davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
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. (NJ)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2016-01-29
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (VA)

I sent {$250.00} to an elderly relative in XXXX. When they went to pick up the money at XXXX in XXXX, XXXX, they were informed that the money had already been paid out. My uncle never received it and obviously the Bank did not check that the whomever received it had the proper identification. Ever since I started the complain, XXXX has been sending me back and forth to telephone Representatives with no power of decision. I eventually talked to an " Investigator '' who afterward did not respond my calls. Today, more than a month after sending the funds, I still can not recover them or have them disbursed to my uncle.
Consumer complaint received 2016-01-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (GA)

The mortgage company is charging me for home insurance that I already have. I have proven several times that I have insurance and have paid only my monthly mortgage payment. They are charging late fees, have ruined my credit and now threaten to foreclose. This has been going on for several months. I met with a lawyer who reviewed my information and has agreed that the company is giving me the runaround. They call me daily to collect monies that I have proven that I do not owe. I have complained verbally and by written letter sent certified mail. They will not call me about this and refuse to meet with me face to face to explain why this is happening. They lawyer will charge me {$2000.00} to sue and claims that it will cost {$4000.00} before it 's over. Can you please help me? I can not believe that this is something that they can get away with. At this point I plan to take monies from my hard earned XXXX to pay off the loan but I can not do this until they agree the remove the fees and restore my credit. I can prove my case with paperwork and recorded phone calls. The company is Seterus , Inc .
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (MI)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 IT also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B A creditor may no treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-11-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group (TX)

Received a letter today XXXX XX/XX/XXXX that Cause number XXXX Velocity Investment LLC XXXX XXXX XXXX I am being summoned to appear on XX/XX/XXXX because I am being sued by the debt collector company Velocity Investment LLC
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (CA)

Shellpoint mortgage incorrectly reported a 60-day late payment for the month of XX/XX/year> to all three credit agencies. Shellpoint has reversed the late payment for my son ( XXXX XXXX ), but not myself. I am requesting that Shellpoint Mortgage reverse the incorrect late payment to all three credit agencies as soon as possible.
Consumer complaint received 2024-11-17
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: Experian Information Solutions Inc. (MA)

On XXXX I received an email that my Experian profile information had been updated. I did not do this and was unable to log into my account so I contacted them by phone & was informed someone opened a XXXX XXXX XXXX account. On XXXX a case # was opened and established. On XXXX I uploaded the requested documents online so my information could be validated and login information updated. On XX/XX/XXXX I followed up with a phone call to check progress & was told it could take a few more days. On XX/XX/XXXX I called again to check progress. During all phone calls, I was redirected numerous times to several different departments, none of which were able to assist me in updating my username, password, phone number, and email address - all of which have been changed unbeknownst to me. I had an XXXX agent assist me on the call, which lasted four hours. This is a problem that was established on XXXX and as of XX/XX/XXXX there is no resolution and accounts are being opened and/or attempted to be opened using my credit report. Along with the XXXX XXXX  account that I'm being told is active, there were XXXX XXXX and XXXX XXXX accounts that were able to be halted. During the phone call on XX/XX/XXXX, my XXXX agent and I were transferred and re-transferred at least a dozen times to departments that were ultimately unable to help, claiming that they needed to send a one time code to either the email address or phone number on file - both of which I can't access due to someone changing them in their system.
Consumer complaint received 2024-11-18
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (IL)

I disputed directly with the bureaus on XXXX & XXXX about the inaccuracies of the late payments. On XX/XX/year> I sent a letter directly to Shellpoint Mortgage ... ... XXXX asking for verification and to update the status of my credit report to current/paid on time, but it's still reporting as late which is inaccurate.
Consumer complaint received 2024-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (MI)

I recently opened an account with Citi and completed the required steps to verify my personal information. I also provided my contact information, including my telephone number ( XXXX ) and email address ( XXXX ). After opening the account, I deposited checks via mobile check deposit, waited for them to clear, and then used XXXX to transfer money to my wifes account since I have not yet received a debit card and there are no Citi branches in my area. 

Initially, there were no issues with these transactions. However, after receiving a XXXX payment of {$650.00}, I sent {$310.00} from that amount to cover a bill. While Citi shows the transaction as completed, the funds never arrived in my wifes account. As I tried to resolve this issue, I suddenly lost access to my online account and was instructed to call the fraud department. 

When I contacted the fraud department, I experienced extremely poor customer service. Representatives were dismissive, unhelpful, and even mocking. Despite my ability to verify my Social Security number, drivers license number, and other personal information, I was unable to verify my debit card number because I have not yet received it. This is precisely why I had been relying on XXXX for transfers, all within the allowable limits. 

Additionally, Citi informed me that they could not verify my phone number, even though it is registered in my name through XXXX XXXX XXXX and was the number I used to sign up for the account. They also claimed my email address couldnt be verified, despite the fact that I received fraud alerts at this same email and used it when opening the account. 

As a result, I was told that I would have to wait up to XXXX business days to receive a code in the mail to regain access to my account. This delay is unacceptable, as I urgently need access to my funds. The situation has caused significant financial hardship and disrupted my ability to manage essential expenses. 

Throughout this ordeal, Ive faced repeated challenges : Customer service representatives have been rude, refused to provide their names or employee IDs, and hung up on me multiple times. 
Ive been told on at least XXXX calls that the system is down, and the call ends abruptly. 
Attempts to escalate the matter to supervisors have been consistently denied. 

I have made every effort to cooperate and offered to verify my identity through other means, but the resolution Citi has proposed ( sending a code via mail ) is not viable given the circumstances. I need immediate access to my account and my funds to avoid further financial and personal hardship. 

I urge Citi to address this matter promptly and fairly.
Consumer complaint received 2024-11-17
Product: Credit 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: WELLS FARGO & COMPANY (TX)

To whomever this may concern, Regarding reference # XXXX Account ending in XXXX I attempted to make an on-line single purchase using my Wells Fargo debit card ending in XXXX for the amount of {$63.00} with an international clothing company, XXXX ( also known as XXXX ) on XX/XX/year>. However, my Wells Fargo debit card was rejected/decline on three attempts per online message received at time of checkout. I then proceeded to use an alternate means of payment utilizing XXXX pay in 4 loan instalment agreement. In which payments of {$15.00} would be deducted from my XXXX XXXX XXXX credit card ending in XXXX every 2 weeks for a total of 4 payments-until {$63.00} paid in full. On XX/XX/year> I logged into my WF online banking account to discover there was three duplicate transactions of {$63.00}, {$63.00}, {$63.00} from clothing company XXXX totalling {$180.00}.
Consumer complaint received 2024-11-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (PA)

Direct deposit sent to my acct on XXXX and they are not crediting my acct to the 2 day advance advertised promises. They hold it and dont deposit it until late evenings or days later. When it is supposed to be in my acct by midnight XXXX per every XXXX weeks. XXXX always replies with auto replies copy paste replies that are not specific or resolving. They then suggest waiting longer for It. No I will not wait longer times for it. Suppose to be in my acct as they advertised 2 day advance and by midnight every other XXXX. It is also confirmed that the funds were sent long before and XXXX chooses not to deposit into my acct. Tired of asking XXXX to fix this and they dismiss this. They cause so my inconvenience and time consuming frustrations and messing with automatic payments replying on this direct deposit deposit that does not happen on the day time It should
Consumer complaint received 2024-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO Bank, N.A. (WA)

I made a payment of {$59.00} on XX/XX/year> for my credit card account through BMO. My bank does not show it as returned. However, I received a call today saying I need to call them regarding an urgent matter. I checked my account and it showed my payment was returned due to insufficient funds. I then checked my banking app, there was over {$200.00} in my account at the time of processing which was XX/XX/year>. I had to redo the payment over the phone. Then I asked my bank why it was returned. They stated it was not returned on their end. I attempted to get late fees reversed, they refused even though I have not been late on any payments with this company before. They are charging me {$29.00}. My payment was made on time with plenty of money in my account. I am starting a investigation with my bank as well.
Consumer complaint received 2024-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

Newrez mortgage service took over my loan about 1 year ago. They stated that I did not have home insurance and that they would have to put me with lender placed insurance if I did not provide proof of insurance. I had insurance and provided proof through their web portal and by email multiple times. Newrez added lender placed insurance anyway. I then had my insurance company make contact and send proof as well. Lender placed insurance was removed but the escrow account remains and my mortgage bill is approximately {$300.00} more each month than it should be. I can no longer afford that extra amount.
Consumer complaint received 2024-11-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (UT)

Sunrise credit services randomly sent me a bill for collections from a medical bill I received from XXXX XXXX XXXX. The hospital sent me a different date to pay bill before going to collections. The sunrise company link and phone number do not work. I DO NOT trust this company, they have scammed people in the past. 
They have called repeatedly at odd hours of the day/night and hang up when I answer. 
I have no idea what the collection is really for.
Consumer complaint received 2024-11-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (FL)

MESSAGE FROM BUSINESS : Velocity Investments , LLC ( Velocity ) acknowledges receipt of the consumers complaint. Velocity purchased this account in good faith and for value. As a result of the complaint a member of our Compliance Team investigated the allegations. This account is being serviced by the law firm, XXXX XXXX XXXX XXXX XXXX. An initial demand letter was sent to the consumer onXX/XX/2024, and suit was filed on XX/XX/2024. A dispute has been noted on the account and verification documents have been sent to the consumer. Should the consumer continue to have further questions or concerns we invite them to contact XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX to discuss the matter further.
Consumer complaint received 2024-11-16
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A. (NY)

Dear Sir My friend bought a Macy 's gift card for me from the XXXX XXXX on XXXX XXXX, 2024 worth {$150.00}. I called Macy 's at XXXX to check the balance. They confirmed it was {$150.00}. However, when I went to Macy 's to use it to buy something, they told me that the Card has {$0.00} in it. They confirmed that the money was loaded on it but was redeemed on XXXX XXXX, 2024. 

I never gave the card information to anyone other than the Macy 's helpline to check the balance. I have the physical possession of the card. I never parted with the card. 

Macy 's says that something went wrong so I should go back to XXXX to get a refund. XXXX says that card was issued and I should go back to Macy 's. I am not sure what to do now. Please help me out.
Consumer complaint received 2024-11-15
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/year> hurricane XXXX caused 2 trees to fall on our home causing damage to the roof, side walls, ceiling and flooring. We filed a claim with our insurance which we then quickly received response from adjusters who came to assess the damage and send a check for repair. The check was signed by my husband and myself, but the bank where our loan is through, Wells Fargo, also needed to endorse the check. When we went to Wells Fargo to have the check endorsed, Wells Fargo informed us that we would need to fill out an affidavit and fax it to their property loss dept and then they would sign the check. When the affidavit was received by the property loss dept, the property loss dept with Wells Fargo then informed us that the contractors who were fixing our home would need to fill out XXXX forms, send in licensing information or liability insurance forms if they did not have a license ( in North Carolina if the cost is less {$30000.00} by law a contractor does not need a license ) and waivers of lean. Those items were submitted by the contractors themselves and once all of that information was submitted we were informed that we could have Wells Fargo 's inspector come and submit the information that the work was completed and as long as it was at least 70 % that the contractors would be paid. We were informed by property loss with Wells Fargo that when all of the paperwork from the contractors was submitted that the inspector would be calling to set up an inspection, and that the inspection was the last thing needed to get the insurance check endorsed. The inspector for Wells Fargo came on Wednesday, XX/XX/year> and submitted that the work was 95 % complete. On Friday, XX/XX/year> we called property loss at Wells Fargo to inform them that the inspection was done and we asked about endorsement for the check, to which property loss from Wells Fargo informed us that they needed information that had already been submitted 2 weeks prior. We were informed the only way to get the inspection was because everything was submitted and they are continuing to deny endorsement on our insurance check preventing us from paying the contractors who have finished their work.
Consumer complaint received 2024-11-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (TX)

I received a letter from XXXX XXXX XXXX XXXXXX/XX/XXXX alleging that I owe {$2000.00} for XXXX XXXX from XXXX XXXX XXXX XXXX, XXXX on XX/XX/XXXX. Having never received an invoice from XXXX XXXX XXXX XXXX, XXXX for this amount I asked for an itemized invoice proving that I owe the amount. XXXX XXXX XXXX  did not provide an itemized invoice or anything from XXXX XXXX. Instead, they sent me a letter from XXXX XXXX simply indicating the amount owed. Furthermore they flagged the account as delinquent in all three credit agencies. 

If XXXX XXXX XXXX is claiming that I owe said medical debt then they must provide me with an itemized invoice. 

I have contacted the billing company for XXXX XXXX. They said they assumed billing for XXXX XXXX in XXXX and did not have access to the records prior to them taking over. Their phone number is XXXX. 

I contacted the prior billing company and they said they no longer have access to those records. Their phone number is XXXX.
Consumer complaint received 2024-11-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (FL)

XXXX at XXXX XXXX XXXX XXXX XXXX XXXX called my mothers phone number XXXX attempting to collect a debt in my name, Account number XXXX. XXXX XXXX at XXXX {$780.00}. Service rendered at the address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX phone number XXXX. I called the fraud number and spoke with XXXX and she advised me to call the collections agency back to obtain the XXXX account number. An agent provided that XXXX account number XXXX XXXX. I was advised to email XXXX or fax a copy of my Drivers License and Social security card. I dont trust them. I was told by both the collections agency and fraud department supposedly, the account was open XX/XX/XXXX, and reopened XX/XX/XXXX, disconnected XX/XX/XXXX and XX/XX/XXXX collections. I was told it was Mobile service. I went online to lookup the address and XXXX XXXX XXXX came up phone number XXXX.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (CA)

Shellpoint mortgage incorrectly reported a 60-day late payment for the month of XX/XX/year> to all three credit agencies. Shellpoint has reversed the late payment for my husband ( XXXX XXXX ), but not myself. I am requesting that Shellpoint Mortgage reverse the incorrect late payment to all three credit agencies as soon as possible ( XXXX and XXXX ).