davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-04
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AFNI INC. (CA)

I DO NOT HAVE ANY DEBT. PEOPLE FROM THE NUMBER XXXX ARE LEAVING DAILY MESSAGES WITHOUT ANY DETAILS ASKING TO CALL THEM BACK TO DISCUSS A DEBT SITUATION. 
I TRIED TO REPORT THEM A SCAMMERS, BUT THE GOVERMENT AGENCY IN CHARGE OF THAT TYPE OF CALLS SAID THAT I CAN NOT DO ANYTHING. 
PLEASE HELP!!!
Consumer complaint received 2018-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NY)

I Wrote a letter to the ERC Group disputing the validity of this debt, a year ago. When they failed verify this debt, I assumed it was dissolved. But now a year letter they are calling me repeatedly & sending threatening collection letters. Calling me at obscene hours etc ; claiming I owe them $ XXXXon account # XXXX, XXXX XXXX XXXX . Their assigned reference # XXXX to me. I do not owe this alleged debt. I would like you to have them cease & desist.
Consumer complaint received 2017-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

Hunter Warfield has been notified approximately ( 5 ) times since XX/XX/XXXX that a debt that they are reporting against my name and social security number are fraudulent. I have had to dispute this with them now ( 5 ) times and have also completed a fraud affidavit that they sent me to complete, but they continue to reinsert the same fraudulent information into my credit report each year. Every time I resolve this matter with them and go through all of the steps to have this fraudulent account removed from my credit repot they continue to re-report and re-insert it into my credit files, and they know that they are doing this fraudulently, but they have no regard for the law. <P/>I never lived at the XXXX XXXX XXXX, and I never even stepped foot in the place and never submitted an application to that property, and this was opened as a result of identity theft. Not only have I been through this ( 5 ) times with Hunter Warfield and even submitted a police report they continue to try to blackmail me by reinserting this fraudulent account into my credit file hoping they can force me to pay it. <P/>This is a fraudulent account and is in no way associated with me, other than my stolen information was used to open the account. At this point I should be suing Hunter Warfield for defamation of character and exortion, but I have not as of yet. <P/>HUNTER WARFIELD, INC Agency Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Rental/Leasing Original Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. Original Amount Owned : {$1800.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$2200.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Consumer disputes this account information
Consumer complaint received 2018-11-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (GA)

I have attempted to exercise my equity on my student loans by requesting my original instrument of indebtedness from Navient. I sent written requests for my two separate loans on XX/XX/2018 and it was received by them on XX/XX/2018. I did not receive any correspondence from Navient. I then made a SECOND written request on XX/XX/2018 which was received on XX/XX/2018. I did not receive any written response from them. 

I have provided for them my current address and contact information in writing and I have changed my information online in their database as well.
Consumer complaint received 2018-01-25
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. (IL)

This letter is being sent to you in response to a notice sent to me on XXXX-18 in response to a listing on my credit under XXXX XXXX XXXX XXXX " XXXX ''. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( Equifax, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 

This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. The investigation was shown as verified and there was no information sent to me at all, so how could it possibly be verified? No contracts or signed documents were sent to me at all. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Best Regards, XXXX XXXX
Consumer complaint received 2018-11-04
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: Credit Karma (TX)

XX/XX/2018 @ XXXX Made a call to XXXX XXXX which claims they have no record of the inquiry company, XXXX XXXX is an outsourced call center, Credit Karma is automated and I can not get the assistance I need.
Consumer complaint received 2019-01-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (MN)

I opened a USBank checking account because I received a personal invitation through email that they are offering {$200.00} bonus if I open by XX/XX/18 and do what is stated in the email ( such as Direct Deposit etc. ). It has a unique offer code, and non-transferrable, which means it is specifically for the email recipient ( me ). Please see attachment. I did so, but till today, I still have not received the bonus. I contacted, and the agent said I was not qualified because I had a checking account before. Then my question is why they sent me the email in the first place knowing I already had a checking account ( which was already closed months before I received the invitation ).
Consumer complaint received 2019-01-24
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)

Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 2 accounts reporting to Equifax which are fraudulent & I'D like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
Consumer complaint received 2018-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Back in XX/XX/XXXX I had sent in a complaint ( # XXXX-XXXX  ), and I thought it had been resolved but it has not. All I want to do is go back to my original monthly house mortgage payment of {$1900.00} and then pay my own property tax payment. Wells Fargo paid my XX/XX/XXXX property taxes, which I want to repay them back for but not the additional 30 % profit amount they want to charge me. Also the escrow account I still don't understand how after 23 years all of a sudden it pop 's up?! 
I just want Wells Fargo to allow me to go back to my original monthly payments and they now want to add a percentage more. They are trying to suddenly make an additional amount of money off my home mortgage which I will not pay. I am so sick and tired of them jacking me around on this. I have always paid my mortgage on time each month. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-01-21
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (PA)

According to PA law, " The Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. ( 42 Pa. C.S. 5525 ( a ) ) As a practical matter, the Statute covers most types of debt, including credit cards, medical bills, personal loans, etc. '' The Statute applies to most private student loans ( not government or government-backed loans ) is the four-year Statute of Limitations applies to Private Student Loans.

It has been expired a long time ago but post on my credit report recently.

Also, they have post the wrong information incorrectly and it should be removed the incorrect information from my credit report.
Consumer complaint received 2019-01-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

I applied for a mortgage through LoanDepot Direct/Online, went house hunting, found a house, made an offer, got accepted and locked down the loan with them. They stated the appraisal needed to be paid upfront ( {$490.00} ) and wouldn't be performed until I gave the go-ahead. I had the property inspections and decided not to proceed/cancelled escrow. I notified LoanDepot the same day I cancelled to not perform the appraisal and they acknowledged. A few days later I received an email with results of the appraisal being performed. LoanDepot guaranteed the full appraisal cost would be refunded because of a breakdown in communication where the local appraiser was not notified to cancel in time. Believing I would be refunded, I continued to look at houses. 
I found another house, submitted an offer, got accepted and went into escrow. Before paying the appraisal fee upfront ( {$420.00} this time ) and locking the loan, I asked the LoanDepot agent to CONFIRM that appraisal would not be performed until I gave the go ahead and he assured me it wouldn't happen again. Same scenario as the first time. I performed inspections, backed out of escrow and notified LD agent to cancel and CONFIRM the appraisal wouldn't happen. I then get another email a few days after cancelling escrow that appraisal has been performed again. 
Numerous emails, phone calls, voicemails and weeks later, I got fed up and opened 2 claims with the credit card company I had used to pay for the appraisals upfront. 
On the first claim, LD then refunded {$340.00} and the credit card insurance covered the rest for a total of {$490.00}. 
I just got notice yesterday that the second claim was rejected because they had already paid {$340.00} on it ( this was from the first claim ). It's been about 3+ months since the original transactions. 
I'm hoping this is a mix-up but I doubt it the way that LoanDepot ignored my contacts. I'm reaching out to my credit card company to see if I can fight this resolution. 
If anyone can help me I'd appreciate it! I have email and voicemail proof to back up my claim.
Consumer complaint received 2019-01-19
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)

On XX/XX/XXXX I requested a Fraud Alert be placed on my credit reports to prevent any further unauthorized/fraudulent activity. 

On XX/XX/XXXX I paid {$17.00} for a certified letter to Equifax containing a signed and notarized letter regarding the fraudulent/invalid information on my credit report. The certified documents were : signed and notarized, a federal trade commission identity theft affidavit and my drivers license. 

On XX/XX/XXXX I received confirmation that Equifax received my certified letter and it's contents. 

As of XX/XX/XXXX, I paid the credit monitoring website, XXXX, a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Equifax is still on my credit report. There are fraudulent/invalid addresses and an inquiry which are not mine and did not give permission to anyone as well. 

I have lived at my current residence in XXXX, Ca for over 10 years ( Since XX/XX/XXXX ) and I have never lived out of state. 

In compliance with the Fair Credit Reporting Act, Section 611, the credit bureau Equifax has 30 days to review and remove my ( consumer ) complaint. It has been 120 days with no solution or response and now I am submitting a request for help with the Consumer Finance Protection Bureau to resolve this matter as soon as possible.
Consumer complaint received 2018-04-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I Had a loan through XXXX for several years. In XX/XX/XXXX I was notified that my loans were being transferred to navient. I had always paid my loan on time with XXXX. I saw on XXXX that the loan was transferred to navient XX/XX/XXXX. The transfer was complete on XX/XX/XXXX for a total of {$4500.00} ( interest rate 3.78 % ). I received a letter dated XX/XX/XXXX that the transfer was complete. I registered with navient online XX/XX/XXXX. I saw online the first payment of {$33.00} is due XX/XX/XXXX ( I have not received a bill yet ). Upon logging on I received a message that my loan was past due and I had been charged a late fee FXX/XX/XXXX ( prior to the loan being with navient ). I called customer service and spoke with XXXX in private loans who states this is for a XXXX payment however this is not the information reported online. She refused to listen to me that it was telling me I had a late fee erroneously applied to my account. This company is fradulently charging me a late fee prior to them even receiving my loan, please help.
Consumer complaint received 2019-02-11
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: JPMORGAN CHASE & CO. (NV)

Chase bank advertises several credit cards offering rewards mileage promotions. They unceasingly target and lure the customer. 

Then the cards take several hours over several days or weeks to obtain with unceasing and repetitive questions about credit or your address or other info, that is submitted to chase 6 or 7 times to even obtain the card. This has required hours in person at the bank, online, and on the phone- they want to torture you before issuing the rewards earning credit cards. 

Now with the cards in hand, I have ''rewards points '' I am trying to redeem for air travel. For the past 3 days chase.com has given several error messages and will not redeem any rewards points ''please try again later ''. Meanwhile, the ticket prices go higher and higher. 

On phone today, the chase agent was incompetent, lethargic and abusive and could not process the request timely. She said she has no record of any attempt, another defect in chase.com rewards system, if so. 

THUS, I was lured into wasting hours of my time to obtain the credit cards which earn air mileage rewards. Now, I can not redeem without wasting another five or six hours. 

The whole thing by chase.com is a XXXX of the public with the sky mileage scheme, they never intend to allow redemptions or will allow only with many hours of effort by the consumer. This is consumer fraud.
Consumer complaint received 2019-07-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (IA)

I received a notice from IC Systems about a bill for XXXX for what I found out was a modem that I had from their company. I called XXXX and spoke to Supervisor in Collections, explained to her that I didn't have the modem any longer, the tech came out to upgrade my services and told me to throw away the modem as they no longer use this model its outdated. This bill is NOT valid as the XXXX tech to me to get rid of the modem as its not compatible with their service anymore. Why would I keep a modem that I cant use? Makes zero sense to me.
Consumer complaint received 2019-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (VA)

To whom it may concern : On XX/XX/2019 I entered the CHASE Bank at XXXX XXXX XXXX, XXXX VA, intending to deposit a sum of {$6000.00}. In the past I had always given the bank associated my cash deposit and it was counted manually, after which I was given a receipt. This time the bank associated urged me to make the deposit using an ATM machine, unlike the previous times. The clerk showed me how to deposit the money in the machine. The receipt I received from the machine credited my account with only {$3000.00}. The bank manager said there was no way to recount the money and I would have to rely on the banks accounting at the end of the day to correct the error. 

The next day my account was credited with the missing {$3000.00}, but then I received a letter on XX/XX/XXXX, nearly a month later, declaring that the bank admitted to a miscount of only {$400.00}. I have complained several times at various levels and the bank refuses to admit their mistake. 

This is outrageous. I had to deposit my money in a machine that the bank admits makes mistakes, and accept their word for correctly accounting for what they have done, whereas they will not accept my word for the amount I brought to the bank. I handle cash every day in my business, as I am a state employee of the Commonwealth of Virginia, and have been a Store Manager for  The Department of Alcoholic Beverage Control ( ABC ) for 18 years. I know how to manage and count cash. I would like the remaining {$2500.00} returned to my bank account. 

I attach my original complaint letter to the CHASE bank, and copies of two letters from the bank, one apparently admitting their mistake and the other changing their conclusion. 

I would greatly appreciate your agency helping me settle this bank matter as soon as possible. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2019-07-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ECMC GROUP, INC. (VA)

All of a sudden my XXXX  check has been garnished.. when i called Social Security they said it had to do with the Dept of Education.. when i called them I got the number of a collection agency. This collection agency somehow was able to get a judgement against me even though they have been sending mail to address I havent lived at since XX/XX/XXXX. 

They had no idea I moved to Virginia in XX/XX/XXXXthey bought the debt in XX/XX/XXXXfrom a company that went bankrupt yet somehow they were able to garnish my XXXX  check. 

Its not my debt, they did not contact me and the 1st I hear of this is when my XXXX  check is being garnished.. this cant be legal the company is ECMC Corp
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (CA)

Credit limit is {$5500.00}. 3 years ago I went to {$5500.00}. So {$85.00} over and they slam my credit within 2 weeks. I hastily pay it in full and it will not come off my credit. I opened a dispute and called Wells Fargo. I cant even rent a house because of this issue! Not professional.