davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

I sent {$800.00} to Select Portfolio Services Inc. to pay my mortgage. I did that using using XXXX XXXX online bill pay. Select Portfolio Services claims they never received the money which was electronically processed by XXXX XXXX on XX/XX/year>. Ive contacted XXXX XXXX and they provided me with a trace number which they said is proof the Select Portfolio Services received the {$800.00} on XX/XX/XXXX. Ive contacted Select Portfolio Services numerous times and provided them with a bank statement and a trace number using an email address they said to use. Every time I call them I get the run around. At first they said it would take them XXXX business days to research it. Then I followed up and was told it could take up to XXXX  months to review it. On my most recent phone call they asked me to fax a bank statement to the company cashiering dept. which I did. Ive tried many times to explain to them that the trace number I provided to them is proof that they received the {$800.00} payment but almost 4 months later they still have not applied that to my mortgage balance.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My wife and I have been working towards purchasing a home in XXXX, California. To cover the closing costs, which include the deposit and down payment, we both withdrew funds from our shared XXXX account. We proceeded to deposit our respective XXXX checks at a Bank of America branch. 

While my wife 's check was cleared immediately, mine was placed on a 7-day hold. Bank of America provided no explanation for this hold. Given that my wife is white and I am XXXX, we can't help but suspect that this discrepancy may have been XXXX XXXX. 

This unexpected 7-day hold has put our home purchase at risk, as we XXXX not be able to close on time. Bank of America has only referred to this as a 'confidential hold ', offering us no options to escalate the issue or meet with someone who could expedite the verification of funds. 

The check in question was from XXXX, a company with over a XXXX dollars in holdings, and we had sufficient funds in our checking account to cover the deposit. Considering we received no explanation, and that my wife and I deposited checks simultaneously for the same amount, it's difficult not to conclude that XXXXXXXX XXXX may have played a part in the decision to place my deposit on hold, while hers was not.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

XXXX. I went to business/wellsfargo making a deposit on XXXX $ with a cashiers Check of {$900.00}. The monetary amount was stolen.i requested every bill that if XXXX and XXXX to tb returned and the tell be counted. When they decided to close my account and have disconnect the pin pad.
Consumer complaint received 2024-01-31
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Beginning XX/XX/year> I applied for a home equity line with Bank of America. 
Sent all pertinent documents. 
On XXXX XXXX I received an appraisal for my home for {$470.00}. 
On. XX/XX/XXXX I received a letter stating sorry we can not approve your home equity line. 
I have a Bank of America credit card with a {$23000.00} credit limit I have been a customer with Bank of America for 18 years. 
I called the bank requesting an explanation for refusal of credit and was toldI would have to have assets in the amount of {$1.00} XXXX. 
If I would have XXXX XXXX  in assets I would not need a home equity line. 
I am XXXX years old, pay my bills on time, have excellent credit. 
This is insulting.
Consumer complaint received 2024-01-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: AMERISAVE MORTGAGE CORPORATION (FL)

On XX/XX/XXXX, I spoke with XXXX and she inquired about my situation and asked which option would I like to take care of the 3 months. I opt 'd for the 3 months to be placed at the end of the loan. XXXX stated she would send me the documentation and I needed to provide it within 30 days. It has been 2 weeks and I have not received any documentation. On XX/XX/XXXX - I contacted my lenders loss mitigation department and spoke to XXXX. She informed me that I would not be receiving such documentation until after the forbearance expired. I explained to her per section 9 of the agreement that would make me ineligible for any loss mitigation options if the agreement expires. Additionally - that would cause a negative reporting on my credit afterwards. The representative stated that is their process and when I advised that would mean they are breaching their own contract and jeopardized my credit. She stated I can attempt to request for it to corrected after the fact. I asked for a supervisor and she told me one was not available and to email them. I am concerned because the lender has numerous negative reviews on deceptive practices. I have adhered to and complied with the terms of the forbearance and the lender should as well. That includes them providing me with the required paperwork and processing it in a timely manner. Not waiting until after my agreement expires to then demand total balance due and effecting my credit report. I informed all representatives I spoke with this month that I WOULD BE resuming my payments on XX/XX/XXXX.
Consumer complaint received 2024-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLAZA HOME MORTGAGE, INC. (PA)

I requested a re-cast of my mortgage from Plaza Home Mortgage in order to lower the monthly payments. I sent an additional XXXX beginning of XXXX and was told if received by XX/XX/XXXX the new monthly payment would begin with the XXXX payment. It did not. I have called numerous times to find out delay and was initially told they were waiting for the deed from the title company. I secured the deed for them and uploaded to them on their website. End of XXXX, still no news. Each time I call the agent puts me on hold to talk to the " back office ''. My last call was XX/XX/XXXX. I was assured the new statement being mailed would now reflect my new monthly payment and the overpayment from XXXX would be applied to my principal. Today, XX/XX/XXXX, my new statement arrived with no change in monthly payment. This is not acceptable. I can not even get them to commit to the new payment amount over the phone.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit on a open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo unfairly prevented me from making modifications to my mortgage loan in order to avoid foreclosure. My check for {$200.00}, received in XXXX of 2023 is not nearly adequate compensation.
Consumer complaint received 2024-05-20
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

On Monday, XX/XX/XXXX I received a {$250.00} XXXXXX/XX/XXXX from the management office in the XXXX XXXX XXXX in XXXXXX/XX/XXXX I had won the gift card in their recent social media giveaway. The card was activated on site. 

On Thursday. XX/XX/XXXX I attempted to use the gift card on XXXX to purchase some items. My total did not go over the amount of the card ( {$250.00} ). The order was declined and I received an error message saying there was a problem authorizing the purchase. I tried once more, with the same result. 

I logged onto the website listed on the back on the card to confirm the balance. I saw that for each time I tried to complete my XXXX order, XXXX cents had been taken off the card. So now my balance is {$240.00}. 

I saw a message saying that if I was having trouble using the card online, I should try to to register it with my name and zip code. I tried to do that with no success. I got an error message that said I had to register by phone. I called the number given and was connected to American Express. I explained the situation to the representative who told me that her department only registered cards that were issued before XXXX. She transferred me to another department. I explained the situation to this second representative, who informed me that my card did not need to be registered, and that there was no way for her to register it anyway. She did not offer any alternative solutions to help me use the gift card.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Card Receivables Fund Incorporated (LA)

XXXX XXXX sold this account to XXXX. I signed a contract with unified to delete this account. XXXX XXXX no longer have this account and still verifying this account.
Consumer complaint received 2023-01-04
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: EQUIFAX, INC. (NE)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 2024-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

I have made numerous attempts contacting Nelnet to get my problems resolved since XXXX of XXXX. I applied to IDR in XX/XX/XXXX when I graduated from XXXX  school. At that time my loans were accepted for IDR. Only some loans were actually put on IDR while the others were placed on Standard Repayment. I have filed all my paperwork correctly and attached all relevant documents to support this. 

Nelnet has not resolved my issues after multiple attempts. I refuse to fill out another application - I completed my application about 3 years ago and my repayment plan should have been correct at that time. 

I have tried filing a complain with Federal Student Aid and I have not had any reply or resolution. 

All of my loans should have been on IDR since XXXX and transferred to save. I want all of my interest forgiven that has accrued since XX/XX/XXXX. My monthly bill for my current loans that are on XXXX is {$0.00} per month and that is what I should have been paying since XXXX. Instead I have also been paying my bills for the loans that are on standard repayment. The way that this company is handling my loans is unacceptable and I want this problem solved.
Consumer complaint received 2024-01-30
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IN)

I attempted to use the prepaid " Active '' {$100.00} filled gift card online at XXXX for a purchase and was declined. I attempted to purchase an XXXX gift card next, instead of a 3rd party and was also declined. I was given a gift card that cost {$100.00} real XXXX  currency, but am unable to spend it as legitimate currency.
Consumer complaint received 2024-05-20
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: TD BANK US HOLDING COMPANY (LA)

Ive noticed unverified and unauthorized hard inquiries to my credit report. Please remove the inquires. Theyre XXXX hard inquiries which include XXXX XXXX via dealer, TD AUTO Finance, XXXX XXXX XXXX which were all authorized on XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (UT)

so I went to there arbration process through there arbitrator and I signed the papers and they signed the papers to keep my account open. then this month they broke the terms of the agreement and closed my account for no reason I had to talk to 3 different managers to get my account back open and I altered the arbitration lawyer they broke the rules and closed my account and no one in there company would tell me why I wanted them to hold accountable who ever closed my account this was illegal and went beyond the terms of our agreement. Also they turned off my cash limit and no one in the company will give me a straight answer as to why and what is going on. I am very very upset and I want my cash limit back on and we need to make sure they do not close my account in the future when they had a legal agreement to keep it on. This is not acceptable whatsoever and then need to hold that person accountable for turning my account off.
Consumer complaint received 2024-01-30
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (NE)

On XXXX, I entered into an agreement with XXXX XXXX XXXX to help me with debt consolidation for some of my credit cards. The first payment was made to them on XXXX for {$100.00} via automatic withdrawal from my bank account to Global Holdings LLC. Every 2 weeks thereafter, I paid {$93.00} until XXXX when my income dropped substantially, and I changed the withdrawal amount to {$50.00}. In XXXX, I had suspended the automatic withdrawal as I had medical expenses to take care of. I resumed the automatic withdrawal on XXXX for the amount of {$70.00}. I made 3 payments every 2 weeks and on XXXX I lost my job and had to suspend the payments again. I had to keep calling them to continue to suspend the payments due to lack of any income. 
On XXXX, I called to ask them about my accounts, how much I had paid in, and how much had been paid to my creditors. I was told that I had paid in a total of {$1000.00} and of that they had only paid XXXX XXXX {$50.00} and XXXX {$35.00}. The rest was in fees. I requested to speak to a manager and closed my account. The next day, I called and requested all of the information on my account, such as correspondence with my creditors and what they had been doing with all the rest of my money. Totaling {$990.00}. They refused to give me that. The following day XXXX, a manager named XXXX called me and tried to talk to me and wanted to explain things. I told him there was nothing to talk about and hung up. Later that day, I received an email from XXXX stating that due to the unfortunate circumstances they were going to refund me {$400.00} which he said was mailed on XXXX but I have yet to receive. That still does not explain what they did with the rest of the money totaling {$580.00}. They have mismanaged my money and I think they owe me more than {$400.00} after all of that time and only paying my creditors {$85.00}. They did in the past email on occasion to say that they were working with my other creditors, but I have seen no proof of that other than them saying so. I am asking for some help trying to resolve this matter please. Thank you for your time and consideration on this matter. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

My checking account was debited XXXX for XXXX on XXXX XXXX. I notified USAA immediately that a XXXX unauthorized debit was paid from my account to an unknown person and that I use XXXX not XXXX if I want to transfer money. I explained that I have been in XXXX since XX/XX/year>. I filed a dispute and explained this was a fraudulent transaction. I was never contacted during the investigation. No one ever asked for any information from me. The dispute was closed and the provisional credit was reversed. This resulted in an overdraft for a widow and retired teacher on a fixed income. There was no thorough investigation done as I have no idea who this {$1000.00}. went to.
Consumer complaint received 2024-01-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

I was scammed during Covid shut downs ... .I was current they offered forbearance and promised on tape when jobs were reinstated they would redo loan and start from there. They kept asking for the same pay stubs and info over and over until they forEclosed behind my back THIS WAS A ONCE IN A LIFETIME PANDEMIC AND GOVERNMENT HAS NO PLAN TO HELP KEEP OUR HOME WE HAVE BEEN IN FOR 20 YEARS. ALLOWING THESE XXXX STEAL PEOPLES LIFE TIME OF WORK AND SWEAT SPS IS A UNDERHANDED COMPANY AND I NEED HELP I QUALIFIED FOR OHIO SAVE THE DREAM BUT THEY BOTH JUST DRAG FEET SO THE AMOUNT IS CRAZY NOW I NEED THE COMPANY TO TAKE THE BALANCE OF THE AMOUNT DUE MINUS THE XXXX XXXX AND TIE THE BALANCE INTO THE LOAN ITS A WIN FOR EVERYONE PLEASE HELP
Consumer complaint received 2024-05-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bastion Consumer Funding I, LLC (TX)

I am filing this complaint against XXXX XXXX XXXX ( XXXX ) for a collection that has been wrongfully placed on my consumer report. The collection agency has violated multiple consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The specific violations are outlined below : XXXX. Failure to Provide Notice of Debt : * Under FDCPA Section 809 ( a ) ( 15 U.S.C. 1692g ( a ) ), a collection agency must send the consumer a written notice of the debt within XXXX days of the initial communication. The notice must include the amount of the debt, the name of the creditor, and a statement of the consumers rights. The collection agency has failed to send me this notice. If proof of notification is to be provided, it must include a copy of the certified mail with a receipt bearing my signature as validation of the notification. 
* XXXX. Lack of Validation Information : * Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency is required to provide validation information for any debt they are attempting to collect. Despite my requests, the agency has failed to provide the necessary validation information, yet they have placed the collection on my consumer report. 
XXXX. Denial of Dispute Rights : * According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers must be given the opportunity to dispute the account. The collection agency has not provided me with a chance to dispute the debt, thereby denying me my rights under this regulation. 
XXXX. False and Misleading Representation : * The collection agency is using false, misleading, and deceptive means to collect the debt, which is a direct violation of the FDCPA. This includes misrepresenting the amount, status, and legal liability of the debt. 
XXXX. Failure to Provide Required Disclosures : * The collection agency is in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) by furnishing information to consumer reporting agencies without providing any and all disclosures required by law. 

Relevant Legal Precedents : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This case underscores the obligation of furnishers to report accurate information and the consequences of failing to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This case highlights the duty of credit reporting agencies to reinvestigate and ensure the accuracy of reported information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This case focuses on the standards for reasonable investigation under the FCRA.
Consumer complaint received 2024-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klima, Peters & Daly, P.A. (MD)

I already reach out to the credit company that this account was supposed to be made for my identity has been stolen and disputed among multiple accounts due to identity theft I told the company this account was opened fraudulent and I have no access to this account information
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

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.

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 informationisinaccurate.