davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST (CA)

beginning on XX/XX/XXXX I sigmed 3 documents with Bank of the west had 2 payments delayed and gave permission for my wife to handle the account according to this bank only 1 payment was delayed and no poa was signed and they say they have my signature on a document that states only 1 delayed payment this has been changed to their benefit beginning with the fact a payment made in XX/XX/XXXX disappeared and yet we were approved for the delay which was not used. We split the payments and according to them we owed XXXX $ in late fees problem as follows they were paid XXXX $ from XX/XX/XXXX to XX/XX/XXXX regular payment XXXX that equals XXXX months if every payment was late the late fee is XXXX payment becomes XXXX that comes out to be XXXX months at XXXX that comes out to be XXXX months their numbers do not add up correctly again if you take the numbers and divide the amount by 23 months pmt shows XXXX divide by 22 months the payments come out to be XXXX XX/XX/XXXX to XX/XX/XXXX is 3 months XXXX 12 months XX/XX/XXXX to XX/XX/XXXX is 8 months however they are ignoring the XXXX delayed payment which has never been used I have gone over the numbers and they completely ignore the correct amounts and claim no payment was made in XX/XX/XXXX un true because they would not have approved a delayed pmt
Consumer complaint received 2022-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

I stopped being a customer of XXXX XXXX in XXXX, and switching carriers my balance was paid and my XXXX XXXX was paid off according to the store in XXXX XXXX Tx XXXX when I recently tried to use my XXXX XXXX it says sim is locked, I called XXXX XXXX to figure out what was going on and they said I owed a balance. I do not owe any debt with them.
Consumer complaint received 2019-04-24
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)

My credit rating was XXXX in XX/XX/2018 per Transunion. 

Around that time, my motorcycle was stolen. The motorcycle had an open account with XXXX XXXX XXXX. Once my insurance company paid the claim, my open XXXX XXXX XXXX account was closed in good standing. Once everything settled, I made the decision to purchase a new motorcycle at the end of XX/XX/2018 and I financed the loan via XXXX XXXX XXXX. The amount of the loan and monthly payments were nominally higher, but otherwise in the same range. Both the XXXX and XXXX loans were paid on time and neither account was ever delinquent. Further, the accounts were never open simultaneously. In other words, the XXXX account was paid in full and closed ( in good standing ) prior to the opening of the XXXX account. 

Shortly thereafter, on or about XX/XX/2018, I noticed that my Transunion credit score dropped to XXXX. I called Transunion and they said that they would not my issue, but that they can't do anything since scores are computer generated and they have no way to adjust the score. Next, I called XXXX XXXX XXXX and they confirmed that my account was never delinquent, that the account was paid in full, and that my account was closed in good standing. Finally, I called XXXX XXXX XXXX, and they also confirmed that my account was never delinquent, that I never made any late payments, and that my account is currently in good standing.
Consumer complaint received 2018-09-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bull City Financial Solutions, Inc (IL)

On XX/XX/2018, I recieved a debt collection letter from BullCity Financial Solutions Inc. XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX ; telling me I owe {$1000.00} for a debt from : XXXX XXXX XXXX XXXX AT XXXX, account # XXXX, service date of XX/XX/XXXX Regarding XXXX, XXXX. 

The letter states that if I do not dispute the validity of this debt within 30 days they will assume it is valid. Sincerely XXXX XXXX XXXX, XXXX. 

I have know idea what this debt is as I have not been to Texas in the past 5 years. I'm afraid to contact them and give them my personal information because of all the scams going on.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

As of XX/XX/XXXX, my student loans are forgiven and paid in full. My tradelines are still reporting that I currently owe XXXX which they have been forgiven and paid in full. Attached are the documents proving that these loans are paid in full.
Consumer complaint received 2021-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (UT)

I have filed a police report back in 2019 in XXXX and notified the credit bureaus i did not apply i did not know of or have any knowledge of this account it was for an apartment complex called XXXX XXXX apartments i never lived there i never applied this debt is totally unknown.
Consumer complaint received 2019-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (AZ)

1. A debt collector ( ONLINE COLLECTIONS ) called me multiple times to collect a debt of around {$170.00} for XXXX XXXX. 
2. I called the XXXX XXXX and they informed me that I do not have or had any debt with them. My current balance is {$0.00} ( XXXX ) dollars. Before that the balance was in my favor because I had a security deposit which they refunded about a year ago when account was finally closed. I specifically asked about collections or anything and XXXX XXXX declined that they submitted by account to collections. 
3. I called Online Collections and asked to call XXXX XXXX together to settle the issue but they declined to make such a call and offered me to wait. 
4. I can wait, but not when I have a derogatory mark on my credit score.
Consumer complaint received 2019-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: KEYCORP (AK)

A XX/XX/XXXX letter I received from the credit card company stated they put this account in a XXXX XXXX and my new payment of {$39.00} would be due on the XXXX of each month until paid in full. I made the 1st payment for XXXX on the XXXX of XXXX. The 2nd payment I made on XX/XX/XXXX and the 3rd payment I made on XX/XX/XXXX, so I complied with their request for on-time payments only to find my account charged with a {$37.00} late fee for each month. I have tried to contact them to have this corrected and each time was told they would look into it but nothing has been done to this date XX/XX/XXXX and the late fees remain on my account. I have contacted company representatives for Collection Specialist on XX/XX/XXXX twice, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX twice talking to collections supervisor XXXX only to get the same answer " I'll look into it '' and that's as far as it gets. The Single Point of Contact is XXXX XXXX and his # is XXXX but he has never returned my calls either but I have talked to XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ( twice ) XXXX, and finally XXXX, collection supervisor @ XXXX They all might " look into it '' but that is as far as it gets. Along with the {$37.00} late fee they even tack on about {$6.00} in other fees.
Consumer complaint received 2018-09-13
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (TX)

I applied for a Va home mortgage through Quicken Loans. I worked on it from XX/XX/2018, until I received a Full Letter of Approval on XX/XX/2018. This went through underwriting and they totally verified all my asset, credit, & debit. After receiving the Full Approval Letter I was guided through the closing process, I paid for inspections- {$740.00}, appraisal- {$500.00}, HVAC inspection- {$60.00}, Title Search Fee- {$1800.00}. On XX/XX/2018 I received a denial letter stating that they can not service the loan and this was 2 weeks before my closing date of XX/XX/2018. They have yet to give me a legitimate reason why they backed out on the loan. All they could tell me is that someone screwed up and dropped the ball. I am a XXXX-year-old Veteran not knowing where to begin so that I can purchase the home before it is sold to someone else. Quicken has not followed through with his promise of reimbursing me all of my money. They have not been honest with us from the beginning. XXXX XXXX is the Chairman of this company and I want to believe after reading his profile that he would not agree with how his company is dealing with his clients so unprofessionally.
Consumer complaint received 2020-04-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (OR)

On XX/XX/XXXX, I used my account with USBank to transmit {$1100.00} to XXXX  XXXX XXXX using BillPay. I also had them send XXXX ( my credit Union ) {$200.00}. They indicated the money would be available at both institutions on the XXXX of XXXX. It was not received by either. I started calling both USBank and XXXX XXXX XXXX on the XXXX. XXXX said they did not receive any funds and that I had to check with USBank. USbank said they sent it and it was XXXX XXXX XXXX 's problem. As a result I am unable to pay bills ( car payment which is now costing almost {$4.00} per day in interest and reflecting poorly on my FICO score and credit standing. 
The only way to contact USBank is via email from their website and I have done so each day including today the XXXX. Calling XXXX-USBanks takes about 14 minutes to reach a live person to explain my problem. USBank has been unwilling to do anything about this problem and they keep stating they sent the money and it is XXXX 's responsibility to fix the problem. 
Oregon is on lockdown so driving is out of the question for this reason : the closest USBank i 65 miles from my home in XXXX XXXX OR ( I live in XXXX XXXX ). The XXXX XXXX branch is only drive through. The next closest USBank is in XXXX Oregon which is 135 miles from my home. My XXXX plan is 400 minutes and I have used more than 200 dealing with both banks. I now have to pay {$.00} oer minute when using my phone until XXXX XXXXMeanwhile I can not access my XXXX  account to pay bills.I am also being charged a late fee and interest with my credit union . My credit worthiness is now in question due to the irresponsibily shown by USbank.
Consumer complaint received 2022-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (CA)

On XX/XX/XXXX, I noticed a collection account open on my XXXX report. The collection agency, Credit Management, reported that I owed {$460.00} to a defaulted account with XXXX XXXX. On XX/XX/XXXX, I reached out to Credit Management to inquire about this account that I had no idea about. I spoke with a gentleman by the name of XXXX at XXXX in regard to this account and he was unable to look up any information about this collection account on my XXXX report using all my personal information. At XXXX on XX/XX/XXXX, I called XXXX and spoke with a gentleman by the name of XXXX XXXX I informed him that this collection account was not mine and he directed me to this site. 

Side Note : The information on my XXXX report was very limited, and even when I gave the gentleman from Credit Management my personal information, nothing came up.
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma (NY)

The Inquiry was taken place on XX/XX/2018 a credit reporting app called Credit Karma. The company that is called XXXX had done a unauthorized/unknown hard inquiry about my credit. In the description of XXXX  was XXXX XXXX XXXX. I called the bank through the inquiry line and they said contact credit karma. Credit Karma has no contact number.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (MA)

I tried to charge some golf stuff and my card was declined. When I got home I called the company and they said it was stopped because of non payment. They told me I had to give her the information on file of my account so I did and everything was in order. She apologized and fixed the problem
Consumer complaint received 2022-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (PA)

Scammed through Zelle through XXXX XXXX I have never used Zelle. This was my first time, and the person scamming me walked me through the entire process in order to pay for furniture I was supposedly selling to them. This happened on XX/XX/22. In the total amount of {$600.00}. Zelle says because I authorized the transaction there is no refund. However I was one thousand percent induced to send. I have the entire conversation to show proof. I have already filed a dispute through my bank but after research on this type of problem, Zelles resolution is no refund at all. Period.
Consumer complaint received 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

I send a request to have the fraud alert removed from all 3 credit bureau but XXXX removed the fraud alert and then send a request to have a fraud alert added to XXXX & Experian by eletronic notice I did not ask them to do so I have enclosed a letter from XXXX where there admitting that they did this
Consumer complaint received 2018-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Genesis Credit Management, LLC (WA)

There was black mold on my walls, I gave them 3 months to fix it. The complex never fixed it and the mold caused XXXX on my skin so I moved out. Then they charged me for breaking the lease but wont give me a breakdown of the receipt. I even agreed to pay them some even though i had to move out due to the condition of the apartment but they continually won't update my payment balance and want more money.
Consumer complaint received 2018-09-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (TX)

At XXXX XXXX cst I received a call from my mom who then asked me about debt via XXXX. I say what and she states a woman on the other line mentioned it to her. I was bothered that any possible debt was mentioned. 
I was brought in to talk on a three way call. Young lady did not verify me until later in the call. Asked her to not call my mom. 

Did not think to tell her not to tell her to not share information with third party. 

The business was LVNV Funding, LLC
Consumer complaint received 2018-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I am a customer with BofA I have a problem with their misleading policy on joint accounts which from my definition of it A joint account is a type of bank account that allows more than one person to own and manage it. There is no restriction regarding who can be an owner, which can include spouses, friends and business partners, among others. Everyone named on the account has equal access to funds, regardless of who deposited the money. The problem started when I gave my log in information to my relatives who lives with me that has their name on my accounts then BofA told me I should not giving out my information about my online banking even though they are joint with me with means from their definition When your Online Banking service is linked to one or more joint accounts, we may act on the verbal, written or electronic instructions of any authorized signer. Joint accounts using the same Online ID will be identified as one service. And I got very rude representatives saying that is illegal to give my verbal consent to my online access even though my relatives are using my account to transfer money to their accounts and checking their balance without restrictions.
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo does not let you set up automatic payments from a non-Wells Fargo bank account if you don't already have a credit card balance. This is crazy, as you should be able to schedule payments in advance so you aren't forced to remember.
Consumer complaint received 2019-03-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (PA)

I received a gift card from my place of employment in XX/XX/XXXX as a reward for " job well done ''. I placed the card in my wallet and never used it. I was reminded of the card when I received another gift card from my employer in XX/XX/XXXX so when registering this new card I checked the registration of the card that I received last year only to find that the full value of the card had been exhausted. I contacted the gift card company ( XX/XX/XXXX) to find out why my card now had no value. They provided me a list of charges that were made against the card, charges that I never made. When informing them that I not only didn't make the charges they listed, I made no charges at all against the card. The card never exited my wallet. They informed me that there is nothing they could do and would not refund my balance. When I persisted with the fact that I made no charges against the card I was rudely hung-up on. I called back and spoke to a supervisor who also reiterated that not only does he did not intend to reimburse me for the fraudulent charges but will not look into how this could have happened on their end and also refused to provide me with any information to pursue this problem further myself. The next day I called one of the businesses that charged against my card and they wouldn't help me or provide me with a refund for their products that I never purchased because the charges were made beyond their 60-day policy. They did provide me with the persons name and email address that made the charges with my card. This person is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Email : XXXX. Anything that you can do to help me to recover the large amount of money that was stolen from me would be appreciated.
Consumer complaint received 2019-04-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (GA)

On XX/XX/2019 I requested a loan payoff from Shellpoint Mortgage Servicing beacuse I had been approved for a refinance with XXXX XXXX XXXX XXXX. I was then told I could go online and request a payoff letter after logging into my account. I tried several times to get the payoff from their website, but I kept getting a message stating " We are having trouble submitting the formal payoff requested. Please try again in a minute or two ''. As of today XX/XX/19, I am still getting this same message. 

My mortgage loan was originally with XXXX XXXX XXXX, but was sold to various servicing companies. Shellpoint Mortgage Servicing is the current company servicing my mortgage loan. 

I have called at least 2-3 times a week requesting to speak with a manager, but I never have because the rep says they are unavailable and will request one to call me within 24 to 48 hours. The representative told me on XX/XX/19 and every time I called afterwards throughXX/XX/19 that I will not be able to get my loan payoff letter until the mortgage rate changes on XX/XX/2019 so they can give an accurate account balance. I asked what was the rate change and when would it become effective.I am trying to lower my interest rate and get a fixed mortgage. She was unable to give me that information as of yesterday XX/XX/19 and she would be sending the loan to the interest rate change department. The rep stated once she reviewed my loan terms, I was scheduled for a rate change every six months, therefore the rate should have changed on XX/XX/19. I stated since Shellpoint hadn't followed the guidelines, why couldn't I get a payoff letter immediately. The rep then stated Shellpoint had until the end of XX/XX/2019 to make the rate change. I explained to Shellpoint I was approved for a refinance and I shouldnt have to wait thirty days for the rate to change before I get a payoff letter, or if the lender could wait that long.The rep stated that this is their procedure and no one could over ride it. 

This practice that Shellpoint is exercising appears to be illegal. I thought the mortgage company would try and help the consumer, not impose additional financial stress on the consumer.I feel I have been treated unfairly and Shellpoint is purposely trying to collect additional money off my loan.
Consumer complaint received 2019-03-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF THE WEST (SC)

I was behind in our property taxes because of personal/medical issues ; as a consequence we put our house on the market to be sold. In the mean time my mortgage company ( Bank of the West ) paid off the property taxes due and sent me notice that my mortgage payment was going to be more than twice the current amount, this is more than my monthly take home pay. I have reached out to Bank of the West numerous time to try and modify the amount due to avoid potential foreclosure, while trying to sell the house. The representatives I spoke with have not provided any help, including any kind of forbearance or temporary loan modification, in fact they told me if I do not pay what I owe immediately, foreclosure would commence. I would appreciate assistance in helping resolve this issue, as Bank of the West seems intent to force me into a foreclosure situation.