davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2024-08-07
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. (NY)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-08-01
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (FL)

I am writing to formally lodge a complaint against Hunter Warfield Inc. for their failure to adhere to the legal requirements set forth in various federal regulations and consumer protection laws. I believe that Hunter Warfield Inc. has engaged in improper debt collection practices, which have adversely affected my consumer rights.

Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : Hunter Warfield Inc. has not provided me with the necessary validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection on my consumer report, which has negatively impacted my credit score and financial standing.

Denial of the Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been given the opportunity to dispute the account in question in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of my right to dispute the debt has further exacerbated the situation and has left me without a clear avenue to address the inaccuracies.

Use of False, Misleading, and Deceptive Practices : Hunter Warfield Inc. has violated my consumer rights by using false, misleading, and deceptive means in their collection efforts. Their tactics have caused undue stress and confusion, and I believe they are not acting in good faith.

Unauthorized Furnishing of Information to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) : The collection agency has furnished information about the alleged debt to consumer reporting agencies without providing me with any and all disclosures required by law. This action is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ).

In addition to the above complaints, I am formally disputing any and all debts that Hunter Warfield Inc. claims I owe. I hereby revoke all rights for Hunter Warfield Inc. to communicate with me through email, text, or phone calls. All future correspondence must be conducted in writing via postal mail.

Furthermore, I request that Hunter Warfield Inc. provide the following : A copy of the purchase agreement between them and the original creditor. 
Proof that they are licensed and bonded to operate as a collection agency in the state of Florida. 
Given these violations, I respectfully request that the Consumer Financial Protection Bureau investigate Hunter Warfield Inc. 's practices and take appropriate action to ensure they comply with federal laws and regulations. Additionally, I seek the removal of the incorrect collection entry from my consumer report and any other remedies that the CFPB deems necessary to rectify this situation.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint. 

as of XX/XX/24 Hunter Warfield is not licensed in the state of florida which makes practicing debt collection illegal. Resource : XXXX XXXX XXXX
Consumer complaint received 2024-08-07
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. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (MO)

XXXX  XXXX released a statement saying a partner ( Synapse financial or something ) went bankrupt back in XXXX. Since then, I have not been able to access my funds in that checking account. They claim in their website they're working on getting it restored but it seems like it shouldn't take this long to access my funds when the bank was FDIC insured ( at least they claimed to be ).
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I received an email from XXXX on XXXX that my federal student loans were forgiven in full under the XXXX XXXX XXXX XXXX because my students loans have been in repayment of atleast 20 - 25 years. However, the full balance is still showing on my credit reports at XXXX, XXXX and Experian.
Consumer complaint received 2024-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MO)

Since XXXX XXXX XXXX XXXX then, XXXX XXXX XXXX have ignored All written, telephone, communication through attorney. The loan has been paid in full and since that time we have tried voluminous times to get XXXX XXXX to communicate. The only time that they have communicated is responding to cfpb complaints. 

XXXX XXXX has responded to CFPB complaints but it appears that they are intentionally sending wrong information and information that they can hide the information that we are actually looking for. 

XXXX XXXX each year Provides an annual escrow account disclosure statement and account history year by year. XX/XX/XXXX to XX/XX/XXXX. We now need in order to confirm an approximate XXXX to XXXX dollar escrow amount that is outstanding and due to us. We need a disclosure statement for escrow account from XX/XX/XXXX through XXXX of which they have failed to provide at that time. A copy of this statement has been attached so there is no misunderstanding as to what we demand they send.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

I am writing to formally dispute a recent decrease in my credit score by XXXX points, which I noticed on my latest credit report. This sudden drop is perplexing and concerning, as I have consistently made all my payments on time with all my creditors. 

To provide some context, my payment history has been impeccable, with no missed or late payments. I regularly monitor my credit report and ensure that all financial obligations are met promptly. Given this diligence, the recent decline in my credit score is both unexpected and unjustified.

I kindly request a thorough investigation into this matter to identify and rectify any errors that may have caused this decrease. Please provide a detailed explanation for this change and take the necessary steps to correct my credit score if an error is found. 

Enclosed are copies of my recent credit report and payment records for your reference. I appreciate your prompt attention to this issue and look forward to a swift resolution. 

Thank you for your cooperation. 

Sincerely,
Consumer complaint received 2024-07-24
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION (CA)

What happened : I have a prepaid payroll card from comdata XXXX and was scammed off a card previously but right when I was close to getting my first refund I I was scammed again but this time on the new card comdata sent out and I was denied twice for all three transactions. They were late night on XX/XX/year> for XXXXXXXX XXXX and XXXXXXXX XXXX both atm withdrawals in XXXX. Then early morning next day on XX/XX/year> at a XXXX XXXX for XXXX XXXX I tried asking for specific reasoning therefor I can help fix it or verify the situation so I could get my money back but they just keep saying you have been denied due to lack of evidence to support ur claim even tho I got proof pretty much all in my phone I was in another city that same day even on my card purchase log you can also see me in another city I tried my best emailing the fraud team they just send me automated robot message its almost XXXX all together I need to talk to humans they just pretty much told me Ima have to sue them basically I told them soon I will be hiring attorney and sueing for a lot more if they cant tell me specifically so I can try to fix or help you guys fix the issue I emailed n called them for almost 2 months and have got no progress. Thats a whole month of rent im not rich this whole thing is very stressful. Left some documents for you to see below
Consumer complaint received 2024-07-27
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BlueChip Financial (TX)

XXXX XXXX XXXX ( debt collector ), sent my boyfriend an email with my name, and statement of a debt owed to Spotloan. I never applied for a loan nor received a loan from this company. My boyfriend was told via phone ( contacted them after receiving this ), that I was being sued for an outstanding debt to Spotloan and that they sent the documents to my HR dept. Where I work. My boyfriend set up a payment plan and paid {$210.00}.
Consumer complaint received 2024-07-27
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC. (SC)

RE : Adverse Action Dear XXXX XXXX, The consumer and natural person was denied credit by NETCREDIT. The consumer/natural person DID NOT apply for credit on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX FIRST AND FOREMOST, The Consumer did not apply for credit!!! Secondly, Adverse Action against a consumer is AGAINST THE LAW, according to the Equal Credit Opportunity Action ; which is codified in 15 U.S.C 1691 ( c ) and 15 U.S.C. 1962 ( k ). You are subject to be criminally liability for the enclosed violation. I have proof that I am being discriminated against by NetCredit by way of proof provide by Net Credit multiple responses of denial of credit.

Regardless of the reason for being denied, I assert my rights to fair access to credit. Withholding my access to my securities is a form of Securities Fraud. This action violates both the Equal credit Opportunity Act and the Consumer Credit Protection Act. Furthermore, because of my Social Security Number/ ( Credit Card ) has been used on multiple occasions and I received NO benefit on those multiple occasions. This is proof of Fraudulent activity ( unauthorized use of credit card ) on behalf of NetCredit under 15 U.S.C 1602 ( p ) { unauthorized use of a credit card ]. 

If NetCredit fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card. I will indeed make NETCREDIT criminally and civilly liable for all actual ( $ 1,000.00/per violation ), Thank-you, XXXX/Agent /Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved 1-308.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$480000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00}
Consumer complaint received 2024-07-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (NC)

I attempted multiple times toto get them to give e the information. It keeps being on my report and they have not provided the information I am writing to formally dispute the collection accountXXXX on my credit report. I believe my rights as a consumer have been violated under multiple sections of the U.S. Code and applicable federal laws. Specifically, the following statutes have been breached : 15 U.S. Code 1681i - Procedure in case of disputed accuracy : I have previously disputed this information, and the credit reporting agency has failed to conduct a proper reinvestigation as required by law.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies : The creditor has reported inaccurate and unverifiable information, which they have not corrected despite my disputes. 
My rights are being violated due to these laws
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

In XXXX 2024, I purchased a pair of shoes from XXXX. Unfortunately, the shoes were too large, so I initiated a return. XXXX provided a return shipping label, and I used this label to send the item back. However, XXXX, the XXXX, ceased updating the tracking information during its return journey. 

Despite my efforts to return the item and having the complete tracking history available online, XXXX has claimed that they did not receive the returned item. Additionally, my bank ( WELLS FARGO ) has refused to assist with the dispute and will not issue a credit back to my account. This situation has left me with no resolution, and I urgently need assistance to rectify this issue. 

my dispute id is XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting 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. (NJ)

I am submitting to address a pressing issue concerning my recent credit report. Despite my efforts, unauthorized credit inquiries persist, indicating a potential compromise of my credit under your bureau 's watch. Even after attaching FTC report # XXXX these inquiries remain unaddressed. I have previously contacted the companies listed below, requesting the removal of these unauthorized inquiries from their records and all credit reporting agencies. They assured me of their compliance, and each company received a certified letter indicating the inquiries were unauthorized. I demand the immediate deletion of the unauthorized inquiries listed below. This compliant addresses several unauthorized hard credit inquiries on my credit report, with THREE ( 3 ) inquiries still present. Enclosed is my new FTC report, number XXXX, for your reference. I am deeply disappointed by your inaction. When will EQUIFAX remove these erroneous hard inquiries from my credit file? My requests have been ignored for months. Please cease the delay tactics and remove the following inquiries : XXXX. XXXX XX/XX/year> XXXX. XXXX XX/XX/year> XXXX. XXXX XX/XX/year>. According to the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This compliant serves as a formal notice that if these inquiries are not removed from my report, I will proceed with legal action. My attorney is aware of my intentions and is prepared to hold you accountable for noncompliance. This is my final warning. Please remove the inquiries resulting from erroneous credit reporting.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (GA)

Someone used my debt card made over XXXX in uber eat purchases I sent credit karma my bank the police report snd all the information they needed also the guy waa arrested. Now the problem. Is the refundedmy money then reversal the refund saying case close I never made those transaction the product was sent to a person who's not my name or .y address now my account is negative I didn't make those transactions and I gave the. The name and address who did this fraud on my account a person I don't know I do know he's arrested and I informed the court thsf I got my mone back so I waa good with moving on with my life now that the money reversal it not fair I want my monet bacl inI. .my account
Consumer complaint received 2024-08-01
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (FL)

I am writing to formally lodge a complaint against Hunter Warfield Inc. for their failure to adhere to the legal requirements set forth in various federal regulations and consumer protection laws. I believe that Hunter Warfield Inc. has engaged in improper debt collection practices, which have adversely affected my consumer rights. 

Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : Hunter Warfield Inc. has not provided me with the necessary validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection on my consumer report, which has negatively impacted my credit score and financial standing.

Denial of the Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been given the opportunity to dispute the account in question in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of my right to dispute the debt has further exacerbated the situation and has left me without a clear avenue to address the inaccuracies.

Use of False, Misleading, and Deceptive Practices : Hunter Warfield Inc. has violated my consumer rights by using false, misleading, and deceptive means in their collection efforts. Their tactics have caused undue stress and confusion, and I believe they are not acting in good faith.

Unauthorized Furnishing of Information to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) : The collection agency has furnished information about the alleged debt to consumer reporting agencies without providing me with any and all disclosures required by law. This action is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ).

In addition to the above complaints, I am formally disputing any and all debts that Hunter Warfield Inc. claims I owe. I hereby revoke all rights for Hunter Warfield Inc. to communicate with me through email, text, or phone calls. All future correspondence must be conducted in writing via postal mail.

Furthermore, I request that Hunter Warfield Inc. provide the following : A copy of the purchase agreement between them and the original creditor.

Proof that they are licensed and bonded to operate as a collection agency in the state of Florida.

Given these violations, I respectfully request that the Consumer Financial Protection Bureau investigate Hunter Warfield Inc. 's practices and take appropriate action to ensure they comply with federal laws and regulations. Additionally, I seek the removal of the incorrect collection entry from my consumer report and any other remedies that the CFPB deems necessary to rectify this situation.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint. 

Please view the attached image. As of XX/XX/year>2024 Hunter Warfield Inc. is not licensed in the state of florida which makes debt collection illegal. Resource : https : XXXX
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc (MI)

Dear Possible Financial Inc you guyss aree reporting to the Credit bureaus that I have a charge off and Collection with you guys on XXXX and just a charge off on XXXX. None of these show on my XXXX Credit Report. I know this could be a minor mistake on you guys end I see you guys already HAVE 192 complaints about credit reporting already from XXXX. 
Im unaware of this debt I didnt have I didnt have an opportunity to dispute this information if in fact you believe you gave me proper notification then please send me the certify mail receipt with my signature on it. Also can you guys let me know your ways of verifying this my debt. 
Account number : XXXX
Consumer complaint received 2024-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (OH)

After a projected escrow shortage, I received communications stating my monthly payment would increase or I could add the projected deficit. It was suggested in the communications that if I chose the latter option, my monthly payment would stay the same ( XXXX ). I added the projected deficit and my monthly payment still increased to {$1300.00}. This doesnt sound like much, but my initial monthly payment was XXXX. Im concerned they will continue raising it until I cant pay it. There is no reason to increase the payment if there isnt a projected escrow shortage. Its a fixed rate loan.