davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the deletion of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the accounts being reported on my Credit Report. But in my case, Experian has kept reporting the disputed accounts claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Experian provide me copies of documents bearing my signature to verify the status of the disputed accounts. If they failed to comply with the condition and continuer the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts DELETED as soon possible : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Consumer complaint received 2023-12-04
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (GA)

Someone stole my cash app card on XX/XX/2023, I notified them and reported my card stolen. I disputed the transactions because cash app would not cancel them while they were pending. Cash app immediately denied the disputes four times, told me I am committing fraud and refused to return my money. When you call them they ignore your request and concern and hang up on you. The charges were from XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX again in the amount of XXXX. This has been scary for me. I need assistance with getting them to honor my dispute and refunding my money. I have contacted them over 30 times.
Consumer complaint received 2018-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (TX)

My subscription to the XXXX XXXX expired. They continued to deliver newspapers. I did not ask for or want them. I tried to cancel a few times. Finally my wife got through and the subscription was cancelled. They tried to collect for the amount ( above the market / subscription rate ) for what THEY decided I owed. For papers AFTER my subscription ended. I did not pasy the bill as I did not and do not feel it is a valid debt. Then they sent it to a collection agent. I relented and paid the ~ {$75.00} that I DID NOT OWE. I want a refund and any negative credit impact expunged. I will also be filing a complaint with the the local DA and the state Attorney General. This is an unmitigated extortion machine.
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I called American Express after opening a XXXX XXXX XXXX XXXX to inquire about a promotion offered for XXXX miles if you hit a certain spend threshold. The representative was going to contest my being declined for the rewards and would get back to me. I followed up on XX/XX/XXXX and the representative told me that the miles were approved and I will be receiving them. Based on that information, I made financial decisions with the knowledge that the miles were coming : I made a large purchase that day on the Amex card instead of using a different card, and I also redeemed miles for a flight that I otherwise would not have done. I called back on XX/XX/XXXX to check on the arrival of the miles and the representative said they were coming and they take 6-8 weeks from the point that the spend threshold is met. By XX/XX/XXXX, the miles had not arrived so I called Amex again. For the first time, the representative told me that my miles offer was declined and that I would not be receiving the miles. They had no explanation for why two previous representatives informed me that the miles offer was available to me and that the bonus miles were going to show up in my account in a matter of weeks. They also had no specific information as to why the miles offer was denied. Additionally, Amex sent me a mailer asking me to apply for the same card and that there was a similar offer of ( now ) XXXX bonus miles. At the end of the day, we're talking about ~ {$1000.00}. It's not an insane amount of money. However, I was given specific information that I'd be receiving this bonus from TWO representatives ( on XX/XX/XXXX and XX/XX/XXXX ) and I then made financial decisions based on this false information. While the representatives may have been misinformed, that's on Amex and not on me. I have enjoyed my different Amex cards and their services since XXXX, but this is ridiculous. Amex is supposed to be the company who fights issues like this for their cardholders ... they shouldn't BE the issue. I then reached out to the XXXX XXXX XXXX to have them assist in getting this resolved. AMEX did not resolve the issue, but they sent me a written letter in the mail claiming that their representative did in fact tell me that my appeal to be eligible for the promotional bonus miles was successful and that I would be receiving the bonus miles when I hit the spend threshold. The letter continued that they would retrain this individual. They apologized. They also stated that I will still not be receiving the points. I have this correspondence where they admit fault and follow up to do nothing in the way of making this situation correct.
Consumer complaint received 2019-01-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (NY)

I have requested on numerous occassions to have the extra money I send in each month to be applied to the loan 's principal. Wells Fargo is future dating my account rather than applying these funds to my princiapl. In an effort to pay off this high interest loan, I have been making weekly payments of {$100.00} in an effort to pay off the loan quickly. I currently pay through my bank by auto deduction payments. So, for four years I have been paying the loan off by paying {$400.00} per month ( {$100.00} a week ) therefore, {$5200.00} a year. Wells Fargo is future dating the loan and also applying these extra funds to interest. 

I have called, written, complained, etc. to no avail.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo closed my checking account because I forgot to update my address. Once closed, they claimed to have sent a check for the balance ( over XXXX ). I did not receive the check. It has been 4 weeks since the check was either lost in the mail, or not sent at all. I have followed up with Wells Fargo, and they want another 90 days before they will return my funds. Additionally, they want me to sign an affidavit that I have not received the check.
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Information was breached and inquires along two accounts were open. I have attached the FTC report that was submitted. 

Also account : XXXX XXXX XXXX should have been removed ( XXXX  )
Consumer complaint received 2019-01-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC (IL)

Shellpoint Mortgage Company Keeps Harassing Me No Matter What I Tell They Sending Letters They Said To I Was Dead Then They Send Me A Letter Talking About I Have To Go To Court Then They Turn Around And Send Me A Letter Talking About I Owe Them {$100000.00} Dollars And I Don't Know What They Talking About
Consumer complaint received 2019-01-28
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (TX)

seems XXXX XXXX XXXX HIRED A LAWYER TO COLLECT XXXX I DO NOT OWE XXXX XXXX XXXX XXXX NOW WANT XXXX FOR THIS LAWYER XXXX XXXX I DISPUTED IT SEVERAL TIMES SENT E MAILS NOW THEY HAVE MY PERSONAL BANK ACCOUNT NUMBER CAN THEY TAKE MONEY FROM MY ACCOUNT??
Consumer complaint received 2024-03-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TAG Intermediate Holding Company, LLC (CA)

I noticed that my car needed an oil change, thus, I went in for these services on XX/XX/XXXX. I took the opportunity to tell the dealer that my car was also making a weird noise and was pulling itself when I attempted to drive it, and commented that the water valve was not working. The dealer requested that I take it to their mechanic of choice, thus, I consented. On XX/XX/XXXX I called for an update, however, the mechanic informed that my car was in line for a revision/diagnostic. On XX/XX/XXXX the mechanic informed me that the car 's transmission and shock absorbers were not functioning properly and suggested that this be fixed immediately. The dealer informed me that these expenses were not covered by the car 's warranty, thus, I would be responsible for the costs of {$850.00}. However, I recall that when I signed for this car on XX/XX/XXXX I was promised 3 years of covered warranty for oil changes, faulty parts, etc. 

On XX/XX/XXXX around XXXX I went to the dealer to informed them of this issue and request that the dealer take responsibility for these costs. The lady revised my warranty and stated I had no warranty despite this previously promised to me for 3 years. 
The lady refused to provide a list of the warranties that my car does have and promised to follow up. 

On XX/XX/XXXX XXXX, I received another call from the dealer stating that if I chose to return the car, I had that option, however, I would not receive my down payment or the monthly payments previously made in return. 

I have only had this car for 3-months, thus I know that it will not be reliable or safe for my family in the long run. I would like to return this car for a more reliable car, however, I think it is unfair that I have invested into a faulty car and will not be compensated for the loss.
Consumer complaint received 2015-06-26
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NJ)

My husband (at the time) was away XXXX for a year, in XX/XX/XXXX-XX/XX/XXXX, decided to leave his family when he returned then filed bankruptcy in XX/XX/XXXX and the mortgage was my responsibility. I attempted for a year to get a loan modification with Greentree Mortgage, I was told to fax my information at least XXXX times, which I did,  they were behind in the servicing department. I called in XX/XX/XXXX to try to put the debt of my 1 year of mortgage payments onto the end of my loan and start paying each month in XX/XX/XXXX, to which I was told I would need to pay the balance of over $10K, obviously which I did not have. I spoke to a representative in VA Loans Department and was told she would get this resolved for me, i never heard from her again, I left several messages for about a month, faxed my information as requested, again. By the time XX/XX/XXXX came around, I was asked to fax my information again and instead I was able to get an apartment and move, I have XXXX kids that I had to move instead of being thrown out due to a foreclosure. The house remained vacant, I never received any letters about my house going into foreclosure, just statements saying balances that are owed and late payments, a letter from Greentrees attorney stating they will sue me for the remaining mortgage amount owed of over $180K. I attempted a Short Sale that fell through, nothing came of it since we needed so much work on the house and the amount we were selling for was way overpriced for the house. My house was ransacked XX/XX/XXXX, and all of our valuables, were stolen. We called the police and filed a report. After an investigation by our local police department, we found that Greentree sent in a Clean Up crew to winterize the house, change the locks, and cut the grass (which they only did half of the front yard) we had about $15K in valuables and personal property stolen. Filed a claim with our homeowners insurance and we need receipts for valuables that over 10 -20 years old, we do not have receipts! We got in touch with the clean up crew and they denied taking anything, yet all of our neighbors saw them emptying our home, and luckily took down their license plate number. Greentree denied sending them in, the clean up crew blamed Greentree. All of this going on and to date I still have not received a Foreclosure Notice. I was forced by this situation to file bankruptcy to resolve this mess. I  have proof of all of my attempts to file a loan mod available by date as I was faxing this information, names of the reps, phone numbers and departments they work in.
Consumer complaint received 2022-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/XXXX I got a phone call from a guy saying he was a detective and I was in legal trouble and needed to pay fees to get me out of it. I was told to send 2000 through XXXX on the XXXX, and then XXXX on the XXXX. I believed that it was a real detective because the guy had told me my wifes name and the phone company we use. I was told I would get 80 % back of what I sent once the case was closed. I kept calling XX/XX/XXXX to see what was going on, and then they started asking for more money which then I realized it was a scam. I called my financial institution, chase, as soon as I found out, and they wouldnt help me. I tried to contact XXXX and they wouldnt help either. The numbers that the scammers used to call me were XXXX and XXXX. The XXXX account I had to send money to was through XXXX, XXXX XXXX.
Consumer complaint received 2019-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The responses offered did not fit my situation. The ones I chose were closest to it. 

I recently received my XXXX mortgage interest form from Bank of America. It was not correct. My XX/XX/XXXX mortgage statement stated that I paid {$22000.00} in interest. My XXXX, which was available online on XX/XX/XXXX, stated the amount was {$20000.00}. I called during the 1st half of XXXX and was told by the person that they would send a revised form. As of XX/XX/XXXX I had not received the form so I called again to find out the status. The phone system says a new form was sent XX/XX/XXXX ( it wasn't posted online and I didn't receive a copy in the mail ). When I reached a person ( XXXX employee # XXXX ) she explained that since I have prepaid 4 months of my mortgage, they would only report interest through the scheduled XX/XX/XXXX payment ( which was made in XXXX ). I mentioned that the Table 1 Instructions for IRS publication 936 ( page 10 ) states that " You can deduct all of the interest you paid during the year on mortgages ''. When I asked to speak with someone that could answer why BofA was interpreting mortgage interest this way she would not forward me to anyone else. She said that both the Tax Area and Year End Department were closed for the day ( this  was at XXXX in the XXXX  EST ).
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

on XX/XX/XXXX they charged me {$39.00} for a reverse payment and I checked my bank account and I had enough money to cover my statement so I don't know what happened but they refuse to refund me the {$39.00}
Consumer complaint received 2024-03-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

Collection agency has not provided validation information under 12 CFR 1006.34 b 15 but yet they placed a collection on my consumer report.Also I have not been given a chance to dispute account according to 12 CFR 1006. 34 c 4 l they violating a lot of the laws so I would ask to b deleted.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is XXXX XXXX XXXX submitting yet another CFPB complaint to you today to request that the remaining items be completely deleted from my Credit Report. I have been sending multiple written letters addressed to the Credit Reporting Agencies that they remove the disputed fraudulent items completely from my Credit Report. the most recent letter I sent to the Credit Bureaus was dated XX/XX/XXXX with complete attachments of my personal identifying documents as well as the IDTHEFT REPORT I received from the FTC. These attached documents are requirements to remove any fraudulent accounts and information from my Credit File under the FCRA section 605b. Despite all the letters I have been sending, The Credit Bureaus have become negligent of their responsibility with the FCRA. Under the FCRA section 605b, I am requesting that the remaining fraudulent items be COMPLETELY DELETED from my Credit Report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXXXXXX Balance - Date opened XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCB Management Services Inc. (GA)

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : NCB MANAGEMENT SERVICE ( Original Creditor : XXXX XXXX XXXX XXXX. )
Consumer complaint received 2024-03-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Tried to make payment to the company than when I did they said I didn't make the payments. They repossessed the vichicle and than would not give me a chance to get the car back. than would not give me a pay out. than they sold the car for XXXX than said I owed them the full amount of the car plus interest on that amount. and its been over 8 years ago on this loan
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Consumer complaint received 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RentDebt Automated Collections, LLC (TX)

I owe this company no money. The apartment complex failed to repair my leaking roof which resulted in a molded roof. The molded roof violated the rental agreement and the apartment complex allowed me to move out with no penalty. This account should not be listed on my credit report.
Consumer complaint received 2019-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MI)

Convergent Outsourcing listed an account on my credit report that has been paid in full. I disputed the account with XXXX  and XXXX months ago. I received a letter dated XX/XX/2018 from Convergent stating that they are no longer furnishing the account and that if it is listed on my credit report, they are going to send an request to have it removed. It is still listed on both credit reports. I sent evidence to XXXX  of the letter that Convergent sent me. They informed me that when they try investigate the matter, Convergent is informing them not to remove it from my credit report. There is conflicting information as to what Convergent is telling the credit bureaus to what they sent me in the mail. I would like the account removed from both XXXX  and XXXX.
Consumer complaint received 2019-02-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRSTBANK (CO)

I texted a guy off of XXXX to buy XXXX tickets. He totals me the seat section row and numbers, I agreed to pay him {$400.00} in exchange for 4 tickets to the game. He sent me his email to send the money via XXXX. I sent him our email address to send tickets via XXXX XXXX. I sent the money. He said the tickets were on their way, but never sent them.
Consumer complaint received 2024-03-24
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: Incomm Holdings Inc. (UT)

I bought a XXXX XXXX XXXX card at XXXX on XXXX XXXX 2024. The balance loaded was {$500.00}. I can see that the card has a balance of {$500.00}. However, when I try to use it for online purchases it keeps getting declined. I have tried XXXX different websites. 
Tried calling the XXXX number on the card ( XXXX ). It is not possible to reach a live person and no option to file an online complaint for this problem. 
I have only tried to spend {$200.00}.