davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

After 6 months of submitting applications with all my tax returns, bank statements, and all the many documents required XXXX times over, Wells Fargo Bank is moving towards foreclosure on my property. After making the payments required to test me, which were all returned to me, Wells Fargo Bank reneged on their contractual agreement with me in order to go to foreclosure as fast as possible. This is called bank mortgage fraud against the victim myself as the borrower. The reason Wells Fargo Bank is doing this is that they know the value of the property exceeds the loan amount so they do not wish to try to give me a remodification agreement. It is easier to just make themselves whole and XXXX me. The property in name is XXXX XXXX XXXX XXXX. # XXXX XXXX, CA. XXXX. I have had XXXX of phone calls conversations and messages to them. Please help me.
Consumer complaint received 2015-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NAVY FEDERAL CREDIT UNION (CT)

In XX/XX/2010, years after having XXXX, my XXXX again, forcing me out of work. Seeing a potential problem on the horizon, I contacted my lender, XXXX, to get into the HARP program. I filled out the required documents, and met the requirements for HARP. I spoke to the bank rep that worked with HARP/HAMP. He asked me " are you having problems making your mortgage payments? '' I replied that things were tight, and that is why I wanted to refinance the mortgage and equity loans. 
Unknowingly, I was put into the HAMP program, and was told to make reduced payments for a trial period. I did this, not knowing any better. About five months later, I get a package in the mail, stating we had been accepted into the program, and our mortgage payment would be about {$120.00} lower then the original monthly payment, and the loan would be extended for 40 years. That would have me making payments until I was XXXX years old, and the XXXX was more then I was paying during the trial period, and would be swallowed up with the next property tax and insurance increase. I opted out of the program. By this time I had been notified that this was HAMP not HARP, and because I was making reduced payments, I now had a history of late payments and was then, no longer eligible for HARP.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

On XXXX XX/XX/2024 Office of the Atty Gen reported on my credit I was past due and due to that my credit has degrees XXXX points. I contacted the office and explain I join the XXXX as XXXX XXXX  so during my training I did not have access to my phone to make the payments but soon as I did I cleared the account and in the bottom I attached prove of account been cleared and prove of my XXXX XXXX XXXX with start date. However In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to private ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-03-11
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Monarch Recovery Holdings, Inc. (PA)

I submitted a complaint multiple times about XXXX for reporting inaccurate information. Now my information is in the hands of this collection agency by the name of Monarch Recovery Management Inc. I have never received any phone calls, letters or any sort of documentation regarding this company having my information on file. I feel violated and threatened that this company has my private and may be using account numbers, address, phone numbers in a derogatory way. I want this information terminated and most of all having this account deleted from my credit report. I repeat that it 's to be deleted.
Consumer complaint received 2017-02-25
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: WELLS FARGO & COMPANY (MI)

Hello, When I just come from XXXX, I had XXXX years old, much everyting seems to be new and different to me. I start working, but I did n't know that there were people that was planning to make me feel sick and XXXX by bringing me to problems that they sure n't can involugrate me on, i were not inform of much and they violate my trust and laws of respect, dignity and identity, and now I have been harassed by collections agencies, for example this one that I just find in my mail today from : XXXX original creditor : Wells fargo Bank , N.A . original account number XXXX current Creditor : XXXX, XXXX. XXXX Account No : XXXX Current Balance : {$10000.00} I feel they just have been disturbing my patience, and they try to charge something that I dont have, something that I did n't purchase. I hope some one can help me to stop the corruption and harassment they have been planning against me and good people.
Consumer complaint received 2016-10-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Comerica (CA)

hi I bank with Comerica Bank for many years and rarely overdraws my account. it all started when I initiated a online transfer for a check I am writing on XXXX/XXXX/16 for {$300.00}. I need to write a check to my acct ending in XXXX that day. Before going to make the payment at XXXX XXXX XXXX, I made sure I transfer the funds from my acct ending in XXXX. I thought all is done and set. When I sent online to check my account, I notice that my acct XXXX is overdrawn. My transfer on XXXX/XXXX/16 seems like it never happened. I notice that there were 3 overdraft items instead of just one. I ponder on that as how could that be?!?! I did a couple of online bill payments on XXXX/XXXX/16, but it did not leave the account until XXXX/XXXX/16. I know this because I see it have already deducted from my account that morning when I did the {$300.00} transfer. I did the transfer at exactly XXXX that day. I called customer service to make them aware of my situation with their online system. Of course they say they do not see any issues. I point out to them that there is because I did the transfer and it did not show and also the mobile system is out of whack. its showing that transaction are being done on weekends. They refused my explanation and refuse the refund. Then I ask them why I was charged 3 {$33.00} fee instead of 1? I notice from my transaction history that it seems like all the transactions were aligned that the biggest item paid firest rather then by the time they are presented like most banks do now. The rep said that it is Comerica 's policy to align the biggest items first. I feel that 's their policy to make more money from their most unfortunate clients. Please take a look that this policy as I strong feel that this is not the right thing to do especially when I paid the other XXXX small items 5 days ago. please contact me if you have any questions or any proof. thanks XXXX XXXX XXXX
Consumer complaint received 2015-10-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Radius Global Solutions LLC (DC)

On XXXX XXXX, 2015, I received a letter from Central Credit Services LLC, dated XXXX XXXX, 2015, attempting to collect a debt I allegedly owed XXXX. On XXXX XXXX, 2015, I sent a certified letter to Central Credit Services ( i ) denying that I owed the debt ; XXXX ii XXXX demanding that they cease attempts to collect the debt or contact me until they could satisfactorily demonstrate the validity of this debt ; XXXX iii XXXX stating that any further contact should be in writing to a specified address and only for certain limited purposes ; and XXXX iv ) directing them to refrain from reporting any negative information to a credit agency. This letter was delivered to Central Credit Services on XXXX XXXX, 2015. 
Subsequently, on XXXX XXXX, 2015 XXXX I received a call from XXXX. The caller would not identify herself at first ; only after multiple requests on my part, did the caller acknowledge that she was calling on behalf of Central Credit Services. I told the caller that I had disputed the debt and directed them not to contact me, that calling me was a violation of the FDCPA, and that I would be filing a complaint against the company.
Consumer complaint received 2015-06-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau of the South, Inc. (LA)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Consumer complaint received 2020-11-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (CA)

I bought my new car this year on XX/XX/2020. 
the finance manager lied to me about adding GAP later at anytime. 
I recently had a car accident and my Insurance considered it total loss and I ask their network body shop if its fixable. the employee said its fixable and Im seeing Santander and my insurance rather re sell it at the XXXX XXXX to gain money instead fixing their fixable car, to me it unfair and predatory on their behalf. I lost my job because of their practices with the Insurance. I want the car fixed properly and refinanced with someone else with a lot lower interest and lower monthly payment because their car will be worth less than XXXX. I got another job but Im pretty sure it wont cover the XXXX  monthly payment now.
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hey, I was really shocked when I last reviewed my credit report and found a new late payment on the dates below : XX/XX/2020 for 30 days late with the account status of Late 30 Days. 

I am not sure how this happened, despite the pandemic, I did my best to pay all my bills on time. I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2016-04-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (CA)

I borrowed from sallie mae XXXX times XXXX in XXXX and another in XXXX and XXXX totaling XXXX. I was taking classes to become a XXXX but because of my ongoing health issues it was difficult for me to stay in school consistently, having XXXX XXXX and taking XXXX XXXX medications throughout this time I have still not completed school but have become XXXX but only making enough income to survive. Refusing to get onto social security income, my income is still limited. I am a mother and take care of my child with my income. This debt is XXXX years old but still remains on my credit report and although I borrowed XXXX total, it shows as XXXX on my credit report. XXXX XXXX is not the one calling and harassing me but another company, they have threatened jail time as well as putting a lien on my property, but I have no property so I am not sure if they are talking about my car which I am assuming they are. I have sat on the phone with them with tears in my eyes trying to explain that I have no way to pay, they then state that I am refusing to pay and, what kind of person gets a loan with no intention to pay. I did intend to pay this debt back, I thought that I would be healthy enough to finish school and have a financial stress free life, well I am not financial well off but I am still a happy person that is until I have negative people calling me at times that I asked them not to call and disrupting my business while accusing me of being a low life. I did not even know that they could do that. I would never recommend sallie mae to anyone based solely on the fact that they sell there debts to the worse people ever. They will not stop calling me. and are very evil people. I have learned to try and avoid them but they call over and over if I dont answer the phone and willl even call from blocked numbers if I dont answer the phone.
Consumer complaint received 2022-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I CALLED THIS COLLECTION AGENCY THAT MY MORGAGE COMPANY SAID I HAVE A JUDGEMENT AGAINST ME..I PULLED MY CREDIT REPORT TO SEE BUT I DIDNT SEE THEM ON THERE. SO I CALLED THEM AND THEY TELL ME ITS A XXXX DEBT FROM XXXX. I TOLD THEM I DIDNT HAVE A XXXX XXXX MY EX HUSBAND DID AND IT WAS ON OUR DIVORCE DECREE THAT HE WOULD BE RESPONSIBLE FOR HIS BILLS AND HE SAID IT WAS IN UNDEER MY SOCIAL WHICH HE TOLD ME THE SOCIAL OVER THE PHONE I ASKED HIM HOW HE HAD THAT AND HE SAID IT WAS FROM THE DEBTOR.. I SAID NO BECAUSE I NEVER HAD A CARD FROM THAT COMPANY OPEN IN MY NAME HE ASKED ME IF I WAS PAYING IT AND I SAID NO IM NOT PAYING MY EXES BILL THAT IS NOT MINE AND I NEED IT DISPUTED AND HE SAID SO YOU ARE SAYING YOU WONT PAY IT AND I SAID DID YOU NOT HEAR I HAVE NEVER HAD A XXXX CARD AND IT IN LISTED ON MY DIVORCE DECREE THAT MY HUSBAND WAS THE ONE WITH A CARD HOW DO YOU HAVE MY SOCIAL SECURTY # HE SAID ARE YOU REPORTING THIS AS FRUAD. I SAID YES I JUST TOLD YOU I READ HIM OFF WHAT IT SAID ON THE DIVORCE DECREE AND HE JUST KEPT TALKING ABOUT HOW HE DOESNT CARE AND IT WAS ISSUED BY THIS BANK IN BEHAVE OF XXXX AND I TOLD HIM IF WAS MINE HOW WOULD XXXX GRANT ME A CARD NOW THEY WOULD DENY ME..HE SAID BECUASE THEY ARE DIFFERENT BANKS AND I SAID YES BUT IT WOULD HAVE BEEN on my credit these Last 9 yrs o i looked at my report this weekend and that name has not been on there.I still get all the debt collector harassing me all these yrs over my exes bills.can I please have this removed so i can buy my house that was awarded to me in the divorce from my ex please
Consumer complaint received 2022-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I deposited a check that I got from my attorney and the lady at the desk as I deposited the check said partial payment will be available the next day and the other 4 days later after depositing the check I then get a message saying they holding my check which the funds are available. My bank is Bank of America my name XXXX XXXX ss # XXXX
Consumer complaint received 2017-02-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

sometime the end of XXXX Bank of America closed my ATM card and sent a new XXXX which I activated. The new card that was activated keeps being declined even thou I have the funds. Calling them, after being on hold for someone the phone hangs up. I cant spend the entire day calling I have to work. My card was declined XXXX XXXX and again XXXX XXXX. On the XXXX a text was sent to me asking if I tried to make the purchase and I responded yes. They have my card lock so I cant use it anywhere. On XXXX XXXX I made an online payment for my electric which I checked and that amount was taken out. A few days later it was put back only to be taken out again on the XXXX. When I checked my account on the XXXX of XXXX and saw I had extra money in there I paid other bills. I did n't realize they put back the amount I paid on the XXXX, this made XXXX transactions overdraft, this is how they make money confuse people thinking they have money by putting back payment that was taken out and pulling it back out a few days later. These fees should have been refunded and the bank needs to stop playing games. Other people in my family say the same thing, they make online payment, see its out of there account then a day or so later is put back into the account and taken back out XXXX to five days later. These XXXX fees needs to be refunded since its their fault for putting money back into my account, after I 'm thinking its out and then waiting 5 days later to pull it out again. My ATM card needs to be active so I can use, and not have every purchase declined.
Consumer complaint received 2021-01-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent off two notarized dispute letters on XX/XX/XXXX and XX/XX/XXXX. It has been over 30 days and I have yet to receive a response from Experian. With that being said under the FCRA, if an investigation is not completed 30 days after receiving a dispute letter, they must delete all of the unverifiable and inaccurate information contained within that dispute letter.
Consumer complaint received 2016-05-05
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America placed limitations on my account. Refused to settle terms under the Mines and Minerals Act as the XXXX intermediary for XXXX. I have sent a International wire transfer to ; XXXX : XXXX, Bank of America N.A.,XXXX XXXX, XXXX XXXX NY XXXX. Account number XXXX ; XXXX number:XXXX ; XXXX : XXXX, XXXX.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (LA)

Equifax/Equifax Credit Bureau sent letters stating they are unable to find my file. This is fraudulent because I call XX/XX/2022 and XXXX was able to verify me and pulled my file. I also applied for XXXX in XXXX and Equifax/Equifax Credit Bureau was the credit agency they reference and Equifax/Equifax Credit Bureau provided XXXX with my file with no problem.
Consumer complaint received 2017-02-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

My home was in foreclosure for a number of years. After trying to sell it by short sale, I requested a deed in lieu of foreclosure with my lender Wells Fargo. The request was approved by correspondence dated XX/XX/2016. I received a Deed and other transfer documents to execute and notarize. I returned the package to Wells Fargo on XX/XX/2016. According to the approval, I was awarded {$7000.00} in relocation expenses. My problem is that it has been more than 60 days since I executed the documents and have not received the promised payment.
Consumer complaint received 2015-05-03
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Adjusters, LLC (HI)

On XXXX XXXX, 2015 I received an initial letter from National Credit Adjusters claiming that I owe {$1700.00} XXXX. The notice violates the FDCPA section 809
Consumer complaint received 2015-10-29
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (MI)

I thought I had lost my card on XXXX XXXX, 2015, I tried to call in to have my card blocked and after being on hold for over an hour I logged into my online account from my computer and found that I could block my card myself. After blocking my card a few hours later I found my card. For the next 4 days I have been calling and calling being put on hold for hours and being hung up on I have yet to have my card unblocked. I have also emailed the company 's member services email twice and have yet to hear anything even though I was told I would have a response in XXXX hours I have a daughter who needs diapers, bills to pay and I have no access to my money because I can not unblock my card.
Consumer complaint received 2015-10-27
Product: Prepaid card — Government benefit payment card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (MO)

I have requested my replacement rushcard XXXX paychecks ago and have yet to receive it. I have paid expedited fees and still have yet to receive my card. I have request it XXXX times starting on XXXX XXXX. I have XXXX small children XXXX XXXX XXXX and I can not pay my bills and can barely make it to work. All my money is on that rushcard and I am beyond frustrated hurt upset annoyed and irritated.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I was checking my consumer report and saw a bunch of credit inquiries I do not recognize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Citibank has non-industry standard minimum payments and late fee structure which is misleading to the customer. 

On XXXX XXXX, 2020, I made a cash back redemption from credit card reward points that covered my entire monthly statement balance. I therefore had completed my payment obligation of the amount due. Later, I found that Citi had charged me not only a late fee but also accrued interest on my purchases. I called into customer service and was told that the redemption amount did not count toward my minimum required payment. The same goes for decreases in balance due to refund credits direct from a merchant. This causes a very misleading situation where my remaining statement balance could be {$0.00} but I still owe a minimum payment balance, and failure to notice this will result in inflexible late fees and interest charges. This system is flawed and Citi is the only issuer I have ever experienced this with, having owned credit cards from a wide range of credit card issuers.
Consumer complaint received 2015-10-26
Product: Prepaid card — Transit card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (SC)

I have funds missing from my account and I 'm unable to access my funds. I need gas and have to pay bills. My balance is showing XXXX and I know for fact I have about {$350.00} missing. Rushcard needs to cut me a check for this upsetting experience. They ca n't pull up any account information when you call customer service. It 's sad. I 'm depressed behind this.