davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I received counterfeit items from various XXXX purchases from the same seller. I talked to XXXX numerous times and got various stories. Finally XXXX acknowledged the seller was a fraud and was selling counterfeit items. They told me all along to be patient and then they will tell me what to do with the items to get my refund. Now that the seller has been banned from listing items, I got the bait and switch ; they are not refunding me. Instead they are coming up with excuses to my credit card on why not to refund me. I have contacted Bank of America and faxed various documents proving the notary listed on my items was a fraudulent, non-existent person by calling the state and through online notary verification process open to the public. They now want a 2nd opinion letter and I had to pay for that as well, which shouldnt even matter since XXXX has already taken action against the seller.
Consumer complaint received 2024-08-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Holding Company, Inc. (PA)

Every month, Avant returns my payment for insufficient funds. Ive received documentation from my bank that this is not accurate as theyve never attempted payments and if they had, I have a balance that would allow the payment to process. I attempted several payments online by card and they were not processed. I called to make the payment by debit card using several methods and they were unable to take the payment. I called today to ask for a deferment til I can gather the funds to send them a check to pay them in full, they advised they can not do that. I told the representative that the returned payments need to be disputed because they shouldnt have been returned and she called me a liar, saying that the payments were valid. I asked for a contact to send a letter from my bank stating that this is false and they refused to give me a direct contact, just saying I could send it to customer service. Ive sent emails and documentation now for weeks and they go unanswered. Im being charged fees and I can do nothing to change this.
Consumer complaint received 2016-09-13
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AES/PHEAA (CA)

An individual identifing herself as XXXX XXXX from National Collegiate Trust called my husband, XXXX XXXX, telling him they were calling to collect on a debt in the amount of XXXX from the XX/XX/XXXX-XX/XX/XXXX school year. She told him AES ( American Education Services ) made a significant payment XX/XX/XXXX, but the debt was not paid off in full. 

She then asked him to verify the billing address and told him because he was my spouse she could provide him with this additional information. XXXX is not a co-signer on this loan and the notes are currently held by XXXX ( formally XXXX XXXX ).
Consumer complaint received 2024-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NV)

XXXX XXXXXXXX XXXX XXXX XXXXXXXX sent us to Transworld System INC for {$440.00} for collection. We do not have any account with XXXX XXXX XXXX  XXXX XXXX. We requested to email us a copy of the original application from XXXX XXXX XXXX  XXXX XXXX that the person who may have used my identity to get service or whatever they provide. They denied my request. My SS # did not matched what they have on file neither my email. 

**The credit reporting agency did not contact us. We had to contact them ( Transworld System INC ) to find out why they were on the credit reporting file.
Consumer complaint received 2024-08-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (NH)

We have been engaged in a lenghty process with First National Bank related to the sale of our home. FNB is working with the buyers to facilitate our assumable loan, but has demonstrated glaring incompetance, disregard for objectively reasonable timeliness, and a noteable refusal to communicate with us and our agent. The result has been a significantly delayed closing that results in the residence currently being unoccupied ( I am a XXXX, XXXX employee and was required to transfer to my new location by XX/XX/year> ), double insurance payments, our inability to render the planned down payment for our current home, and significant distress and XXXX. We have been horribly mistreated as customers, with numerous communications and attempts to receive timely updates being ignored or rebuffed by multiple bank officials, and the conflicting guidance and information provided to us and the buyers has caused both financial and personal damages. The lender has recently admitted they are wholly inexperienced in transferring assumeable loans
Consumer complaint received 2024-08-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (MO)

I purchased a house in XXXX as a single woman. My mortgage was sold to Shellpoint Mortgage. I had set up payments. When I called in XXXX, I was told the payment was still pending. I called again a few days later and they said I had received an email about the payment not clearing. Long story short, they were emailing my EX-HUSBAND who had never been on this loan. They used the information from a previous NewRez-Shellpoint account ( marital account ) and dumped it into my private account. They lied and said the information came from XXXX XXXX. My ex has never had an account with XXXX. 

It is too late to help me, but Shellpoint should not be able to take contact information from an old account and move it to another account. They shared my information with my ex-husband and XXXX furious. The transition to them has been awful with setting up payments, correct contact information, and understanding how to correct the problems. 

If they ever mix up my old marital account and my new account again, I will hire a lawyer. Im hoping you all can help them figure out how to run their business before that happens. 

XXXX XXXX XXXX XXXX is old account )
Consumer complaint received 2019-04-25
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. (GA)

XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7, 8 and 9 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2024-08-25
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC (TX)

Around XX/XX/year> I asked for XXXX, title maxes system was down. They turned around and sent me to a different location the next day and stated that store would be a better fit since they can only offer me XXXX. The other location was a bigger store off north central expressway, I went in there and spoke with a XXXX young lady. I asked her a couple of questions but she was unable to answer these questions, she kept asking her manager for the most part of it. If I had a question while I was trying to read the contract she kept reading faster. I then asked for her to print out the contract so I can read it myself, she denied me that and said she can not do that there and stated it would be uploaded on my portal within 72 hours because it is almost the weekend. I stated I needed to read my contract before I leave the store, she told me she will explain it verbally in estimates on what my payments will be. She printed out XXXX cover sheet of my first payment, I told her I do not feel comfortable taking any money without knowing the contract. She stated she already put the money on my debit card and I told her to take the money back because the contract was not explained to me properly. She kept going back to the supervisor speaking XXXX when I do not understand that language. She denied taking the money off the card and denied printing my contract. She then made a remark that " I thought you rent was due '' well I still have time so again I did not feel comfortable taking this money without knowing anything about the contract. She then stated I need to pay the interest of XXXX making my total XXXX when I have not left the vicinity yet, she stated this was interest and fees. I asked where is this stated she said in my contract I then asked to see my contract and I again was denied seeing my contract! The main supervisor then stated the printer does not work, XXXX months later I still do not have my contract. They violated breach of peace by breaking into my garage and repossessing my vehicle, there is a sign stating no trespassing, this is a private garage. Then XXXX XXXX altered my signature on the contract and thats why they didnt provide a copy to me the day of the loan.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Again, this XXXX XXXX  again forgot to report correct amount in my credit profile, thank you CFPB for not pushing them for this violation, this is shows me again that nobody is following the Low of this country, I said before and will say again, all this reports and complaints Im saving for future lawsuit to this company, I thought that everyone must follow the Law how its says in the Constitution but I was wrong, anyone can violate the law and nobody will hold them accountable. Thank you
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (TX)

My information was disclosed to a third party without my permissible purpose and my name is copyrighted ( XXXX number XXXX )! As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( XXXX ) that I, ( XXXX XXXX ), XXXX have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information. 


***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I deposited a check into my business account at Wells Fargo in XXXX Texas on XXXX XXXXXX/XX/XXXX, at XXXX pm. I asked the teller twice how long the hold would be on the check. The teller, XXXX, said she did not know, but the information would be printed on the receipt. The receipt ( transaction # XXXX XXXX ) stated that {$400.00} was available immediately and the remaining " {$28000.00} will be available on XXXX  XX/XX/XXXX ''. When I checked the bank on XXXX  XXXX - the deposit was in the available balance as promised. However, at about XXXX XXXX  I noticed that my debit card was acting strangely. It was not until around XXXX XXXX  that I received a message from XXXX concerning my debit card. At first, I thought it was a scam call - but after speaking with the gentleman- he offered to transfer me to Wells Fargo. I spoke with " XXXX '' ( he would not provide his full name ) in XXXX, Arizona. He informed me that I was some {$10000.00} overdrawn. After getting nowhere trying to figure out what was going on - " XXXX XXXX' transferred me to " XXXX '' - I was told that the bank had put a hold on the money after the fact. I was surprised since I had not been notified. XXXX explained that I would either get a message in my inbox on the Wells Fargo Website or a snail mail letter that would arrive in several days. How am I to make an informed decision when I receive the explanation days to weeks later? I finally did receive a message on the Wells Fargo Website- it was received on XXXX, XXXX, XXXX, XXXX - it had the reason for the hold that " The Deposited Check Exceeded {$5500.00} ''. If this is the case, why did the receipt ( a legal document ) not reflect this information? I can not call anyone other than the local branch bank, since I am a consumer with a business account and they do not talk to consumers - only branch bank personnel. And, Finally to add insult to injury - the hold as extended by a week- which only appeared to happen after I began to complain about the unfairness of their invisible rules.
Consumer complaint received 2024-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (TX)

My home loan from XXXX XXXX XXXXXXXX was transferred in XX/XX/XXXX to NewRez, LLC DBA Shellpoint Mortgage Servicing. I called them on XX/XX/XXXX as I had recently made a large payment and wanted to recast the mortgage as well as remove the XXXX from my monthly payments. The person on the other end of the line did not want to answer any of my questions about the process, was very short and rude with me, and at multiple times tried to end the conversation. I managed to get my questions through and she said there was a fee I had to pay for the recast as well as make an additional down payment ( {$5000.00} minimum ). I gave her my information and she assured me that she would submit the recast but that it would take up to XXXX  days ( she also told me to submit the XXXX request online, we'll return to that later ). So on XX/XX/XXXX I called back and found out that the recast had not been submitted correctly, and that my payment and fees had not been applied to the recast at all! I spoke with XXXX, who similarly was very rude and short with me. I then transferred to the supervisor XXXX XXXX who had a better demeanor and was willing to resubmit the recast but nothing more. On XX/XX/XXXX I called again and spoke with XXXX XXXX who was courteous, but confirmed that the XXXX removal had never been submitted at all. ( Except I have an email from the company saying I had successfully submitted it online! ) He said that the recast had been submitted correctly on the XXXX, but that it would now take up to XXXX days to complete. He apologized for what had happened, and I guess that is XXXX small thing, but I also get a different answer every time I call and that is very disconcerting. To sum it up, I am still astounded by the errors that have been admitted to by this company. Their incompetence has cause me and my family to go through weeks of stress and financial hardship.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-08-26
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: NCB Management Services Inc. (FL)

I have contacted the collection agency XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX about a collection on my credit reports, I also disputed the collections with the credit bureaus. The Debt is for {$2800.00} the issue is this debt was included in my XXXX bankruptcy which was discharged in XXXX of XXXX, They collection company has all the information and has verified the information with me but still has not reported correctly to the credit Bureaus.
Consumer complaint received 2024-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

Mohela transitioned my account to their new platform in XXXX. When doing this, they did not transfer over my payments totaling about $ XXXX. This resulted in an increased loan balance back to the original amount, a hit to my credit score, and interest added to my balance as if I hadn't been making my payments. After calling, they said to wait XXXX days and that they could see my payments on their old system. After further communication, they tell me to wait. It's been well past XXXX days and nothing has been resolved.
Consumer complaint received 2024-08-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (TX)

I make weekly payment to my bridgecrest auto loan, XXXX from my XXXX XXXX and XXXX from my XXXX  XXXX checking using bill pay. As you can see from the screens shots the payments alway are processed on the same day because they are set to arrive on the same day as an achievement. Bridgecrest is now attempting to charge additional interest by slow processing my payments this week. They have had other system issues where tgat lost my payment for a week and I belive they didn't deduct it from monthly balance due. I've included screen shots
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Accscient, LLC (CA)

I was working at XXXXXXXX XXXX XXXX  and went on a company business trip to XXXX Georgia. I was a required to take a covid test and visited the XXXX XXXX XXXXXXXX XXXX XXXXXXXX in XXXX Georgia. XXXX XXXX XXXXXXXX XXXX XXXXXXXX was suppose to charge my company for the bill but shortly after this I was no longer with the company. XXXX XXXX XXXXXXXX XXXX  charged me instead and I have no messages from them regarding this bill and then they sent it to collections this year. I had no idea this happened until I recently checked my credit report. This is not right that they did this to me when 1. They were suppose to charge my company for the bill and 2. no once have they told me there was a bill due prior to my bill getting sent to collections.
Consumer complaint received 2024-08-07
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Marauder Corporation (TX)

XX/XX/24 : I called and explained my last name is XXXX. They called me a liar. Told me they dont have to give information to original creditor. Also, told me they have me on camera. Which is a lie. Furthermore, a lady stated she was a manager. Told me to XXXX the number myself. Said the previous lady I spoke to XXXX minutes prior only told me she saw me on camera because she didnt know any better.
Consumer complaint received 2024-08-28
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NJ)

They have reopened the account under many new numbers and I have been disputed it since. The documents they provided show the account that was closed under the Fair Credit Act. All merchandise was returned or NOT received. There is a credit on original account. 
I have disputed with the same information over and over and they never submit any documentation.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (ND)

As I have stated in the last several complaints on Sofi denying transactions I was a victim of a scam and fraudulent money transfers to people I do not know nor even did. I never gave anyone my login details and if they looked at the IP address device details and location they would see it wasnt me. They say I have not provided proof of the scam which I have twice already and have the emails to prove it and as for the fraudulent money transfers I want proof to what the account number is it was sent to since I have no information on this. Maybe Sofi doesnt comprehend that now these days phones can be cloned and the owner of the original wouldnt even know and the cloned phone is identical with all information and have text messages forwarded to them and not the original phone. I was getting random codes when I wasnt even near my phone but just erased them cause I didnt request it. I am a victim of a scam and fraud I have reported these transactions to IC3.gov which works with the FBI I gave them all the information I have on these scammers. All I want is whats mine back from these scammers and these people that fraudulently sent the unauthorized fraudulent money transfers which is in the Electronic money transfer act but Sofi just ignores the fact that theres laws rules and regulations in place for them to fallow
Consumer complaint received 2024-09-02
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Received letter from Capital One Auto Finance XXXX XXXX XXXX XXXX TX XXXX Address to myself and a XXXX XXXX requesting a credit check by XXXX XXXX XXXX XXXX, this company sent an application on my behalf applying for my Credit report. the Reference # XXXX. 

XXXX. Please inform Capital One Auto Finance that I am not seeking a auto loan. 
XXXX. Please inform XXXX XXXX XXXX XXXX that I an not seeking to purchase a vehicle 3. Please inform XXXX of XXXX TX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ph # XXXX XXXX XXXX Consumer Solution XXXX PA XXXX XXXX  # XXXX Thank I did not request any credit check so please continue to disregard and such request. And thank for their vigilance XXXX XXXX