davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: InvestiNet LLC (FL)

This is my XXXX time filing a XXXX complaint about this and this is criminal at this point. The 2 previous complaints are numbers XXXX and XXXX. 

So basically they are illegally trying to collect on a debt that is passed the statue of limitations and are FALSELY stating the amount owed. The court judgment they tried using before is long expired and was never renewed so it is passed the statue of limitations. 

So please stop telling lies that this debt is owed, enforceable or collectable. Everything you have provided so far has been passed the statues of limitations so explain yourselves?
Consumer complaint received 2022-03-08
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: EQUIFAX, INC. (CA)

Equifax is in violation of the Fair Credit Reporting Act and they are damaging me daily. I have requested that Equifax ensure maximum possible accuracy of the information they compile in my consumer file and report about me in consumer reports. I have been disputing the same information that is not 100 % accurate since XX/XX/XXXX. When Equifax refused to delete the incorrect and incomplete information in my consumer file, I sent follow up dispute letters demanding deletion on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Because Equifax refused to delete information that I provided proof of inaccuracy, I sent evidence from the California XXXX of XXXX showing that companies did not exist in my state. I also requested a 609 full disclosure on my entire consumer file in writing since it appears that Equifax has information that I am not privy to that refutes my disputes. Equifax can not possibly validate and verify any information they are refusing to delete being that the alleged creditors do not exist. I have no recourse against any of the listed creditors as they do not have registered agents for me to serve legal process in California. Is Equifax conspiring against me with entities that are elusive to me? It appears that Equifax has some vested interest in continuing to damage me. 

Equifax has refused to send me the 609 full disclosure of my entire consumer file in writing within 15 days. I sent it to Equifax 's registered agent in California, so they can not say that they did not receive it. 

I demand deletion of the information listed below.
Consumer complaint received 2022-03-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (IL)

I have an XXXX account with Optum XXXX. On XX/XX/2021 I went to Optum website to pay my doctor bill. So, I created distribution from my account to my doctor. Optum deducted requested amount ( {$130.00} ) from my account but my doctor never received this money. Now after 4 months doctor office is sending me to the collection agency. In meantime I called a few times my XXXX bank to resolve this case and my bank is unable to provide me with any proof of payment. They can not find the check cashed by the doctor. They even don't know check number issued to the doctor. They also don't want to return this money back to my account. I got multiple promises to get some solution and nothing happened. Seems like they just play for time. Each time they are assigning different case number. After a few days I am receiving email with info that case is closed. My last, still open case number is : XXXX.
Consumer complaint received 2022-03-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (UNITED STATES MINOR OUTLYING ISLANDS)

I have been on forbearance since XX/XX/XXXX. In XXXX of XXXX I reached out as normal, to end forbearance. I was overly convinced to do a loan mod instead of my partial claim in XX/XX/XXXX. As thousands of other complaints about Loancare, their employees would say something different EVERY time I called. I was told I would be approved, then I was told I'd be denied. Never got sent the paperwork they said they sent from XX/XX/XXXX to XX/XX/XXXX. Finally contacted the XXXX  2nd week in XX/XX/XXXX, and told Loancare with the XXXX  that I don't want the mod. I had the partial claim paperwork that was emailed to me during XXXX involvement that same week notarized and sent out XX/XX/XXXX and WELL WITHIN the 15 day window and before the end of XX/XX/XXXX, THAT partial claim paperwork that was notarized and XXXX XXXX XXXX back, it was sent via email to me from the supervisor, XXXX, from the bankruptcy dept. Now out of my 4 year window of discharge from bankruptcy, I want to refinance and cash out for a better life for my son 's and I. I was told it may be 30 days from XX/XX/XXXX. 2 months later I CONTINUE to get the run around on my Partial claim. It was received in XXXX PRIORITY MAIL and Now that paperwork was NEVER processed, NO ANSWER why. The partial claim was approved PER THEM on XX/XX/XXXX yet again, no correct or current paperwork to get notorized, and idk if I will receive the right paperwork, with MORE calculations and MORE waiting for months before I can refinance. It's them holding customers hostages and making them end up losing their homes. 
They told the XXXX  they can't find wrong doing. It's all over the Internet what they are doing. They need to be shut down permanently. WHY ARE THEY NOT?? The man I talked to today, XXXX, said my mortgage payment was to be the figure that was to be mortgage payment under the modification!! I NEVER HAD THAT PAPERWORK NOTORIZED SO ITS FRAUDULENT. Completely FRAUDULENT. 
SO now, I'm filing a complaint here, the XXXX  again if needed, HUD, XXXX XXXX XXXX XXXX XXXX and anyone else I can find until I get the correct partial claim paperwork and have them quit " SENDING WRONG PAPERWORK OR NOT PROCESSING THE PAPERWORK I SEND so they can prolong the stress they put us under before they try to foreclose.
Consumer complaint received 2022-03-08
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: EQUIFAX, INC. (NC)

I found an inquiry on my current credit report that I did not authorize and have no knowledge of submitting. 

Creditor Name : XXXX Type of Business : Not Listed Date of inquiry : XX/XX/2021 Credit Bureau : Equifax Address : Not Listed
Consumer complaint received 2021-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

I first had a problem logging into my Chase business banking account on the XXXX of XXXX. A message appeared saying that I was locked out due to suspicious activity, and to call a number which I have tried several times. Each time, a recording said the wait time was longer than 50 minutes, no matter when I call. 

Meanwhile, automatic payments are being rejected, with each resulting in a {$34.00} fee. I can't stop them because I can't log in. This has resulted in several XXXX dollars of fees. I've had to stop depositing funds into this account because no matter what, Chase just takes my deposits for their own fees. 

I have not received any explanation as to what this suspicious activity was, nor an opportunity to review recent transactions.
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NJ)

Promotion for opening account included {$200.00} ( 20,000 points ) when you spend {$750.00} in the first 3 months. It also stated that the first {$500.00} will get 5X points and everything else will get 1X points. I spent {$3000.00} on the card in the first 3 months. I received the 20,000 points and then 3000 points ( 1X on dollar spent ). It should have been 20,000 points + 2500 points ( 5X first {$500.00} ) + 2500 points ( 1X remaining {$2500.00} ). I already received 23,000 points ( 1X on full {$3000.00} ). I made multiple attempts to remedy this with them, but it is always escalated to the rewards department, however, I never receive a response from them and the points are never updated properly.
Consumer complaint received 2019-04-18
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENOVA INTERNATIONAL, INC. (WI)

I emailed this company directly on XX/XX/2019 and I already told this company they may not call me or attempt to call me at my work number, yet they did just that on XX/XX/2019 at approximately XXXX a.m.
Consumer complaint received 2019-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

I have checked my credit report & notice they have been some accounts & collections on my report that I had no idea of, I do not recall National Credit Systems, XXXX XXXX, Natnl Credit or even XXXX XXXX XXXX, I have contact these companies multiple time s & even sent dispute letters with all 3 credit bureaus, I put a fraud lock on my report & Filed a FTC & Police report as well stating I'm a victim of identity theft & didn't authorize anything to these companies
Consumer complaint received 2019-03-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

We opened up a 5/3 business checking account based on a {$500.00} bonus offer. This was a targeted offer that was mailed to us. The offer code is XXXX XXXX XXXX XXXX XXXX. We opened the account at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - ( XXXX ) XXXX. The account was opened up by XXXX ( who helped us open the account ) along with the branch manager XXXX. We have met all the terms of the offer, but the bank has yet to make good on their deposit. We have spoken to both XXXX and XXXX multiple multiple times, and they have agreed that we have met all the terms of the offer. They have escalated this issue to Corporate for resolution, yet they have indicated they have had no response to their request from Corporate. It has been almost 5 months since we opened this account, over 3 months longer than was required for the bonus offer to be deposited to our account. I spoke to XXXX again this morning, and she indicated that she is again escalating this issue, but I'm filing this complaint because this is a branch manager of 5/3 who can't get a response from the very bank she works for on a resolution to this matter.
Consumer complaint received 2022-12-04
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. ()

I would like to ask for your help : On XX/XX/XXXX, my mother, XXXX XXXX, signed a reverse mortgage for {$77000.00}. Unfortunately, on XX/XX/XXXX, my mother suffered a severe XXXX and became unable to work. She was never able to use the {$77000.00} reverse mortgage. 


XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 
On XX/XX/XXXX, I received the following response, which I quote verbatim : " 'These funds were not sent to your mother 's bank account, but were used to pay off a mortgage loan with Champion Mortgage. 

My mother 's guardian made mortgage payments totaling {$350000.00} to XXXX. Included in this {$350000.00} was {$77000.00} although this amount was never used. 
Is this horror story because I, as my mother 's heir, am a XXXX  XXXX? 
Please help me. I have all the relevant documents in my possession.
Consumer complaint received 2021-10-18
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: MoneyLion Inc. (GA)

I recently reached out to you MoneyLion, to ask that they remove themselves from reporting to the credit bureaus on my behalf, since Ive paid them in full last year, and the account being closed. This is negatively reflected on my credit reports, and in doing so, I reached out to ask that they please remove themselves as a good faith effort, but I was told that they are required to report this information for an unknown length of time. At this point, they are not cooperating with removing themselves, and choose to continue to report this information monthly. This is preventing me from being able to acquire credit, and purchasing my home.
Consumer complaint received 2021-04-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

We have an FHA loan with Wells Fargo Home Mortgage ( WFHM ), which we refinanced with another mortgage company, XXXX, on XX/XX/XXXX, When XXXX requested the payoff amount, WFHM included an additional interest of {$1000.00} for the month of XXXX, even though we closed on XXXX. Per WFHM, FHA requires loans to close on the 1st of each month and because our closing was XX/XX/XXXX, they are charging an extra interest for the month of XXXX, even though loan was fully paid on XX/XX/XXXX. According to FHA regulations, payoff of loans with a note date on or before XX/XX/XXXX XXXX our loan is from XXXX XXXX, allows lenders to charge interest for the entire month regardless of loan closing date. HUD 4155.2 3.A.2.b-c also applies to this case. Our XX/XX/XXXX payoff did include a full month interest for XXXX, along with principal, and fee. Charging us an additional interest of {$1000.00} for the month of XXXX violates HUD and FHA regulations cited above. WHFM committed an ILLEGAL act by charging me XXXX 's interest after an XX/XX/XXXX payoff. I directly filed a written complaint with WFHM on XX/XX/XXXX but, as of yet, they have not provided a written or verbal resolution. I have also filed a complaint with the NJ Department of Banking and XXXX.
Consumer complaint received 2022-03-08
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: EQUIFAX, INC. (UT)

Equifax XXXX XXXX is in violation of the Fair Credit Reporting Act for refusing to have reasonable procedures in place to ensure maximum possible accuracy. I know my rights and I am being damaged by Equifax , Inc . 
1. Last week, I submitted CFPB Complaint # XXXX for the same reason I am submitting this one. 
2. Equifax XXXX XXXX chose to continue to harass me and refuse to delete inaccurate information from my consumer file and consumer reports, and refused to provide full XXXX disclosures as I have requested more than once. 
3. Equifax XXXX XXXX has chosen to respond by requesting my ID and utility bill that I already sent them back on XX/XX/2021. 

These are just stall tactics. I am being continuously damaged by Equifax XXXX XXXX and their violations of the Fair Credit Reporting Act. 

They are reporting and including information in my consumer file of entities that do not exist. There is no way for them investigate any information with a company that does not exist and that they have not provided me with contact information to contact myself. They are required to immediately and permanently delete every account that I have disputed, and provide the full XXXX disclosure in writing without further delay.
Consumer complaint received 2022-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (AK)

I have tried for several years to challenge a letter that XXXX XXXX XXXX has been sending for many years, claiming they I owe money to " Synchrony Bank XXXX ''. 
I have never had an account with any such company, and have made repeated attempts ( see attached ) asking them to verify the debt and demonstrate what services I signed up for that generated this action. 

I have even challenged this thru XXXX, but the answer I always received is " verified ''. 
XXXX XXXX refuses to tell me what the bill is for, and what services generated this debt? 

I have also circled the bottom of the recent XXXX XXXX form, telling me that the bill is past the statute to limitations.
Consumer complaint received 2019-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (DC)

Collection Agency Contact Information is Debt Collector : Hunter Warfield XXXX XXXX XXXX XXXX XXXX, Florida XXXX Dear FTC : This complaint is against Hunter Warfield Debt Collection Agency regarding a debt that they purchased from Residence at Congressional. 

Please note that I DO NOT OWE This Debt. My Security Deposit was taken for the {$130.00} that was owed and not {$790.00}. 

Hunter Warfield Collection Agency is deceptive by Adding this Debt that I do not owe to the Collection Agencies. Please note that I DO NOT owe this debt. 

Before I contact a Lawyer, I am contacting the FTC to assist me in making sure that Hunter Warfield remove this Negative Information from my Credit Report and Refrain from Contacting me, because I do not owe this debt. 

This apartment complex was given 90 ( 3 months ) notice indicating that I would not renew my lease in 2017. They were also given written notice that I would be vacating 3 days earlier during the month and that they should use my security deposit to cover those 3 days which they have used and never returned to me. 

That being said, please assist me as a consumer by having HUNTER WARFIELD CEASE AND DISIST. 

My next steps to secure legal counsel and sue Hunter Warfield for damages if I loose my security clearance. 

Thank you for all your assistance. 

Regards, XXXX XXXX
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

XXXX XXXX XXXXXXXX and Equifax are showing multiple late payments on my student loans in XXXX and XXXX of 2017. All three of my student loans have been In Forebearance since XXXX of 2017 and no payments have been required ; therefore, it is impossible for me to have been late.
Consumer complaint received 2022-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (GA)

Acima has placed a collection on my credit which they have charged off. I never went through this company to receive any loan or whatever it was used for. This is a fraudulent charge that was accumulated sometime in the early part of XXXX. I have tried to dispute this account twice with no changes so Im going as far as I can to have this removed. My XXXX  account was flagged in XXXX for fraud due to this account.
Consumer complaint received 2022-03-07
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. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (WA)

On XX/XX/XXXX I received an email from Barclays regarding my XXXXXXXX XXXX  XXXX XXXX offering a reduced interest rate through XX/XX/XXXX. 

I accepted the offer. 

I later received a letter dated XX/XX/XXXX referencing credit review date of XX/XX/XXXX advising that my credit limit was being reduced to about have of the limit that it had been for several years. 

Between the offer date of XX/XX/XXXX and XX/XX/XXXX, to my knowledge, there were no changes to my credit report that would have had a negative review. I use several credit monitoring systems and between that time period the provide scores from these services stayed the same or increased. 

I believe this was an Unfair Deceptive Abusive Act or Practice. From the marketing material I received I had no reason to believe that there would be changes to the XXXX account other than the reduction of the interest rate. 

So far I have experienced the following damages due to the reduced credit limit including payments declined and my bank card utilization to increase above 30 % resulting in reduced credit scores. 

After XX/XX/XXXX but before I received the notice of the reduced credit limit I was applying for a residential loan. This reduction in credit limit may cause me additional damage of not being eligible for the loan I have been preapproved for as well as additional damages.
Consumer complaint received 2022-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc ()

On the XXXX of XX/XX/XXXX PayPal permanently limited my account for 180 days which I have been serving, expected to elapse on XXXX XX/XX/XXXX and have my funds ready for withdrawal. But on the XXXX of XX/XX/XXXX I logged into my account only to discover that my balance has been cleared by PayPal on the XXXX of XXXX over what the tagged 'Damages on Acceptable User Policy ''. 
I have contacted them through mails and calls and recently chatted their contact support up via XXXX to explain which policy I violated after my account has been dormant for months due to limitations placed on it by them, but the could not give me a positive response from any of the medium. Instead the keep shying away from questions of which policy that was violated. 
This is an unfair treatment being melted at me. 
I have gone back to these so called 'Acceptable User Policy ' severally and can't find which policy I violated because I have being transparent with my dealings with them over the years. 

These brought me here to seek help and justice recover my funds in the amount of {$1700.00}.