davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION (MI)

I scheduled payment to BBVA Compass through my XXXX checking account on XX/XX/18 for {$88.00}. XXXX XXXX sends a paper check to BBVA Compass which should arrive within 5 business days. On XX/XX/18, I contacted BBVA Compass to find  out why my payment had not been posted. They responded that they had not received it. I placed a stop payment on the check on XX/XX/18 as I figured it had been lost in the mail. It was not a regular payment anyway, but an extra one. I contacted BBVA Compass again and let them know I placed a stop payment on the check and asked if it would cause any issues with my account. I was told all I needed to do was contact XXXX and make sure the stop payment was in effect - nothing about a fee they were going to charge me. On XX/XX/18 they received the check and presented it despite my letting them know I had stopped payment. They then charged me {$16.00} and refuse to credit it back despite my thorough explanation of what has transpired.
Consumer complaint received 2019-08-31
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)

I asked to remove an acct that was included in bankruptcy that was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. The creditors had a heloc of {$80000.00} at time of filing. Equifax has XXXX XXXX XXXX reporting a closed account ( closed XX/XX/XXXX ) which was included in bankruptcy in XX/XX/XXXX discharged in XX/XX/XXXX. It shows a balance of XXXX. Should be XXXX. Shows it as charged off and should say included in bankruptcy. Ultimately it should not be reporting. Over 10years since filed.
Consumer complaint received 2019-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019 around approximately XXXX at the Bank of America branch in XXXX , I was refused a deposit of a check from a company. This check was a legitimate check and this branch failed at allowing me to deposit my funds into my bank account. The check had my dads name with the phrase and/or preceding my name. The teller went and got the manager, the woman manager then refused to deposit the check then preceded to be extremely rude to me for no reason. She was like I need this person here also with a valid Drivers license, my dad lives 450 miles away from me and my name was still on this check. This should be investigated and I want her held accountable.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

I have requested my report several times, each time i am sent a new pin in the mail when using the pin it never works and givers an error. it is illegal to not be able to see report i am a victim of identity theft and this is devastating
Consumer complaint received 2022-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Credit and Collection Service, Inc. (CA)

This complaint is against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  ( XXXX ) XXXX Sequence of events : XX/XX/2022 - I was received via USPS an initial debt collection notice, for the amount of {$150.00}, plus additional interest of {$10.00}. 

XX/XX/2022 - I did not recognize this debt, so I called them on the phone to verbally contest the debt. I was told the debt was for a " pharmacy overpayment '' by my health plan, " XXXX XXXX XXXX ''. My health plan apparently made an error in how much the pharmacy received for a filled prescription. 

XX/XX/2022 - I called again to ask more information. I asked for their CA debt collector license number, and then they immediately put me on hold indefinitely. They then simply would not answer any call from my caller ID. 

Relevant facts : - There was never any debt contract or instrument signed. As such, no interest or fees have been expressly defined. The addition of interest by the company violates both the FDCPA and the CA XXXX FDCPA. 
- From my understanding, laws and regulations require health plans to retrieve any overpayments directly from providers, not from a consumer who never received any cash payment. Therefore, this debt is invalid. 
- This agency does not have an active debt collector license in either Oregon ( their home state ) or California ( my residence state in which they are attempting to collect ). 
Further, the agency also added interest to an alleged debt without any written contract, and therefore adding interest is in violation of the FDCPA. ( Any interest rates or other fees must be expressly defined. ) - I have good reason to believe these predatory practices are being committed against many consumers ( as the XXXX XXXX XXXX has many members across multiple states ).
Consumer complaint received 2022-03-30
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

I have a complaint about the customer service I received from pennymac and the processing the underwriter use to approve a loan. This started on XX/XX/22 I received a call from pennymac and this wasnt the first time called to say there going to help lower the payment. So I speak with the agent give me all this great information on lowing payment and I wasnt sure if I should trying knowing I have credit card I want to pay down so I was thinking it could be great to take cash from my home to pay on my bills and fix my home up more so I started the application with the agent and they run my credit he stated your card balance of high but I think there something we can do I pay to get appraisal of the home that was looking good and give all my income information and they first gave me options to do to help income debt then I advise hey Im co borrower on a auto and they make payment send that to then I was so hopeful I can pay my debt fix up my home for me and my family and they then state cant remove we need 12 months of payment and that 4 months away and I ask the agent to please help he advise Ill call you back and a weekend and 2 days later I had to call them so now because Im four months of and I dont have assets I can get approve this made me feel so defeated like how your trying to help me but do everything to try not to approve me I havent cried so hard in my life they need to stop building people hopes up just to destroy them
Consumer complaint received 2024-05-25
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

Had a balance with XXXX XXXX so Mercantile became the collections and stated I had an outstanding balance of {$400.00} on XX/XX/XXXX. In the middle of making monthly payment Mercantile sold the account to XXXX XXXX and then stated the balance is {$970.00}, the monies i already paid can not be accounted for. On XX/XX/XXXX i paid {$50.00}, and on XX/XX/XXXX paid {$52.00}, now XXXX has the account and says i owe the {$970.00}
Consumer complaint received 2022-03-30
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. (MA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX and XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (TX)

On XX/XX/2018, I contacted cashnet via chat to get a quote on my payoff for my loan. I already had a scheduled payment to be taken out my bank account on XX/XX/2018. When I contacted the company in XX/XX/XXXX, I was quoted for the days XX/XX/XXXX-XX/XX/2018. I was quoted {$310.00} for XX/XX/XXXX, {$310.00} for XX/XX/XXXX, and {$150.00} for XX/XX/XXXX after my scheduled bank draft of {$160.00} making it equal to {$310.00}. I was told that I until Midnight of XX/XX/XXXX to make any of these payments for payoff by online or calling in. I decided to pay it off on Friday since a payment was coming out anyway. We are all human by working and dealing with life issues so I called on XX/XX/2018 at XXXX to make the payment of {$150.00}. I was put on hold and was on hold for over 2 hours. I stayed on hold because the payment needed to put in before midnight. While on hold I went on the website so I can make an online payment. To my surprise that wasn't an option. Also I see that the phone lines close at XXXX. So, I was on hold while no one was there!!! Why didn't the hold message say this or let me know it was closing soon. This is unfair practice and unacceptable. The phone lines should let customers know that the phones will be closing soon. There should also be an online payment option since this an online loan. I contacted the company by email with photos of my hold time. They responded by giving me a higher quote because a new day has passed. This is unfair because I called before the deadline and was put on hold and stayed on hold while no humans were there. And, I didn't see an option to pay online.
Consumer complaint received 2020-02-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a problem with Transunion. I was recently denied a HELOC loan based on my Transunion score. My score dropped by 54 points on XX/XX/2019, although there was no negative information reported on my file during this time. The Transunion representative ( XXXX ) could not explain the drop to me, except to say that it was automatically done by their computer. These credit bureaus are a racket. It is difficult to get an agent on the phone who speaks clear English, after their persistent attempts to sell you a monitoring product. Ive worked hard to improve my credit score. In the case of Transunion, they have put a 54 point drop on my score, but cant explain it to me. This should not be allowed to happen. I want an explanation, as well as a restoration of my 54 points, at least.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I applied for a mortgage loan on XX/XX/2018, early in the loan process I received a credit file alert that a new account ( XXXX Business credit card ) was reporting in my personal credit file of all three bureaus. I contacted XXXX disputing the reporting of a business account on my personal consumer report, they refused to delete it from my personal credit file. XXXX is unable to produce a consumer credit card agreement that I have acknowledged or signed that stated that they can legally report a business account on my personal credit report. Please note that the business credit card had been open a year and never reported to my personal credit file.I subsequently opened disputes with TransUnion, XXXX and XXXX on XX/XX/XXXX and again on XX/XX/XXXX and XX/XX/2018. My disputes each state that XXXX is reporting the account as an " individual account '' erroneously as it is a business account and should be deleted. I provided a letter from XXXX of which it is clearly addressed with Company name. TransUnion, XXXX and XXXX each stated after two investigations, XXXX has confirmed that their reporting is accurate. XXXX 's reporting is illegal and I need this blatant erroneous reporting of this account deleted from my credit file with TransUnion, XXXX and XXXX.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I have disputed this medical charges that ended up on my credit report with all 3 credit bureaus. XXXX and XXXX have responded and stated that I was correct and this is not my bill nor could have provide valid proof and they have removed these from my credit record. Experian on the other hand keeps saying that the charges are valid and will not remove nor prove signature they are mine. I show proof of ID and sign EVERY time I get anything medically done. Experian has dropped my credit another 74 points yesterday because of this and it is truly aggravating and destroying my credit that I have worked very hard on. Please show valid proof or remove these from my credit and store my points XXXX XXXX XXXX {$720.00}
Consumer complaint received 2022-07-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Social Finance, Inc. (NY)

Bank offered a promo that offered {$20.00} to check one 's rate for a personal loan ( see attached emailed offer ). 

I had completed the steps yet the bonus was not credited as promised. I had chatted in about the issue on XX/XX/2022 and was promised resolution withing 7 days but unfortunately did not hear back from the bank nor receive the promised bonus.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Midwest Recovery Systems (UT)

I sent a handwritten certified letter to them on XX/XX/2018 asking for validation and verification on this account that is negatively reporting on my credit report. I have not received any verification or validation on this account. Per section ( 609 ) of the Fair Credit Reporting Act I should have received validation and verification of this debt within 30 days.
Consumer complaint received 2018-05-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (FL)

I was just notified by my credit monitoring service that a new collection account was added to my credit files. I have never received any communication from this company notifying me of any alleged debt. This behavior is a clear violation of both the Fair Debt Collection Practice Act and the Fair Credit Reporting Act. I have since submitted a certified letter requesting debt validation.
Consumer complaint received 2019-01-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I have filed several complaints against Wells Fargo, and the opposing counsel, Attorney XXXX XXXX XXXX # XXXX, has committed several legal violations. For example, he has severely violated his oath as an Attorney in the state of California, and is totally corrupt. Again, he has issued me a fraudulent document which consisted of a mortgage note that was falsified due to the fact that it did not match the original copy of the mortgage note. In addition, Attorney XXXX XXXX XXXX has been indulging in dual-tracking while a loan modification was in progress, sending me direct emails, and letters instead of communication with my legal counsel. In addition, Attorney XXXX XXXX XXXX attempted to have someone deliver personal papers to my next door neighbor that consisted of information regarding the status of the subject property, and was discussing the foreclosure attempts regarding the property with a friend of mine who is an Attorney, but is not my legal counsel. My neighbor told the individual at the door never to come back to his home again. The auction of the subject property is scheduled for XX/XX/2019, and Attorney XXXX XXXX, has not offered any alternatives to the foreclosure process. Finally, Attorney XXXX XXXX needs to lose his license to practice law in the state of California.
Consumer complaint received 2018-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Comerica (KY)

I'm on XXXX my check go to XXXX they have my money and I can't get it. Called them and they said it was happening to a lot of people and they were trying to fix it 3 daysstill not fix and can't pay my rent or bills try calling again and there not taking call please hehp soon
Consumer complaint received 2018-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In XX/XX/2016 I fell behind on the payments due to the tenants not paying and wrecking the property. I let Bank of America know that I could not both fix up the property and make the mortgage payments. I applied for a HARP refi but was denied. They started the foreclosure process. I asked them for the full amount needed to stop the process and where to send the verified check. I sent them the funds. They lost the check and continued with the foreclosure. When they located the check they took the funds and promised that the foreclosure would be reversed. I have been sent a statement every month since and paid it on time. I found out that they never reversed the foreclosure and still have Bank of America as the recorded owner of record on title. I need to sell the house but can't because they are listed as the owner. I have tried several times over the past few months to get them to respond. They transfer me from dept to dept. I never get a call back or any update in the mail. They have basically stolen a house from me and continued to take my mortgage payments. Please help in any way you can to help me get my house back in my name.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (MA)

Shortly after opening my Discover Bank account was flagged for fraud. I have been instructed on various occasionsby their customer support to speak to their security team. 

I have been on hold for over 3 hours on various occasions now ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), after which they disconnected the connection. I am now unable to access my account in any way. 

I have not been able to verify my account in person, via fax, or mail, and since their security team is not available to speak with, they are essentially holding on to my money. 

At this point I have no interest in maintaining any relationship with discover bank, and just want my account closed and my money returned.
Consumer complaint received 2022-03-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I was scammed on XXXX XXXX on XX/XX/2022. I was trying to purchase XXXX XXXX Tickets and I transferred the money through Paypal and he deleted his account right after. This is his phone number XXXX. His Paypal email is XXXX and XXXX name is XXXX XXXX XXXX.
Consumer complaint received 2018-11-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (GA)

I was in a car wreck on XX/XX/XXXX when I was hit by a driver who said he fell asleep at the wheel. I have been dealing with his insurance company XXXX to have them send the payoff check to Santander consumer USA. The check was sent off on the XX/XX/XXXX and has still not been posted by Santander. Ive called Santander each day and they are rude and unhelpful. The car was totaled and Im waiting on them to post the lost check from XXXX so I can get a new car. Im very frustrated with Santander and they are not providing me any information on getting my claim resolved.
Consumer complaint received 2018-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I deposited a XXXX XXXX cashier 's check for {$17000.00} at my XXXX, MD Bank of America branch on XX/XX/2018. I deposited it at the drive up ATM because this bank has permanently closed it 's drive thru window. My receipt acknowledged the deposit and had no notification of any type of " hold ''. I also checked my account on XX/XX/2018 and it verified my deposit with an available balance of {$17000.00}. On XX/XX/2018 I wrote a check for {$4700.00} to pay county property taxes. Then, without warning or notification, on XX/XX/XXXX, Bank of America placed a " hold '' on my check until XX/XX/2018. Now, I have been embarrassed with a returned check and will be charged a penalty fee by the county ; and to add insult to injury, charged a {$35.00} returned check fee by Bank of America. I called BOA customer service department XX/XX/XXXX and spoke to XXXX and her manager, XXXX to no avail. They told me that they or no one in their company could remove the hold. I know it doesn't take 10 days to verify clearance of a bank cashier 's check ; totally outrageous!