davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Mercedes Benz Financial Services (NY)

I selected a new vehicle to lease and completed all required paperwork on XX/XX/2019 at which time my credit was run with no issue. I went to XXXX on XX/XX/2019 to complete the transaction and pick up my car. Upon reviewing the lease agreement I found that my information regarding my address had been changed without my knowledge and was the incorrect address. The Credit Manager at XXXX informed me that my credit was run a second time, without my authorization, right before I came down to the dealership to pick up my car due to the the fact that he changed my address on file. I requested that he contact the credit bureau ( XXXX  ) to rectify this and was informed he would follow up with me. I never heard from the Credit Manager at XXXX so I followed up with the General Manager on XX/XX/2019 via email who got back to me on XX/XX/2019 and informed me he would look into it and remove the unauthorized and incorrect credit inquiry from my report on XX/XX/2019. The General Manager followed up via email on XX/XX/2019 that he was still working with the credit department. I followed back up on XX/XX/2019 and XX/XX/2019 with no response from the Company.
Consumer complaint received 2019-11-08
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Corporation of America (TX)

On XXXX I received a call from this number at XXXX XXXX  while I was at work. The call was on my cell phone, but still I was at work. The call stated it was a spam risk. Then on XX/XX/2019 at XXXX XXXX  a call from the same number of XXXX came to my cell phone and it was also a spam risk call. I answered the second call and I waited another line rang and the lady stated she was from Financial Corporation of America. I immediately hung up the phone. Please check Financial Corporations response to complain number XXXX. They stated they would not call me or contact me anymore and I have asked them not to and they are still contacting me. Please see attached document.
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I sent a debt validation request letter to XXXX in early XX/XX/2019 about the student loan on my credit report. In return they sent the validation of debt on XX/XX/2019. The information on this letter is incorrect, my social doesn't appear on the contract, and neither does my birthday.Which doesn't validate this debt being mine, being that the information I received is invalid. The amount of the loan is {$2900.00}.
Consumer complaint received 2019-11-08
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. (TN)

I sent a debt validation request letter to XXXX in early XX/XX/2019 about the student loan on my credit report. In return they sent the validation of debt on XX/XX/2019. The information on this letter is incorrect, my social doesn't appear on the contract, and neither does my birthday.Which doesn't validate this debt being mine, being that the information I received is invalid. The amount of the loan is {$2900.00}.
Consumer complaint received 2019-11-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Credit Acceptance, LLC (MO)

I have received nothing but the run around with this company. On my credit report it shows 0 % of my balance paid on this auto loan. No one is trying to work with me on getting this resolved. I paid over XXXX on this car. I want to know if this car was sold and for how much.
Consumer complaint received 2022-03-29
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. (WA)

XXXX experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX WA XXXX ( XXXX ) XXXX Last 4 of SSN : XXXX Unauthorized Hard Inquiries to be REMOVED : XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-12-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC (NY)

Dr Sirs, I Am contacting you in regards to Shellpoint original # XXXX ditech acc # XXXX they have written letter # XXXX that will be attached .In this letter dated XX/XX/XXXX from their recovery dept .that this account will referred for additional collections .from that date have been contacting via phone leaving messages twice a week since then. 
This XXXX # XXXX was DISCHARGED in XX/XX/XXXX with the then note holder Conseco.Furthermore in the decision past down from supreme court of new york county of XXXX county in XX/XX/XXXX with green tree and was granted relief therefore contract is null and void now .They were granted seizure of collateral .Greentree serving llc did not due diligence in perfected the seizure of collateral with XXXX county court and XXXX county sheriff dept as is per New York state law. 
It is further noted in letter that Shellpoint mortgage servicing said to advised that they CAN NOT bring legal action to collect this debt or threaten to do so in state of ny due to statute of limitation has expired however they keep calling and sending mortgage statements .Furthermore they state in said letter that they may report to credit report bureaus. 
As stated earlier that this dept has been discharged in federal bankruptcy court 19 years ago.we no longer have any responsibility for said debt.they are trying to collect on and would be a violation for bankruptcy court.Debt collectors can not try to collect on debts that were discharged in bankruptcy. Once the debt is discharged by the bankruptcy court, the discharge permanently bars the creditor or debt collector from collection of the debt.we have also contacted the credit bureaus to have it removed once already CFPB # XXXX
Consumer complaint received 2019-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

I have a credit score of XXXX. Quicken Loans was my initial mortgage company also. I informed Quicken that I was going to refinance and they offered me refinancing on XX/XX/XXXX to stay with them. I completed application, and provided all documents timely, and almost all documents required, I provided either same or next day. Initially, they promised to pay {$1400.00} of the points, but in the closing disclosure, they changed it to {$920.00}. I tried constantly to change it, but they wouldn't do it. I contacted XXXX on several occasions, and he told me that I should just pay it to avoid delay. I was ready to close since XX/XX/XXXX, and wanted to avoid paying another mortgage payment ( the whole idea was to reduce my monthly P & I from XXXX to XXXX ). I had to make a payment because of their unnecessary delays and incompetence. I lost {$1000.00} as a result of their delays. Please help me in resolving this issue.
Consumer complaint received 2021-11-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

After shopping for a miniature dachshund online at XXXX I emailed the seller regarding a specific dachshund for purchase in the amount of {$500.00}. At this point, the correspondence was email and/or texting. After the seller supposedly dropped off the puppy for a vet clearance, a pet carrier had possession of the puppy for transport via a coupon provided by the seller for a flight. The pet carrier then contacted me for {$800.00} for pet insurance. Unfortunately, at this point, I realized this was a scam. I contacted the seller, XXXX XXXX with XXXX XXXX and he said that 98 % would be refunded to me of this insurance. I declined payment of this {$800.00}. He also said he couldn't return my {$500.00} because he didn't have it. I immediately contacted Wells Fargo Bank as the wire transfer was made through them and XXXX. I filed a complaint with them but they declined the claim as they stated I authorized the transfer. XXXX stated that I needed to go through my bank for assistance. Neither was helpful. Wells Fargo should have been able to reverse the wire transfer with XXXX knowing that this was fraud. They didn't. I also filed an Internet Crime Complaint and a complaint with the FTC.
Consumer complaint received 2020-12-11
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (VA)

I had a VA Mortgage with Wells Fargo. I paid off my mortgage on XX/XX/XXXX. I informed Wells Fargo numerous times, on numerous phone calls, with numerous Wells Fargo Representatives ( to include Supervisors and the Executive Team ) that I want my Escrow Funds to be wired to my XXXX checking account. I was informed by Wells Fargo that, every call with Wells Fargo Representatives were recorded ( so they have proof of every conversation that took place ). I also have three cases with the Executive Team that have yet to be resolved as well. 

Wells Fargo has yet to refund me the {$500.00} that is in my closed Wells Fargo Mortgage Escrow account since the payoff on XX/XX/XXXX. It has been 37 days since they received my payoff via a wire transfer. 

Today is XX/XX/XXXX and they have violated the Real Estate Settlement Procedures Act of XXXX ( RESPA ). Specifically they are in violation of sections 12 CFR 1024.17 ( f ) and 12 CFR 1024.35 ( b ).
Consumer complaint received 2020-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TX)

My XXXX credit report reflects a false collection amount of {$59.00} due to Sequium Asset Solutions, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX for a cable/cellular Charter Communication account that does not belong to me or was ever opened by me. I submitted a dispute via My XXXX and their findings from the company stated the account does belong to me when it fact it does not. Written proof about this account ( such as the original agreement ), was never provided by this creditor and their mailbox seems to be miraculously full when you call during normal business hours. 

I request a full investigation into this matter and expect my credit report to be scrubbed of such falsified reporting information.
Consumer complaint received 2021-08-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/XXXX @ XXXX. I reached out to the company to inform that I had lost my job due to COVID-19 XX/XX/2021. I wanted to be proactive before my payments were late. I explained I had been doing XXXX XXXX  and XXXX  until I found another position and unfortunately had to max out my credit cards to stay afloat. I informed I had found a position but won't get my full paycheck until after XX/XX/XXXX and asked for the payment to be pushed to XXXX. The first representative was extremely rude and lacked empathy. She offered a repayment plan which would have cost me more interest instead of the extension. I have never been late on my payments even when I lost my job I still made sure my navy federal debit was taken care of but with my wife the only one working we are starting to lose footing and I turned for help but the representative treated me as I was asking for too much by skipping two months. I requested a supervisor so that I would not be rude which was a dead end as the supervisor hung up on me. When I called back he then refused my call stating he was in a meeting. The 2nd representative was a little more empathetic and gave me an extension until XX/XX/XXXX but that still doesn't help my situation just puts me in a more stressful one since every XXXX  I make will be put on the debt and I will be without money until the end of the month. This is not how I envisioned being a member and needing help. It was already a struggle to go from making XXXX per year for something out of your control to driving XXXX  and XXXX  just to stay afloat. And to be treated that way is disheartening when I wasn't in collections.
Consumer complaint received 2021-04-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

there was four transactions, in which i didn't make. i reported them as soon as i found out about them, that was XXXX. the claims dept. was closed so i filed a claim on XX/XX/XXXX. they happened at an atm on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. each transaction was for the same amount XXXX dollars. they denied the claim on XX/XX/XXXX. they made a decision in 4 days, 1 of the days was a holliday. they sent me a denial letter stating if i want to reopen the case or if i have more info that could help my claim, to call there claims dept. and i did call, and requested the info they used to make there decision, and to submit a police report. i faxed them a copy of the police report and reopen the claim. they denied me two more times. i have requested the info they used to deny me three different times and they still havent sent to me. The claim number is XXXX XXXX XXXX i have reciepts from faxing the police report to them. i have the denial letters from them. I dont know why they are denying my claim and i dont know what else to do.
Consumer complaint received 2021-04-09
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (WA)

4 months spent contacting them and attempting to get a response from them with complete failure on their part to respond. I was hung up on and ignored, lied to and promised that someone would get back to me. I have now lost the opportunity to refinance at a historic low rate. Due to them ignoring me and lieing to me, I have now past the deadline of locking in a low rate and missed out on saving thousands of dollars. They did not return correspondence from my lender and were not willing to help. We made over 12 contacts with them including 3 way calls and e mails. They were reluctant to put us in contact with someone who was willing to help. My final call was yesterday, where I was on the phone for 4 hours and redirected 3 times to people who simply had no intention of helping me. The call ended when I was hung up on after being on hold for 1 hour and 20 minutes. I was contacted today by my lender for my refinance attempt, XXXX XXXX XXXX, and told that they were giving up and did not know of anything more they could do. They suggested I file a complaint. I was also contacted by Sun Trust XXXX today, they said they were starting an investigation into why I was treated this way. The XXXX  was not calling to assist me in my efforts, which I found odd. I believe that their company stance is to treat people like this when asking to subordinate a second mortgage. My lender spoke with people within the industry and learned that this is common practice with SunTrust. I would like to seek damages from them and would be interested in knowing how to do such a thing.
Consumer complaint received 2021-04-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (MA)

I sent CERTIFIED MAIL/RETURN RECEIPT REQUESTED # XXXX XXXX XXXX XXXX to Midland Credit management on XX/XX/2021. I asked to cease and desist all collection activity, including credit reporting. I have been contacted by XXXX XXXX Consumer Support Services several times after they received my cease and desist letter.
Consumer complaint received 2023-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XXXX my bank acct was taken over by fraudsters - they had access to my account and they XXXX  me ( I didnt get funds ) {$3500.00} but immediately changed it to {$3400.00}. They changed the card, phone # and email I already had on file. I did not do this transaction! There is NO WAY or reason why I would XXXX myself and change all my account info! I dont understand how BOA ruled this as an authorized transaction on XX/XX/22 They are also showing that this fraud wasnt reported until XX/XX/22. NOT TRUE. It was reported within XXXX mins at the local branch who put me on XXXX  phone with fraud division. I was beyond hysterical that day & honestly could tell no one what had happened so I expected a follow up phone call from BOA. Didnt happen & they called it authorized approx 45 days later. How can they make such a determination without further questioning me about the circumstances???? 
I reported my phone to XXXX care as acting suspicious on XXXX and XXXX. My phone was infected giving these fraudsters access to all of my sensitive information..Due to my mental states, I did not have the opportunity to explain this to BOA branch on XX/XX/22
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I asked for the original company to provide me with the account number and information, I was told my account was sold to a different company. I asked this from all three credit companies, TransUnion.XXXX XXXX  these companies have violated my privacy.By fair action law each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of its customers no public personal information according to the law15 USC 6801 they have failed to delete the disputed information that had been requested, By law all debts on my report must be deleted, these errors on my report are stopping me from moving forward in life, and is causing a great toll on me and my children life.
Consumer complaint received 2023-12-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CA)

I received an email from Cash app notifying me that there has been unusual activity on my account, and they have sold all of my stocks. When I logged in, I noticed that there were two IRS refunds deposited, that they claimed " failed '' one for {$1400.00}, and one for {$1200.00}. I asked them why they failed and they said that it is because there was unusual activity and that the find would be returned to the originator in 3-5 days ... but the deposits were in 2020. I asked them why they hadn't yet been returned and what I unusual activity has occured, and why my account was being closed and they refused to give me anymore information.
Consumer complaint received 2024-02-25
Product: Credit reporting 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. (TX)

I am writing this complaint for the following information that appears on my Expuifax consumer report. These inquiries were not authorized and are inaccurate as they tarnish my reputation an which I was unaware of identity theft. I am taking further action to secure my personal information. With 15 U.S.C. 1681 Fair Credit Reporting Act in law I am excessing my right to dispute misleading and unfair information on my consumer report. These laws makes sure consumers are protected and I dont feel protected at all. These inquiries had caused doubt and defamation to my character. 

Inquiry # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXXXXXX, XXXX, Tx XXXX Inquiry # 2XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX  XXXX, XXXX, Tx XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX, XXXX Tx XXXX Inquiry # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, PA XXXX Inquiry # XXXX XXXX XXXX  XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX, MI XXXX Inquiry # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, SC XXXX Inquiry # XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX Inquiry # XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX Inquiry # XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Inquiry # XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Inquiry # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXXXXXX XXXX, XXXX, GA XXXX Inquiry # XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX, XXXX, ND XXXX Inquiry # XXXX XXXX XXXX. XX/XX/XXXX. XXXX XXXX  XXXX XXXX XXXX, VA XXXX Inquiry # XXXX XXXX XXXX  XX/XX/XXXX. XXXX XXXX, XXXX, MI XXXX Inquiry # XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX, MI XXXX Inquiry # XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX, XXXX, Tx XXXX Thank you for your Assistance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation (UT)

Phone representative gave me misleading/wrong information about when I could pay my bill once my promotional rate expired in XXXX. I was advised that it would have until my next due date XX/XX/19 to pay off my balance before accruing interest since the promotion expired after my XXXX 's due date. I see my bill today when I was getting ready to pay my balance off, interest charges. I called 5 times today for almost two hours  on the phone with them and no one wanted to waive those interest charges due to wrong information provided by them. I just paid off my promotional rate balance today. They also processed a debit card payment today XX/XX/19 without my consent. Another poor business practices. They have no notes on my account so I the consumer pay the consequences. All I wanted is my interest charges waived since I paid off my balance but no one helped me. I closed my card today poor customer service.
Consumer complaint received 2023-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

Okay from the date of XX/XX/2023 to today 's date cash app has not refunded me my money that they said would be refunded in two to five business days every time I tried sending money to a family member or friend my transactions were declined for my protection and were said to be refunded to my bank within 2 to 5 business days those days have come and passed and I have not received any refund the amounts are ranging from a {$200.00} transaction to {$600.00} and there's about 22-24 different transactions that this is applied to it's over {$5000.00} that they have taken out in these 24 transactions and were said to be refunded in two to five business days and now they are closing my account saying that I am in violation of the terms and conditions but will not let will not specify what it is that I'm in violation of the terms and conditions and won't speak to me any further about the refunds that they supposedly have refunded my bank has not received anything I have statements for everything proof of all of it I have called multiple times best to speak to a manager and I've been declined that option