davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-30
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (OH)

my wife has n't lived with me since XX/XX/2016 only one week XX/XX/XXXX .We are foster parents and monthly receive a check from family and job services.family and job services know this and XX/XX/XXXX started looking for a house for her found one soon after.My check never came in the mail so I phoned them and she signed for the check with them knowing that they got her a home and was n't living anything in this home that I purshed for the kids was on my credit card or check.so anyway they told my wife I will never get anything from me and the check was cashed without my signature at us bank.family and job told her to cash it and they helped her. how could a bank do this the check clearly stated our names and it said and between our names not or and I do n't deal with this bank no account at all
Consumer complaint received 2016-10-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NY)

Seterus inc. my mortgage servicer has taken payments from me over the phone then sends letters saying my account is suspended and the money was put into a suspense account. They have tried to charge me with incorrect fees such as property inspection, that are only allowed if im in default. I would n't be in default if they properly applied payments they have taken from me and put in suspense.When I call I tell them and tell them I want to make my regular monthly payment and dispute the charges they agree and take my payment, then later they send me the letter saying I am in default because the money they took from me is in a suspense account.Meanwhile they keep adding fees including a lock change fee which never happened, they refuse to send me a complete intemized list of the fees. I have ample resources to pay they just wont apply any money taken to my account, they also report me to the credit bureau companys .All I want to do is pay my mortgage they insist I must pay these fees with no chance to even see what they are. Please help me I continue to fall farther behind every day Thank You
Consumer complaint received 2016-10-30
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XXXX Bank of America sent a notary to my property @ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX for me to sign DEED IN LIEU paperwork. 
Bank of America has not submitted this paperwork and has reported the property as " abandoned ''. 
Bank of America has forced me out of my home that I built in XXXX, ruined my credit, and caused me undue amounts of unnecessary stress related health issues. Bank of America has harassed me to no end while trying to work out this issue. They were supposed to modify my mortgage, then turned around and SOLD my house! I got that issue resolved and then they still have n't ended this nonsense. Earlier this year, I thought filing bankruptcy was the answer, however, I rescinded that option. I thought signing a Deed in Lieu would bring me some closure with Bank of America and it has not. 
Please, can you help me with this situation with Bank of America.
Consumer complaint received 2016-10-30
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Since XX/XX/2016, I have been trying to communicate with XXXX to verify and validate my debts successfully with a contract bearing my signature and they have been unsuccessful in doing so. Note, today is XX/XX/2016 so six months have passed with only a bill statement to show. Recently, i initiated an online dispute with Transunion regarding this debt and they said that the debt was " validated ''. How has the debt been verified and validated? Under the FCRA, a contract bearing my signature has to be supplied, and XXXX does NOT have a contract with me regarding this debt.
Consumer complaint received 2016-10-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (VA)

XX/XX/XXXX I went into Navy Federal Credit Union to cash a third party check through my Navy Federal account. Prior to going Navy Federal I contacted the company via telephone to make sure I would be able to cash the check and was told that I could. Once at the bank the story changed and I made a fuss about the misinformation. The days to follow I attempted to use my atm card only to find my account was restricted. I continued to bank with NFCU and in XX/XX/XXXX they took about {$3000.00} from a direct deposit to be posted to my account in my sister 's name, who owed the money to me and owed NFCU as well. I was not notified that my account was being restricted in XX/XX/XXXX or why it was restricted ; nor was I aware that it was legal to take money from a member 's account because the money was owed by another member.
Consumer complaint received 2016-10-30
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (TN)

My XXXX payment was due XXXX XXXX of XXXX. I paid on XXXX XXXX. Then I paid on XXXX XXXX XXXX for my XXXX XXXX bill. I received my next statement and I still owe XXXX for XXXX. At first, I thought the statement just came out before my payment showed, but looking at the statement the XXXX is on there. The rep told me that I had to pay after XXXX. I said, " so you are telling me I only have 3 days to pay my bill or it does n't count, " and she said yes. She said she would check with a supervisor and she said the supervisor said I would still have to make an additional XXXX. Once my XXXX payment was met and it was after the due date any funds sent to the company should have paid my next bill. I told her I would be filling a complaint.
Consumer complaint received 2016-10-30
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (CA)

This is a joint account that I have with my daughter XXXX XXXX. I was going through a lease extension and was denied making any further payments until the lease paperwork was processed. I sent in the signed lease extension along with my payment before the due date indicated. There is currently a XXXX balance on my account. I am erroneously being reported as having a late payment when I was renewing my lease agreement.
Consumer complaint received 2016-10-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

For the past year, I have been disputing the validity of a debt through Portfolio Recovery Associates. My credit report does not show a past due account with XXXX. On XX/XX/2016 a man who represented as a XXXX County Court process server showed at my residence and gave my spouse a summons of a pending lawsuit from XXXX XXXX XXXX XXXX. I contacted the XXXX County Court and there had been no lawsuit filed. 

I contacted Portfolio Recovery on XX/XX/2016 and I spoke with XXXX XXXX in the legal department. He stated, " I can not discuss this case with you and you need to contact XXXX XXXX XXXX ''. I subsequently left a voicemail for XXXX XXXX, the representative responsible for my case. 

On XX/XX/2016, after receiving no call back from XXXX XXXX, I called XXXX XXXX XXXX again and spoke to a different representative who I told I just wanted this behind me and I would pay off the account even though I believed I did not owe it. I do not want to go through the time and energy that it takes to legally battle this issue. She pressured me into stating for the record that my dispute was resolved. I stated that it was " resolved under duress. '' She then offered me a settlement of XXXX % of the balance. She sent a email to XXXX XXXX to contact me which he did that day. I agreed with XXXX XXXX to settle the debt for {$1000.00}. The original balance was {$1200.00}. He sent me a settlement letter and I paid it that day with my debit card. I have XXXX letters verifying the debt has been paid. 

On XX/XX/2016, I contacted Portfolio Recovery Associates and I was immediately asked to pay {$250.00} on my past due account for XXXX XXXX. I told them the account was n't mine to begin with but I had settled it through XXXX XXXX XXXX. They refused to help me sort out the balance on the account.
Consumer complaint received 2016-06-16
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: F.H. Cann & Associates, Inc. (IN)

XXXX has been calling my workplace. My workplace is a XXXX. Not only are these calls an embarrassing form of illegal harassment, but they are putting people XXXX in danger by clogging up the phone lines.
Consumer complaint received 2016-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (DC)

I am currently paying back federal student loans held by AES ( aessuccess.org ). I have been enrolled in their auto repayment program for years, where my monthly payment is automatically extracted from my checking account. I received a call from them earlier today, XX/XX/2016. The voicemail left by the caller was just silence, but after researching the number I was able to determine the caller was AES. 

After logging into my AES account, I saw a note that one of my loans is delinquent. Even though I 've been enrolled in their automatic repayment program, due to some reason they decided not to process my payment, and mark my account as delinquent. Nothing has changed with my checking account. There are n't any issues regarding a lack of funds available in the account. My other student loans that are held by XXXX XXXX are also enrolled in automatic payments, and those payments were processed successfully.
Consumer complaint received 2016-10-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Falls Collection Service Inc. (IL)

I went on XXXX this morning and there was a change to my account that XXXX XXXX had sold an account to Falls Collection. I have been disputing the validity of the debt with wisconsion energy, and falls collection has submitted to the credit bureaus that this is a collection WITH OUT GIVING ME ANY WARNING THAT THEY HAD PURCHASED THE ACCOUNT, NOR HAD THEY GIVEN ME ANY CHANCE TO DISPUTE THE DEBT.
Consumer complaint received 2016-10-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (CA)

After running my credit report in XXXX I found that I had a collection that was placed by Credit Control Service on behalf XXXX auto insurance. On XX/XX/XXXX I reached out to XXXX to verify. After I verified the amount I called Credit Control Service and verified their information that same day. The information that they had on file was not what was on my record. They were delivering information to the wrong address and never verified my account before assigning a debt to my credit reports. So, after negotiations I agreed to pay the bill if they removed it from my account. I gave the woman on the phone my XXXX Credit Card number to pay the bill and she processed the card. The payment was complete and I can provide a copy of my XXXX XXXX. 

The payment date was for XX/XX/2016
Consumer complaint received 2016-10-30
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Messerli & Kramer P.A. (MN)

Trying to collect n a charged off account..i believe the statute of limitations has passed, never notified of a court date to apoear, threatening to garnish or levie wages and that no more court appearances are needed
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SANTANDER HOLDINGS USA, INC. (PA)

I have contacted Santander 2 times in XXXX and finally received a resolution to only have the same issue happen again in XXXX. I have gone into my local branch and they were unable to help me. I reached out via telephone on 4 occasions. They sent me an email with no explanation and no time frame as to when the situation will be resolved. The consumer service is unhelpful and very lacking in any type of resolution. This is the reference number XXXX. There is plenty of money in my account to cover my bill and it is ridiculous that they are unwilling to accept my payment. I was told on numerous occasions that it will take 30 days for them to unfreeze my account. That is unacceptable.
Consumer complaint received 2016-10-30
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (MI)

This situation revolved around who ebay and Paypal interact with one another. My understanding is that at one time the two companies were one. They have since been separated and ownership for each is totally independent. However, ebay 's money transaction service is still Paypal. Even debit/credit transactions that use, for example, a XXXX debit card, are processed thru Paypal. They are many rules that are in force by both ebay and Paypal that determine when the funds are collected from the buyer and when the seller receives the funds. For example, I am a buyer on ebay, I purchase an item from a seller using my XXXX debit card. The funds are immediately withdrawn from my bank account. There are many paths that a transaction can take before the seller has there Paypal account, you can not have your mastercard debit card credited, it must first go to your paypal account and then a request can be made by the seller to have their debut card credited. 

Ok, that is a brief description above of a given process. There are many processes that ebay and Paypal use, depending on their rules and regulations as the time the seller receives the money, first in their Paypal account, which pends the money, in most cases 10 or more days, and then is available to the seller. In the meantime, the dollars remain in either an ebay or Paypal account. That is a lot of money, held onto by these companies before the transactions are completed and the funds that were taken from the buyer and given to the seller takes place. 

IS THIS LEGAL?
Consumer complaint received 2016-06-16
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a mortgage loan which is interest only and the balance is {$700000.00}. The interest rate is 5.75 and since the real estate market crash of XX/XX/XXXX/XX/XX/XXXX I have been trying to get it refinanced to the much lower rates that mortgages have been at since then. My mortgage lender is Bank of America. Everytime I have asked them to refinance the loan, they say that my debt/income ratio is high and they can not do it. 

That is ridicules since for the past 9 years I have been able to make my payments at 5.75 % rate and they tell me that I do n't qualify to make the payments at 3 to 3.5 % rates. 

Of course by delaying this matter for years they have benefited nicely by collecting 5.75 % on a good size mortgage.
Consumer complaint received 2016-10-30
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (OH)

Costco switched credit card providers from XXXX XXXX to Citi Bank ( Costco Anywhere Visa ). This transition happened in XXXX of 2016. My first bill from Citi was for {$1000.00} with no detail of the transactions. I called Citi SEVERAL times in XXXX and XXXX and they said they were NOT able to provide any detail but I needed to pay this bill to keep my account current. I did use this card for a few transactions in XXXX and XXXX but destroyed the card once I realized that Citi Bank was a really bad vendor. Citi Bank proceeded to send me the same initial statement for {$1000.00} in XXXX and XXXX On XXXX I got a new bill for about {$1600.00} but again no detail of the transaction. 

I have called Citi at least 15 times to try and resolve this and the customer service is totally inept to help me. I have sent the company XXXX letters saying that I disputed this charge and they respond with a form letter saying I should contact them about paying my delinquent account. Now they are saying they are going to put may account into collections and I am delinquent. 
I have never not paid a bill or been late on a payment. I feel that Citi Bank has been very heavy handed in saying that they can not provide any details about my the bill but I need to make a payment to keep my account from going to collections.
Consumer complaint received 2016-10-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MI)

I recently checked my credit report and noticed errors on my report that i have no knowledge of or authorized. I reached out to some of the creditors and I have been given the run around. I contacted the credit bureaus about this and I was told to file out an online dispute. I made several attempts an I was unsuccessful to gain access because it says I have answered some of my personal questions wrong. This became alarming and contacted the bureaus again and was again brushed to the side. This inaccurate information is putting a damper on my credit situation and causing me great financial hardship. Please help me resolve this issue.
Consumer complaint received 2016-10-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CCS Financial Services, Inc. (TX)

I never received a notice of this debt or right to dispute from the collection agency. I attempted to settle the debt for a smaller amount, but my settlement offer was not accepted. The original creditor appears to be XXXX XXXX, but I have not had insurance through this company for several years. When I ended my coverage through XXXX, my account was paid in full.
Consumer complaint received 2016-10-30
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (NY)

My credit report showed a tradeline for " Citifinancial Mortgage ''. 
I also received a IRS tax form with the same mortgage name/info on it. 
I never had a mortgage with this company. 
I contacted them and was told that the account number I was reading them did not exist and it was not even the format of their account numbers and therefore could not be theirs. 
The rep on the phone refused to help. 
I sent a letter along with copies of my credit report and the tax form to the address on the tax form. 
I did not receive a response. 
I also sent a letter to a local law firm I was told are lawyers for Citifinancial, XXXX. 
They also ignored me. 
The questions below such as the ones below, " which part of process '' etc. do not have proper answers because they do n't have options for accounts that are mistakes/result of ID theft.
Consumer complaint received 2016-10-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AR Resources, Inc. (NJ)

I received services on XXXX/XXXX/15 and this was a medical service that was paid for by my insurance company. I contacted XXXX XXXX and they assured me that I had no balance with them. The creditor AR Resources INC continues to try and collect on a debt that was paid.
Consumer complaint received 2016-10-30
Product: Credit card — 
Issue: Overlimit fee — 
Company: WELLS FARGO & COMPANY (NC)

I have a Wells Fargo Secured Credit Card, with a payment due the XXXX of every month. I paid my bill on the XXXX by transferring funds from my Wells Fargo Checking Account. I woke up the next day to find an account over-limit fee of XXXX added to my balance. This is not the first time this has happened. After calling customer service, I was told they attach a '' ghost fee '' ( which " should '' fall off in 3 or 4 days ) to the bill even though it was paid on the due date and not late. There is no notification of any such fee in the card disclosures, and when I mentioned this to the customer service rep, she stated even though it is not the best, it 's just their policy. These fees have an impact on my credit report and credit score, because they are reported as me overextending my credit, even though I am not. Even if the fee falls off, they do not correct it with the credit reporting bureaus and I am stuck with a false, derogatory hit on my credit for 7-10 years. Ironically, if it was n't for the fact that Wells Fargo is in the news for deceiving some of their customers, I would n't have been looking as closely at my accounts, and would not have found about their practice.
Consumer complaint received 2024-10-14
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. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-14
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. (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments on an account that I was paid on time. Consumer reporting agencies need to report all information accurately. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to be paid on time immediately. Thank you for your understanding andpromptaction.