davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TAYLOR MORRISON HOME FUNDING, INC. (NC)

I wanted to build with Taylor Morrison at their XXXX subdivision. It was the last lot and the sales Manager stated another buyer was waiting to sign a contract. 
Their loan officer had also said I would qualify for an amount of loan I did not think I could qualify for. With the high pressure to sell that last lot and excitement of qualifying for a big loan I made an earnest deposit for {$20000.00} ( XXXX XXXX dollars ). I did not even have the whole 5 % of the sales amount ready which would have resulted to an earnest deposit amount of about {$31.00}, XXXX. 
So, I signed a contract with Taylor Morrison about XX/XX/XXXX of 2020 with the $ XXXX deposit. About XX/XX/XXXX, after reviewing the sketch of the proposed building I sent a clarifying email to the sales agent to understand what I am getting and to emphasize the importance of a downstairs guest suite and one master suite on the main and other things of concern such as dedicated study for work at home capabilities. The sales Manager never replied. Instead I got an email asking me to survey my experience during sales. 
I then indicated that I will not fill out a survey until my questions were answered. 
After that then the agent texted me and said he was on vacation. 
So by early XXXX, the agent said no changes to the proposed building will be accepted and that none of those options can be honored. Then I made him aware that I will have to cancel the contract as the building does not meet my needs. He then said I would lose my earnest money deposit of $ XXXX. Later, I noticed that they asked an attorney to respond to my emails. The attorney stated that Taylor Morrison is not admitting any wrong doings but is willing to give 50 % of my deposit back if I would keep keep my mouth shut. Then I stated that losing $ XXXX is a big deal for me. Then he said I should wait for six months and apply it to another Taylor Morrison subdivision. I said that is reasonable provided the subdivision is in my county and I am assigned to a contact person who knows this agreement and will help me to make it happen. 
Since then, I have sent three emails about two weeks apart to the attorney and no one is responding or telling me anything. Meanwhile, Taylor Morrison has sold the lot I deposited my hard earned {$20000.00} on and yet holds tight my money and yet silent about it despite my several inquiries to resolve this. Please, I need help to recover my money so I will not be homeless. Thank you.
Consumer complaint received 2021-05-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (SC)

Jefferson Capital had called my place of work numerous times. I have looked on my credit report and I have nothing in collections from this company. I also have never received anything in the mail from them. I do not know why they would call my office repeatedly. The office staff tells them I am not in the office. They also are very rude and aggressive with the office staff. I finally called them back and gave them my phone number, not my employers phone number, and they had no record of me in their system. I told them to stop calling my employer. They have never once tried to reach me personally or through mail. I have no idea what this is in regards to, like I said before nothing is showing up on credit reports.
Consumer complaint received 2020-12-07
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: JPMORGAN CHASE & CO. (TX)

In XXXX for the next few months. Got this error logging in " We locked your account to protect it from suspicious activity.To unlock it, call XXXX. '' Contacntryted fraud department to unlock. Employee must've answered security questions wrong. Now I can not login to online banking / use points / etc. Told to go into a branch however I am out of country for next few months. They are offering zero paths to unlock my account over the phone or online. Agents are dismissive when I call now. I have no way of entering account and have money, credit cards, and miles tied up in account until perhaps May when I can enter US again.
Consumer complaint received 2021-02-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation (TX)

I requested a block for these fraudulent accounts UNDER THE 605 FRCA LAW..I sent my FTC AFFIDAVIT AND POLICE REPORT to all 3 CREDIT Bureaus and the creditors Reporting the fraudulent information The fraudulent accounts were removed from my credit report and recently back opened without method of verification and Reporting the fraudulent information to my credit report. I sent letters to the 3 credit bureau in the creditors reporting the fraudulent information.I want this fraudulent information blocked from my credit report within four days under the fcra 605 law and the method of verification for the fraudulent accounts reporting under the FRCA609,611,605 Law act. The Collection Companies did FAILED verify my debt or send in the required documents under the 611 and 623 FCRA THEREFORE the Fraudulent information was removed.. Recently these Fraudulent Accounts reappeared on my Credit Report..I 'm requesting these Fraudulent Accounts be Blocked.
Consumer complaint received 2019-08-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (PA)

My wife purchase two CD 's from wells fargo on XXXX. She died on XXXX of XXXX XXXX. She assured me and her daughter before her death that she never cashed the CDs. As executor of her estate I went to wells fargo, with the original CDs, and they said they have no records of anything. She must have cashed them. I know she never did. wells fargo responds " Since seven years have passed they are not legally responsible for the money anyway. '' After researching this issue, I see wells fargo has done this to Hundreds and hundreds of LIVING people with CD over seven years old. How is this Legal?
Consumer complaint received 2019-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I'm in the market for a new car and I was told to check my credit report before I went to the dealership. I checked my credit report and I noticed a few items that I didn't authorize. These items are not mine and I need these items deleted from my credit report. I'm working on this process on my own behalf. I have reached out to the FTC and to my local police department. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2018-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OH)

1. Shellpoint has failed to correct my loan to comply with a Federal Bankruptcy reaffirmation agreement. 
2. Shellpoint has given false testimony in XXXX XXXX XXXX XXXX Court that I have never paid any payments on the loan since 2011. 
3. Shellpoint has not corrected the escrow account 4. Shellpoint is trying to collect discharged debt calling it a BK fee in the courts and on a payoff statements.
Consumer complaint received 2022-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The President of USA Joe Biden signed a FEMA Disaster Order EM 3589-NY and NY Governor Hochul signed an Executive Order # 24 authorizing all financial institutions to participate in offering financial hardship courtesies to my zipcode XXXX and all others in the XXXX counties called the AFFECTED areas due to huge snow storm. 

Please investigate why the XXXX of BofA has ignored my many requests as well as the President and Governor to give financial courtesies during this Disaster Declaration. 

I personally was hit by a car and have been offwork for XXXX and XX/XX/2022. 

Then on XXXX XXXX, 2022 our entire community got whacked by XXXX FEET of SNOW!!! 

I asked for an adjustment and no one has gotten an answer from the XXXX of BofA. 

Ironically, XXXX XXXX did help the victims of all fires and hurricanes this year! 

Please review my letter request and the proof there is a Disaster!!! 

thanks so much. 

XXXX XXXX ph. XXXX XXXX XXXX
Consumer complaint received 2019-08-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I applied to refinance my mortgage. It took only 34 days to close on the purchase of my house with 2 banks as I have 2 mortgages. I worked with people at XXXX and Union Bank ( UB ) to refinance. After 5 months, still nothing. Expecting my first child, we had expenses to put on credit cards since UB wouldn't tell us how much cash to bring to close and when we would close. We were supposed to close in 30 days, then pay off the credit cards. Instead, because we had to keep the cash to close and it took them over 4 months to move, our credit score went down ( because they were too slow ). We have the cash to pay it off, all we need is to know what card to pay and rescore us. This is a very common thing to do and it takes only 2-5 days. Instead they refuse to do that for unknown reasons. They took too many applications and can't handle the workload. They are too slow and incompetent. After months, all I have is 1 ) lower credit score 2 ) money lost for the appraisal and 3 ) a disclosure from them with the wrong rate on it.
Consumer complaint received 2024-05-13
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: TRUIST FINANCIAL CORPORATION (MO)

XXXX XXXX my warranty check was deposited by Regional Acceptance. The check was wrote out to Truist Bank. I called Truist Bank and they do not have the check in their records, they said because it was sent to Regional Acceptance which is an affiliate of Truist Bank. Now I have been calling both companies since XXXX of last year and I still have not received my check.
Consumer complaint received 2022-04-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX  / {$4000.00} / XX/XX/2022 XXXX / {$6500.00} / XX/XX/2022
Consumer complaint received 2020-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I sent a dispute letter on XX/XX/XXXX through Certified Mail to TransUnion requesting a reinvestigation and the Method of Verification for a bankruptcy reporting against me on my credit profile through TransUnion. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Transunion has been non-compliant and didnt complete the dispute in 30 days. I further remind Transunion as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. I did not authorize a third party provider called XXXX to report this data against me on Transunion. The public record is non compliant, inaccurate, and unverifiable.
Consumer complaint received 2023-01-21
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. (WA)

In XXXX of XXXX due to my now ex-husbands failed business, we filed joint bankruptcy. Since bankruptcy as an individual is not an option when you are married, I had to file as well. 

In XXXX of XXXX, while in the middle of getting a divorce, I petitioned the court to be removed from the bankruptcy. I was granted a Voluntary Dismissal from the CASE in XXXX of XXXX, so that he could proceed on his own. While applying for a mortgage in XXXX, it was brought to my attention that a Bankruptcy XXXX was reflected on my credit. HE asked to have the CASE dismissed in XXXX. The order from the judge usages the language of *his* case and *him* only. 

A dismissed party means that the I am not a part of the bankruptcy case and should not be affected by anything that happens in the case after I was dismissed from it. I called and spoke to the judges chambers, XX/XX/XXXX, and my understanding is correct. I was dismissed from the case, and therefore the case dismissal itself should not be affecting me. 

I have disputed this several times, reporting that there are multiple errors. It comes back verified as accurate every time. It in fact is not and has no less than XXXX errors.
Consumer complaint received 2022-04-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant Mercantile Agency (CA)

I had an eye exam with XXXX XXXX XXXX in XXXX, CA in 2017. They told me that I needed XXXX XXXX XXXX XXXX XXXX and was sent to XXXX in XXXX, CA for the XXXX XXXXXXXX. The billing department at XXXX called my husbands vision care provider XXXX XXXX  for an approval and was accepted. After I had the XXXX, I think I received a phone call from XXXX billing department telling me that the insurance did not cover the procedure. I do not agree with the balance because I was misled by XXXX and agreed with the XXXX  because they told me that the insurance company would cover most of it and I would only be responsible for the deductible.
Consumer complaint received 2022-04-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

Complaint is against PennyMac loan services When I bought my home in XXXX initially, I was told that my loan is fixed and the said amount I am paying XXXX approximately. I was my first time buying a home. Overtime this XXXX has a bad dubious business practice. They continue indiscriminative escalate my monthly payment without justification why my monthly payment continues to increase discriminately. Today as of now the hick to XXXX? The sad practice is that the actual amount that goes to my principal is extremely low. Imagine XXXX out of the XXXX $ dollars goes for my principal. The worst still they have been asking me to refinance my house claiming that will provide me an opportunity to saving XXXX XXXX In other words, they arbitrarily hick the prices then ask me to refinance in other to saving money?
Consumer complaint received 2024-05-12
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

Hello I have multiple American Express XXXX XXXX that I am unable to use anywhere. When I've tried to reach customer service I'm on hold forever- so I keep trying to use them at different vendors XXXX, XXXX, XXXX XXXX, XXXX This has been going on for over a year now. 
There are five cards. The last time I was able to check ( I've tried for over an hour today without success ) I had balances of {$6.00}, {$9.00}, {$17.00}, & {$10.00} on four of them. The fifth one is for {$25.00} however I have not confirmed that balance. 
I have checked on XXXX which is how I found out about this website. Appreciate any assistance. I will not be purchasing any AMEX " gift cards '' as gifts in the future and will definitely be spreading the word on their practices.
Consumer complaint received 2022-04-27
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: Atlanticus Services Corporation (IA)

I've contacted them so many times!! I did not ask to have my card closed!! They reported it to the credit bureau and I can't use my card!! I need them to reopen it! My credit score has gone down because of this!!
Consumer complaint received 2021-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (AZ)

I received an email from a company called MSB Municipal Service Bureau out of XXXX Texas when I called the number they said they couldn't provide any information and they were connecting me to a licensed rep in Arizona. 
1. You don't need to be licensed in AZ to collect a debt.

I looked up the company and it says they are a scam every since my Banroptcy was discharged I've been getting emails and phone calls from this company never providing any information about the debt.
Consumer complaint received 2017-12-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

Have an account at coinbase, after loosing my XXXX-app i have no possibility to get access to my account/money. Resetting the XXXX is offered but it does n't work ( service does not work ) and i 'm still trying it daily but no success. support does n't react, seems like a fraud..
Consumer complaint received 2024-05-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NC)

The issue is that I can't access my account with multiple CDs and accounts totaling ~ {$45000.00}. On XX/XX/24 at XXXX XXXX  I tried to log into my Ally bank account to get my interest statement for filing taxes, and found it was locked and said to call Ally. At XXXX XXXX  I called Ally and they said there was a mysterious issue with my account and that they couldn't fix it. Later at XXXX XXXX  I called back to reach a different person, and they said that they couldn't fix it but that someone would call back the next day to follow up. No one called back. On XX/XX/24 at XXXX XXXX  I called to see what was going on and they apologized and said they were going to work on it. I waited an hour as they tried to fix the issue. Ultimately they ended up saying they were going to forward the issue to IT and IT would call, but I never heard back. On XX/XX/24 at XXXX XXXX  I called back and they finally opened a ticket with IT and gave me a ticket number and said I could call to check on the progress. On XX/XX/24 at XXXX XXXX  I followed up and asked for an update on the IT ticket. They said there were no updates, I asked when I could expect resolution, and they said there was no way to estimate the time of resolution. I am left wondering when I will have access to my account. They suggested I might be able to withdraw some money through my other bank but I couldn't get a clear description of the process. Or, that I could request a check but since the money is in different accounts and I can't see the balances this will be difficult.
Consumer complaint received 2023-02-01
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: Nelnet, Inc. (GA)

Nelnet was put on notice and provided an Affidavit of Truth, Identity Theft Affidavit, Loan Discharge : Forgery Application, and a police report regarding the alleged debt of Federal Student Loans as of XX/XX/2023. I have given Nelnet with 5 days to delete this fraudulent loan from my consumer report and they have yet to follow up nor did they remove the fraudulent. Now ( XXXX ) has informed me that it will take 6-8 weeks to remove an account that is not mine and has hindered my consumer file for years and I am not waiting 6-8 weeks for a removal when this has gone on for YEARS! UNACCEPTABLE! I have provided Nelnet with enough time to gather evident or any other documents necessary prior, this has caused defamation to my character and my consumer file. Exhibit A will provide proof of received document via XXXX. As well as Exhibit B - XXXX with Nelnet confirmed on XX/XX/2023 at that they have received the documents uploaded into their system.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My bank is Bank of America. 

I placed a stop payment hold order on a merchant and then I was charged again by that merchant. 

I started a fraud claim. I was issued a temporary credit and then the temporary credit was removed after they found the merchant " provided adequate information. '' After an hour long call with a fraud department supervisor, I was told they can not find this stop payment hold order in their system. I have an email confirmation of this stop payment order. 

I am out of options and trying to contact anyone I can to resolve this issue. Everybody tells me they can't assist in this. Branch managers, fraud department... everyone. I'm begging for some help to resolve this.