davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

To Whom it may concern ; The afternoon of XXXX XXXX 2021, I received a call from someone who said they were a representative from XXXX and that this was a urgent matter. They had me verify things in my phone settings convincing me my phone had been compromised and that they would need to access my phone in order to stop the hackers from stealing money from my bank accounts. While this was in process I became concerned and called the USAA Fraud line. I received a message that it would be 2:49 minutes before anyone could speak with me. I called several times in the hours proceeding. The same message over a 2hr wait to speak with anyone. I finally figured out that I could block my USAA account thru doing some research on line. I blocked my account the same day. I was able to finally reach a USAA rep XX/XX/XXXX and they opened up a dispute in my behalf. XX/XX/XXXX I got a call from USAA Rep explaining she would reach out to XXXX the company responsible for transfer these unauthorized funds and call me back. Never got a call back! Reached out to USAA and was transferred to another USAA rep in the fraud dept. I was told they would appeal this unauthorized charge. No action has been take again! 

I have filed a Fraud report with the Federal Trade Commission ( Report Number XXXX ) Please Advise XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I received a mortgage statement and to my surprize it said, that I had not made any payments since XX/XX/XXXX. I paid all my mortgage payments on time every month usually for more then was due that went into a suspence account, that is now heavy with funds. I ordered the canceled checks from the bank and found that they were cashed for three months XXXX, XXXX and XX/XX/XXXX They were cashed in there perspective months, but only put in my account this week in XX/XX/XXXX except for XX/XX/XXXX that was put into someone else 's account per back of the check. My payments for XXXX, XXXX and XX/XX/XXXX have not cleared the bank and the mortgage company said, because they filed for forecloser that they may not accept the payments.
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX, XXXX XXXX and XXXX dollars were taken out of my bank account. It was through XXXX that was linked through my Bank of America card. I did not spend this money on some women 's yoga pants brand store. The name of the store is XXXX. The next day I gave Bank of America a call and submitted a claim. The claim was overturned, so I gave them another call asking for a reconsideration. The reconsideration was overturned again on XX/XX/XXXX. On that day, I gave Bank of America a call, and I asked for the documents that were used to make the decision so that I can use the documents to prove that I did not use the money. The lady I spoke to said the documents were mailed to my address and that I would have it in a week. A week later, I received the documents. When I opened the letter, I was surprised to see that it was nothing different than what I received through my email. I didn't see any specification or documents that were used to make the decision to overturn my claim. It just said unfortunately, we're unable to approve your recent claim. That day I gave Bank of America another call. The person I talked to then said that if I visit any Bank of America in person and ask them to give the fraud services a call, they can email the documents to that bank and the bank would print the documents to give it to me. Today, I visited the Bank of America near my house, and asked them to give the fraud services a call for my documents. The lady I talked to said that they don't do stuff like that there, and that she can't give them a call for me. Every time I call Bank of America, I feel like they are just making random excuses. One guy said something about my IP address being the same as the person who used my money, and one lady said something about how the package was delivered to my house. I don't understand what is going on.
Consumer complaint received 2021-03-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MA)

I have a dresser and dinner table on sale at XXXX messenger, XXXX and XXXX. I got a text from XXXX. This person wanted to pay with a cashiers check instead for the items as well as to pay for the delivery through this cashiers check. I was mailed the check and deposited it on XX/XX/2021. The funds from the check were available on Saturday. The person who sent me the check text me asking to confirm if the check had deposited so I confirmed. This person ask me to pay the movers to pick up this furniture via the Zelle application. I have never used this before but saw it was available in my banking application ( XXXX  ) so figured it would be safe. I sent over {$750.00} to Zelle account email the scammer gave me, XXXX ( XXXX a is the name the scammer gave me for the email address of the Zelle account ) on XX/XX/2021. This scammer told me the total moving fee was {$1100.00} and since the max limit sent via Zelle is {$750.00}, he asked me to use XXXX XXXX  and send {$430.00} to XXXX  XXXX  username, # XXXX ( XXXX XXXX is the name that comes up after searching that username ). The transfer would not go through as it was refunded for my protection. I thought this may because I had already sent {$750.00} and my bank was being protective. The scammer then suggested to send the remaining {$430.00} through Zelle on Monday, XX/XX/2021. I sent the money to the same Zelle account, XXXX, on XX/XX/2021. Then on XX/XX/2021 the cashiers check of {$1700.00}, the scammer sent me got sent back to my account as Return deposited item altered/fictitious item and left me $ XXXX in my bank account.
Consumer complaint received 2024-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed these Inquiries on my credit report because I have not authorized any company to view my credit report and they should not be on my credit report. The credit bureaus always send me an updated credit report stating that the accounts have been verified and updated. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under 15 U.S.C. 1681i, I request an investigation of these inquiries, and in accordance with 15 U.S.C. 1681b, I expect these unauthorized entries to be removed if they are found to lack a permissible purpose. 
Please provide written confirmation of the removal of these inquiries and send me an updated copy of my credit report reflecting these changes. If you are unable to remove these inquiries, please provide me with the evidence of my authorization and the permissible purpose under 15 U.S.C. 1681b for these inquiries.
Consumer complaint received 2021-06-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

XXXX XX/XX/2021 at XXXX tried to access ATM at XXXX XXXX XXXX In XXXX CA. After downloading XXXX app for access I tapped on ATM system prompt. Immediately Error popped up stated sorry, this feature doesn't work right now. 

Called phone CSR at XXXX XXXX  same day and took 16 minutes to Get rep. Rep was stating I had to be at location? I gave address and filed complaint to be noted. 

Why can I not access ATM without card? This change is only since XX/XX/2021. This is not accessible banking.
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (WA)

I've had issues in closing our mortgage refinance with XXXX. This has been an issue since XXXX and we've missed several closings due to incorrect or missing closing disclosures. 

We've constantly had the wrong loan amounts, different pre-paids that have been inaccurate, different escrow amounts which have been inaccurate, fees that aren't called out on some closing documents and then called out on others. 

Every time I've sent over the correct amounts of what I would expect to see and asked for explanation. I've sent over numerous closing statements from my current mortgage lender showing what the amounts should be to pay our loan off as we are just refinancing ( no cash out ) and we're bringing cash to close for everything else ( so not rolling into our mortgage ). I've yet to get any clear answer or an accurate closing disclosure. 

On our most recent closing disclosure our loan amount is still wrong, plus they have the wrong payoff amount. The solution they have provided to us is " well if you overpay, you'll get a refund from your current Mortgage provider and then can put that back into your new loan to bring it back to where it should be. '' Several issues with the above - first, that is just wrong to ask someone to take out more of a loan than they need/asked for - even if it gets refunded. That takes time to happen and during that time you're paying extra interest on a loan amount you didn't need in the first place. Further - if you didn't pay that extra back to your new mortgage you'd end up paying extra interest on something that was already paid off on your first loan. Second in this case, they are asking that not only do we take out a bigger loan than we need, but bring extra money to close to cover to difference in the wrong loan amount and the wrong payoff amount - that is an extra {$1500.00} that we are supposed to bring to close. Overall with that plus the wrong loan amount means that we are overpaying by {$3900.00} ( {$2300.00} from the difference of how much we actually owe on our current mortgage and how much they say our new loan is + the {$1500.00} that we would need to pay to cover the difference between the new wrong loan amount and the wrong payoff amount ). 

I'm at a loss for why this seems to be so hard to get correct and that we're being asked to do something that isn't right for the loan. Additionally - the newest closing disclosure has a new Title processing fee for {$120.00} that wasn't there on any of our previous closing documents.
Consumer complaint received 2021-03-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC (ME)

I paid my car loan off in full in XXXX. I held my loan with XXXX and purchased the car from Carvana. Carvana mailed my title to a previous address, and when I called to discuss this with them in XXXX, I was told that they would need to wait for the title to bounce back to them through the postal service, and then they would forward it on to my new address. In XXXX, I called to inquire because I still hadnt received my title in the mail. I was told that the previous representative was wrong, that Carvana no longer held my title and I would need to contact the North Carolina DMV. However, when I contacted the DMV, they stated that their records showed that they had returned the title to Carvana in XXXX.
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Hello Approximately in XXXX of XXXX my husband and I wanted to modify our jumbo mortgage with HSBC. It had taken a while so we followed up about 3 months later and were told that it is still being processed. We then reached out mid XXXX and were told to wait 6 months as it was to close to our last modification. After the 6 months we submitted again, this was now the end of XXXX. It is now XX/XX/XXXX and we have locked in our new lower rate and were told it was in underwriting however today XXXX XX/XX/XXXX ) we have been told that since the home is in o family trust ( husband and myself ) that the bank HSBC was not able to do it. this makes no sense as the home has always been in our trust and we did a modification with HSBC in the past with the home in a trust. Did a new law come into effect? 
This process has been super frustrating, incredibly lengthy and as of today very disappointing. We are good customers of HSBC and have another mortgage and heloc with them as well as bank accounts.
Consumer complaint received 2021-03-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent out disputes to all three bureaus and I have yet to receive any response yet from XXXX, XXXX  or Transunion. This is my third time sending in a dispute and waiting for a response. All i ask is for all three bureaus to investigate and update my inaccurate information on my credit profile
Consumer complaint received 2021-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

PHOENIX FINANCIAL SERVICES is in clear violation of the FDCPA Laws, 48 of them but I could have cited more. From there previous response to my original inquiry of validation, there is a clear admission of non proof, but harassment.

Pursuant to 15 U.S. Code 1692k - Civil liability, 15 U.S. Code 1692k ( a ) ( 1 ) and 15 U.S. Code 1692k ( 2 ) ( a ) I want remedy of {$48000.00} and immediate Deletion from all consumer reports. I will be sending on my affidavit of Truth along with an invoice for my Federally protected consumer rights. please investigate this matter and help me from further harassment. 

XXXX XXXX
Consumer complaint received 2021-06-02
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: EQUIFAX, INC. (NJ)

I sent the credit reporting agencies letters last XX/XX/2021, notifying them that they reported inaccurate and incomplete credit information. I am distressed that they failed to maintain reasonable procedures with their operations to assure maximum possible accuracy in the credit reports they published. It's very clear that they violate the Fair Credit ReportingAct, Section 609 ( a ) ( 1 ) ( A ) and I want to seek legal action about this issue.
Consumer complaint received 2021-03-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I started disputing a late payment on XX/XX/XXXX with the bureaus. At that time, I did not receive any responses from them letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX and again on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.
Consumer complaint received 2021-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (GA)

Ive sent in a certified notarized letter to Navy Federal. Its an important legal document Affidavit along with other legal documents attached. Navy Federal has committed several violations under the FDCPA, TILA, FCRA, and many more which theyve violated my rights as a consumer. This is not an attempt to collect a debt.

15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 15 U.S. Code 1692d - Harassment or abuse 15 U.S. Code 1692b. Acquisition of location information 15 U.S. Code 1692g - Validation of debts 15 U.S. Code 1692f. Unfair practices 15 U.S. Code 1692b. Acquisition of location information ( 4 ) not communicate by post card ( 5 ) no language or symbols on any envelope
Consumer complaint received 2021-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

I paid a collection in XXXX of 2020. Collection was paid in full. A few months pass and I notice another collection for the same/around the same debt popped up. I went through my records and found the original payment receipt. The debt collector is saying this has not been paid, but my records show otherwise.
Consumer complaint received 2021-03-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CT)

Our loan was transferred from saxon to ocwen XX/XX/XXXX. 
Ocwen credited the overcharge of taxes from XXXX modification to XXXX and XX/XX/XXXX payments received from saxon for XXXX. 
Ocwen did not service us until XXXX XXXX  14 months after transfer as letter submitted dated XX/XX/XXXX confirms. 
This resulted in severe fees and damaged to our credit. 
Ocwen could not provide XXXX form or account history statement. 
Yes they submitted to you a reconciliation history for XXXX which does not prove anything. Their reconciliation history always differs from actual account statement.
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (NY)

Step 1 : What is this complaint about? accounts were opened fraudulently in my name on or about XX/XX/2020 using an email account XXXX with XXXX XXXX  and ASPIRE card Step 2 : What type of problem are you having? i can not close the accounts and the people refuse to acknowledge these accounts are pure fraud and then then demand payments and demand my filling affidavits that do not arrive in the mail on time ... why should the affidavit forms arrive on time by mail?? the US Postal Service in is in disarray Step 3 : What happened? see abover Step 4 : What company is this complaint about? XXXX  XXXX  and ASAPIRE CARD and in a way the XXXX XXXX people ( an encripted email provider based in XXXX and apparently a favorite for identity thieves Step 5 : Who are the people involved? folks in both companies discover card aspire cards and protonmail.com also people who were staying at my house for a few month s are likely involved as well as a XXXX XXXX who recommended the folks be invite in can be reached at XXXX XXXX XXXX
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LoanCare, LLC (TX)

Hello I had an Mortgage with XXXX XXXX  from XXXX XX/XX/XXXX and the mortgage has been transferred over to LoanCare , LLC XXXX We made our last payment on XX/XX/2021. We made our first payment with Loancare LLC on XX/XX/XXXX, During the transfer my wife and I credit has been hit for an total of XXXX pts. Loan Care LLC is still no report our loan to all 3 credit companies. I have been calling them for the last month to get still resolved. Please help asap because this is hurting our credit really bad and we are trying to refi our house asap and now our credit is to loo to refi because of Loan Care LLC. 


I can be reached at XXXX XXXX
Consumer complaint received 2021-03-12
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. (CA)

EQUIFAX CUSTOMER SERVICE WOULD NOT TAKE CARE OF NEGATIVE INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-11
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: National Credit Systems,Inc. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX XXXX and XXXX CRAs. On XX/XX/2021, I mailed XXXX XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IL)

On XX/XX/2022 an ACH in the amount of {$48000.00} was sent from my account in XXXXXXXX XXXX XXXX to an individul account with PNC Bank. This ACH was sent in error, and recalled within 24 hours and on XX/XX/XXXX. I was advised by XXXX that the ACH was not reversed in-time, and the funds were not available to be recalled. Myaccount was deducted {$48000.00}.

I filed a police report. The police invetigation revealed through subpoena to PNC bank that in fact the ACH was reversed and no funds were disbursed to PNC customer. However, I never received the funds back into my account. When I ask XXXX XXXX they are telling me that PNC is not responding. When I ask PNC, they tell me that they can't tell me anything as I am not their customer. I have been out of {$48000.00} for almost a year, and neither bank is doing anything about it. Please help!