davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (IN)

I wanted to try to pay {$100.00} towards the principal balance on my mortgage in addition to my monthly amount to experiment with the online principal paydown feature on the Newrez website. Unfortunately, this {$100.00} extra paydown triggered a complete month 's pre-payment of several thousand dollars ON TOP of the auto-scheduled, monthly mortgage payment that runs every month. 

When I saw two large withdrawals from my checking account on XXXX, I called Newrez to explain the issue and reverse the large withdrawal. Customer service could not support me and said to do it online. I called back to loan servicing and asked for a supervisor who then transferred me to debt servicing. Then, with XXXX XXXX on XXXX, I was promised that this XXXX would be reversed quickly in XXXX business days. A week went by and I called back on XX/XX/XXXX, XXXX XXXX from loan servicing said that a check was being processed and that it would be going in the mail soon. This isn't what a customer expected to hear. XXXX XXXX said that she would cancel the check and submit a request to another department to refund the extra payment to my checking account via direct ACH transfer the next day. I wait until Friday, XX/XX/XXXX and call back. XXXX XXXX could see the record of my asks in the debt servicing department and unfortunately, said that there was an input to have a check cut and mailed from XX/XX/XXXX. I expressed my concern about having other bills to pay and overdraft fees to avoid due to this Newrez mess. She said that she had escalated this to her supervisor even after I asked to be transferred online to the accounts payable team. I did not trust Newrez to do it without walking them through the electronic ACH reversal to my account while I was on the phone. Too bad this was not possible at Newrez. I was told to wait until Monday morning when the accounts payable team would receive the notice and execute the transfer. They have missed the deadline. I'm pulling funds out of emergency savings to get through the month. They need better customer support if they want to be a respected lender.
Consumer complaint received 2024-09-16
Product: Credit 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: CITIBANK, N.A. (AZ)

A total of XXXX transactions were approved by CITI Bank on a CITI issued card between September 8-10 2024. All XXXX were reported as fraud and XXXX had already been refunded by the merchant as suspicious. I saw a credit on the account the morning of the XXXX of XXXX when I called in to report them all as fraud. I have a police report from XXXX XXXX XXXX XXXX ( XXXX ) as well. 

CITI is claiming that no refunds have been issued, will not issue provisional credit for the frauds, and claiming I am over my limit. I have proof in hand that on the XXXX at least XXXX of the XXXX charges ( not including the one I saw on the account ) has been refunded. I have been told by both the vendor that refunded right away ( that I saw on the statement ) and the second vendor that refunds have all been fully processed and settled. CITI refuses to get me a manager or supervisor as they are all " too busy '' and refuses to settle the dispute or explain where any of the refunds have gone. 

At this point, I was the victim of Credit Card Theft, and apparently also a victim of the CC company refusing to process the refunds already issued. This is negatively impact my personal credit.
Consumer complaint received 2024-09-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CO)

Wells fargos denied my XXXX  claim of XXXXXXXX XXXX  the claim number is XXXX They never asked for my evedince XXXX  admited to not delevering my order they did not properly investagate this i can prove they never delevered my food l. 
attached proof of XXXX  admiting to not delevering my food
Consumer complaint received 2024-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (VA)

I have a home mortgage with the lender NewRez LLC. They added a premium lender placed hazard insurance to my mortgage without notifying me, and have been charging me {$130.00} a month for over a year. 

I have called them over a dozen times over the past 2 months, only to sit on hold for XXXX hours and then have them hang up. I have also tried messaging them multiple times on their online portal and never received a response ( they do not have any formal email addresses listed anywhere ). 

It's impossible for me to contact them. And they are unjustly charging me {$130.00} for a service I did not need, a service I did not request, and one they did not properly warn me about before doing so. And now it is impossible for me to remove this monthly charge from my escrow account because they are deliberately unreachable.
Consumer complaint received 2024-11-13
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. (FL)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (TX)

MANY years ago, XXXX had a program called XXXX XXXX, and would issue these savings to a virtual Amex card called Bluebird. XXXX got greedy fast and eliminated real savings -- and the card for us. I used up my whole balance. Amex/Bluebird did not care, though. TO THIS DAY they send me emails -- but I have no access to the allegeed account it is for, so I can not close it. I can not unsubscribe, I can not do anything. I am enclosing a screenshot of the ones I somehow managed to NOT delete. I am a very busy career woman, and sometimes between my inboxes I have myriad emails daily. I even created spam/delete filters for this junk but I have to manually empty my spam. As a result, I still see that I am held hostage by this junk, and I want it to stop. I even looked up the correct addresses to email a letter to them to insist they stop. Guess what? Despite sending it to the company, it bounced. Because of course! So I guess it takes a federal agency to enforce the regulations. 

Note : The attached picture does not include the emails in my trash folder or the myriad emails deleted over the years. 

Also note that due to a total lack of transparency, it's unclear who is actually spamming me -- AMEX travel services, XXXX XXXX XXXX XXXX XXXX XXXX. Make any and all stop. It took me 30-45 minutes to complete this due to the shady way they hide.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

Upon reviewing my credit report, there were a few accounts listed that did not belong to me. Here are the accounts listed XXXX XXXX XXXX Bal- {$20.00} Opened- XX/XX/XXXX XXXX XXXX XXXX- XXXX Bal- {$360.00} Opened : XX/XX/XXXX XXXX XXXX XXXX- XXXX Bal- {$0.00} Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Bal- {$6100.00} Opened : XX/XX/XXXX XXXX XXXX XXXX Bal- {$250.00} Opened : XX/XX/XXXX
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MO)

I had attempted to XXXX XXXX and was in the XXXX XXXX from XX/XX/year> until the night of XX/XX/year>. I got out of the hospital to several transactions I did not make and immediately reported them. It was over {$5400.00}. The representative was rude and seemed impatient with me. I told him I can provide hospital documentation of the visit as I am still on monitoring for XXXX XXXXXXXX XXXX He denied me the option to send it in, which now will result in a denial of my dispute. This is FRAUD. I am getting out of the XXXX XXXX  to NOTHING. All of my college refund money gone. I wish I wouldve stayed in the XXXX  XXXX  longer because this is taking a bigger toll on my XXXX XXXX. Now Im done with Wells Fargo and once my fraud claim is approved, I probably will never bank with them again. I cant eat, or even pay for my medicines now. Why would you guys let someone take so much from me!!?
Consumer complaint received 2024-09-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (PA)

Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation Dear Discover Bank, I am writing to formally request validation of the debt referenced in your recent communication, as provided under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Please provide the following information regarding the alleged debt : The amount of the debt. 
The name of the original creditor. 
Evidence that you are authorized to collect this debt on behalf of the original creditor. 
Detailed statements or documents showing the nature of the debt. 
Any judgments or court orders related to this debt. 
Until I receive this information, please cease all collection efforts and do not report this debt to any credit reporting agency. I am entitled to receive this validation under the law. 

Please respond to this request within 30 days from the date you receive this letter. Failure to provide the requested information will result in my consideration of this matter closed, and I may seek legal recourse if necessary. 

Thank you for your attention to this matter.
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NJ)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. DISCOVER BANK XXXX
Consumer complaint received 2024-11-14
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. (NY)

I am writing in order to formally dispute certain information in my credit report that is a result of identity theft. This dispute is being made under my rights as outlined in the Fair Credit Reporting Act Section 605, which requires the removal or blocking of information resulting from identity theft. 

These fraudulent accounts and inquiries that I am disputing is documented in my FTC affidavit, which requires by law that you removed these fraudulent accounts from my report at once
Consumer complaint received 2024-10-15
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I wrote to XXXXXXXXXXXX XXXX to lodge a complaint and request a refund concerning several leads I have received through XXXX. As a professional utilizing your platform, I expect fair and transparent business practices. However, I have encountered multiple instances where I was charged for leads that did not provide a genuine opportunity to secure work, which raises significant legal and ethical concerns. 
Summary of Issues : 1. Unresponsive Clients : Numerous leads resulted in no further communication from the client after the initial inquiry, despite repeated attempts on my part to engage. Such leads do not provide a viable business opportunity and should not be billed to the service provider.

2. Clients Hiring XXXX Professionals : I have encountered situations where clients informed me that they had already hired another professional not associated with XXXX. Charging for such leads, where there is no possibility of obtaining the job, is unfair and deceptive. 
3. Cancellations : In some cases, clients canceled appointments without any intention to reschedule or proceed with the job. These cancellations occurred before any meaningful interaction or job agreement could be established, rendering the lead effectively worthless.

4. Estimate-Only Inquiries : I have also received leads where the client was solely interested in obtaining an estimate with no genuine intention of hiring. These types of inquiries should not be classified as legitimate leads warranting a charge.

Legal Basis for Complaint : Under California 's Business and Professions Code 17200, unfair competition is defined to include " any unlawful, unfair, or fraudulent business act or practice. '' XXXX 's practice of charging for leads that do not provide a genuine opportunity to secure work may constitute an unfair business practice, as it exploits service providers by charging for services that do not meet reasonable expectations of value.

Furthermore, under California Civil Code 1770 ( a ) ( 5 ), the Consumer Legal Remedies Act ( CLRA ) prohibits " [ r ] epresenting that goods or services have... characteristics, benefits, or quantities which they do not have. '' XXXX representation that each lead is a valuable opportunity when, in fact, many are not, could be considered deceptive under this statute. 

AFTER that I have tried to dispute those charges via BANK OF AMERICA, and I got a denial.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

SOMEONE STOLE MY INFORMATION COMMITTED FRAUDULENT ACTIVITIES. CAN YOU PLEASE REMOVE THESE HARD INQUIRIES FROM MY CREDIT ASAP. THANK YOU SO MUCH.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO. (TX)

Ford motor company put late payment on credit report. Due to me being overseas/ dealing with military I was under Servicemembers Civil Relief Act This need to be off my credit or I will sue.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-16
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NJ)

I had no issues getting into my XXXX XXXX ( Now target XXXX card ) account until I went to make my payment in XX/XX/XXXX. It seems like since the switch to XXXX XXXX came about. Kept sending me emails to reset password but the passwords did not work. They said they would have someone call me to fix this but never did. Called again during their business hours and always troubleshooted same steps but no resolution or I would get interrupted during XXXX min phone call at work and would have to call back another time. Finally on XX/XX/XXXX they connected me to XXXX which unenrolled by account, gave me a new username and it reset my password.. I finally gained access to my account today after 4 months of frustrations. Constantly calling and giving my private information over and over again to get access to my account has been frustrated and I was late on payments due to these frustrations. Account is up to date today but I feel like these deliquencies should be removed.
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (CA)

I, XXXX XXXX XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. AMERICAN EXPRESS XXXX
Consumer complaint received 2017-07-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IN)

On XX/XX/XXXX, I proceeded to call Navient about two items : removing cosigners, and lowering the monthly payment on two of the four private loans. In regards to removing cosigners, they implemented in recent years that the student would need a degree or certificate ( proof of program completion ) as a requirement. This was not the rule back when I opened the loans in XX/XX/XXXX. I have been able to pay the standard monthly payment for over a year now, and they still deemed me ineligible to remove cosigners. I believe that this is a scam to force the borrower ( s ) to pay. I explained to the representative that I work full time and had no intention of completing school. She explained that of their requirements to remove cosigners, if I was missing one item, that I was disqualified from taking such an action. Being denied, I moved on to ask for a payment reduction, and what options were available to me. The representative explained that my only other option was an interest only option. This I find completely ridiculous considering that I pay {$1100.00} across four private loans and it all goes into interest only as it is. I can not make a dent into principal amount. I tell the representative that interest only payment was absurd as it is, and I requested their rate reduction program. The representative explained to me that the option I requested was through their collections department, and that she 'd forward my call to said department. I wait on hold for a couple of minutes until someone in collections picks up my line. The representative here proceeds to ask for my name and what was I calling for. I explained that I wanted to apply for the rate reduction for two of the private loans. He asks for the loan I.D 's, I provide, and he then tells me to wait a moment. I wait only to find out that the representative had hung up on me.
Consumer complaint received 2024-11-13
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. (MD)

I have been a victim of identity theft through XXXX XXXX XXXX XXXX XXXX, I recently discovered unauthorized activity related to my personal and financial information. Investigation revealed that my identity was compromised through XXXX XXXX XXXX XXXX XXXXXXXX XXXX customer support. I Notified my bank and credit reporting agencies
Consumer complaint received 2024-09-16
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (GA)

Newrez / Shellpoint / Specialized Loan Services ( SLS ), XXXX shows the account is OPEN / never late with $ XXXX in balance. The account should show Closed, paid in full, never late. When selling the home the lawyer contacted SLS for payoff instructions and followed those instructions on XX/XX/2024. Apparently SLS/Shellpoint/Newrez couldn't for see that during their transition after acquiring SLS they may need to place a hold on all incoming payments and payoffs in their notices. But, in my case the last payment on the credit report is show as XX/XX/2024? They did not include the credit bureau ( s ) when they sent notification as paid in full XX/XX/2024. I understand they may have to wait until their system updates the credit bureau. I tried to fix this going threw XXXX with no change. XXXX stated even with the documents I provided they must show the information shown by the reporting company. When I recently attempted to contact SLS by phone their representative stated they have no record of me or my account. I submitted XXXX disputes threw XXXX about the balance and the account being open. On XX/XX/XXXX and again on XX/XX/XXXX. Both times SLS / Newrez / Shellpoint response and report to XXXX was the same. " account open/ never late, balance $ XXXX, last payment XX/XX/2024. It is now XX/XX/2024. Their incorrect updates are effecting my ability to purchase the home I planned on when selling the original home in XXXX. I can not move forward until they report the correct status of my account. They did complete the update to my account in their system as they stated in their reply threw CFPB. However, they did not address all the underline issues. Mainly that they have left the balance in its total on my credit report. From XXXX the final payoff, thru now XXXX.