davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P. (TX)

In XXXX I opened a XXXX XXXX XXXX  bought and paid as owed. Then in XXXXXXXX XXXX XXXXXXXX I got covid and missed a week of week, then XXXX was shutdown for almost a year. Couldn't pay my bills like I was. Contacted XXXX was on a plan then it went to a collection. XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX. Then I started receiving phone calls the man said he was the attorney and oh your going to pay, he was going to make sure of that, I tried tell him what was going on in my life trying to support a family on XXXX XXXX, sad he didn't care that I need to send all my money to him first, we had a argument about this for a little bit explain to him that he would be taking food out of my child 's mouth said he didn't care. I would get these phone calls for a few months then stop, then started getting civil citation for courts, now he's got a Justice of the XXXX XXXX XXXX out of XXXX XXXX. A lawsuit against me for the {$3600.00}. The lawsuit says that it will garnish my wages or sell my property my vehicles whatever to pay the debt and he's had people come out to my house serve me papers when I'm sitting in my car trying to get ready to go to work this threatening show of force and calling me harassing me almost all day long and I work nights I have to turn my phone off during the day so I can sleep scared to death my vehicles will be towed off won't have a ride to work or he's threatened to come up to my work to serve me papers. I've contacted the original owner of the loan Advent to try to settle with them because I do not trust this debt collector I feel like I would never pay off the debt and I would be in debt with him forever they said that they sold the account to The Collector I made about emails to them about the situation at hand and they said that they will call me to talk to me about options I haven't heard from him yet. Scared to let my family outside to play to do things in the front yard thinking that somebody's going to come up and serve them with paperwork or say something to him something not for sure.
Consumer complaint received 2024-06-06
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. (NY)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I am a victim of identity theft. I have denied a new bank account on XXXX because of an account at XXXXXXXX XXXX having been reported to ChexSystems. I never opened an account at XXXX XXXX and this account is fraud. I have called many times to XXXX XXXX but they are not able to help me. This is very frustrating because I am just a college student and have no access to a bank account. I ask that you please look into this so that I can have a bank account. I have put my personal info below so that you can quickly locate my account. When I called XXXXXXXX XXXX  they refused to provide me a bank account number. 

My personal info ; XXXX XXXX XXXX XXXX : XX/XX/1999 SSN # : XXXX
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

When I opened XXXX XXXX  account for my daughter, they tell me that to keep this without additional fees they need to automatically transfer {$75.00} from saving account to checking by every month. That was work for many years until my daughter finish XXXX. When I closed that student account, they continue to make that transaction of {$75.00}. I went to Wells Fargo branch to solve this problem to not make that transaction because is no longer XXXX XXXX  account exist. They did not solve this problem and continued that transaction for many years. Sometimes I did not have enough amount to have {$75.00} to transfer and then I get penalty fee. After several times this occur, they just closed my saving account. So, I do not have saving account because Wells Fargo 's error to fix than transaction.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

The credit union keeps using different names of themselves on equifax and XXXX and XXXX. When you make a payment you never know what listing they will put the payment under and then it shows lates on the other name.

The credit union is called XXXX XXXX but they also use their former name as XXXX XXXX XXXX. They list XXXX XXXX is listed on my XXXX reports but XXXX XXXX XXXX on Equifax and XXXX XXXX. I have two loans with them, The first is a auto loan, and they will not send me a copy of the title or lean holder on the car, and the other loan was a forced loan on me, They were supposed to refinance my home last year but then they refused me and charged me {$500.00} for a home inspection that they never did and forced me to take out a {$1200.00} loan to pay it. So now I have a double payment to them. I am XXXX and have a social security limited income of {$1000.00} a month. Now I do not have enough money to eat every month. They never explained the truth in lending and never provided documents on it. So I have a reporting problem with them, because they use different names on different credit reporting companies and a truth in lending problem with the contracts. They also keep changing information on my credit reports. They never tell me what they are doing or what they are reporting. They have lates listed on all the reports as 30 and 60 days. But they did skip a pay for me when I got out of the XXXX  from XXXX XXXX. Then sent me a new contract to sign by way of internet that was blurry and blotted out so I could not see what they did and said that I had to sign them over the internet or they was going to take me to court and sue me to garnish my social security check and medicare. I feel trapped in this and fear that they will take away my social security check every month and take my car away from me so I can not get to my medical appointments. I never gave them permission to report anything on my credit reports. I need my privacy on this matter to due to my health.
Consumer complaint received 2024-07-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Lennar Financial Services, LLC (FL)

On XX/XX/XXXX I reached out to Lennar Mortgage and Lennar Title regarding a loan my wife is trying to close in her name only as we are in the process of getting a divorce. 

I asked Lennar Title to work with the lender to update the Mortgage so my name is not listed as a Borrower on the mortgage. 

Here 's the inital respose I recieved from Senior Escrow Closer/FL Licensed Title Agent, XXXX XXXX XXXX XXXX Please note, they are not showing you are borrower. They are showing your spouse as borrower and you are showing as joined by. 

Thank You! Have a wonderful day! 

Lennar Title XXXX XXXX Senior Escrow Closer/FL Licensed Title Agent XXXX Main Number : XXXX Direct Line : XXXX Fax : XXXX " This is a misrepresentation of the truth. I showed both of them a loan I had recently completed on a house I purchased in XXXX and the loan officer XXXX XXXX XXXX XXXX lied again when he said : " We saw this document yesterday and it was explained to me that the difference is how different states operate. The documents you are being asked to sign are what every non-borrowing spouse signs here. Ive been here for nearly 8 years and helped hundreds of people in your same situation and they have all gone smoothly. Get the verification you need from your attorney but this information is accurate. '' This is also a lie, because the lender I worked with with my loan used paperwork specifically for the state of Florida. 

This is unethical and unprofessional and is an example of how Lennar employs dishonest employees who will lie to customers in order to close loans before the end of the month. I have all emails and will attach them to this case. Please look into this matter so this does not happen to more unsuspecting customers.
Consumer complaint received 2024-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE (AK)

We hired a moving company on XX/XX/year> to help move our belongings from Texas to Alaska. The move was scheduled for XX/XX/year>. The moving company sent an invoice and asked to pay an initial payment to confirm the booking. I was asked to XXXX the initial payment, which I did on XX/XX/year> for an amount of {$2200.00} I was informed that the movers will call on XX/XX/year> to provide the details of the driver and the pickup time. I received a call from the movers on XX/XX/year> stating that the space allocated wouldn't be able to fit all the items we discussed about earlier and quoted a new amount in order to move all our belongings. I informed that we will move only the items that will be able to fit in the space allocated as I didn't have anymore money available to pay and they were not ready to accept credit card payments. 

There was no communication from their end about the driver or when they will be arriving. I literally had everything packed and my girls and I lived out of the packed totes for XXXX days. My husband, who was already in Alaska working contacted them and got no response. I didn't get any response from the moving company whenever I called. When I finally got a hold of the after hours person, he mentioned the driver had issues with the truck and they are trying to get to us as soon as they could. At this point, they were lying as they were not giving us any details about the driver or their contact number. From then on, every time we call, they do not answer. 

I called my bank and filed a dispute on XX/XX/year>. They took all the information and got back on XX/XX/year> stating - " Thank you for contacting us regarding the XXXX transaction ( s ) initiated from your account. Unfortunately, we were unable to recover the funds as requested. All efforts have been exhausted and we consider the request closed. '' I contacted XXXX and they weren't of any help either. 

It has been more than XXXX  months and we haven't got our money back. The moving company blocked our numbers and we got to know that tis moving company scammed many other customers under different business names. 

We have been loyal customers of this bank for almost 8 years and it's a shame they couldn't do anything to help us with our situation.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (MD)

Date : XX/XX/year> GM Financial XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Validation of Debt and Cease-and-Desist Notification GM Financial, I am writing to formally request validation of the debt referenced in your recent communications and to demand that you cease all further communications and actions in this matter.

1. Request for Debt Validation : Under the Fair Debt Collection Practices Act ( FDCPA ) and in accordance with the precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, please be advised that merely sending statements is not considered sufficient evidence of the debt in question. I request that you provide a detailed validation of this debt, including but not limited to : The original loan agreement or contract. 
A detailed breakdown of the debt amount, including principal, interest, fees, and any other charges. 
Proof of the current owner of the debt, including any transfers or assignments. 
Documentation verifying that you have the legal right to collect this debt. 
Please provide this information within 30 days of the date of this letter. Failure to provide adequate validation will result in the cessation of any collection activity and removal of the debt from my credit reports. 
2. Cease-and-Desist Notification : Effective immediately, you are hereby instructed to cease and desist from any further communication with me regarding this matter. This includes, but is not limited to, phone calls, letters, and any form of communication. Furthermore, a consumer report is also considered a form of communication. Therefore, I request the immediate deletion of any and all references to this alleged debt from my credit reports. 
3. Potential Costs and Legal Action : Please be advised that if you do not comply with this request, I will consider taking legal action to protect my rights. The costs of litigation and potential damages for harassment and abuse may include : Legal Fees : {$300.00} per hour ( estimated XXXX hours ) = {$3000.00} Court Costs : {$500.00} Potential Damages : Varies, but could be substantial depending on the nature of the violation. 
This results in an estimated potential cost of {$3500.00}, not including any additional damages or fees awarded by the court. 
I trust you will handle this matter with the seriousness it deserves. I expect to receive confirmation of your compliance within 15 days of the date of this letter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

Starting from XX/XX/XXXX, I have been charged XXXX XXXX membership fees of {$14.00} every month. I enrolled XXXX XXXX membership in XX/XX/XXXX through American Express XXXX card benefits program. On XX/XX/XXXX, I realized that I have never received any statement credits to pay back my XXXX XXXX credits. 

I contacted AMEX customer support and they said I am not enrolled. I opened the enrollment link they shared, and I enrolled again. After some time, I asked the customer support to check the enrollment status for me and they still could not find any record of enrollment. So I asked if there may be a bug in their system, perhaps at the beginning. I clearly remembered I have enrolled in XXXX. 

It is weird that I have not received any confirmation email in enrollment, and process of manually linking membership from XXXX card has opened up loop holes of bugs. XXXX suggestion is to automatically link platinum card to the XXXX plus membership if someone adds platinum card as the default payment method. 

I feel very disappointed since I really enjoyed the XXXX plus benefits brought by platinum card, and every time I check out using XXXX plus membership, there is a pop-up saying that you are a member because you are a platinum card holder. So that was really misleading.
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (NY)

Per Wells Fargo application XXXX I applied Wells Fargo for a credit card after 15 years working to get an XXXX credit score. 
I was declined based on too many inquiries : ( I had None- XXXX inquiries ) After applying with them and 2 runs on my credit report my score went from XXXX to XXXX in 1 week!!!!! 

The amount of credit available was 2nd reason ( my available credit is 100 % ) 3rd denial reason : too many inquiris or applications for credit in the last 3 months ( we look at how much credit you may be taking on ) ( I have one mortgage, ONe XXXX and a XXXX with {$500.00} and {$200.00} limits. 

I make a XXXX figure income. I have a checking account with an overdraft of {$250.00}!!!! 

School loans are in PSLF as I work for nonprofit but the amount is XXXX $ I have no other credit cards and 14 years ago I had a lot of credit but all paid and never late stated on the credit report which is the 4th reason they stated that : number of bank card accounts ( all closed and paid, never late )!!! Wells Fargo stated that : " We look for a history that show how you've managed credit over time ) This are 4 false reasons and the Person XXXX XXXX who stated my account was reviews and " Yeah we are not going to give you credit for the same reasons Not only did they run my credit but stated 2 inquiries in 1 week on my credit report. Once I called and let them know that was not legal. It was removed but only because XXXX stepped. in. 

XXXX the Escalations manager insisted I call the " XXXX '' number again for customer support which he knows gives are limited and can only refer me back to Him! 

I wrote them and asked for an explanation only to get 2 letters of denial XX/XX/year> and XX/XX/year>. I called and XXXX XXXX who seems to have no supervisor in the Escalations Department in the XXXX XXXX XXXX XXXX seems to think that it is fair practice, At this point I want the inquiry removed as this was the only one on my credit report even though the ADVERTISE their card is only for people with scores of excellent credit. 

As a XXXX XXXX and XXXX I have seen several cardholder given cards with scores in the XXXX 's get over XXXX in credit? From Wells Fargo!!!!!
Consumer complaint received 2024-07-29
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: WELLS FARGO & COMPANY (TX)

On XX/XX/year>, a charge of {$2900.00} appeared on my Wells Fargo credit card. The following day, the vendor voided the charges. However, Wells Fargo did not reimburse the vendor for the voided amount. Instead, they charged me {$2900.00} on my account and have been collecting interest on this unpaid sum. Despite my numerous attempts to contact them through phone calls and emails, the issue remains unresolved.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

My account with XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX 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 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 months that are reported late 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 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
Consumer complaint received 2024-07-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (LA)

I am writing regarding a collection attempt on an alleged debt referenced by account number XXXX in the amount of {$740.00} According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you are attempting to collect. 
On XXXX XXXX XXXX, I sent you a formal request for debt validation via certified mail receipt # XXXX. To date, I have not received sufficient verification of the alleged debt as required by 15 U.S. Code 1692g. Specifically, Transworld have failed to provide : 1. The name and address of the original creditor.

2. A copy of the original signed agreement or contract.

3. An itemized statement of the alleged debt.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (IL)

I filed a dispute with Ally Bank regarding transactions on my account which I did not authorize. The transactions were debited by XXXX companies, XXXX and XXXX and totaled {$41000.00}. I filed a police report with the XXXX XXXX XXXX XXXX Department and an Identity Theft Affidavit. I submitted both documents to Ally Bank. The dispute was denied and I contacted the bank regarding the denial. I asked why my the transactions were continuously allowed and I was told that XXXX text was sent to my cellular device regarding a transaction. The representative stated that this is why the charges were allowed. I informed the bank that I never responded to a text regarding these transactions. I also filed an appeal and it was suggested that I submit a Letter of Intent, which I did and there was no response. I have not received a written response from the bank, only a notice in my account denying the initial dispute. My account is now closed and the notice is no longer there.