davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-07
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: CURO Intermediate Holdings (CA)

Received notice from XXXX managment and paid {$310.00} for old debt for spouse to remove from credit report so we can purchase a home. They sent the attached letter. They stated they have the debt from XXXX XXXX XXXX who had the debt originally before I found out about it. XXXX is still reporting this debt on both credit reports despite numerous attempts to get them to remove it since the debt was paid in full. 

Either XXXX is a scam and collected on a debt that they did not have access to, or XXXX is refusing to accept the fact that someone else collected on the debt since they would not. The original Creditor was speedy Cash.
Consumer complaint received 2015-08-12
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (NY)

Please review complaint number XXXX XXXX and this is a 2nd complaint on Chase Manhattan Bank. No phone call responses at all from them. 
I spoke to XXXX at CFPB on XX/XX/2015 to the response that Chase gave. It is all untrue as see it. 
Chase said they gave me this promissory note the day I opened the loan. False never did. This is not given to the consumer till the loan is paid off. 
They are not reading my first complaint very carefully. Dodging the real facts. The girl they stated did not make a mistake. False, she would not give me any papers. Said the keep everything. I did not agreed to that note for, XXXX, I never seen. 
Again, they did not read the first complaint paper I wrote. Again dodging the facts. 
If Chase does n't make mistakes that needs to be looked into. 
Then I asked for a calculation on how the loan amount is figured out. 
Again, they dodged by not explaining in a breakdown, because there is an error. 
Then to explain I never put something extra in the loan to increase it. 
Again they created something for they are avoiding the fact. 
Nothing they have wrote is matching m letter or even to provided an explanation to all the paper work that I have provided CFPB. That PROMISSARY NOTE was accidently given to me by Chase bank in XXXX, N.Y. when they called corporate and corporate accidently gave it to them. No one sees this till the loan is finish. That 's when I noticed an xas annually, not fixed. They are not following anything under their supposedly guide linesby giving me XXXX different rates, XXXX different amounts, and XXXX different pay off time. Al these papers I sent from are from Chase. 
They are dodging from the real mistake they did and truth. 
Everyone makes mistakes Chase, and the are changing all the wording around. And Facts. 
I do advise that no one should open a loan with Chase who has hidden all this from a consumer. I was taking for a ride. They have n't answered anything in regards to my complaint. MMMMMMMM? 
Asked that Consumer Finance do research this deeper. by reviewing my documentsand their response more carefully. 
Regards XXXX
Consumer complaint received 2016-03-25
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC. (MD)

I had fraudulent activity on my checking account for which my bank continually hit me with overdraft fees. Right around XXXX, in a moment of desperation, I signed up with CASHNET XXXX. Since my bank account went underwater, they have been sending me notices with all different amounts due on them. Every phone call I receive quotes a different balance due. I do n't know what to do.
Consumer complaint received 2015-09-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (CA)

I pay my mortgage via autopay every month on the XXXX. XXXX XXXX XXXX showed that it was paid on XXXX/XXXX/15. Caliber did not credit my account until XXXX/XXXX/15. Late charge is accessed in addition to continual harassment of calls and letters demanding payment they already got.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing this letter to dispute the following account that was removed from my XXXX report but still remains on my other credit reports XXXX and Experian : XXXX XXXX, XXXX XXXX Account # : XXXX These collection agencies are both in violation of 15 USC 1692g as well as FCRA1681, Section 609. Section 610, Section 611. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt by law it is required for me to do so not verified as your company keeps stating. I do not validate this debt. I must be given the original contract with my signature on it. Therefore, the following account must be deleted from my report as required by law. Failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This company has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 C & 1099A from the accounts that has been charged off. ( 1099 OID ) The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud. The company Experian are supposed to show proof of this account being verified which is required by law. According to 1681 ( i ) a the law states that before your investigation is completed the item in dispute must be deleted for my report. The item was never deleted before the investigation is complete.
Consumer complaint received 2017-02-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (FL)

I have spoken with this collector and explain the situation and I am making payments. They are calling more than 10 times a day never leave a message and do this eveyday. Some days less some days more. I understand I owe money but as explained to the company I am making payments as I have money. The calls are really an harassment at this point. I could not download my call list for you but I can provide the information if needed
Consumer complaint received 2016-01-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (CA)

Please explain what this corporate advance in the amount of {$130000.00} is for. 
Looks as though XXXX tried to shove the XXXX loan into the XXXX Trust on XXXX/XXXX/XXXX before the XXXX cut off date. XXXX never owned the XXXX loan, XXXX only acquired the right to service the XXXX loan. Then Caliber returns the loan back to XXXX on XXXX/XXXX/XXXX, 2 days before the loan was allegedly sold to the XXXX Trust? Please explain this back room deal in detail. The print out from my XXXX online mortgage transaction history shows the corporate advance. The Detailed Account History from XXXX is attached that was provided in response to my CFBP complaint in XXXX XXXX against XXXX for fabricated documents used to illegally purport ownership of my home. On this account history the corporate advance information was omitted. What are XXXX and Caliber trying to hide? The fact that they are working together to steal my home. 

XXXX/XXXX/XXXX ( XXXX ) XXXX/XXXX/XXXX - XXXX The XXXX Trust closed in XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX ( XXXX ) Looks like the XXXX XXXX was returned to XXXX XXXX allegedly sold the XXXX XXXX to Caliber on XXXX/XXXX/XXXX.
Consumer complaint received 2015-05-19
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Home Mortgage , Inc. was negligent with regard to the processing of my loan papers for a re-fi of the mortgage on my condominium. They dragged their feet for approximately 2 months with regard to processing the required paperwork and requesting the information needed to underwrite the loan. My loan officer never advised me there was a limitation on the days the agreed upon loan rate was locked in while Wells Fargo processed the loan. Late in the day on XXXX/XXXX/24, the day before the beginning of the long XXXX holiday weekend, for the XXXX time, my loan officer, called and advised that if I did not immediately agree pay approximately {$250.00}, I would have to start the agonizing paperwork submissions from the beginning and loose my locked loan rate. I had no choice but to pay the money. I am seeking recovery of the {$240.00} that I incurred as a result of Wells Fargo 's failure to process my loan papers in a reasonable manner as well as Wells Fargo 's failure to give me adequate notice that I was going to loose my loan lock rate as a result of that failure.
Consumer complaint received 2023-07-27
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: Experian Information Solutions Inc. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX  2. XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2015-11-03
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO. (CA)

Listed price on the window $ XXXXThis is Range Rover 2014. 
Lease is for 48 monthsMonthly payments $ XXXXResidual value after 48 months on contract is {$38000.00}. 
24 months have gone byso question is if I pay {$1600.00} for 48 months is equal to {$81000.00}. 
Almost paying off the car. 
The lease deal is not at all right, Monthly should not be between $ XXXX based on my previous lease experience. On checking back with the dealer, I was told that I have already signed the agreement.
Consumer complaint received 2015-08-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: WELLS FARGO & COMPANY (NM)

On or about XXXX/XXXX/2015, I telephoned a " Payment Assistance Specialist '' at Wells Fargo. I was told I can not receive any further forbearances and I must pay by XXXX XXXX, 2015. This person was trying to see if my being in " XXXX XXXX '' may help get an in-school deferment, but she thought not. This person offered no information about getting another servicer or modifying the loan. It seems, Wells Fargo wants me to default on the loans! XXXX XXXX University XXXX XXXX XXXX, XXXX, VA XXXX
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (NC)

On XX/XX/2020, I logged into my Brinks Money prepaid account and found that I have been charged a " Signature Purchase Transaction Fee '' of {$1.00} each time I had a recurring charge posted to my account since XX/XX/2020 which totaled {$110.00} in fees. I have the " Pay as you go '' plan which means you are charged that fee for every " Signature purchase '' ( which is a purchase that is signed for ) or a PIN purchase ( a purchase that a PIN has been entered ). According to Brink 's terms, my purchases were neither signed for nor a PIN was used. 

In an effort to resolve this issue, I called Brink 's and explained the aforementioned, however, the agent insisted that the charges were " considered '' signature purchases ( even though I explained multiple times that there was no signature used for the purchases ), they were recurring purchases.
Consumer complaint received 2015-10-27
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CA)

This is my 3rd letter sent to Chase Bank, all by certified mail of requesting that you remove inaccurate information from my file or prove that it belongs to me. 

Below is both my letter to Chase Bank sent on XXXX XXXX, 2015 and my complaint to the CFPB about the reckless Banking Behavior on Chase Banks ' part. 
Please see attached documentation all sent via certified mail to chase bank. 
TO CHASE : On XX/XX/2015 You received a XXXX demand letter, this was sent certified mail XXXX that was signed for by your company. As of today you have failed to provide me with the proof I have lawfully requested. since you have not supplied the demanded proof of the account, under the doctrine of estoppel by silence, XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the all alleged account, nor therefore any such account, in fact exists. 

I 'm sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair And Accurate Reporting Act as well as the multiple violations your company is now responsible for. If not, let me point them out for you. 









FCRADamages for a Willful ViolationIf you can show that the credit reporting agency information furnisher, or entity using the information willfully violated its obligations under the FCRA, then you may be entitled to recover up to all of the following damages : Basic Damages-actual ( provable ) damages ( no limit ), or-statutory damages damages between {$100.00} and $ XXXXyour actual, provable damages ( no limit ), or {$1000.00} flat ( no minimum ). 
Punitive damages, as decided by the court. 
Attorneys fees and costs. 
Definition of " Willful '' A willful violation does n't just mean that you have to prove that the entity actually knew that it violated your rights. Rather, it is enough to prove that it was acting recklessly -- that is, the entity knew or should have known that it was running afoul of the FCRA. 
Damages for a Negligent ViolationYou are also entitled to damages if you can show that the entity negligently failed to comply with its obligations under the FCRA. Damages here include : actual damages ( no set limit or minimum ), andattorneys fees and costs. 


As Per The Fair And Accurate Reporting Act : 813. Civil liability [ 15 USC 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}
Consumer complaint received 2017-03-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

I have no idea who this company is, and why they are trying to get {$1100.00} from me, when I try to communicate with them, I am put on hold for over hours, or call is disconnected, or even I am told someone will get back to me. I have been on XXXX since XX/XX/2010, the kind that all of my medical debts are paid, I have told them either they have the wrong person, or someone used my name. they refuse to give me any information, and they keep putting this on my credit report every few months, which gives a negative reaction to my score. This has to stop.
Consumer complaint received 2020-06-09
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. (MI)

I sent information to Experian, disputing an erroneous claim by a collection agency representing XXXX for an alleged unpaid bill. I sent to Experian extensive documentation of my cancellation of the account, the reasons/proof behind the cancellation, and my extensive follow-up after I became aware of an issue. Its " investigation '' was apparently to confirm with the collection agency that the debt was valid. They have no proof or documentation that I did not cancel or agreed to continued insurance beyond the date for which I had paid. So, this was not a real investigation. Also, the collection agency has no judgment or other proof : they are just reporting false information ( submitted under another complaint. ) I requested a property insurance policy through XXXX  in XX/XX/2019, as a requirement for a HELOC application. I signed up for auto payment. I enrolled in the plan through the phone and internet. All of my documents, signature pages and payments were electronic. 

In XX/XX/2019, a title issue with the property blocked the HELOC from moving forward ; I had been approved, but could not get funded as a result. I therefore notified XXXX  in writing that I was cancelling the policy, since I had only added it to comply with the loan requirement. No auto payment was taken thereafter and I received no correspondence on the matter, so I had every reason to assume the policy had been cancelled as directed. 

In fall 2019, I became aware of a derogatory credit entry. It stemmed from XXXX 's claim that I owed 2 months premium for the policy which it did not cancel until XX/XX/2019. I contacted them immediately and described my cancellation. I was given several false answers and information, stating that XXXX did not accept written cancellation ( it's the law ), that it never received mine, that there were other reasons my auto payments had been stopped and also that all correspondence had been sent to the property address by mail, even though my account was completely e-notice AND it was an investment property occupied by tenants. XXXX also did not offer a landlord policy. When I provided all of my documentation, they stated that they would only " backdate '' my cancellation if I could show proof of another policy, which is completely irrelevant. The property remains uninsured and wasn't insured prior to the policy with XXXX, so that is a completely made-up requirement. 

The insurance company is XXXX and the collection agency is XXXX XXXX XXXX.
Consumer complaint received 2017-01-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have a a unverified account from PORTFOLIO RECOVERY # XXXX, # XXXX # XXXX, # XXXX, # XXXX # XXXX, # XXXX, # XXXX, # XXXX. I had previously disputed this account. I have never done business with PORTFOLIO RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, If PORTFOLIO RECOVERY think I owe the a debt then send it to me in writing. I dispute the validity of the debt purport I owe. I request that PORTFOLIO RECOVERY Provide verification of the following : 1. ) Original date of default and collection activity begin 2. ). Whether you purchased the debt, and if so, the amount paid for the debt 3. ) The date ( s ) the debt allegedly accrued ; 4. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PORTFOLIO RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt. Do not ever call my phone XXXX if I ever gave permission in the past I am revoking it.