davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX I have already submitted a complaint About Bank Of America Freezing and keeping my money {$9000.00} dollars that I Have tried Multiple times to personally resolve issue by Providing documentation on how I legitimately received the money I called many Multiple times to customer service spoke to I believe every department from fraud to risk dept, cheak holding, ect.ect. Ending up with the same outcome everytime No Clear explanation or Answers as to where my money went or why I have yet to get it back because of this I have become Homeless Not having access to this money I was unable to pay rent and myself and my XXXX yr old son have No Home And Struggling to find housing FOR this reason I am in Desperate NEED and Want My Money I already have a complaint filed to Bank Of America which their response was they are working on it they have been working on my issue since XX/XX/2021! What is there more to work on? My original account was frozen and closed after their " investigation " to where they found Nothing proving the money was gained fraudulent ANYHOW they keep saying they are working looking into it and honestly I see no problem to keep looking into? I was contacted via email from a XXXX XXXX who claimed would be my point of contact until issue is resolved she provided a phone and extension to reach her but when I call it is not reachable number so I tried getting a hold of her through customer service and was advised she would contact me the following day it has been XXXX  days since then and I have yet to receive a phone call or email from her or anyone I feel I am still getting the run around and my issue is not being addressed seriously which I believe it should being my son and I are homeless and need my money back I also feel that my next approach should be civil suit for loss and damage I really hope Bank of America would acknowledge the severity of my issue and address it Thank you once again. 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2019-03-21
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. (GA)

There is an account reporting on my credit report from XXXX XXXX which is saying the balance is coming from XXXX XXXX XXXX XXXX from 2012. I never signed a joint lease with anyone, I have asked several times for a copy of this lease I supposed I signed. The credit bureau is allowing this allow to report on my credit report when it does not belong to me, Please have this account investigated and removed from my credit report. I contact the original credit XXXX XXXX and they are telling me they don't have a lease agreement with me or never had one with me. So I'm not sure where they are getting this information from. Please remove immediately. Thanks, XXXX
Consumer complaint received 2020-11-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (OH)

I'm not aware of this debt and did not have the opportunity to dispute. Also, please provide the method of verification, validation of debt, assignment of debt with CEO signature, and certified mail with receipt. 

Please have this account remove ASAP as this a violation of Fair Credit Act. 

NATIONAL CREDIT ADJUST # XXXX
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I spoke with XXXX on XX/XX/XXXX to make three accounts current ( and out of forbearance ) and confirm that this would be updated with the credit bureaus prior to a XXXX closing date. 

I called XXXX to confirm at the end of the month and then almost every single business day since XX/XX/XXXX to ensure this was updated appropriately with the bureaus. 

However, as of XX/XX/XXXX all three accounts have not been appropriately updated with all bureaus as out of forbearance, and this is holding up my closing per XXXX guidelines. I have now been charged the EMD ( earnest money deposit ) of {$3000.00} for defaulting on the contract and despite more than 20 calls over the past several weeks, they have failed to correct a single account, although they have updated the bureaus with the loan balances.
Consumer complaint received 2020-07-28
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: Experian Information Solutions Inc. (MD)

This account is not mine and I have already provided information to the credit bureaus in regards to this account. I have provided as much information that I have and the creditor has been given ample time to investigate. The request for more information that was already given is a delay tactic and I demand this be removed from my report. This fraudulent account is keeping me from being able to buy a home and causing mental and emotional harm. There is no account information as I never had an account with this company. i am left no choice but to take legal action if this account is not removed from my report. A request for information that was already sent via certified mail is not verification or validation of debt. 

Previous complaint : I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX  XXXX  from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 1. XXXX  XXXX XXXX XXXX - balance is showing charged offed ; was {$8800.00}, account number not listed.
Consumer complaint received 2018-05-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc. (CA)

My concern is regarding secure private information. 
On XX/XX/XXXX this year I following an online ad regarding mortgage refinancing from XXXX. I filled in the online form which requested only my last 4 digits of my social security number. XXXX referred my inquiry to XXXX and a representative contacted me by phone shortly after. 
We discussed the options I have. I inquired about a certain loan that was attractive to me and I specifically requested not to run my credit score at this time because I wasn't ready. To my surprise, the rep replied that he had already done so while we were talking. 
I asked him how did he get my social security number and he replied that he received it from XXXX. I said that I only gave them the last 4 digits and he said that they have the technology to figure out my social security number. This statement trigged my suspicion that there is a broader issue of breach of information privacy at XXXX I am filling this complaint hoping that it will spark an investigation in online data security practices. Is there an exchange of unauthorized private data information online?
Consumer complaint received 2022-02-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: VW Credit, Inc (CA)

The incident took place around XXXX of XXXX. I had 2 successful previous loans with this company VW Credit. This was my third loan on a XXXX car. I had been paying on this 4.5 years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX was hit hard by Covid-19. I had to apply for state assistance. I looked for other jobs, but only found very part time work at the time. I was making payments each month, but fell behind. I had made a partial payment to them 2 weeks only prior to the incident. I was given no letter, no notice, no correspondence that they were going to do this. 2 days later, a very kind friend lent me the money {$1100.00} to get the car back. The amount was for added fees and interest. I did so, and turned around and traded the car in for another one with a different lending company. I would not continue to do business with a company such as this. Oh yes, and the repossession letter from them came finally, 2 months later! I have a witness to that. Shame on VW Credit! Treating a former, good, loyal customer like this! Not even working with me on a solution to this. Doing this during Covid-19 when possible protections were in place to help protect against this. They displayed unethical and unfair business practices during a global pandemic crisis of epic proportions. They should be fined and reported for this! They also reported the repossession on my credit and refuse to remove it. It will not come off until 7 years from now. I have been scarred financially, ethically, and emotionally from this terrible event.
Consumer complaint received 2022-02-17
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (MO)

Mid XXXX I received a Collection letter from IC Sytems stating I owe {$41.00} to XXXX XXXX which is False and fully disputed. Upon receiving letter I called IC SYSTEMS to verify the information and to let them know I would be disputing the said debt. The collector verified the XXXX number I was calling in from and Identified as my cell phone and requested Cease and desisted all call to my cellphone. 
I sent in written my dispute and requested all itemised statements, contracts and validity of this debt. 

First week in XXXX I received some fraudulent typed letter ( see attached ) Saying I owe with no detailed explanation, contracts. Payments, receipts and statement to pay.

Per REGULATION F this is a violation of a valid debt. There is no leagal documentation or binding contract from original creditor.

SECOND. I started receiving numerous calls to my CELLPHONE, from multiple numbers. They would hang up on me. A representative finally answered and IDENTIFIED IC SYSTEMS AND A DEBT.

I advised that I requested a cease and desist from my cell phone and I was transferred a coulple times where I was told I need to put NO CALLS TO MY CELL PHONE IN WRITING WHICH IS A BLATANT LIE!! This is harassment for a debt that is not valid.
Consumer complaint received 2022-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

I made XXXX payments to Shellpoint Mortgage. The first payment was made in the beginning of XXXX of {$400.00}. The second payment was made on XX/XX/XXXX through bill pay from my bank. The payment amount for the XXXX payment was {$630.00}. I was charged a late payment. The representative XXXX explained to me, the company does have a biweekly. The biweekly payments are only on certain days. Which is unacceptable!! The representative had to correct my payment, but the couldn't change the late payment. The payment was made within the grace period.
Consumer complaint received 2020-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (TX)

This complaint is against 2 companies : American Coradius International ( XXXX, NY ) & XXXX XXXX XXXX XXXX, DE ). 

I, XXXX XXXX, received a letter dated XX/XX/XXXX from American Coradius indicating I owed a balance of {$3300.00} that had gone into collection from XXXX XXXX XXXX XXXX Since I have never had an account with XXXX, I filed a complaint with the XXXX   and American Coradius quickly indicated that no debt was owed. I did not take it to the CFPB at that time since they fixed it. 

However today, XX/XX/XXXX, my wife, XXXX XXXX, received the exact same letter in the mail only it is for the amount of {$1400.00}. She just disputed it to the XXXX on her behalf to hopefully have that balance removed as well. 

If you go to the internet and search up this company, the first XXXX auto-search shows " XXXX  scam '' so obviously this is a real problem. Their mailing address on both of the letters say : XXXX XXXX XXXX XXXX, TX XXXX That address on XXXX XXXX looks like a shack in the middle of nowhere. 

The second complaint is against XXXX XXXX as I, XXXX XXXX, received a collection notice for XXXX in the amount of {$46.00}. Coincidentally, that letter is also dated XX/XX/XXXX just as my wife 's was dated. Both of these were sent to our home address. 

If you XXXX XXXX XXXX, a similar auto-result shows up indicating " XXXX   Scam ''.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

CHILD IS NOT A REVOLVING OR AN INSTALLMENT DEBT. CHILD SUPPORT DOES NOT ISSUE CREDIT CARDS OR LINES OF CREDIT, THEREFORE IT CAN NOT BE A REVOLVING DEBT. CHILD SUPPORT HAS NEVER GIVEN ME A LOAN. CHILD SUPPORT IS NOT AN INSTALLMENT DEBT. CHILD SUPPORT HAS NEVER ISSUED TO ME ANY CREDIT, THEREFORE HOW CAN THE DIVISION OF FAMILY SERVICES HAVE A LIEN ON MY SOCIAL SECURITY NUMBER. MY CHILD 'S MOTHER HAS NEVER AGREE TO HAVE ME IN BONDAGE TO THE DIVISION OF FAMILY SERVICES. THIS IS UNLAWFUL AND IS TOTALLY AGAINST THE XXXX XXXX XXXX. I ASK SOMTHING BE DONE ABOUT THIS.
Consumer complaint received 2024-03-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (LA)

Hello. I hope I can get this issue resolved because it has literally ruined my life. I submitted a complaint to Credit Acceptance back in XXXX and the complaint was closed due to the fact that a judgment was against me and the company won by default. I didn't get a chance to take up for myself in court because I had just XXXX XXXX XXXX XXXX  I was not provided enough time to respond to the judgment and a date was set for me to appear in court. I was unable to. So the judgment was rendered in their favor. From the last complaint in XXXX that was filed, Credit Acceptance stated that a judgement was against me and that it was valid. They also included a report that showed the contracts, correspondence, and transaction reports regarding payments that was made over the years. I will include this report on here. The issue is the fact that it has been over 10 years and they are still trying to collect on this account that should have been paid by now. The judgment rendered that I would be garnished until the debt was paid which judging from the last payment in the report from the XXXX complaint was {$440.00} and the balance was {$1600.00}. I was garnished plenty of times from that point on which is stated in the report. I will attach this report from the companys attorney. The attorney office told me from the call me and the paralegal had on XX/XX/XXXX, that the balance is totally different and that I actually owe more from what was stated on the report. Either the balance was incorrect in XXXX from Credit Acceptance or the attorney office has it wrong and they are trumping up finance or interest charges. When the judgment was rendered back in XXXX, it was to my understanding that I owed the debt to Credit Acceptance and to pay until the debt was paid and cleared. They have recently started to garnish my wages and they are taking {$270.00} out of every paycheck which I will also include in the attachments. Me and my family were recently homeless and currently we are without a vehicle. Every XXXX I am making is to take care of my family so we will not be homeless again. I believe the amounts they are suggesting I need to pay is incorrect and the amounts are inconsistent with the evidence provided by the company in XXXX Credit Acceptance and their attorney in my understanding suppose to have the same information and it should be provided to me upon request before any garnishments are being taken out. This account is 10 years old and I believe the information is not correct and their method of reaching out or providing such information has not been correct.
Consumer complaint received 2022-02-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: General Motors Financial Company, Inc. (NC)

GM Financial ( Americredit ) approved me for an auto loan through a dealership and I traded in my other vehicle, signed and drove home with my new ( used ) vehicle. Before signing all the paperwork, they had me submit drivers license, property bill, insurance, last 2 paystubs. About 2 days after buying the new vehicle, I started getting harassing phone calls from a number in Arizona, telling me they were trying to contact my company and verify employment. This feels like it was not an issue for me, so I simply told them to call the number for our HR that is on the paystub and they can verify like everyone else. They didn't like that it's during COVID and that nobody is in the offices, so they continued to harass me with other requests, including asking for company private information that could end up with my termination for disclosing " private '' information. They then claimed that they reached someone in HR, but the person who verifies employment isn't in the office and they don't know when they'd be back. Instead of waiting, or taking my paystubs and tax records as proof of employment, they demanded 2 new paystubs and 3 months of bank records that showed the deposits coming in. Once I provided those, that was no longer " good enough '' for them and now they are insisting on a conference call with XXXX XXXX ( waisting even more of my time ) to verify the deposits were actually made? This seems incredibly strange since it's almost impossible to fake something like this, but also since I've already been approved and finalized all my paperwork. I don't know of a solution, but this is like nothing I have ever seen, heard of or experienced in my entire life.
Consumer complaint received 2020-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My name is XXXX XXXX loan XXXX. 

I'm writing today because the balance on my loan should be lower than what it currently is. 

On XXXX of 2018, I made 2 payments. One on the XXXX and one on the XXXX. 
The 2nd payment should have lowered the loan balance to {$220000.00} All subsequent payments should have been based on that new lower amount. 
Please reamortize the loan so the lower amount is reflected. 

You can not just lower the amount owed by {$2000.00} at this time. You have to reamortize it to be accurate. 
It is a lender error that the amount applied to the principal ( as shown below ) is the principal went down {$490.00} and also {$240.00} for the additional payment amount but it should have gone done {$2000.00}. 

I don't want to file a complaint but this is my 2nd request to address this. 
Thank you XXXX XXXX XXXX Additional Principal XX/XX/2018 {$240.00} {$240.00} {$0.00} {$0.00} {$0.00} {$220000.00} Monthly Payment XX/XX/2018 {$1700.00} {$490.00} {$900.00} {$340.00} {$0.00} {$220000.00} Additional Principal XX/XX/2018 {$240.00} {$240.00} {$0.00} {$0.00} {$0.00} {$220000.00} Monthly Payment XX/XX/2018 {$1700.00} {$490.00} {$910.00} {$340.00} {$0.00} {$220000.00} Additional Principal XX/XX/2018 {$240.00} {$240.00} {$0.00} {$0.00} {$0.00} {$230000.00} Monthly Payment XX/XX/2018 {$1700.00} {$490.00} {$910.00} {$340.00} {$0.00} {$230000.00} Additional Principal XX/XX/2018 {$240.00} {$240.00} {$0.00} {$0.00} {$0.00} {$230000.00} Monthly Payment XX/XX/2018 {$1700.00} {$480.00} {$910.00} {$340.00} {$0.00} {$230000.00}
Consumer complaint received 2018-05-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (TN)

I have been disputing XXXX XXXX XXXX aka XXXX XXXX XXXX since XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX of this year. I utilized XXXX and seen that I initially had ( 1 ) collection item listed from this company. I immediately took action disputing the validity of this account, asking for verification, and proof that they attempted to contact me prior. The company never provided any documentation and then proceeded to send me threatening letters stating that they would seek legal action. I received another correspondence stating that I personally spoke with them on the phone and spoke with their legal dept, I asked for proof of those conversations and I never received it. Prior to me disputing this account, I have never had any contact with XXXX XXXX and XXXX XXXX has never reached out to me. Most recently, I check my credit again and XXXX XXXX still has this debt on all 3 of my credit reports. I am beyond outraged that this company continues to violate my consumer rights and also damage my credit. I do not owe any debts to XXXX or any outside vendors that they may have. To add insult to injury, They allege that they sent me letters, I never received any documents or notification for validation for that alleged account. XXXX XXXX has been the topic and center point for numerous class action lawsuits and settlements due to their illegal practices. This company is attempting to swindle monies from me and I will not actively participate in their activities. Every time that I dispute an account that is not mine, XXXX begins to send me stressful threatening letters demanding payment or I will suffer legal action. XXXX also present these letters in a manner as if they have been communicating with me on a regular basis. This is not the case and completely false representation on XXXX 's part.
Consumer complaint received 2022-01-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Contacted XXXX about account has been over 6 years old and they stated that account was brought back by creditor and clock was restarted again for another 6 years.
Consumer complaint received 2022-02-17
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: AG AH LLC (TX)

I started a process with this company to buy my dream home, after being pre approval I got the house and I followed and send all the documentation they requested. I was approved, they took so long to approved me even after I sent everything they need. We got the house, the appraisal and everything, then decided to do a new appraisal of the house and they said it was less the worth of the house, they wanted me to pay more which I couldnt because we had a deal before with closing and downpayment amount. They continue messing with my case that the seller decided to terminated my contract y after 4 times trying to get closing papers from this company. I decided not continue with their game and we terminated because of this situation I lost my XXXX money and the appraisal fee I had to pay because they requested and then they XXXX a new one. Its being traumatic and humiliated trying to work with this company my realtor and I trying to contact with them and never answer their emails or phone with someone who was willing to help. They didnt care about the situation, after I decided to terminated they continue sending new quotes. I am pregnant and I was happy to buy this house I have everything they requested and the money they told me to pay but then they change everything. Its been stressful for me and my family which we were ready to move and still hurt they didnt care about nothing.