davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Shellpoint Partners, LLC (FL)

1. The lender or lender representative tried to gain access to the home and did go into the fenced backyard without any legal documentation giving them the right to do so. Moreover, they engaged with an individual in the home and shared information about who they were in an intimidating manner, which created a problem with my renter. To try to make ends meet, I have taken in a renter ( business colleague ) in a portion of the home as I dont use the entire home myself. I dont think that they are allowed to gain access to my home or property in that manner. They have created an uncomfortable environment as we dont know when they will return. They also created an unsafe condition by not wearing masks and being too close to my renter who has a new grandchild that was visiting at the time. 
2. During this pandemic, the opportunity to defer payments has been given to FHA backed loan holders, of which I am. This has been formally requested but no response has been given by lender. I also asked for a loan remodification and none was offered. 
3. The lender is trying to circumvent the legal system, by not speaking with my attorney who has been handling this issue and directing themselves to anyone in the home, not even the note holder. As the bank will not seem to work honestly with me directly and I am not sure of my rights in this situation, and with the pandemic, I have contracted legal assistance over a year ago and they are fully aware of my representation. I have paid my attorney to avoid exactly what has occurred.
Consumer complaint received 2022-02-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ADP Inc. (CA)

I hired ADP to process payroll for my company from XX/XX/XXXX through XX/XX/XXXX. Without my knowledge, they sent my account to an overseas company. Not only did they use a Tax ID that I did not provide them with, they also neglected to report the wages of one of my employees correctly to the XXXX. 

They were dishonest and still have not corrected these issues. My State and Federal filings were incorrectly done and the representative XXXX XXXX, in XXXX XXXX, passed me to XXXX XXXX, who is supposed to be a supervisor. Both ladies ignored my calls and never fixed the problems. I have spent over a year trying to correct this and nothing. Have called the XXXX number given to me several times and still not taken care of. 

Instead of correcting the issue they just stopped dealing with me and decided to send me to customer service. Who has no idea what has happened and seems to not care about fixing the issue. 

XXXX XXXX handled incorrectly. Pulled money from my accounts and put large sums in XXXX account that I still don't have back. Address at XXXX changed 9 times. Its been a huge nightmare.
Consumer complaint received 2021-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

AFFIRM XXXX XXXX Balance {$760.00}
Consumer complaint received 2018-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

PORTFOLIO RC FOR THE AMOUNT OF {$970.00} that was reported on XX/XX/2015  and is continuing to be reported. I have contacted the credit bureaus to validate the charges as a result of me not having a signed contract with the company. However, the item is still on my credit report. I would like to have this removed as a result of it not being my debt.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I sent 2 letters to Experian asking them to verify 4 derogatory accounts on my credit report. The first letter was sent in XXXX and the second letter was sent in XXXX. Experian failed to respond to both letters. I attached the signature receipt from Experian for the last letter that I sent, which was XX/XX/22.
Consumer complaint received 2021-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (MA)

I use this cryptocurrency exchange called crypto.com. I sold some cryptocurrency ( XXXX  ) for an emergency. I then transferred it to another exchange ( XXXX  ) and it is usually instant but for some reason this time it took hours to proceess. I reach out to the team, and they explain that I have done nothing wrong and I should get money shortly. I have been waiting for 6 hours for my money, and I needed it for an emergency. Now the exchange claims it doesn't know when I will get my money. I am worried, and I know it is not a lot of money but it is mine. They refused to give me an ETA, and I don't know what to do. I wanted know if you may please help me. 

Thank you.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (MN)

XXXX - Received email stating my Sams Club Mastercard had been reported lost/stolen from Synchrony Bank . I did not report it stolen and I physically had all cards. I contacted customer service via phone call several times on between XXXX XXXX : Call # 1 : Informed rep that I received the email and stated I didn't request it so please undo the request. She replied that was not possible. I asked who reported my card was stolen. She said an " unknown caller '' earlier on XXXX. I asked how they verified it was a legitimate request and she had no legitimate answer. I asked what would prevent me from calling in to report someone else 's card stolen without a verification on their end. No response. I asked to be forwarded to a supervisor. Was told I could speak with fraud department. 

Call # 2 : Forwarded to the fraud department and was hung up on. 

Call # 3 : Contactedfraud department again. They could not share details but mentioned that it was because of some charges I disputed ... .these charges were over 3 months old and their response was conflicting with the " unknown caller '' described in Call # 1. 

Call # 4 : Contacted normal customer service rep again. Spoke to a new rep. She requested full verification of my information to confirm identity before speaking to me. This is the first time in any call where my identity/data was fully verified before share details with me. She also had no answers but seemed surprised that none of the other calls had verified me. 

XXXX - I typed a letter describing the above and expressed my concerns that they had shared my data with an unknown caller and were reporting as lost/stolen to cover their failed processes. I demanded they execute investigation and provide me with a response on the root cause and how they were going to prevent the problem in the future. 

XXXX - VM follow up saying they received my correspondence and they'll review as soon as possible. I have not received additional reply since. 

In unrelated issue I had disputed charge in XX/XX/year> and then later noticed it had not been addressed. I messaged customer service and submitted another dispute form. They stated they had error in logging the dispute. 

All of these things add up to failed business practices and protections for consumer data and information.
Consumer complaint received 2019-08-20
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: Convergent Resources, Inc. (CA)

I sent XXXX LETTERS ON:XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXasking to verify this information that shows on my credit reportAccording to the Fair Credit Reporting Act, Section 609 (a)(1)(A),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.  Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.   Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.as well as unknown inquiresnot once have they verified anything even CONVERGENT OUTSOURCING SENT ME A LETTER STATING THEY WILL DELETE THE ACCOUNT BECAUSE IT DOES NOT BELONG TO ME, YET XXXX STILL REPORTS AS WELL AS OTHER ACCOUNTS THAT WERE NEVER VERIFIED
Consumer complaint received 2018-06-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (VA)

I have a complaint against Transworld Systems and XXXX. I am in receipt of a statement dated XX/XX/XXXX ( attached ) which indicates an account balance of {$5300.00}. I called the number for XXXX collections on the statement to make payment arrangements. There was no option in the automated call system to speak to a representative at XXXX. The system told me to call a different number which I did. At that point I was connected to Transworld systems. The representative told me they have had the account since XX/XX/XXXX. Further I was told the balance I owed was over {$6300.00} due to a 'collection fee '. 

-I received NO notification of transfer of my account from AAFES to a third party or of any punitive fees being assessed since XX/XX/XXXX -Payments have been made to AAFES through out XX/XX/XXXX -There is no disclosure or itemization of any fee on the statement ( see attached ) -This is a PREDATORY debt collection activity.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I ( XXXX XXXX ) have reviewed my Consumer Reports and noticed that I had ( 1 ) one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX : ( XXXX XXXX  ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2022-10-14
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not delete these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (GA)

While attempting to obtain a car loan in XX/XX/XXXX, I was notified by the car dealership that they could not obtain any credit information for me. They said my credit appeared to be locked. Credit was obtained through XXXX on XX/XX/XXXX but at a high interest rate since they could not verify my credit. I wrote a letter to Equifax in XX/XX/XXXX with all pertinent information ( full name, date of birth, social security number, address and driver 's license ). Equifax wrote back saying they were unable to locate a file for me either because I had not applied for credit, have not activity used credit in the past 10 years, or have not lived the U.S. or been issued a social security number. I've called them several times explaining I have a loan with XXXX since XX/XX/XXXX and they said it's not being reported. I contacted XXXX and they insist it is being reported. I ran a free credit report from XXXX and the XXXX account is showing up. However, in XXXX I tried to apply for a credit card and was denied. I think it's because Equifax doesn't have a file for me so not only am I having to pay an exceptionally high interest rate on my car loan but I am also being denied credit. Please help me fix this.
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2018-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

The account in dispute is a Capital One MasterCard account. On Monday, XX/XX/XXXX, I purchased merchandise/consumer good " Bitcoin '' in the amount of {$470.00} from XXXX XXXX, a company based in XXXX, XXXX, with my Capital One MasterCard account. Then, on Tuesday, XX/XX/XXXX, I purchased merchandise/consumer good " Bitcoin '' in the amount of {$550.00} from XXXX XXXX, a company based in XXXX, XXXX, with the same Capital One MasterCard account. Bitcoin is a private, speculative non-cash " Cryptocurrency '' which I purchased for private investment purposes. It is no different than a purchase of any other merchandise item for investment purposes, i.e. : Classic Automobile, Antique Furniture, Famous Painting, etc., and it's value is only based on variable individual human perception. Despite it's description label of being a " currency '', it is NOT a traditional public currency as regulated, controlled, issued and recognized by established global Governments and their authorized, legal Banking institutions and Monetary Systems. ( Capital One itself does NOT even recognize or accept " Bitcoin '' as a legitimate legal currency! They will NOT accept " Bitcoin '' for payments, deposits, etc.! ) The dispute in question is not about the ( 2 ) above listed Capital One MasterCard charges - they are legitimate. It is regarding the fact that I have been charged " CASH ADVANCE INTEREST '' and a " CASH ADVANCE FEE '' for which I have received NO CASH! On XX/XX/XXXX, a CASH ADVANCE INTEREST CHARGE of {$2.00} was assessed, then on XX/XX/XXXX, a CASH ADVANCE FEE of {$16.00} was assessed, and finally on XX/XX/XXXX, another CASH ADVANCE INTEREST CHARGE of {$6.00} was assessed. The grand total of these erroneous charges comes to {$25.00}. When I contacted Capital One directly by telephone regarding these fees/charges, they adamantly refused to do anything about these charges. ( Interesting, isn't it?! ) They also refused to give any legal proof that " Bitcoin '' is in fact " cash '', neither could they tell me where I received this " cash ''. CASH, as defined by XXXX 's Law Dictionary, is : " Ready money ; whatever can be used as money without being converted into another form ; that which circulates as money, including bank-bills. XXXX v. XXXX, XXXX XXXX. XXXX ; XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX. XXXX ; XXXX v. XXXX, XXXX XXXX. ( Va. ) XXXX ; XXXX v. XXXX, XXXX XXXX. ( N. Y. ) XXXX. '' As you can now CLEARLY see, " Bitcoin '' does NOT fit this legal definition whatsoever! These actions by Capital One obviously constitute both FRAUD and THEFT, and demand is hereby made that Capital One immediately withdraw these three illegitimate " CASH ADVANCE '' related charges and credit back to my account the full amount of {$25.00} without any further delay.
Consumer complaint received 2018-02-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Hello, I received an email from Wells Fargo informing me not to pay for 90 days and that those payments will be adjusted somehow. Here is the email ; Dear XXXX XXXX : Were here to help. 
Were reaching out because you are potentially located in a FEMA declared disaster area. Hurricane Irma left extensive damage in your community. Our thoughts are with you and all of those impacted.  Were you impacted by Hurricane Irma?

If you arent able to make your normal payment, we have taken proactive steps for customers in FEMA declared areas by placing a 90-day payment relief period on accounts to assist. This includes : We will not assess late charges. 
We will not report any negative information to the consumer reporting agencies. 
We will work together over the next 90 days to discuss options available on repaying any payments missed during the 90 days as there are many options depending on each individual situation. 
We encourage you to continue to make your payments if you are able. 
Sincerely, XXXX XXXX Senior Vice President, Customer Service Wells Fargo Home Mortgage Then I received a letter saying that XXXX XXXX was actually my lender and Wells Fargo is just a servicer, and payment is due to be current which was {$2800.00} on XX/XX/2017 or I would be in FORECLOSURE. Each mo. is XXXX, and the next mo. was due in 3 weeks. I made the payment after selling many items and it completely wiped me out financially. Since then I have been late in XX/XX/XXXX & XX/XX/XXXX w/fees and it has been reported to creditors. Even one of my credit cards was deducted b/c of my credit report from XXXX to XXXX caused by Wells Fargo. I have emailed them about this problem and they say to call, but then when I do the department that handles certain situations are always closed. BTW, I am currently up to date on my payments, but with a leaking roof, flooded walls and floors, and destroyed fencing. 

Thank you, XXXX XXXX
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

Experian continues to send certified Dispute notices to XXXX instead of actually verifying and validating the account like they are asked to do. XXXX does not have an account for me therefore this is inaccurate reporting under FCRA guidelines. This account is closed and was sent to the Ohio Attorney General for further investigation due to incorrect balance. Please remove
Consumer complaint received 2021-02-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AR)

I have contacted all three credit bureaus multiple times about an issue where someone else 's name comes up when trying to run my credit. Every time I have called they tell me to send in the same information ( copies of drivers license, social security card, and W2 ). When I send in the information that is asked for nothing happens. I wait the 60 days they say it can take and hear nothing back.
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MS)

I asked the credit bureaus to supply me with original documentation that they verified the bankruptcies listed on my credit report because i contacted the court in which it shows filed and they said they didnt report this inaccurate information to the bureaus or any 3rd party data  furnishers
Consumer complaint received 2020-01-22
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. (MS)

I asked the credit bureaus to supply me with original documentation that they verified the bankruptcies listed on my credit report because i contacted the court in which it shows filed and they said they didnt report this inaccurate information to the bureaus or any 3rd party data furnishers
Consumer complaint received 2018-06-14
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: Accelerated Receivables Management, Inc. (TX)

Accelerated Receivables out of Florida keeps calling to collect some type of debt and are looking for personal information as to address social security number and never say who they are representing and refuse to give any information and as well I refuse to give them any information - these folks are the ones calling and have information but will not share it and as well I will not share with them. 

Accelerated receivables / XXXX, FL /XXXX
Consumer complaint received 2021-03-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP. (OK)

My husband and I applied for a mortgage for a manufactured home. We applied with 21Mortgage.com. This process is so flawed and discriminatory. With our income we far exceed the minimum. Our income is more than {$5500.00} a month. I got a call from who XXXX stated that it was because of our car payments, which are not very much. XXXX was very dismissive and rude and I feel that because we were white that is why we were denied. We meet and beat all of their requirement that are on their website. This is not a fair and equal process as stated by the FTC. They were looking for a reason not to be fair and equal under the law. I am attaching their decision and their one and only reason for denial in writing.