davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Second Round Limited Partnership, Austin, TX Branch (IL)

I submitted an debt validation request to Second Round LLC on this debt in XXXX that was never answered. 

Instead, they have been contacting my relatives constantly over the past few months to get ahold of me, when they already have my contact information and know how to contact me. 

I spoke to XXXX XXXX on XX/XX/2020 and attempted to work out a Debt Payoff agreement. He said the client would only be willing to work with me if I provided the name of my employer, monthly household income, among other personal, irrelevant information. 

He also classified my account as pre-legal which he essentially characterized as them getting ready to sue me. 

I am trying to get more information on the nature of the debt which was never answered and hope to work with them to settle out what I owe, if anything. This agency harassing my family and asking for irrelevant personal information as a requisite to a payoff agreement is absolutely absurd and puts already vulnerable people at their mercy.
Consumer complaint received 2020-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALEXANDER-ROSE ASSOC, INC. (TX)

I have filed a complain with this company a year ago, XX/XX/2019 and received no solution. This company was included in a bankruptcy filed for myself and my husband, who is a joint debtor, in XX/XX/2019 and also does not have a surety bond to collect in the State of Texas. According to Texas Finance Code  Section 392.101 requires that a third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. Therefore, I am requesting this company to cease collection efforts and stop reporting to the credit bureaus.
Consumer complaint received 2020-03-09
Product: Debt collection — Other 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: WELLS FARGO & COMPANY (FL)

Scam callers using the website XXXX calling from XXXX. These people had my wifes full social security number, date of birth, addresses, wells fargo account numbers and drivers license number. We confirmed there is no such debt but many people are reporting their being called as well with the same kind of data on hand. I believe that Wells Fargo has experiences a databreach that they have not disclosed. XXXX XXXX XXXX the number of complaints is growing all with the same story and it started late XX/XX/XXXX around the same time their website XXXX was established.
Consumer complaint received 2020-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/2019 I sent a check in the amount of {$940.00} to the COMMENTY XXXX rewards Visa card account I had. Upon my {$0.00} balance I called and spoke with a representative to close my account as I am no longer interested in having this card. ( Too Many frivolous charges and interest fees ) The rep tried to convince me to keep the card active but informed me of the annual fee to do so. I asked her why would I pay $ XXXX {$400.00} per year for a card I dont want and wont use. She agreed to close my account but also informed me that I had rewards on my card that I was do. 

i initially told her I wasnt interested and wanted the account closed. She then informed me that the reward was already earned and could be added to the overpayment refund I was due for the {$940.00} check used to payoff my balance. I specifically asked and was assured that there would be no fee associated with the reward being added to the overpayment refund due to me. 

In XXXX I received a bill from COMMENTY staying I owed {$80.00}. I figured this was an error so I disregarded it. In XXXX I received a second bill stating that I owe {$120.00} I then called and spoke to a representative who had no idea why not only was my account reopened but why I owe money without the card being used for a purchase. 

After waiting 10-15 minutes another representative told me that the reward was issued in error on their part and that I was responsible for paying it. 

That doesnt make sense when I was assured that there would be no fee for adding the reward to the overpayment amount. 

Secondly, how can I possibly owe first {$80.00}, then {$120.00} for a $ XXXX {$40.00} reward card amount? 

They are trying to charge me and have me repay the refund Furthermore why would I accept the reward when I made it very clear that I was no longer interested in this companys services upon repaying me debt? 

I feel that I am being mistreated and bullied among other things for their error.
Consumer complaint received 2020-03-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

XX/XX/XXXX - Dispute letter to collection XX/XX/XXXX - Validation letter to collection XX/XX/XXXX - 2nd Validation letter to collection XX/XX/XXXX - 3rd Validation letter to collection XX/XX/XXXX - {$32.00} INS fee from my bank for a {$930.00} check # XXXX from collection XX/XX/XXXX - CEASE & DESIST letter to collection ; XXXX  Complaint and Kansas AG Consumer Complaint.
Consumer complaint received 2020-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: The Allen Daniel Associates, Inc. (MA)

My name is XXXX XXXX. I have dropped out of XXXX XXXX College after three days due to getting XXXX. I had financial aid, but now they expect me to pay. I can not afford to pay for this.
Consumer complaint received 2020-03-09
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (OR)

I had completed a Modification in XX/XX/XXXX with my former loan service, XXXX XXXX. My payment was modified from XXXX to XXXX and the past due balance was re-amortized. In addition, XXXX XXXX   changed my payoff date to XX/XX/XXXX of XXXX. When my loan was transferred to Specialized Loan Servicing on XX/XX/XXXX, they did not honor my previous loan modification with XXXX XXXX and reported my loan as past due. When I tried to make my payment with Specialized Loan Servicing in XXXX I was not permitted to do so because my loan was delinquent. 

In XXXX of XXXX I contact Specialized Loan Serving to dispute the delinquency on my account, and to honor my loan modification. Since my dispute I have not been able to get a clear answer from Specialized Loan Servicing. I finally applied for another loan modification in XX/XX/XXXX, and was denied for that modification on XX/XX/XXXX because my loan did not " meet delinquency requirements. '' I have since submitted another Qualified Written Request to Specialized Loan Servicing.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Onity Group Inc. (GA)

I did not authorized these enquires and ask for them to be removed.Credit Bureaus were contacted in XX/XX/XXXX & XX/XX/XXXX to remove enquires also
Consumer complaint received 2023-01-20
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. (FL)

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Navient Solutions, LLC. (GA)

I did not authorized these enquires and ask for them to be removed.Credit Bureaus were contacted in XX/XX/XXXX & XX/XX/XXXX to remove enquires also
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (AL)

Upon review of my LexisNexis credit report I found that they had two social security numbers which were not mine, an address I have never been associated with, wrong birth date, and a suffix to my last name ( XXXX  ) which I am not a XXXX.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, 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. (IL)

My Identification Was Compromised & Used To Obtain Goods & Services I Requested Several Fraud Alerts & Security Freezes On My Report That Some How Was Taking Off I Contacted The Creditors & No Help Contacted Bureaus & Now Im Taking These Steps Of Filing and Sending Letters Hopefully I Get Help
Consumer complaint received 2023-02-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

Last month XX/XX/2023, I sent you a dispute letter containing the list of accounts and items that don't belong to me but you seem to be ignoring the letters I sent you. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX, and the Office of the Atty General if I receive the correct response.
Consumer complaint received 2020-03-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

I had a 2nd mortgage with XXXX. They sold it to Shell Point Mortgage, I've been trying to get in touch with them to find out what is going on. They sent me a letter and somehow I lost it. I was told that I could make payments to them. I have not heard anything from them at all. I'm willing to work with them if I can get in touch with them. I'm not sure but I think they want to foreclose on my home. 
I would like another letter sent to me.
Consumer complaint received 2024-04-08
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)

I bought a American Express prepaid gift card of XXXX XXXX I used XXXX $ and I still have XXXX $ active, I gave a call to the phone number behind the card to make sure I had XXXX $ left which it said I did, but when I try to use it online or on my phone it says card decline.
Consumer complaint received 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 
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 XXXX
Consumer complaint received 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-04-07
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. (OH)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX, XXXX, XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint Against Equifax 's Noncompliance with Final Rule 1022.142 ( b ) ( 6 ) and 1002.142 ( b ) ( 2 ) Dear Sir/Madam, I am writing to file a formal complaint against Equifax for their willful noncompliance with the Final Rule 1022.142 ( b ) ( 6 ) and 1002.142 ( b ) ( 2 ) regarding the blocking of adverse items in my credit report that are the result of human trafficking. I am a human trafficking survivor and have submitted all required documentation to Equifax, including victim determination documents from authorized non-governmental organizations, a signed self-attestation statement, and proof of identification. Despite providing the necessary documentation on two separate occasions, Equifax has refused to block the items in my credit report that are directly linked to human trafficking. Equifax has insisted that I obtain a determination from another governmental agency, which is not a requirement under the law. Their refusal to accept the documentation provided has resulted in a denial of my dispute twice times, preventing me from exercising my rights as a victim of human trafficking. I urge the Consumer Financial Protection Bureau to investigate Equifax 's actions and ensure their compliance with the law. I request that the CFPB intervene to compel Equifax to block the adverse items in my credit report that are the result of human trafficking, in accordance with the Final Rule. I kindly request that this case not be closed until Equifax has taken the necessary steps to remove the items in question from my credit report. Thank you for your attention to this matter. I look forward to your prompt action and resolution. Sincerely, XXXX XXXX XXXX ( Please respond by email only or phone call ) ) XXXX, or XXXX
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

In XXXXXXXX XXXX I opened a business account with wells Fargo I bring the sole owner of XXXX XXXX XXXX upon me opening my account I was informed by wells Fargo employee that I have to add some one too my dba too have them as my XXXX  an I added XXXX XXXX XXXX as my XXXX  an he stole, embezzled, an misappropriated funds from my company ..cashed checks an diverted checks too XXXX XXXX XXXXXXXX because of wells Fargo 's actions ..also have out my personal account information an allowed him access too my personal account ..him stole about XXXX XXXX from me an my business..
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (AZ)

I went on to experian.com to receive my free credit report. Once I got in and had given my personal information it said that in order to get your score you had to give your credit card information but then you could cancel within 7 days and not be charged any further fees. After I entered my information I started getting all sorts of emails trying to get me to pay more. I went in to cancel and there aren't any options to cancel. So I called in and in order to speak with a representative you have to enter your SS # and zip. Then when someone finally answered your call they ask for your name and date of birth. And the representative barely speaks english. It was just XXXX on my part to even sign up. I thought Experian was one of the 3 trusted credit reporting institutions. I'm now really worried about my personal information!
Consumer complaint received 2020-03-10
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc. (NY)

IC Systems collection agency has been harassing multiple family members ( including my brother, and elderly father ) on many occasions. On one occasion my father was with me and passed me the phone, i explained to the gentlemen on the phone that the number he is calling is not mine and my fathers and to stop calling it and he hung up on me. I called again, and spoke to a women who said they would take my fathers number off file. They still call my father almost everyday. Harassing an elderly man for no reason, demanding him to put me on the phone to speak with them. I have also on more then one occasion told this company not to call me anymore or send letters, since they wished not to settle an amount with me. I explained if they didn't wish to settle then there is no reason to keep calling me. They send letters to my house every single week. It absolutely insane. I called once from my work phone to speak to someone about settling and now they call my work phone! So unprofessional, this is beyond the point of harassment.
Consumer complaint received 2023-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (KY)

On XX/XX/2022 I received a call claiming to be Wells Fargo. They were calling about suspicious XXXX transactions on my account. They provided some personal information and account information to verify and they spoofed the caller id number. They went through the process of " canceling '' my debit card and then helped talk me through refunding the XXXX transactions that I said I never made. I couldn't see them online, but they assured me it's because they were under review for fraud. They had me set up a XXXX contact to under a number they gave me, listing my name and Refund as the contact name. I then sent XXXX dollars to this " refund '' number, as instructed. They then asked me to do it again for {$500.00}, but at that time my roommate ( who was searching scams online ) showed me a story of a XXXX scam that was exactly like what I was going through. I immediately hung up and called the XXXX number on my debit card, where they confirmed that the person I spoke to was no a XXXX employee and I was, in fact, scammed. I immediately filed a fraud claim. A few weeks later, since I hadn't heard back from XXXX I called and was told that the WRONG fraud claim was filed. They had filed a debit card fraud claim, and apparently it should have been an online fraud claim ( or Vice Versa ). So another fraud claim was filed with XXXX for me. A few weeks later I received a letter stating my claim was denied because I authorized the payment. It is true, I authorized the payment because I was lied to by someone claiming to be a Wells Fargo employee. I gave up, until I talked to someone who went through the same thing, but then received an unexpected refund from XXXX, after their claim had already been denied. I have not received any money back and I am wondering why some people are being refunded for the same scam while others are not. It was incredibly violating and disheartening, as the XXXX representatives I spoke to when filing my claims made me believe this would be taken care of and I would get my money back. The only reason it didn't empty my bank account was I had just receive my tax return via direct deposit, otherwise I would have had nothing.
Consumer complaint received 2018-11-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Kashia Services (KS)

Due to personal financial issues, I have had no choice but to resort to payday/predatory lenders and these high interest rate, last ditch effort loan companies. I borrowed {$870.00} from XXXX XXXX on XX/XX/2017. I have since repaid {$1200.00}. I still have a balance remaining. I was aware that the loan would have such a high interest rate, but I am struggling to make these payments and I am hoping to be able to have this account closed and listed as paid in full without me needing to make anymore payments as this company has made a sufficient amount of money over the principal. 

None of the email addresses listed on the website are active or working as I have gotten all of my emails returned ( see info from their " Contact Us '' website link below. ). I have called three times and no one has answered ( see info from their " Contact Us '' website link below. ). 

P : XXXX E : XXXX E : XXXX XXXX