davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (DE)

I fell behind for XXXX payments. I call Wells Fargo several times to see if I could pay half of my mortgage payment. I was told that if I didnt pay the full monthly payment there was nothing they can do. I had to put the house up for sale and finally got a buyer. I had to pay their attorney fees as well as mine. It came out of the final payment to the mortgage company. I had to sell the house for {$70000.00} dollars less then what it was worth. They would not work with me at all. They threaten me with foreclosure.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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. 

XXXX charter communications : # XXXX, medical data systems : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

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 2023-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

LVNV funding/Resurgent sent someone to my my house posing as the courts beating on my door I have them on camera and asking the neighbors if they knew me. This is harassment and scary. I filed a police report against the guy along with his tag number. You can not come to my place where I live and harass me over a bill I dont owe. I have a picture of the guy and a video recording. LVNV funding does not own this account and has know rights on harassing me.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2022, someone broke into my truck, stealing both my wallet and phone along with a few less important items, headphones, chargers and such. 
After breaking my driver 's window and stealing my items, they made 2 purchase on my debit card, 1 for {$4200.00} and the other for {$220.00}. 
I filed a police report and reported the fraud to Chase Bank. When I filed my report with Chase Bank, I asked if they needed my police report and they said, if required, someone would reach out. 
Then Chase Bank denied my case, with no one reaching out to me. So I sent in the police report and receipt for fixing my truck window to ensure they had everything needed for my case. However, they denied it again, stating they are not responsible since they verified the cost through my phone, which was also stolen. 

Now, I'm not sure whay to do because XXXX essentially said they have zero responsibility, even though the purchase was verified through a phone that was stolen.
Consumer complaint received 2023-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

During the XXXX XXXX XXXX XXXX8 I had a problem paying for a mortgage. I did a loan modification. It took Wells Fargo XXXX years to modify my loan. Wells Fargo accumulated additionally {$300000.00} in fees and added to my mortgage as a second mortgage. I asked Wells Fargo many times to give me a break down of all the accumulated charges, and Wells Fargo declined.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

Ive reached out to all three bureaus multiple times over the past 2 years months asking for my personal information to be updated. They keep procrastinating they've also sent me a letter asking me to verify that it is me that's sending the letters, so I also sent hand written letters as well. But it is now becoming a huge frustration because there is a lot of inaccurate information on my credit file along with someone else name. At this point the neglect to the situation is absolutely unjust. This is hindering me from achieving my credit goals and is totally unfair to me as a citize. After multiple communications and still not completed.
Consumer complaint received 2023-01-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I was notified by a credit monitoring website that I had a medical debt that went into collections on and around XX/XX/. However I did not recognize the collection agency ( ARS Account Resolution ), the amount of XXXX, nor the original creditor XXXX XXXXXXXX XXXX XXXX XXXX. It was supposedly for an medical emergency service but I nor any family member went to the XXXXXXXX XXXX this past year. Furthermore, I do not recognize the supposed location where this medical emergency occurred. I was not surprise to find out XXXX XXXX XXXX XXXX XXXX did NOT produce a website page result in a XXXX search. Next when I went to inquiry and reach out to the ARS Account Resolution, it became apparent to me that this was a complete fraud and was simply an attempt to defraud money for services that were never rendered. I am now very concerned that my identity has been stolen as this person/persons had sensitive information. It is unfortunate that there are people out there attempting to fraudulently steal money from people who may be vulnerable to these types of schemes. Please advise as this has completely ruined my otherwise excellent credit score.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (FL)

Amex approved an XXXX XXXX XXXX with {$14000.00} as a limit. After a few months without notice, decreased the limit to {$700.00}. 

I want a complete and detailed : - date of account opening and limit - history of spending and payments - explanation for the credit reduction - proposal to keep me as a client - any fees I already paid All communication will be through Consumer Financial Protection Bureau, plus I want a written letter mailed to me. Standard and robotic copy and past letters will be trashed, and a new complaint will be opened upon receive.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

This letter is being sent to you in response to the account furnished in my Report. 
When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. 

According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.

Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX
Consumer complaint received 2023-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA (CA)

When funds are supposed to be available 3 days after transfer, its taking 10 days in actuality for Marcus/Goldman Sachs to do so. 

See the attached Instant message exchange I had with Marcus to this complaint.
Consumer complaint received 2020-08-27
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: Nelnet, Inc. (FL)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these  accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, experian, and XXXX did not modify or removed anything. 

So i asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything. 
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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.

information furnished is inaccurate. tried to resolve many times before. NEED DELETED for INACCURACIES!
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/22 the company XXXX XXXX sold a sick puppy to me. Not only were the selling practices unfair and unethical the contract and selling price of the puppy are not the same. As seen in the contract with XXXX XXXX XXXX XXXX the selling price of the puppy was XXXX with a XXXX tax fee. Now on the original sellers receipt which I have added below the sellers price for the Animal was instead XXXX. The contract and original sellers receipt both depict inaccurate information to the sell of the animal. I have reached out to the company on several occasions to alert the dog did not live past the warranty initiated by the original seller. The company then sold the account to a debt collector upon looking over the information. I plan to see higher counsel if the company does not attempt to settle the debt as stated in the contract the selling price and original price are not accurate. The itemized description states puppy the original selling receipt shows that the price listed and the price charged were in fact not the same.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting 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 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc. (TX)

NO/LATE Response to Dispute (XXXX  XXXX XXXX
XXXX
Account Holder: PRCollect Inc.
Account # XXXX
I have submitted a dispute through XXXX through XXXX XXXX XXXX  on XXXX XXXX,
XXXX the document was verified and received on XXXX XXXX XXXX, the estimated completion
date was XXXX XXXX XXXX. The estimated mailing received date was XXXX XXXX XXXX. The
credit bureau used more than the allotted amount of time given to respond. I have also attached
photos of the receipts for the certified mail, as well as a copy of the dispute letter sent to the
bureau. Attached you will also find a photo of my XXXX Identification card.
Under the "Fair Debt Collection Practices Act",
 807. False or misleading representations
A debt collector may not use any false, deceptive, or misleading representation or means in
connection with the collection of any debt. Without limiting the general application of the
foregoing, the following conduct is a violation of this section:
(2) The false representation of --
(A) the character, amount, or legal status of any debt; or
(B) any services rendered or compensation which may be lawfully received by any debt collector
for the collection of a debt.
(11) The failure to disclose in the initial written communication with the consumer and, in
addition, if the initial communication with the consumer is oral, in that initial oral communication,
that the debt collector is attempting to collect a debt and that any information obtained will be
used for that purpose, and the failure to disclose in subsequent communications that the
communication is from a debt collector, except that this paragraph shall not apply to a formal
pleading made in connection with a legal action.
 809. Validation of debts
(a) Notice of debt; contents
Within five days after the initial communication with a consumer in connection with the collection
of any debt, a debt collector shall, unless the following information is contained in the initial
communication or the consumer has paid the debt, send the consumer a written notice
containing --
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
Consumer complaint received 2023-01-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC. (CA)

I purchased a used car at XXXX and financed it through Santander. In addition to the car I purchased XXXX XXXX ( XXXX XXXX warranty service ) and paid over {$1000.00}. When I returned the car and purchased a new one, I was told that the monies for the XXXX XXXX for my old car would be returned to Santander, but I paid it to Car XXXX. Santander was supposedly paid the money for my XXXX XXXX and would eventually be paid back to me. This is unacceptable and illegal. The money I paid to XXXX XXXX should be returned to me by XXXX XXXX and not sent to Santander. XXXX XXXX claims the money for XXXX XXXX was paid to Santander to make sure the original loan amount is paid off, but that is mixing apples to oranges. I was not able to walk out of the store without making sure the car loan was paid/satisfied. When that happened, all of my money, INCLUDING THE FUNDS PAID TO XXXX  XXXX FOR XXXX XXXX should have been settled. Sending the money owed to me by XXXX XXXX, to Santander, to see if I owed Santander money, when my loan to Santander was paid off is a frivolous waste of time and is illegal. It is simply a way for the XXXX companies together to mess with, hold up and deny the consumer their proper reimbursement. It has been a month since I traded my car in and have no information as to where my refund is. XXXX XXXX points to Santander and Santander points to XXXX XXXX. THIS IS ILLEGAL.
Consumer complaint received 2023-01-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: WELLS FARGO & COMPANY (NY)

The Financial Organization violated my consumer rights by failing to disclose very important information that was needed to be told before the signing of the agreement. The organization also failed to disclose forms very important forms that was supposed to be given before the signing of the agreement. The organization purposely put dollars amount in other parts of the agreement to gain an advantage and to have me pay more.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (DC)

The interest rate fluctuated which every time XXXX playing more then I expected and I really didnt have the knowledge but I felt something was wrong so I left that bank bc the was taking my my money by their interest rates
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (TX)

Applied for shell credit card was told it was shipped on XX/XX/XXXX have never received the card a XXXX later. Called XXXX times customer service is rude and hangs up on you said they couldnt help me due to changing my number after I applied for the card said I have to wait for letter with reference number got the letter XXXX XXXXXX/XX/XXXX called gave reference number asked to have a new card shipped XXXX employee number XXXX at XXXXXXXX XXXX XXXX said it was all taken care of and hung up on me not sure if he updated my phone number and if he sent me a replacement card this is ridiculous customer service and illegal to run my credit and never send me my credit card my account ends in XXXX. 

Thanks XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
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: Earm LLC (TX)

Me and my husband have received several call from XXXX ( XXXX ) XXXX to try and collect at debt that I believe is false. When asking about the debt the info given was inaccurate. And when asked for their address and license number they refused to provided it. Stating that I didnt need that information. And was told that they would report it and mess up my credit and then when I repeated needing that info before we could move forward the guy on the phone kept trying to antagonize me by stating that Im just never going to pay this debt and that I can just keep avoiding it. Its fine they were extremely unprofessional and unwilling to help even with multiple phone calls back trying to get the info I requested. They could not tell me who the original debt was from. But said it was a loan, when I stated I have never taken a loan out in that amount they stated it wasnt a loan it was a transaction with my bank info. And when I brought up the statue of limitation on collections he said that this debt dose not fall under that category that it was like writing a bad check.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (LA)

I had a bank account opened and I see where Wells Fargo owes money to customers and Im wondering if Im apart of the customers because they closed my account for whatever fees. My name is XXXX XXXX XXXX number is XXXX ) XXXX