davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (FL)

On or about XXXX/XXXX/2022, I was contacted by a former colleague ( XXXX XXXX XXXX ) who had the XXXX XXXX XXXX XXXX on the phone. XXXX wanted me to put a Forebearance on my Mortgage. XXXX XXXX significantly damaged my home a few days before and I declined this action as I still had a job with the XXXX XXXX XXXXXXXX XXXX therefore I could pay my Mortgage. I got so angered at her phone call that I hung up. 

She called back, with Wells Fargo on the line still and I was coerced and harangued by XXXX who insisted that I needed a XXXX. 

As Wells Fargo will not acknowledge that XXXX XXXX, who is Not Family, Not on My Mortgage, Has No Legal Rights to do anything to my account -- My Question is this -- What did she say to Wells Fargo to convince them to speak to her????? 

She is not my XXXX of Attorney or XXXX to XXXX. How did she get them to talk to her??
Consumer complaint received 2024-08-19
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: Prosper Marketplace, Inc. (FL)

My credit limit on this card is {$1100.00}. On XX/XX/XXXX there were several attempts to charge my card with amounts above and below this balance. on XX/XX/XXXX Prosper ( XXXX XXXX XXXX ) allowed a charge of {$3400.00} which I did not authorize. I requested that they obtain details from the company showing the authorizations and provide proof. I never received it. After numerous calls with the company I finally closed the account. I continued to make minimum due payments on a balance that is not mine so that it does not impact my credit. As of XX/XX/XXXX the company processed an autopay on my account that I did not authorize for {$3500.00}. They first tried to tell me that my autopay was set up to take the full balance. When I showed them proof from their system that my autopay is and has always been set to take the minimum due each month on the XXXX, they then told me my minimum due was {$3600.00} on an account balance of {$4500.00}. When I requested the representative to walk me through the math he was not able to do so. He ended up saying that is my minimum due and that's why they charged my account. This company is not conducting valid investigations, they are setting up fraudulent minimum payments and refuse to provide monthly statements. My online account conveniently does not reflect the statement XX/XX/XXXX.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX & XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

This has been a continuous, ongoing issue. On XX/XX/XXXX, and it includes XXXX and Equifax, with Equifax being the main culprit for not removing inquiries after I notified them of them being unauthorized and reminded them of the police reports on file. 

I called Equifax to notify them that XXXX unauthorized inquiries on my credit report, I reminded them that I am a victim of fraud and that they have my police report on file. They told me to snail mail them a letter explaining the unauthorized inquiries, XXXX affidavit listing the unauthorized inquiries with the police report number listed on it, and my driver 's license and social security card. They have prevented me from disputing anything online. 

Traumatized as a victim of fraud ( that took years to clear my name from ) as well as a victim of their Equifax data breach of my date, I told them I was not comfortable sending any document with my full social security number on it and they stated that they understood, but to send what I could. I complied and sent everything they required of me, including a copy of my SSN card with the first XXXX numbers of my social security number blacked out. 

Equifax sent me a letter dated XX/XX/XXXX, demanding me to send a document with my full social security number on it. 

Again, not only can I not do that in good faith, but I sent more than enough information for Equifax to remove all of the listed unauthorized inquiries. I sent everything they asked for listed above, including a detailed XXXX  affidavit and police report that they also have on file. 

Why would a company such as Equifax, who has underwent a databreach several times damaging the consumers demand that we send out entire social security number with the only option of snail mail, while not offering an option for secure uploads? They have prevented me from disputing online.
Consumer complaint received 2024-07-05
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. (OK)

After XXXX XXXX did not validate the supposed account, I sent them and the three credit reporting agencies a cease and desist. Nothing changed. 

I sent another cease and desist to all mentioned above. Nothing changed. 

I filed a report with cfpb. Nothing changed. 

I filed another report with cfpb. Two of the agencies changed the account from a current collections to a closed account with a balance due. The third agency has not changed anything. ( This is another issue since they should all the not only correct but the same. ) This is my THIRD cfpb complaint against the credit reporting agencies, who are all violating the law by not only reporting inaccurate information, but by reporting inaccurate information that has been PROVEN inaccurate multiple times. 

I have contacted a consumer rights attorney and will be moving forward with law suits against XXXX and all three agencies for their multiple violations if this is not correct immediately.
Consumer complaint received 2024-07-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (OH)

I sent Midland Credit a cease and desist letter dated XX/XX/year> for XXXX accounts. That letter was received and signed for by XXXX XXXX on XX/XX/year>. Subsequent to that, I received five separate communications by mail all dated XX/XX/year>. Each letter was a violation of the FDCPA, so five separate violations. The only communication allowed now is to tell me there will be no further contact or to tell me they are going to sue me. Due to the age of the alleged debt, Midland can not sue me or report it to credit reporting agencies. The letters sent were done so under false pretenses and state that I was " inquiring about or requesting documentation about the accuracy of [ Midland Credit ] records. '' This is a lie. I sent a cease and desist letter not a request for information. So not only were the five letters each a violation of the FDCPA based on content, Midland Credit also is making false statements to me.
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Self Financial Inc. (CT)

I signed up for a Self Credit Builder Loan Account on XXXX XXXX.and I have paid off the loan as agreed on XXXX XXXX... but instead of sending me my money into my account they sent me an email to summit a selfie holding my drivers license, and also summit the bank statements of the card I used in making the payments which I did multiple times on there orders..after some days they sent me another email to upload the statements again before they will pay out my money ... and they blocked me access to unload the documents and I reach out to them and they kept telling me my account is under review and they don't know when the review will be over..and I asked them to refund my payments if they don't want to pay me my money and they refused and they're not letting me speak with their customer support agents anymore
Consumer complaint received 2024-09-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (CA)

I am writing to formally dispute a debt that you are reporting under my name. The debt in question is alleged to have been opened in Texas in XXXX. However, I have not resided in Texas since XXXX. The original creditor was unable to provide proof of the debt, which is why the account had previously been removed from my credit report. 

Now, Ability Recovery Service is reporting this debt with inaccurate dates. Additionally, I never received the legally required 30-day notice of the debts insertion into my credit report, nor was I provided with a dunning letter, which would have allowed me the opportunity to dispute the debt. 

Given these inaccuracies and the incorrect reporting, I am requesting that this debt be removed from my credit report in accordance with the law. 

Please provide confirmation of this removal.
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: CONGRESS COLLECTION CORP (MI)

On XXXXXX/XX/year>, I received a phone call from a debt collection company ( Congress Collection ) at XXXX XXXX, which is outside of the legally allowed hours for debt collection calls under the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA specifies that debt collectors can not contact me before XXXX XXXX  or after XXXX XXXX  in my time zone. 

This call is a violation of my consumer rights, and I consider the companys actions to be unfair and harassing. I am requesting that this issue be addressed, and that Congress Collection stop contacting me at inappropriate times. Additionally, due to this harassment, I would like to explore the possibility of either having the debt erased or taking legal action for damages if this behavior continues. 

I also have a screenshot of the time and number of the call, which I am happy to provide as evidence if necessary. 

Thank you for your attention to this matter.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (GA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that you provide me the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account that belongs to me.FRCA section 605b
Consumer complaint received 2023-07-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (NJ)

Since XXXX  I've been trying to resole this account with the company, Bridgecrest is still reporting to the credit bureau as derogatory/delinquent.I have made numerous attempts to resolve this issue, and have been given the back and forth with the company saying they will get back to me .The account is in a bad state and I need this to be rectified as soon a possible so that I can increase my credit score and have this account taken out the system and the account status updated.
Consumer complaint received 2024-07-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (NV)

Contacted Bridgecrest over the weekend and asked many many questions. I have paid over {$7000.00} on this auto loan since I got in back in XXXX of 2022. The APR is around 22 % or so. Every month when I make a payment my principal balance NEVER decreases and I assumed it was due to some tech issue on their website. 

I asked for a full accounting of all the assessed interest charges and haven't received it yet, they merely sent me a payment history. They are refusing at this point to show how each day since contract inception has accumulated interest and how payments are applied to the balance. What they sent me has not shown that and at this point I feel that Bridgecrest is intentionally hiding it. 

I ran this same loan against an online calculator and there's no world where every dollar of every payment for XXXX years is pure interest, something is fishy with all of this and they refuse to provide why the principal is not going down. The loan is simple interest therefore there should be no front-load of interest.
Consumer complaint received 2018-08-04
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. (MS)

In a recent dispute, the results came back verified. What was your method of verification? How did you verify my public record? I contacted the court house and they said they do not report any information to the credit bureau? 
All information on my credit report must 100 % accurate or it must be removed.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Green & Sons Agency, Inc. (CA)

XX/XX/year> Consumer Financial Protection Bureau XXXX : Formal Complaint Against XXXX and Outsource Receivables MG Regarding Unauthorized Use of Personal Information To Whom It May Concern, I am writing to formally file a complaint regarding a violation of my privacy rights by Outsource Receivables MG, which has appeared on my credit report without my authorization. On XX/XX/scrub>XXXX XXXX XXXX I filed a dispute with XXXX about this company, as I have never conducted any business with them, nor have I authorized them to access or use my personal information. 

The presence of Outsource Receivables MG on my credit report is a clear violation of my right to privacy. This company has obtained and used my personal information without my permission, which I consider to be unauthorized and fraudulent. Despite my dispute, XXXX has failed to take appropriate action to protect my personal information, as required under consumer protection and privacy laws. They have not removed the unauthorized entry from my credit report nor ensured that my data is safeguarded from misuse. 

I am gravely concerned about XXXX lack of due diligence in preventing unauthorized parties from accessing my personal data, and I believe this negligence has resulted in a violation of my privacy rights. The unauthorized use of my personal information constitutes theft, and I request immediate action to resolve this issue. 


Sincerely,
Consumer complaint received 2024-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/XXXX I went to Wells Fargo to conduct a wire transfer of XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The operate as a money transmitter in the XXXX by the name XXXX. The wire was sent to the account at XXXX  XXXX XXXX that the app specified. On XX/XX/XXXX I contacted XXXX to see if they have received the funds they said they had not and on XX/XX/XXXX Wells Fargo advised they needed extra information from XXXX  XXXX XXXX which they said was my Full name and my date of birth that information was supposedly passed along to the bank on the same day however I initiated a wire recall through Wells Fargo and reported fraudulent activity because of information about XXXX that I saw when I research the information on the internet. Ive been calling my and going to Wells Fargo for updates and information and as of today XX/XX/XXXX they said they have made 3 recalls to XXXX  XXXX XXXX and have yet to receive any response. Please help me resolve this matter.
Consumer complaint received 2024-08-30
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M.A.R.S., Inc. (IL)

M.A.R.S Inc. is attempting to collect a debt that they purchased from XXXX XXXX XXXX, however the amount that they are attempting to collect is incorrect. The original amount owed was reported as {$3200.00} with an accumulation of charges including, XXXX XXXX XXXX XXXX, Filing Fee, Late Fee, Water Bill ( XXXX ), Removal of Furniture, lock replacement, Removal of personal items from bath, kitchen, clothes, blinds replacement, and unauthorized pet. After review of the inaccurate charges, I asked the apartment complex to remove charges such as, Furniture Removal, Removal of personal items from bath, kitchen, clothes, overall clean of kitchen and bath and lock replacement. all totaling to the amount of {$850.00}. They agreed to remove the charges since all of these things were done and keys were turned in but only removed the furniture removal fee of {$500.00}.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (TX)

I asked the company that had my information into the collection agency to provide me with signed documents that has my social security number, date of birth and original signature on documents that shows my signature and correct SSN and DOB all documents and none of what I asked for has yet to be provided, they send me everything but what I've asked for. No documents have been confirmed with my signature, correct DOB and SSN
Consumer complaint received 2024-08-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Credit Corporation (WA)

On XX/XX/year> I sent a letter asking for debt verification/validation that Merchant XXXX  was trying to collect. They stated they were collecting a debt from XXXX XXXX. 

I wrote back on XX/XX/year> stating I disputed the debt and wanted an itemized bill of all charges from the original creditor, Original copy of my invoice from XXXX XXXX with my wet signature and receipt. I also requested the document with my signature that stated they could have my XXXX XXXX which is a violation of HIPAA. 

I wanted the itemized bill because XXXX XXXX had never sent me one before selling my debt to merchant XXXX  Merchant XXXX called me repeatedly, multiple times a day even asking them to stop calling me. They threatened to sue me as well.
Consumer complaint received 2024-07-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (AZ)

Gave a {$100.00} prepaid debit card to my daughter for a birthday present. She went to use it at the mall and it was declined as it had no PIN number associated with it. US Bank claims it was fraud and shut down the card. Have mailed in copies of Driver 's license and card info, only to be told the FAX was not legible. Then tried faxing in twice, only to be told wrong format or not legible on their side. US Bank will not provide alternate way to upload picture or pdf of license and locked card of better quality. Always get different information from their reps, go back to website, ( but card is locked- so directs you to call in again. ) Then direct you to fax in again. ( But fax quality on their end is horrible, so at a stalemate. ) I have put in considerable effort to get the {$100.00} on the card back to us, but to no avail. Sounds much like the issues they had back in XXXX with prepaid debit cards. 
Would like to be part of a class action lawsuit if they can not figure this out.
Consumer complaint received 2024-08-26
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: BARCLAYS BANK DELAWARE (FL)

I have a dispute with a vendor " XXXX XXXX XXXX ''. This company was hired to create a brick paver circular driveway. The company did not finish the work and also failed to pay for the brick pavers ( XXXX XXXX XXXX XXXX  ) as per the contract. I paid an initial downpayment of {$8600.00} to XXXX XXXX XXXX via check and then three payments via credit card in the amounts of {$8600.00}, {$4300.00}, and {$3800.00}. The total amount of invoice was approximately {$21000.00}. The company " XXXX XXXX XXXX '' did not provide a " notice to homeowner '' that is required for vendors to inform homeowners that they are responsible for payment to supplier if vendor does not pay. XXXX XXXX XXXX  did not pay for the pavers and I received an email from company " XXXX XXXX XXXX XXXX' notifying me that XXXX XXXX XXXX did not pay for the pavers and therefore I would have a lien placed against my home. I then paid the supplier approximately {$9300.00}, also via the same credit card. I paid via the same credit card so that they would see that XXXX XXXX XXXX did not pay the vendor as per the contract. In addition, the current job is not complete and I have an estimate from another paver company for approximately {$8000.00} to fix and finish the driveway. I have exhausted my efforts with Barclay Bank to help me reverse these charges but Barclay Credit Card after two months have been unhelpful.

Please help me with this issue.