davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (AZ)

My name is XXXX XXXX. My loan was recently transferred by XXXX to ShellPoint. ShellPoint for some reason put the loan in the " Bankruptcy '' category. And because of that all my previous payments went " somewhere '' and did not reflect on my current account activities. As the result, my account today showed " 3 payments past due. '' I also received a letter " Intent to Accelerate. '' They locked me out of my account, then somehow it was turned back on last month, and now I 'm barred from making payment. 

I left a message and faxed them previously, most recently last month, yet no one tried to call or contact me back regarding the matter. I 've started receiving pre-foreclosure letter. 

ShellPoint customer service is not helping me, they do n't disclose information as of why or how or how to deal w/ the matter. They would tell me they ca n't and only BK department can, yet NO ONE from BK has ever tried to contact me or responded to my requests! 

This also affect my credit rating, and the pain and sufferings I 've endured in the last few months.
Consumer complaint received 2020-05-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (AL)

I sent a letter to the company Speedy Cash on XX/XX/XXXX to request verification and validation of debt to reach an agreement to pay and as of today they have not responded of called to speak with me on the debt.
Consumer complaint received 2016-06-03
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (FL)

{$200.00} on a. {$400.00} which will make the total amount {$600.00} loan they told me thats the intrest and principle on the first payment i wanted to pay their principle and intrest off leaving remaing balance of XXXX the next month they want to place another XXXX agin which they saying the intrest anr princilple on the XXXX making it {$600.00} agin so they would get an extra {$400.00} out me they qoat some bougus principle and intrest amout after called them i try to resole this but they go around in circles like they program to say samething and i ask to speak to the manger its not a manger this loan company is called big picture loans i want to know if its legitimate business also they stated that i was a value custmer and get discount XXXX off did not get it also when i ask for corporate number they said was a email
Consumer complaint received 2017-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (IN)

I have notice per credit report that Enhanced Recovery reports that I owe XXXX for cellular services. I have never had an account with XXXX. They have not sent me any documents nor was I provided a contract with my signature or acknowledgement of this.
Consumer complaint received 2017-01-24
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

CCP XXXX Those are Civil Codes of Procedure for the State of California. 

I have a levy put on my account by a creditor whom I 've never heard of. I 've reached out to Bank of America over the phone, sent supporting documents via e-mail, as well as supporting documents to a branch manager for forwarding to your legal department. Not only did I show proof that all monies that were in my account have been for living expenses because of a XXXX injury / XXXX XXXX, I even forwarded the supporting link as well. I recently had XXXX on XX/XX/2016 and all my XXXX payments were almost exhausted. I was giving a pre settlement loan from XXXX XXXX for living expenses as well. I even showed proof of that. Why did your incompetent legal department tell me that in the State of California XXXX are n't exempt from bank levys? BofA did n't fulfill the laws of California even after they 've double checked. So ... they released my money to the sheriff 's department. Now, I have to go to court to show the judge the supporting documents because your XXXX excuse of a bank levy bench department could n't follow the law. 
Why has bofa lied to me about this CCP for California?
Consumer complaint received 2022-09-06
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. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX & XXXX XXXXBalance XXXX {$730.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX BANK ) XXXXBalance : {$790.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXXBalance : {$1400.00} XXXX XXXX XXXX****Balance : {$0.00} XXXX XXXX XXXXBalance : {$1300.00} XXXX  XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$2600.00} XXXXXXXX XXXX : {$0.00} XXXX XXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX XXXX Balance {$270.00} ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$330.00}
Consumer complaint received 2017-02-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

I am single parent with XXXX children, I 'm also the XXXX of a XXXX.My family and i have suffered a great hardship since XX/XX/XXXX, at such time i XXXX and had to have XXXX, while out on sick leave XXXX.This action forced me to become unemployed. Finally the unsubstantiated results came in just last month XX/XX/XXXX. Now my business XXXX number which allows me to XXXX has been terminated, I have no means of supporting myself or my minor child. In order to provide food we receive food stamps, free lunch at school, my son sat out of XXXX to assist us as much as he possible can, not to mention on XX/XX/XXXX. I just underwent another XXXX and on XXXX now trying to re-cooperate. I 'm totally XXXX out, I 've also XXXX. I have been a single parent for the last years and I 've worked very hard to provide for my family not once had i ever image being in a situation as such, and not being able to find some help. I have lost so much, now being face with loosing my home where will my child and i do.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Subject : Dispute of Fraudulent Collections Account by Portfolio Recovery To Whom It May Concern, I am writing to formally dispute the legitimacy of a collections account reported on my credit report by Portfolio Recovery. The account in question is in the amount of {$1800.00} and is not recognized by me. I have strong reasons to believe that this is a fraudulent entry affecting my credit score and financial standing. 

Upon noticing this entry on my credit report, I immediately reviewed my financial records and found no evidence of any debt or past-due account that could be associated with Portfolio Recovery. To ensure due diligence, I also reviewed any potential cases of identity theft or mistaken identity but found no evidence supporting this claim. 

It is my understanding that under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccuracies on my credit report. Given that this entry is inaccurate and unverifiable, I request the following actions : A thorough investigation into the account listed by Portfolio Recovery. 
Removal of this account from my credit report if it is found to be invalid. 
Provision of documentation that substantiates the debt, if it is claimed to be valid. 

Please be aware that I am prepared to take further actions, including filing a complaint with the Federal Trade Commission ( FTC ) and seeking legal advice, if this matter is not resolved in a timely and satisfactory manner. 

I expect a response to this dispute within 30 days, as mandated by the FCRA. Your prompt attention to this issue is crucial for rectifying my credit report and upholding the integrity of the reporting process. 

Thank you for your cooperation in this matter.
Consumer complaint received 2016-12-18
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: WELLS FARGO & COMPANY (WI)

For the last 6 years I have had late payments reporting on my credit report from Student Loans from ACS/Wells Fargo/US Dept. of Ed. My loans were in deferment because I became very ill and was unable to work. I have disputed it multiple times through the credit bureaus and I get no results. After I received my doctors said I was not going to be able to return to work I filed for XXXX. I also while my student loans were in deferment filed for my student loans to be discharged based on XXXX XXXX. Which was approved! I have XXXX loans reporting that I was late 60 days late 1 time and 90 days late 3 to 5 times?? I was never 30 days late though.
Consumer complaint received 2016-02-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I 'm a victim of identity theft and some one got my information and try to open up lots of accounts in my name leaving me with lots of XXXX on my report. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX,XX/XX/XXXX XXXXXX/XX/XXXX. This is not fair to me
Consumer complaint received 2015-04-28
Product: Credit card — 
Issue: Sale of account — 
Company: SYNCHRONY FINANCIAL (CA)

I am so displeased with this company care creditXXXX. Learned that care credit is not for everybody. Care credit has deceptive credit card marketing and sales. I have an active care credit account with this company. When signing up for the care credit, health care representative signing my mother and I up never explained about how care credit works nor told us about the reoccurring monthly interest that would be happening after promotional period had ended. My mother and I was not informed that care credit is in fact a credit card and never received our enrollment paperwork from this company when first signed up. The representatives told us this was the only option to pay for our expenses at the emergency XXXX hospital. Pressuring vulnerable, naive and helpless individuals at the time of need to sign up with care credit because it 's there only option is not right. The health care receptionist only relied on the pamphlets and did n't seem trained upon care credit procedures and policies. I have contacted Care credit on numerous occasions about this to only get no real help at all from customer service and management. 

Care credits late fee policy is flawed in many ways as well. Even when you send in a post dated payment with this company they will not go by post date, but whenever they choose to look at the mail will be the date posted to the account. This can be very misleading for clients when sending in payments because its not our fault that mail carrier methods can be delayed at times. I had to contact the company XXXX about this matter to only resolve the issue by the manager about the late fees occurred during those times that it was mailed before due date and was posted after due date to only receive a late fee without knowing. The managers waived those late fees that occurred and I have never been late since then. 

I have even did research on the credit card company Care CreditXXXX and I have found that my situation is happening all over and has happened to many in the past. Why do care credit keep doing this to there customers. I have also become a victim of care credit deceptive ways and poor trained staff upon enrollment process at the time. If I was to have known that this companies ethics was like this I would of avoided it at all cost. The way I have been bamboozled to borrow money from this company is not right. It 's a shame that I feel stuck with a company like this that has many deceptive ways. Why does most car loan companies only charge you a XXXX time interest fee upon your borrowed amount, but care credit choices to charge you over 25 % interest every reoccurring month ridiculous scheme.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I attempted to obtain my free credit report from TransUnion. Apparently I accidentally signed up for some sort of monitoring service. I notified Transunion of my error on the next business day and they refused to reverse the charge. Why is one of the credit report companies taking financial advantage of errors made by customers who are forced to use the services of these companies?
Consumer complaint received 2015-05-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (LA)

Enhanced Recovery Company , LLC has reported a debt in collections that is not mine on my credit report. I had it removed 3 years ago by XXXX, and on XX/XX/XXXX they reported it on my credit report again. I attempted to contact them to remove the collections account and they informed me that I should email them with a copy of my credit report because they could not locate the account. I emailed them a copy of my credit report on XX/XX/XXXX. They responded on XX/XX/XXXX stating they could still not locate the account and to provide additional information. I provided this information and they responded again on XX/XX/XXXX stating that they located the account and provided payment details. I then telephoned their location and they stated that I did not send any emails and needed to send an email. After stating that I had already did this, they hung up on me. I called back and talked to another representative and she stated that they had no record of any of my emails and could not help me with the matter. In addition to only being able to tell me how to pay the debt that was n't mine, they also stated they could not discuss the debt with me since I was not the debtor.
Consumer complaint received 2016-04-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

Someone called my bank ( USAA ) and tried to access my wife 's account and failed. 
She was never notified of a failed attempt to access her account via phone. 
They eventually succeeded after multiple attempts and were able to change her withdrawal limit, contact phone number, and online password. My wife was only notified of the password change after the fact. 
They were then able to access XXXX accounts and empty all of them, totaling over {$4000.00}. 
I have searched USAA 's member community forum and see this happening way too frequently with USAA accounts recently. I find it very hard to believe that USAA is not notifying members of this fraudulent activity or tightening up phone security and adding extra verification due to this scam. 
We are now on day XXXX of accounts being frozen and funds not replaced. We have requested, via phone and in writing, replacement debit cards, new accounts, and the funds replaced. We have had no contact from USAA. When I called, they claim it is still being " investigated ''. 
They know what I know, because I learned it from them : They granted access to our bank accounts to a third party, who then cleaned the accounts out. The only mistake we made was trusting USAA. Yet, we still have no access to funds we need for bills and food. 
The level of ineptitude, complacency, complicity, or some combination of the XXXX, is frightening here.
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (PA)

[ Fortiva Credit Card ] : Thank you for making your XXXX payment to Fortiva Credit Card. Your payment confirmation code is : XXXX Payments received on weekends, holidays or after XXXX XXXX  will be applied the next business day. 

Your payment will be drafted and posted on XX/XX/2022. I paid this bill they told me they would fix it i told them. that i had all the information now i am getting charge late fees and they will not fix it, I have been paying them on line and never had a problem till now please help me here I do not know what else to do
Consumer complaint received 2016-06-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Collection Bureau, Inc. (CA)

False Debt collection call to my wife that may cause identity theft. Asked for SS # and account in XXXX healthcare. 
From number XXXX XXXX XXXX XXXX on behalf of United Collection Bureaue They tried to enforce her to pay {$300.00} dept to XXXXp ( XXXX in XXXX 2015 ). I have checked my accounts with XXXX - no balances. 
Consider such calls as criminal activity collecting personal information and pulling money from people.
Consumer complaint received 2016-05-03
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (CO)

On XXXX XXXX 2016 I noticed XXXX transactions related to my " Fidelity '' checking that I did not make. The XXXX transactions totaled approximately {$970.00}. I contacted " Fidelity '' and they cancelled my debit card and issued a new one the customer service representative said it would be turned over to their fraud department for investigation. I was advised it would take 10-15 days and a letter would be sent out. I received the letter advising me they determined the charges were valid and were denying my claim. This is XXXX! I was no where near where these charges were made. I 've called the card services number XXXX ext XXXX XXXX ) and my phone calls have gone unanswered. I called the fidelity service and was told that they would have someone call me. The XXXX charges that were processed and that I am disputing areas follows : XXXX # XXXX XXXX, CO {$860.00} XXXX XXXX # XXXX XXXX, Co. {$96.00} XXXX XXXX XXXX # XXXX XXXX, Co {$18.00} XXXX # XXXX ( XXXX ) XXXX, Co {$3.00} I noticed these on my account on XX/XX/XXXX and contacted " Fidelity '' the same day. I do n't just have {$970.00} laying around to pay bills and not sure what their investigation revealed or how they could determine these were valid charges. Their not valid charges and I did n't make them. I 've been trying to contact them so I know what their investigation found. For instance what was the date and time of the transactions, what was purchased at XXXX that cost {$860.00}, what did I purchase at XXXX XXXX for {$3.00} is this for real? Not to mention the XXXX {$96.00}. Then the charge for the XXXX in XXXX, CO for {$18.00} since I 've never eaten at XXXX. Let 's just say I 'm XXXX with Fidelity and will be moving all of my accounts to another financial institution. In the meantime I need to recover the {$970.00} to pay bills.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ATG Credit, LLC (IL)

I am writing to express my dissatisfaction and concern regarding the inaccurate reporting of an account placed on my credit reports, which appears to originate from XXXX XXXX XXXX XXXX and has been managed by your agency, XXXX XXXX XXXX. The account in question has caused significant damage to my creditworthiness and has consequently impacted my financial standing. 

Upon reviewing my credit reports, I noticed discrepancies in the reporting of the aforementioned account. It is essential to rectify these inaccuracies promptly, as they are causing serious harm to my credit profile. To address this matter effectively, I request a thorough investigation into the account and its reporting. 

Furthermore, I kindly request that you provide me with written proof of all pertinent documentation related to this account, including but not limited to : Signed contracts or agreements pertaining to the services rendered by XXXX XXXX XXXX XXXX. 
Valid photo identification associated with the account holder. 
Detailed service dates outlining the nature of services provided. 
Clear documentation of payment dates and amounts made towards this account. 
I understand the importance of adhering to proper protocols and regulations in handling such matters. Therefore, I expect your agency to conduct a comprehensive review and furnish the requested documentation within 14 days from the receipt of this letter.
Consumer complaint received 2016-07-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

I can not uploaded the items needed to correspond with my complaint XXXX. 
Wells Fargo has not provided email or fax number to send attachments either. 
As stated in XXXX XXXX correspondence, XXXX fees are my responsibility. Which you are correct, however I had a XXXX balance and a XXXX illegal lien on the property in XXXX right after my bankruptcy XXXX another XXXX lien placed with no money due except excessive legal fees, in XXXX and XXXX the management company placed XXXX other liens XXXX for XXXX and XXXX for XXXX and I knew nothing about these, they also had a judgement that I was paying. All of these liens were on title, if the title company did there job properly I would have found out about them and not incurred XXXX in legal fees and XXXX in maint fees since XXXX XXXX could have been sued for falsifying data and not providing to me. Attached is the PROPER FULL TITLE and suit. 
this is not a matter of the township or XXXX not providing or updating its a matter of the title company not providing this information to myself or Wells Fargo since im now paying this at XXXX per month and cant make my mortgage payments. 
My account was not handled properly as you can see from the proof I am providing you. 
And to top this off I went to make a mortgage payment and I am locked out of my account so your forcing me to go past the 90 days down if I can not make a payment by XXXX XXXX.
Consumer complaint received 2015-04-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: DriveTime (TX)

I bought a car from drive time XX/XX/XXXX. Paid really good till about XX/XX/XXXX I told them I could n't afford it and would like them to pick it up. I talked to them several times and always wanted me to keep it and they would work it out. I stopped taking there calls and they would email me to contact them I would always reply please just pick it up. I would have dropped it off but I could n't get it to start. They finally picked it up last week. The whole time I had the van I saw nothing on my credit report. Till the day after they picked it up ( I kept it insured the I entire time ). I was looking on line and saw the last suit they just settled. I do n't know if Texas was included and I did not read all of it. But from what I read they are still doing the same thing