davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-19
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: BARCLAYS BANK DELAWARE (VA)

Barclays Bank reports that I still owe them money when they sold my credit card debt to XXXX XXXX. I settled and paid off the credit card with XXXX XXXX collections. I called Barclays credit card company 2 times and they did nothing but put me on hold for 3 hours. I put in dispute twice with XXXX and they did not help me either General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name BARCLAYS BANK DELAWARE Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1700.00} written off. {$2300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2300.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX   Monthly Payment {$0.00} Credit Limit {$1800.00} Highest Balance {$2300.00} Terms NA On Record UntilXX/XX/XXXX
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TN)

I have asked this place to remove the account info from my credit. XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX They will not remove this and it has been paid in FULL
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (DC)

Equifax continues to report a closed account issued by XXXX in which the last " late payment '' was received over 7 years ago. Not only was the account fraudulently open without my knowledge or authorization and therefore must be removed, the delinquency legally can not be included in my credit history on my credit report due to its age and must be removed. 

Equifax previously removed the following accounts from my credit report due to fraud, and has not re-listed the accounts and the negative reporting history, including XXXX ( opened XX/XX/XXXX balance {$9100.00} ) ; XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$490.00} ) ; XXXX XXXX XXXX ( opened XX/XX/XXXX balance {$550.00} ) ; XXXX XXXX ( opened XX/XX/XXXX balance {$1600.00} ) ; XXXX ( opened XX/XX/XXXX ) ; and XXXX ( opened XX/XX/XXXX balance {$4900.00} ) I have no access to the account information in order to dispute with the creditor because they were opened fraudulently without my knowledge or consent. Despite this finding, Equifax has since relisted the accounts as belonging to be with has negatively affected my credit and finances.
Consumer complaint received 2019-07-17
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: TOLL BROTHERS INC (ID)

On XX/XX/XXXX I signed a rate lock agreement through TBIM  with Toll Brothers in XXXX Idaho. My husband is the veteran on this loan and he did not want to have this rate lock. I signed it, but there were two spots for mine and my husbands signatures. They would not close on the home we were having built until XX/XX/XXXX due to a VA short sale seasoning period. They were fully aware of the situation that pertained to the short sale. They sold us a product that was not suppose to expire until after we closed in XX/XX/XXXX. Fast forward to XX/XX/XXXX, I go to the local sales office and speak with the other agent handling our contract. She looked up to see on XX/XX/XXXX if there was a rate lock. She stated to me there was no rate lock on file. So, with that being said and me thinking the rate lock didn't go through due to lack of the veterans signature on a va loan, I called my bank whom is a military bank and got a VA loan through them with no waiting for a seasoning period as TBI made us wait. TBI stated that since we had gone through another lender that the rate lock fee would have to be paid back. They added it to my closing cost on XX/XX/XXXX. After speaking with 3 people, we got generic information that pertained to the rate lock that they stated was locked with XXXX XXXX. To my surprise, on the information given the rate expires on XX/XX/XXXX. That's 1 week  before TBI would allow us to close the loan with them. I've heard from a few people that they would have extended it out, but nothing in writing on that. I was not told that the rate lock would expire before we could close in XX/XX/XXXX. After speaking with TBI 's legal department, they stated they were under no obligation to extend the rate lock out, but would. So, they have told me they would but also they don't have to if they choose not too. They sold me a product that we wouldn't have been able to legal use in the time frame it was sold to us. So, we had a 50/50 chance of having to pay more money out of pocket because the rate lock the sold us expired 1 full week before closing. I have asked for my money back due to the product being expired by time we could have used it. They stated to me that we couldn't fulfill the commitment on our end before it expired. Due to the nature of the shirt sale and they were fully aware of the short sale when we first applied. They scammed us on a product that was not usable during the product period. Now, they wouldn't close our loan because they state VA guidelines. We spoke with the VA about buying this home and they stated that it was up to the lender. They had no issue with us closing before the 24 months after a short sale. Now, my bank has our loan and TBI keeps giving me the run around. Not telling me how in the 7 months after the rate lock was signed it didn't get sent to the sales office to show we had a rate lock on file. TBI took our money fully knowing we could not use that product. This is fraud! They can't sale me something I can not use.
Consumer complaint received 2019-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

A few months ago In XXXX I think I received a letter from New Res that made me believe New Res was going to force me to buy a high priced Hazard insurance, so I sent them proof of Insurance from XXXX.they sent me letter telling our mistake about hazard insurance, but my escrow was short about XXXX XXXX dollars, so my mortgage was still going up XXXX XXXX a month.New Res has the worst reviews I've ever seen but what got me was their web sight will not let me sign in it claims my SS # is invalid.I will try to send attachments later.My new payments I believe are way out of line I also resent New Penn selling my mortgage when paid all mortgage notes on time sold to a collection agency of things.I agreed to the payment of XXXX by raising payments by XXXX dollars.Really hurts any kind of budget I might have had, When I had XXXX my escrow payments never went up, and my local taxes have not changed.I hope the dates are on the attachments. I feel like they ( New Res ) are trying to force me into a situation where I can be foreclosed on
Consumer complaint received 2019-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMCOL Systems, Inc. (MI)

I received telephone calls from a collection agency call Amcol not knowing what the debt was about because they refuse to give me any information in reference to whats being owe, scams of identity have already occur on my credit report and sent to wrong address. I file bankruptcy and all information is public record. Amcol say that they have information, what is it! I have been rebuilding my credit and with patience and paying on time XXXX XXXX score was XXXX was XXXX and XXXX XXXX now all three is below 622. I don't have a problem in paying what I owe just talk to me, without abusive behavior of threatening me, trying to intimidating because of the power the three bureau 's has given them over me.
Consumer complaint received 2019-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

HSBC closed my credit card ( acct # XXXX ) account because of inactivity without giving me reasonable time to respond and redeem my points prior to closing my account. They alleged that they send me a letter during the last week in XX/XX/XXXX. However I was out of the country and I even told them about my plans in early XX/XX/XXXXbefore I left so I can have access to my credit card and bank account while I was away in XXXX. During that phone call, they never mentioned about my credit card account will be closing soon and I would forfeit all my points if I don't redeem it before that date. Upon returning, I found out that my credit card account has been close and the reward points were all taken away.
Consumer complaint received 2019-07-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I was presented with a promotion from Merrill Edge claiming that if I opened an account and deposited more than {$20000.00} into it, that I would get two benefits from Bank of America : 1. I would be granted Preferred Rewards status within 30 days.

2. I would be moved up to the tier of Preferred Rewards corresponding to my total asset value regardless of the 3-month rolling average within 30 days after that. 

On XX/XX/XXXX, in accordance with this promise, I deposited {$50000.00} ( which would qualify me for the Platinum Tier ). 

As of XX/XX/XXXX, I was not enrolled in Preferred Rewards. I went to the bank the next week and was told it would happen by the end of the week, which it did ( 7 days after their printed promotion had promised ). 

Today is XX/XX/XXXX. As of today, I STILL have not been moved up to the Platinum Tier. This is 19 days after it should have occurred. Every time I use my credit card, I am missing out on rewards dollars because of Bank of America 's rewards booster for Preferred Rewards clients ( which increases based on tier ).

I have gone into the branch and called, and no one will fix the problem. The Merrill people say the bank has to do it, and the bank people says that Merrill has to do it. It is very frustrating.

For me, this is primarily a matter of principle. Investment organizations should NOT be able to lie to their clients in order to get deposits.

I have been informed I am not the first person to be deceived like this.
Consumer complaint received 2019-07-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (CA)

Good afternoon, In XX/XX/XXXX I leased a XXXX XXXX XXXX, in XX/XX/XXXX, XXXX months before my lease was up I was notified by the dealership that I could turn in my lease early, if I was interested in leasing another vehicle. 

I went to the dealership, turned in my leased vehicle, and did a new lease on a XXXX XXXX XXXX. 

When I first least the car, in XXXX, I was called back into the finance office, as they stated there was a problem with my lease, I re-signed new paperwork, and never looked at the lease again. 

XXXX XXXX XXXX, when I did the new lease, again, I was called XXXX weeks later in XX/XX/XXXX, as there was a problem with my lease paperwork, I went back in and re-signed paperwork again. 

Approximately XX/XX/XXXX I was notified By XXXX XXXX XXXX XXXX, that XXXX XXXX over {$3000.00} in excess mileage for my lease. 
I specifically, asked for, demanded, a XXXX-year, XXXX mile per year lease, this is the XXXX lease that I have had over the past XXXX years, I have never had anything lower than XXXX miles per year. 

The dealership is now stating that that is not what I signed, I am working with Hyundai Motor finance. XXXX, who have a greed to deduct half the charge as I have done my due diligence with proof of photographs from the day I purchased the car, my dollar amount per month with the added dollar amount for extra miles, however, the dealership is absolutely unwilling to work with me. 

In addition, today I went to the dealership as I was promised a three-year maintenance service contract with the new car, and came to find out today that there is no service contract on my paperwork, again, I was lied to by my sales person/finance manager Hyundai Motor finance. corporation has an open case pending, and recently sent us to collections, my father, was a cosigner on the first lease they have threatened to take our homes if we do not make this payment. 

I would have made the payment, if I had all signed up for XXXX miles a year, the sales person lied, the finance manager lied, in both instances and they are not willing to except responsibility. 

I need some assistance in trying to sort this out Hopefully without obtaining an attorney, or blasting them on social media, yelp, the Better Business Bureau, I am beyond frustrated and need some assistance.
Consumer complaint received 2021-07-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

XXXX XXXXXXXX Keeps Selling An Alleged Debt To 3rd Party Collection Agencies To Try And Collect. I Have Never Done Business With Commonwealth Financial Systems, Nor Have I Ever Entered Into Any Agreement With Them. I Have Disputed This Debt With Commonwealth, It's Been Over 30 Days And I Have Not Heard Back From Them. The Law States They Have 30 Days To Respond And They Have Not. I Need This Alleged Debt Of A Petty {$60.00} To Be Discharged Immediately And Removed From My Credit Report.
Consumer complaint received 2019-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I had my card copied and was used at XXXX XXXX XXXX and XXXX Bank of America put the claim in wrong that I got charged 2 times and would provide recent never got anything in the mail then they took out of my account.I then called and told them they made a mistake and these were fraudulent.They put a claim in and these companies wouldn't give the money and closed my account without telling cause I was XXXX overdrawn and charge backs were for XXXX XXXX XXXX and XXXX now they are holding onto my direct deposit from my and are going to take it out of that money which I need to pay my mortgage and car payment.they did these charges XX/XX/XXXX XXXX
Consumer complaint received 2019-07-18
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. (MS)

I recently reached out to the credit bureaus asking them to verify my bankruptcy. They sent me results saying verified but the did not verify it properly. The law states that bureaus must verify bankruptcy information from the original furnisher, which is the bankruptcy. I have a letter from the court house stating that they don't share information with credit bureaus. Therefore the credit bureaus are in violation of the law. Also the results state that the got the information from XXXX XXXX which is a third party which is another violation. I put a freeze on my XXXX XXXX profile before I asked them to verify my bankruptcy. There the credit bureaus lied and are in complete violation of the law.
Consumer complaint received 2019-07-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (GA)

XXXX XXXX XXXX internet account # XXXX was closed on XX/XX/2018, in connection with the sale of our home and a move to another geographic location. At that time we were verbally assured by an XXXX XXXX XXXX representative that because we were moving to a location not serviced by the company ( XXXX XXXX ) our account would be closed with no further liability to us. On XX/XX/XXXX, we received an invoice in the amount of {$140.00}, an amount that was described as an " early termination fee ''. On XX/XX/XXXX we again contacted XXXX XXXX XXXX, via telephone, and we were advised to disregard the invoice, and again, assured that no further fee was due. We subsequently called the company in XXXX of 2018, and received a confirmation from them that our account contained a " XXXX balance '', and that it was closed. 


That original {$140.00} charge was, instead, sold to a collection agency ... XXXX ( XXXX TX ), who then subsequently demanded payment from us and issued a negative report to the various credit reporting agencies.
Consumer complaint received 2019-07-16
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Weltman, Weinberg & Reis Co., L.P.A. (OH)

On XX/XX/XXXX I submitted via certified mail to Weltman, Weinberg , & Reis Co., LPA a written request to stop contacting me except via US Mail however they continued to attempt to contact via telephone many times through out XXXX, XXXX, XXXX, and the beginning of XXXX. At one point they called my in laws and told them they were attempting to get in touch with me over a past due loan and they attempted to call me at my place of employment on or about XX/XX/XXXX however I do not have a record of this. I do have records however showing 29 call attempts from them, some with messages, that occured between XXXX, XXXX and XXXX, XXXX. Some days they called 2-4 times per day. 
Also on XX/XX/XXXX, within 30 days of receiving the validation notice, I requested several documents to validate the debt including proof that the account had been sold or assigned to the collection agency which I did not receive.
Consumer complaint received 2019-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MI)

I had an outstanding bill with XXXX. The bill was directly paid through XXXX. IC Systems reported a collection account on my credit attempting to collect the same debt through XXXX. When I spoke to a supervisor at IC Systems, I requested that the collection be removed from my credit because I did NOT pay IC Systems. Rather than IC Systems removing the collection account they sent me a receipt stating that I paid a balance in full of {$1200.00} to them. Which is false. I never agreed to paying IC Systems, i never paid IC Systems. The payment was with XXXX and ONLY XXXX. This has negatively impacted my credit by lowering it more than 30 points, which has also risked my purchase of a new home!!
Consumer complaint received 2019-07-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NY)

I have tried to close my account several times with Wells Fargo and have requested so in writing. The account has been overdrawn a few times due to reoccurring charges that I have no control over. They have told me that once I bring the account current that they will close. Well I have brought it current several times and they have refused to close until I request again, which I have done and they gave ignored my request all while hitting me with various fees for low balance, overdrawn accounts, and a monthly fee for an account I've asked them to close. 

They have consistently tried to gouge me for fees and that's why I've moved my banking elsewhere. They are trying to make me jump through so many hoops to close the account its absurd. I explained to them that I had moved my banking elsewhere and no longer lived near a WF so it wasn't easy for me to transfer money or go in branch. They have left me on hold for half an hour multiple times, transferred me to numerous people to waste my time and have ultimately ignored my several written request to close the account, all the while charging me fees for low balance, overdraft for reoccurring charges that I cant control, and for account maintenance that are all a result of me moving my banking elsewhere. 

This is the exact unscrupulous fee-generating activity that this bank has been accused of and have been found to have committed in the past. I won't allow myself to be a silent victim. Wells Fargo has been a nightmare to work with and I have never felt comfortable that my money was safe, that the bank had my best interest at heart, and that they could be trusted. It was the only major bank around when I first moved and I quickly learned that convenience isn't always the criteria that you should look for in a bank. 

I do have correspondence to prove everything I'm saying but like a company that values transparency, Wells Fargo doesn't allow you to download your secure message with them. My question is what are they trying to hide, other than the obvious?
Consumer complaint received 2019-07-18
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL (GA)

On XXXX/XXXX/2019, I made a cash withdraw from an ATM in XXXX, XXXX XXXX. The ATM dispensed cash in U.S. dollars in the requested amount of {$400.00}. The ATM advertised and charged a {$3.00} ATM fee. Synchrony refuned the {$3.00} as it fell under the $ XXXX monthly refund for ATM fees assessed. However, a 1 % or {$4.00} foreign transaction fee was also charged to my account on XXXX/XXXX/2019. I contacted Synchrony to inquire about this charge. Synchrony insisted they had not charged the fee and that the charge was coming from the other bank. I explained that the charge was not advertised on the ATM and I had not agreed to a foreign transaction fee thereby making the charge unauthorized. After some back and forth, Synchrony provided me with a Transaction Dispute Form on XXXX/XXXX/2019. I filled out the form, had it notarized by a licensed notary, and submitted the form to Synchrony on or around XXXX/XXXX/2019. As of XX/XX/XXXX19 ( 1 month later ), Synchrony has not processed my dispute or refunded the unauthorized foreign transaction fee amount of {$4.00}. As previously stated, the {$4.00} charge is not authorized. As it was not authorized, it qualifies as a fraudulent charge. Therefore, Synchrony must refund the {$4.00}. As Synchrony has not properly addressed this issue, I am failing a complaining with the CFPB to push Synchrony to address this issue. I also submitting this complaint to create a formal record of the issue and Synchrony 's inability or refusal to act on its customer 's behalf.