davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Portfolio Recovery services has claimed that I owe {$1000.00} and {$750.00} from XXXX XXXX XXXX credit cards. I have sent a series of letters to both Portfolio Recovery XXXX and all 3 credit bureaus requesting validation of this debt. I began this process in XXXX, specifically mailing my initial letters on XX/XX/2018, delivered on XX/XX/2018. My accounts were not marked disputed on my credit reports on XX/XX/2018. I sent another letter on XX/XX/2018 asking for the names, addresses, and telephone numbers of persons who verified this debt. They have violated the Fair Debt Collection Practices Act, specifically Section XXXX, as well as the Fair Credit Reporting Act, citing Section XXXX. I have also sent several letters to each of the credit reporting agencies with no avail. They are continuing to verify this debt without providing any proof.
Consumer complaint received 2018-09-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MA)

I started off with a fixed XXXX to XXXX interest rate on my private loans. Over the last several years they have raised that interest to XXXX and XXXX. 

Additionally, more than XXXX % of my payments go to interest and hardly makes a dent on the principal. 

Ive paid off two smaller loans totalling $ XXXX. And managed to hit just $ XXXX which hasnt moved for several months because of how navient chooses to disperse my payment on interest versus principal. 

My payments to navient have varied from {$590.00} down to {$490.00} a month. 

Thats easily $ XXXX a year that I pay out of a $ XXXX salary. 

Thank you for your attention. I hope to hear from you soon.
Consumer complaint received 2020-09-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Social Finance, Inc. (FL)

When we saw their TV add I called and was assigned a representative aproximatel0y XX/XX/2020, a Mr. XXXX XXXX.. After several calls back and forth he said he required certain disclosures and told me to email them to his private email address ( XXXX ), which I did. At some point he then referred me to his assistant XXXX XXXX collect " missing '' copies of what I sent. I sent them everything they requested including a " required '' {$450.00}. for an appraisal of my home. We complied. 

Three months later they claimed they were missing most of the documents I sent. XXXX then turned over the collection of my documents to Ms. XXXX witch I did. The final straw was and email form Ms. XXXX saying she lost my documents and Mr. XXXX stopped communicating with me. 

I emailed him back saying I was going to file a grievance with my crdit card company for a reversal if the {$450.00}. which I did. Now the credit card company reversed the charge, then reinstated it. I Believe we were duped by their incompetence and SOFI 's persecution of the collection of my {$450.00}. 

Our request was only for between $ XXXX..and {$100000.00}. on our home appraised at {$350000.00}.
Consumer complaint received 2021-05-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA (NY)

I have never applied for Apple Card/GS Bank. noticed a debit on my XXXX XXXX account in XXXX. Reported to XXXX  and they closed the account and credited me the {$400.00} debit. Have no account info or dates of charges on the AppleCard as It's not mine. Applying for a mortgage my XXXX  shows a delinquent 90 day late.
Consumer complaint received 2018-09-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC (CA)

I had the 3rd Party assisting me and ever since they tried to get my file submitted for review for a loan modification every representative with my lender and my foreclosure attorneys as well they gave XXXX XXXX the run around, one would say oh you need to speak to the lender and then other would say you need to speak to the foreclosure and trustee attorneys on this this went back and for XXXX XXXX as this is not how anyone lender is to run a operation with representative that throw you from one rep to another and now during all this time I was trying to save my home and in the meantime the placed a foreclosure sale date on my property for XX/XX/2018 and they SOLD my home after making so many attempt to get one person with me XXXX XXXX XXXX XXXX and my foreclosure attorneys to at least listen to me and they would not even listen to a XXXX party and I now lost my home due to the lender and the foreclosure attorney negligence, when all I was requesting was to apply for assistance they would not even place me in review al they wanted to do was sell my home.
Consumer complaint received 2020-09-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (WI)

On XX/XX/2020, CITIBANK froze and closed a joint checking account. It was now under investigation by the Fraud Department. After 3 months of unacceptable customer service, I was told that only part of my money would be released to me. The unpaid portion was the Social Security payments for my mother and I wasn't entitled to this money. 
This account was set up to pay all services necessary while my mother was in a XXXX XXXX. I've contacted CITIBANK weekly and they refused to release this money and won't give any details of what happened to it. 
I am the executor/representative and POA of my mother 's last Will and Testimony. I have sent by certified mail, documentation of being both my mother 's representative and legal POA, joint names on CITIBANK 'S signature cards, the balance of closing checking account, {$14000.00}, a partial check received for {$6600.00} with an additional check to complete the total for {$7500.00} plus interest, a letter from her doctor stating she's incapable of making financial decisions, a letter from Social Security stating myself as being her representative of her monthly statements and a copy of her death certificate, as my mother passed away XX/XX/2020. 
This money is part of her estate and I am not able to move forward until CITIBANK pays the remaining balance of over {$7000.00}. Please help close this account to make things right. I have done everything I can possibly think of and now I need professional help. CITIBANK is refusing to release this money! 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp. (FL)

I had a lease of a XXXX XXXX XXXX for 3 years and had just finished the lease payments on XX/XX/2018. 
On XX/XX/2018 I got a Lease Termination Invoice of {$580.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) referring of a Disposition Fee. 
My complain is that I bought an insurance specific for my lease and I returned the car in perfect condition. Also I had paid already {$37000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2018 also referring of a Disposition Fee. 
After I call XXXX I found out that XXXX had a complain about the tail light lenses that I had put a decal to protect against any damage. Immediately I called XXXX ( the insurance company ) asking why the insurance company didn't take care of my situation. The answer that I had was that the XXXX XXXX was not responsible for any out of market parts. But there is a big misunderstood because I never change the tail light lenses. That is still the original part of the car that I returned in very good condition, in lower mileages and one month before the due date of the lease termination.
Consumer complaint received 2020-07-29
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MoneyLion Inc. (GA)

I have made numerous attempts at reaching Money Lion, so many Ive lost count. Ive also attached a copy of my phone records and highlighted each attempt made, with no resolution. Under-stably coronavirus has delayed a lot, and with that comes long hold times. However Money Lions hold times are unbearable. To that end, Ive attempted to chat in and receive assistance with my account to which they conveniently turned the chat option off and advised customers to call in. My issue is that Ive tried to update my payment method for my {$21.00} payments to be withdrawn from and have had no success. Their app has been formatted to make you call in for assistance if you havent made a payment within at least a couple days of your scheduled payment date. I finally get in touch with someone, and get my payment updated and my payments withdrawn. Money Lion in turn reported me 30 days late on a payment, which is completely  false! If they have representatives working to report to the credit bureaus late payments then they should have no problem hiring more associates to pick up their phones. The representative I spoke with sent me a template that offered no solution and I requested a supervisor. The rep advises the supervisor will reach out within two days. Four days go by and I reach out yet AGAIN via chat, to have a paper trial of this entire fiasco. The rep then tells me another supervisor will follow up which Im stuck waiting again! A supervisor by the name of XXXX reaches out, and repeats exactly what the first rep told me. No initiative put in to address my concerns, didnt look into anything, just a simple copy and paste of exactly what the first associate stated. The disturbing thing is how they have my old account listed on the payment history, but they magically got the correct debit card number on file to draft my membership fee from in XXXX. This business has the most deceptive practices known to man. An investigation needs to be launched into how they operate. They reported me 30 days late for the amount of {$80.00} however I only pay {$21.00} every two weeks. Therefore the amount technically speaking would be for {$40.00}. Customer service is just there, they serve no real purpose. Supervisors dont supervise anything, they just reiterate what a precious representative below them advised. Ive requested an executive member to reach out to me in three separate emails and the supervisor XXXX has made every attempt NOT to get me connected. So XXXX XXXX cant assist me with my issue, but also cant connect me with an executive. It is my sincere hope to have my concerned addressed with the proper attention.
Consumer complaint received 2020-07-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MS)

I got a letter from NCI ( Nationwide Credit Inc. ) stating that I owed {$870.00} to XXXX as of today 's date they came to my house and did a service call less than 2 weeks ago I never got a bill in the mail and thought I guess due to the pandemic I would receive one. As of today 's date I never got a bill in the amount of {$870.00} and never owed such a large amount of money to this company. I signed up for a monthly plan but never got a bill for {$870.00}. You can not pay a bill if you never got it and you can't ask for money that is not owed. Definitely can not do a service call this week and next week put a customer in collection. This is the most ridiculous set of accounting I have seen I know that I was ill and paid a fee to them that may have been returned and even that amount was never in the amount of {$870.00} which I made an effort to pay them and they closed the account out in a week and forwarded it to a collection not giving the customer enough time to settle the error and forward straight to collections if this company is doing this to me imagine all the other customers they are doing asking for money that is not owed and not billed and you are a customer this month and next month in collections in less than a month. I repeat I never got a bill for {$870.00} in all the time I have been a customer with this company I realize this is a pandemic but should people pay because they don't have proper staff to send a bill that is not correct.
Consumer complaint received 2018-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TX)

Please explain all discrepancies in the payment history for year XX/XX/XXXX-XX/XX/XXXX. 
I did not have access to payment history on Bayview Loan Servicing ( BLS ) web portal. When I completed my Chapter XXXX and it was finalized Bayview Loan Servicing released payment information and I was able to access the payment history on BLS Customer web-portal. The evidence in the report attached to this complaint shows that {$27000.00} was being held in the suspense account through as of date XX/XX/XXXX - XX/XX/XXXX the suspense Balance dropped to form {$27000.00} to {$26000.00} to {$25000.00} to {$24000.00} Please explain where the money in the expense account came from and why it was not applied to timely monthly mortgage payments. The Suspense account dropped {$7800.00} - XX/XX/XXXX. I have been over paying the monthly mortgage payment by {$52.00} monthly a total payment of {$2000.00} - On the BLS Monthly statement the payment amount is {$2000.00}. No where is the overage of {$52.00} being accounted for by Bayview Loan Servicing it is not reported on the website or the monthly statements. WHY NOT? 
BLS ESCALATION TEAM Please look at the attached legible payment history documents and cross reference the payment history and explain the suspense amount and suspense balance fluctuation.Where is the Money?
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE A DISPUTE REGARDS 10 INQURIES ON MY CREDIT REPORT. THEU INCORRECT ITEMS ONM Y CREDIT REPORT EQUIFAX. ITS BEEN WELL OVER 30 DAYS. I HAVEN'T RECEVIED INACURRATE RESPONSE
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (PA)

I have sent certified return receipt letter to this company dated XX/XX/2020. I have proof that the company received the letter. I also issued a dispute to XXXX XXXX, and XXXX. To date, I have received no correspondence from the company and they have continued to report inquiries on my credit report. I did not authorize this inquiry at all, and they had not permissible purpose to make an inquiry on my credit report.
Consumer complaint received 2020-07-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (OH)

Trying to open an account with XXXX and PNC, my bank will not let me link my account ( held jointly with husband ) to the XXXX account. My husband has an XXXX account in his name linked to our joint account with PNC as well.
Consumer complaint received 2024-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC (GA)

Me and a group of XXXX other XXXX borrowers recorded our phone conversations with XXXX representatives and noticed a commonality of mistreatment. 

The representatives that work for XXXX  have been mistreating the XXXX student loan borrowers by means of being rude to us and disconnecting the phone call when we inquire about our loan status. My complaint is about the TREATMENT OF XXXX XXXX & XXXX BORROWERS. 

I contacted XXXX on XX/XX/XXXX to pay off my XXXX XXXX student loan. The representative XXXX XXXX XXXX was extremely rude to me and hung up in my face when I was asking her what other information she needed from me, after she took my payment details. AGAIN, this complaint is about the ill treatment of XXXX XXXX  and XXXX people and getting the phone call disconnected on us because the representatives target XXXX borrowers with their ill treatment.
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I went to look for a car. I asked the dealer if the only ran my credit they said yes only them well they lied and sent my info to many different credit lenders i did not authroize and i contacted each one by mail no repsone and one did  reply and said i applied for a XXXX car and i have never even looked at a XXXX in my life so they also sent false information on my behalf also. It is damaging my credit for these unauthorized inquires on my report. they also did it in two different dates XX/XX/XXXX and XXXX and i didn't Authorize that it was from XXXX imports on XXXX XXXX XXXX Ohio XXXX and list of creditors are XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  twice on there XXXX XXXX XXXX XXXX on there twice XXXX XXXX on there twice
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FC HoldCo LLC (IN)

I have had a loan with this company for 3 years approximately. On my credit report it shows I have 2 30 day late payments. I have called the company and also submitted a dispute with the credit bureaus ( XXXX, XXXX  & XXXX  ).

I use their online website to make payments. 
On XX/XX/XXXX and XX/XX/XXXX it claims I made 2 late payments after 30 days. I submitted these payments per their website. Come to find out a error occurred and the payment did not get processed between the website and my bank. I was never notified of this and therefore I was unable to make it right. After they flagged me with the second late payment in XXXX, I decided to use a alternate method for payment. 
I told them I can not be held accountable for their system error. I have been a good customer and made all my payments on time. They respond very quickly saying they report fairly and sent the same generic letter any company would. I feel like they are not investigating their system and finding what bug has caused this error. I just want them to fix whats right and not to give me some quick response. 
We all have jobs and I feel like they are not doing theirs as a professional lender.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BAY VALLEY MORTGAGE GROUP (NV)

On XX/XX/18 I signed documents to refinance my mortgage from XXXX XXXX  XXXX to XXXX XXXX XXXX company. My loan XXXX XXXX from XXXX XXXX had stated not to pay our monthly payment because XXXX XXXX would be paying off the remaining {$17000.00} balance per wire transfer. All accounts such as taxes, title company, credit cards were paid off by XXXX XXXX on XX/XX/18 which was the disbursement date. XXXX XXXX   XXXX reported the payment late to the credit bureaus which caused my credit report to drop from XXXX to XXXX. I have called and sent XXXX XXXX the disbursement summary to show proof that it was disbursed on XX/XX/18 but they state that the payment was not received until XX/XX/18 since they are on the east coast. XXXX XXXX XXXX has now sold my loan to XXXX XXXX  and XXXX will not return my calls or emails even though she stated she would help me resolve this. XXXX XXXX should have made sure that the payment would be received in a timely manner since XXXX the loan XXXX specifically stated not to make the monthly payment and they would handle it.Neither company will help me in resolving this matter. I have never been late on a mortgage payment and I trusted XXXX XXXX to payoff my balance on time. I don't know which company is at fault but how can I take a drop in my credit when I have never been late on any payments.I need help to resolve this issue. Thank you.
Consumer complaint received 2018-09-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Sir/Madam, I used my Bank of America ( BOA ) Credit card bought one AC through XXXX website in XX/XX/XXXX. But I was charged 3 time for this same transaction, the amount was {$270.00}. I called back and XXXX gave me one refund and told me the other one should be given back to me from BOA. After called BOA, BOA gave me one refund. I thought the case was over. Later BOA sent me a letter asking me to check if this is a duplicated refund BOA would take it back. My understanding was that the investigation was still going on and if BOA found this was a duplicated refund, BOA would take it back. After i sent back the letter, BOA took back the refund they gave me, and told me that i confirmed the refund was a duplicated one with that XXXX gave me. This was not correct at all, since i still paid 2 time for one device. I contacted BOA credit card claim department many times, but they refused to correct the error. The reasons they gave me changed each time i called them. For example, they said that the dispute was expired, or that i had signed and confirmed the refund was a duplicated one, or asked me to contact the XXXX. 

I have been asking is just to correct the errors and refund me the duplicated charge made by BOA visa. It is not something extra. My request is fair and reasonable! The Visa company should treat customers honestly and fairly! 

We are very disappointed with the BOA visa service about this problem. I can not believe a big company like BOA Visa card can made such errors and even if they knew that the error was there, they refuse to correct the error! BOA Visa service should correct the errors made on my credit card charge. 

Thanks for your attention and hope yo can help me to resolve the problem. 

Sincerely, XXXX XXXX