davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (AZ)

I had an auto loan with Wells Fargo. I paid the loan in full over 6 months ago. Wells fargo has failed to provide me with the pink slip title to the vehicle, even though I have made several attempts to follow up. Shortly after I paid off the vehicle I moved. At the time I updated wells with my current address. When I called to follow up, they said it was sent to my old address. I asked them why they did n't update the address and they could n't really say, but they promised to send it again. We made sure we were on the same page about the address. A couple of months pass and I get nothing. I call back again, and again they say they sent it to my address on file, which is my old address. When I complained bitterly about this they changed their story and said they sent it to my new address. I get mail here all the time, they never sent it or I would have gotten it. They refused to let me speak with a supervisor or manager. They are clearly having a lot of problems with their systems and procedures. That said, 6 months is more than enough time, and I have followed up with them several times. They are legally obligated to provide me with the title to my vehicle and I expect them to fulfill that obligation. I can not register my vehicle after moving to AZ without the title and I am now driving an unregistered vehicle thanks to Wells Fargo.
Consumer complaint received 2022-02-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: OneMain Finance Corporation (ME)

My loan with One Main Financial was paid off on XXXX XXXX, 2022. I never received a pay off quote from them per my request to confirm the amount paid to them by the insurance company was correct. on XXXX XXXX they took a payment from my XXXX XXXX account in the amount of {$230.00}. I'm looking to get a refund for the payment taken from me after the pay off and a copy of the pay off quote used to process my pay off.
Consumer complaint received 2016-10-13
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NC)

This is the third complaint I have filed against Wells Fargo. First they opened a credit card in my husband 's name and mine. We did not request this card. I also found out they attached the credit card to an account that was in my name since XXXX. This account was set up for my job. All direct deposits for pay went to this account. I also had set up this account for online bill pay. They changed the primary owner of this account to my husband so that the credit card that Wells Fargo opened ILLEGALLY, without our approval or knowledge and added it as overdraft for the the account. In XXXX XXXX, I made transfers for XXXX transactions from another checking account in my name to what I thought was my primary account to pay bills over a 35 day period. Not only did Wells Fargo transfer those monies back into the checking but they also made cash advances on the credit card and charged us for overdraft protection resulting in almost {$500.00} in cash advance fees, interest, and this overdraft protection fee. Neither my husband or I knew that my primary account had been manipulated and my identity and my husband 's were stolen by using our social security information. Now today XXXX/XXXX/XXXX, I have found my other credit card information has also been changed for the online bill pay lists placing all of my credit cards, different from my husbands and not in his name, changed to his name along with changing the account numbers for these cards. XXXX card number was not correct at all. I now have to check all of our credit card statements to make sure that the bills have been paid!!! My advice to any Wells Fargo account holder is to check everything in your accounts because they did a lot of damage not only in CA but across the US and in many different areas of your banking accounts!
Consumer complaint received 2016-08-16
Product: Consumer Loan — Personal line of credit
Issue: Account terms and changes — 
Company: Great American Finance Co (WI)

Checking credit report, found credit inquiry from Great American Finance. Call them, identified myself with ss #. 

They tell me they have no record of running my credit. Called XXXX and was told the only way they can do anything is with a deletion letter. 

So I guess XXXX has no authority or remedies here when there 's potential fraud, seems a bit short sighted to not have some built in protection or authority required by credit agencies. Then again, they 're here to sell us that protection, way to go on that one, someone 's always looking for a way to take our money. 

Since they have no authority, let 's use up your time and some of our tax dollars. Since we 're paying for you to do this job, you might as well do the credit reporting that the bureaus do. 

I need to find out what 's going on here and have this removed, thank you
Consumer complaint received 2020-06-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. Auto Sales Inc. (GA)

During times of uncertainty, I purchased a vehicle on XXXX XX/XX/2020. I'm XXXX years old. And all I asked collection representative ( XXXX XX/XX/2020 XXXX, Ms. XXXX, I would like to change my car payment due date to the XXXX of the month. I was stalled by the rep and told I had to perform extra activities before USAuto Servicing will change my due date. At the time, I initial my sales contract, but my XXXX  was XXXX  due to my XXXX XXXX.
Consumer complaint received 2018-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: COMMUNITY FINANCIAL SYSTEM, INC. (NY)

XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX   XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX Home : ( XXXX ) XXXX XXXX   Fax : ( XXXX ) XXXX XXXX XXXX Cell ( XXXX ) XXXX XXXX XXXX Email : XXXX XXXX XXXX XXXX XXXX : XXXX   XX/XX/XXXX Dear Consumer Financial Protection Bureau : 1 . I filed a complaint against COMMUNITY BANK on or around XX/XX/XXXX, for elderly-financial abuse, theft, and fraud. This banks ' employees, involved with the organized-crime, aided and abetted an organized-crime member XXXX in stealing {$1.00}, 200.00 from me.

2. XXXX XXXX stole my {$1.00}, XXXX through a scheme of renting an illegal apartment aided and abetted by the local and state police ; so, they refused to file a police-report. When the local and state-police saw no other option, they filed the report ; but it was falsified.

3. The police-report looked like I have lived in the apartment and, then, the apartment became damaged ( by my use ) ; so, it was not fraud, but a landlord and tenant-dispute. when, in reality, XXXX XXXX   rented the said apartment with dozens of violations, said that he was going to fix it before he cashed my first month-rent and security deposit.

4. After fixing the apartment, he was supposed to give me a lease and the key. Then, he was going to cash the check for the said two months. This never happened. He cashed the check immediately after I gave it to him and never repaired anything. When I went to the bank and reported the fraud and scheme, they told me that they would not follow the law ; so, I could get my defrauded money back.

5. I, and an ocular witness, have seen the local state and police- officers at the local motel -- where people drink, rent rooms for a night or two, and eat. I dont know if XXXX XXXX or his family own the said motel ; but I do know that they are friends with XXXX XXXX and hang out where he does at the said motel.

6. After I found out that they hang out at the same motel and are good friends, the said police refused to follow the law and arrest the perpetrator for fraud XXXX XXXX. After I filed a complaint with the Consumer Financial Protection Bureau, COMMUNITY BANK retaliated against me and ran another scheme involving covering up parts of my rent-checks, at the new place where I rent.

7. I rented another apartment because I almost died of infections from XXXX XXXX 's illegal-apartment. After I got terrible infections from the said illegal-apartment, I went to the local XXXX-Hospital in XXXX, NY. There, coincidentally, two nurses and an Assistance Physician tried to XXXX me. I have a 911-Call and ocular witness.

Sincerely, XXXX XXXX XXXX, XXXX Citizen
Consumer complaint received 2015-06-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (NV)

I continue to get calls from XXXX, who state they are a debt collector. I have no debts, other than a couple of credit cards, which I pay off monthly. I have no idea why they keep calling me.
Consumer complaint received 2015-12-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

Received a collections notice, with no info other than a doctor I 've never heard of named. No date of service, no anything. I spoke to XXXX who was extremely rude and said she ca n't give me any info, that I need to pay {$42.00}. I have paid ALL of my medical bills, and on time. She refused to give me any info on WHAT this bill is for unless they send me 'promise to pay ' letter which means Im then 'on the hook ' to pay this and agreeing to pay it by asking for info in writing?! Very concerning!
Consumer complaint received 2015-08-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Acquired Assets, Ltd. (CA)

In XXXX 2011 I had an accident while using a rental car from XXXX corporation. I was assessed a charge for that accident and paid in full in XXXX 2011 using a credit card. I have both the receipt for the payment from XXXX and the credit card statement showing the payment to XXXX. I also have the credit card statement the following month showing my payment of the bill from the credit card company. XXXX somehow did not correctly record the payment and after attempts to get me to pay the bill again and trying to recharge my credit card, sold the collection to a collection agency, Allen and Associates. Allen and Associates contacted me and I provided my proof of payment. One year later I was contacted by a legal firm, XXXX XXXX threatening collection action. I again provided full proof of payment of the outstanding original bill. Now almost two years later XXXX has filed in the local, XXXX CA, superior court a lawsuit for collection of debt. I have tried to work with each of these corporations and provided them with proof of payment with no success. At this point I need to engage legal support in order to demonstrate and counter this frivolous lawsuit. 

XXXX has also filed a credit default with the credit agencies which is false. 

As XXXX indicates that any complaint should be filed with the FTC, the FTC directed me to the CFPB. 

Thank you.
Consumer complaint received 2015-06-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (CO)

I have been disputing acct # XXXX from XXXX XXXXBack in XXXX 2015 XXXX had this account # XXXX and I made a settlement offer of {$320.00} owning no more. 
I guess communication was lost between them and XXXX. 
XXXX then sent me to another 3rd party named Afni acct # XXXX saying I owe {$130.00}. 
I spoke to numerous people from afni and they said to send an email that states that I did a settlement with XXXX sent very letter that will be attached with this. 
I Then called XXXX at XXXX XXXX on XXXX/XXXX/2015 and spoke with XXXX XXXX XXXX XXXXHe was very confusing and had said he 'd wave all this as a XXXX? 
I 'm not sure what this meant the gentleman was very hard to understand. 
I then Got email back from afni on XXXX XXXX saying I still owe {$87.00}, I now have spoke with a XXXX with XXXX mst on XXXX/XXXX/2015 XXXX XXXX. 
she said it 's all on XXXX sideso I called and spoke with a XXXX XXXX ( XXXX ) she instructed to give afni the letter again that the account is closed and a the balance is {$0.00} and to close this account with afni.
Consumer complaint received 2021-06-03
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: EdFinancial Services (FL)

XXXX  continues to list XXXX XXXX XXXX ) XXXX  accounts as in collection in XXXX and XX/XX/XXXX. XXXX  XXXX ( XXXX ) continues to report the same nineteen reports to credit agencies. Records ( attached ) clearly show that all of these accounts were closed in XXXX when XXXX XXXX consolidated them, that they are not overdue, and that they are not in collections. I have twice requested for XXXX  and XXXX to remove this incorrect information. The latest request was in XX/XX/XXXX. Both XXXX and XXXX  have failed to remove the incorrect information.
Consumer complaint received 2016-10-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (DE)

Carrington mortgage has mis applied payments to the acct # XXXX. Payments were sent to mortgage lender as agreed and they did not apply the XXXX XXXX payments timely. They applied XX/XX/2016 payment in XX/XX/2016 its notated on mtg statement. XXXX XXXX payment for XX/XX/XXXX was never applied to the acct and the lender stated they have no record of any payments. We sent proof of payments to the research dept several times with no response from research dept. Perm modification was issued in XX/XX/2016 with a new due date begininig XX/XX/2016 and that payment was not recorded for XX/XX/XXXX but XX/XX/2016 which has caused my client to default on perm modification which is not their fault.
Consumer complaint received 2016-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

Been on auto debit for years with loans I 've already paid in full and current loans which are being auto-debited. The loans are through Navient. They have not been giving me the discount for auto debit. Which they told they would years ago. When I caught it, now they need weeks to investigate it. Please help me
Consumer complaint received 2015-10-28
Product: Debt collection — Federal student loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Firstsource Business Process Services, LLC (FL)

The company listed on the attachment posed as a debt collector for the department of education. Leading me to believe that my debt would be settled and cut in half if I agreed to make a one time payment. The company told me that the department of education would be paid in full by them. Months later I received a call from another agency representing the department of education, " saying the debt still remains and nothing was paid off. "
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The  XXXX   XXXX  Domestic Relations Section in  XXXX  Pennsylvania has been reporting alimony pende nte lite (  hereafter APL ) to all   XXXX   credit reporting agencies as " Child Support '' and placed for collection and  XXXX   XXXX  Domestic Relations as a creditor. In the  XXXX  an d Trans Union  they have it listed as a " Individual Loan '' and still listed as a Child Support loan. Not only is this a violation of the FCRA for reporting it as Child Support When in fact i am not and have not been late on Child Support payments. In fact I am over paid and have a balance they state issues me a credit every month for over p  aying.
The Domestic Relations Department stated to me in several emails and verbally on the phone that They know its being reported incorrectly but they have no other way of handling this and do it for thousands of others.       Upon making many attempts to get it correctly through  XXXX   XXXX  in writing and directly through the  Credit Reporting A gencies, I was always told it wont change.     I filed a law suit after 9 months of failed attempts and losing several credit cards and a home loan due to the misrepresenting on my credit report. The same day as filing the law suit,  XXXX   XXXX   Sent an email accepting fault and said they will fix the credit report for me. They have fixed it, but not prior to causing me enormous financial harm and damage to my reputation with creditors and with   those within our community and business relationships with my banks.     I am still proceeding through the courts with this suit, but I am writing you as I am concerned that this is happening to many others with in our community and possibly state.
Consumer complaint received 2017-01-20
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE (MN)

I received my credit card bill with a non cash advanced interest charge. I contacted the card company at XXXX on XX/XX/XXXX and spoke to XXXX. She stated the system was down and could not help me and to try after lunch. I called back at XXXX CST The system was still down. 
I called back today XX/XX/XXXX at XXXX the automated system said the system was down. I searched to find a non XXXX # I called XXXX and got a live person, XXXX. 
XXXX stated that the system was down being updated. 
I told him I was skeptical and wanted to close my account if I could not get an answer. He stated to call back around XXXX EST. I wanted to close my accounts but could not because of some technical issue on their end, is n't that illegal? I am accruing interest charges and can not stop it, and they can not tell me why they are charging me interest ( I pay in full ) so I do n't have any recourse. I want them to be investigated, I think they may have been hacked and are keeping it a secret.
Consumer complaint received 2020-10-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (OH)

On XX/XX/2020 I ordered an Ergonomic Office Chair on XXXX XXXX Order # XXXX ) for {$320.00} and paid with my XXXX XXXX XXXX XXXX which is issued by Synchrony Bank. 
I contacted Synchrony on XX/XX/2020 to dispute this order and cancel it. 
The order was delivered but the wrong item arrived. I contacted XXXX and they provided me with a return authorization number. 
On XX/XX/2020 XXXX  XXXX picked up this chair ( Tracking # XXXX XXXX and delivered it to the retailer on XXXX. This package was signed for by : XXXX. 
I contacted XXXX to see when the credit would post to my card and they said it was credited on XX/XX/2020. 
On XX/XX/2020, XXXX weeks after I initiated a dispute with Synchrony regarding this credit, I was told by XXXX ( Custome service manager ) that I needed to show proof that the item was returned. On XX/XX/2020 I sent Synchrony a 10 page fax showing the return of this item to their fax # XXXX XXXX XXXX XXXX. I included my XXXX XXXX store card number my address and home phone number. 
I was told that this should be resolved in 14 days. I have not received any communication from Synchrony. 
I do not understand why Sychrony bank can not contact XXXX and find out where the money was refunded.
Consumer complaint received 2016-05-05
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: HCFS Healthcare Financial Services of TeamHealth (LA)

This is a XXXX complaint ... I am not seeing my situation as a choice so I chose Contact me after I asked not to ... The FIRST is that this purported debt collector, ARS, Account Resolution Specialist has been calling me for months to over a year and continually asks me for my personal information over the phone. There is no way for me to know who I am speaking with. When I refuse to give out my information, even after I say that I am myself, they hang up. This is harassing in nature. If they have my information and call me they should say what they have to say ... not continue to call me and ask me for my personal information. They are not accomplishing anything other than to PHISH for my information and seems to be a very unethical business practice. I suspect, but do not know for sure, that they are trying to collect for a medical bill which leads to the SECOND related complaint ... I suspect the debt is possibly from XXXX XXXX XXXX in XXXX XXXX ( I was very ill about 2 years ago and had to see several doctors ) XXXX seems to regularly and frequently sell their debts to varied collectors. If this is the case, then XXXX too is at fault in that when I call XXXX I am told I have one balance which on its face seems as if the insurance company has paid something else, but in reality there seem to be additional remaining debts attributable to XXXX that are impossible to track because XXXX has cast bits and pieces of the debt out to varied collectors and XXXX is either unwilling or unable to provide the debtor 's information to me. There is no way for me to have an accurate accounting of what I owe. This is unduly burdensome and virtually impossible to track. I received the most recent call on XXXX/XXXX/16 about XXXX CST. Also my father was in XXXX long ago XXXX and I am not comfortable including his information in this site.
Consumer complaint received 2017-02-24
Product: Credit card — 
Issue: Transaction issue — 
Company: BBVA FINANCIAL CORPORATION (TX)

I have a credit balance of {$46.00} with BBVA Compass bank on a closed credit card. I have been into a branch 3 times, first in XX/XX/XXXX, in order to try to obtain the balance and they have made broken promises each time that a check would be on the way. It has now been 3 months and they have not paid me the money I am owed.