davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (SC)

I had sold a phone i got and called my cell phone provider XXXX to close the account and cancell my service. They said they will get it taken care of. Got a bill in the mail a month later with ridiculous chargers. They never closed the account and the person I sold the phone too was using my old service which wasnt an unlimited plan. 

I call and dispute and they said they would fix it and dont pay the bill. So I dont Then I get 2-3 more bills in the mail with late fees and more charges from the provider. I dispute again and they tell me that I never asked to close the account. Which I did. So then they finally close the account and they tell me that I still owe that money even tho they messed up big time. 

I create a XXXX complaint and have corporate call me 3 times. By now they already but my stuff into collections still while its in a dispute phase. And they said they would look into it and they apologized but they never got back to me. When I followed up I got the head of corporate on the phone and they ensured it was going to be taken care of. 


3 years later its still in collections and they are still trying to collect a debt I dont owe. I disputed the debt with the collection agency multiple times. And they hang up ever single time. I call them back and they still hang up. 

I recently successfully disputed it without a hang up and they still are destroying my credit with false claims. I told them to send a itemized bill and proof of debt and they havent sent anything to me. No proof that its owed and no proof that it is my debt. 

Yet its still impacting me and my family.
Consumer complaint received 2018-06-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Like many homeowners I have struggled to pay my mortgage. I have been hanging on for dear life until I finally decided to submit a short sale request to the Wells Fargo Bank. Its been over 3 months since I initiated the short sale and every time we call we speak to someone new who tells us something different. We have spoken to over 15 representatives and to date we cant seem to get an answer about this short sale request. It is hard enough I cant afford to pay my mortgage anymore and to be worrying about foreclosure. I received a letter XX/XX/XXXX saying I would have a decision on XX/XX/XXXX, the day before the pending sale date, neither me or my Realtor has been contacted. I do not want to go into foreclosure ... I would like to discuss a short sale. Because of the run around, representative who don't know whats going on in their own company and the fear of being thrown out of my home I have since filed bankruptcy. I still would like to be considered for a short sale so I can move out of this home with closure and some peace of mind. I have gotten very ill over this situation. XXXX and XXXX have set in. Sometimes I feel like I an about to loose my mind. Today XX/XX/XXXX my Realtor called Wells Fargo and was told that my home is being reconsidered for the short sale and we will have a decision within 24 to 48 hours. I am waiting for 48 hours which will be Friday XX/XX/XXXX and I am hoping I am still here when the decision comes. Too many people are loosing their  homes and the banks are just making homeowners lives more difficult when they give us the run around. Please I need your help.
Consumer complaint received 2020-07-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (RI)

On or about XXXX, XXXX, I returned a XXXX KIA XXXX at lease end in pristine condition inside and out with XXXX miles less than the contracted miles. KIA appeared to be annoyed that I did not give them repeat, successive business. From a third party collection agency, I found out that KIA had a {$2000.00} claim which was not satisfied, never notifying me details. 
Verbal telecon info from the collection agency indicated claim items were padded and some outright lies and embellishments. This was reported to XXXX, whose response were in the form of form letters and questionaires. They did nothing, but knock down my credit score from XXXX to XXXX I contacted both KIA and XXXX. Both replied apathetically..
Consumer complaint received 2021-01-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc (FL)

In XX/XX/XXXX, Plusfour , Inc. reported a collection account for XXXX XXXX in the amount of {$540.00} on my credit bureau file. In XX/XX/XXXX, I sent a letter to Plusfour disputing the debt and requesting validation. They did not respond. In XX/XX/XXXX, I sent a certified letter to Plusfour disputing the debt again and requesting specific information be provided to me ( see attached ). Again, they did not respond. Pursuant to the FDCPA, they were required to respond to my request within 30 days. To date, Plusfour has never contacted me or sent any information regarding the validation of this debt. In XX/XX/XXXX, I became a resident of Florida. Plusfour is not a licensed collection agency in the state of Florida. Additionally, they have violated multiple FDCPA laws. Plusfour has a long history of violating consumers ' rights by not conducting business practices in compliance with federal and state laws regulating consumer collection agencies. Plusfour has been the named defendant in a multitude of lawsuits filed in the United States District Court, XXXX Nevada. The lawsuits were filed by consumers due to fraudulent business practices and violations of federal and state law. Plusfour has 138 complaints filed against them with your organization., Plusfour Inc. currently has an F rating with the XXXX XXXX XXXX with multiple unanswered complaints. Additionally, I am a permanent residence of Florida and Plusfour is not a collection agency in Florida as required by law. I am requesting that this company be investigated and that the account be deleted from my credit Bureau file immediately.
Consumer complaint received 2020-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

I created a new account with chase bank on XX/XX/2020 under my name XXXX XXXX. I put my money it in no problem and I created the account online and wasnt able to put my fianc on my account until I could go to the bank, and he wasnt off for a while to where we could go. So I took his XXXX XXXX check from XX/XX/2020 and he signed it over to me to deposit through the app. I didnt know this would create a problem where I couldnt use my checking account, I cant even get my money out and I need my money ASAP for rent and bills. I was told over the phone on XX/XX/2020 that they were just verifying the check and my account would be back up on XX/XX/2020. So XX/XX/2020 I got a letter dated XX/XX/2020 that said they were going to close my account. When I called I kept getting transferred around and finally disconnected after waiting over an hour. I seriously just need my money as soon as possible, I would prefer my account be fixed if possible.
Consumer complaint received 2023-02-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

Last XX/XX/2023, I conduct a fund transfer from my Paypal Account to my link debit card, the transaction was fine it goes straight to my account successfully but after almost 2 hours suddenly I received an email from PayPal stating that I violate their Policy and I can no longer use their service. Which I think at that moment they also conduct system generated reviews. This might be the reason their system detects my account because what happens is that on that day I transfer my fund twice already and in the third one they limit my account. And also don't I have active cases in my account. I think it's part of their security that's why it happens, but I don't know exactly if it is really the cause. 

That's why I need your help to settle this issue in my account if ever I really did something against their policy or just some system error. I want to know exactly what happen so that I can understand the situation. 

I have attached below the transactions and emails that might help to resolve this matter. 

Thank you
Consumer complaint received 2018-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (SC)

The following number XXXX and other numbers from this same company keeps calling my number repeatedly while i am at work. I send it to vm and they literally call right back. I answered and informed them this debt was paid and that i wanted my cell phone number removed from their list and added to the DNC, I asked them not to call me again. They keep calling!!! This is for XXXX XXXX  clothing store credit card. aka : XXXX XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (NY)

In accordance with the fair credit reporting act regulations this creditor has violated my rights under the 15 USC 1681 section 602 states I have the right to privacy ( USCS 1681 ( section 604 section 2 also states that a customer can not furnish an account without my written instructions under 15 uscs 1666b a creditor may not treat a payment on a credit card account under an open credit plan as late for any purpose please delete this late payment affecting my credit score I this companies never validated the account never send me any contract with my signature or any valid documents when I requested I the collection they just ruined my credit
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (TX)

I signed up for debt consolidation with Freedom Debt Relief in 2017. After 3 years of paying increments of {$130.00} plus their fees, I decided to pay the rest of what I owed as a lump sum since it is advertised on their website and from speaking to different agents on their chat system and phone, they said it would be the quickest way to " graduate '' from this program. Since XX/XX/XXXX, when the deposit went through, I have been contacting them and every time I have I have been told different things. First I was told it would take up to 10 days, then I was told 2 weeks, then I was told anywhere up to 30 days. I finally demanded something be done because I've been told the same thing over and over, that the creditors need to review my account and then negotiate the lump sum amount, so an agent said they would " look deeper '' into my account. He then told me that because I don't have an extra {$45.00} in my dedicated account that the system wasn't automatically starting the graduation process. I have asked them many times to see if they can manually do something and was told it is all automatic and all I can do is to check from time to time. He told me he was personally going to talk to his leadership to start the process and it still has not started. I chatted with someone today and am being told the same thing again. During this period they continue to charge me their service fee and continue to withdraw money out of my checking account. I am never able to speak to someone higher up or the creditors myself. I would have been able to pay off my credit card debt on my own with the funds I have but was told I could lose the resolution amount if I do it on my own so now my funds are sitting in an account while my credit score and report continues to negatively affect my life. Thank you for reading my long statement, I hope you are able to help me and other who are in similar circumstances.
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF THE WEST (NV)

On XX/XX/XXXX I was approved for " Credit Card Direct Mail Campaign '' rewards card through Bank of the West. The rewards program states that I must charge {$1500.00} in the first three months, beginning at approval date, and I then i would qualify for the {$150.00} bonus. Towards the end of XXXX I emailed Bank of the West asking for the status of the {$150.00} dollar bonus. On XX/XX/XXXX they answered and stated that I had only charged {$1300.00}, so I did not qualify for the bonus. On XXXX, XX/XX/XXXX and XX/XX/XXXX I again requested their decision after I had explained the below concerns. there answer is that they are still working on the research. 
My concerns are that I did not receive the bank card until at least 3 full weeks after approval. I believe the normal time period for receipt of the bank card after approval is 3- 10 days. My explanation is that I could not charge to the card if I did not have it. On XX/XX/XXXX the bank easily had posted over the {$1500.00} requirement. I thought that perhaps the reason for late receipt of the bank card was due to COVID 19.

It appears that they are dragging their feet hoping that my request will go away. If this has happened to me, it may be occurring with others.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: ERC (TX)

This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
Consumer complaint received 2019-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My Previous Complaint : I contacted the company today, XX/XX/2019 at XXXX and spent almost 20 minutes on the phone with them. The first representative I could barely understand and I had to ask him to repeat himself several times. However, I know I did have to list every inquiry I had issues with, only to then be told transunion couldn't help and I had to go the lenders?? Even though I already contacted them directly and told Transunion this, they still couldn't do anything. I then asked for a supervisor because clearly this had to be wrong. My credit bureau is supposed to PROTECT my information and clear any inaccuracies. The supervisor however gave me the same exact runaround. What are they there for!!????!!! I need these auto loan inquiries removed. I own a car with no lease. I'm not married and I dont have kids. I don't need a car. I did absolutely none of these. XX/XX/2019 - XXXX and XXXX, XX/XX/2019 - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX  XXXX XXXX, XX/XX/2019 - XXXX XXXX, XXXX XXXX, and XXXX XXXX. I need these removed ASAP. Transunion is awful. XXXX has so much better staff that is much more helpful. 

New Complaint : It's like the company did not even read it this. The response was absolutely nonsensical. I KNOW hard inquires stay on for 2 years. I KNOW I need to write letters. ( Which I did ) I did contact Transunion. DIRECTLY, TWICE. Even spoke to a supervisor. And nothing was solved. I now have to complain again. I want these fraudulent reports removed like any normal credit reporting agency would do. These inquires were not approved by me. I made no such approval to have my credit run by any lenders in XXXX, 2019. Transunion is by far the worse credit bureau in existence.
Consumer complaint received 2020-07-14
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: Carter-Young, Inc. (GA)

On XX/XX/2020 I notified XXXX  of an invalid account on my credit file. Under federal laws and FCRA guidelines section 609 ; I requested XXXX  to validate/verify the account by the name Carter-Young INC/XXXX. In has now surpassed the 30 day investigation period and I have yet to receive a response. XXXX  is now in violation of FCRA section 609.
Consumer complaint received 2021-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (PA)

We DO NOT have any student loans but Navient is calling relentlessly. It is in error, there are not students with loans at this address or phone number XXXX They call at least 10 times a day.
Consumer complaint received 2019-05-20
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CO)

My Direct Express debit card was stolen ad used to withdraw XXXX on Friday XX/XX/2019. I reported the fraud within a few hours of the withdrawals. As soon as i noticed the card was missing. 

I've been trying non-stop since then to file a dispute but haven't been able to talk to a person in order to file a dispute. I'm just put on hold fore hours until I give up. I've gone online and seen literally hundreds of complaints about the companies bad business practices. I depend on that money and am aware of the Electronic Funds Transfer Act. 

Can you help me with this?
Consumer complaint received 2018-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

This complaint is regarding a closed account with XXXX. I have been a customer of XXXX for more than 4 years, unfortunately, this incident happened twice with XXXX. 

The first one was that I transferred responsibility to another person and stated that there was a {$75.00} balance that was not paid. I was called by a collection agency after several months and did pay for it because I did not want to get reported to the credit bureau. However, XXXX did not send me any mail or final bill or even a phone call even when I still have an active account with them. 

The second incident happened early this year when I transferred responsibility to my brother as I completely cancelled my XXXX account due to unsatisfactory service. My transfer of responsibility and change of service started XX/XX/XXXX. I then requested a final bill which I received on XX/XX/XXXX  with the amount of XXXX that I paid XX/XX/XXXX. Since I received the final bill, I assumed all the transaction including the transfers were all taken care of. 

On XX/XX/XXXX, I received another letter that stated I owe {$550.00} from a cancelled account from XXXX. I then started calling XXXX multiple times to clarify the bill that I even went to their store. Unfortunately, since the account was closed and I couldn't remember the passcode, we were back and forth on who to talk to. I believe my mistake was also not writing down how many times I called which I was in good faith that they will follow up. 

I did not hear anything from XXXX at all so I decided to call on XX/XX/XXXX, I finally learned that XXXX charged me for an equipment that I do not own. XXXX then contacted the person that I transferred the responsibility to so that this transaction will be completed. I did not received any notification or follow up call, again, in good faith that they are handling the situation like they should. 

A couple of weeks later, I still have not received any final corrected bill XXXX so I made a call on XX/XX/XXXX. They said that the person that I transferred responsibility to only signed 1 out of 3 paper documents. I then question them why did they not informed any of the account holder or follow up any call so this can be avoided. After lengthy conversation, I stayed on the phone with the representative along with the other customer to make sure that the other 2 documents were electronically signed and said that the signed documents were completed. I then asked for an updated bill but was advised by the customer rep to call back on XX/XX/XXXX because my billing cycle would start then and the bill will be updated. 

On XX/XX/XXXX, I received a phone call from Convergent Collection Agency and spoke with XXXX XXXX that stated I owe $ 500+ from XXXX . 

XXXX did not communicate properly with us regarding our final bill. They just sent my information to the collection agency without proper follow up or letter. This is very devastating especially I take care of my credit score.
Consumer complaint received 2018-06-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

When set-up, my checking account had an associated address with a family member in XXXX, XXXX   and was later changed to my address in XXXX, XXXX. I completed a change of address form when moving to XXXX, XXXX. The family member address in XXXX, XXXX continued to receive my account statements with my account information. 

I closed my account with Fifth Third in XX/XX/XXXX while at the XXXX, Ohio address on file. I continued to receive account statements even though my account had been closed for over 2 years. I went to a branch and had the branch manager confirm all accounts were closed in XX/XX/XXXX. In XX/XX/XXXX, another family member received a debit card in the mail for an account in my name in XXXX XXXX, XXXX. 
Even though my account has been closed since XX/XX/XXXX, my personal account information has now been sent to two addresses that were not associated with my account. I am concerned as to where else my information may be sent and also that Fifth Third has set-up fraudulent accounts in my name.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.