davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Selip & Stylianou, LLP (NY)

I received an " Income Execution '' in the mail from my Local County Sheriff 's office on XX/XX/XXXX. the Amount says {$10000.00}. I called the Sheriff 's office to ask if this real and who was trying to enforce this. They said there was a judgment on XX/XX/XXXX for the amount of {$5500.00} against me filed on XX/XX/XXXX. they gave me the Dedt Collectors information as Selip & Stylianou , LLP in XXXX NY. I called the firm and reported fraud based on them telling me it was from XXXX XXXX XXXX for a XXXX XXXX XXXX  Visa card. I looked up XXXX XXXX and said they went bankrupt in XXXX. I never shopped or had an account with XXXX XXXX.The dept collector said that they would put the account on hold and investigate the fraud. I never heard back from them nor did the Sheriff 's office until late XX/XX/XXXX. The Sheriff 's office told me to call the debt collector to follow up which I did. They sent me a letter on XX/XX/XXXX to return documentation. Certificate of Fraud, State ID, Proof of residence as of XX/XX/XXXX, Police report, Prior letters disputing the debt. I never knew about this until XX/XX/XXXX so there was no police report or certificate of fraud. They keep demanding a deadline to send this information to them. thank you XXXX.
Consumer complaint received 2016-05-22
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Prosper Marketplace, Inc. (CA)

1. This loan ( from Prosper Company ) was not strictly a mortgage. It was a debt consolidation loan for {$15000.00} and the rate promised me was 15.41 %. They took out 5 % of the loan as some sort of fee which made the loan amount {$14000.00}. At a three year rate of paying {$520.00}. a month I will be paying a total of {$18000.00} which is an interest rate of 24.6 %, ( based on the total loan amount of {$14000.00}. ) not 15.41 % as promised. At that rate I never would have taken the loan. It is the same exorbitant rate the credit card companies were charging. 
2. I would like the {$750.00}. ( origination fee? ) returned to me. And I would like them punished for dishonest business practices.
Consumer complaint received 2020-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (MD)

I've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Transworlds Systems. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2022-11-19
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. (TX)

I I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the XXXX XXXX XXXX and filed a complaint XXXX.
Consumer complaint received 2016-10-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (CO)

My home was damaged by a hail storm on XXXX/XXXX/2016. My insurer XXXX XXXX sent an adjustor and issued a check for {$34000.00}. The check was payable to my wife and me as joint owners and Roundpoint Mortgage Servicing Company who services the mortgage on the property. Round point required we endorse the check and send it to them along with a long list of documents. Having no choice even though we anticipated trouble, we endorsed the check and sent it to them with many documents. The work is now complete and the contractors have been paid. We have sent Roundpoint a copy of the insurance adjustors report, notarized affidavits from both the roofing and the painting contractors affirming the existence of a contract and waiving their rights to liens on the property, XXXX for both contractors, quotes for the work from both contractors, and paid invoices for both contractors. Nonetheless Roundpoint refuses to release the funds. I am sufficiently upset with them that I will pay off the mortgage when this issue is resolved and have asked them to apply the funds in question to my outstanding balance. They have refused to do that as well. The whole problem smacks of a scam to hold the money interest free for as long as they can. Their requirements are completely unreasonable. Anything you can do to get these funds released will be much appreciated. Round point 's address is XXXX. XXXX XXXX, XXXX, NC XXXX. Phone number is XXXX. Thank you for your assistance.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation (OR)

I have a Fortiva Credit Card. I have requested a replacement card multiple times and have not received a working credit card. During this time I am being charge maintenance and service fees. I have called multiple times and on two occasions, the customer service representatives have lied to me,
Consumer complaint received 2022-10-19
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: Fidelity National Information Services, Inc. (FNIS) (RI)

Company is sharing my information without my expressed consent. Which is a form of Identity Theft. I am aware that Identity Theft as described in 15 US Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using identifying information of another person without authority. Provide the SSA 89 form giving my written authorization to discuss matters that involve the use of my Social Security Number.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (FL)

Barclays was contacted today in regards to a due date change. I have been contacting them since XXXX for the due date Change since I am a victim of the pandemic and can not make a payment on the first of the month since XXXX my payments have been late most paid by the 5th but the first is impossible. I have been told by reps that when my payment cleared they would go into the account, change the due date and then contact me. To no avail. 
XX/XX/XXXX at XXXX I was told by a rep that even though the account is in good standing that my due date can not be changed. I was informed that due to me contacting an outside agency which is only this one ( consumer protection agency ) he informed me a letter must be sent by this agency before they can make any changes to my account stating they are no longer legally representing me. 
I was fully under the impression that this agency ( consumer protection ) was not a legal entity and can or will not give legal representation. Barclays has illegally recently answered a dispute filed by XXXX  stating that a payment for XX/XX/XXXX was 30 days plus late when the rep and my XXXX  account has confirmed that a payment was made on XXXX XXXX 4 days after the due date no where near 30, I have begged and borrowed to pay this account and have been illegally penalized in so many ways but the main issue is being penalized for contacting this agency is illegal, the phone call was made at XXXX on XX/XX/XXXX and will be subpoenaed if required, this is extremely unfair and illegal from falsely reporting to robbing me every month now since XXXX for a late fee when I been asking for a due date change that has never happened. 
This bank has gotten {$180.00} from me in late fees since XXXX. This bank has also illegally penalized me for contacting this agency and informed me that this agency must send a letter before anything can be changed on my account. This is extremely unfair and unconstitutional
Consumer complaint received 2021-02-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Instant Cash Flow, Inc. (UT)

This person XXXX XXXX keeps emailing me about a loan I took out but everytime I make a payment I still OWE MORE MONEY. HE IS THREATENING TO TAKE ME TO COURT & IS REFUSING TO SEND ME MY IDOMIZED RECEIPTS FOR ALL THE PAYMENTS I HAVE MADE. ITS ABSOLUTE RIPOFF AND I AM AFRAID THIS COMPANY IS ROBBING ME BY SCAMMING.
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I've submitted a dispute in XXXX to Equifax. 
Certified Mail states they recvd on XX/XX/2020. USPS tracking number. 
I recieved a letter from Equifax dated XX/XX/2020 saying they can't locate my file. STALL TATIC. THEY HAVE ALL MY INFORMATION. They refused to investigate the results on XX/XX/2020 dispute. Instead said the dispute was ReAged to XX/XX/2030. That is Violation of my FCRA rights. And against the law. I asked for 5 managers, no one to transfer to. Asked for corporate. They abandoned the call.
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

This is my second complaint on same one issue. 
This is XXXX XXXX from XXXX. I opened a business checking account at Bank of America at XX/XX/XXXX for my company-XXXX XXXX  XXXX XXXX. 6 month ago, at XX/XX/XXXX, this account was closed by BOA with the saying of business decision without alerting me. But before it was closed there is still some balance inside. I called BOA service hotline almost 20 times for re-open my account and getting my money back, but BOA told me that it is impossible to re-open my account.As for the balance, BOA always say it is under process. For me, it is unacceptable that BOA has always been blocked my balance without returning to me as it is my private estate which is protected by USA laws.

During last complaint, one guy from BOA Legal Department emailed me but not answer any my question.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I'm unsure on how many accounts have been opened in my name without my knowledge or consent .I 'm a person with XXXX who has been abused neglected and financially exploited by a trusted family member /members. I'm currently homeless and my kids taken from me based false reports made by XXXX XXXX and XXXX XXXX in efforts to kidnap my kids by false allegations from XXXX XXXX who was awarded custody of my kids based on all the fraudulent statements about filing identity theft by someone that was not done on behalf, nor with my knowledge nor consent. I am in no way part of any of the allegations or insurance fraud committed by the parts involved with aquirimg my credit report and illegal use of it and with out my consent or is not my power of attorney. Bc I have not been able to get financial help or employment due to false reporting done in my consumer report He abused me and used position as a trust agent or being a person who should care to acquire my accounts in my fraudulently order cards to be replaced used school loan documemts for false purposes and claim they were identity theft on my behalf or that I was in no way taking care of my children when infact he abandon us and then without my knowledge has been receiving funds accessing account and changing my address using stolen email accounts and passwords from my home and also has a phone that has several XXXX accounts that I haven't used or created to make this fraudulent claims with.
Consumer complaint received 2020-12-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

XX/XX/XXXX, I had a positive balance and filed and paid a stop payment for an insurance payment of $ 230+ that was not to be deducted from my acct. Wells Fargo rep did the transaction in error. The payment went thru on XX/XX/XXXX and overdraft my acct. I called Wells Fargo and asked why didthey pay. I was advised that they did a stop payment for $ 400+. I immediately told them it was incorrect and advised I specifically told the agent the amount was $ 230+. They immediately apologized for the error and redid a new claim free. In the meantime, I have had other transactions that have cometh which would have been covered had they done the correct process. They have also failed to put the funds back into my acct stating that they are still processing the claims. I have received several overdraft fees for those transactions. I was told they were going to put the funds back and credit for any overdraft fees. Its has been several days, over 5, and they have failed to correct my acct. I can not deposit any funds. I keep being told the will correct it and nothing happens.
Consumer complaint received 2021-02-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I had fraudulent activities on my account at chase, they transferred a few large amounts on of my account into another account and to different people from my login. I reached out as soon as I noticed the issue, and created a claim as well as a police report/identity theft report. They denied the claim and took almost XXXX out of my account, due to said person using my account to make the transfer. They didn't give me a reason for denying my claim until I called. I called to explain further and try to reopen or create a new claim and the representative refused
Consumer complaint received 2024-03-07
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$980.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX & Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-05-13
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. (NV)

I reached out to transunion to see if they received the attached document sent with file number XXXX and transunion stated they got the attached document. I asked the fraud department when will the bk be removed from my credit the rep stated it will not be removed. I asked how is this possible when I reached out to the XXXX courthouse via mail to find out if the courts verified the information with transunion and the bk courthouse sent me back a letter stating they do not verify to credit reporting agencies nor do they give any information to third party agencies. I asked transunion why was this document so called not valid and the rep could not give me an answer as to why the documentation is not valid. I told the rep that if you can not give me a valid reason why this documention that I gave you is not valid the bk need to be removed, number 2 transuion stated that they " verified '' with the furnisher. The furnisher is not a 3rd party company. The original furnisher is the bk courts whom do not verify any information over the phone nor through the mail and that is what the document states. I have sent documents certified through USPS to transunion and they claim they did not receive it but I have the certification to prove that is a LIE! I have reached out to a consumer legal representation on this matter. CFPB does not make sure these CRA is following FCRA rules. I will be filing a complaint with FTC!
Consumer complaint received 2020-12-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (TX)

I received a letter about a debt that isn't mine from a company named Convergent. 

Convergent Outsourcing , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX, WA XXXX XXXX The letter stated I owe Convergent {$870.00}. This is not my name. The letter had my address but not my correct name. 

The date of the letter : XX/XX/202 Creditor : XXXX XXXX Original Account : # XXXX Convergent Account : # XXXX Original Creditor : XXXX ( South Dakota ), XXXX. 
Reduced Balance Amount : {$300.00} I do not have any outstanding unpaid debt with this company.
Consumer complaint received 2020-12-18
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. (NY)

I was reviewing my credit report and noticed some inaccurate information that I did not authorize. I sent out letters to the company over 30 days ago and still haven't got a response. These accounts are hindering, it is keeping from getting an auto loan or a mortgage. Please verify and remove these items from my credit.
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Medical Data Systems, Inc. (LA)

Medical Data Systems was disputed and they expressed the account would be removed from my credit report in the amount of {$1400.00} and they removed it from XXXX and XXXX but neglected to remove it from XXXX credit report.
Consumer complaint received 2022-10-19
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: SANTANDER HOLDINGS USA, INC. (MD)

I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (TX)

The Credit Bureaus never did a proper investigation according to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They did not do this Also they have violated my rights even more In accordance with the Fair Credit Reporting Act everything has to be 100 percent accurate on my credit report The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is grounds for removal.

They also violated the law because according to 15 U.S.code 1681 1.section 602A State : I have the right to privacy 15 U.S. code 1681 section 604A States : it also states a consumer reporting agency connot furnish a account without my written instructions I did not give anybody written instructions Delete all inaccurate accounts
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a credit card from CAPITAL ONE BANK USA N, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE BANK USA N and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CAPITAL ONE BANK USA N with no successful resolution. XXXX, XXXX and XXXX reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.
Consumer complaint received 2022-10-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NJ)

I asked for a verification letter and IC systems stated that since they sent one they can not send another one. I never received any letter from them and I had to find out about them through XXXX XXXX They provided me with a reference number that is incorrect and will not allow me to view any of my information. I can not pay a debt thats not validated especially because I have reasons to believe it might be false.