davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

Ive been trying to get Wells Fargo to send me money that has been credited to my closed credit card account for almost 5 months now with no success. I continue to get different stories on the status of my money and feel like Im getting the run around. Heres a chronology of this issue and my attempts to get Wells Fargo to send me my money : XX/XX/XXXX I closed a Wells Fargo Credit Card account number XXXX XXXX XXXX XXXX. 
XX/XX/XXXX I got a credit for {$84.00} for some items I returned. 
XX/XX/XXXX I called Wells Fargo to have a check sent for the credit. 

I never received the check. 

XX/XX/XXXX I received a letter from Wells Fargo asking me to deposit a check dated XX/XX/XXXX that they claim was sent. 
XX/XX/XXXX I called asking for a new check to be sent out and was told it should take 7-10 business days. 

I never received the check. 

XX/XX/XXXX I called and was told Wells Fargo would have to look into this. That they would have to put a stop payment on the check and would be sending me an affidavit within 7 to 10 business days. 

No affidavit was sent. 

XX/XX/XXXX Talked to XXXX who transferred me to XXXX who said it actually takes 7-14 business days. 

No affidavit was sent. 

XX/XX/XXXX Talked to XXXX XXXX XXXX XXXX XXXX ) who told me there was not way for me to talk to a XXXX. 

XX/XX/XXXX I went into a Wells Fargo XXXX in XXXX XXXX who had me work with XXXX XXXX. XXXX said the second check actually was never sent and the first check had a stop payment put on it. She issued a second check and said I should receive it within 7-14 Business days. 

I havent received the check. 


I'm attaching XXXX document. First is a copy of my credit card statement showing the credit of {$84.00}. The second is a copy of my credit card statement showing {$84.00} was transferred leaving a {$0.00} balance ( not sure how {$84.00} was transferred since I never received nor deposited a check ). The third is a copy of the letter from Wells Fargo asking me to deposit the check they supposedly sent me.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (IL)

I applied for the IKEA projekt card because a promotion stated that initial purchases of {$2500.00} or more would receive 24 months with 0 % interest. I was moving into a new apartment and didn't have any furniture of my own, so I thought this would be a great option. I did a lot of research, and everything looked pretty good. I was approved for {$3400.00} ; my initial purchase was {$3200.00} ( XX/XX/XXXX ). Upon receiving my first statement, I saw that the incorrect promotion was applied to my account. 
Instead of receiving 24 months with 0 % interest, I was only given 12 months with 0 % interest. IKEA projekt card offers 12 months with 0 % interest if your initial purchase was over {$1500.00} and under {$2500.00}. I called the customer service associated with the card ( XX/XX/XXXX ), and I was told they would open an investigation. I called approximately once a month to check in on the status of the investigation, and I was told each time that it was still under review. 
After not hearing back from them about my investigation, and due to concerns about a possible language barrier with the customer service representatives, I decided to message them through my account to ask about the issue. They continue to state ( as of XX/XX/XXXX ) that the XXXX promotion was applied to my account, and they have not responded to the fact that my initial purchase qualified me for the XXXX promotion. They have not explained any rationale or reason why the XXXX promotion was applied to my account instead of the XXXX promotion. 
I have reviewed the paperwork that came with my card, as well as the legal documents on the website, and they all confirm that initial purchases over {$2500.00} receive the XXXX plan. Furthermore, I have not broken any other aspects of the contract ( i.e., late payments, less than minimum payments, etc ). I have paid all of my bills on time, and I pay well above the minimum payment each month. I have been trying to resolve this error with IKEA 's credit card company since XXXX of XXXX, it is now XXXX of XXXX, and they still have not corrected the issue. I don't know what else to do.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.
Consumer complaint received 2023-03-14
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. (PA)

I was never 30days late ( XXXX  ) can not prove I was ever 30 days late ( XXXX  ) is in violation of 15 U.S.C.1681s-2 ( A ) ( 1 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
The credit report ( attached ) shows that the information being reported by ( XXXX  ) does not match between all three credit reporting agencies, which means somewhere there must be an inaccuracy How can ( XXXX  ) be reporting accurately to the credit reporting agencies, if each credit reporting agency has different information? 
the account number for the ( XXXX  ) account does not match between all three credit reporting agencies the payment status for the ( XXXX  ) account does not match between all three credit reporting agencies the date of last active for the ( XXXX  ) account does not match between all three credit reporting agencies the payment history for the ( XXXX  ) account does not match between all three credit reporting agencies ( 24 months ) after previous dispute, ( XXXX  ) illegally shuffled dates around
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American First Finance, Inc. (IN)

This company has broken several consumer protection laws and has violated my consumer protection rights for over a year now. 

I opened my mail and noticed that I was sent a 1099 for debt which you claim I owe. I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. Please delete this charge-off from my credit report. If you choose to do nothing, I will file complaints and seek legal advice on this matter.
Consumer complaint received 2023-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (NY)

I received a call in XXXX of XXXX, from XXXX XXXX XXXX, regarding this balance. I confirmed with my health insurance carrier [ XXXX, ] at that time that the account was an error, and I had no financial liability. A month or so ago I received a MVN from XXXX. XXXX ) original service provider [ XXXX XXXX XXXX ], 2 ) CarrieXXXX [ XXXX  ], XXXX ) current creditor [ XXXX XXXX XXXX XXXX ], XXXX ) Current collection agency [ Phoenix Financial Svcs, and 5 ) Previous creditor, as listed on the validation letter [ XXXX XXXXXXXX XXXX  ] The 1st is no longer involved and can not help. The second says Im not liable and they can step in to help. The third says Phoenix will handle the dispute. The fourth, Phoenix, says their client handles the dispute ( poor training? ) And the fifth pointed back to all the above mentioned businesses. Phoenix rep said he didnt know anything about credit because he was new. He said he was pretty sure thee account would stay in a dispute for awhile and nothing would happen. I just found this has been repeated to credit, while in a dispute? I notified them of the dispute online, verbally, and in writing. On XX/XX/XXXX they confirmed they received the related EOB and would respond when their client got back to them. To date I have no idea what happened following that confirmation apart from being told this wont be reported. I was hesitant to seek counsel but now feel that or AG is my only option to correct this issue. The trade line alone is an FDCPA violation, not to mention false and misleading information, and failing to respond adequately and timely to a dispute. The erroneous account balance is not owed, due, or a valid debt in any way. The proof has been submitted. Why was it reported to credit while actively disputed and not validated? How will all of this be resolved? Who will take steps to confirm/deny/respond and what steps are those?
Consumer complaint received 2023-03-14
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (FL)

Hello, I am calling in regards to the debt that you are attempting to collect from me. I believe that there may be a case of mistaken identity, as the debt does not belong to me. 

I have been receiving calls from you XXXX, and I am aware that you have been calling my family, friends, and workplace as well. This is causing me a great deal of stress and anxiety, and it is affecting my personal and professional life. I understand that you may be trying to collect a debt, but this constant harassment is unacceptable. 

I would like to request that you provide me with information about the debt, including the original creditor and the amount owed. I also request that you send me a validation notice that verifies the debt is mine, as I dispute its validity. I need this information to resolve the matter as soon as possible. 

And remove it of my credit Furthermore, I want to make it clear that you are not allowed to call me or my family, friends, or workplace anymore. I know my rights under the Fair Debt Collection Practices Act ( FDCPA ), and I know that it is illegal for you to harass or abuse me in any way. If you continue to call me or anyone else, I will file a complaint with the Consumer Financial Protection Bureau and take legal action if necessary. 

Thank you for your attention to this matter.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

I have repeatedly tried resolving this issue with all three credit companies. They have refused all of my requests and how not blocked my ability to submit complaints via online. On their website, it states that the issue has been resolved. However, when I try to submit another complaint it states that there is a dispute in progress.

This is my recent response that I am unable to submit to all 3 credit bureas regarding inaccurate information on my account. I will be submitting this to the Department of Treasury as well as any other Bureau whom this information pertains to.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

MY CREDIT WAS PULLED WITHOUT MY PERMISSION AND ACCTS ARE LISTED THAT I HAVE NO RECOLLECTION OF. 

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Consumer complaint received 2023-03-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I sent documents to Experian requesting that 2 ( two ) accounts be removed from my personal credit profile. They received the documents on XXXX, verified by certified mail with a signature. Not only has 30 days passed but 45 days have also passed with no investigation. Experian is in violation of FCRA 611 [ 15 USC 1681i ].
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

MIDLAND CREDIT MANAGEMENT INC the original Debt Collector I filed two complaints for violation of the Fair Debt Collection Practices Act about refered me to another debt collector by the name of XXXX, XXXX, XXXX XXXX XXXX, XXXX. 

I received a letter from XXXX, XXXX, XXXX XXXX XXXX, XXXX on XX/XX/year> informing me that MIDLAND CREDIT MANAGEMENT INC refered me to them in violatio of the Fair Debt Collection Practices Act. 

When I tried to verify the credentials of XXXX, XXXX, XXXX XXXX XXXX, XXXX with the Florida Office of Finacial Regulation, I found out that they are NOT registered with the the State of Florida as a debt collection agency as the claim on their website and the letter they sent me ( see attachments ). 

On XX/XX/year> I sent them a letter by fax, by email and by XXXX XXXX ( see attachment ) to inform me that MIDLAND CREDIT MANAGEMENT INC is in violation of the Fair Debt Collection Practices Act and asked them to stop their collection activities until I resolve the complaints I have about MIDLAND CREDIT MANAGEMENT INC. On XX/XX/year> I received another communication from them in another violation of the Fair Debt Collection Practices Act. 

I am asking for your help to stop XXXX, XXXX, XXXX XXXX XXXX, XXXX from contating me until I have the issue with MIDLAND CREDIT MANAGEMENT INC resolved. And to report that XXXX, XXXX, XXXX XXXX XXXX, XXXX is NOT registered as a debt collector in Florida. 

Your help in this matter is greatly appreciated. 


Warmest regards, XXXX XXXX
Consumer complaint received 2024-05-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

To whom it may concern, Back in XXXX I received a letter from MIDLAND CREDIT MANAGEMENT INC claiming that I owe monies to some company they just bought the debt from them. I did not recognize the debt and mailed them a debt validation letter on XX/XX/2023 ( exhibit C ). Even they did receive my request ( XXXX receipt exhibit D ), they failed to respond to my letter in violation of the Fair Debt Collection Practices Act. 

Not only they failed to respond to my letter, they continued the collection activitities ( see letter I received from them threatening me with legal action exhibit B ). When I received the threatening letter from them, on XX/XX/2023 I did write them again a debt validation letter ( second letter received on XX/XX/2023 - XXXX receipt exhibit D ). For the second time they failed again to to respond to my letter in violation of the Fair Debt Collection Practices Act. 

Not only they failed to respond to my letter for the second time, they continued again the collection activities by referring me to a collection attorney in XXXX XXXX, FL ( see exhibit A ). 

I am hereby reporting MIDLAND CREDIT MANAGEMENT INC for violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Today I received updates about the disputes results regarding the account XXXX with Department of Education/ XXXX XXXX I have multiple paid accounts with the lender XXXX 's investigation concluded the account is schduled to remains on all credit profiles. 

Since the information from the accounts will remain Department of Ed/ XXXX needs to accurately report my detailed information. 

Department of Education isn't currently reporting my payment history, my credit length on my credited account, or account status. 

Today, a lender denied me based upon credit history length being inconsistantly reported being improperly reported, Please update my information
Consumer complaint received 2024-07-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (IL)

I opened an online savings account with BMOAlto on XXXX XXXX. I funded the accounts and started to link my other bank accounts. On XX/XX/year> I received an email from the fraud prevention department that they placed my account on hold. I contacted them on XX/XX/year> and they requested a copy of my driver 's license and statements for my linked accounts. I provided the info on XX/XX/year>. I have reached out to them several times to try to resolve and I was promissed on XX/XX/year> by end of day I would have this resolved. BMOAlto takes no urgency in resolving disputes and no common sense on what their fraud department is reviewing.
Consumer complaint received 2024-07-10
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 (NY)

On XX/XX/year> I purchased a {$250.00} Amex gift card at XXXX XXXX on XXXX XXXX and XXXX XXXX in XXXXXXXX XXXX XXXX XXXX. Despite having done so with other amounts in the past, I am no longer able to reload my XXXX balance with my remaining {$6.00} Amex balance. After multiple attempts, I am still unsuccessful and now {$0.00} of my {$6.00} is stuck in holds for several days. All reload attempts were less than the card 's face value. Many people have reported having this problem in the past XXXX years.
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LendingUSA (MI)

Since the beginning of this year, I have received more than 40 contacts by lending USA and I have repeatedly told them. I am not the person. They are looking forward to collect on his debt and I have told him to stop calling me. Remove my information they can not verify any of the information to me due to privacy concerns, but they consistently call me without any validation, I have copies of over 30 voicemails that they have left me.
Consumer complaint received 2023-03-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

On XXXX XXXX, I was a victim of a XXXX scam. I had put up my daughter 's bed to sell on XXXX XXXX. Someone contacted me about it and wanted to buy it. They asked if I used XXXX, and I said I think I have/can. I knew it was linked with my accounts with my bank and I could go through my banking app to receive the money. I gave the person my email address to send be the money. I got an email from " XXXX '' stating I have a pending payment of {$400.00} ( the price I was selling the bed for ), but they noticed my account was limited and not a business account so I couldn't be credited. They stated I would need to ask the sender to send an additional {$300.00} so it can be changed and then I would be credited the {$700.00}. I have never used XXXX and it was through my bank, so I thought, ok, I'll do that. Well, then I received a second email from " XXXX '' stating that the {$700.00} is now waiting to be deposited into my account, but I was required to send the {$300.00} back to the buyer so that I would get my {$400.00} and for the buyer 's security. So I sent the {$300.00}, again thinking " This must be ok because it is going through my bank app ''. Then I received a third email from " XXXX '' stating they received my {$300.00}, but they noticed my account wasn't fully upgraded so I needed to send an additional {$500.00} for my account to be fully credited. They let me know that this was the last stage and once I did that, they would give me the {$1200.00} back. Again, not questioning it ( like I should have ), I sent them the {$500.00}. I then yet received a forth email from " XXXX '' stating I needed to send in {$700.00} for some I.M.F. certificate. At this point XXXX wouldn't let me send more than {$200.00}, so I sent {$200.00} through XXXX and the additional {$500.00} through XXXX. I then received a fifth email from " XXXX '' asking for an additional {$1000.00} because they deducted {$1000.00} from the buyer 's account and was putting it in my account ( which they never really stated why ) and that I was required to refund the buyer back the {$1000.00}. At this point I started to get suspicious and stated to the buyer that I was going to check this out with my bank in the morning. The whole time I was sending the money and getting the emails, the buyer was sending me messages stating he got the money and was trying to show me proof that he was sending money. After I stated I was going to get ahold of my bank, I never heard from him again. I was able to get the {$500.00} back from XXXX, but my bank has denied my fraud claim stating they were unable to get the money back from the XXXX recipient. Of course they didn't, it was a scam!
Consumer complaint received 2023-09-27
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: EQUIFAX, INC. (MO)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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