davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TX)

I have been receiving phone calls from Midland Funding LLC/Midland Credit Management almost daily since XXXX. The first call occurred on XX/XX/XXXX at XXXX XXXX from the number XXXX ( XXXX ) XXXX, which called again on XX/XX/XXXX. Over the past two months, the other numbers potentially belonging to this company ( or being spoofed by it ) that have called me include : XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX All of these numbers leave messages that are either empty air, no one speaking but background noise that sounds like an office, or static and one person saying " XXXX '' then hanging up. There is never any information about who is calling, why they are calling, or how I can get in contact. My name is also not XXXX, and I have not co-signed on any loans or other financial agreements for anyone named XXXX. My credit history shows no sign of tampering or fraud and I know exactly who I owe money to and why, and Midland does not own any of my debt ( I've never gone into default or bankruptcy and carry a small debt load ). 

In XX/XX/XXXX I started getting text messages for someone named XXXX XXXX from what seemed to be payday loan companies. Those texts continued through this XX/XX/XXXX, and I logged each of them with my phone company ( XXXX ) as spam. The texts did not come from identifiable phone numbers. 

I've blocked the numbers listed above, but before I did so I attempted to call back and speak with a representative of the company to let them know they had the wrong person 's number. The phone calls dropped immediately and I wasn't able to contact anyone. 

Midland seems to be rotating through numbers in order to get around any blocks. The same number will call every other day for a week or so to leave messages for XXXX, then a new number will call leaving the same messages.
Consumer complaint received 2019-09-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC. (CA)

This company started to call me yesterday from this number XXXX. 
They wanted to know up front my social security number, I denied to provide them such information, They said are AFNI a debt collector. I asked them what is about these phone calls, in order to give me the information they said I need to provide them my social security number for verification I denied to give it to them I asked them to stop any phone calls and if they want to address any concerns to make it in writing. 
At this time I'm not submitting any documentation because this debt collector has not sent me any. If they do I will refer this complaint properly attach it with a proper response.
Consumer complaint received 2019-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

On XX/XX/19, I was notified my card was used for three transactions at XXXX XXXX XXXX XXXX. I dont know the declines transaction amounts, but the one that USAA processed was for {$180.00}. I replied to their notification, and I had to call. 

They closed my card and issued a new one. However, I not sure they submitted a claim. I did not receive notice of claim. The transaction had since posted to my account. I was told they will review and state will adjust if necessary within 5 days. 

I was on hold for over an hour, and the customer service was horrible.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NC)

I contacted Wells Fargo Card Services in XX/XX/XXXX to discuss a balance of {$53.00} showing on my credit profile. After sometime the agent told me that they could not locate my account information, I asked the agent why are they reporting to the credit bureaus about an account they have no record of existing? The agent advised me that they would stop immediately reporting and that the account would be removed from reporting status. 

I fast forward to today XX/XX/XXXX and I while reviewing my creditwise I see Wells Fargo Card Services Charge Off in the amount of {$53.00}. They have attempted to collect on a debt that they have no record ever existed and they also have lied by stating they would not report a ghost debt.
Consumer complaint received 2021-10-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF THE WEST (TX)

First, I am XXXX yrs old, and on Social Security benefits as my income. As hard as I try, occasionally I am overdrawn when my bank, Bank of the West California, pays a programmed AutoPay bill on the XXXX of the month. I do not get my next SSI deposit until XXXX XXXX, XXXX. It will be more than two weeks before I can sort this out even though I have been a good customer for many years.

The bank will pay this even though I do not have Overdraft Protection. I also had one other account that tried to bill my account but that was only for {$15.00} so I guess that wasn't important enough for them to bother.

However, are there not rules against Usury? Being charged {$35.00} for an overdraft of {$88.00} is one thing, but then the bank threatens to charge an " Extended Overdraft '' fee for more than five ( 5 ) days! Isn't this called loan-sharking? Another {$35.00} for {$88.00} for five days? Give me a break. I am a senior and the bank makes lots of money on many, many fees. 

Is there any way you can not only help me with this instance, but also in getting the banking laws changed to prevent this kind of predatory behavior? Man, since XXXX, and passage of the Dodd-Frank XXXX XXXX XXXX have not seen anything but consolidation of the financial industry and a deterioration in service and an increase in plain old XXXX  and no one does anything about it. 

Your assistance is greatly appreciated, XXXX XXXX XXXX XXXX XXXX since XXXX
Consumer complaint received 2019-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have two Bank of America credit cards. Two weeks ago we noticed we had not received a statement from our Merrill Lynch card through Bank of America. In contacting them I found out that they had switched it to electronic billing. I had received no notice of this change or had I requested it. So now I had late fees and finance charges. The past two days I tried to use another credit card from Bank of America and it was not accepted. Again in calling Bank of America I was told my card was locked since I was two months behind on payments. I stated that I had not received a statement. I was told that the account was on electronic billing. Again there was no notice of this billing change and I had not requested it. Once again I have late fees and finance charges. I pay off my credit cards in full every month without fail. I was told that they could see that I had an excellent credit history. I was told if I made a payment by phone right then they would unlock my credit card and remove the late fee, but I am still looking at finance charges This has also affected my credit score as  well. I have heard from numerous other people that they have had this same problem with Bank of America. It appears that they have found a way to make extra money by switching people to electronic billing without giving notice and collecting late fees and finance charges for several months before it is found out.
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (FL)

I recieved a settlement check for {$1200.00} from XXXX  XXXX XXXX settlement through XXXX XXXX XXXX XXXX XXXX and deposited it into my account XX/XX/2022 and was told to call the next day to see if I can get it cashed but I was told they needed to verify the check with the bank and the law firm that got the class action lawsuit settlement.I 've called everyday to chase to try to get this resolved, I even called signature bank and XXXX XXXX XXXX legal administrative myself to get this all figured out so the check can get cleared they stated that other people in the class action lawsuit had chase accounts and didnt recieve the problems I had received from chase bank .I have been on the phone with chase bank for 3 weeks on hold for XXXX hours, I've experienced unprofessional service, I've been hung out on 14 times I total, disrespected, humiliated when I do walk in the branch for more assistance, I feel like race is a factor in this situation from seeing other customers get handled differently in the past .I tried to put a stop on the check to get another one reissued but the check has already been cleared its just chase bank holding the check for no reason at this point, my account has been restricted so I cant use funds that I've already had in there before I deposited the check .I missed my anniversary with .y wife for this reason and have got behind on Bill 's as well ..I wan na be composted for the pain and suffering that this situation has caused me and my family.
Consumer complaint received 2019-07-06
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. (FL)

I am filing this complaint based on the keys principles set forth by the Basic Consumer Rights. The Consumer Bill of Rights pushed for by XXXX XXXX XXXX established four basic rights ; the right to safety, the right to be informed, the right to choose, and the right to be heard. I was denied all four. On XX/XX/XXXX, I bought a vehicle from XXXX   XXXX XXXX. As a mean to lower my monthly payment, I used a Chase Sapphire Preferred and a XXXX XXXX respectively to add {$4500.00} down payment. After I took the vehicle home, I discovered several issues that required immediate attention of the dealer. I called and spoke to XXXX, the salesperson and he advised me to confirm a date that I could bring the vehicle in. When I arrived at the dealer upon inspection there was more problem than I initially thought. At this point I asked to speak with the sales manager based on satisfaction guarantee that was issued to me by the dealer. After over six long hours managers finally agreed to allow to change the car for a similar model. As a practical matter, what he failed to disclose to me was that my {$4500.00} was not part of the refund. I found out in the process of the new paperwork signing because of the discrepancies in the numbers. Two things happened, I was not disclosed my down payment was not refundable and I did not have the opportunity to negotiate a fair assessment of what the cost to repair the issue I was having which by any standard would be a fraction of the {$4500.00} that I used as a down payment. I filed a complaint with both credit cards Chase {$3000.00} and XXXX {$1500.00} and they both concluded their investigation without fully investigating the matter and further proof of documents. They just took the dealer at its word and close the case. If those four standards of Basic Consumer Rights apply, I should be entitled at minimum to a fair hearing.
Consumer complaint received 2019-08-21
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I am a victim of Identity theft. Upon checking my credit report on XX/XX/2019 I noticed that Nissan motor Acceptance is listed as a dad debt on my credit report with the amount of {$19000.00} I have never owned or leases or signed any documentation to this company in my life. I recently filed a identity theft report and submitted all documentation to Nissan motor acceptance and all three credit bureaus XXXX XXXX and XXXX. On XX/XX/2019 I recieved a letter from XXXX notifying me that Nissan motor acceptance did an investigation and the account was added back to my credit report.
Consumer complaint received 2021-10-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld Systems has continued to willfully report inaccurate information of an alleged debt after being notified several times via certified mail. I have attached the debt validation letters, inaccurate reporting, and certified mail receipt. 
This company has failed to respond within 30 days as requested from the debt validation letter. I have attached the certified mail receipt. The company has not been able to provide a contract with a wet signature for the alleged debt as requested. 

There is a 1 month term showing for this alleged debt which is falsely indicating that there was a contract between myself and Transworld Systems which is not true. I have never had a contract with this debt collection company. 

There is a past due balance showing on this alleged collection account as well. A past due balance cant be shown for an account there was never any payments made to nor a valid contract this is a violation of the FCRA willing reporting invalid and inaccurate information. 

This 3rd party, has no rights to collect anything from the alleged debtor since there is no way you can prove you were on any original contract. Familiarize yourself with 73 Am Jur 2nd, Section 90. You have no right to " subrogate '' ( substitute ) yourself into a contract, whether it is by purchase, assignment, transfer, or trade. If you " bought '' the debt, you did it on your own behalf, not at the request of any alleged debtor, and therefore are a " stranger to the transaction '' ( voluntary payee ).

The previous CFPB complaint is attached indicates that they may not have sufficient time to complete an investigation of the alleged accuracy. According to the FCRA if the 3rd party debt collector stated there has NOT been Sufficient time to complete an investigation the third party debt collector shall immediately change the items in the relevant file as requested by the individual. I requested for this alleged debt to be removed and deleted from all three credit bureaus and for it to be REMOVED from their records.
Consumer complaint received 2019-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WEBSTER BANK, NATIONAL ASSOCIATION (RI)

I went into the Branch of Webster Bank on XX/XX/19. I deposited XXXX {$20.00} 's. One was not verified. It came out. Then I put it back in. It then registered. Before I could hit the complete deposit. The screen went blank and my card and portion of the {$20.00} 's put in were kicked back. I counted the money and realized XXXX {$20.00} 's were missing. There was a glitch in the ATM. A letter is being sent. Declining the return of the funds not given. Webster claims the ATM with the Glitch was accurate. I am not chasing money I am not entitled to and don't appreciate Webster 's handling of their ATM in the middle of a deposit. I'd rather my money gone into my account and this be the end of the matter. No I am chasing funds because of an ATM glitch.
Consumer complaint received 2019-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (FL)

In XX/XX/2019 I was notified that I had a collection on my credit report Waypoint Resource Group account # XXXX. I disputed the account with XXXX. Waypoint verified the items with XXXX! I contacted to Waypoint directly on XX/XX/19 speaking with XXXX and XXXX XXXX. They both informed me that my address and birthdate did not match up with their file. At that point they told me they couldn't discuss the account with me because they could not verify my information! Of course they couldn't because it's not my debt, I say. Please remove it from my account. They can't remove it because I'm not the owner of the debt. They tell me a can dispute it with XXXX  or the original creditor. I called the original creditor, XXXX XXXX XXXX and spoke with XXXX employee # XXXX who could not find any delinquent accounts attached to my name, address or social security number. He waited on the phone while I tried to conference call Waypoint to hopefully resolve it with them but after being on hold for XXXX  minutes, we were hung up on. XXXX didn't want to wait any longer so we ended the call. I have started another dispute with XXXX  with the additional information obtained. Waypoint never contacted me ( because they didn't have my contact info ) but were able to put a collection on my credit report and then did nothing to resolve their errors.
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have a loan with XXXX XXXX, 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 XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX and Equifax only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never XXXX days late.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (IA)

in XX/XX/XXXX I was a victim of identity theft through Wells Fargo XXXX. I feel like I should be compensated Reason being I lost my military career over this scam and I haven't been able to recover since then. If you look into my files I was humiliated ignored and mislead about this current case and I need somebody with the ability to get my funds right. I've been waiting over 9 months I should be compensated more for pain & suffering alone. On top of the years of my name being bashed through the credit system, my credit score is currently XXXX and I'm having a problem with getting that house for my wife and my XXXX children and also a vehicle to get around with my XXXX children due to my credit then so low. I have never even apply for a credit card before I was activity military I always pay my bills on time! I had an XXXX XXXX military checking account which came with identity theft insurance in which states on your website that I should be compensated up to {$10000.00}. I have attached that file for anybody who does not agree with my insurance policy! This case has been an investigation since XXXX of XXXX and I've been proven not liable for the Fraud done to my account, I've proven that this incident did have an affect on me being XXXX from the military ( general ) I might add. But yet Wells Fargo 's refuses to compensate me. I lost my military career in the world 's greatest XXXX XXXX I deserve my credit to be restored and compensation for it all.
Consumer complaint received 2021-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MS)

I received their letter dated XX/XX/2021. Theyve made an error. I do not want their business! I refuse their claim, deny their claim, and submit for fraud any business claims they alleged because we have no business relationship. 

Per the Fair Debt Collection Practices Act, I request them to cease and desist all collection activity including contacting me via phone, any negative reporting to the credit bureaus, filing fraudulent judgments, and are therefore barred from selling assigning or transferring any and all data regarding this account to any other party, subsidiary, or affiliate. Thank you.
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have a loan with XXXX XXXX, 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 XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days late.
Consumer complaint received 2020-11-21
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. (MN)

I sent a dispute letter on XX/XX/XXXX through Certified Mail to Equifax requesting a reinvestigation and the Method of Verification for an account on my credit profile through Equifax. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Equifax has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. The public record is non compliant, inaccurate, and unverifiable.
Consumer complaint received 2019-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (NJ)

THIS LAST YR THIS COMPANY XXXX CHARGING ME {$39.00}, I CALLED THEM AND THEY SAID I SUBSCRIBED SOMETHING THAT CAN INCREASE MY CREDIT SCORE, BUT I DONT EVEN REMEMBER, I TOLD THEM TO CANCELLED BUT STILL CHARGING MY DISCOVER CREDIT CARD, AND I ALWAYS DISPITED IT.I DIDNT NOT AUTHORIZE THEM BUT STILL CAN STEAL MY ACCOUNT.THEY HAVE A LOT OF WEB SITE NAME LIKE : XXXX XXXX, XXXX, XXXX. XXXX XXXX, AND MORE WITH THE SAME AMOUNT {$39.00}