davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-15
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX called initially called my Work Cellphone without my consent back in XXXX or XXXX of 2015. 
The company called using a XXXX number. 
I noticed I had previously received calls from this number for a week or so. 
I decided to answer this time thinking maybe it is a potential Customer calling and hanging up. 
When I answered this person very friendly and did not identify who she was until a little further into the conversation. 
After I had given her my Bank Account information so they could take money monthly our of my personal checking account did I realize she was from XXXX. 
I closed that checking account and opened a new one. 
I have received one letter from them complaining about my checkingaccount not having funds and no phone calls I am aware of Lots of negative activity on my credit report at the XXXX Fraud site I belong to. 
Is there anything else they can do to me because I closed that checking account? 
They are hassling one of my relatives right now so, I am a bit concerned if they would have a leg to stand on in Small Claims Court. I feel that this Agent misrepresented herself and never gave this company permission to call my work cell phone before. 
Thank you XXXX XXXX I bet they paid nothing for these XXXX accounts which equal under {$2500.00} together and would be a lot less if they did not add XXXX of dollars in latefees
Consumer complaint received 2021-08-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (OH)

This is a follow-up to Complaint Number XXXX. 

Wells Fargo has again charged my checking account with an unauthorized telephone transfer of {$640.00}. I have written them another letter asking them to continue to investigate my previous complaint and to let them know that another fraudulent incident occurred on XX/XX/. This was the unauthorized withdrawal of {$640.00} from my checking account.
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (FL)

On XXXX XXXX,2019 I applied for credit with XXXX XXXX and received an alert from XXXX stating my inquiry with XXXX XXXX and that my credit score dropped 40 points. I began to thoroughly look through my report to find out what was causing the 40 point drop and found that Money lion reported my account as closed with a 30 day late XXXX 2019. I contacted money lion customer service at XXXX and attempted to resolve my concern regarding 30 day late payment with XXXX who could not help me and when requesting to speak with a supervisor, initially, denied my request. After I made another request to speak with a supervisor he finally transferred me to XXXX, who told me the I had a payment that was not made XXXX/XXXX/2019. I asked him why was no attempts to collect the unpaid amount made and why this my internal payment history reflects timely payments. Also, I asked why was it showing a 30 day for XXXX when my loan was paid off in XXXX XXXX,2019, He could not answer that. ; I then asked to speak with someone on a corporate level and was advised that he would be the highest I could go and that they could not update my credit report but that I would have to contact the credit bureaus and have them dispute the incorrect information. 

I than began to reach out by help request through the website only to receive scripted response. 

Lastly, I am attaching my last credit report pulled that shows I had 12 on time monthly payments with money lion. As of XXXX/XXXX/2019 not only are they reporting I made a payment late 2 months after my final payment. They have also removed positive reporting data from my XXXX credit report for the following months : XX/XX/XXXX - XX/XX/XXXX. 

They have disabled me from being able to print my payment loan history
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TN)

XXXX account ( # XXXX, opened XX/XX/XXXX ). This account has been auto drafted out of my checking account and needs to be removed from my report. 

XXXX account ( # XXXX, opened XX/XX/XXXX ). This account has been auto drafted out of my checking account and needs to be removed from my report. 

XXXX XXXX account ( # XXXX, opened XX/XX/XXXX ). This account was paid in full through the XXXX payment site and needs to be removed from my report. 

( unnamed ) credit record ( # XXXX, opened XX/XX/XXXX ). Health coverage states account is paid. 

( unnamed ) credit record ( # XXXX, opened XX/XX/XXXX ). Health coverage states account is paid. 

( unnamed ) credit record ( # XXXX, opened XX/XX/XXXX ). Health coverage states account is paid. 

( unnamed ) credit record ( # XXXX, opened XX/XX/XXXX ). Account has been paid and needs to be removed from report. 

Attached is a copy of each letter I am re sending to each bureau as well as a copy of my report.
Consumer complaint received 2021-08-17
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: EQUIFAX, INC. (VA)

The consumer reporting agency constantly keeps misplacing my identity theft reports. I have sent it 3 times by mail and each time I call and ask if they received it they say no they can not find it in the system. Then they direct me to send it again I am already dealing with identity theft why would I want to keep send my personal documents through mail if it is constantly being misplaced. The mailing system is not that incompetant. This is absurd, and then they refuse to remove these fraudulent inquiries on my report because they say that they need the identity theft report on file. How many times do I have to keep wasting money sending it to the, if they keep misplacing my documents. The last time I called the representative hung up on me. Since when can you hang up on a consumer? Who is going to be held responsible for misplacing my documents? I am stressed out by this it is such an inconvenience. These fraudulent inquiries need to be removed immediately so that I can move on with my life. 

XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX -XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LDF Holdings, LLC (CA)

I took out a loan with this company called cash Aisle and I realize that The interest of the loan is as to much for me so I called a debt collection for my solution I on what I need to do about this situation. 
I was told that I could put all my bills as one and pay the company Cash Aisle back through my debt solution program i that I enrolled into to help me get out of this debt so there be no bad debt owed on my credit report. 
I found out that Cash Aisle has a negative. Hit on my Clarity credit report which I never even heard of but when I look up clarity service and found my report, there it was a Negative hit against me and I could not understand why would they have this negative hit on my report when I have paid on this account in XXXX and XXXX and have the documents to prove that I made payments on this Cash Aisle account through my debt solution program and there is no I should have any delinquency on my Clarity report and Especially when I have prove that I have been paying on this account for at less two months so why do s it on a credit report call clarity and its reported inaccurate
Consumer complaint received 2019-06-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (WA)

This also fits under the fraud category, but I've already tried to dispute my fraudulent experience with Paypal and they refused to help based on their own policies about money transfers between " friends/family '' vs. business transactions. 

Ultimately, I bought tickets for a very small local show through someone selling on the XXXX discussion page. After texting back and forth, they seemed legitimate and of course after the money transfer was initiated is when it began to appear suspicious. I IMMEDIATELY disputed the transaction with Paypal and considering they said the user wouldn't receive funds until the following Monday ( transaction was on a Thursday ) it seems highly likely they could have cancelled the transaction in time if they cared even slightly about their customers. They closed the case simply because they don't provide purchase protection on that type of transaction. 

Overall, their website needs to do better and take more initiative in preventing this type of fraud. I was told to pay the scam artist through friends/family format and wasn't initially suspicious because Paypal claims this method does not come with additional fees. So yeah, when it's a peer to peer payment it makes sense that they wouldn't want added fees. Well, the first misleading information is that this method does in fact, still come with fees. {$4.00} of additional fees, to be specific. Secondly, they need to do a better job of stating that when sending through family/friends you WILL NOT GET YOUR MONEY BACK. PERIOD. If you care about your customers, spell it out. I did a quick search on their website for customer protection and found a page that made me feel secure with my decision. Well of course, when I go back to the page and read the fine print and details it turns out that my transaction was of course, not covered. 

You're the leading money transferring service in the world. Do better. 

Also, I filed a formal complaint against the user with customer service. All they did was limit his ability to sell, which of course, means he can continue to accept money and scam other Paypal customers. Paypal does the bare minimum to protect its customers and prevent fraud.
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd (CA)

Wise ( TransferWise ) is a scam Please protect people in the US from this scam. 
After we add money to our accounts with Wise, Wise intentionally closes the account ( without any explanations ) and takes the money away. They don't respond when we call them to inquire or appeal. 
There are many recent cases, many people they got SCAMMED by wise. 
Wise victims created a group of XXXX explaining their experience please check the following link for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Group name on XXXX  : Wise ( Transferwise ) Scam Victims Also please check the bad reviews on XXXX website from other victims at the following link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please protect us and help us to get out money back XXXX XXXX XXXX
Consumer complaint received 2020-05-01
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: Experian Information Solutions Inc. (FL)

XXXX  XXXX credit card paid as agree since XX/XX/XXXX it is on experian as charge off this account was deleted from other credit bureaus companies XXXX and XXXX. It has been almost 2, years fighting to get this now with this pandemic I have to suppor my family I am a XXXX  XXXX XXXX i have an exceptional payment history on my credit and due to this issue I haven't got a small business loan by my XXXX XXXX because this charge off shows on my credit report by Experian this is the credit bureau this bank use. Please this XXXX  XXXX credit card was openXX/XX/XXXX it has been 9 years already I am struggling with this issue. I paid this credit card and close the account. I demand this account to be deleted from experian credit reporting agency I demand XXXX XXXX to authorized this.
Consumer complaint received 2020-07-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

On XX/XX/2020 I contacted Shellpoint Mortgage Servicing to request forbearance of my loan in light of the pandemic, unlivable condition of my home as a result of mold from Hurricane Harvey, a lack of running water and working sewage there, and other extenuating factors. Shellpoint refused to allow forbearance or negotiate with me in any way. As a result, the home remains unlivable and they have reported so adversely on my credit that it has suffered considerably. My ability to borrow or obtain new financing has been hurt considerably and I have decreased lending power on account that they will not make a payment arrangement with me and they will not allow forbearance but continue to report very adversely on my credit to the three bureaus. They bankrupted us and then sued to foreclose anyway in XXXX and refused to negotiate under any condition.
Consumer complaint received 2022-04-22
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: EQUIFAX, INC. (CA)

THIS IS A DIRECT RESULT OF IDENTITY THEFT. I HAVE TAKEN THE PROPER STEPS AS REQUIRED BY THE FEDERAL TRADE COMMISSION AND COMPLETED A SWORN AFFIDAVIT FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ).
Consumer complaint received 2015-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

To whom it may concern : I have lived in the XXXX Arizona area since XXXX. I bought my home in XXXX XXXX in XXXX. This home means so much to me since it was my project to have it built from the ground up after a very emotional, messy divorce. I have endured many hardships from that point to now, but I still love my home and I do n't want to lose it. Unfortunately, I might because my lender is trying to foreclose on me. My home is scheduled to be sold on XXXX XXXX, XXXX!!! 

I did have my loan modified in XXXX, but the payment came out too high. From that point on, I have not trusted my lender or the modification process. I struggled but I made those mortgage payments until I started having medical issues in XXXX. I eventually had a XXXX in XXXX. I missed a lot of time at work and had to pay a lot of out-of-pocket expenses ( co-pays and deductibles ). I finally defaulted on the mortgage at the end of XX/XX/XXXX. Because of my poor experience with the last modification, I had no trust in trying by myself to get my loan modified again. I hired a law firm to help, but they got nowhere in dealing with this. 

I am a XXXX. I 've been in this industry for XXXX years, certified for the last XXXX years. When I went back to work after my XXXX, I had to deal with a lot of XXXX. I was falling further and further behind on my mortgage since any payment I sent would not be accepted, and I was n't getting anywhere with the modification process. That led to me being diagnosed with XXXX in XXXX of XXXX. I immediately had XXXX again and then XXXX in XXXX of XXXX. I hope to remain in XXXX now, and I 'd like to now solve my mortgage issue. 

I have not been assigned a single point of contact nor have I been offered any sort of assistance or repayment plan to get my payments on track. I believe that my loan fits squarely within government guidelines. I do n't need nor do I want a handout or anything that I do n't deserve. All I want is a little assistance in getting a loan modification that lowers the payment to a level that is sustainable moving forward. My financial future looks bright and I hope to be past my medical issues. I do n't anticipate having any financial issues moving forward if I can get this resolved reasonably. Thank you in advance for any help you could provide.
Consumer complaint received 2021-08-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A. (IL)

On XX/XX/2021, I received a letter from XXXXXXXX XXXX XXXX XXXXXXXX dated XX/XX/2021 stating that the debt has been retained by Citibank NA so I responded to a letter requesting for validation of debt respectfully. I have asked for this info : -What the money you say I owe is for ; -Explain and show me how you calculated what you say I owe you ; -Provide me with copies of the original instrument of indebtedness that show I agreed to pay you ; -Provide a verification or copy of any judgment if applicable ; -Identify the original creditor ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and -Provide me with your license numbers and Registered Agent. 

but I never received any of these. Also, the amount they said I owe is different from what's on my credit report if it is the account they are talking about, still I want it to be deleted.
Consumer complaint received 2016-10-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Direct Recovery Services, LLC (PA)

Between XX/XX/2016 and XX/XX/2016 my wife and I had a series of communications from various people all claiming to be working for Direct Recovery Services.  These included phone calls from several different area codes (including calls to our son and my father in law via their phone numbers), an email and letter with a Minnesota address.  We asked via phone and email XX/XX/XXXX for complete verification information on the debt so we could look into the matter.  When this was not received by today (XX/XX/2016) I called the number on the letter and asked for the Senior Account Manager who signed it.  I never got a straight answer on if that person was available but the gentleman who answered said she was one of his employees and he could handle everything.  He gave me what I feel was a rushed pressure to settle with them or else pitch.  When I explained we wanted complete verification info on the debt all he could give me was what he claimed to be the date and original bank account on our end for the original debt.  My records and a call to the bank confirmed the account he gave me the number for was closed almost 2 years prior to the date he had in his records.  When I called back with this info I had a shorter, more rushed conversation that ended with the rep hanging up on me.
Consumer complaint received 2023-01-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX inaccurate account reporting on my credit reports. Corporation reports another entity owns the loan. They dont have permission to report it on my credit profile. Either one is not supposed to loan credit aggravated identity theft. 18us1028a.
Consumer complaint received 2021-11-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (DC)

I sent a letter for verification on XX/XX/2021 for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX per the FCRA 1681. Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts.

I have yet to receive a response to my verification letters. It has been more than 45days.
Consumer complaint received 2021-11-02
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. (NY)

report in accurate information says i had late payments XXXX and XXXX of XXXX & a repo in XXXX of XXXX. This is incorrect and wrong If you can see on my bank statements i have paid for XXXX in the XXXX statement I paid $ XXXX on XX/XX/XXXX and I paid $ XXXX, for XXXX on the XXXX of XXXX and XXXX i paid for that on the XXXX of XX/XX/XXXX I paid $ XXXX.
Consumer complaint received 2023-01-13
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: GOLDMAN SACHS BANK USA (OR)

Hello, On XXXX XXXX XXXX I woke up and saw that two unauthorized charges had been made on my Apple credit card at XXXX XXXX, one for {$310.00} and one for {$310.00}. I reported both these charges and froze my card immediately. Apple said they would dispute them and would get back to me in 90 days with the decision. Yesterday ( XXXX  ) I received an email saying that they had determined the charge for {$310.00} was fraud and I received a refund to my credit card. Today ( XXXX ) I received another email for the {$310.00} charge saying that they determined it was not fraud and I was responsible for paying the full amount. I re-disputed the charge and was informed that it will be another 90 days until I hear back. Their policy states that no one is responsible for any unauthorized charges to their card, which was both of those purchases. I do not understand why one was determined to be fraud and the other wasnt when they were both made at the same time with what I am assuming was my stolen credit card number. I also am extremely concerned about this and will not be using my Apple card ever again because I do not want to be held responsible for potential fraud charges. Ive had this card for over a year now and this is the first time Ive ever had a fraud charge on it.
Consumer complaint received 2019-06-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion is reporting incorrectly that I am ( 120 ) days past due on the US DEPT OF EDXXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 11, 15 and 16 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.