davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (MI)

I am co-buyer on a vehicle for my niece which does n't communicate with me anymore. I feel threaten by Ford Credit to jeopardized my credit due to my niece not paying. I have spoken to several different service reps at ford credit. I asked if they could contact my niece to find out if shes going to pay. I also asked if they could locate vehicle because I believe she has no intentions of paying.If I have to pay than I need vehicle in my possession. How do I handle this situation?
Consumer complaint received 2016-09-15
Product: Debt collection — Mortgage
Issue: Communication tactics — Threatened to take legal action
Company: Real Time Group, Inc. (TX)

My niece forged a power of attorney and put me in the VA hospital based on my XXXX and forged a power of attorney, she had someone impersonate me and purchased a home in XXXX. The first mortgage company realized this, but she had a second mortgage and the company insisted it was my debt. They turned it over to Real Time Resolutions who have been hounding and threatening me about a debt when the person who forged the documents was investigated by the Michigan XXXX and the forgery was proven. Police reports were made but Real Time Resolutions still hounds me constantly about this debt that is n't mine. The odd thing is the perpetrator lives in the home which is worth 5 times what Real Time Resolutions has hounded me for, they know who she is, and refuse to contact, sue her or repossess the property which is n't and was never mine to begin with. They are loud, make threats, are harassing, and violate the law. The odd thing is the original creditor knew it was fraud and offered to settle for {$2000.00} to get it off my credit record. I turned them down because it is n't my debt and it 's a secured loan on a property both the original lender and Real time Resolutions refuse to foreclose on. Real Time Resolutions continues to threaten and harass and even called asking me personal information that is illegal.
Consumer complaint received 2016-07-27
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

I applied for a payday loan with cash central on XXXX/XXXX/2016 total amount XXXX they ran the principal & finance amount payment through on XXXX, by XXXX or XXXX, I did get have majority of the loan paid down to XXXX. The representative then called me at work when I told them specifically not to because I ca n't take personal phone calls at work. I then called them back to tell them they could use my debit card to take out the XXXX on XXXX I think, but as most things happen the card would allow it, due to other items coming through. They then called me again at work and the lady I spoke with told me that they will continue to send the payment through and this will cause an issue for me because your bank will continue to charge you fees. I told her not to do that because it 's going to cause other bills not to pay but I will get them paid. I then logged into my cash central account online on XXXX and put in for them to take out XXXX on XXXX which they did, and now the account is down to XXXX. I then logged in again and put in for them to take out another XXXX on my next pay day XXXX, and then I was going to go back in after that and have them take the remainder on my next pay day XXXX, but as of yesterday XXXX they sent XXXX through ( which is half of the XXXX ) which caused my bank to charge me another XXXX fee and my account is continuing to be negative. I do n't know what to do. I know they are going to call me again..
Consumer complaint received 2024-03-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Rubin & Rothman, LLC (NY)

XXXX AND XXXX Has Illegally Tried to Garnished My Wages and Claiming that it is WRIT OF EXECUTION AGAINST GOODS AND CHATTELS in The State Of New Jersey { Whatever That is } This is the Second Time this Fraud Try to Come at Me with Threats about Debt. That I have No Knowledge about. They Also Put that Debt on MY Credit Report Which Impacted My Scores Severely. I have Never Done any Business with This UNSCRUPULOUS Attorney. Nor Have Signed any Contracts with That Fraudulenyt Company. At this time I want RUBIN AND ROTHMAN LLC To : CEASE AND DESIST FROM CONTACTING ME in all Forms, MAILS, EMAILS, TEXT, PHONE CALLS, ETC. 

AND TO CALL THE CREDIT REPORTING AGENCIES TO TAKE THAT COLLECTION OFF MY CREDIT REPORT UPON RECEIPT OF THIS COMPLAINT.
Consumer complaint received 2016-12-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Access Credit Management, Inc. (AR)

I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. XXXX. This information was also shared illegally ( third party ) without my informed consent. XXXX. I would like this debt to be removed from my profile as it 's reporting to the Credit Bureaus and negatively affecting me.
Consumer complaint received 2016-01-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (IL)

This morning I checked my bank account and found that you, Seterus, Inc. had attempted to have funds sent to you from my bank account, without my permission or my knowledge. I never gave you permission to withdraw any funds, much less XXXX from my account, by inference or either verbally or in writing directly! I also do not have any outstanding automatic payments with you, so you have forged a funds transfer document to the bank implying that they have my permission to withdraw these funds from my account! I called the bank and put a stop on that for {$30.00}! I believe what you attempted to do would be considered theft or fraud by deception. I have heard that this is a common tactic by your company and have done this to numerous people throughout the country! 
On XX/XX/2015 I called you, as my mortgage lein holder, concerning my outstanding payments and a letter I received about escrow payments. I had previously made a partial payment for XX/XX/XXXX and had made no payment in regards to XX/XX/XXXX. I spoke with a customer service lady by the name of XXXX XXXX and explained to her that I retired XX/XX/2015 and had yet to receive any of my expected monies since retiring. I also explained that I expected to have money within the next week or so. She said I needed to make a payment in order to avoid penalties and bad credit reporting. I explained that I had nothing to make a payment with. She said she needed to have me talk with an account specialist in regards to my late monies. So she transferred me to a gentleman by the name of XXXX. 
I spoke with XXXX and explained my financial situation to him as well. He said he needed to have a payment by XX/XX/XXXX so that I would avoid late penalties and bad credit reporting. I told him that I did n't have money available until I received some of my retirement funds and I did n't want to promise a payment when I did n't know for sure when I 'd have the money to actually pay it. He verified my personal information as well as my banking information and said he 'd put me down for a payment for XX/XX/XXXX and would call me if the funds were n't paid at that time. At that time I thought nothing more of it than the usual keeping track of outstanding loan holder 's information. I never heard anything else from him. 
As I stated previously, you have attempted to get funds from my bank account by alleging that you had my permission to do so, as you have purportedly done to others. You do not, have not, nor will you ever, have permission to enter any of my personal accounts. I want my {$30.00} back for the stop payment fee!
Consumer complaint received 2018-03-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (CA)

Southwest : Sent documentation affirming debt of XXXX however. ( 1 ) They failed to validate acquisition price paid and incurred expenses ( my new liability to Southwest as a debt buyer ) to justify continued collection attempts. This is my right. Additionally, ( 2 ) This is an active attempt to collect usurious interest as defined by the RICO statue, pursuing of collection posted to all my credit reports. Value of debt held lacks incentive to sue for collection, again I would be liable for less than {$50.00}. Unreportable in this circumstance.

The premises the new debt holder maintains the same burden as the ordinal creditor is untrue in situation. My new liability to Southwest requires justification before any agreement to pay is made and if in fact new liability falls below the reporting threshold, it should be removed.
Consumer complaint received 2018-03-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

My previous complaint Wells Fargo stated they did everything correctly, I disagreed with their investigation, but also they say that the appraiser they hired from another County was incompetent in his appraisal of my home, they told me he is a third party contractor and they can't refund my {$460.00} I had to pay up front to get a fake locked in rate. I didn't hire the appraiser, Wells Fargo did. I don't feel I have an obligation to pay someone they hired and could have colluded with to ensure I pay a hight interest rate
Consumer complaint received 2017-03-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: FIRST NATIONAL BANK OF OMAHA (WA)

XXXX XXXX XXXX XXXX called me and represented themselves as working for the federal government. If I qualified for their program ( low income, high debt ) they could erase my credit card debt. So I gave them all my credit card information. They said the process would take three weeks and started by shifting the debt from one card to another. When I later checked what they had done an additional {$2600.00} had appeared among the transfers. I asked the bank that had received this fraudulent charge to delete it, they said they could n't accept it as fraud since I had given them the information.
Consumer complaint received 2021-01-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A. (NC)

I paid off my car loan XX/XX/2020. In XXXX of 2020 I called to ask where my title was. They said it was an electronic title and I had to contact the DMV. I contacted the DMV and they said it was with PNC bank still. I called PNC bank again in XXXX and they said they sent me a payoff letter. I explained that I never received the letter and they needed to resend it. I received the letter later that month stating I was paid in full and the title woudl be released. I assumed I was all set until I went to sell my car yesterday and was unable to since the still held a lien on the title. Numerous calls and hours on hold with PNC has still not resolved this issue. I need them to release this title asap and they are unwilling to do that. As of today I can not get any firm commitment that I will ever get my Title.
Consumer complaint received 2017-05-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WI)

Wells Fargo turn ed a mortgage modification into a nightmare. They lied, misled and hid information that would have helped with a HAMP/HARP modification . Wells Fargo put us into a 3 month trial period program at half our mortgage amount. This gave us hope, even after three months of paying we received a congratulations letter saying we were accepeted into the program and to expect the paperwork in the mail. A month later I called and asked where the paperwork was and WFHM said to keep sending that lower amount. Ten months later they sent a letter saying I was out of the program because the investors did not want to do the deal. When I asked what I should do they had me complete another loan modification HARP/HAMP application. Then two months later, they said I was out of the running because I did not send the proper documentation, after saying  I no longer needed to send said documentation every month. At that point, I stopped paying. A month later they started the foreclosure process and I got a ( bungling ) lawyer. Foreclosure was filed in  XXXX  of  XXXX . Then we were in courts and depositions, then bankruptcy, all to save the house. In  XXXX  of  XXXX  the bungling lawyer finally made his last mistake and everything ruled against me and my wife. Foreclosure was to proceed on  XXXX   XXXX ,  XXXX . We are now out of the house as of  XXXX   XXXX ,  XXXX . There are a great deal of additional details, but that is it in a nutshell.
Consumer complaint received 2022-09-06
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2016-03-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

An account from XXXX from 2006 that was included in a bankruptcy filing is still showing as a delinquent/late paying account in my Equifax file. 
I have submitted the dispute to all XXXX credit reporting agencies. XXXX and XXXX have deleted the account from their records. Equifax has yet to do so. I need your help in getting this resolved.
Consumer complaint received 2022-02-11
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 — Problem with personal statement of dispute
Company: CLGF Holdco 1, LLC (NY)

I have exceptional payment history on all my accounts. During covid 19 various creditors closed my accounts with out my knowledge and issued charge backs on accounts with XXXX balances and all accounts have exceptional payment history. This has caused my credit that I have worked so hard for to drop substantially. I have paid off every card infull and on time. XXXX XXXX has issued charge backs after I paid in full. Other creditors closed my account with notifying me and continually and fraudulently issued false late payments. This all happened during the pandemic and i am beyond frustrated because I have paid them all in full. Please help I will take this to the highest court I needed because this is un-American and more so very fraudulent practices. To prey on families that have paid and fulfilled with exceptional credit only to be penalized by false claims. Please advise. I will not allow my hard work and dedication to go down the tube for fraudulent businesses. Thank you.
Consumer complaint received 2016-10-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (TX)

I called into make my monthly payment and was asked if I wanted to go nto a special program that would allow me to skip one month payment. I was not over 30 days past due but was telling them my son was in college and was curious if they had a way to skip a payment. They said they did have a skip a pay program. I was thrilled but working in a job that would not allow me to show a late mark on my credit I explained I had to be sure it would n't affect me negatively. He said as long as I made the payments on time I would not have anything to worry about. I was thrilled! I explained I had to be sure it would not affect my credit score and they promised it would n't. I never signed any documents but they ended up moving to a loan restructuring program that basically pulled money from my escrow account. I had NO idea this was happening. I need someone to request the phone records since they said the conversation was recorded. I now show I was moved to another lender for 6 months but my actual loan with XXXX show all payments were made on time. No late marks. But this other lender XXXX now pops up on credit report and shows I was 30days past due the entire time I was in the program. They completely misrepresented themselves. How could they do something like this without me signing any documentation. I work at a bank and have never seen anything like this in my life. I have never complained before. This is just totaling breaking consumer disclosure laws. please help me.
Consumer complaint received 2016-10-13
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (CA)

i added a credit card from XXXX XXXX to my paypal account to pay for services i charged to paypal, including lyft and uber. i had previously used a bank account from XXXX XXXX XXXX to pay for paypal charges. without notifying me that the XXXX card was not used, paypal charged XXXX XXXX XXXX approximately {$34.00} in expenses from XXXX and XXXX and i believe XXXX. XXXX XXXX XXXX returned the payments. paypal repeatedly billed these expenses to XXXX XXXX XXXX without notifying me, and as a result i incurred upwards of {$700.00} in overdraft fees. ( to add context, i learned during this time period that my father has XXXX, and i have been distraught, i do n't just not check my bank accounts as a matter of course ) i asked paypal for a letter to explain the situation to XXXX XXXX XXXX, which they provided, and i furnished that letter to XXXX XXXX XXXX, but XXXX declined to refund the overdraft fees to me. i feel that i have been swindled, as I was charged over {$700.00} in fees for less than {$40.00} in overdraft. were this a loan, it would be usury.
Consumer complaint received 2016-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MA)

iHAD A MORGAGE LOAN MODIFICTION IN 2010 AT XXXX AT 5.65 % PRINCIPAL AND INTERST PAYMENT XXXX DOLLARS I HAVE SPOKE WITH A NEW MORGAGE COMP AND HAD 3 WAY CONVERSATIONS WITH MY CURRENT CHACE MORGAGE THAT CAN NOT GIVE ME AN ANSER TO WHY MY PAMENTS ARE THAT OF A 8 % RATE.
Consumer complaint received 2016-01-23
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY (FL)

Dillard 's I had a {$0.00} balance in XXXX, bought XXXX presents in XXXX which totaled {$120.00}. Payment is due XXXX/XXXX/16. Logged into my account to pay the bill on XXXX/XXXX/16 and it showed " No Recent Transactions '' but a balance of {$150.00}. I called to ask why the {$25.00} difference and was told " The system automatically puts a late fee on your account, if your payment is n't made by the due date. '' I said, " But today is the due date, it 's not late until after XXXX ( It was XXXX ). " If I was n't paying attention, I would have paid you an additional {$25.00} that I do not owe you. '' Then she told me " that 's how the system works '' and got very short with me, so I hung up. Bottom line, Dillard 's is charging a late payment on an account that 's just due today. It does n't seem legal to assess a late fee to an account that is still within the payment due date window. I always pay directly to the Dillard 's site, by my due date. It makes me question how many other times I 've been charged a " late fee '' when I was well within my payment window. Their " system '' should not be tacking on a late fee until after XXXX on the date due. 
**Also, there was nothing on the statement that shows the addition of a {$25.00} charge or what it 's for, it just got added to the balance.
Consumer complaint received 2024-03-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/year> I was called on my cell phone by what was supposedly Wells Fargo fraud department. They told me that there has been a wire transfer of {$9800.00} from my account due to a scammer. I was told scammers use a technique where the wire transfer wont show up in my account. I was then asked to wire {$9800.00} to an account so they could assign me a new account number and prevent the apparent scammer wire transfer. During this phone call they sent me more than one advanced access code on the same text thread as Wells Fargo has used previously. They were able to see the name and amount of funds in each of my accounts. I ended up wiring {$9800.00} to the account given to me due to believing it was the fraud department with Wells Fargo. I then hung up the phone and called Wells Fargo customer service immediately and found out that the previous phone call was a scam. I reported it as fraud and they did their investigation and have decided they can not refund me my money. The fact that this person had access to my entire account and could use their text thread to message me access codes tells me Wells Fargo is not doing what is needed to protect their customers. I would like my {$9800.00} back into my account. Any help would be appreciated.
Consumer complaint received 2021-06-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Millennial Home Lending, Inc (NC)

On XX/XX/XXXX I was informed by my estranged husband that a mortgage refinance loan had been approved by Millenial Home Lending and that within the next 30 days I had to sign the documents. The mortgage refinance loan was approved at a rate of 2.49 %. 

This confused me because I am on the current mortgage loan and did not consent to any mortgage refinance. Upon reaching out to the company and the mortgage consultant, I was able to receive the signed document which showed my estranged husband 's information and incorrect information that he provided for my profile. He listed all of my personal information, falsified my income, and misrepresented our status as married instead of selecting the option for separated. 

I was unaware of the application because the mortgage consultant and my estranged husband listed his email address and phone number for both of our profiles during the application process. This allowed my estranged husband to fully submit the application, forge multiple electronic signatures for my profile, have my credit pulled, and the loan terms locked in with me being fully responsible for the refinanced loan without any communication or approval from me. 

I contacted Millenial Home Lending and spoke with XXXX XXXX and requested the mortgage application be cancelled and that a fraud investigation be opened. The signed mortgage application documents were provided to me on XX/XX/XXXX but Mr. XXXX has not responded to my request to investigate how this application was allowed to be completed without my involvement.