davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (WA)

I was depositing a XXXX Bank check ( made out to me ) at my Wells Fargo Bank branch on XXXX XXXX in XXXX, WA. I 'm a long standing customer with WFB, have XXXX thousands of $ s in my acct., a WFB visa card ( in excellent standing ) and a safe deposit box. The teller in question has seen me conducting business several times in the branch. As I was depositing my check ( no cash back requested ), she " XXXX '' asked me : how did you come to have this check? I told her that was " private info '' and she only said : I 'm just making conversation. No mention from her about needing to ask me for " bank '' reasons, just " making conversation ''. I called the branch mgr. who seemed oblivious to the highly inappropriate and unprofessional action her teller had taken towards me. Later, something occurred to me. I 'm XXXX XXXX and she is XXXX. I believe she " profiled '' me as someone to watch out for, to be suspicious of, leading her to ask me " how " I '' got the check from XXXX bank. She should be " officially '' reprimanded.
Consumer complaint received 2024-01-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: W&A Intermediate Co., LLC (OH)

A person named XXXX called stating he was from Wakefield and Associates. He said I had {$150.00} in medical debt from XXXXXXXX XXXX XXXX XXXX XXXX. I told him I would call XXXX myself to discuss it and he began speaking quicker saying it was already in collections and I needed to pay it today. I called XXXX and they said Wakefield Associates is not one of their debt collectors and that I have no debt in collections.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: W&A Intermediate Co., LLC (AL)

The apartment complex aloud us to break our lease, because we had XXXX incidents with our neighbors, and they were throwing XXXX  XXXX at our door, as well as leaving nasty notes.But we would have to pay it if no one moves in. They sent me a letter in the mail saying I owed them money. It was a huge amount and I was thrown off. One of our neighbors we still had communication with said someone moved into our unit a week after we left. So I drove XXXX hours to the state the complex was in. We went by our old apartment, and there was a lady living there. She was kind enough to answer our questions. She had already signed her lease to move in the apartment we were in before we even left. The apartment was notified a month before we were supposed to move. So they had someone ready to move in, and still wanted us to pay. The manager at that time was no help. I have tried to dispute this many of times. But nothing has been done.
Consumer complaint received 2016-06-06
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (TX)

I learned in XXXX XXXX that a number of 'pay-day ' type loans, in various amounts, had been opened using my identity ( SSN, name, birth date, employer, salary, home address, etc. ) which was apparently stolen sometime during XXXX. To date I have learned of XXXX companies that have opened such loans, including : CashNetUSA, XXXX XXXX XXXX, XXXX Payday Loans, and XXXX. The loans do n't appear on credit reports from the major credit organizationsXXXX. This is concerning unto itself. The loans were opened on or around XXXX/XXXX/XXXX. I contacted each company as I learned of a loan. The companies were all circumspect about the respective loan and would not provide information to me unless I gave them privileged personal information. I refused to provide such information unless they could prove they already had it. I was harassed with phone calls sometimes on a daily basis if not more. Eventually, I learned in each instance these companies do n't actually do credit checks with the major credit services nor are the loans identified on the credit reports -- makes it hard to determine there are fraudulent loans when they are n't reported on your credit. I have opened an incident report with my local police department, opened a complaint with the FTC, and put fraud alerts with the major credit services. I have sent dispute letters to each company when I learn of the loan and how I can file a dispute. All MAJOR inconveniences. While I 'm concerned about the harassment I 'm receiving from these companies, I 'm VERY concerned about what I do n't know including other companies that may be using my identity.
Consumer complaint received 2016-02-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America let me apply for a mortgage for a condominium in XXXX Fl. Fully knowing they were in a legal battle with the Home Owners Association, and we 're not writing any mortgages for this particular property. 
Bank of America charged be {$450.00} to apply. 
There after they B o A told me that the H O A did n't have enough insurance for the units, even though the condominium increased their insurance, even after they had underwritten XXXX mortgages in the corporation of the condominiums. 
They have refused to give me my application fee back.
Consumer complaint received 2023-03-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

We have a USAA checking account that is connected to another bank that we bank at. Someone got access to our USAA checking account and attempted to transfer {$5000.00} from our other bank to our USAA checking and straight from there to another USAA account. We did not have {$5000.00} in our other account. This was late in the evening on Friday XX/XX/XXXX. USAA allowed them to complete this transaction, placing a hold on {$4000.00}, but allowing them to take {$1000.00} plus everything in our checking. They took everything except {$0.00}. That would have been approximately {$250.00}. My husband discovered this around XXXX Saturday morning. He immediately called USAA and talked to their fraud department. They assisted him in changing all our passwords and Issued new cards. We were locked out of all our USAA accounts. They said for 3 days. We called back on Wednesday because we were still locked out. We were told to give them more time. On Saturday we called back and were told they decided it wasnt fraudulent. They said they would resubmit it. We were locked out of our accounts for another week. We also received a letter from them stating we owed them over {$900.00}. Today, XX/XX/XXXX, we received another letter stating that as of XX/XX/XXXX, they decided that our credit card would be the overdraft protection for our checking.
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (SC)

I received a copy of my Equifax credit report earlier this year with several inaccuracies listed. I then disputed that particular information. Initially all of the errors were deleted including hard inquiries that were not authorized by me. Now several months later, the items have reappeared. I have asked for them to re-investigate as well as provide VALIDATION/VERIFICATION that the debt is mine and copies of the documents that they have in their files. They have failed to provide me with any information neither will they remove the inaccuracies which is clearly in violation of Section 611 ( 5 ) ( A ) of the FCRA. I do not give anyone permission to publish incorrect information on my credit file. They also failed to notify me within the 5 day period that the law allows that those items would be added back to my credit report. As you will see on the attached letters, I have asked several times for them to remove the unverified and previously deleted items. I have also asked on previous letters for them to remove inaccurate addresses and name variations. If my name and addresses are incorrect, how are they so certain that the negative information is correct? After several attempts, even sending them a copy of my drivers license Equifax refuses to update my surname to reflect XXXX. I have never been associated with the surname XXXX.
Consumer complaint received 2017-01-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC (MI)

I have a debt collector calling my number over and over for someone I do n't know. There is never a person and always a recording giving me the debtors name and address. How is this a legal tactic? The company is GC services and their number is XXXX. Can something be done to punish this company, or are they acting within the law?
Consumer complaint received 2020-11-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Social Finance, Inc. (MO)

SoFi heavily advertised a {$450.00} bonus paid in cash for refinancing a loan with them. The process of setting up the loan, while it does involve entering bank account information, does not trigger the payment of the {$450.00}. 

There are no clear instructions on how to provide the needed information to SoFi to receive the {$450.00}. I received emails notifying me they needed my bank account info for ACH deposit, but the link took me to a general account home page with no clear place to input the information. 

After reaching out to their customer service, they told me it could be found in the " refer a friend '' section of the " membership '' menu. There was nothing before my interaction with the customer service agent that pointed this out or made it clear in any way on the website or in any emails. Additionally, the terminology on where the information is to be entered does not align with what a reasonable person would normally search for and creates UDAAP concerns on my part. 

I believe that the process is potentially designed to be deliberately difficult to reduce the number of customers who actually complete the needed information to receive the {$450.00}. I recommend an audit of the company 's incentive program, communication, and the number of claimed rewards vs those that are not. I would also recommend the analysis be performed from a Fair Lending perspective to determine if there has been a disparate impact on XXXX  customers.
Consumer complaint received 2017-04-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (NC)

I had a gym membership with my local  XXXX   XXXX . The contract I signed had a military clause. On  XXXX   XXXX    XXXX  , I provided them with a copy of my military orders. I received phone calls from  XXXX   XXXX , stating that they had not received my orders. I asked  XXXX   XXXX  for assistance in correction this issue, however they explained they could not access my files any longer and all questions should be referred   to Aldous and Associates.
Aldous and Associates refuses to answer my questions.
When I initially received a call from the debt collection agency, Aldous and Associates, the person I spoke to on the phone notified me that I could mail in my military orders. I called a second time a  nd asked  XXXX   XXXX  from  Aldous and Associates how I could dispute my debt. He continually interrupt me and told me to contact a lawyer. He stated that he could not give me any advice. I explained that I 'd spoken to another person within their office, he interrupted me again and told me I could n't have spoken to anybody who is " higher up '' than he is and if I wanted resolution I needed to find a lawyer. I called to change my automatic payment date and responded to an email with a request for a new reciept. He refused and replied " this is a none reply email '' I had to call his office and verbally request a new reciept be sent.       XXXX   XXXX  went out of his way to talk down to me and displayed gross disrespect and lack of professionalism. All I want is the opportunity to clarify this issue.     I specifically asked  XXXX   XXXX  if I could dispute my debt and he refused to answer me. I now know this is a violatio n of U.S. Code 15 after seeking le gal assistance.
Consumer complaint received 2015-11-22
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Direct Recovery Services, LLC (CA)

On Saturday XXXX XXXX, 2015 at XXXX XXXX an unsolicited email addressed to me was sent to an email account. The email stated I owed {$790.00} for a cash advance at XXXX XXXX XXXX. 

I have prepared a request for debt validation to be mailed to Direct Recovery Services on XXXX XXXX, 2015. I am concerned that the debt collector sent information about me and the alleged debt to an email account that is not registered to XXXX XXXX. 

Furthermore, the debt collector sent the email from XXXX XXXX 's account ; yet the email states the communication is from someone named XXXX XXXX. 

I am concerned that this correspondence is a scam.
Consumer complaint received 2020-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

This is related to charge off and due balance on my account with XXXX XXXX XXXX XXXX   Which still indicates a balance and then charge off but it was miscommunication on late fees which was never supposed to be applied They realized error and promise that they will correct it. But this is still showing up on my credit report. This is showing as a negative item and adversely affecting my credit rating. 

This has been shown negatively by all the three credit bureaus including XXXXTransunion.
Consumer complaint received 2016-12-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you
Consumer complaint received 2016-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

I am a customer of Navient. Approximately 3 months ago, my student loan payment was lowered approximately {$15.00} without my consent. While lower payments would normally not be something to complain about, I just found a letter from Navient informing me that this would result in " now hav [ ing ] more time to replay the same loan balance resulting in lower monthly installments but the overall cost of your loan will increase. '' I then attempted to go on Navient 's website and adjust the monthly payment myself but it is literally not possible to do that. The only way to change the payment is to call. I then called and the representative tried to give me a different payment that was " automatically calculated. '' I then told her exactly what I wanted my payment to be and she said she would have to speak to someone else because you ca n't just pick the number you want. After some back and forth ( and complaining ) I was able to get the payment I wanted. 

This seems to be a not so subtle way for Navient to increase the interest they collect on loans. Again, I did not ask for my payment to be lowered and I have no negative activity on my account that would change my status with them. I am not sure if this is common practice but it seems, if not illegal, extremely disingenuous. I do understand they sent a letter informing me of the change, but I also think we can agree that most are not likely to read the letter and/or note the implication.
Consumer complaint received 2020-04-17
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: Credit Bureau of Carbon County (CO)

I recently had a medical collection put on my report that i never even received a bill for. I was never contacted by the hospital that anything was due or the collection company or i would've paid it. I only noticed it when i went into get a home loan and saw the collection on my credit report.I immediately paid in and explained to the company that this was a mistake and needed to be removed since i never received a bill for it. It is costing me huge emotional and financial distress over not getting approved for a home at the best interest rates. They agreed on the phone that they would remove it but 60 days later i have disputed it with the company as well as the 3 credit bureaus and it has not been removed. Please help me to fix this issue as this was even put on my report thru mistakes made by others who had my wrong address or phone number written down and never received a bill so i shouldn't be the one that has to suffer especially since i paid it immediately after finding out.
Consumer complaint received 2015-05-15
Product: Consumer Loan — Title loan
Issue: Can't stop charges to bank account — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (AZ)

I took out a loan from Check Smart/Buckeye Title in XXXX Arizona, well over a year ago if not maybe two.The loan was for {$500.00}. Every month I have went to pay my loan payment in person with cash.I always paid the minume or more. When i made my last payment XXXX XXXX, I noticed the reciet said that I still owed {$690.00}. I refused to make a payment on XXXX XXXX, because i feel this loan is paid in full and then some. Probably paid at least XXXX if not maybe XXXX times over. This morning i received a message from XXXX bank that my account is over drawn! Check Smart got into my bank account and drained it to now it 's over drawn! I have contacted XXXX to get this stopped. The bank is working on it, but i have NO money until this get 's resolved. This loan would NEVER get paid off with this out raggist interest!
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2024-01-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (WY)

I will start off I have never even heard of Wakefield and Associates and have never received any information about this company. I got the information about them from my credit report. On XX/XX/XXXX I sent by XXXX Mail a verification/validation of Debt to Wakefield and Associates about an alleged medical debt they just sent to my credit report with no information to me over anything. Wrong information is on that alleged medical debt I viewed on my credit report, and I wanted to verify and validate that all information was legally correct. They failed to respond to my request which is a violation of the Fair Debt Collections Act ( FDCPA ) Section 809 Subsection A as it's now an entirely new year ( XXXX ) with no information still. I also requested a copy per HIPAA of my signature to disclose my personal medical information with a XXXX party. All of which was ignored by Wakefield and Associates. I have disputed this ding on my credit report as incorrect and obtained fraudulently through XXXX for them to respond with " Account information disputed by consumer, meets FCRA requirements '' which is false because they haven't even responded over months of trying to verify/validate this alleged collection. They are doing this illegally, and I want it removed from my credit report as they violated the FDCPA regulations by just ignoring me while I wait for nothing, and they keep dinging my credit report by saying " missed payment '' when I've never even heard of Wakefield and Associates until I sent that certified mail of verification of debt! They are supposed to stop posting on my credit report until I am able to verify the alleged debt, and they have just been posting and posting without following the FDCPA guidelines.
Consumer complaint received 2017-02-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (PA)

On Friday XX/XX/2017 XXXX charged my debit card for {$11.00}. Wells Fargo bank accepted the charge when I only had {$2.00}, I opt out of paying charges when funds are not available. I checked my account this morning and I was charged an NSF fee of {$35.00}. When Wells Fargo Bank allowed the charged to go through with limited funds to cover the charge. I spoke with an rep from WFB explain to the rep that I opt out of all charges being covered while the finds are not available. She stated nothing could be done.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX To whom it may concern, I am writing to update my personal information. There are some mispelled incorrect names and numbers that are on my credit report and there are some fraudelant addresses that I've never lived. Please remove all fraudelant addresses and all incorrect mispelled names and numbers. The incorrect information is as followed. 



Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX Correct Address : XXXX XXXX XXXX # XXXX XXXX MA, XXXX Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Name :. XXXX XXXX XXXX XXXX XXXX Incorrect Numbers : 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 Correct Numbers : ( XXXX )