davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-25
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: F.H. Cann & Associates, Inc. (IL)

F H Cann and Associates Incorporated XXXX XXXX XXXX # XXXX, XXXX XXXX, MA XXXX has an abusive call policy : they record all calls and do not allow consumers to request not to be recorded -- their policy is to hang up on those calls, creating a harmful environment for consumers that want want to verify their legitimacy while not being recorded. Agents refused to answer company information that is public knowledge like their physical address which created me harm when thinking they were a scam. Their agents and supervisors make it seem like this scenario is the consumer 's problem and use language that felt like I was to blame. I heard phrases like, " Whatever you ask me, I don't know '' ( XXXX XXXXXXXX ) which makes them feel like a scam. I heard, " Are you done? '' ( XXXX XXXX  ) in an aggressive tone from a supervisor which belittled my legitimate concern. One of the agents ( XXXX XXXXXXXX ) created a hostile environment for me when his crying child appeared in the background of my formal complaint. Also, it took an outrageous amount of time or I received hostile answers from agents XXXX XXXX, XXXX XXXXXXXX and supervisor XXXX XXXX. The phone number that supervisor XXXX XXXX provided to reach Manager XXXX XXXX at XXXX did not have a voicemail available and instead had the unhelpful runaround XXXX XXXX. Supervisor XXXX XXXX 's notes say she explained their Recording Policy as " security reasons '' but I do not remember that explanation in our call. F H Cann and Associates needs to not hang up on calls that request not to be recorded and should have the ability to control their call recordings. F H Cann and Associates needs to answer public knowledge questions about their company when asked. F H Cann and Associates needs to ensure the staff mentioned can appropriately handle escalated calls in a way that doesn't blame consumers for these legitimate concerns. Calls from XXXX at XXXX XXXX XXXX.
Consumer complaint received 2022-09-30
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. (TX)

Hello, my name is XXXX XXXX XXXX XXXX and I am submitting this complaint without error or influence from any third-party agency. please see my attached documentation as it contains my requests.
Consumer complaint received 2024-12-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/year> I received a promotional cash bonus for {$320.00} mailing from Wells Fargo Bank. This cash bonus will be automatically credited to my checking account should I make arrangement for a direct deposit of at least {$1000.00} into my checking account within 90 days from the account open date. On XX/XX/year> I came to Wells Fargo local branch situated on XXXX, XXXX, TX. and presented the mailing {$320.00} coupon to XXXX XXXX XXXX, the banker who opened my account and made direct deposit arrangement on my behalf. In my presence XXXX XXXX confirmed with Wells Fargo marketing department that I would be eligible for the cash bonus of {$320.00} after the 90-days qualification period has elapsed. However, this did not happen. I met with the banker on XX/XX/year>, on this issue. He escalated the issue to his management channel. On XX/XX/year>, I received Wells Fargo letter stating that I did not qualify for the cash bonus because banker did not open the checking account through a required link for online offer webpage. Obviously, this decision is erroneous because it was opened and confirmed by Wells Fargo 's banker. The matter continued to escalate through Wells Fargo Management offices. Several emails correspondences back and forth without a justified resolution. On XX/XX/year>, and XXXXXXXX XXXX XXXX respectively I wrote Wells Fargo warning them that I would file a complaint with CFPB against them for their deception towards the consumer and their failure to honor a written marketing promise should they not credited me with {$320.00} cash bonus I had earned. Thus, this complaint follows and filed now.
Consumer complaint received 2019-09-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

1. Capital One charged off my account with no warning and no time for me to prevent it. They say XX/XX/2019 but I had no idea until XX/XX/XXXX when a statement showed up. There was nothing on the statement that said the account went to a " Firm '' or which one it  went to or any contact information. I had to go online to their website when I was able and see it was XXXX XXXX XXXX. I made a complaint to them because I had no idea what was going on. They wrote back and said they'd had it since XX/XX/XXXX ( the day I knew ). I told them about the repeated harassing phone calls from Capital One and they sent me back a note saying that the issue was " Closed '' and sent back to Capital One. That was dated XX/XX/XXXX. I thought and was led to believe this was closed. 
2. XX/XX/XXXX I get a letter out of the blue from XXXX and XXXX XXXX. dated XX/XX/XXXX. It was such a shock because I was led to believe it was closed. They told me that if I was to dispute I was supposed to send them a letter within 30 days and then they would send me proof that I owed it. 

3. I sent them a letter on XX/XX/XXXX, disputing the entire amount because of the letter from XXXX XXXX XXXX. I got a response from " XXXX '' at Capital One on the XXXX to the CFPB complaints. Then a letter from XXXX and XXXX telling me the dispute was " Invalid ''. No explanation. I'm just going with what THEY said in their letter. It's the law! They never sent me an explanation or proof. They are supposed to give me an explanation. Just a " Invalid '' and the amount THEY say I owe. And I'm supposed to call their XXXX number for a payment plan.Nothing else. Nothing that was mentioned they would do in the 1st letter. 

4. Neither Capital One, XXXX and XXXX XXXX, or XXXX and XXXX XXXX sent me any proof of anything or any explanations why anything occurred. I never even got the 30-day dispute letter from XXXX XXXX XXXX. 
This does not mean that any of these people have any right to send me 20 pounds of paper in a manila envelope in the mail. This has happened before with Capital One and it was hideous and a complete waste of their money, time and of natural resources. 
If they must send me page after page do it through the complaint electronically. 
5. These people have tortured me with their complete lack of communication and I am petrified what they will try next.

6. They are breaking the law now to get me into deeper trouble.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Suttell, Hammer & White, P.S (CA)

I have endorsed this debt with XXXX XXXX  XXXX and then also disputed this debt multiple times with Suttell & Hammer, yet they keep sending me harassment letters containing my private information that was sold to them by XXXX XXXX. I will be filing XXXX complaints. I endorsed the credit card on XX/XX/2022 with certified mail article number XXXX XXXX XXXX XXXX XXXX sent XXXX XXXX XXXXXXXX an endorsement where I sent payment in accordance with XXXX XXXX in the form of remittance or coupon payment. I also stated that the account be closed and no longer reported to any credit agencies. I know that it was received and signed for by XXXX XXXX on XX/XX/2022 due to the certified mail receipt I received. This can be tracked with the certified article number XXXX XXXX XXXX XXXX XXXX. 

Now there is a law firm ( Suttell & Hammer ) writing me a letter with statements attached, and I did not request any details or account history, nor would any of this information matter. There is no original contract. No verification pursuant XXXX XXXX XXXX I do not see any signed contract by me with my signed obligation that I would pay this debt. Statements are not a validation of debt. Pursuant XXXX ( d ) you must provide the original Contract. If you can send me the trilateral contract that I signed, not the copies, but the original contract, which I know you can not, because I know I did not sign one.
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — Store credit 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: STERLING JEWELERS, INC. (DE)

Order XXXX was placed by XXXX on my XXXX credit card in XX/XX/2018. When I realized the order was placed on my credit card and not the store gift card, I immediately requested a return label for the items purchased totaling {$2500.00}. I received an email from XXXX ( customer care rep at XXXX ) on XX/XX/18 where he provided me with a return label to ship the items back to the warehouse. I then shipped the items back to the warehouse using the shipping label he provided me. 

After several months and calls to XXXX customer service, I was unable to obtain a credit for the merchandise that I returned. I was repeatedly told that I would need to pay for the items. After checking the XXXX website on XX/XX/2018, to assure the items were received by the warehouse, I then took a screenshot of the page that displayed " RETURNED TO XXXX, OH, US '' I then started reading reviews about XXXX online and realized that this was a big issue that customers have experienced for years now. I have repeatedly tried to dispute this from my credit, but I have not been successful. 

After I advised XXXX customer service of this, they refused to credit my account.
Consumer complaint received 2021-09-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

On XX/XX/2021 someone gained unauthorized access into my account by cloning my SIM card and then stole over {$3100.00} of Bitcoin from me and sent it to another account. Oh and they bought {$1000.00} worth of XXXX using my bank account which was linked to my Coinbase account before they did that. 

Coinbase has treated this like it's my fault and once I disputed that transaction with my bank for {$1000.00} they told me that I owe them that money now. I understand the cryptocurrency is not insured at all but coinbase should have been a little bit more helpful with this matter. They must know where the money went. Also I wouldn't be the least bit surprised to find out that someone from coinbase took my money. Someone had to of targeted me since my XXXX was not in a cold wallet. I thought it would be safe on the app but I guess I was wrong. 

To top it all off I have not been able to access my account and keep getting an error message that says they can't verify my ID and my webcam is not working when I know that my webcam is perfectly fine. I was going to withdraw the rest of what I could that wasn't stolen but I have not have access and now they're telling me they're going to take the remaining cryptocurrency that I have because of the transfer not working when Im not the one who even made the transfer it was unauthorized. 

To sum it up Coinbase is not safe to use.
Consumer complaint received 2023-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Hello, Wells Fargo filed a NOD on the property in spite of the fact that there were issues with the mortgage balance, escrow account, and other issues.. 

I applied for mortgage relief and was approved for the mortgage grant through the XXXX XXXX XXXXXXXX XXXX. I received a message from them that " Your servicer has confirmed that the funds sent by the program for your application XXXX have been applied to bring your loan current as of XX/XX/2023. 

You will receive a follow-up email from the program with the final amount applied to the loan by your servicer. 
However, the balance of {$28000.00}, which included some bogus legal fees and late fees and was paid off through this grant, but Wells Fargo has only applied a partial amount for the balance.. 
Also, my mortgage amount has been changed from its original monthly amount of {$1100.00} and there is an escrow account balance which should not be as I have never had it since the mortgage account was originally set up.. 

I would like to know why Wells Fargo again time after time has the mortgage account in discrepancy..
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

Last month I contacted USAA to change the delivery method of my credit card statement from paperless to paper statements due to the bank cancelling my membership and locking me out of my account since XX/XX/XXXX. I was not able to make a payment on the charged off credit card since XX/XX/XXXX and I still have not received a paper statement from USAA to make a payment on the credit card bill. There are three options for me to make a payment either through phone, online, or mail. I am not making a payment by phone or online due to USAA cancelling my membership and locking me out of the moble app for over a month and half therefore, I requested to receive a paper statement since last month and I have not received the statement to make a payment. I do not trust USAA with my current banking information due to their constant harassment and white supremacist acts of withholding and doing what they want to do with the money I earn by going to work since the year of XXXX.
Consumer complaint received 2021-09-21
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. (NC)

XXXX XXXX a fraud account I have the FTC report filled out my information was stolen thru data breach I have all documentation to show prof I would like that account that dont belong to me to be removed
Consumer complaint received 2022-04-12
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)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-04-12
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: AMERICAN EXPRESS COMPANY (NC)

On XX/XX/XXXX, I prepurchased a ticket for a show in XXXX for my wife 's birthday along with her ticket. Morning of our 3 year ( now XXXX ) got sick and no one could watch her. We chose to all travel from XXXX to XXXX for the show and I stay at the hotel with our kid. I try to resale or refund the ticket with NO LUCK or any support from XXXX while I watch our toddler in another city. I open a support ticket with XXXX  again, no help. I dispute with Amex, no help. I contact XXXX  online, " Sorry for the inconvenience. Unfortunately, refunds are not permitted for this order. 
Thank you for your patience and understanding! 
-DE- '' I could not use the ticket due to the circumstances, resale the ticket or refund the ticket. 

Amex opened and closed a dispute in XXXX  's favor.
Consumer complaint received 2023-07-13
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. (FL)

I took out a loan with this company on XX/XX/2022 because I was behind on several bills following a job loss along with the denial of unemployment benefits and lack of financial support. I was terminated from my full-time job in XXXX of XXXX without unemployment benefits and financial support once again. This situation resulted in my eviction along with the loss of my vehicle and I had to go on medical leave from a part-time job position which was NOT PAID causing me to fall further behind on bills. In addition, I was homeless living in shelters upon availability, motels with vouchers provided, the streets and abandoned properties which has been on-going for almost a year. I have been XXXX on, XXXX, almost XXXX  and attempted XXXX multiple times, I have been trying to get back on my feet since which has been hard due to my former employers blacklisting me from the job field I have a degree in and I had to complain SEVERAL times for them to accept a payment plan in which I am making the final payment UPON THEIR ACKNOWLEDGEMENT & SIGNATURE of the attached contract. 

I will provide additional documentation upon request and thank you for your attention and understanding regarding this matter.
Consumer complaint received 2023-07-24
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. (FL)

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.

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 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc (MD)

My company is transferring our service delivery to another company, and within this transfer I had to undergo another background check. This was the first time I have had the opportunity to review this information, and I have found incorrect information on my report related to an address of residence to include XXXX, Texas. This also appears on my credit reports and I have received phone calls from car insurance companies, as well as regarding medical bills for this address as well. It was shared with me by XXXX of these calls that this individual turns out to have the same name and birth date, however does show a different social security number. Somehow this person 's information continuously ends up on my credit and employment reports which is inaccurate and have been reported to the credit bureau in the past without resolution. Please research and help me resolve this issue for my consumer reports, credit checks and assure this is not potentially fraudulent.
Consumer complaint received 2021-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On the XXXX of XXXX, I sent them a letter asking to validate some negative items on my credit report that I was not familiar with. After 30 days I got no response, I sent them another letter on the XXXX of XXXX to complain that I haven't gotten any response yet and up to this day, they haven't notified me of anything. Here are the things I want to be removed from my report. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX 3. The following personal information is incorrect Employers : XXXX 4. Validate inaccurate/ reported late payments XXXX Account Number : XX/XX/XXXXXXXX please remove inaccurate reported late payments update to payed agreed 5. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

6. The following account is not mine XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2022-06-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (FL)

I reach out to this company asking about a debt i have no knowledge of and they went about it wrong and saying the going to harm my credit report and all type of other stuff i have no knowledge of this debt at all
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Commonwealth Financial Systems, Inc. (LA)

XXXX XXXX  is a scam and didnt receive proper treatment yet charged. Had to go to actual orthodontist. {$1300.00} Installment loans on my account had hidden fees that were Not disclosed. 

XXXX XXXX XXXX XXXX and XXXX XXXX  call me everyday to settle account but shows up as charge off and are actively charging the account. {$620.00}
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (NC)

For 2 1/2 Years Credit Karma has been giving Me FALSE INFORMATION about My Credit Scores, A Blatant Violation of 18 US Code 1038 ; They have had Ample Time to Satisfactorily Resolve The Issue.

Now, To Clearly Avoid Resolving The Issue, They have Deactivated My Account WITHOUT MY AUTHORISATION! THIS IS UNLAWFUL TAMPERING TO AVOID PROSECUTION, A CLEAR VIOLATION OF 18 US CODE 1512, PARAGRAPH C!

IN THE MEANTIME, CREDIT KARMA STILL LIES TO THE PUBLIC WITH IT'S DECIEVING ADS!