davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-04
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

XXXX On XXXX 2016 basically forced me to co-sign for an auto loan for a friend. They explained that the co-signer would be responsible if the borrower did not pay the loan. With that understanding I still hesitated to co-sign. Wells Fargo approved the loan application. However, it was approved by putting me as the " primary '' owner of the vehicle. That was not what I signed up for and agreed to. I returned to the dealership and spoke with Financial Manager and explained that I did not want my name as the owner of the car because if any parking tickets or insurance requirements would appear under my name. He assured me that this would not be the case. One month later I received a parking citation for that vehicle and sure enough it had my name on it, secondly Wells Fargo sent me a notice this week advising me that the Insurance had lapsed and the notice was sent to me. I specifically told the dealership and wells fargo that I did not agree to be the primary owner of this car that this was not what I signed up for and I feel that I was duped by the dealership even after I specifically told them that I would co-sign. If the lender Wells Fargo wanted to approve the loan they should communicate this to me because I did not want to be the primary owner of this loan. This is not right especially since I do not drive this car. In my opinion this is another form of identity theft.
Consumer complaint received 2016-04-28
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

wells fargo has taken 6 mos to help me remove their error on my credit. I had a lease with XXXX XXXX, bought it out from them through wells fargo, wells fargo admitted blame in writing ( see Attached ), however XXXX denied the excuse, and I still have a 30 day late on my XXXX credit report. I have emailed, phoned wells over XXXX times and they still havenot helped me at all, its affected my refi on my home at this time
Consumer complaint received 2015-03-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (CA)

Have no idea what these people are calling about I do n't owe anybody anything I have not defaulted on anything!! These people call incessantly using a XXXX and leave long disturbing messages on answering machine. They only give number to call them back which I will not do.
Consumer complaint received 2016-02-26
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX i received a letter in the mail indicating that i had unreported income from Bank of America reported on a form XXXX in the amount of XXXX. I have not had a open Bank of America Account since XX/XX/XXXX and further more I am in the military and was XXXX i have never received a check of any kind from Bank of America. This concerns me because how could this company report a form XXXX when i never cash a " supposed '' check that they " claimed '' to have issued me? There filing is FRAUDULENT and has caused me to owe taxes for {$4000.00} for XXXX taxes.
Consumer complaint received 2021-01-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I tried to dispute two individuals transactions with my bank of america they refuse to help me get My money back from XXXX XXXX  company I got scammed by XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I got scammed for XXXX dollars bank of america claims department team has refused to give me a refund or credit and the XXXX XXXX company has refused to give me a refund also I got scammed on the XXXX XXXX platform e bought this to My bank attention Bank of America is not helping me get my money back from XXXX XXXXXXXX company bank of america has told me they don't have no dispute rights to get the money back from XXXX XXXX it's going on 2 months now I still have not got My money back from XXXX XXXX company or bank of america
Consumer complaint received 2019-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

I have contacted the card company and was told that the item would be removed from my credit reports. Now it is back on all three reports. This item has been reporting since XX/XX/2012. I would like it removed as it is : 1 - old 2- going to cause me to lose my job 3 - preventing me from providing for my family of XXXX. 

Please help me in getting this item removed- XXXX/XXXX  XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX-XXXX Account Sale Info : ACCOUNT SOLD TO XXXX XXXX Remarks : DISP INVG COMP-CONSUM DISAGRS ; PURCHASED BY ANOTHER LENDER ; >PAID IN FULL/WAS A CHARGE OFF<
Consumer complaint received 2016-10-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (MN)

We want to pay more than our monthly balance to Wells Fargo so that we can pay it off quicker. They do not give you an option to do that online like they use to. They make you call and jump through hoops in order to do it. Its clearly a strategy to make it hard for people to pay off their student loans quicker so they can make as much money as possible off the interest. On months that we have a little extra money I want to pay more than my monthly balance. They know that if people are busy they will not call to do it. They use to give consumers the ability to pay more online and took that ability away over the past year. 
Please address this issue with Wells Fargo ... .. its seems to be a common theme with them.
Consumer complaint received 2024-05-08
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I was trying to use my American Express Gift Cards for purchases on XXXX but the card continues to be declined preventing me from using it. I contacted XXXX customer support and they informed me that the card was indeed declined even though the amount charged is within the gift card 's balance. Others have reported the same issue of not being able to use their Gift Cards on XXXX despite being a general-purpose card because AmEx is blocking them. 

I actually already filed a complaint XXXX with the CFPB and was resolved successfully! But I needed to provide the second card number! So I am doing that in this complaint.
Consumer complaint received 2016-10-07
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Monarch Recovery Holdings, Inc. (TX)

I received a call from Monarch Recovery Management regarding a personal business matter for my mother. I simply asked the representative for the name of the company and a phone number in which she could call back. The representative and her Supervisor XXXX XXXX both refused to provide any contact information for their company. I considered this harassing behavior and an unfair deceptive acts and practices.
Consumer complaint received 2017-03-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (AZ)

I went through the drive through of the Wells Fargo Bank at XXXX XXXX XXXX XXXX in XXXX, AZ on XXXX/XXXX/17. I provided them a signed check for deposit, my drivers license and my debit card corresponding to the account the funds were to be deposited in. The teller at Wells Fargo deposited the funds into a joint account, rather than the account corresponding to the debit card I provided her, which is my sole account, and now Wells Fargo is unwilling to resolve the issue. Now that Wells Fargo made an error and deposited funds into the incorrect account, the other person on the joint account is aware of those funds, and there they can not just be transferred. Wells Fargo needs to deposit the correct amount of funds into the correct account per the information I provided to them. I contacted their customer service this morning and they advised there is nothing they can or will do to rectify the situation. This is completely unacceptable.
Consumer complaint received 2015-11-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Nationwide Biweekly Administration, Inc. (GA)

I revoked Nationwide 's authorization to debit my account several months ago when my insurance and taxes went up. They continued taking {$330.00} out of my account every two weeks for a couple months after several requests for them to stop. I finally worked with XXXX XXXX XXXX and home mortgage and determined that XXXX was taking my money and placing it in a secondary account. Since XXXX XXXX does n't accept partial payments, my mortgage was n't being paid, resulting in a letter saying I owed them {$1600.00}. I paid this out of pocket and XXXX XXXX opened a fraud claim against Nationwide. My bank credited me {$990.00} out of the {$1300.00} that they determined that Nationwide owed me. I 've been waiting for the additional funds that Nationwide owes me, when I receive a letter from them stating that I owe them {$320.00} or they will turn me over to a collection agency. I called Nationwide in regards to the matter and they claim that they were paying my mortgage, when XXXX XXXX home mortgage confirmed they were not. I have spent in excess of 12 hours dealing with Nationwide and XXXX XXXX home mortgage trying to resolve this matter and thought it was resolved through XXXX XXXX, until Nationwide tries this deplorable attempt to further extort fraudulent funds from myself.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SERVICEMAC, LLC (FL)

I have tried several times to fix this issue with SERVICE MAC they are reporting a higher incorrect balance than what is owed to the credit bureaus negatively impacting my credit. Also XXXX XXXX when I accepted the covid19 forbearance sent me a letter stating that this would not impact my credit. Although I have never paid my mortgage late at this time my XXXX  for mortgage is XXXX as if I have a delinquent mortgage account. I was deceived by the information they provided stating that they would not impact my credit this is a deceptive lending practice .I have disputed the account several times with XXXX they also report false information and do not investigate and correct the matter. I have contacted the OCC and have been advised legal counsel on this ongoing charade and will act if not resolved immediately.I have included a XXXX XXXX statement with the correct balance owed that should be reporting.
Consumer complaint received 2016-06-10
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Phoenix Financial Services LLC (CA)

I received a phone call from Phoenix Financial Services LLC stating they were collecting a debt from a medical company for services received in 2013 ( 3 years ago ) I told them I was not aware of any debt that my medical insurance did not cover. I asked them to mail me information on the debt so I could research the debt because 3 years ago is too long ago for me to even remember if that happened. They verified my address and said they would mail it to me. I receive a XXXX page document in the mail that does not provide me with any information that verifies that this is my debt. I also mailed a written letter to the debt collector again requesting the information.
Consumer complaint received 2016-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

Experian Has been notified and provided documents proving that the collection is invalid, and that XXXX, has not perfected the Collection, and that XXXX is reporting Improper and Inaccurate information as well. 

XXXX has been sent multiple certified mailings, and has failed to address ANY of them, and/or to provide verification of the debt. 

The " supposed '' debt was paid in a settlement agreement on my behalf by XXXX, and in addition XXXX is representing the debt as being in XXXX, when indeed the Last Delinquent Payment Period was XXXX XXXX. 

The debt was paid, and in addition the Statue of Limitations expired on this account as well, being it is WAY past the one year legal requirement for Federal and State of Florida, AND the credit card debt is greater than 7 years as well.
Consumer complaint received 2015-10-19
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was fraudulently charged XXXX by a cosmetic internet dealer. Instead oftelling
telling me to return the merchandise BofA employees gave me "bounce"
protectection which added XXXX ISF charges. A week later the
same thing occurred again and when I noticed the XXXX overdraft and
went to the bank. No help was forthcoming. I returned four more times.
Same result. On the 6th visit I was given a busy phone line which no one ever
answered. On the 7th visit I was given another "executive" complaint line
which no one answered. On the 8th visit I encountered a new face who
said "return the merchandise and we will try to fix things". Another intern
-net transaction occurred raising the total to around $900. Finally today I
was told nothing could be done and to pay XXXX and cancel the card.
I told the bank 'executive' I would rather go to court and tomorrow morn-
ing I will be talking to a lawyer about it.  What advise do you have?
XXXX 

 
the bank to inquire as to what had happened. I was not helped at all and
returned 5 more times.
XXXX visits
Consumer complaint received 2018-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge 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 (TX)

I order an item from Walmart.com and the item was never received by be or anyone in my household. I called the credit card company to tell them that my packaged was never received by me. but they believed Walmart since walmart shipped the packaged and have tracking number but it does not have any proof of delivery. I even went as far to file a police report but they told me I could not do that since nothing really was stolen from me .walmart is telling me I need a police report which the police wont give me. so that is the reason I try a dispute with my credit card company but they sited with Walmart. what a surprise. thank you
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HEARTLAND PAYMENT SYSTEMS INC (MS)

I sent off a debt validation letter on XX/XX/2022 via registered certified US mail that was never responded to nor acknowledged by XXXX XXXX. Pursuant to 15 USC 1992c ( d ) I had my wife to complete a recorded call and speak with a representative about deleting the account in the amount of {$14000.00} off of my credit report as I have never given consent for them to report on my behalf ( 15 USC 1681a ). She unlawfully refused to speak to my wife citing that she is not account holder when my wife is lawfully able to speak as a consumer ( 15 USC 1992c ( d ) ). Also, this account is fraud and identity theft as the consumer credit transaction of the alleged account is already completed ( 18 USC 1028a ).
Consumer complaint received 2016-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (MD)

Someone from XXXX XXXX ( SLS ) was breaking into my property and was aggressively threatening a tenant on the premises that they were there to remove all of the personal property. She was frightened and stressed to tears. SLS was obviously attempting to illegally confiscate the property, with a secondary goal to terrorize ( rude, threatening, yelling untrue statements, showing false documents, etc. ) the tenants to prematurely terminate their lease. Their ultimate goal is to avoid mediation and fair negotiation of the purchased debt. Only my contacting the Dept of Justice and the property 's escrow attorney stopped their action. Contact by the the aforementioned attorneys caused the SLS attorney to write a disingenuous denial of knowledge of hiring the " henchmen ''. This illegal flexing of muscle was purposefully executed 1 day before a scheduled mediation date for a loan modification. Thank goodness a neighbor questioned the " thieving henchman '' before they gained entry or changed locks.
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LAKEVIEW LOAN SERVICING, LLC (PA)

I closed my mortgage with Lakeview Loan Servicing LLC on XX/XX/XXXX. 
After being paid in full, my escrow balance was {$5300.00} and I have yet to receive those funds more than 2 and a half months later. The first check sent to me bounced and I still have yet to receive a second check as of today, XXXX. 
Is this company in violation of RESPA guidelines? Am I entitled to compensation of interest or late fees on my money that they are playing with? 
I would like this complaint to be on file with this company so that this mistreatment and inconvenience to me is documented.
Consumer complaint received 2015-10-06
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (CA)

I have a checking and saving account at XXXX Bank. On XXXX XXXX, 2015 I canceled a recurring debit of {$490.00} payment from a company by the name XXXX. Meaning I no longer authorized for payments. I do n't owe XXXX I canceled my contract with XXXX in XXXX 2015. On XXXX XXXX, 2015 I had a direct deposit cleared, the canceled payment of {$490.00} was debited from my saving account on the XXXX XXXX, 2015 but, back posted on XXXX XXXX, 2015. The funds was not in my account on XXXX XXXX, 2015. XXXX Bank knows I have direct desposit bi-weekly so, the payment cleared and I was charged a fee for not having the fund in my saving on XXXX XXXX, 2015
Consumer complaint received 2015-04-20
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (MI)

I owed Original Creditor : XXXX XXXX, approximately, {$890.00}, however, that was in 2001. 
I received a letter yesterday, attempting to Collect on this " Over '' 10year, debt.This debt doen not even appear on my XXXX Credit report. Would you please " look '' into the Validity of this Nature, please. Thank-you, sincerely, XXXX XXXX XXXX.
Consumer complaint received 2023-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: OLD NATIONAL BANCORP (IL)

Hello, I bought 8 boxes of XXXX cards on XXXX XXXX XX/XX/2023 for XXXX using XXXX. Never received anything accept a suspicious excuse as to why I never received anything. They said the mail police stopped it and I would have to pay an additional {$45.00} to have it shipped, so I requested a refund they said no biggie. That was the last I heard from them I requested the money back through XXXX and it said they didn't have an account anymore. I would like to request a chargeback if that is possible. Or if there's anything you can do would be much appreciated, it left me with nothing I was going to sell the boxes on my XXXX account. XXXX and XXXX have done nothing and my bank is not claiming responsibility even though my XXXX  is through my banks website. Any help would be appreciated.
Consumer complaint received 2016-10-07
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: SYNCHRONY FINANCIAL (GA)

XXXX called me from a private number, I returned the phone call and received no answer. My employer then called me to inform me that XXXX called regarding case XXXX. I called the number back since I found out they contacted my employer and found out it was a collector on behalf of GE Money Bank calling to collect on a debt that is 8-9 years old. The number they called from was XXXX. I have never received any information from them and I could n't even XXXX their company to see what their premise was. I spoke with XXXX XXXX who advised me it was a debt, then said I could agree to go before a judge or they could file a judgment against me for the debt and garnish 25 % of my paycheck. That alarmed me since I was aware they contacted my employer. Since I was unable to find out more about the law firm, I advised that I did n't feel comfortable talking about the issue without contacting my lawyer. XXXX then got short with me and advised that any question I could ask my lawyer, I should just ask him. I, then, hung.up.
Consumer complaint received 2017-02-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Circleback Lending, Inc.(Closed) (VA)

I have had a loan with Circleback Lending for over a year. They recently completely eliminated their website, without seeking consumer consent for changes, and made online payments impossible. Now the only way to make payments are through the phone, with an average wait time of 10-15 minutes, or through automatic debit. Unfortunately, they do n't have an online site through which customers can download automatic debit forms and have failed to email the form to me, despite my requests. This approach to customer service and to lending would have been a deciding factor for me when I chose this lender, and I would not have taken the loan with this organization.