davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
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. (DC)

In accordance with the Fair Credit Reporting act 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 2021-02-17
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: BBVA FINANCIAL CORPORATION (CA)

Timeline : XX/XX/XXXX - Requested cashier 's check from my bank, Simple/BBVA, in the amount of $ XXXX for a down payment on a car. Simple says they will overnight the check. 

XX/XX/XXXX - Simple debits my account for the $ XXXX. 

XX/XX/XXXX - Simple sends me a XXXX  tracking number for an overnight delivery ( XXXX XXXX XXXX ). 

XX/XX/XXXX - I have not received the check, but the funds are still missing from my account, which means I can not access *** $ XXXX, which is a substantial portion of my net worth. 

I called Simple and was on hold for literally two hours. I spoke to XXXX XXXX He said he did not know where the check was and did not know how to find it. He said there was nothing he can do. 

I called BBVA. They had a record of the check but said there was nothing they could do to locate it and recommended I call Simple. They also referred me to a local BBVA branch that does not exist.
Consumer complaint received 2022-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

I requested my student loan payments made during the XXXX payment pause to be refunded on XX/XX/XXXX. I was told by the MOHELA agent that the entire balance I had paid during forbearance would be refunded within 30-90 days from the request date. I requested clarification on that time and they confirmed I should have the entire balance returned to me by XX/XX/XXXX. -- My loan was transferred from XXXX to MOHELA during the payment pause. I paid {$4200.00} to XXXX ( XX/XX/XXXX- XXXX XXXX XXXX  monthly payments of {$200.00} each ) and {$1600.00} to MOHELA ( XXXX - XX/XX/XXXXXXXX XXXX monthly payments of {$200.00} each ). The balance I paid directly to MOHELA was restored on XX/XX/XXXX and direct-deposited back into my account. However, the balance I had paid to XXXX and which was transferred to MOHELA remains pending after 105 days. -- When I have called MOHELA to request updates on the progress of the refund, I keep being told later and later dates that the refund will be processed by. Rather than the end of XXXX, MOHELA are now estimating I will not receive my refund until XXXX or XXXX next year! This is an absurdly long time to process a refund, and it feels like they are just keeping my money without proper communication or any accountability. I could be collecting interest on that amount in a savings account or paying off other private loans, and instead they are just pushing back the goalpost on their obligations and causing me undue financial pressure and anxiety. This is unacceptable.
Consumer complaint received 2021-06-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

city of XXXX, va treasurer made a fraudulent request from my mortgage company mr cooper for taxes when both knew I was tax exeampt the city receive and overpayment cooper never returned my escrow nor provide proof of payment made to the city of XXXX, va nor never returned my escrow account
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: DISCOVER BANK (CA)

on XX/XX/XXXX I got an email- sender name is a friend,. it asks me to do a favor and go to XXXX, buy 2 gift cards of {$200.00} each, scratch off code in back, take a picture and send it to her. I did that. had to go back to store and get replacement card since I scratched it too hard. did that on XX/XX/XXXX and sent her replacement card. On XX/XX/XXXX i got another email from her asking me to get 3 more cards of {$200.00} each. fool that I am I did it and sent 3 more cards. since she is an older lady and involved in many charities I assumed that this was something like that. Today XX/XX/XXXX I got another email from her asking me to get 5 more cards. finally got suspicious, called her and she told me She was not the sender. Called Discover card and was told that the latest charge of {$600.00} was pending and they could not do anything until XXXX put this item in dispute. 2 hours after I am now told that the charge was paid. and that they could do nothing. BOTH XXXX AND DISCOVER HAVE DONE NOTHING!!
Consumer complaint received 2021-02-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

ATTENTION TO XXXX XXXX  XXXX  ( XXXX XXXX XXXX MD ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$210.00} does not belong to me. This account was fraudulently opened through this company XXXX  XXXX XXXX in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2020-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America has XXXX listed on their website for customer to transfer funds, but they did not say it is not protected for fraud transaction or scam. I trusted BOA, so I trusted XXXX. I tried buying a ticket for my son online, after sending money {$65.00} by XXXX with BOA, the seller disappeared, I never got the ticket or refund in the past 2.5 weeks, reported to BOA, no response. 

BOA 's online information is not accurate, which is misleading, BOA should state that XXXX funds transfer is not protected, should only happen with family and friends. So BOA should be partially responsible for this fraud.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (AL)

I was on a flight to Colorado ( with XXXX family members ) when the second leg of our flight was cancelled & we were unable to rebook another flight. As soon as we were off the plane & able to, we called to cancel the hotel we had booked in Colorado, since we were not going to make it there. After explaining the situation to the person at the hotel, as well as a person at XXXX, they refused to refund our money. I immediately filed a dispute with Discover for the flight and hotel. After a short period of time, they gave us provisional credit for the flight and hotel. While the flight dispute was found in our favor, the hotel dispute was not and over XXXX days later, the charge was put back on my account. I contacted Discover & received an automated response & no one ever bothered to get back to me. I tried again and after XXXX minutes I was connected with a customer service rep. She asked for documentation of cancellation, which I obviously didn't have because we had to call to cancel and got the run around from both the hotel and XXXX, hence the dispute. I was told that I would need documentation & when I told the representative that I had the name of the person I spoke with at the hotel & the phone records showing that I had called, she then said that I would need written documentation, which I had already told her I didn't have because I called to cancel. During the time I was on the chat with the representative, I was XXXX logged off & received automated responses when I logged back on. I was eventually able to chat with a person again, but the time I wasted waiting was unacceptable. I will be making complaints against both the hotel and XXXX as well..
Consumer complaint received 2017-05-31
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (NJ)

I had a vehicle financed. I had an accident. The vehicle was totalled. My primary insurance paid their share of their claim to the finance company within 30 days. I carried GAP insurance. It took them almost 4 months to pay their share of the claim to my finance company. There was a small balance that I was responsible for. A  fter contacting the finance company after receiving a bill for a balance due on the account, I promptly paid the balance. The account was finally closed with a zero balance. The next thing I know I get a letter from GM FINANCIAL stating that the account indeed had been paid and has a   XXXX   balance. Then they added a remark that my account was charged off even with a   XXXX   balance. The statement CHARGED OFF, currently on my credit report needs to be removed immediately. I have been denied a car loan and a mortgage as a result of their error. Once again, it must be corrected or my credit score wo n't improve at all.
HELP!
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I have received a copy of my credit report, and Im disputing the following information that appears on my Experian report. 
XXXX has fraudulently reported on my Experian report. I am a victim of identity theft and I never opened this account. Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that this be removed completely and permanently from my credit report immediately.
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX 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 15 U.S.C 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-06-15
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: EQUIFAX, INC. (SC)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2020-12-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NJ LENDERS CORP (NJ)

Please take a look at the attachment. At this point NJ Lenders has no record of paying XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX  has no record of being paid. 
I am not looking for the document that is title Mortgage and " Stamped Cancelled of Record '' that has no proof of satisfaction, no proof of lien release and no discharge recorded. 

I NEED TO KNOW IF XXXX XXXX XXXX XXXX WAS PAID. 
THE NJ LENDERS DOCUMENT NOTE CONTAINS THE LANGUAGE " IN RETURN FOR A LOAN I RECEIVED I PROMISE TO PAY U.S. {$130000.00} '' PLEASE ANSWER THE QUESTION : ARE YOU SAYING THAT I WAS PAID {$130000.00}? 
I NEVER RECEIVED THE NJ LENDERS CHECK AND WAS NOT PAID THE MONEY. 
1 ) DID NJ LENDERS PAY XXXX XXXX XXXX XXXX? 
2 ) DID NJ LENDERS PAY XXXX XXXX? 
3 ) WAS ANYONE PAID? 
ITS IS VERY IMPORT THAT WE GET THIS MATTER RESOLVED.
Consumer complaint received 2022-01-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (GA)

I do not know who ERC is. They have attempted to damage my reputation as a creditor and consumer by providing false and invalid information on my consumer report to coerce me into paying something they have not validated. I do not have a relationship with this company. I have sent them a cease and desist and ask them to validate this debt.
Consumer complaint received 2019-09-20
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

To : SELECT PORTFOLIO SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX cc : Consumer Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re. : SPS account # XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX Fl XXXX NOTICE OF VERIFICATION DEBT I am writing this letter in response of Select Portfolio Servicing Inc,  assertion on your proof of claim /letter dated XX/XX/2019 that you hold or a third party is the owner of the account and Mortgage of property XXXX XXXX   XXXX XXXX XXXX XXXX Fl XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you has been falsely claiming. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. Identify the original creditor and address 3. The agreement bearing my signature stating that I have agreed to assume the debt 4. Valid copies of the debt agreement stating the amount of the debt and interest charges 5. Complete payment history on this account along with an accounting of all additional charges being assessed/ complete history payment from all Debt collectors used in the past 10 years 6. Commission for debt collector if collection efforts are successful.

7. Default date of Mortgage 8. Proof that the Statute of Limitations has not expired 9. Any Judgments obtained by any creditor regarding this loan 10. Show me that you are licensed to collect in my state ; and 11. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2019-07-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

I have been deffering my property taxes fo 10 years. First with Nations star ( took over XXXX XXXX XXXX   loans as I recall ). As provided by Texas law. And now the loan is with Mr. Cooper. 

For some unknown reason Mr. Cooper paid all of the accrued property taxes ( in error I assume of {$69000.00} ). They indicated they had contacted XXXX county to get a refund because of the error and XXXX county advised it would take 60-90 days to respond. 

In XXXX they informed me they would have to raise my payment from {$1300.00} to {$3100.00} ( {$1700.00} ) I assume to reimburse them for their error. I can not afford that, the reason I was defferring taxes. 

I complined about the action and they responded. And after talking to several representatives. They advised me my payment would remain at {$1300.00}, and the XXXX statement reflected that amount. I have a response stating that amount. 

Today I recived a new statement dated XX/XX/2019 due XX/XX/2019 and the escrow account is $ XXXX. Back to the original problem.. 

My loan number is XXXX. 

I am concerned as I am on a fixed income and can not pay the additional {$1700.00}. 
Why should I be penaalized for their incompetence? 

I understand that everything will be paid when we sell the house and or the owners are deceased. 

Your help or advise would appreciated. 

Respectfully, XXXX XXXX 512 t
Consumer complaint received 2019-07-10
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA (NY)

Marcus by Goldman Sachs was offering a promotion where the terms were to open an account by XX/XX/2019, deposit {$10000.00} XXXX or more of new funds into the account within 10 days of enrollment, maintain these funds for 90 days, the account holder will receive {$100.00} bonus. I fulfilled these terms ; I opened my account on XX/XX/2019, immediately transferred {$10000.00}, kept the funds in there for 90+ days. 

I called into their customer service department to follow-up on my bonus and after multiple discussions, they noted that on their system, it did not show that I clicked on the offer link. Because of this and despite me fulfilling the offer terms, they could not grant me the account bonus. I am very confident that I clicked on the offer link as I even saved the webpage as future reference. Marcus is not fulfilling their end of the advertised promotion.
Consumer complaint received 2015-05-27
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BBVA FINANCIAL CORPORATION (TX)

I opened an account with BBVA Compass to get the promotional offer and since I 'm an employee. Into about the third week of having the card it was continuously declined. I called customer service to see what was going on and when my bill was due. I was told the bill had been mailed on XX/XX/XXXX and that day was XX/XX/XXXX. Around XX/XX/XXXX I realized I never received the statement. Come to find out I was told by someone in the fraud department my social was being used by a man in California. I went straight to ordering my credit report but after some thought about what they advised this could not have been correct since I had opened another account with another company since then with no problem. I requested for my account to be closed around XX/XX/XXXX and was advised the amount I owed. They said the statement should be arriving soon. The following week when I tried to set up an online account to just pay the bill online I kept receiving an error that my zip code was incorrect. After some thought I realized BBVA Compass must have either combined my account with someone else or went in and changed my information to an address in California and this is why I was previously told my social had been used by another person. I spoke again to the fraud department and they stated they reopened my account. I advised them I only wanted to make sure the bill was paid in time before I incurred any late fees or penalties. I was informed of the amount owed and was told I could sent the payment thru inter office if I wanted my payment expedited. Before I make a payment I would also like to be aware of what I am paying and not just send money to a company who changing my account information without my permission. I was also told my account would be updated with my correct address. This was the Monday before XXXX and I just checked again on XX/XX/XXXX and I still can not create an account. It is near impossible to get a hold of the correct person on the phone or even just speak to someone in a timely manner. My husband and I plan to start looking for a house within the year and have been monitoring my credit. I would like to receive a statement prior to making a payment and then close my account. I would also like to file a complaint as well for the actions that have been taken on my account. Please advise.