davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-16
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

Out of necessity I used Money Gram money transfer service to send money international, I pay the fee service required to send money with the promise that will only take 5-15 minutes to be available for the recipient to claimed. It has been more than 10 days and my money does not reflect as being deposit. For the last two weeks I have contact MoneyGram to find out the status of my transfer, which every time I have contact I have been informed that my money is ready and available to be claim, when my recipient tries to claim the money it does not appear available. I have asked MoneyGram for a clear answer, however MoneyGram has not been able to provide me with a clear response as to where my money is or what happened. I requested for my money to be reimburse immediately, I was informed today that it will take 10 days in order for me to get my money back, which is something that does not reflect in their policy. I am a hard working individual, and if used the system is out of necessity, I do not want others to go to the same struggle I am going through. It is not acceptable for MoneyGram to lied about their service, it has cause many troubles with this issue.
Consumer complaint received 2015-04-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (FL)

Letter to Lender : Re : - Pay Pal Smart Connect AccountLender : As confirmed today, in my conversation with XXXX, the Smart Connect Manager on duty, on XXXX XXXX, XX/XX/2010 at XXXX XXXX my account has no late payments and payments are paid {$10.00} above the minimum due balance, but because Lender has randomly checked my credit and is n't comfortable with my performance in other matters has decided to lower my limit from {$300.00} to {$160.00} and has informed the credit bureau of such action. 

So in effect, you have benefited from the interest earned from my payments and despite my perfect payment history with your company, I am being penalized for actions in other matters. Why did Lender even decide to grant this account to begin with, it is a no win situation for me. 

I am sending this letter to the banking commission for their consideration and to the credit bureaus. 

Your actions are unconscionable.
Consumer complaint received 2015-04-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (PA)

I am lodging a formal complaint against ehanced recovery company. This debt collection company has violated my rights and the XXXX. I recieved a dunning notice from this company in XXXX of 2014 advising me i had XXXX days to ask for validation on a XXXX account i have no knowledge of having for a horrific amount of {$1000.00}, i immediately sent them a debt validation request within the XXXX days, which was sent via XXXX certified mail with return reciept. enhanced recieved my validation request i have the return reciept and copy of the debt validation letter, which i will keep for my records. Enhanced recovery intentionally ignored my debt validation request, instead of validating the debt, enhanced recovery reports this negative debt to the XXXX major credit reporting agencies, which in return has damaged my excellent credit. I want this negative account deleted from my XXXX credit reports immediately!!!!!!!! I will also be filing complaints with my XXXX attorney general office, and XXXX attorney general office!!!! I Have done my research on this company, and found out this is normal for them too do. They have numerous negative complaints for their deceptive business practices. Please do not continue to let this company think they can continue treating consumers like XXXX! Thanks for your time!!!!!!
Consumer complaint received 2015-06-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (AZ)

Have filed Complaints to XXXX XXXX XXXX. 
In regards to the Enhanced Recovery Company # XXXX. 
XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX/XXXX/2015 sent a 30-day Validation Notice. 
Have asked Several times in the last 5 months to have the items removed. Contacted : XXXX XXXX, XXXX and XXXX. 
The repositories do n't contact the Debt collections and their reply is they verified the information is correct. Need the item removed. Please! Next step is to file a Class Action Suit in regards to Title V of the Fair Debt Collections Act.
Consumer complaint received 2015-10-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: TRANSWORLD SYSTEMS INC (CA)

I work at a XXXX, when presented with an opportunity to further my education and advance in my department in 2006 I enrolled in a XXXX college in XXXX XXXX, CA to do so. I applied for what I understood to be a Federal Loan via the internet in order to support my self, wife and ( at the time ) XXXX children. While in the program I would not be able to work as many hours in order to attend school and would have XXXX to perform. Unable to finish the program due to a medical condition with XXXX I was forced to return to my previous position and lacking the ability to repay the loan properly. My family has since after a very long and hard decision filed personal bankruptcy two years ago attempting to make a fresh start and going back to what we thought was ground zero. We now find ourselves below zero with the current garnishment from XXXX XXXX XXXX XXXX. I was first made aware of the garnishment as I received papers from my HR department notifying me of the garnishment. The papers were never received by myself at my place of residence nor was I personally contacted by XXXX XXXX XXXX XXXX and XXXX in an attempt to negotiate with us. The impending garnishment on my check will in fact force us to move as my income pays our rent for myself, wife and now XXXX children. Only any additional money my wife makes puts food on the table, gas and utilities etc. We consider ourselves responsible people and arrived at the decision of our personal bankruptcy very arduously and after a great prayer and consideration. Only after discovering the loan with XXXX XXXX XXXX XXXX was NOT Federal and that there is seeming absolutely no recourse as a consumer we are simply at a loss. I feel we will be in indentured servitude for the unforeseeable future as we have explored any number avenues with no foreseeable avenue for a solution. My mother lives locally and is reaching an age where she will need care limiting our options of moving to a less expensive area of the county, in addition I am reluctant to leave my current employment as it has excellent medical benefits and my children as well as my wife have immediate medical needs which our plan covers completely. My child is enrolled in resource at her school with a XXXX and i am reluctant to changer her environment as well thinking of her future. If I were to loose medical it would be disastrous. I am simply at a loss and need help. I am not one to evade responability but feel not all of the lending practices exercised here were forthcoming and upfront or conducted properly. I ask for your scrutiny in this situation as I have already sought legal help which again was fruitless. Thank you for your time and consideration.
Consumer complaint received 2015-11-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (MI)

I was a customer of XXXX from XX/XX/XXXX-XX/XX/XXXX. I had a single line, with no data plan. At that time they did not give away phones or let you buy them on payment plans. There is no way that they would allow someone to be over {$600.00} past due without shutting off their service! I have also never recevied any type of correspondence from XXXX stating that I owed any money, I also have never been contacted by a collector about owing XXXX money.
Consumer complaint received 2015-05-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (VA)

I filed and got a chapter XXXX discharge in XXXX 2011, XXXX of my creditors was XXXX XXXX for a career loan through a non credited school, which was included in the Bankruptcy. I have started to get calls from XXXX XXXX XXXX systems of XXXX, Ohio as of XXXX XXXX that my career loan was not qualified for XXXX. And I have to pay the full amount. After XXXX years? I have contacted the XXXX XXXX loans and confirmed the loan is not a Federal Student loan. This loan was a signature loan for {$50000.00} and now the XXXX party collection company is claiming I owe {$12000.00}. Looking for help to resolve this as I was under the assumption this was discharged as well. Under IRS policy this is not qualified as an student loan.The collection company has called my family members and stated this is an attempt to collect a debt ( why are they sharing private information with family and friends )?
Consumer complaint received 2015-05-13
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Advantage Collection Professionals, Inc. (MN)

Called work number, the first time she was transferred to me, I explained that it was absolutely unacceptable for me to have calls at work and they could not call me again. The lady just called me again ( after a couple of weeks ) and said that she would continue calling me at work since I do n't answer my home phone.
Consumer complaint received 2015-04-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY ()

I received an email from Wells Fargo Bank stating that my online password was disabled since it was entered incorrectly XXXX times. This must have been done by someone other than myself. I tried to reset it online but this was unsuccessful so I called Customer Support. I was told that they would NOT be able to help me at all and that I must go to a branch. I live in XXXX XXXX so this is not practical for obvious reasons. The call was escalated and I was told the same thing. I have now left a voice message for the XXXX level and have been told not to expect a call for the next 2 days! I also reached out to XXXXXXXXXXXX and this group responded with the same responce. I have been a Wells Fargo customer for about 15 years and am shocked that I am now unable to access my account which is active. I need someone who can actually resolve it rather than repeating company policy. 

I am very concerned since there are automatic withdrawals from my checking account and a VISA account that need to be maintained.
Consumer complaint received 2015-06-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KeyBridge Medical Revenue Management (OH)

hi i just found out that bad information from collection agency keybridge medical revenue sent to XXXX and it ruined my credit i just cant see hou they can pull a name out of a hat and send it they said the creditor witch is XXXX sent them the information and they sent it to XXXX that is a lie XXXX sent them paper work and a ss # of the real person since i have the same name of this guy and they could not find him they used me i think something has to be done how can they get away with this please help me i am under full and permanently XXXX i had my XXXX i cant take much moore of this please help
Consumer complaint received 2015-04-03
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Law Offices Howard Lee Schiff, P.C. (CT)

I am writing regarding a Debt Collector, Howard Lee Schiff in XXXX CT. I am in receipt of a letter from the firm that they will be filing a lawsuit against me for their client on a bill that I believe to date back several years. 

They have provided no information on whom they represent as their client so I am not sure what this bill is regarding. Back in late XX/XX/XXXX I was a casualty of the financial crisis and fell behind on a few bills that I have worked to clear up. However I have not had any delinquent accounts since at least XX/XX/XXXX.
Consumer complaint received 2015-04-03
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Vantage Sourcing, LLC (AZ)

I received this email with an attachment which I do not want to open. They portray themselves as an employment agency with the title for their LLC as " sourcing and Support ''. This is false pretense & whoever approved the LLC name and nature of business should be fired. Also, there was no option for communication tactics that rules over email communication. I am not opening the attachment nor calling the numbers. I would like a cease filed on this company as email communication is a breach of security practices under the FDCPA privacy act. My laptop is connected to my work and now they can all see my personal information. I would like to know how they are able to communicate by email, they also do not state the fdcpa " this is an attempt to collect a debt.. '' '' '' Here is the body of the email but I am not opening the attachment to copy that and I do n't see a way to attach it. Nor did I give anyone permission from Vantage for email communication. 

" Dear XXXX XXXX, In the interest of getting this notice to you as quickly as possible, we thought you would appreciate receiving it in an email. Our records indicate that we have your permission to communicate with you at this email address. 
If you are not XXXX XXXX, please click here or call us at ( XXXX ) XXXX to remove your email from our mailing list. 
If you are XXXX XXXX and you do not wish to communicate through email, please click here or call us at ( XXXX ) XXXX to receive no further email communications. 
To maintain security and for your protection, we have securely encrypted the attached document. To open the PDF attachment to this email, you will be asked to enter the last XXXX digits of your social security number as your password. We look forward to speaking to you soon at ( XXXX ) XXXX. 
Thank you, Vantage Sourcing Service & Support TeamPlease do not reply to this email, as it was sent from an unattended mailbox. 
CONFIDENTIALITY NOTE : The information transmitted, including attachments, is intended only for the person ( s ) or entity to which it is addressed and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of, or taking of any action in reliance upon this information by persons or entities other than the intended recipient is prohibited. If you received this in error, please contact the sender and destroy any copies of this information. 
Get XXXX XXXX XXXX XXXX attachment XXXX
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upgrade, Inc. (GA)

I sent the following information on XX/XX/year> to the company ( XXXX XXXX XXXX ) regarding the illegal collection activities for the amount of {$15000.00} and got no response nor corrective actions on their part. 

Dear XXXX XXXX, I am writing to formally dispute the collection account referenced in my credit report and to address multiple violations of my consumer rights under federal law. The collection account in question has been placed on my consumer report by your agency without adhering to the required legal procedures. Below, I outline the specific violations : 1. **Failure to Provide Validation Information** : According to 12 CFR 1006.34 ( b ) ( 5 ), your agency is required to provide specific validation information to me as the consumer. Despite this, you have not furnished any validation information for the alleged debt, yet it appears on my consumer report.

2. **Lack of Opportunity to Dispute the Account** : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to a reasonable opportunity to dispute the account. I have not been given any such opportunity to dispute this account prior to it being reported to the consumer reporting agencies.

3. **Use of False, Misleading, and Deceptive Practices** : Your agency is in violation of my consumer rights by using false, misleading, and deceptive means to collect a debt. This is a clear infringement of the guidelines set forth to protect consumers from unfair collection practices.

4. **Improper Furnishing of Information to Consumer Reporting Agencies** : Your agency has no authority to furnish any account information to consumer reporting agencies without providing all required disclosures by law. This is in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

In light of these violations, I am requesting the following actions be taken immediately : 1. **Removal of the Collection Account** : The erroneous collection account must be removed from all consumer reporting agencies.

2. **Cease and Desist Communication** : Your agency must cease all communication with me regarding this alleged debt unless it is to inform me that the account has been removed from my credit report or to provide the validation information as required by law.

3. **Provide Validation Information** : If you believe the debt to be valid, please provide all the required validation information in compliance with 12 CFR 1006.34 ( b ) ( 5 ). Please consider this letter as a formal complaint and request for investigation into the aforementioned violations. Failure to address these issues promptly will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities. I expect a written response within 30 days from the date of this letter detailing the actions taken to resolve these issues.
Consumer complaint received 2015-12-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (IL)

SOUTHWEST CREDIT KEEPS CALLING MY CELL AND PARENTS PHONE IN VIOLATION TCPA, THESE ARE ROBO CALLS AND HAVE VOICE AND CALLING LOGS ETC.. 7 CALLS IN 3 DAYS
Consumer complaint received 2015-06-20
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I recently attempted to make a purchase via the online delivery service, XXXX. The total for my purchases was {$64.00}. The company, XXXX, charged my visa debit card ( Bank of America ) {$70.00}, in case of replacement items that cost more than the original {$64.00} I agreed to pay. I was at the grocery store and the cashier told me my card was declined, although I had over {$1500.00} in my account. Mind you, this is the only card I have. I called the bank and they told me they had cancelled my card because of fraudulent charges. The charges were not fraudulent yet I am having to deal with having no access to my money in the bank because he bank made a decision to cancel my card. Erroneously. How do I stop this from happening in the future? Should here not be regulation over banks controlling a consumers money, when the consumer has not contacted said bank with any accounts of wrongdoing?
Consumer complaint received 2015-11-30
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMARY RESIDENTIAL MORTGAGE (NC)

Started working with Primary Residential Mortgage mlo XXXX XXXX XXXX XXXX. He informed me XX/XX/XXXX by phone we were pre-apprved for our home loan. XXXX did not disclose anything to us. After a few wks i reached out to the CEO to let him know of my frustrations and he kindly responded and had someone reach out to me. I then began working with XXXX XXXX Division President whom later had me to work with a branch manager XXXX XXXX. XXXX has been polite but has given misinformation throughout this process and has now caused me to lose my home with XXXX! XXXX has been very inconsistent and honestly i feel discriminated against due to not having a higher score as he 's used to. XXXX stated no origination fee would be charged then changed the info. Stated my dti was XXXX % then XXXX % some how no explanation. Told my builder he could n't move forward yet told me we were on hold. NO one at Primary has addressed my concerns and now my family is without a house!
Consumer complaint received 2015-12-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Sunset Management, Inc (GA)

I got a loan for {$300.00} with Sunset finance in XXXX, GA. They have called me after I got the loan and told me I owe {$700.00} for the {$300.00} borrowed. This was not in the contract and also they signed me up for a car towing assistance program that was not in the terms of the loan. I have paid on time and I feel like they are taking advantage of me and charging me fees that are illegal.
Consumer complaint received 2024-10-08
Product: Credit 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)

Fraudulent charges reported by me ( in XXXX, XXXX ) regarding the following charges made in XXXX / XXXX on my Chase Sapphire Reserve Card : - XXXX XXXX, Amount {$5.00}, XX/XX/XXXX - XXXX  XXXX, Amount {$63.00}, XX/XX/XXXX - XXXX # XXXX, Amount {$79.00}, XX/XX/XXXX - XXXX XXXX # XXXX XXXX, Amount {$7.00}, XX/XX/XXXX - XXXX  XXXX, Amount {$36.00}, XX/XX/XXXX - XXXX XXXX XXXX  Amount {$28.00}, XX/XX/XXXX Chased denied these charges as fraudulent, posting a letter to my account on XX/XX/XXXX stating that 'I am responsible for the above transaction ( s ) ' due to 'reason ( s ) : You received benefit from this transaction. ' I called Chase on XX/XX/XXXX to discuss their decision. Customer representative informed me that these were denied because they were made with a physical card and my card wasn't reported stolen. I informed Chase that yes, my physical card was NOT stolen but that I did NOT make the above listed transactions. I asked them if my card could have been skimmed or copied at a gas station, and customer representative said yes. I asked so shouldn't I be refunded if a physical copy of my card was duplicated and I did not make these charges? Customer representative then repeated that charges were denied as fraudulent because they were made with a physical card and my card wasn't reported stolen. 

I asked customer representative to file a dispute during the phone call on XX/XX/XXXX since I believe someone skimmed and mad a physical copy of my card. Dispute is currently in review. 

Contacting CFPB because 1 ) I believe a duplicate was created of my physical card yet Chase didn't refund my initial request and 2 ) because I don't believe Chase is honoring their promised Zero Liability Protection for unauthorized charges made with your card or account information.