davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (GA)

Subject : Debt Validation Request Dear SUNRISE CREDIT SERVICE, I am writing to formally request validation of the debt referenced in your records under account number XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request documentation that verifies the existence and amount of the debt you claim I owe. 
Please provide me with the following information : 1.Validation of the debt : A detailed statement of the amount owed, including any fees or interest.

2.Proof of ownership : Documentation that proves you own the debt or have the authority to collect on it.

3.Account history : A complete account history that reflects all payments made and any adjustments made to the account.

4.Original creditor information : The name and address of the original creditor, including the original account number.

Additionally, please be aware that under FCRA 609, I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. If you are unable to provide the requested documentation, I expect that you will remove all negative entries associated with this account from my credit report.

I appreciate your prompt attention to this matter. Please respond within 30 days to avoid any further reporting of this account to credit bureaus.
Consumer complaint received 2024-11-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance regarding an issue with the management of my escrow account by Select Portfolio Servicing ( SPS ). My escrow balance as of XX/XX/year>, was {$6100.00}. After making my regular loan payment on XX/XX/year>, including an additional {$540.00} escrow payment, the account should reflect a balance of {$6600.00}.

However, SPS disbursed a late tax payment on my behalf and deducted an additional {$6.00} from my escrow account due to their own negligence. This error violates the terms of our agreement, under which SPS is responsible for managing my escrow account in a manner that avoids penalties and fees. As such, any late fees or penalties due to SPSs failure to disburse payments in a timely manner should not be my responsibility.

I am requesting that the {$6.00} be reimbursed to my escrow account and that a sanction be placed on SPS for their unwarranted handling of my escrow funds. I have sent SPS multiple emails about this issue and have also contacted them numerous times by phone. I have recordings of these calls, which I believe clearly demonstrate SPSs predatory practices, aimed at undermining my property ownership.

I am hopeful that the CFPB will address this matter and take appropriate action to prevent further misconduct by SPS.

Thank you for your attention and assistance.
Consumer complaint received 2024-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (MI)

XXXX {$75.00} XXXX {$310.00} I have tried to redeem my reward points towards my statement balance at first the amount I redeemed gets decreased from my bill then right after they charge me the same amount that I tried to redeem. 

I have reached out to Synchrony Bank multiple times spoke to different agents as well as supervisors and they were no help at all it took me days to explain to them the issue until they finally realized what happened and then I filed a dispute which they investigated and declined my request. 

there are more incidents before these dates above but these are the ones that caught my attention and how I found out they have been doing this to me all this time
Consumer complaint received 2024-11-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (TX)

I received a text message from Truist fraud department on XX/XX/year>. Asking if I authorized XXXX toll to debit my account. I replied no. I called and canceled my card. They said the charge would not go through and still did. Then another charge from XXXX on XX/XX/year> after XXXX days and my card being cancelled went through. I called and told them I did not authorize that charge. I asked to speak to a us based representative and a manger they said they put in the not red for the dispute department and I should get it back. I never got anything in the mail from Truist requesting or providing me detail information. I explained I had several issues with the merchant and they are well known for doing this to customers. My account is now negative. And I cant access the funds I had in the account before.
Consumer complaint received 2024-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/year> I transferred {$720.00} which totaled to be {$710.00} after the instant transfer fee ffrom my XXXX account to wells fargo. the next day wells fargo reversed the deposit because they thought it was fraudulent. I have been back and forth with XXXX and wells fargo. XXXX still has not received my money. Wells fargo refuses to provide any proof the funds were returned. The case was escalated to wells fargo excutive office. I have not received my money back yet. It has been well over a month and wells fargo is refusing to help me. 

Update : wells fargo still has not corrected the problem they said they sent the money back to XXXX. I talked to XXXX the issuing bank for XXXX and they said they haven't received anything from wells fargo. Wells fargo refuses to procide any proof that the money was sent back to XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc. (GA)

Good afternoon! I made XXXX payments of {$400.00} to this card in the month of XXXX and it does not appear on the credit report. The amount owed does not match the current amount.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am requesting an severely investigation 15U.S.C 1681c upon capital one with an Account that is paid in full from 2017 that is still reporting inaccuracies on my XXXX credit report .other Credit reports does not obtain this capital one from 2017 on my credit report .I also reached to capital one during to the data breachi was not nofited or contacted ... it is unlawful change in deliquency dates, misreported active payment history showing repeated c/o showing close accounts ..Due to statue of Limitation i would like to have capital one from 2017 Removed off my credit report It's afftecting my ability to get credit /Obtain a Home
Consumer complaint received 2024-11-02
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: M&T BANK CORPORATION (IA)

Unauthorized calls to family members asking about acct opening of credit cards. Informed that another acct was opened XXXX different branches XXXX being a credit card. Etc. they have my family members phone number who is not listed on any of my accounts let alone reports anywhere. I was unsure of what to select because theres a fraudulent issue within the company that is going on involving the use of my ssn possibly from other banks sharing info amongst XXXX another and someone opening an account in my name and the interactions had esp with them calling a family member of mine when they shouldnt have this info. Its not listed anywhere on any account or report.
Consumer complaint received 2024-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I asked the mortgage servicing company many times to pay the property taxes and was now due on XX/XX/XXXX and they have refused to act on it. I am incurring late fees and penalties with my municipality.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Entrata Inc. (FL)

My social security is not tied to the address thats on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. I never lived there. Look up my real social and stop going by what someone put on a piece of paper. I can give you my social. But I need that address off my credit because it is not me! It hindering me from getting a place for me and my XXXX kids!
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

Synchrony Parkwest art credit card We have bought art on promotions and When I have called to make sure the money I am paying is going to the promotions toprevet occurred interest they say they have a note in the system and have designated it for that but when I call back and check, theygive me a different story. I feel they do this on purpose to charge us high interest It is so frustrating I am hoping you can help
Consumer complaint received 2024-10-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc (PA)

In XXXX I was applying for Jobs.Then a company called XXXX XXXX XXXX XXXXXXXX XXXX XXXX was texting me to join.A first I was having a feeling this Company was a Joke/Scam because they was telling me stuff that didnt sound TRUE.Then I gave it a Chance and didnt know that they were going to effect my Credit knowing I didnt have any money at all.I tried it out and was an Appointment Setter for a Month then realized they werent going to pay me.Then they kept telling me they were going to pay me basically to stall and was my time of reporting them which helped because 50 days later I tried to report them then Affirm told me I was to late and its on Me to pay them.I kept trying to tell Affirm that Scaling with Salers I was expecting to get my money but they never ever paid me for my Service and Loan.So basically to make long story short I was expecting to make money to repay my loan and better my life but I never did after a month-5 months now.Now Im struggling to get it off my account because the company is saying Im responsible knowing Honestly I never borrowed a loan as big as $ XXXXIm just having trouble solving the problem because 1 IF I know they were SCAMS which they are I wouldnt even talked to them.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc (AR)

I received a phone call from XXXX XXXX XXXX, asking if I had purchased items from an XXXX XXXX XXXX  store in Florida. I live in and was presently in Arkansas. I said " no '' I did not open a credit account with Affirm to purchase items from XXXX XXXX XXXX. 

The person then called back and asked for information ( so as to close the account ) and cancel the credit application. 

I received several emails and text messages from Affirm but asked them to stop calling and texting me & they continued to send messages and texts to my husband and me. 

We both contacted Affirm on speaker phone 4-5 times, asking them to remove the charges since we didn't buy anything. Each time we asked to speak to their supervisor since they never successfully closed our account. It has continued from XXXX through XX/XX/year>.
Consumer complaint received 2024-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (FL)

On XX/XX/XXXX, I received an email from the company noting that I needed flood insurance. I contacted my insurance company, and proof of my insurance, as well as proof that I am not located in a flood-prone area, was sent to LoanCare mortgage company on XX/XX/2024. The insurers provided documents from XXXX showing that my area had less than a XXXX XXXX chance of flooding as such I was not mandated to have additional flood insurance. 
Still, on XX/XX/XXXX, I was sent a letter informing me that XXXX purchased {$250000.00} flood insurance. My mortgage with this company is XXXX. This will increasing my mortgage payment by more than XXXX a month which, I can not afford. I have contacted the mortgage company again with no resolution. 
My insurance company again sent Loancare proof that the property is not located in a flood prone area, still Loancare insists on my having to purchase this exorbitant amount of insurance that I can not afford.
Consumer complaint received 2024-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

On XX/XX/year> my monthly student loan payment was taken out of my account via autopay in the amount of {$450.00} through the company MOHELA. On XX/XX/year> I was notified my account was past due despite having the money taken out on the exact due date. I called them on XX/XX/year> and sent them a statement of my bank account listing the money they took out. I was sent a statement from them saying they were researching the matter. I have called them on XX/XX/year> and XX/XX/year> being on hold for XXXX hour at a time and despite them saying theyre looking into the matter and can see I paid my bill it has not reflected in my account and I am getting emails from them saying my payment is past due. I called them yesterday ( XX/XX/year> ) and did not receive a call back despite requesting one from their automated service. This has been over a month now of me having to continually reach out to them with zero guidance on what is going on with this issue. I now have less than 60 days now before a payment I made is reported as past due to the Federal Credit Bureau which would negatively affect my credit score as they report anything 90 days past due them.
Consumer complaint received 2024-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

Two unauthorized ACH transactions were charged to my Wells Fargo business account ending XXXX on XX/XX/year>. The first electronic payment between businesses of {$100000.00}, Merchant name XXXX XXXX XXXX XXXX XXXXXXXX, and a second charge of {$95000.00}, a Total Charge of {$200000.00}. Wells Fargo was notified on XX/XX/year> of the unauthorized charge and I received a correspondence from Wells Fargo acknowledging the reported inquiry/dispute. 

Wells Fargo has responded stating that their investigation is complete and the claim is closed. Wells Fargo stated they would not reimburse the fund due too much time had passed before the fraudulent transaction was reported. They state the dispute must be reported in two business days. It occurred on XX/XX/year> and was reported on Saturday, XX/XX/year>. The second business day would have been XX/XX/year> and that requirement was met as required. A documented email reply from the Wells Fargo Fraud Department was received on XX/XX/year> as evidence. The two business notifications were satisfied, XX/XX/year> was the second business day.
Consumer complaint received 2024-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/XXXX, I received a text from what I thought was my bank, asking if I had authorized a wire transfer. I replied " No '' and within seconds, my phone rings and caller ID said " Bank of America '' so I answered. The man ( american accent ) said there was a suspicious wire transfer attempted from my savings account. To summarize, during the two hours I was on the phone with him, he said he was transferring all of savings balance to checking and locking that account. He said it wouldn't show up on my online dashboard and I logged in and sure enough, I didn't see anything and told him so. I asked name, which department and everything. He always had an answer and since my phone said BOA, I appreciated the lookout. While I thought I was on hold to talk to a fraud manager, he said he didn't want to make me wait any longer and that I would get a call back. When a few days went by, I called the bank to check on everything and found out that it wasn't the bank I was talking to. They helped me start a claim but said the since it was a wire transfer, I probably wouldn't get the money back. I went to a branch location to open new accounts since the accounts affected were for my business. The clerk sent me a security code while in his office and it came under the scammer message I had received. I showed him and he didn't know what to say. He said he had never seen a fraud impersonate the bank so deeply and even went on to suggest that the person was an EMPLOYEE or former employee because of all the knowledge this person seemed to have! He showed me the transfer on my transaction history and showed it went to a person called " XXXX XXXX '' at XXXX XXXX. I got a letter in the mail on XX/XX/XXXX from the bank and they informed me they closed my claim and stated/claimed " Our investigation found that the transaction in question was completed using a device that is consistent with previous valid account activity. '' So my conclusion is that the scammer hacked my device while on the phone and sent it from my online banking on my phone. I am begging you, please, please help me with the bank to get my money back. We have only banked with BOA since my wife and I got married in 2008. I am an honest, hard working man just trying to earn clean money and support my family. Almost {$10000.00} is an astronomical amount of money for my business. I have already filed with FTC and plan on also contacting my XXXX Attorney XXXX office for help as well.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

This letter is my final communication regarding your claim that the information below has been " verified '' and that the information being reported by the furnishers is accurate. 
Account Name : XXXX  XXXX Account Number : XXXX  I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ). Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). In absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for " negligent non-compliance ''. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damage under FCRA Sections 616 and 617.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. These unresolved issues are severely impacting my ability to move forward with my personal and financial goals. Due to these discrepancies on my credit report, I am unable to secure an apartment, purchase a new car, or establish healthy credit, which is limiting my opportunities for stability and growth.