davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I was searching for a vein-finder medical device online. I was happy to find the device at an affordable price at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. The website looked very legitimate. I corresponded with a member of the sales team, " XXXX, '' via email for a few days about the device. I was vetting them, asking detailed questions, and requesting details of the device before I purchased. I am a very skeptical person when buying online but they complied with all my requests. They said the only way to pay was via wire transfer. On XX/XX/XXXX, I wired them {$1100.00} for the device and they responded saying they would ship my device as soon as they verified the wire. Soon after, they stopped responding to all of my emails. The phone number listed on their website was not in service. I never received the device. 

After I assumed I had been scammed ( about 5 days later ), I immediately contacted my bank ( Wells Fargo ) to report the fraud. I think this was on XX/XX/XXXX. I offered supporting documentation ( like my email correspondence, real time pictures of the device, and pictures of the invoice, etc but they denied needing it. The agent said they would contact me if they needed any additional information. Shortly after this call, I filed a report with the FBI internet crimes division about the fraud. 

Today ( XX/XX/XXXX ) I received a letter in the mail today saying Wells Fargo denied my claim because I they could not get the funds back. I am aware its difficult to get funds back from a wire transfer, but that is what having insurance is for. 

I called Wells Fargo on XX/XX/XXXX requesting to appeal the claim and they again denied the need for any of my supporting documentation, and said I could not appeal it. They weren't interested in even seeing anything. They said they have a protocol they have to follow and basically told me " too bad. '' I have been a customer for almost 20 years and have never reported a claim like this. If every aspect of the transaction seemed legitimate and it turns out being fraud, is there no protection from my financial institution? I am EXTREMELY DISAPPOINTED in how I was treated as a customer and am considering closing all of my accounts and credit cards with Wells Fargo if this can not be remedied as I feel I am no longer protected by them as a consumer.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: World Omni Financial Corp. (NC)

I have XXXX automobiles financed through World Omni Financial XXXX Southeast Toyota Finance - SETF ). XXXX accounts are showing payments made on time as XXXX days late XXXX. I have contacted XXXX on numerous occasions and while they state I am correct that these payments are not late the customer service representative and supervisor state that I must dispute this with the bureaus as they supposedly have no control over how the bureaus report accounts. They have refused to contact the XXXX credit bureaus to have this corrected and reported accurately even though they admit that the payments were made on time. I would like the late payments removed for XXXX and XXXX XXXX corrected immediately as you can easily see on the statements from SETF, these payments were made on time. Afterwards, I would like all of my payments reviewed and corrected on my credit report. With the most recent obvious errors made by them, I now question the accuracy of all reported late payments. I do know there were a few late payments in either XXXX or XXXX, but not as many as they are reporting. With their refusal to correct the issue on my behalf, I would like to know if they are being truthful in their statement that they can not have the errors corrected. XXXX accounts have been paid through XXXX of XXXX. If there is a way to show these on time payments as well, I would like for those to show as well. I am currently paying for credit reporting services to monitor these accounts closely. If it is found that the lender could have easily corrected these inaccuracies, I would also like to be reimbursed for all costs associated with these errors. Thanks in advance for your assistance.
Consumer complaint received 2015-05-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (AZ)

I continue to call to see if my balance is paid. I get paid every week and the amount that shows is more than what is owed. I am getting over garnished and the debt collector is not communicating with my employer. Currently I am in the XXXX, the judgment was for XXXX and some change. Their response is that they have n't gotten the payment, but every time I call its a different answer. The last time I called they said the last payment they received was for {$40.00}, but that was taken out of my check XXXX weeks ago. I just want proper communication between the creditor and my employer.
Consumer complaint received 2017-02-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (CA)

I received services at XXXX XXXX in XXXX. They made several clerical errors in billing my insurance, and attempted to collect directly from me instead. My insurance company, XXXX for XXXX XXXX, XXXX XXXX XXXX investigated and confirmed that this was an error. XXXX continued to send demands in ever-changing amounts ( {$2300.00} on XXXX/XXXX/XXXX, {$1000.00} on XXXX/XXXX/XXXX ). 
Transworld Systems Inc sent a debt collection letter on XXXX/XXXX/XXXX demanding {$200.00} on behalf of XXXX. XXXX also sent a letter on XXXX/XXXX/XXXX demanding {$1000.00}. 
I never received a bill for {$200.00} from XXXX at any time. 
Transworld is attempting to collect a debt amount that I have never been asked for, and the debt it is related to was investigated by my health insurance company and found to be invalid.
Consumer complaint received 2015-07-15
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (MO)

This account was previously submitted to XXXX Attorney General 's Office for illegal collection practices. I later was informed that Attorney General 's Office of XXXX was unable to locate holder of account. This account has since been to sold numerous but I was not notified, thereby accumulating massive fees without my knowledge. After reviewing credit report and numerous phone calls, I was connected with XXXX of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. Upon speaking with individual, was informed of an expected payment amount with-out seeing the actual balance owed in writing
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : POLICE AND FIRE XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX Account number POLICE AND FIRE XXXX  Account number XXXX  XXXX XXXX  Account number
Consumer complaint received 2023-08-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

I was buying tickets for XXXX on XXXX XXXX.. but because of where the seller was located, I needed 2 day shipping which XXXX does not support ... ..so the seller asked me if using XXXX  would be okay ... .I said absolutely and he was very communictive all daywith me... we decided to use XXXX as I bank with Chase ... .at the same time that we were texting, I called my bank and asked themabout the person that I was sending the money to... they specifi cally told me that as long as they are " registered & verifi ed '' with XXXXthat it should be okay, I asked if I would be covered in case something happened, they responded yes s long as the recipient was, again " registered & verifi ed '' ... so I purchased the tickets and asked for the XXXX  tracking number once he told me that my ticketshad been shipped... .then nothing ... .I tried to use the XXXX  tracking number but it was not in the system... .I went to my local XXXXoffi ce and they told me that I had to call XXXX  Customer Service... .I had been for two ( 2 ) hrs previous to going to XXXX inperson ... .anyway the registered person on XXXX was XXXX XXXX ( XXXX ) the amount of the transaction was {$430.00} on XX/XX/XXXX ... .I was supposed to receive the tickets today... .I did text the seller several times with no luck ... then heresponded that his daughter had been bitten by a dog & even went so far as to send me pics ( they were pretty bad ) ... .I told him thatthe tracking number wasn't working & could he please send me a copy of the XXXX  receipt ... .I heard nothing until the next morning & he apologized & told me that he would be sending it to me shortly ... .I knew he already had the money, why would he stsill becommunicating? Since yesterday, no communication & his telephone mailbox can not be reached ... .I do not know what I have to do tofi le a claim and stop this person ... since this all took place he has since been blocked by XXXX XXXX... he stated that he was in XXXX, Txbut the telephone number if for XXXX ( XXXXXXXX XXXX ) the telephone number is : XXXX ... it was perfectly legitimate to think thenhe may have bought the tickets to go to XXXX living in XXXX  it's close, and at some point moved to TX & could no longer use thetickets ... ..what can I do? The Sellers Name was : XXXX XXXX, XXXX ( or XXXX  ), TX..
Consumer complaint received 2016-03-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: TRANSWORLD SYSTEMS INC (KS)

THe company was Transworld Systems inc . The collection was for a final waterbill which i am not sure if i actually owe it from 4 years ago. They sent the collection notice to my brothers address which he has only lived at for 2 months. I questioned them on how they got that address and they said it was on the water companies file. It was not as I had already called the water company. She then proceeded to tell me i was lying then i asked her to transfer me to her supervisor. She responded they were not there and i would have to do with a voice mail then she cut me off. She did this again after I called back. The bill was {$35.00} and on the first call she said it was denied which i knew better as i Had over XXXX in this account. She then asked me to pay via my bank account i told her no. I ask her to email me something saying that once i paid this ( keeping in mind i do n't think i owe it ) she refused and hung up on me again. Through out the conversation she kept talking over me not allowing me to get my questions out.
Consumer complaint received 2016-02-02
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (WA)

In XXXX, 2015 I applied for an American Express credit card. The offer included a {$300.00} statement credit if I charged {$1000.00} on the card within the first three months. I charged over {$1000.00} and am still waiting for my credit. I call every month and get " We 're looking into it ''. " We 've open an investigation ''. " Please give us six more weeks to look into this matter. '' I called today and was told that no investigation was started but they would be happy to start one. They refuse to issue the credit card credit as indicated in the letter attached to my application. RSVP Code for the credit : XXXX. I tried to close this card today but was told that no credit would be applied if I did.
Consumer complaint received 2015-05-12
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Rausch Sturm LLP (WI)

I have a payment plan with Rausch, Sturm, Israel, Emerson & Hornik Llc. 
By law I requested a letter with the information of how many payments I have left. I requested for that letter alnostv2 weeks ago and I never got it. 
I called em yesterday and asked bout it and the guy I talked to told me to call 1/2 hour later which I did. once I asked bout it again the guy hang up on me. I called XXXX or XXXX tines more without any luck finally I ended up talking to a different person who asked me for some information and told me he will get somebody to call me but nobody did. 
I called this morning again and after several calls in which I was left waiting until they hang up on me every time I finally talked to a guy whose namevas XXXX. 
He asked me for the same information the other guy asked and promised me to send me an email with the info I requested but he never sent me the email and by law if I requested the info bout how many payments left I have they have to provide it but they never did.
Consumer complaint received 2020-06-10
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$29000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- PERSONAL ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.
Consumer complaint received 2017-03-10
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (CA)

I recently setup an automatic payment on my American Express credit card to pay the statement balance on the due date. Previously I had been paying this account using the mobile app. With the payment due date approaching I logged in to my mobile app and made a payment for the statement balance. There was no indication that an auto payment was already established and the credit card company accepted my duplicate payment. I was made aware of the duplicate payment when it was debited from my bank account twice on the day after the due date causing my bank account to overdraft. Luckily I was able to cover the overdraft while the payment was still pnding. I called to get the duplicate payment reversed and they said they would have to send me a check in the mail that would arrive in 7-10 business days.
Consumer complaint received 2016-09-30
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY (OH)

i received a letter from American Express saying " I have been qualified and enrolled in the Select & pay Later feature .... If you do not wan to be enrolled in Select & Pay Later, please contact us ... " If you cancel you will not be able request this program in the future back. 
They list the charges at 18.49 % APR. 
This is was in a letter that could have been easily thrown out. This is not something I asked for. This is a way they can trick customers and force them to pay high interest charges when they sign up for credit card which is designed to have the balance paid off at the end of the month. This is predatory behavior and should be stopped. They need to ask your permission to enroll in the program, not you must call in to cancel something you did not ask to be enrolled in.
Consumer complaint received 2016-05-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management , Inc have consistently harassed me to XXXX paying a debt which I do not owe nor have any responsibilities for. They persistently and aggressively report on my credit profile an account which other credit collection companies in the past, long deemed erroneuos mistake ; and have appropriately deleted off my credit profile and adjusted correctly with the XXXX major credit bureaus in my favour. 

This account they continue to aggressively report on my profile monthly is hindering and encumbering my ability to secure any measurable career. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (LA)

During the process of applying for a loan modification I ask if I could make my payments and was told NO that it would mess up the underwriters figures. It took XXXX 1/2 months to receive the first denial answer ( which made me 4 months behind on my payments ). On the second application it took four months to receive a denial answer which made us 9 months behind, Nationstar Mortgage says for us to be re-instated it will take {$13000.00} which includes late monthly payments and legal fees. 
We did get a loan modification from Nationstar Mortgage XX/XX/XXXX and two months into XXXX I XXXX at work and was unable to work. This is when all this started, I sent Nationstar Mortgage letters from my Doctors stating my condition both the XXXX XXXX doctor and the XXXX Doctor stated I was unable to work. I was told by my loan specialist that the Underwriters did not even look at the letters because it did not fit into or with their guidelines. I told Nationstar Mortgage during the last modification that I had paid off both of my car loans and would be able to set it up with my bank to have an automatic withdrawal of {$750.00} or {$800.00} to be taken out for a house payment -- -but this was not good enough for Nationstars ' Underwriters '. 
I was also told that Nationstar Mortgage did their own underwriting and financing and did not receive any money from the Government in XXXX when the Federal Government bailed out a lot of banks, well I just so happen to have gotten a letter from Nationstar Mortgage in which it states and I quote '' you were evaluated for mortgage payment assistance based on the eligibility requirements of XXXX XXXX XXXX XXXX XXXX XXXX, the owner/guarantor/trustee of your mortgage loan. '' I talked to XXXX from Nationstar this afternoon and ask him ask the banking situation and he said he really did n't know anything about it, and this is a man that works in the lost prevention section. 
Also during the two times we tried to get a modification I would get e-mails saying that we needed to send in this or that document, some of which we sent in no less that four times. After sending in the documentation they requested we would get a letter stating that it would take them from15 to 30 days to add those documents to our application and that they would get back in touch with us within 30 days -- -which goes back to what I was saying about making payments. 
It ended up looking like a catch 22 situation, one of which I wish we could get out of. I just want to start making my payments again and be able to stay in my house.
Consumer complaint received 2023-06-06
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: AMERICAN EXPRESS COMPANY (AR)

On XX/XX/2023 I got an alert from XXXX, XXXX and XXXX that AMEX reported that two credit cards accounts had been open. They reported it as a charged off with a balance. I advised the agent that I've never had an AMEX card. I have been a victim of identity theft in the past. I have filed a police report and FTC report. Please investigate AMEX for violating my consumer rights and for falsifying documents. This had hurt my ability to obtain credit. I was in the process of buying a home. now i have to withdraw.
Consumer complaint received 2015-06-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (NY)

XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXXXXXXUnited States Phone:XXXXXXXXI have been called at XXXX in the morning to almost XXXX at night XXXX times a day. I have asked them to stop on several calls and the Reps all say they will not stop and they will call me whenever they feel like it. I have asked them on these several communications to please stop harrassing me they laugh and say " they will call as many times as they wish and no one can do anything about this '' They have also called me from personal cell phones at XXXX. They are trying to collect a debt that is over XXXX years old that I just do not owe.
Consumer complaint received 2016-12-26
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (CA)

I am trying to contact TSI to discuss my bill and nobody answers the phone and the answering machine is full so I am unable to talk to anyone to resolve my issues. There was a misunderstanding and I am not able to talk to anyone to resolve this issue. Because of this I am afraid this will negatively affect my credit rating. As soon as I received the bills from TSI I paid immediately and I am requesting they do n't submit this late payment to the credit bureaus. My payment was no more than 31-60 days late.