davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (HI)

On or about XXXX XXXX XXXX, I discovered my wallet was stolen from inside my vehicle which had been left unlocked for a short period of time. Around is same time I discovered someone had made purchases unbeknownst to me at several locations around the area using my USAA debit card without my authorization. I made the claim to dispute these charges around the same time and a temporary credit was issued but the dispute was never closed. I contacted the bank several times to handle this situation in order to close the account completely. XXXX went by my account was never closed and the bank refused to close the account until all disputes were settled. Fast forward XX/XX/2024, I received correspondence from the bank that at my request the disputes were stopped, and disputes were stopped so that I can close the account stating a false claim that these charges were authorized they were not. I have an active police report attached with these fraudulent charges listed and the notification from the bank also. So, my understanding is until the bank closes the active disputes which they refused to do going on almost XXXXXXXX XXXX today my account can't be closed. I had to request the disputes be stopped and take ownership of fraudulent charges in order to close my account.
Consumer complaint received 2024-09-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (CA)

I opened a CD with Marcus by Goldman Sachs in XX/XX/XXXX. The CD was scheduled to mature on XX/XX/XXXX. Per the instructions given to Marcus and confirmed by Marcus, the funds upon maturing were to be deposited into an external savings account. Marcus has failed to release the funds. When asked, Marcus acknowledged the problem was due to an internal error. I have called over XXXX  times. I have filed official complaints and was promised call backs to resolve, which never happened. I was told weeks ago the funds would be deposited in XXXX business days. I was most recently was told the funds won't be deposited until end of XX/XX/XXXX. There has been XXXX resolve on Marcus ' end. This is a breach of contract and I want my money back.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

COERCION AND DECEIT NOTICE OF INTENT AND PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES FOR VIOLATIONS OF THE FAIR DEBT COLLECTIONS PRACTICES ACT OR FAIR CREDIT REPORTING ACT ] Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. Encl : 1. Copy of Social Security Card 2. Drivers License
Consumer complaint received 2024-09-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CT)

I am now unable to withdraw any money from my online saving account. Every time I want to do an online transfer, it asked me to call their customer service. It first started on XX/XX/XXXX when I tried to transfer money out to an external account. Then XX/XX/XXXX, my online access was locked. I called them and the agent verified me and restored my online access. A few hours later, they called me to verify my ownership of the external account in order to complete the transfer. However, the account I want to withdraw to has a policy that to verify ownership, I need to call them first. But Goldman Sachs need to initiate verification from their end, resulting that it's impossible to verify and complete the transfer. I then decided to cancel the transfer and withdraw to another account. I waited a few days for the money to get back to my account and then tried to initiate transfers to other account. It failed every time with different accounts. I then called them and got transferred to the security department, got verified again, but still unable to transfer. After a few days I called again and they told me they can not see the details on my security flag ( probably due to insufficient privilege ) and said someone will call me for the next steps but I never got any calls. My money is now stuck in XXXX and I am unable to initiate or XXXX pull my money out.
Consumer complaint received 2024-10-12
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. (NJ)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Select Portfolio is servicing that was apart of the Global Wide Settlement with Department of Justice and the State Atty General regarding secularization fraud which cause economic and housing crisis in the United States. XXXX hey have created fraudulent robo signed documents which includes XXXX assignments they were robo signed XXXX the XXXX  robo signer was XXXX XXXX he fraudulently signed as XXXX XXXX. he was not the XXXX XXXX of the Bank nor the was he the XXXX XXXX for XXXX either. furthermore that was a fraudulent transfer. The XXXX assignment robo signed by another notorious robo signer in 2018 XXXX XXXX is that has been name and found to has been signing thousands fraudulent documents. i have mailed XXXX to Select Portfolio requesting various document and questioned these fraudulent transfers. Fraud can not be the bases of obtaining a deed. THEY ARE NOW ATTEMPING TO FORECLOSURE ON THIS TOXIC LOAN WITH FRAUDULENT ROBO SIGNED ASSIGNMENTS. I SENT A NOTICE OF ERROR, DEBT VALIDATION, AND A LETTER OF DEFAULT ON THE XXXX  AND THEY HAVE NOT SENT A RESONANCE TO ADDRESS ANY OF MY CONCERNS
Consumer complaint received 2015-08-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I cosigned a loan for my stepdaughter with Bank of America. I went into Bankruptcy in 2011, but between my stepdaughter and I, the payments were made according to bankruptcy ( which BOA agreed ). The loan was turned over to XXXX who then turned over to a law firm in XXXX because they said we did n't make payments. Both my stepdaughter and I proved we were making payments. He instructed us to not make any more payments until they could figure out where money was going. Subsequently, they turned over to law firm in XXXX-who threatened to sue us for non -payment. My bankruptcy lawyer got involved and all the documentation was provided to show that not only were we making payments, but we were ahead of schedule. I talked to lawyers in XXXX XXXX and we came up with payment plan for rest of it ( which is paying faster than bankruptcy said we had to ). All both my stepdaughter and I want is this taken off credit report. It shows I 'm behind 120 payments and owe almost 5,000 dollars, when in fact made all payments on time ( except for the few months their lawyer told us not to pay ) and actually only owed XXXX dollars. None of the lawyers would help with the credit companies. I know student loans complicated, Im just asking for our credit report to be accurate Thanks.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Upgrade, Inc. (PA)

On XX/XX/2024 validation notice was sent to XXXX requesting information under 15 USC 1692g Sec. 809 ( b ) of the FDCPA This noticed was received on XXXX  by XXXX XXXX. 



It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Name and address of alleged creditor.

Name on file of alleged debtor.

Alleged account number.

Address on file for alleged debtor.

Amount of alleged debt.

Date this alleged debt became payable.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful I would like more information about your firm before I discuss the debt with you.

Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.

If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.

Please provide the name and address of the bonding agent for your agency in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. 

Best Regards
Consumer complaint received 2024-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Fay Servicing, LLC (FL)

Our loan was bought by Fay Services. The loan originated in XXXX with XXXX. My husband and I have always paid our mortgage payments on time each month which i pay online. This month I noticed when I went to pay that my mortgage amount had increased by {$100.00}. I also noticed that there was a {$99.00} escrow fee added. I called Fay Servicing directly to ask why because we pay our own insurance and land taxes each year. They said we didn't pay our XXXX land taxes until XXXX of XXXX, which was 60 days late so they were adding tax escrow to our account to be added to our monthly payment. I argued with them, but they couldn't change it. Then I was told our loan matures XX/XX/XXXX and we had to pay off our loan with them at that time. I was absolutely shocked by this. They said they sent a letter. Also, they have removed the option on website for XXXX to make a payment. Pay off on my home is around {$40000.00}. Our home was valued at time of loan according to Fay Services at {$170000.00}. I had to apply for some type of mortgage assistance. I know {$40000.00} does sound like a lot, but my husband and I are XXXX XXXX XXXX and I really don't think our house would pass inspection for a new loan and our age would hinder XXXX What can I do?
Consumer complaint received 2024-09-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: OneMain Finance Corporation (GA)

**Statement of Potential Consumer Law Violations** After reviewing the auto loan contract provided by Foursight Capital I believe there are several provisions that may violate state and federal consumer protection laws, as outlined below : 1. **Excessive Finance Charges** : The finance charge in the contract appears to be disproportionately high compared to the value of the vehicle. Under the Truth in Lending Act ( TILA ), lenders are required to clearly disclose all costs associated with financing. If these charges are not properly justified or disclosed, this could constitute a violation of TILA.

2. **Unclear Arbitration Clause** : The arbitration provision in the contract may limit my ability to pursue legal recourse through the courts, which raises concerns about unconscionability. Arbitration clauses must be fair and transparent, and this provision seems to favor the lender disproportionately, limiting my rights as a consumer.

3. **Potential Late Fee Violations** : If late fees in this contract exceed the legal limit of 5 % of the overdue payment allowed under Georgia law , it may constitute a violation of state usury or consumer protection laws. The contract should clearly disclose any penalties and ensure they are reasonable and lawful.

4. **Prepayment Penalties** : The inclusion of a penalty for paying off the loan early, if present, would be in violation of Georgia law , which generally prohibits such penalties on consumer loans.

5. **Overvaluation of the Vehicle** : The loan amount appears to be significantly higher than the actual market value of the vehicle. This could be a case of misrepresentation or predatory lending practices, especially if negative equity from a previous loan was rolled into the current contract without proper disclosure.

6. **Unclear and Confusing Terms** : Several sections of the contract contain language that is vague and difficult to understand, particularly in regard to the finance charge and arbitration terms. Contracts must use clear and understandable language to ensure the consumer is fully aware of their obligations and rights.

Based on the above issues, I believe this contract may not comply with applicable consumer protection laws and warrants further investigation. I am prepared to pursue all available remedies to address these violations.
Consumer complaint received 2016-09-30
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has purposely parked and stalled my Request for Mortgage Assistance ( RMA ) application package with the various tactics that include, but not limited to, incorrect denial of borrower eligible programs, specifically Making Homes Affordable ( MHA ) Home Affordable Modification Program ( HAMP ), ceasing communication during the loss mitigation process, withholding material information regarding the status of the borrower, mishandling of documents, misrepresenting the status of the loan, and making duplicative and unnecessary requests for documents. 
These tactics are employed and designed to intimidate, disstress, and coerce the borrower into an action or inactions that, absent of such tactics, would not have occurred. 
In addition to soliciting a desired result, Bank of America had also solicited government and tax payer funds that, absent these tactics, would not have had cause to be solicited or used. Specifically, Hardest Hit Fund Program ( HHFP ) for borrowers who are active in the loss mitigation process. 
From XXXX XXXX through XXXX XXXX, Bank of America received HHFP Unemployment Assistance monthly installments applied to this home loan mortgage account. On XXXX, XXXX, and again on XXXX XXXX, XXXX, I received the same exact MHA HAMP denial letter from my assigned SPOC which was later determined to be incorrect on an appeal and subsequent escalated cases. This is no coincidence in timing that just so happened to be when the last HHFP Unemployment Assistance monthly installments ended. 
I have repeatedly requested an explanation for the Bank of America repeated representation of borrower ineligible for HHFP assistance while collecting and applying those payments to my home loan mortgage account from XXXX XXXX through XXXX XXXX, but have never received any response from Bank of America and their representatives that addresses my concerns.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

We opened this account in XXXX and paid on time each month until XXXX XXXX when we filed for bankruptcy ( Chapter XXXX ) when we stopped making payments per our attorney. The trustee made payments to XXXX until we dismissed the bankruptcy in XXXX or XXXX XXXX. XXXX is incorrectly reporting the account as late every month during this period, instead of stating that it was included in the bankruptcy and omitting the fact they were receiving payments from the trustee.
Consumer complaint received 2016-09-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NC)

I was contacted back in XXXX/XXXX/XXXX I received a call from the national credit services collection agency and they stated I had a balance of {$2100.00} from XXXX XXXX apartments and would I be able to make a full payment today? I told them I was a college student who was locked out of my apartment before even going to court to complete the full eviction process and I was disputing the charge. He stated at that time the full amount would hit my credit. I never received any further calls from that moment on until XXXX back two years later and asked if I could set up a payment arrangement they said no the full amount is due. After that I called again in XXXX XXXX and spoke with XXXX and she stated she would be offer a settlement of {$1300.00} but that would need to be paid within the same month. I agreed and told her I would call beck the end of XXXX to make payment. It is now the end of XXXX and I called and XXXX was very rude to me and stated I could no longer make the payment they have been calling and sending out letters for a settlement which I NEVER recieved. So now she stated they would send off the settlement request which has no time frame of when they would get back to me with the settlement amount it could take weeks or months or they may never get back in contact with me for a settlement. I told her I wanted to speak with her supervisor which her name is XXXX and she stated I should call back on Tuesday because she would submit the request for me but when I called back Tuesday she was at lunch and I spoke again to XXXX who stated no update for a settlement has been made and she stated they may never respond for the settlement to be made but I told her again you offered me a settlement before so you are not offering me what we agreed on and she stated I should go ahead and pay the full amount which is unfair and not ethical by any means. I just want to get this taken care of today but they are not willing to help at all and they are not professional.
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (IN)

Comenity calls me all night and day from restricted numbers. The last time they called, I picked up the call and asked them to stop contacting me. The lady, who sounded of XXXX  XXXX descent refused and started to use abusive language.
Consumer complaint received 2016-09-15
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

Got a payday loan approximately 2 years ago. Could not pay, due to job loss. Have been harassing ever since. Constant phone calls, calling my co workers and job, telling them they were from the procecuters office, saying they were going to come to my work, saying my boss better be with me, all kinds of nonsense. Calling people I never even gave a phone number for.
Consumer complaint received 2024-09-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: LAKEVIEW LOAN SERVICING, LLC (SC)

LAKEVIEW LOAN SERVICING , LLC has used XXXX XXXX XXXX XXXX SSN illegally without authorization or consent per SSA 89 form. This company has committed identity theft, bank fraud, and operating a racketeering organization. The request for the promissory note has been denied. The company has denied giving up their bonding information so that a claim can be made. Trademark infringement has been committed. This complaint will be forwarded to the appropriate department for investigation. An audit will be conducted by the IRS.