davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion website is the absolute horrible site when disputing items on your credit report or even getting your credit report or credit score. This credit reporting company shouldn't even be in business anymore!!
Consumer complaint received 2019-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (NY)

This bank is making it hard for me to withdraw my funds out with my ATM card. I am at the machine today and it's saying I committed fraud taking out my own money in person. Yet last time this happened they told me the machine has issues and every other card holder it's flagging for fraud at that ATM machine. They poorly maintain the machine plus are accusing me a fraud when I have adequate funds in my account and the transaction should go thru. This is getting to be a form of harassment. They need to fix or replace the ATM machine. They have issued me a new card at this time. They said it would be a fix. Yet I was told last time the machine is in need of maintenance.
Consumer complaint received 2023-10-01
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: V and H Portfolio (TX)

VANCE & HUFFMAN LLC Date Opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX Amount : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX KS XXXX Amount XXXX I DO NOT consent to, benefit from or authorize any of the following inquiries
Consumer complaint received 2019-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

I received a letter from Convergent Outsourcing inc, on behalf of XXXX XXXX XXXX. Based on the information by convergent this account was opened without my knowledge from XX/XX/XXXX-XXXX. This account was opened fraudulently, I don't have knowledge of the transactions made. I am train to open a fraud/identity theft report as well as ftc number.
Consumer complaint received 2019-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My identity was stolen years ago when I lost my wallet in the parking lot of a theater. I took all the steps necessary to alert everyone of what had happened, however, sometime after this happened I began to get debt collection calls from different agencies. But I didnt know what to do about it, and I was able to get along fairy normal after this. Earlier this year, though, I learned how to combat identity theft. I submitted all the paperwork necessary to the bureaus to let then know what had happened with my identity. Most of the fraudulent information has been removed. However, there are still two accounts on my XXXX report that have not been removed. It has now been about two months since I first sent out paperwork to the creditors and to the bureaus, and nothing has been done.
Consumer complaint received 2019-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc (CA)

On XX/XX/2019 I received letter from my bank that collection agency Mid Valley Collections Bureau had levied against my bank account for money owed by a judgment debtor. The debtor has a different name than me, but according to the collection agency he used my social security number. On XX/XX/2019 I sent letter to attorney for the collection agency, Law Offices of XXXX XXXX, and called to notify him that he had attached the wrong bank account. I spoke to XXXX XXXX, attorney handling the case, and he was indifferent to this information and refused to provide any information on the debt, stating that I was not a party to the lawsuit and he could thus not disclose any information. On XX/XX/2019, thru my daughter, I called Mid Valley Collections Bureau, not the attorney, and told them that they had levied against the wrong bank account and that the debtor had fraudulently used my social security number. They told me to call their attorney. I filed police report with the Sheriffs on XX/XX/2019 and complaint with the Federal Trade Commission on XX/XX/2019.
Consumer complaint received 2019-09-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (TX)

I got a car loan through American Credit Acceptance late 2012. Since then it just seems like this company has lied & hustled me into paying additional money. I submitted a request earlier this year that I still have not received a response for. I truly believe they are misrepresenting themselves & applying my payments incorrectly. I have paid the same {$25.00} late fee about 4 times & was not delinquent when paying. They refuse to send me my original loan contract ( which I have asked for 3x now ). They either tell me " no, we can not send it ''. or they agree to send it via fax, mail, or email, but I never receive it. I tell them I haven't received it. They have told me multiple times incorrect information about how the payment is allocated, then when I speak to another agent they give me a totally different answer. I even had a manager be extremely abusive while not answering any of my questions. She proceeded to scream at me after I asked her many times to stop being disrespectful because I was just confused on their payment processing. Today they advised me since I deferred so many payments that I would need to pay the balloon payment within 2 days to avoid repo. If I had never escalated to a manager to complain I would have never known I needed to make a balloon payment. I even asked them specifically on a previous call 'since I deferred so many payments what is my new maturity date '? I also asked 'was there anything additional I needed to do ' pertaining to this same situation. There was no response.
Consumer complaint received 2019-08-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION (VA)

My maiden name is XXXX. i was married in XX/XX/XXXX. I moved to my husbands home in XXXX and opened another account here. My account was never locked until i attempted transfer my money into my new account. Now they wont allow me to access any of my money. They say I have to prove my identity by coming to their branch over 65 miles  away even though i have verified my id by correctly answering all their questions. They claim my account was locked since XX/XX/XXXX but i have had full access to all my funds including ATM access up until I attempted to change banks. i offered to provide my ID via email which is acceptable for most government agencies. This bank is refusing to give me {$3300.00}. I want my money!
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

15 USC code 1666b- Timing of payments ( 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 1647 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 USC 1681a Definitions ; rules of construction ( A ) subject to section 1682s-3 of this title, any- ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Late payments are illegal according to the 15 usc 1681a ( 2 ) ( 1 ) under exclusions
Consumer complaint received 2019-04-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I decided to refinance my FHA loan with Bank of America to take advantage of the much lower interest rate and to eliminate the PMI. The whole easy process was completed on XX/XX/2015 and everything is fine until recently I found out someone have recorded a grand deed attempting to change the title of my property. A grand deed was submitted a year later in a attempt to change it into a community property. This was all completed without my permission or even having knowledge of it. I'm glad the Assessor 's  office was able to void the transfer when it was submitted to them. Is it normal practice to modify the title of the house during refinancing? I assumed that ownership are left alone as original during refinancing. 
My mortgage account # XXXX Property address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX My Full Name : XXXX XXXX XXXX
Consumer complaint received 2023-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (IN)

After many years of making payments on time, American Express failed to credit my XXXX electronic payment on time. I always pay off my balance in full to avoid interest charges, but the one payment issue resulted in a late fee and XXXX additional interest charges totaling {$130.00} and forefitted reward points. 
American Express scheduled my due date on XX/XX/XXXX even though it is a national and banking holiday. I used my bank 's bill pay service to send the payment on XX/XX/XXXX so it would arrive a day before the due date on XX/XX/XXXX. Attached is a copy of my bill pay statement showing the payment would be sent on XXXX and received on XXXX. Also attached is my bank statement showing the XXXX payment cleared my bank on XXXX. A month later I noticed American Express didn't credit my account until XX/XX/XXXX, XXXX day after their due date. 
I spent at least an hour on the phone with American Express to try and resolve the issue. They said their system shows the payment was credited at XXXX AM on XX/XX/XXXX. They opened a case but then closed it without notifying me or asking for any supporting documentation. I find it hard to believe they didn't have access to my payment before XXXX PM on XX/XX/XXXX. I think they had their systems turned off for the holiday even though they are the ones who set the due date on a holiday. I am requesting the charges and reward points be refunded since I have evidence they had access to the payment on XX/XX/XXXX.
Consumer complaint received 2023-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (DC)

On numerous dates in XXXX and XXXX I tried to identify the forgiveness and repayment options available to me. When I called in, they were deceptive and misrepresented my options for forgiveness, my XXXX eligibility, and covid payment refund deadlines. 

Because of their behavior, I did not receive a refund for payments I made during the payment pause because I was not aware that I was eligible for XXXX, and would thereby benefit from a reimbursement, and was not aware of a deadline to request but only a timespan of eligible payments to be requested. 

Furthermore, in XXXX they transitioned to a new platform without migrating my payment history, making it difficult for me to see my history of payments and clarify what payments were eligible for refund. I requested this information online but did not receive it until I repeatedly called in XXXX XXXX 

I made several payments during the COVID payment pause, amounting to over {$51000.00}. With {$42000.00} of payments of this being paid between XXXX XXXX XXXX XXXX XXXX XXXX I would not have made these payments or delayed my request for refund if they had not misled me over the phone and online regarding my XXXX eligibility and deadline for requesting a refund. 

Ed Financial told me that I could request a refund for payment during the pause, thanks to the CARES act, as long as the payment was made during the pause, and that no deadline was currently set or advised by Department of Ed. No deadline was ever communicated to me. 

Throughout XXXX, XXXX, and XX/XX/XXXX, I attempted to make the request for refund several times using their online form, chat tool, and by phone. Several times the phone calls hung up on me, had extremely long wait times, and the few times I was able to get someone on the phone knowledge was limited. 

Despite many attempts to formally submit requests using their online form tool / email tool did not record my messages, send me any sort of confirmation message, and never responded to me in any way shape or form. The few times I was able to get someone on the phone, they said I could not request a refund or that it was too late. 

Information regarding refunds available on Ed Financials site was non-existent or misleading, while StudentAid.gov only listed the dates of payments that were eligible to be refunded, not a deadline to request the refund. The CARES Act also does not list a deadline to request the refund. I should have had a fair window of time to make my refund request beyond the final date of my payments. The largest payments I made were less than 60 days ago. There is no reason I should not be able to receive a refund that I'm entitled to by law. 

These are the dates and payments I want refunded : Date Payment Amount XX/XX/XXXX {$4500.00} XX/XX/XXXX {$980.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$30000.00} XXXX  {$12000.00}
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SERVISFIRST BANCSHARES, INC. (AL)

Company purchased alleged debt that they assumed was mine and in fact doesnt belong to me. In fact Debt belongs to the United States according to 18 USC 8 as defined The term obligation or other security of the United States includes all bonds, certificates of INDEBTEDNESS, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, BILLS, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

Alleged debt company is illegally furnishing is considered bills or certificate of indebtedness as stated above so its factually impossible for alleged debt to be mine when the UNITED STATES says its their obligation, not a consumers. 

Company also violated my privacy rights by furnishing personal information without my written consent as my consent is required by law for any person to furnish information regarding me as stated in USC 1692 ( c ) Communication in connection with debt collection- ( a ) ComMUNICATION WITH THE CONSUMER GENERALLY Without the prior CONSENT of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- I never gave company consent for such illegal activity.
Consumer complaint received 2023-11-08
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: Experian Information Solutions Inc. (PA)

XXXX XXXX ( last 4 of ssn XXXX ) XX/XX/XXXX To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries 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 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
Consumer complaint received 2019-08-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (GA)

In XX/XX/XXXX, I started to loss my jobs due to a lack of retail sales. Therefore, I have gotten behind on my mortgage payments. I have constantly spoken with Flagstar Bank to keep them updated on my situation. Currently, My home is in foreclosure and I have been attempting to do a loan modification with them since XX/XX/XXXX. I have had NACA working with me to prevent this forclosure and handling of documentation that needed to be sent to them. My package for a loan modification was sent to Flagstar via  email on XX/XX/XXXX and they have as of yet to review my file as of yesterday XX/XX/XXXX I was told they hadn't looked at my package. Today I was told my loan modification was denied on the XX/XX/XXXX when they haven't even looked at my package. I am currently working for XXXX and XXXX XXXX companies to try and make ends meet. I feel my husband and I, are being discriminated against due to the fact that my husband is completely XXXX with XXXX XXXX. This disease takes your eyesight and hearing at a very young age. I feel I am being bullied because I am a woman and am unaware of the proceedings that happen during loan modification. Every time I call Flagstar I get different information from different agents and my NACA representative has also had the same issues. I do not understand how they can deny me a loan modification without even looking at my package. I have received a letter from an attorney giving me a forclosure date and intent to sell. I do not wish to lose my home I would like to work out something with the bank but they aren't giving me any options at this time because they are saying I am too late when I have given them 39 days to look at my loan modification package. The only notification I have received from Flagstar bank is payment stubs and then a letter from an attorney stating a sale date and intent to forclosure.
Consumer complaint received 2019-08-13
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: BTH Management (CA)

XXXX are reporting this erroneous account on my credit report that does not belong to me and i have been disputing for several months now but they keep responding by saying it's verified but not sending me any type of proof.
Consumer complaint received 2019-08-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rushmore Service Center, LLC (GA)

XXXX Rushmore service center no caller Id XXXX XXXX XXXX XXXX XXXX XXXX North Dakota XXXX XXXX Did not have consent to call cell phone *as follows with TCPA laws and regulations. 
He stated that he will not argue with me, when I wasnt arguing with him he was very rude, but the way that wasnt his first time calling my CELL PHONE from a business with PRIVATE CALLED. He asked to speak with me but before he knew it was me he just gave me debt information and I asked him why is he calling from a private number and he stated he have no control over the phone number and I asked one more time why not from the company phone. 
Did not verify information went right into the mini miranda and asked when can I pay in full of {$500.00} from XXXX XXXX credit card. I asked him if I can speak with a manager, he placed me on hold for 2 seconds and stated no manager was available. I mentioned I will be contacting my lawyer. 
I also mentioned the second day he called private to NOT CALL MY PHONE he said okay and hung up and called me again next day less than 12 hours away. 
Not to say the debt isnt mines but he violated my privacy. 
The dates for the unknown calls are 2 calls on XX/XX/2019 ( NO CALLER ID ) @ XXXX & missed call at XXXX 1 call XX/XX/2019 ( NO CALLER ID ) @ XXXX