davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX I had a Chapter XXXX bankruptcy discharged. Since then my mortgage loan has been transfered a few times. When it was serviced by XXXX XXXX XXXX we were involved in a home loan modification to make a commitment to stay in our home and get current on our mortgage. The modification was approved XXXX XXXX. The modification re-financial structure constitutes in writing documentation that we are affirming our commitment to repayment of the mortgage. 

The reason for this complaint is to make XXXX aware of the non-reporting to the credit bureaus for the past 15 months of all our timely mortgage payments. 

After speaking to the Bankruptcy department division from XXXX who has recently changed their name to XXXX XXXX, I was told that I would have to re-open the bankruptcy and file a re-affirmation agreement and that I would not be given any retroactive payment history to the credit bureaus. 

I feel that my rights as a consumer and home owner have been severely effected by an error on XXXX XXXX now XXXX XXXX. Both myself and my husbands credit scores would have had an impactful positive reflection if there would have been reporting of our timely mortgage payments.
Consumer complaint received 2017-03-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (MD)

According to the last XXXX BBB claim notices, AVANT was to credit my account over {$400.00} in fees/interest. In the last statement sent to me via email, it is very clear that this was not done. In fact, every time I asked for an audit, " funds '' were incorrectly managed or applied and the amount I owed increased. This happened on several occasions. I have saved all of these emails from AVANT
Consumer complaint received 2016-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (IA)

Freedom Mortgage needs to stop sending me Cash Out Refinance marketing materials. I receive at least 1 of these mailings per month. I have called them and asked that they stop. I asked to be opted out of all marketing materials when I called. In addition, I completed an Opt Out letter they sent and returned it. They responded with a letter confirming that I was opted out. However, I continue to receive these letters monthly.
Consumer complaint received 2023-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

I was selling a China cabinet on XXXX XXXX. A XXXX offered to purchase. We wrote via XXXX XXXX XXXX messenger. She asked if she could send a check. I said sure she waited a couple days to send it. She advised that she sent it with extra money in order to provide cash to the shipping company once the item is picked up. I received the check via United States Postal Service tracking number XXXX. 
I deposited the check on XX/XX/XXXX sent a receipt via XXXX XXXX messenger to XXXX. She said that it will probably clear by Monday Tuesday morning. On XX/XX/XXXX It looked as though the check cleared and the money was in my account. She then proceeded to tell me that the shipping company needed the money upfront to send {$500.00} to see if it goes through via, Zelle. So I sent it to the phone number she provided, which is as ( XXXX ) XXXX. She asked me to send her a screenshot. After that was sent she said go ahead and send {$1000.00} and you can give them the other XXXX at the time they pick up the item. She then came back to the me, and stated that the shipping company wont set up the appointment without the full amount. To go ahead and send the other {$500.00} which I did. She said that the shipping company kept on telling her they didnt receive it. I said they need to call their bank and verify. She then advised they received and shipping will be set up Wednesday the XXXX. I messaged Wednesday morning and it said it Couldnt Send I look at my account and the check was returned and my account was negative. I called the bank and submitted a claim and XXXX sent a letter stating No Action will be taken. I have all the messages and the envelope the check came in. I really hope someone can help me out or direct me of what i can do next.
Consumer complaint received 2017-02-09
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: Neon Newco Corporation (GA)

i funded an overseas account for trading stocks and was promised an account that would return 80 % back after loosing 100 % I requested that the money be returned per the agreement. and got no response from the merchant and for approximately 15 days was afforded no help from Netspend on the status of my remaining funds. in the interim Netspend classified it as a fraud charge when I specifically told them it was for a product trhat did not live up to the claims of the merchant. after 2 months and many emails the merchant finally returned my call and stated that the bank & lt ; Netspend had disputed the charge and they were waiting for Netspend to take the funds back as it was classified as a charge back and yret was still sitting there. upon informing Netspend of this I was told it was under i investigation and would not be resolved until another 3 months time. I will attgach all correspondence that I have had with Netspend and their failure to even acknowledge my information.
Consumer complaint received 2016-06-06
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Bridgecrest Acceptance Corporation (TX)

Early morning XXXX/XXXX/2016 I came outside to go to work and my car was gone. I currently have a loan with Bridgecrest financial formerly XXXX. I had to wait until XXXX cst to contact their offices in Arizona I spoke to the redemptions department a gentleman named XXXX who informed me that my car was repossessed I was in shock when I have been making payments and arrangements every two weeks with an account manager and had a current documented arrangement for XXXX/XXXX/2016 He then advised me they will have to look into the issue and call me back. About an hour later I received a callback from XXXX who advised that what I said was true the call with the previous agent I made arrangements with was pulled. So the company admitted to wrongfully repossessing my car sighting it as an " system error ''. I was then advised they would pay all fees but I would have to go get my car I advised that is unacceptable and it should be brought back to me since I had no means of transportation. I was then told it could take up to XXXX10 business days to bring back my car that they wrongfully repossessed. I was upset and at the mercy of the lien holder I missed a whole day of work and had to pay XXXX dollars to take a cab an hour away to retrieve my car they wrongfully repossessed. I want to be compensated for the time I missed and money I lost because of their error.
Consumer complaint received 2017-08-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

On XXXX XXXX, 2017, a charge in the amount of {$1900.00} was made to XXXX XXXX XXXX 's account from XXXX XXXX. This was not an authorized charge, we have not done any business with them, and do not know who they are. I called TD Bank to dispute the charge and was told that the matter would be resolved within 2-3 days. I then called back only to be told it should take 7 days. After that period, I contacted the bank again, and after being transferred to supervisor, I was informed that they will not be able to reverse the charge since it was reported more than 24 hours after posting. This is very unusual to hear, as they are stating that you basically have to be chained to a computer to check bank statements on a daily basis. I have never experienced such poor protocol and service from financial institutions in the past. They are effectively saying that if I 'm away for a few days and someone processes an unauthorized charge, I have no recourse. When I asked what can be done to prevent this from occurring again in the future, the supervisor responded, " Nothing. '' This is completely unacceptable, for a bank to tell their customer that there is no safeguard in place to prevent someone who happened to get our account number, whether from a check or from some other document, to just be able to go and drain our account. If I do n't catch it within 24 hours, I 'm out of luck according to XXXX. Afterwards, I 've contacted the merchant directly to see what can be done. The merchant stated that they though it was a strange transaction because it was done very fast, the customer picked the best tier package, and the location was for a low-income area, which is inconsistent with similar orders. He nevertheless proceeded with the transaction. Both me and the owner of XXXX filed a police report. XXXX claimed that they ca n't return the funds because then they will be at a loss, and that I should pursue the issue with my bank. As it currently stands, I 'm out almost XXXX XXXX dollars, and my bank is refusing to reverse the charge on the basis that it was reported more than 24 hours afterwards. I have never heard of such a policy, and do not believe I ever signed any documentation stating such a policy. In all my experience with financial institutions, I 've had a month or more to dispute charges. Not everyone checks their transaction history online, some still receive paper statements, so I can not understand how such a policy is even legal. Thank you for your attention to this matter.
Consumer complaint received 2017-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I paid my credit card balance in full on XX/XX/XXXX. The online statement then showed a XXXX balance. On XX/XX/XXXX the payment was processed a second time for the exact amount, thus overdrawing my checking acciunt and causing the line of credit to do a {$2000.00} auto transfer. 
I called the bank and they said it would take a week to gey s refund, and then inwould be out the interest and use of the {$2700.00} in funds. Not acceptable. A major US bank that takes your money in error and can not return it next day? This is abuse, taking advantage of the elderly, and very poor customer service. They autodenited me in error and received immediate credot but will not return the funds for a week and will not pay the interest on the advance. 
This is why we need your help, as only the CFPB has the clout to make this right. 
Thanks
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

First problem- on XX/XX/23, made initial payment of {$750.00} to eliminate all interest accrued at that point in time so that the next payment I would be making a few minutes later would go entirely to principal. That payment does not appear in my payment history, but I do have the payment confirmation number saved in my email. 
Second problem- when I called to point out the first problem ( I spoke to XXXX on XX/XX/23, call began around XXXX XXXX and ended around XXXX XXXX ), it was over a two hour wait to get someone on the phone. The person I spoke to was dismissive because even though the payment wasn't visible to me in my history, " it showed on [ Nelnet 's ] side. '' Then it was a 10 minute process of getting the representative to understand that none of my second payment should have gone to interest since that was the entire purpose of the first payment ( that I couldn't see ). Then she put us both on hold for another 30+ minutes so she could get a supervisor to look at my account. Right before they closed, the original representative said that the supervisor understood the problem immediately and would get it resolved, but I never spoke to the supervisor myself. 
Third problem- I have been making excess payments to limit how much interest I accrue. I have set up percentage designations of how much of my excess payments should go towards each individual loan. Out of eight loans, four are given 0 % of excess payments, two are given 30 % apiece, and two are given 20 % apiece. Or that's how it is supposed to be- the two that are supposed to receive 20 % of anything in excess show that none of my excess payments have been attributed to their principals since the second payment that I made on XX/XX/23. 
Fourth problem- every time I have tried to call about the excess payment issue ( during their very limited business hours- their lines are open 57 hours per week, of which I am working during XXXX of those hours ), there has been an issue with the call where I can't make it through their menu to even get into the call queue before the system hangs up on me.
Consumer complaint received 2023-09-21
Product: Credit 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 (WA)

I bought an item through Walmart online, through my Walmart account via PayPal. I tried returning the item 4 times. No response from Walmart. I contacted them via phone. They assured it would be refunded, no further action by Walmart taken. It has been over 6 mos.

I then found the charge on my PayPal was refunded. And I had a positive balanc eon my Paypay account. Then about a month later ( XX/XX/23 ) I was recharged for the same billing. From the same company. I disputed the charge and I have had no response. I packed the item and took it to Walmart and they refused the return.

The I find out Synchrony handles the entity 's finances on all accounts. Synchrony has manipulate dmy accounts before with Walmart and Samsclub a year ago and it took extensive work to get them to correct the actions.

Synchrony, has manipulated my accounts a couple of times on 3 different platforms!!
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Unknown late payments XXXX BANK XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 60 days Status Updated XXXX/XXXX/XXXX Balance {$4.00} Balance Updated - Credit Limit {$1500.00} Past Due Amount - High Balance {$1500.00} Monthly Payment {$4.00} Balloon Payment - Contact Phone BYMAILONLY Contact Address XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX Ownership Individual Original Creditor - Company Sold-to
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Unknown late payments XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 60 days Status Updated XX/XX/XXXX Balance {$4.00} Balance Updated - Credit Limit {$1500.00} Past Due Amount - High Balance {$1500.00} Monthly Payment {$4.00} Balloon Payment - Contact Phone BYMAILONLY Contact Address XXXX XXXX XXXX XXXX XXXX NY XXXX Ownership Individual Original Creditor - Company Sold-to
Consumer complaint received 2023-09-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC (AZ)

I sold my home to my daughter and her husband and they put solar panels on their roof. Without my knowledge, approval or consent the loan company they financed through used my credit as a basis to approve the loan. I knew nothing of this company nor was I involved in the process. At no time did I authorized them to pull a credit report, I did not agree to be on the loan and I DID NOT sign their paperwork. I knew nothing about this till the financed amount appeared on my credit report. I do NOT live at the house and have no legal interest or rights in it.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX XXXX I contacted Wells Fargo because I had numerous amounts of money taken out of my account. Two for the amount of {$5000.00}, one in the amount of XXXX, another for XXXX, another one for XXXX, another for XXXX, another for XXXX. I contacted Wells Fargo and asked why a fraud alert wasnt triggered after multiple denials for other transactions and they could not tell me why. They told me to file a claim which I did and four days later they denied my claim suggesting me to reach out to the merchants and speak to them directly which I have no information on because I dont know who they are. I am out over {$15000.00} now, this is not right. I have taken the steps that I am supposed to with a police report and contacting the claims department but they are not willing to do anything. Also when the claims department called me and told me that they were denying the claim and for me to reach out to the merchants, I asked them if they did an investigation and spoke to the merchants and they told me no. They said that they have the right to deny any claim that they feel necessary. I asked them about my {$15000.00} and they told me oh well. I would like my money back as it was fraudulent.
Consumer complaint received 2017-02-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (KY)

I purchased a mattress from XXXX in XX/XX/XXXX, with the delivery date scheduled for XX/XX/XXXX The day they delivered the mattress, they gave me a statement that showed all of my charges, totaling {$1100.00} XXXX with tax ). It took almost a month before I received my bill from Wells Fargo. When received it, I immediately noticed I was charged for XXXX mattresses instead of XXXX. I had my original charge on XX/XX/XXXX but was for some reason charged again on XX/XX/XXXX I have contacted both mattress and more, as well as Wells Fargo and have come to no resolution. I was told by a Wells Fargo Representative that my minimum amount due is {$77.00}, which is double what it should be since I was charged for more than XXXX mattress. I was also told that while this is being looked into, I still have to pay on the account, or will be charged late fees. I notified them that the double charge has also reflected on my credit report and I was told they would complain about it but nothing has been done. XXXX and More told me this was all a mistake on their end, but that they 've resolved it. Unfortunately, it looks as though nothings been done on the end of Wells Fargo, as every time I call them my amount owed is still showing the same.
Consumer complaint received 2016-10-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: WELLS FARGO & COMPANY (NY)

In XXXX XXXX, I requested that my school send in updated verification information to continue my in-school deferment for my Wells Fargo student loans that have been in deferment since XXXX XXXX. On XXXX XXXX, XXXX, I was contacted via telephone by a Wells Fargo representative, who confirmed that my enrollment verification information was received, asked a series of questions, and told to expect a response within approximately 10 days. On XXXX XXXX, XXXX, after being notified my loan was no longer in deferment, I called to verify the status, and I learned that my deferment was still being processed. 
None of my other student loan lenders request updated enrollment information to continue a deferment for a four-year XXXX program ; it is only Wells Fargo that mandates annual re-applications for deferments while in a four-year program, and Wells Fargo still has not updated my deferment even after receiving the needed enrollment verification one month ago, causing my loan to go into repayment.
Consumer complaint received 2017-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This a formal complaint against TransUnion regarding inaccuracy on my credit file. On XX/XX/XXXX, I discovered that XXXX XXXX account number XXXX opened XX/XX/XXXX is still being displayed on my credit report which is inaccurate. This account was disputed by me to be removed/deleted permanently from my credit file due to several proven inaccuracies. I contacted XXXX XXXX as well regarding this matter and I was informed that an " account deletion '' was mailed to all three credit bureaus. Please delete this item immediately. This account was deleted between XX/XX/XXXX and XX/XX/XXXX by XXXX and XXXX which I have proof. I know that CRAs do not share credit information with one another and that it 's FCRA law that the furnishers update these agencies with the accurate and updated information. However, this is NOT the case because XXXX XXXX complied to the FCRA Law when they notified TransUnion in writing for this account to be deleted from my credit file. I 'm requesting that you follow suit with XXXX and XXXX by DELETING/REMOVING this account from my credit file.
Consumer complaint received 2017-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (OH)

On XX/XX/XXXX I notified XXXX with Diversified Consultants, INC over the phone at XXXX that I was disputing the debt and was requesting the original contract sent to me. Then on mailed a follow up letter stating that I was disputing the debt. Since then I have had a collection placed on my credit report from XXXX XXXX XXXX XXXX XXXX who they said I owed. XXXX was unable to provide the contract to me so they sold the debt. I have suffered damage to my credit score from this collection which no one was been able to send me any proof that I owe it.