davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Collection Management Holdings, LLC (CA)

Received multiple spam calls starting on XX/XX/XXXX through XX/XX/XXXX with 10 phone calls out of 26 being before XXXX XXXX  with the earliest being at XXXX XXXX. On Thursday XXXX XXXX I confirmed my address and asked for confirmation of my debt but as of XX/XX/XXXX I still do not have a confirmation letter. On XX/XX/XXXX I received a phone call at XXXX XXXX  and told the collectors that it is illegal to contact me at that time and requested to be contacted between normal business hours of XXXX yet I still received another phone call at XXXX XXXX  that same day. On a different phone call with the phone operators they insinuated that I was XXXX and didn't know how debt collection worked because I was only XXXX.
Consumer complaint received 2023-02-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OH)

I purchased my home through Wells Fargo in XXXX. Around XXXX I missed a payment and fell behind on my mortgage. I had lost my job and was on unemployment and as a result fell behind on several of my bills. I reached out to XXXX to either restructure or modify my loan so I could keep my home. I was immediately denied this request and instead instructed to let my mortgage fall behind XXXX payments or more and let it go into foreclosure and then they could help me. I was trying to keep my credit in decent standing and expressed that and again was told to let my loan default XXXX or more months XXXX file for bankruptcy and then they could help me. I was totally dumbfounded by this response. As a result, in desperation to save my home I filed for XXXX XXXXXXXX on a measly {$5000.00} which now totally wrecked my credit that I am still trying to rebuild. My attorney filed the paperwork for both my bankruptcy and the reaffirmation of my loan which they finally restructured and shortly afterwards sold to another mortgage company ( XXXX XXXX XXXX ). Because of this process now my loan payments are not reported to the credit bureau which would help my XXXX XXXX greatly, not sure why they won't report it. This was by far the most stressful loan process I have ever went through. I had to further ruin my credit by filing bankruptcy which was held against me whenever I tried to reestablish my credit, hiring managers for possible employment held it against me ( so I was told ) and not to mention how long it stays on a persons record. I am asking to be included in any class action suit against Wells Fargo as I truly believe that as a consumer they truly treated me unfairly.
Consumer complaint received 2022-07-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

Hello! 

I sent letters to this company on XX/XX/2022 and have yet to hear any type of responses. I have reason to believe that information is being reported inaccurately on my behalf and I am aware that this is a violation of my rights! Also, this inaccurate reporting is causing emotional turmoil as I am not able to be approved for things that I need to better my life and existence. 

All I asked for was a re-investigation because I am positive that the information is being inaccurately reported. 

I truly demand a re-investigation. If not, please remove from my credit report ASAP!
Consumer complaint received 2022-04-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

After sending information to verify myself with my disputes, XXXX Experian XXXX has failed to respond. They have violated the FCRA in that it has been more than 30-days.
Consumer complaint received 2019-03-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (WI)

CACH LLC sent me a letter today ( XX/XX/XXXX ) stating that they are going to garnish wages of mine from a bill that originated in XXXX. In the letter, which was not sent certified, I am told that XXXX XXXX from the company wants to garnish my wages for a medical bill that is nearly 13 years old. 
The letter has a date stamp of XX/XX/XXXX, yet the postmark shown on the envelope shows the letter was mailed to me on XX/XX/XXXX. 
There is no information showing what this bill is for ( although I  was in a XXXX XXXX in XX/XX/XXXX, so I can only deduce that this is what this collection is about ). All of my medical bills from the XXXX XXXX  were on my credit report for 7 years and after the seven years, the credit reports that were printed off showed that the judgement from this company had been written off. Now I am getting notice of a wage garnishment. 
I will be including copies of the information that CACH sent to me. Allegedly, the date of judgement was on XX/XX/XXXX. Since that time, the judgement does not show on any of my records. Initially there was a judgement on my record but it was removed after the statutes of limitations had expired. It had been listed as written off and was removed from my record. 
Nothing on my credit report shows a new judgement. 
You will note that the creditors claim shows that the date of the judgement was on XX/XX/XXXX ( which is not accurate if you view my personal records ) and says : Unpaid balance on judgement : {$3900.00} Unpaid post judgement interest : {$3400.00} Total amount owe3d by debtor : {$7400.00} This is rediculous. The judgement had already been written off, I am on state aid and when I found out that this judgement was written off, I didnt expect it to haunt me nearly 10 years later. 
The papers I got were not formally sent to me requesting a signature, nor have I been contacted by this company in years. I will be providing all of the information in the hopes that this will get resolved. If a company writes off a debt and a judgement is realeased and removed, there is no way that this should continue to follow me, and now they are trying to seek wage garnishment.
Consumer complaint received 2019-03-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BlueChip Financial (WI)

I took a payday loan out and was paying back on time on a regular basis. About 2 or 3 months ago I switched banks, I called them and asked to have the debt deductions taken out of new bank. They said it was to late for the next payment, but could after that. I tried to explain to them that I will get a charge because that account was closed. Was getting nowhere with the person I was talking to, so I asked to talk to a supervisor-he kept stating that the supervisor would tell me the same thing. Over and over this went over probably ten times, he didnt seem like he would transfer me, so I hung up. After that expierence dicided not to even try to deal with them anymore. I'm getting calls and emails from them.
Consumer complaint received 2023-10-12
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (KY)

On XXXX I went to a XXXX XXXX  authorized dealer to sign up for their advertised home internet for {$50.00}. I was told that the company couldn't honor the advertised deal because of the remote area that I live. I was offered an alternative deal ; I could try the limited amount of internet for {$100.00} a month for 3 months. If I wasn't satisfied, I could return the router for a full refund. After 2 weeks, I had used all data. I attempted to return the router to go wireless ky aka XXXX by XXXX. During the 4 weeks I had the router, my wallet was stolen and I was issued a replacement card from cash app. Because the card was not the one used during the initial purchase, the merchant told me that they were unable to refund the money. I asked them to just refund cash because they already had received the money from my bank. They said that their system wasn't set up to provide refunds in that manner, and suggested I file a dispute with my card issuer. I was on the phone with my card issuers customer support when the merchant suggested this. I contacted XXXX directly via chat, who also recommended that I file a dispute. I screen shorted the entire conversation and sent it in with my dispute. My dispute was denied in less than 24 hours. When I requested documents that led to denial of dispute, the first 2 times I was ignored. The 3rd time, I was emailed a paper that only stated " an investigation into submission shows this was authorized and no error occurred. " I was provided a little chart that showed I had paid with electronic device. I had paid with my phone, but the fact that I had authorized the purchase initially had nothing to do with my dispute. When I called customer support, they claimed there was no way to contact dispute resolution except email, but when I attempted to email the dispute team back I was given a no reply auto message.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section
611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

My family just recently lost my grandmother and its taken a toll on my family, my brother and I were in hopes of adopting a dog for her. We were working with this adoption group on XXXX, they helped us find a puppy and were walking us through the process. Puppy would be transported to us, and we sent the first half of money which was {$450.00} then after getting a confirmation email, we sent the second half, {$400.00}. This was the agreement we agreed on as we were trying to make sure it wasnt a scam. It turned out to be that the transportation website they used for confirmation email is fake, but I had not figured this out until after everything went down. When I went to follow up on puppy aftercare instructions after we got confirmation email as we waited for puppies arrival, they blocked me on XXXX so that I could no longer contact them. This was the moment I found out this was a scam. 

I had messaged other previous buyers prior to sending over payment and they all had amazing reviews on the admin. Once I realized I was scammed, these multiple accounts had me blocked as well. Assuming they were all ran by the same person, they mustve been logging into these accounts and acting as other people. 
Once I found out and accepted I had been scammed, I did my research, come to find out multiple individuals have been scammed by the same XXXX. They lost a bunch of money as well, and they are trying their hardest to make everyone aware of this scam XXXX by posting all over social media. This upsets me as we should all be getting the help. 

This is really upsetting for me because my brother and I were just trying to do something nice for our mother. I do not work a full time job, as I am only a part time barista making coffee. This was money coming out of my own pocket and unfortunately got taken. If there is anyway you guys could help me and maybe even stop any further scams with these people I would appreciate it so much. I had contacted my bank and they can not help me receive my money back as I hoped for, but XXXX in high hopes we can get this scam and fraud to stop. 

I have messages and proof of everything with the XXXX, pls contact me if you would like more in depth proof as they have person information in them
Consumer complaint received 2023-03-23
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : DEPT OF ED/XXXX-XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-30
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: JPMORGAN CHASE & CO. (TX)

My sister and I booked a trip through XXXX ( itinerary number XXXX ) on XX/XX/2021. The total amount charged was {$4200.00}. I cancelled the trip on XX/XX/XXXX and was informed that my credit card would be refunded {$3600.00}. I received email correspondence from the XXXX representative showing this amount that would be refunded after cancelled itinerary. However, only {$2400.00} which was for the hotel was refunded. I disputed the amount of {$1800.00} with Chase United Credit Card. My credit card company initially refunded but then rebilled the amount stating the charges were valid. I contacted customer service at Chase United Credit Card and was informed that XXXX issued me a credit in the amount of {$1800.00} and that disclosures and terms of service were sent to me. I filed another dispute requesting my credit card company to reopen the case and provided documentation that contradicts the merchant response. Chase Credit Card did not investigate further nor did they even look at the correspondence provided. They simple rebilled the {$1800.00} and I have nothing to show for it. XXXX doesn't have a XXXX credit for travel although their response to Chase Credit Card was I did. On XXXX 's booking confirmation it says " We do not charge a cancel or change fee '' so I'm confused as to the information Chase Credit Card received from them to validate the disputed amount. I am not in a financial position to just walk away from {$1800.00} without anything to show for it whether it be my refund or travel credit. XXXX has tied up my funds with promises from one their representatives of refunding but my credit card company has done the most damage by not properly investigating the matter after email correspondence was given.
Consumer complaint received 2021-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CA)

This is a follow up complaint to a recent complaint I submitted : XXXX. 
In XXXX XXXX 's ( Office of the President ) response, she states that I did not apply for the Barclay 's XXXX XXXX XXXX XXXX XXXX Mastercard " using XXXX ''. 
That is a false statement. I did so following the instructions on the application handout the flight attendant provided on an XXXX XXXX flight. On the front of that handout it offers " {$0.00} intro annual fee for the first year {$99.00} ''. On the inside of the handout it states, " Earn XXXX bonus XXXX  miles after making your first purchase within the first 90 days ''. Barclay 's opened my XXXX  Mastercard on XX/XX/2021, and I made a {$20.00} purchase using it on XX/XX/2021. However, when I applied online, the site switched the terms to " Earn XXXX XXXX  bonus miles after making your first purchase in the first 90 days AND PAYING THE ANNUAL FEE IN FULL, BOTH WITHIN THE FIRST 90 DAYS ''. Because I did not pay the annual fee in full within the first 90 days, Ms. XXXX states I am not entitled to the XXXX bonus miles ; however this conflicts with the handout, misrepresenting its offer. This is nothing but a fraudulent bait and switch. 
In addition, Ms. XXXX stated in her response to my initial complaint, " As a gesture of goodwill I have added XXXX miles to your account ''. This is an absolute lie. 
To preserve my excellent credit rating I have paid the {$99.00} annual fee until this matter is resolved. Lastly, in Ms. XXXX 's response she states : " If you have questions, please call me directly at XXXX ''. I have tried to call her several times. She never answers. 
So I was forced to leave a message, which she never called back.
Consumer complaint received 2021-01-29
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. (FL)

TransUnion is in violation of the FCRA Summary of Rights for Victims of Identity Theft! TransUnion is showing hard inquiry from XXXX on my credit report from XX/XX/2020. Per the FCRA TransUnion is required to send me proof of who authorized this pull of my credit? TransUnion has failed to provide me with any written documentation such as the credit application with my signature and social security number on it ; showing who authorized this hard inquiry from XXXX? Per the FCRA XXXX is required to verify who actually pulled my credit on this day. Per the FCRA " I have a right to obtain documents that lead to the opening of a fraudulent credit account, '' ( such as the credit application. ) CFPB, please have TransUnion comply with the FCRA by having them to delete this unverifiable information from my credit report. Why is TransUnion continuing to report this hard inquiry on my credit when they have not provided me or the CFPB with the written documentation, credit application I requested? Where is TransUnion 's written proof of who authorized this hard inquiry from XXXX? Why has TransUnion refused to send me the credit application that the FCRA says I have the right to see and obtain? I need to be able to see why has TransUnion attached this hard inquiry to my social security number as an individual consumer?
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to formally request that all fraudulent accounts listed below be immediately blocked and deleted from my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), as I am a victim of a data breach resulting in unauthorized use of my personal information. The following accounts are fraudulent : XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX. : XXXX - Opened : XX/XX/XXXX - Balance : {$19000.00} XXXX of XXXX XXXX Account XXXX. : XXXX - Opened : XX/XX/XXXX - Balance : {$21000.00} XXXXXXXX XXXX  - Account XXXX. : XXXX - Opened : XX/XX/XXXX - Balance : {$2800.00} XXXX XXXX XXXX - Account XXXX. : XXXX - Opened : XX/XX/XXXX - Balance : {$8100.00} XXXX XXXX XXXX Account XXXX. : XXXX - Opened : XX/XX/XXXX - Balance : {$19000.00} XXXX XXXX - Account XXXX. : XXXX - Opened : XX/XX/XXXX - Balance : {$6200.00} XXXX XXXX - Account XXXX. : XXXX - Opened : XX/XX/XXXX - Balance : {$6100.00} XXXX XXXX - Account XXXX. : XXXX - Opened : XX/XX/XXXX - Balance : {$18000.00} XXXXXXXX XXXX XXXX  XXXX Account XXXX. : XXXX - Opened : XX/XX/XXXX - Balance : {$9200.00} XXXX XXXX - Account XXXX. : XXXX - Opened : XX/XX/XXXX - Balance : {$3300.00}
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :