can a banking institution get away with this? No one to help & all they send you is a letter with case closed they keep on sending letters of just 10 more days for a resolution update and nothing ever gets done. They are stealing peoples $ and just {$1.00} no this is a complete disgrace thousands of dollars now from one person. With no one to help or guide I have come to do my own research, waste my time, get stressed in worse possible way and on top of that have my money stolen by them. We should not have to do this this is the reason I put my money there in the first place to be safe! Now is the Bank stealing from the people from innocent people I can only imagine the many that do not know were to seek help. I will send this to who ever I need Washington, who ever this is now more that just money this is about a Corporation stealing millions of dollars. Something has to be done and people should have the right to know about services complaints like this.
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I got a mortgage with SPS ( Select Portfolio Servicing ). In this mortgage, I had to pay the PMI and I already paid 22 % of the initial cost of the home, The state that the PMI will remove automatically when the lender reach 0.78 LTV ( Loan  to Value ). 

I already ask them to remove the PMI and they ask me to send money to pay an appraisal, I already did on time. 

I do not agree with that because they state that the PMI will remove automatically when the lender reach 78 % of the LTV Thanks
Consumer complaint received 2020-04-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center (AZ)

I have been receiving ongoing bills from XXXX XXXX Hospital since the beginning of 2019 and most recently I received a notification of collection from ARStrat company. 

I visited this hospital in XXXX of 2019. They were unable to provide me the treatment and while I was in physical distress charged me {$1000.00} for the visit on the spot without billing my insurance company and are sending me additional bill for {$740.00}. I do not owe them anything and if anything they owe me {$1000.00} they wrongfully charged me.
Consumer complaint received 2020-03-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Machol & Johannes, LLC (OK)

XXXX XXXX XXXX XXXX suing for account that is beyond the statute of limitations in oklahoma. 
Account opened XX/XX/XXXX Last payment made was XX/XX/XXXX. 
Suing for the amount of {$3600.00} Recieved very little communication via mail, email or phone. 
Date summons was issued XXXX Recieved summons XXXX
Consumer complaint received 2020-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (LA)

wells fargo has purchased my mortgage and now i have been kicked out of online banking. i have spent over 4 hours on the phone trying to get this resolved. i was hung up on 3 times and was on hold and transferred multiple times. They cant get this simple issue resolved. This is a change from my last mortgage company and when my loan was bought by wells fargo it was stated that nothing would be changed.
Consumer complaint received 2020-03-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Access Capital Services, Inc. (CA)

I found out I was in debt on XXXX XXXX. I was not notified that I was debt in anyway. And it was for a service that is covered by insurance. And when the service provided occurred I was a minor ( XX/XX/2018 ). I signed no legal document that I would claim the debt. The debt was on my parents but they were having problems because insurance covers it. And they said they would take care of it and they never heard from them again. But they transferred the debt onto me on XX/XX/2018 with no one 's knowledge and no one was notified or sent anything or called about it. I found out when I was looking to see how to get my credit started on XXXX XXXX.
Consumer complaint received 2020-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi, I opened a new bank account and i would like to move some money into it but Bank of America does not recognize my new bank 's routing number. I checked with the XXXX and the Fed and it is a valid routing number. I'd like to resolve that since BofA is not letting me move my money.
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

We contacted Rushmore LLC on XX/XX/2020 to make arrangements to make payments on our mortgage. The rep took all of our financial info and assured us that they would be in contact regarding a payment plan to catch up on payments. One week later I called and I was told to call back the next week, I asked for an email to verify our phone conversation and was told the company did not use email. I have tried for the since then to call every number I can find and I get put on hold for upwards of 45 minutes. I have yet to speak to a human being. I have been unable to log into my account since the beginning of XX/XX/2020. Please help
Consumer complaint received 2020-03-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (GA)

Gateway One Lending One and Finance is the current servicer of my Auto loan since XXXX of 2016. In XXXX, I received a notice from some other company saying they are the servicers of my auto account. I did not receive a 15 day notice from GateWay One Lending and Finance Nor was the notice from Santander USA in the 15 days either. As a consumer, I have been violated and was not provided sufficient time and evidence. Also the reporting on balances are inaccurate. Gateway One lending and financed closed my account according to my credit report, but then opened said account back up. They are reporting inaccurate information on my credit report and false information. At this point, as a consumer I am not sure who the real servicer of this account is and my real account balance and account should be closed. If not properly managed, i will have to seek attorney for this is damaging my credibility and causing much grief and harm and anxiety. Please correct this as soon as possible.
Consumer complaint received 2020-03-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CURO Intermediate Holdings (OR)

Speedy cash/rapid cash took two payments out of my bank account without notice on XX/XX/20 worth XXXX after no attempts to collect in past year. It appears Speedy cash/rapid cash are deliberitly collecting on debts during this national emergency. This is unbelievable. I'm out of a job and trying to survive. How can an American company do this?
Consumer complaint received 2020-03-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PMAB,LLC (SC)

I was threatened, called and harassed about these debts. I had lost my job and was in-between when some of this was happening and I tried to make payment arrangements but nothing worked and now my credit is damaged. I have worked so hard over the last 2 years to pay all bills timely and even established additional credit cards to build my credit. After I paid these items that I am referring to, I also took the time to call each and ask that they remove these damaging remarks from my credit report and I also called all 3 agencies to request they are removed as well. Please assist me with getting this corrected. I am a XXXX veteran and while I am privy to benefits this isn't one of them. I am trying to purchase my forever home and at a time where I can enjoy it. Please help!!
Consumer complaint received 2020-03-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I'M CURRENTLY APPLYING FOR A LOAN MODIFICATION WITH BOA AND I'VE BEEN INVOLVED IN THIS PROCESS FOR 8 MONTHS. NOT ONCE DID THE 30 ( THIRTY ) CUSTOMER SERVICE REPRESENTATIVES FROM THE XXXX LOAN MODIFICATION BRANCH NOTIFIED ME THAT A CREDIT REPORT WAS NEEDED FOR A DECISION. I RECEIVED THIS NOTICE THAT THEY OBTAINED MY CREDIT REPORT FROM SOME CONSUMER DATABASE? IT'S XXXX PER THEIR ILLEGAL RECORD PULL. THE REPORT FROM BOA NEVER CITED THE SOURCE. I RE-PULLED MY XXXX  AND IT'S XXXX. I WOULD LIKE BOA FINED FOR TRYING TO MAKE PEOPLE FAIL THE LOAN MODIFICATION PROCESS AND ILLEGALLY PULLING MY REPORT WITHOUT OBTAINING MY SIGNATURE. PLEASE HAVE BOA FOLLOW UP WITH YOU TO GIVE THEIR REASONING, THEY TEND TO CALL ME AFTER I FILE THESE COMPLAINTS.
Consumer complaint received 2020-03-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (LA)

On XX/XX/XXXX, I visited the XXXX XXXX dealership on in XXXX LA. XXXX was the salesperson assisting me with a XXXX XXXX XXXX. He gave me a price of XXXX being the sale price after discount but before taxes, my down payment, and trade-in, He presented me with a buyers order that ended with an amount around {$200000.00}, which included all taxes, fees, licenses, my {$500.00} down payment, {$2500.00} trade-in allowance. I was asked to sign that paper, then I was presented with another paper that offered payment options, of monthly note, and length of the terms swell as downpayment amount, which was different from the first one of the same kind he presented to me originally. I was attending my grandson party but had to make a run to XXXX, which is a bock after the dealership, which is how I spotted the XXXX. That being said, I told that to XXXX, and XXXX, the USED Car Manager,  XXXX suggest my daughter take the car to XXXX. Immediately after our visit to XXXX, we went back to the dealership to return the vehicle as we had to go back to the party. However, XXXX suggested we take it to the party they will be working on getting the vehicle financed. We returned two times that night, but they were not able to find a company to finance the XXXX XXXX XXXX at that, but I was asked to sign some paperwork they needed so they could find a company to finance me. I was told that either, I will have to bring the car back, or the payment will be due on XX/XX/XXXX, because most payments aren't due for a while, but let get you financed first. The finance man did not give me any papers as I didn't have an approval at that time, I was told. Therefore, XXXX put a 5-day tag on the XXXX XXXX, on XX/XX/XXXX, and he repeated to do so 3 more times, for 3 weeks, as a result of not finding a  financial copy to finance the deal. I never received any paperwork from the dealership, but last week, I received a welcome letter from Exeter Financial LLC., stating a payment of XXXX is due XX/XX/XXXX. My daughter, XXXX XXXX, went to the dealership asking for more information, they gave her a contract with the information I never received or known about. The XXXX  was on its 3rd 5-day tag because XXXX kept stating they did not have a completed deal and could not provide a 60-day temp tag for the XXXX XXXX XXXX until there was a deal in place. Two days later after the 3rd 5-day tag expires, XXXX put a 60-day temp tag on back the window of XXXX. I called the finance company asking how they entered into this agreement without my permission, They never reached me to verify if I infect agreed to the terms and conditions of the erroneous contract. I have not been given the due process to either accept or deny the terms made between the dealer ( XXXX and or XXXX  XXXX ) and Exeter Finance LLC.  I'm requesting the due process to and requesting all fraudulent contracts be ceased and desist.
Consumer complaint received 2020-03-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (TX)

Your company reported a debt opened in XXXX, XXXX. If I am not mistaken, this debt is from about 6 years ago. You keep " reselling '' this debt from one company to another and restarting the " opened date '' to stay on my credit report longer. This is against the FCRA.
Consumer complaint received 2024-02-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (CT)

On three separate occasions, I canceled my XXXX  mobile service, yet I am still being charged and now it is in debt collection. 

Each time I canceled with XXXX, they said it was canceled but it has yet to be. I contacted them both via telephone as well as chat. I am currently in collections for XXXX months worth of charges. 

I have a screenshot from the last chat conversation on XX/XX/2023 where the agent wrote " I have canceled the lines ... ''. I also confirmed that the only amount due was about {$100.00} and he confirmed that. I was then subsequently charged for XXXX more months and it is now in collections. 

It takes no less than a half hour to speak to someone, each time I have reached out. I am exhausted of fighting a bill that I dont know and now my XXXX XXXX is in danger. And all for a service that I never used once.
Consumer complaint received 2020-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

I had a XXXX XXXX account since XXXX. This loan was setup though ( MERS ). mortgage electronic registation services. Which I was told was not legit, but I I'm a very credit conscious person with no extra money to pay a lawyer & no time to really seek the information needed. Back in XXXX I got a loan modification, now here in XXXX XX/XX/XXXX. I get a call from Specialize Loan Services. Telling me they own my loan now, how can I make the payment. They told me I was late & gave me a lot of attitude for nothing, in a form of bullying, talking down to to. I told the person the payment was made to XXXX  XXXX. Then I see the money was bounced back into my account. I never received any paperwork stating my loan being moved from either one of these financial institutes. I also seen somewhere that XXXX XXXX need to send me a document that they own the loan to transfer it. Not sure if it's true, but I need your help seeking justice. Thanks to this incident I'm back on it. XXXX XXXX
Consumer complaint received 2022-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (OH)

Been having problems with my loan company since XXXX. First it was Sallie Mae then Navient and Navient turned my Federal Loans to XXXX. I put myself through college as a single parent hoping to get a better job outside a factory. Graduated from XXXX XXXX University in XXXX with a Bachelors in XXXX XXXX ( online ) and University of the XXXX XXXX online ) with a Masters in XXXX XXXX XXXX XXXX. Over the years my loans became over {$100.00}, XXXX plus and dealing with Sallie Mae and Navient to find a perfect plan to fit my budget was never professional. They were rude multiple times and suggested forbearance a lot which effected my credit score several times plus interest throughout the years. Now I am XXXX going on XXXX these loans going on the third company my issues are am I ever going to see these loans paid off? Dealing with these companies through out the years ( sorry cant remember dates that well was in a bad car accident in XXXX ). I know its my responsibility to pay off my debit and own up to it. Just been dealing with customer service people that have been rude and professional which never understood my budget. I was a struggler all these years to work a lot of overtime to raise to children on my own without assistance and now that they are grown up adults. Would like to think about retirement in my future. Where I work is having problems getting parts shipped in overseas which is causing down time. All these lenders see what I make per hour instead of the financial difficulties I am dealing with! 
Tired of lenders not giving me correct answers. For example I called after XXXX XXXX to see what my payment will be. One answer was under {$200.00} and called the next day another agent quoted over {$200.00} because of my income. 
I turned in paystubs and W2S. Did everything right over the years and feel overwhelmed!

All I am asking for is to be heard, and pray in time companies that handle student loans work with people instead against. Show some compassion and dot the Ts and cross the XXXX instead of being rude and disrespectful. Navient is a company that did a lot of wrong by us and need to get honest people. Their jobs maybe stressful so is mine! 
May have put myself through college and have the debt behind it, I still treat people with the golden rule of life Treat people how you want to be treated! 
Still in a factory because of my age back then and now no one will hire me because I dont have experience. With this debt hanging over my head my future of the children with be burdened with if something happens to my life. Good luck to the future next generation of college graduates, and hopefully they can get professionalism with their lenders. 
Please take in consideration of discharging my loans in the Navient settlement or work with a payment I can afford instead of pushing me in payments I cant afford. 
Thank you for listening and hope for some professional solutions.
Consumer complaint received 2020-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (NC)

XXXX VM from SunTrust of possible fraudulent activity. XXXX saw {$2100.00} purchase at XXXX in XXXX, NC ( I live in XXXX, NC ). SunTrust Customer Service informed me that someone with my name and address called on XXXX at XXXX requesting a new debit card be mailed to XXXX XXXX XXXX XXXX, XXXX, NC. Told Suntrust rep no point in sending a code because also lost cell phone. 
XXXX received card in mail from Suntrust confirmation of address change for 3 of my 4 accounts. XX/XX/XXXX Met with branch mgr who called fraud dept. Told that investigator Denied and closed the case assuming I approved it. 
XX/XX/XXXX wrote rebuttal. XX/XX/XXXX still have not heard from Suntrust and {$2100.00} not restored to my account. XX/XX/XXXX a Good Samaritan in XXXX, NC called to inform me that she saw my credit card/ address/ ph # and many other peoples in the car of a man she knows in XXXX, NC. I filed a police report giving all information and the guys name. 
Suntrust has not been in touch with me since my pursuing them since XX/XX/XXXX. I have been treated by Suntrust Fraud Dept as a liar having to prove that Im telling the truth.
Consumer complaint received 2020-04-01
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: American First Finance, Inc. (GA)

Fraud/Identity account opened in my name between XX/XX/XXXX and XX/XX/XXXX. 
Company = American First Finance, XXXX. XXXX XXXX, XXXX, TX XXXX, ( Account # XXXX ) from a fraud purchase at XXXX  XXXX   XXXX, XXXX XXXX XXXX, XXXX, GA XXXX in the approximate initial amount of {$13000.00}. 

In contacting American First Finance on XX/XX/XXXX initially after receiving a past due notice, ( XXXX ), I disputed the account and informed them that I never authorized or approved a purchase from American Freight Furniture. I then called XXXX XXXX XXXX ( spoke with XXXX XXXX ) and informed them of the fraud purchase/lease. He would not provide me with additional information On XX/XX/XXXX, I called American First Finance again to see if they had resolved the dispute complaint. I spoke with a XXXX and then transferred off to a XXXX. Neither would provide with additional information nor send me a copy of the initial agreement, contract, and delivery receipt. They indicated that I had to first complete a affidavit. The notarized affidavit of fraud was completed today along with initiated a police fraud report.FILE # XXXX. 

On or around XX/XX/XXXX, I also completed a disputed/fraud account with XXXX  XXXX  XXXX. XXXX  XXXX XXXX, XXXX, PA XXXX File # XXXX. Their investigation confirmed account ; but, they would not confirm how they came up with this decision??
Consumer complaint received 2020-03-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Associated Credit Services, Inc. (VA)

Associated Credit Service has placed a negative remark on my credit report on behalf of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX is a utilities company in the state of New Jersey. The remark states that the account was opened in XX/XX/XXXX. I have not resided in the state of New Jersey since XX/XX/XXXX. I have not authorized anyone to open an account in my name. This was either opened fraudulently, or assigned to me incorrectly. I have disputed this with credit reporting agencies and have contacted the company but have not been able to remove this remark from my credit report.
Consumer complaint received 2022-12-31
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX  REPORTING PAST DUE 30 DAY PAYMENT IN XXXX XXXX 30 DAYS PAST DUE XXXX XXXX 60 DAYS PAST DUE XXXX XXXX 60 DAYS PAST DUE XXXX XXXX 90 DAYS PAST DUE XX/XX/XXXX 2016