davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NV)

Hunter Warfield inc, is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$5500.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. 

THE COMPANY RESPONSE AS THIS IS A IDENTITY THEFT AND THE ACCOUNT DOES NOT BELONG TO ME. 




Warfield , Inc. is a third-party collection agency headquartered in XXXX, Florida. Since XXXX, Hunter Warfield , Inc. has provided effective collection services for its clients in the multifamily, commercial, and funeral industries. Hunter Warfield does not purchase or own debt ; it collects on accounts referred by its clients. Hunter Warfield and its people are committed to ensuring that the consumer is dealt with in a professional, caring manner. Complaint # XXXX and the attachments have been reviewed. We have also reviewed our collection notes and records. The consumer states she is a victim of identity theft, and the debt does not belong to her. The consumer also indicates the balance reported to her credit file is fraudulent. Subsequently, the consumer requests to remove the debt from her credit file. XXXX referred an account to Hunter Warfield for collection on XX/XX/XXXX, listing the principal amount due of {$5500.00}. The initial collection letter was sent to the consumer on XX/XX/XXXX. On XX/XX/XXXX, the consumer recognized ownership of the debt. On that occasion, the consumer requested payment options and unfortunately, the call got disconnected. We are enclosing for the consumers records, copies of the documents including the account ledger, lease agreement, move-out inspection pictures, and repair cost invoices ( personal information has been redacted ). A review of this information may help the consumer examine the nature of the charges. If the consumer does not recognize the debt as hers and would like Hunter Warfield to investigate based on fraud, Hunter Warfield requests that the following information be provided as soon as possible : 1. Copy of the police report filed. 2. Copy of identification. Acceptable forms of identification include : Social Security Card Valid drivers license/identification card/passport 3. Any additional documentation supporting your claim of fraud. The requested information can be mailed to : Hunter Warfield, Inc. XXXX XXXX XXXX XXXX XXXX, FL XXXX Fax- XXXX XXXX The account has been placed under a hold status. If the consumer has additional questions, she may contact XXXX XXXX XXXX Hunter Warfield 's Consumer Resolution Department at XXXX or via telephon
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Consumer complaint received 2023-11-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: R.M. Galicia, Inc. (CA)

I had been diagnosed with XXXX XXXX in XXXX. I was receiving treatment and paying my bills as they would come. I fell behind on the larger bills that were a product of XXXX, Procedures .... etc. I began to receive phone calls from the same number every day for a couple of months. They would leave a message each time stating their name and that they work for PMS Progressive Management systems Collection agency XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I was not aware of any outstanding debt that was actually sent to a debt collector. I finally called them about 2 months ago to figure out what was going on after my credit report had been hit two separate times for unpaid medical bills. I was confronted with a zero-tolerance attitude towards working with me and possibly settling the debt with a lower number. I simply can not afford to pay the full balance at once or over time with my current auto-pay for my other XXXX bills. PMS told me they are not allowed to settle and threatened to continue hurting my credit unless the balance was paid in full. I requested a document to be mailed that explained in an itemized list what I owed in full due to the balance changing every time I called. The document that eventually showed up was a spreadsheet with random numbers on it that did not match up to what XXXX XXXX had sent with my remaining balances. I just recently received an additional letter from XXXX XXXX. XXXX XXXX XXXX of PMS that stated " It is necessary that you immediately send payment in full or contact me at once to conclude this long-overdue account '' The format once again for this letter was suspiciously formatted and had a threatening tone. This situation has caused me great stress and trauma and I am seeking mental health treatment as we speak. This company has repeatedly taken a threatening tone with me never truly explaining to me through an itemized receipt what is actually owed. XXXX XXXX was completely out of line to send this last letter and I feel like I am being bullied/backed into a corner with no way of continuing my XXXX treatment and paying this company so they can make a profit from my XXXX
Consumer complaint received 2024-01-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (OH)

Formal Notice of Violations and Request for Remediation Dear SYNCBXXXX I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner of how SYNCBXXXX has handled my credit information. 
It has come to my notice that unauthorized items have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ), Ohio Revised Code ( ORC ) Section 1349.19, and ORC Section 1349.191. 
Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and ORC Section 1349.19.

I am formally demanding the immediate removal of this unauthorized and unverifiable item from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ), Ohio Revised Code Section 1349.19, and ORC Section 1349.191. I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( and Ohio state law. Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences. 
Moreover, I insist on SYNCB/HARBOR provide a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ) and ORC Section 1349.19. 
This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. 
I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report. Done in good faith.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (FL)

My bank notified me about a change in my credit score on XX/XX/2023. Upon accessing my report, a collection for {$1600.00} was reported on the same day by Paramount Recovery XXXX for " seriously past due date/assigned to attorney, collection agency, or credit grantor 's internal collection department. '' The date listed for the account status is XX/XX/2023. The creditor is XXXX XXXX something or the other, and the collection agency is Paramount Recovery Systems. I have never heard of or received communication from these entities. I have never received a medical bill for that amount. I have health insurance and pay my co-pay every visit. The collection has been reported to all three credit bureaus and have affected my credit score. I filed two XXXX complaints and received no response. I filed disputes with the three credit bureaus on XX/XX/2023.
Consumer complaint received 2024-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-02
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (IL)

My original credit limit was {$10000.00}. I paid my balance down below 30 % and Citibank decreased my credit limit to {$5000.00}, which increased my usage percentage. I explained to Citibank representative and supervisor that this in not good customer service. This was very inconsiderate for Citibank to decrease my credit limit and making my credit usage increase drastically. I have always paid my account on time or no more than 10 days after the due date. This is horrible customer service and this will place a hardship on my credit score. Will someone please address this issue?
Consumer complaint received 2023-09-26
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: PNC Bank N.A. (IL)

On XX/XX/XXXX I walked in to the PNC branch located in XXXX Illinois on XXXX and XXXX XXXXXXXX. When I walked into the bank I was ecstatic to open up a bank account with a check from a family friend that was given to me and my family due to my mothers death. The check was over {$10000.00} and from the beginning I had a problem with PNC bank. The check was to be released in XX/XX/XXXX They began to put an extra hold on the check stating that they couldnt cash it unless they talk to the person who gave it to me. They also stated they had talked to the bank that the check came from. They also told me if they never talk to the bank or the person who gave me the not they can hold a check to XXXX. I was also accused of embezzlement and fraud. I did what they instructed I got in contact with the person who issued out the check and with the bank, when the parties tried to get in contact with PNC Bank, they informed me that PNC Bank refused to talk to them. I then put in a complaint With you guys on XXXX XXXX. PNC executive bankers reached out to me the following day and they did release the money, after I had to show them the letter that the check came in also the note that was attached to the check, proving that it was a gift from my family friend. After being so insulted and miss treated by PNC bank I went to their other branch on XXXX and XXXX XXXXXXXX Illinois and ask for a cashiers check and asked to close the account they did give me a cashiers check and close the account. I went to take the cashiers check to another bank XXXX located on XXXX in XXXX XXXX in XXXX, Illinois so maybe to open up a new account and start fresh. XXXX, flag my account and said the cashier check was fraud from PNC it was not a legitimate check. I dont know whats going on with PNC Bank but something needs to be done. why are you trying to keep my money from me??????!!
Consumer complaint received 2024-01-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICAN HONDA FINANCE CORP (CA)

AMERICAN HONDA FINANCE Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$31000.00} Highest balance XXXX XXXX XXXX BALANCE IS WRONG AND INCORRECT, SHOULD BE UPDATED, REMOVED FROM CREDIT REPORT, HANDLED IN FULL
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am writing to express my continued frustration and disappointment regarding the unresolved issue of fraudulent items account, despite multiple attempts to address it. 

The presence of these fraudulent items not only compromises my financial security but also erodes my trust in your company 's ability to safeguard my interests as a customer. Furthermore, the lack of resolution has caused me significant stress, inconvenience, and potential financial losses. 

I expect a prompt response to this complaint, acknowledging receipt and outlining the concrete steps that will be taken to address the issue. Additionally, I request regular updates on the progress until the matter is fully resolved. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXXXXXX XXXX  XXXX Balance Owed : {$2800.00} ; XXXX XXXX Balance Owed : {$770.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXX  XX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XXXX XXXXXX/XX/year> ; XXXX XXXX XXXX XX/XX/year> ; XXXX XXXXXXXX XXXX XXXX XX/XX/year> ; XXXX XXXX XXXXXX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>.
Consumer complaint received 2023-09-26
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I just reviewed my copy of my transunion credit report i see an inquiry that's on the report that i didn't authorize XX/XX/2023 consumer portfolio. received a copy of my credit and i don't have any transaction with them. they are in violation with the fcra
Consumer complaint received 2024-05-20
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (OH)

XXXX credit inquiries showed up on my credit report from JPMCB on XXXX and XXXX, attempting to open an account. I called the company and reported fraud XX/XX/XXXX and again XX/XX/XXXX.
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (GA)

When logging into XXXX online or on a mobile app, there is a prompt that forces you to accept new conditions, otherwise you can not login to use any online services. 

There was no warning of this change of terms allowing time to read and understand them before they came into effect. I am instantly, without notice, locked out from accessing any of my account features unless I accept the new terms. 

The new terms are specifically two documents : - a 10-page " Online and Mobile E-Sign Disclosure and Consent Agreement '' and - a 125-page " Digital Services Agreement '' There is no summary of changes to know what is different compared to before. 

Having all services effectively withdrawn from customers without notice pending acceptance of XXXX complex pages of legally binding documents is outrageous and should not be legal behavior. 

Clearly the expectation is for everybody to just blindly accept the terms. 

I understand that this is not limited to Chase credit cards but Chase banking products/customers as well. See the following for additional impacted consumers : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CULLEN/FROST BANKERS, INC. (NC)

Fraudster impersonating as XXXX XXXX support used our XXXX to download XXXX and XXXX and made us withdrawal transactions in order to reverse some charges we did not authorize using our debit cards linked to XXXX XXXX XXXX XXXX. The XXXX transaction receipt we acquired is as follows : FROST BANK XXXX XXXX  Reference Id : XXXX Withdrawal amount : {$3900.00} on XX/XX/2023 @ XXXX XXXX XXXXXXXX Recipient : XXXX Card holder ending in XXXX, expiration XXXX Filed Police Report Number : XXXX XXXX Police Department XXXX XXXX XXXX, XXXX, NC XXXX
Consumer complaint received 2023-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

I want to complain about Lakeview Loan Servicing LLC, servicing by XXXX ( again ). I filed the complaint them in XXXX after they gave me an extremely hard time to customers in order to remove PMI and then solved the problem immediately. This time, again, they gave me an extremely hard time to remove the escrow account for another loan that I refinanced with them in XX/XX/XXXX. In XX/XX/XXXX, they rejected my escrow removal request using the reason as " The investor requires that you maintain an escrow account on your loan that was closed under a Texas Equity Section 50 ( a ) ( 6 ) Mortgage program. '' I did not really understand what it meant and just let it go. Recently I wanted to remove the escrow again because I had been very troubled by these escrow accounts to automatically pay off my home insurance renewal while I had already chose to use a different insurance. I had to go back and forth to get refund from the old insurance company. So to avoid this pain in future, I decided to remove the escrow account again. I first tried to send the removal request online but their website showed the message saying my loan LTV was higher than 80 % so that they could not let me remove it. This is totally wrong because my LTV was only 75 % even when I did the refinance. Then I called XXXX. The staff first told me I should not be able to remove the escrow because the Lakeview requires 24 months ' payment instead of 12. Then she saw my denial letter from last year and then claimed I could NEVER remove the escrow account because my loan was a special type under a Texas Equity Section 50 ( a ) ( 6 ) Mortgage program. She claimed this was written in my signed documents when I started the loan. Given my previous experience on how they faked all kinds of excuses for not letting me remove the PMI, I guessed they were doing it again. So I asked the loan agent who did this refinance mortgage for me to check all of the signed documents for this loan. My agent confirmed that my signed document NEVER mentioned " Texas Equity Section 50 ( a ) ( 6 ) Mortgage program '' anywhere. Plus, there was no any sentence to say this loan had any special difference from regular conventional loan. There was no place to ever write that I could not remove the escrow account in any signed documents. I understand their motivation was to get my escrow money for free with XXXX interest to grow their own money. However, what they do to me is simply not ethical. Therefore, I have to seek help again here to let Lakeview remove the escrow accounts for me. Thank you very much!