davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (LA)

Credit Accepted is still reporting to my credit that Im XXXX days late. The account is actively closed and has been closed since 2018 it's been over 7 years and it's affecting me by getting other loans and making my interest high. I have arranged payment options with credit accepted they refuse to settle with me only for the full amount. I can't afford to pay the full amount. I have had hardship.
Consumer complaint received 2022-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Or or about XX/XX/2021, I was alerted by Bank of America that it flagged several charges as potentially fraudulent. I immediately responded that the flagged charges were indeed fraudulent. The charges in dispure are : XX/XX/2021 {$10.00} XXXX  XXXX XXXX XXXX CA XX/XX/2021 {$100.00} XXXX  XXXX XXXX XXXX CA XX/XX/2021 {$21.00} XXXX  XXXX XXXX XXXX CA XX/XX/2021 {$88.00} XXXX XXXX XXXX CA Bank of America refused to reverse the charges. 

I have written to Bank of America on three occassions advising that neither I nor anyone authorized by me used my credit card in XXXX CA on or about XX/XX/2021. Indeed I was in XXXX, ID on that date. 

I have filed a police report with XXXX XXXX Sheriff Department. 

Notwithstanding my assertion that the charges are fraudulent, Bank of America ( by form letter ) replies : " we confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. 

Bank of America in in error.The charges in question were not incurred by me or anyone authorized by me. Demand is hereby made that Bank of America reverse the charges.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bay Area Receivables, Inc (MD)

Bay Area Receivables is reporting false information to credit bureaus regarding a bill. XXXX seperate accounts XXXX balance is {$2500.00} and the other balance is XXXX. I have tried to resolve the issue but Bay Area Receivables area refuses to acknowledge those bills are not in my name. XXXX XXXX XXXX XXXX requires that the information is accurate.
Consumer complaint received 2019-12-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AUTOMOTIVE CREDIT CORPORATION (CA)

Top finance has caused much confusion and I personally feel have violated my rights. An old auto loan which they have failed to provide, a certified letter to me within 5 days that I could by back after repossession, a notice within 10 days that the vehicle was sold, and also the letter of how much the car was sold for and fees acquired were never sent to me within 30 days of the repossession. Since then the account was charged off and sent to collections but it was never fully sent to anyone so no one had this debt. I was advised by top finance to Contact XXXX XXXX XXXX  XXXX, and ACC, which has now aquired Top Financed. When I did I was advised I had no account. Now, I am being advised again by Top finance management and ACCXXXX XXXX XXXX  XXXX that I owe a debt that no one could verify and they did not have my account. This all has caused unnecessary stress and negatively affects my credit file. I have filed a complaint with the BBB requesting the proof that TOP financed notified me of the repossession and sale of the vehicle within my signature of the intent to buy back notice acknowledging I was aware of this sale. I have not received a response. XXXX XXXX the director of compliance also provided a letter with ACC which is Top Finance according to their website and phone calls that I owe no debt to their company.
Consumer complaint received 2023-01-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PulteGroup, Inc. (NV)

Good afternoon To whom it may concern, As a proud XXXX veteran that served the country and a man of integrity that now serves the community working for XXXX. Im reaching out in need of some assistance with a matter involving Pulte XXXX in XXXX XXXX, NV, and my earnest money in the amount of {$19000.00} given as a deposit for the purchase of a new home for my growing family consisting of my spouse, three boys and baby on the way. On XX/XX/XXXX a contract was signed with Pulte Homes to buy a new house using the VA loan but also contingent on me selling my current VA residence to utilize the proceeds as down payment. With the unforeseen events occurring in the entire country and the rise of interest rates I have seen myself forced to reduce the sale price of my home three times for a total amounting to - {$50000.00} and had lots of showings of the property but no solid offers. The mentioned contract that was contingent on the sale of my house to use the profit as a down payment also had a VA addendum that states if I can not obtain the VA financing, I have the option of a refund of all deposits and Pulte Homes will not honor the addendum. Instead, they have decided to keep my earnest money and create a certificate of credit for another three months after the expiration of the contract on XX/XX/2022. On several occasions I told them I wanted out of the contract because my home was not selling and to give them a chance to put the house on the market for other potential buyers, but because of their high inventory of houses not selling they continued to make new efforts to keep me and my money. I didnt want to break the contract forfeiting my hard earned {$19000.00} that was originally saved to help purchase a vehicle for my oldest son now XXXX. I sacrificed the savings that was destined to help purchase a vehicle for my son for a bigger purpose that will benefit the entire family and now kindly asking for some assistance in the recovery of those funds. Thank You.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (HI)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud.XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX , XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX , XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX , XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX , XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I purchased a car XXXX and was charged of showing a date of last activity of XX/XX/XXXX with XXXX. The loan was sold to XXXX and later sold to XXXX XXXX XXXX. In XXXX I noticed the account still showing on my credit report with XXXX with a date of last activity of XX/XX/XXXX and I disputed the account with XXXX XXXX XXXX after I noticed that it was still on my credit report after the seven 7 reporting statue. 

I would like for you to send me a printing of all the payments made to this account along with copies of the contract and proof of the date of last activity of XX/XX/XXXX if it was a payment or credit to the account. 

I have attached the two credit reports one showing the XXXX account and the other one showing it removed after I disputed it wtih XXXX XXXX collection.
Consumer complaint received 2021-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MI)

I called in on XXXX as instructed to schedule my Auto draft for XXXX payment as my forbarence was ending on XXXX. The rep at Shellpoint mortgage refused to except my conforming payment for the XXXX month as it needed 30 days to start the auto draft and instructed me to make the XXXX payment online. I did. I recieved a form letter confirming my payment was made and auto draft was in place with the wording If you wish to cancel THIS AUTOMATIC DRAFT SERVICE This confirmed my, based on the English language, that there was an auto draft payment plan in place. The XXXX payment wasnt drafted and when I returned to my primary residence on XXXX, I opened a delinquent letter for both of my mortgages that I have with Shellpoint, this calling immediately to make my payment for XXXX and XXXX and also being instructed now to set up auto payment online as they do not have the ability to do so for me. They would not remove the lates on record, but removed the late fees without asking as they said the letter was misleading. I also called in XXXX to verify the auto payment was set up. Additionally, I asked the rep to sign me up for email statements as I was having my mail forwarded to my up north residence and was not getting my mail. Documented with the post office. They took down my email and said no problem. What they did was take down the wrong email address. I never received a XXXX or XXXX statement that would have should me the XXXX bill was due on both mortgages. When I verified my email, I found out they wrote the number 4 instead of for on my email address of XXXX. They said they corrected it. I called back on XX/XX/XXXX to verify as I still have not received a statement and they said they recorded it wrong again, this time with a four and again said they corrected it. I called back and they finally said it was correct, however they do not email statements, that electronic statements only means that you ca go online to their website and view your statement, however a notice not statement will not be sent when the new statement is ready. News to me. Also, they said the text msg alert that I set up doesnt alert me of a late payment. I feel they made my transition from Covid cares forbearance to making my payments very confusing, to the point that a responsible effort would be difficult to understand their process. I have never been late on anything is close to 30 years of credit history. This is very damaging and a manager will not even speak to me. I have filed 2 complaints, they have not responded with any mail nor email regarding my outcome. They said it was online and I can find the answer in the portal. This is inconsistent with federal requirements regarding refusal to accept payment with an error complaint of a mortgage serviced.
Consumer complaint received 2019-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (OH)

I became a Discover It Chrome card member XX/XX/XXXX. I paid my balance in full every month with no late payments. I was approved for a Discover Miles credit card XX/XX/XXXX and the card was mailed to me. I was informed on XX/XX/XXXX that I was required to complete a tax transcript request form 4506-T and that both of my accounts would be frozen pending account review. I completed the 4506-T form XX/XX/XXXX via XXXX as requested. I closed my Chrome account because I became irritated that my account was frozen after a year of on-time payments made in full. I was informed on XX/XX/XXXX that my new Discover Miles card was closed due to a business decision after review of my income. I believe that Discover has violated the Equal Credit Opportunity Act because I have been discriminated against based on my marital status. When I completed my application, I was told to include all of my household income, which includes the income of my domestic partner. Discover 's website states, " Credit card issuers will ask you to supply your total gross annual income, which helps them decide if you qualify for a line of credit, and for how much. Current regulations allow you to include your total household income, so long as you have a reasonable expectation of having access to it to repay a loan. This is designed to make it easier for non-working spouses or domestic partners to qualify for credit cards. '' I included my own income of {$47000.00} annually and my domestic partner 's income of {$41000.00} for a total income of {$88000.00}. Discover did not give me an opportunity to prove my domestic partner 's income when evaluating my tax transcripts for income verification which discriminates against me based on my marital status. I contacted Discover customer service and was informed that they would not accept my domestic partner 's tax returns to prove my total household income.
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/XXXX I made a purchase with my Apple Card from a company called XXXX in the amount of {$39.00}. A few days later I noticed three separate charges in the amount of {$5100.00} each had posted to my account with a name of XXXX XXXX. I immediately started a chat with Apple to dispute these charges as I did not recognize the name XXXX and also most certainly did not make any transactions in the amount of {$5100.00}. After the chat they took the charges off, stating that it would take up to 90 days for the dispute to resolve. Then, On XX/XX/XXXX the three seperate charges for {$5100.00} were then charged back to my card. So again, I immediately started a chat with Apple to dispute these charges again. But this time, they said that the merchant sent them 'proof ' that I made these transactions. They also provided me with an address and phone number, and suggested I call the merchant myself. That sounded absurd to me to call someone who fraudulently charged my card... isn't this the investigation team 's job at Goldman Sachs?! Apple said they would email me the 'proof ' ( which they still have not done ), and would put this under investigation for another 90 days. But now, I am unable to use {$15000.00} on my credit limit because it's frozen due to this dispute. I am unable to speak with the dispute department, nor able to speak to any sort of supervisor or manager. I was told that XXXX XXXX does not speak to consumers directly, nor does the people that do the actual investigation. 

After I got off the phone with Apple on XX/XX/XXXX, I did some XXXX on with the information they provided to me on the merchant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I found out that it was XXXX. I immediately called in, and was instructed to start a chat and provide my proof of purchase with XXXX in the amount of {$39.00} back on XX/XX/XXXX to Apple. Which I did by providing a screenshot of my purchase. To this date ( XX/XX/XXXX ) I still have not heard back from Apple, nor received the alleged proof that they received from the merchant. 

Since then, I have made 5 calls to XXXX, and sent 3 email messages to multiple people in their company, and nobody has returned a call or any message. I have no idea what to do from here.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2021-12-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (PA)

I sent Santander a Conditional Acceptance For Value letter on XX/XX/21 they received it priority express by XX/XX/21. per the notarized letter they were to respond via affidavit within 3 days plus 2 days grace, it has been 8 days, they have defaulted with no update or correction to my consumer report. As a consumer the alleged debt should have been removed entirely during the process of validation pursuant to 15 U.S. Code 1681i - ( a ) ( 1a ) Procedure in case of disputed accuracy. They did not validate the debt within given time frame nor update that it was in dispute. The investigation has concluded please delete this erroneous account from my report immediately.
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I never applied for a credit card account with Bank of America. 

I received a letter from Bank of America ( BoA ), dated XXXX XX/XX/XXXX, indicating they detected suspicious activity on my credit card and they were temporarily suspending my account. The letter also stated they would close my account if they did not hear from me within 25 days. On XXXX XX/XX/XXXX I received another letter from BoA, dated XXXX XX/XX/XXXX, stating I've " been approved for your BoA credit card account ''. That I would receive a " card '' within 2 weeks for a credit line of {$20000.00} and a credit line of {$6000.00}. 

I have tried to contact BoA many times but can not speak to anyone unless I have an account or give them my SS number. I do not have an account number and will not give them my SS #. I also filed a dispute with XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX when my credit report showed an open BoA credit card account. XXXX removed the account. The dispute with XXXX is still in progress.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I dispute all of the following debt In accordance with the fair Credit Reporting act Account number XXXX XXXX XXXX XXXX was added I was not notified of this unknown debt has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2021-11-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

Here is a copy and paste of the email that I sent to Wells Fargo Bank on XX/XX/XXXX ; Personal information deleted. 



I was handling my mother 's financial affairs when we recieved a notice from Wells Fargo Bank dated XX/XX/XXXX that if we didn't contact WFB by XX/XX/XXXX, the funds would be turned over to the Sate of California Unclaimed Property. I contacted WFB by phone weeks before the deadline and talked to XXXX XXXX. He told me that the funds had already been turned over to the State of California. Due to the shut down due to the Covid 19 pandemic, I was not able to reach anyone at State, Unclaimed property department for several months. When I was finally able to talk to someone there I was informed that WFB still had the money.

During the interum, my mother passed away on XX/XX/XXXX. 

I have since sent to WFB, a Death Certicate, Power of Attorney and Afidavit of Small Estate. All documentation has been recieved by WFB. 

At one point my case was being handled by XXXX XXXX, Case Specialist. I've tried to call her several times. Her voicemail is still saying that she will be in the office all day on XX/XX/XXXX. It has not been updated nor has she returned my calls. 

On XX/XX/XXXX I called XXXX and spoke to " XXXX '' He told me that he would foreword my case to a case manager. XXXX took down my phone number and told me that the Case Manager would call me. I have not recieved a call. 

On XX/XX/XXXX I called and spoke to XXXX XXXX, Employee ID # XXXX. XXXX advised my to detail the history of the case in an E-Mail and send it to you. 

If you need any further documentation then let me know. If you now have all of the information that you need then let me know and send me a check for {$2300.00} End of email. 

I was told that they sent me a letter on XX/XX/XXXX. I've yet to recieve said letter. 



As of XX/XX/XXXX I called them and I'm being told that I need to send them a court order showing me as the Trustee for the estate. I have already sent them notorized copies of both Power of Attorney and the Trust showing myself as the Trustee. 

I've not been dealing with the courts, this is a small estate and a reletively small amount of money.
Consumer complaint received 2023-01-23
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. (HI)

Equifax has not removed almost XXXX inquiries. I have enclosed all information in attachment. 

It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Equifax 's databreach, class action & settlement lawsuit, and is available for free, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NV)

It was impossible to keep my account balanced. Some day would be 3 days behind and some would be right away. Sometimes would show transaction but not deducted it from the available balance. There was never the correct amount that it was suppose to be. It was a joke that on Tuesdays dont check the account because it is never correct. We closed our account because this would alway happen and we would get over draft charges. We paid countless fees over the time we had Wells Fargo, so much we dont even know how much was accumulated. At branch tried to recover overdraft fees with no resolution so we chose to close our accounts and take our business elsewhere