davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC (MI)

Your advocacy lady Contacted saying she would handle getting me pay for the two XXXX XXXX in my name cash into your bank and account XXXX XXXX XXXX I were told by check fraud investigator XXXX around XX/XX/year> that SSN number XXXX led to that account he cash them into. 

Now it is Discovered that he has open up an account in my name at XXXX XXXXXXXX XXXX XXXXXXXX XXXX no XXXX and complaint file with XXXXXXXX XXXX  as XXXX which would involve illegal transactions at your bank, Please investigate. 

XXXX Claim no XXXX for XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

My account with XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (NC)

I have a very good credit score. I do not have late payments or delinquent accounts and make a decent salary. My credit card application was denied By Wells Fargo for 4 reasons. All 4 reasons had to do with Wells Fargo checking account, not my credit score or outstanding balances, income or delinquent accounts. I do not use Wells Fargo as my primary bank. They denied me due to balance history of the Wells Fargo checking account. No where on the application did it state that I had to have an existing checking or saving account with Wells Fargo. No where on the account did it state that Wells Fargo had to be my primary bank. They are discriminating against me because I do not use them as primary, not because of my credit history or worthiness or ability to repay. Once I received the denial letter in the mail I contacted the mail office. They turned it in for review. After 10 days they called me back and stated I was still denied based off the checking account I have with them. I told them I would file a report and they stated they would escalate my application to another level. My husband has a business checking with Wells Fargo and the tellers keep depositing the money into the regular checking instead of business. I do not have a paycheck that auto deposits into the account, nor do I have any bills on auto payment with them.
Consumer complaint received 2015-04-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I got my loan through a company that sold me a 'Nothing Down and high credit not needed loan. I signed for a XXXX Arm loan with XXXX interest rate. The payments were at {$600.00} a month with no escrow. At that time, I was able to afford this. I fell behind when I and my husband split up. We reconciled and have been trying to get a modification since. I was transferred to XXXX XXXX XXXX and tried over and over again to get a modification. I signed up with XXXX and went to several events and due to another transfer was not able to get a medication. I 've tried and send in docs and docs to Nationstar and still have not been able to get anything done. Nationstar told me that I refused a prior modification and was not able to get a HAMP modification because of it. I 've never signed any docs to any modification. They offered me a trial modification at a 3 % interest rate. I was okay with that modification but they messed up on the maturity date. I called over and over for a year until finally I received another offer. This modification was for 7 % and $ 1600+ a month for a payment. This was way too high of a payment for us to afford. I notified Nationstar that my husband 's work decreased due to the oil and gas industry. I sent in new check stubs to show them the decrease in income. They told me this was the only thing they could offer me or I could do sell my house, do a Short Sale, a Deed In Lieu or just foreclose. I then contacted XXXX again to exhaust all my options. I have been getting numerous calls from Nationstar for me to make a decision. I told them that I am working with XXXX and they advised me that XXXX could not do anything to change their decision. They told me XXXX go with the decision the mortgage company decides. I talked to XXXX XXXX with XXXX and told her my story. I finally have some hope with getting a modification. She advised me that they would do everything they could to help me get a modification and stay in my home. So, I 'm writing to file a complaint against Nationstar. I think they have the power to lower my monthly payment and it be beneficial for us and them..
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Zions Debt Holdings (FL)

Account Name : Zion Debt Holdings orginal creditor : XXXXXXXX XXXX XXXX  XXXX For {$650.00} I do not own this company anything. The original creditor had sent me detailed info on this account years ago. I sent in the info to all 3 credit bureaus and had the account removed. Years later its showing up on my credit report bought by Zion Debt Holder. Ive disputed with XXXX and XXXX and they removed it. XXXX refuse to delete this account and keep up ding my info as verified. Ive asked them to send me proof and method used to verify and also requested that the creditor send me the original contract with the bill detail and my signature. They refuse! I have a perfect credit profile and XXXX reporting this inaccurate information about me is damaging. I wouldnt mind the reporting if it was accurate. The name and address was reporting incorrectly on the account also. I pointed that out and all XXXX did was updated my info and refuse to delete the negative inaccurate reporting of the creditor.
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: World Acceptance Corporation (TX)

I got a call from a random Texas number that was nothing but static and then I called back and this lady with XXXX XXXX XXXX XXXX asked if it was me whom they were looking for and I said yes, and then she asked if I was able to pay And I said no, and then she said a piece officer would be showing At my house tomorrow and that she was filing something with a judge in my town that doesnt even seem to exist.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc (FL)

I was contacted by XXXX, who claimed to be an employee of XXXX, a leading e-commerce platform founded by XXXX XXXX in 2008. She mentioned that she got my information from XXXX at XXXX XXXX XXXX, XXXX. XXXX explained that XXXX serves global buyers, predominantly in XXXX and the United States, and hosts around XXXX sellers. The company 's operational hours are XXXX XXXX  to XXXX XXXX Eastern Time, during which tasks can typically be completed in less than an hour using a mobile phone or computer. 

XXXX collaborates with reputable application developers to enhance online visibility and search rankings, thereby increasing product purchases. Consequently, they seek remote workers from various locations to work on their XXXX platform. I underwent their training, for which they credited my account. After starting to submit tasks, I encountered an order termed a " welfare order '' that required transferring money using ETH to earn a commission. I downloaded XXXX to facilitate this. XXXX is stating there is nothing they can do. Which these transactions was charged from my chime debit card. 

However, upon attempting to withdraw my funds, and a commision of XXXX with commissions and my alleged investment of XXXX I had a total earnings on my platform of XXXX available to withdraw. I was informed that my credit score had dropped because of delays in completing the orders. To rectify this and withdraw my earnings along with my investment, I had to spend thousands of dollars to improve my credit score. Despite their assurances that nothing would impede my withdrawal after fixing my credit score, I faced yet another roadblock : an additional {$8500.00} tax filing fee. 
On top of all my fun, they now threatening messages, threatening my family, and my kids with XXXX pointing to the camera. My children as well as myself safety is at stake as well as all our income taken from us. 

At this stage, with {$18000.00} already invested, and no longer any means in my accounts I realized this was a fraudulent operation. As a single mother, losing {$18000.00} was devastating. Unable to trust the company further, I reported the fraud to the XXXX XXXX XXXX XXXX XXXX and filed a complaint with the FBI. XXXX XXXX has also assigned this fraudulent scam to an fbi agent on this investigation as well. The IC3 has been contacted in regards to this as well. Despite submitting all documentation to Chime, they concluded my claim without offering a refund, stating they found no error. 

In total, {$15000.00} was fraudulently and deceived charged to my Chime debit card and checking account. I have taken all necessary steps, including notifying my bank and law enforcement, yet Chime refuses to assist in recovering my funds. This situation is an unequivocal scam, leaving me at a loss as my bank declines to aid in reclaiming my stolen money. 
Is there any assistance or help I could get? I appreciate it. 
Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-23
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. (TX)

Experian has not updated my XXXX XXXX and XXXX XXXX information with XXXX since XX/XX/year>. By Experian own admission, my creditors have reported to them for XXXX as well as XXXX, and they have posted The Updated info on their website. We are now at the end of XXXX, and they haven't updated my info. I find it odd that Experian had no problem reporting on time when my balance increased. However, now that my balance is down to XXXX, I Must file disputes and fight with them to do the easy task of updating the information given to them. Lenders use XXXX to determine what interest rate and loan amount will be given to a consumer. By Experian and other credit bureaus withholding correct information this is causing financial harm! I request that Experian Update My information with XXXX and add any points I should have received to my credit score for XXXX, XXXX, and XXXX.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 
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 2023-03-18
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc (NV)

On XX/XX/2022, ( Hunter Warfield Inc ) attempted to fraudulently collect a debt of {$3100.00} that was illegally sold by actual creditor ( XXXX XXXX  ). Not only did they attempt to collect, they caused defamation of character by reporting false signatures and information to XXXX, XXXX, and. XXXX. I did not give them permission to discuss or disclose anything about myself or my personal credit. They are violationg Consumer laws 15 U.S.CODE 1692 ( d ) & ( e ), 15 U.S.CODE 1681 ( b ) & ( c ). I will also bring a cause of action for tortious interference against the acting parties involved and seeking penalties under, 15 U.S.C. 1640- Civil liability section ( A-L ) monetary damages to be proved at trial. I demand that they stop this predatorily fraudulent misconduct ; revoke my signature for all unauthorized usage.
Consumer complaint received 2024-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (MA)

On XX/XX/XXXX, I received an email from the Department of Education stating that I am a member of the XXXXXXXX XXXX XXXXXXXX lawsuit. 

On XX/XX/XXXX, I received a letter from MOHELA stating that my consolidated student loans had been discharged on XX/XX/XXXX. Shortly thereafter, this was reflected at StudentAid.gov and in my credit report. At the time of the discharge, my balance was roughly $ XXXX. 

On XX/XX/XXXX, I received a letter from MOHELA stating my loans were delinquent. My balance on the website was now roughly $ XXXX. Shortly thereafter, my loans reappeared on my credit report. My StudentAid.gov balance was about $ XXXX on XX/XX/XXXX, but soon matched MOHELA 's $ XXXX. I have messaged MOHELA multiple times but they have not been forthcoming. ( Due to their track record, I prefer to communicate with MOHELA in writing. ) In early XXXX, I received a paper letter from MOHELA ( dated XX/XX/XXXX ) asking me for contact information for myself. I found this letter quite bizarre, as they clearly have my contact information in their files if they are able to send me a letter. 

On XX/XX/XXXX, I received a deposit of {$8300.00} from the US Treasury. No memo accompanied the deposit. I suspect it is related to my student loan situation, but no information is available at MOHELA or StudentAid.gov. 

I attach : ( 1 ) Email re : XXXX XXXX membership ( received XX/XX/XXXX ) ( 2 ) Letter from MOHELA re : loan discharge ( received XX/XX/XXXX, dated XX/XX/XXXXXXXX  ) ( 3 ) Letter from MOHELA re : loan delinquency ( received XX/XX/XXXX, dated XX/XX/XXXX ) ( 4 ) Letter from MOHELA re : contact information ( received XXXX  XXXX, dated XX/XX/XXXX ) ( 5-6 ) Messages with MOHELA ( XX/XX/XXXX, XX/XX/XXXX ) ( 7-9 ) XXXX files ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (NJ)

This letter serves as a formal complaint against Discover Financial Services for their egregious mishandling of my fraud claim and blatant disregard for consumer protection laws. On XX/XX/year> at XXXX PM, I called Discover to file a fraud claim. They informed me it would take at least XXXX days to investigate. However, when I called again on XX/XX/year> at XXXX AM, Discover claimed that all disputes were closed and denied without provisional credit. This timeline clearly demonstrates that no legitimate investigation could have been performed. 

Discover 's assertion that they completed an investigation in less than XXXX business days is not only implausible but demonstrably false. It is impossible to conduct a thorough investigation, including contacting merchants, in such a short timeframe. By denying provisional credit and closing the case without proper investigation, Discover has violated my rights under Regulation E. 

I have submitted substantial evidence to support my claim, including a police report detailing the theft and fraudulent use of my card, a PDF of transactions with fraudulent charges highlighted in yellow, and official status/alibi proof from my college. I, XXXX XXXX ( Student ID : XXXX ), was physically present at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/year> to XX/XX/year>. All disputed transactions were mainly travel-related and occurred while I was demonstrably on campus. It is categorically impossible for me to have made these charges. Furthermore, I personally attempted to contact each merchant involved, and none provided any assistance, further highlighting the impossibility of Discover 's claim to have completed a thorough investigation in less than XXXX days. 

I demand that Discover immediately reopen and properly investigate all disputed transactions, provide provisional credit as required by law while the investigation is ongoing, furnish a detailed explanation of their investigative process and findings, and rectify any negative reports to credit bureaus resulting from this fraudulent activity. Failure to comply with these demands and properly address this complaint will result in immediate legal action against Discover Financial Services. Your negligence and disregard for consumer protection laws will not be tolerated. 

I expect a prompt and thorough response to this complaint. Any further delays or inadequate responses will be viewed as additional evidence of your company 's failure to uphold its legal and ethical obligations to consumers.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I've filed a dispute with this agent document but this agent only resent the incorrect statement, didn't provide the documents as requested. They suppose to stop collection if I filed a dispute, not suppose to report to my credit report and I demand it to be removed immediately.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CHARLES SCHWAB CORPORATION, THE (CA)

Fishing call, someone knows the bank, my phone number, name and last XXXX of the card number. Who has my information been shared with? This is a new account. It is only months old. I recorded the thing, very annoying. XXXX minutes. File does not fit here. XXXX case ID : XXXX, I will send the recording to the XXXX XXXX team who is " investigating '' this if requested.
Consumer complaint received 2024-08-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: 1st Franklin Financial Corporation (MS)

Dear Consumer Financial Protection Bureau, I am writing to seek your assistance regarding a garnishment of debt in the amount of {$5500.00}, which is scheduled to become effective on XX/XX/XXXX. The creditor, XXXX XXXX XXXX, plans to garnish 25 % of my earnings every pay period to satisfy this debt. 

I have made several attempts to arrange a payment plan directly with XXXX XXXX XXXX ; however, I was informed that my account had been sold to a debt collection agency, XXXX XXXX PA. Despite my efforts, I have been unable to establish a workable payment plan with either the original creditor or the debt collection agency. 

My financial situation has been significantly impacted by a period of unemployment that lasted from XX/XX/XXXX until XX/XX/XXXX. During this time, I was unable to secure stable employment, which led to considerable financial hardship. While I have recently resumed working, my income is still insufficient to manage a garnishment of 25 % of my earnings, especially after such a prolonged period without income. 

I am requesting that the Consumer Financial Protection Bureau intervene on my behalf to either prevent the garnishment or to assist in negotiating a more manageable payment plan that reflects my current financial situation. I am willing to make payments toward this debt, but the current terms of the garnishment will place an undue burden on my ability to meet basic living expenses. 

Thank you for your attention to this matter. I am hopeful that with your help, we can reach a resolution that is fair and manageable for all parties involved.
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/year> JPMCB CARD SERVICES ran my credit without my consent, they noticed a flag on my credit report to call and confirm with me due to fraud alert. When JPMCB CARD SERVICES called me and asked if I applied for their credit card, I told them no and they said they would list it as fraud, and it would be removed. Later in XXXX I saw JPMCB CARD SERVICES never removed the hard inquiry but did another hard inquiry on my credit without my consent on XX/XX/year> and this time did not even call me although the fraud alert was still on my credit report. I called them asking both these be removed which I was told they would but still they are both on my credit.