davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I filed a complaint with Wells Fargo regarding an unauthorized charge that had been recurring on my debit card since 2021. This charge, amounting to {$4.00} every month, had accumulated to over {$100.00}. After contacting Wells Fargo 's claim department, they acknowledged the total amount and assured me that an investigation would commence, with a promise to refund the money if the charges were confirmed as unauthorized. However, upon the conclusion of their investigation on XX/XX/XXXX, I discovered that only {$1.00} had been credited back to my account. This was contrary to my initial understanding based on our conversations. Further inquiries revealed that Wells Fargo 's policy only permitted refunds for unauthorized charges made within 60 days of the first occurrence by the same vendor. This policy was not communicated to me during our initial discussion and seems inconsistent with their assurances. As a consumer, I find this outcome unacceptable and inconsistent with the expectations set by Wells Fargo during our initial interactions.
Consumer complaint received 2024-07-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (KY)

Theyve called from various numbers once a day for the last about XXXX weeks, largely while Im at work as a XXXX XXXX 

Chase completely screwed me when I was waiting to start work XXXX with the IRS barely making bills and decided to without telling me send the amount of my credit card ( {$3200.00} ) PLUS any interest ( to a total of about $ XXXX ) effectively tanking my credit and setting me back on progress I was finally making having gotten to start work. Now I dont qualify for any housing grants, rentals, etc. All because of them. 

Now the debt collectors are calling me relentlessly over a bill I not only cant afford but frankly WILL NOT PAY knowing they already wrecked my credit for the next AT LEAST XXXX years. Chase threatened to sue and in turn so did XXXX XXXX among their other disgusting behavior and harassment. 

XXXX a XXXX individual who JUST got to finally catch up on their bills and find a career and Chase Bank along with XXXX XXXX are doing everything they can to prohibit me from any normal/decent quality of life.
Consumer complaint received 2024-01-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: URS Holding, LLC (KY)

For over XXXX XXXX, I have received calls trying to reach a debtor. I have owned my number for over XXXX XXXX & I do not know the named debtor. But somehow, my number was associated with the debtor through deception, or similar address in the past ( maybe I rented a place where XXXX once lived? ). 

I have sent reply texts and voice mails to the calling number pleading the removal of my number from their data base of the debtor. 

I sent a Decease and Desist letter to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX of XXXX  and calls slowly dwindled away for a few XXXX, but have now resumed.
Consumer complaint received 2024-01-25
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: AMERICAN EXPRESS COMPANY (IL)

I was gifted an American Express gift card as a gift but the card doesnt work at any stores. Ive tried at approximately XXXX different stores only to receive the same reader error at every store. You sit on hold forever with the number for help with American Express
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

I applied for a credit card application because I received a pre approval online wanting to fly united so I went on and applied for a united credit card from chase then I received a letter in the mail we need more information so contacted chase provided that information XX/XX/XXXX so application could be submitted but never got submitted then called again to follow up they said it was never submitted have to resubmit so its been over a month I am waiting for a status update on application. I receive a decline letter stating A prior credit card or deposit account was closed by Chase I said I need more of expiration as I had no collection or anythin negative on my credit and I have a checkin account with them with good funds in there they stated that I did wrong with a partner company I said please advise they said thats private information if there is somethin negative about me I should know that from chase.
Consumer complaint received 2024-06-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (TX)

I applied for a milestonecard and starting using it around XX/XX/XXXX. I setup auto online, on the milestonecardXXXX platform, and clicked the button. 

After we were hit the federal declared disaster in XX/XX/XXXX, I audited my credit cards and found that mielstonecard was charging late fees and interest on this card since XX/XX/XXXX, for an entire year. Around XXXXXXXX XXXX everyone month for a year. 

I called the company and explained their error. The manager only provided two options that did not correct the error and made me pay for the late fees or charge off the account. Then they hung up on me after being on the phone for an hour. 

On top of this, I explained I was never in possession of the card because they failed to send one to my address. 

I believe this card is issued by XXXX XXXX XXXX XXXX, pursuant to license by XXXX XXXX.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rent Recovery Solutions (GA)

I am writing in response to the recent communication I received from your company regarding the collection of a debt. I would like to bring to your attention that I have not entered into any contractual agreement with your company, nor have I authorized the transfer of my debt from the original creditor. 

It has come to my attention that you have purchased the debt from XXXX XXXX XXXX XXXX. While I acknowledge that there may be an outstanding debt, I must emphasize that your company does not have any legal right to collect this debt from me. 

I kindly request that you provide me with proper documentation proving your legal authority to collect this debt. This includes a signed agreement or contract between your company and myself, clearly indicating my consent to transfer the debt to your organization. If you fail to provide such documentation, I must insist that you cease all collection activities and remove any negative remarks or listings related to this debt from my credit report. 

Please consider this letter as my formal dispute of the debt and a request for verification of its validity. I also request that you provide me with a written response within 30 days of receiving this letter, confirming the actions you have taken to resolve this matter. Failure to respond within the given timeframe will be interpreted as an acknowledgment of the debt 's invalidity and will result in further actions to protect my rights. 

I would like to remind you that it is your legal obligation to adhere to the Fair Debt Collection Practices Act ( FDCPA ) and all other applicable laws and regulations governing debt collection. Any violation of these laws will not be taken lightly, and I reserve the right to pursue legal action if necessary. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Should you have any questions or require any additional information, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-13
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. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-01-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: M&T BANK CORPORATION (PA)

M & T Bank did three international wire transfer on XX/XX/year> without my knowledge or permission on a joint estate account that required two signatures on all transactions. I requested the bank to send me copies of cashed checks, signatures for the international wire transfers and the name of the person who approved of the international wire transfers that totaled {$120000.00} PLUS {$220.00} in wire fees. I was denied that information.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: M&T BANK CORPORATION (RI)

Dear FTC and CFPB, XXXX XXXX XXXX XXXX XXXX XXXX Illegally harassed and hazed XXXX tenant applicants on Housing Urban Development Statistics. 

They have been issued a official complaint number by the Health and Human Services Administration which is illegal for appeal to the Department of Defense. 

They attitudes and disfunctional viewing processes stole information from my bank with M & T, they used lures like saying they tried talking to M & T and they never answered when we never signed an agreement into detail that they are allowed to speak or act on behalf of my finances as they are not entitled to that position ( XX/XX/XXXX Continued ). 

I have a background in Homeland Security, Criminal Courts, Family Court and Superior Court Civil and have never witnessed such a destructive set of individuals they call landlords. 

It is my recommendation Veterans Affairs, Consumer Financial Protection Bureau and IRS XXXX XXXX along with the XXXX before a full census audit against the agency for stealing information through illegal credit reporting screening, which XXXX injured me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

passed Kristen 's Law, which specifies controlled substance delivery resulting in death, carrying a penalty of up to life in prison This chapter focuses on the Hobbs Act ( 18 U.S.C. 1951 ) which prohibits actual or attempted robbery or extortion affecting interstate or foreign commerce. 

Anti-Racketeering Act of XX/XX/1934, which Congress initially passed to combat the use of interstate commerce M & T should have never released information to this company without my permission nor should XXXX be Instigating Housing Applicants from Obtaining Housing in a Reasonable 30-60 Window Period. They are Herby flagged with XXXX XXXX XXXX XXXX under Statue 40-11-5 and prohibited from Contacting XXXX XXXX again for Any Reason ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ).
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

MIDLAND IS A COLLECTION COMPANY, WHO IS REPORTING ON MY CREDIT REPORT AND IT APPEARS THAT THEY ARE REPORTING ONE ACCOUNTS TO MAKE IT TWO ACCOUNTS BY GIVING THE ACCOUNTS TWO DIFFERENT ACCOUNT NUMBERS.

XXXX XXXX IS A COLLECTION COMPANY. WHO IS REPORTING ON MY CREDIT REPORT AND THEY ARE DOING THE SAME AS MIDLAND, BY REPORTING ONE ACCOUNT TO MAKE IT TWO ACCOUNTS BY GIVING THE ACCOUNTS TWO DIFFERENT ACCOUNT NUMBERS.

THESE ACCOUNTS DO NOT BELONG TO ME.


MIDLAND MANAGEMENT CREDIT, INC & MIDLAND FUNDING
PO BOX 301030
LOS ANGELES, CA 90030 XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, IL XXXX
Consumer complaint received 2024-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXXXXXX 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 XXXXXXXX These are a vast number of unauthorized inquiries.
Consumer complaint received 2024-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i have sent in numerous certified mail asking to remove these collections and inquires off my account that i dont recognize and also is inaccurate. they fail to provide any proof that the companies has consent to furnish my private information. nor did they provide me with any details of the reinvestigation of this account.
Consumer complaint received 2024-01-24
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

Subject : Urgent Demand for Resolution : Unlawful Interest Charges on Closed Ulta Account I am writing to formally file a complaint against Ulta Beauty for egregious violations of consumer protection laws stemming from predatory credit card practices. My closed account has been erroneously charged interest and subjected to unacceptable customer service, necessitating your immediate intervention. 

On XX/XX/year>, I explicitly requested and confirmed the closure of my Ulta account after ensuring full payment of the balance. This closure request was reiterated to avoid any future charges. Shockingly, months later, I received a statement reflecting a {$180.00} balance. While contacting customer service, I encountered a complete lack of accountability and transparency. 

Initially, representative XXXX acknowledged the account closure but offered no explanation for the residual {$5.00} interest charge or how the closed account, paid in full, continued to accrue interest for a total of {$180.00}. Moreover, the supervisor demonstrably failed to uphold basic customer service standards. Instead of addressing my concerns or investigating the error, he resorted to victim blaming, suggesting I failed to monitor my statements, and disregarding the pivotal fact of the account closure and very sarcastic hang up the phone after asking him for his first name. Very surprised to see this behavior, from a supervisor employed by a public company as it is Ulta Beauty Company with numerous stakeholders and investors that would expect that every employee is an ambassador to the brand. 

These actions constitute clear violations of consumer protection laws prohibiting unfair and deceptive practices. Charging interest on a closed account and shifting responsibility to the customer are illegal and unacceptable. 

Therefore, I ask you to undertake an immediate investigation and hold Ulta accountable for its predatory and deceitful practices. I just happened to check online for complaints on UlTA Store Credit Cards and there are numerous complaints, even their own empoyees feel bad for pushing this credit cards for the same issue I am complaining. Something must be done to protect customers from this greedy company who pushes its unethical business practices.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION SPECIFICALLY MY PAYMENT HISTORY OF MY XXXX XXXX ACCOUNT BEING REPORTED. THIS FALSE INFORMATION IS SEVERELY IMPACTING MY CREDIT AND I HAVE NEVER BEEN LATE. 

I CONTACTED BOTH XXXX  AND THE CREDIT REPORTING AGENCIES REQUESTING VERIFICATION OF LATE PAYMENTS, BECAUSE MY RECORDS INDICATE I HAVE NEVER BEEN LATE. I REQUESTED, VALID DOCUMENTED VERIFICATION, THE NAME OF THE PERSON WHO VERIFIED, AND VERIFICATION PROCEDURES. I HAVE NOT BEEN PROVIDED THIS INFORMATION WITHIN 30 DAYS. 

ACCORDING TO FCRA, 15 USC 1681A ( I ) UNVERIFIED INFORMATION MUST BE DELETED FROM CONSUMER PROFILE, 15 USC 1681 A-2-I, EXPERIENCES AND TRANSCATIONS OF CONSUMERS ARE EXCLUDED FROM THE CONSUMER 'S PROFILE AND 15 USC 1666B, BILL COMPUTATION ERRORS THAT INCUR LATE PAYMENTS MUST BE CORRECTED AND DELETED BY THE CREDITOR
Consumer complaint received 2024-02-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe (CT)

The IRS provided Conserve a debt. The debt was paid directly to IRS. Conserve still requested the funds in which unknowingly paid to them. They were not willing to resolve this issue and proved a refund of amount paid.
Consumer complaint received 2024-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (TX)

I received a text message on XX/XX/24 from XXXX from Spring Oaks Capital , LLC. wanting to set up a payment plan for {$100.00} a month for nine months. This payment plan is for XXXX XXXX I would assume is a defaulted account. 

I do not have or applied for an XXXX XXXX, so I do not know why this debt collector has my cell number and is trying to collect this debt from me. This company has started calling my cell today, XX/XX/24 at XXXX XXXX without leaving a message.
Consumer complaint received 2024-03-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (CA)

I paid my bill to XXXX  balance as always, inside of XXXX XXXX in XXXX XXXX, NV. I also turned in the equipment at the same time due to me moving. This was is XXXX due to needing to care for my XXXX grandfather in a different city. Fast forward to XXXX I was in process of buying a home, and when my credit gotten ran it showed that theres a collection for {$750.00} from XXXX XXXX XXXX. It also said it was placed XXXX XXXX. I then called to speak with them to see why, and the person that answered said they dont see an account in my name. Yet, theres a collection thats hurting my credit, in my name from XXXX. I then asked to speak to the manager or someone above him, and that person said the same thing. I disputed it and then it was sold to radius global solutions XXXX XXXX. Ive been trying to take all of the right matters to get this resolved but Im hitting dead-ends. My credit has been affected tremendously by all XXXX  credit bureaus XXXX, XXXX XXXX, and XXXX. The process on buying my familys home has become longer. I would greatly appreciate it if it could be removed completely and blocked from any other credit buyer immediately. If youd like to call or email me you may do so. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter Business Service, Inc. (NH)

XX/XX/24 a supposed debt was recorded against my credit file, I contacted Carter Business service and was responded to by a representative named XXXX. 

I asked for confirmation of the debt and that I would be disputing the debt as it is not mine, he has not responded to claims and I have received no form of communication from this company about a debt I supposedly owe
Consumer complaint received 2024-02-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC (WA)

I received a debt collection notice from American Coradius International, LLC notifying me that I owe {$100.00} from XXXX. I opened my XXXX account and it says I'm current and no past due amount is owed. So I contacted the debt collection agency above and they when they confirmed my DOB, address, and email address, they said the charge from XXXX had a different email address ( XXXX .... ). This email did not match my email address, so they suspect it is fraud and told me to contact my local police department to fill out a police report and contact XXXX.
Consumer complaint received 2024-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CO)

I applied through XXXX XXXX XXXX  to receive an Income Driven Repayment plan ( XXXX ) and was approved under the SAVE plan for a fixed monthly payment. 

My loan servicer, EdFinancial, has repeatedly failed to honor the payment amount set and approved by the IDR under the SAVE plan. Despite my monthly compliance making payments in the exact amount set by the IDR plan, EdFinancial repeatedly flags my account as delinquent and sends messages and phone calls to me alleging delinquency. 

The delinquency notices step from errors in their servicing system that misallocate the loan payments, despite my selection of auto-allocation to ensure that my monthly payment, set by my IDR, is properly being allocated to each separate loan posted on my account. 

I have spent hours on the phone with various representatives from EdFinancial, who repeatedly are ignorant of the errors EdFinancial is having processing my payments. I have to take hours out of my day to explain the error, listen to their proposed solutions, and agree to what they say only to have the same call one month later when I make my next payment. This misallocation of my approved IDR payments violates EdFinancial 's contractual obligations.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (FL)

I have reported to American Express identified theft. They told me to be patient while they investigated. They have been investigating for over 60 days and are also reporting on my credit Im not paying by bill.

They told me not to pay the bill because it is fraudulent. Why are they reporting to my credit report that Im not paying my bill?