davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NY)

On XXXX XXXX, 2016 a Qualified Written Request was sent to NationStar. No response to this request was ever received. This violates XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX where a written request is required to be responded to not later than 30 days ( excluding legal public holidays, Saturdays, and Sundays ) after the receipt from any borrower of any qualified written request. A confirmation fax concurred that NationStar received the fax to XXXX. There currently is a foreclosure sale on the property for XXXX XXXX, 2016 when they have not proceeded properly with providing the factual information on the loan.
Consumer complaint received 2018-05-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc. (AR)

Credit Systems International Keeps reporting erroneous information about me, though it has been proven that I dont and never have lived in XXXX XXXX. 
All three credit reports show a {$460.00} collection from " credit systems international '' I have NEVER had an account with them. 
Upon further investigation I find it is related to a " XXXX XXXX XXXX '' account, some type of electric utility company. 
For the past 20 years I have had only two Electric accounts ... XXXX in XXXX, which I still Have at XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX in XXXXXXXX XXXX 
both have always been in great standing and the highest bill I have ever had with either one has been about {$180.00} in a month. 
The Credit reporting agency refuses to fix this problem even though they did verify that I never lived in XXXXXXXX XXXX ... They were reporting that I had lived there based upon this Utility company saying I had. After verifying this info and removing the address in XXXX from my report, they still are accepting this info from Credit Systems International saying I owe for electricity in XXXX. 
I cant get any satisfaction from This Credit Systems company as they will not talk to me unless I give them my SS # ... I have nothing to do with them and I don't randomly give my SS # to any company that desires it. 
I would have been contacting these companies dealing with this, proving I never lived there ... before it even occurred if I had known, but XXXX XXXX XXXX, nor this Credit Systems international ever mailed anything to me at my address..XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, mailing address XXXX  XXXX XXXXXXXX XXXX XXXXXXXX for the past almost 20 years..and a House I own in XXXXXXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
I did receive some phone calls from a collection company which I now feel it was Credit Systems but before they would tell me what it was about, they wanted my SS # and birth date, I don't know about you but I had no dealings with them, therefore I wasn't giving my info. Those companies could have looked on the credit report that they received and used my address on the report, they are the ones who put the erroneous address on there some how. 
Why The credit reporting agencies accept addresses randomly like that is beyond my understanding, and then the consumer has to jump through hoops to get it off there. 
Please help me get this stuff off my credit record. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (UT)

Half a month ago, my Chase account was blocked. I called customer service and they told me to close my account and never use it. I wanted customer service to inquire about the reason, but they didn't tell me. They only told me that the money in my account would be sent to me in the form of a check in ten days. However, I didn't receive the check and called customer service again to inform me that it wouldn't exceed this week at the latest, but I still haven't received the check, And customer service told me to wait and didn't give me an accurate time! I am very angry because this matter has had an impact on my life, and I need to get back my own money immediately!
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



The following ITEMS are Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 instructions 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 2024-01-29
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: United Shore Financial Services, LLC (TN)

In XX/XX/2023 we applied for a principal curtailment and loan recast and were approved. At this time a customer service representative told us on the phone that once we paid the additional amount on the principal, this would trigger the final modification agreement to be sent to us via mail or secure email. Once signed, this agreement would allow the new payment schedule to take effect. We pointed out that " just send us the money '' did not sound like a reasonable process, but we were assured that this was how it was done. 

( We have had multiple problems accessing " secure emails '' throughout the months our mortgage has been with UWM. These sometimes do not arrive, sometimes arrive in the " messaging center '' on the website. We have also received secure emails that contain links that dont open. [ This resulted in the application process for our recast being delayed multiple times between XXXX and XX/XX/2023. ] ) In XX/XX/2023 we wired {$53000.00} to UWM for principal curtailment. Over the three months that this money has been with UWM and not in our high-yield savings account, this has cost us about {$200.00} per month in interest while serving no benefit to us. 

The forms to complete the final recast agreement never arrived. 

On XX/XX/XXXX we called to ask about the status of the payment, loan, and final forms needed for our new payment schedule to take effect. We were told that the final agreement would be sent to us via secure email. 

On XX/XX/XXXX we called again because these documents had never arrived. We were insistent that the problem had dragged on far too long and needed to be resolved. We pointed out to the representative that our payment to UWM was {$600.00} too high every month that there was a delay. We were assured we would receive our forms in the mail by XXXX. 

We have still never seen the modification agreement we need to sign to allow our recast to take effect. 

On the same call in XX/XX/2023 we asked to remove the PMI from our loan since our principal amount was now over 20 %. The representative on the phone strongly discouraged us, saying we had to wait a year after the principal amount reached 20 %, but that we could apply if we wanted. Our application from that day was approved and the PMI removed. This and multiple other phone conversations with UWM representatives have given us the impression that their agents are under instructions to discourage people from taking action to pay lower payments or fewer fees.

The failures of communication on the part of UWM have gone beyond gross negligence, to intentional incompetence, but now are creeping toward the realm of fraud.
Consumer complaint received 2024-01-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bull City Financial Solutions, Inc (NC)

I initially requested debt validation on XX/XX/XXXX, via certified mail. I provided specific documentation that I required, including agreements bearing the alleged debtor 's signature, insurance claims made for this account, any judgments obtained, and more. Unfortunately, Bull City Financial Solutions , Inc. replied with an inadequate letter dated XX/XX/XXXX, which did not meet the proper debt validation guidelines. Despite my follow-up request via certified mail on XX/XX/XXXX, they have failed to provide the requested documentation and have further violated the law by reporting inaccurate information directly to the credit bureau XXXX 

In order to support my dispute, I am attaching the following documentation for your review : 1 ) Their collection letter dated XX/XX/XXXX XXXX ) My letter dated XX/XX/XXXX, and the U.S. Postal Service certified mail receipt postmarked XX/XX/XXXX XXXX ) Their response letter dated XXXX, XXXX, XXXX, and the inadequate transaction summary I received 4 ) My response requesting the items I requested and the certified mail receipt postmarked XX/XX/XXXX, XXXX
Consumer complaint received 2024-01-29
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (WV)

This card was given to me as a gift by mom for bringing my XXXX  son into the world, when I first got it my mother instructed me to put it up and keep it as a safe haven because its going to be a time when I desperately need it for XXXX or formula etc well I did exactly that but when that time came and I tried to use it the card it did not work and when I checked the balance I saw random purchases which is impossible because the card had not even been opened yet, this caused me extreme emotional XXXX  and I have no idea what to do for food for my XXXX because that is what me and my wife were relying on. I would like a full refund because this is extremely unsatisfactory
Consumer complaint received 2024-01-28
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (MN)

Netspend sent me a debit card, with a valid magnetic strip and number that appears non-generic, without me having previously done business with the company, and without my permission. It was my understanding that sending payment cards thru the mail to unsolicited recipients was unlawful.
Consumer complaint received 2023-05-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc. (CA)

I contacted ZIP to remove my debit card that is stored in my account. I provided a written statement that I am revoking authorization of the use of my stored debit card. ZIP refused to remove my debit card after multiple attempts. It is illegal to use my debit card without approval.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: JPMORGAN CHASE & CO. (DC)

Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  JP Morgan Chase XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX & JP Morgan Chase, XXXX FCRA as a federally protected consumer. Under modern privacy laws, I as a consumer have a legal right to opt out of any activities involving the collection, use, and disclosure of my personal information. In other words, I as a consumer can simply say " NO '' to all data processing activities, from marketing emails to website cookies to the sale of data. However all businesses non affiliates which are investors by law must honor these requests or risk facing significant penalties from the Federal Trade Commission or from the Federal Government. I am now Opting Out on all authorization that includes mailing and solicitation. I the consumer may have given you written Unwritten verbal and nonverbal per 15 USC 6802. 

Under the Privacy Act of XXXX I do not have to provide you with my social security number or my personal information, I am federal protected by the United States Government Under Article XXXX of the GDPR The consumers or data subjects who have previously given their lawful consent to a specific data processing activity can withdraw their consent whenever they wish. I can withdraw from any data offers at anytime. 

I am also a XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  have also rights to XXXX XXXX on all things including non affiliates mailing solicitations. 
I should not receive any other piece of XXXX  from any non affiliates or third parties. 
Thank you for your time and cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paysend US LLC (CA)

Payment method : XXXX XXXX date and time : XX/XX/XXXX  XXXX ( XXXX ) Transaction number : XXXX Status : failed You have reached your sending limit. For detailed information, please, contact PaySend Client Support. 

Transfer amount : XXXX USD Transaction is failed, I didnt receive the refund, it has been posted on my bank account, also its approved on XXXX XXXX transaction history, it didnt show its refunded.
Consumer complaint received 2024-01-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I moved out and cancelled my lease because I was already being severely overcharged by your company. For a long time I was being charged $ XXXX. When I called your office to point out to you that I was being overcharged based on the pricing listed on your website, I was told that my pricing would not be lowered to your advertised price, and only reduced to {$190.00}. The current advertised price for the same exact enclosed space that I had, is for {$150.00} per month, and it very clearly states NO OBLIGATION. It does not say that it is a move in special, or limited time offer, or only applying to new move-ins. Still a full {$37.00} per month over your current pricing. 

I have been charged substantially more than your current pricing. It also appears I have been being charged a {$12.00} per month protection fee which I only realized recently. Apparently your website does not show itemized billing on demand, and it is also not allowing me to go back and look at previous statements for itemization. I finally found some previous invoices in my email. When I noticed that, I initially thought it was for the physical security on premise, which was apparently installed and being monitored by an unlicensed security company. After some digging, I found out I'm being charged for some sort of a protection plan because you did not have a copy of my trailers insurance on file. I have had insurance since I bought the trailer in XXXX. 

So in addition to being overcharged on the monthly space, Ive also been overcharged by that {$12.00} per month. That protection fee did not appear until AFTER I called in to discuss being overcharged in the first place. I consider that being charged a retaliatory fee for raising the issue. And since the optimization is not available on your website, it appears that you were intentionally trying to hide that from me. I have never received a notice that that fee was going to be charged to me. I have also not been sent a physical invoice since these changes were made, which also tells me you were intentionally not wanting to show me that fee.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$94.00} XX/XX/year> INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C , 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (GA)

Subject : Urgent Assistance Required - Account Locked Out Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to you with a pressing issue regarding my account with Huntington Bank. 

Recently, my account was locked due to a potential compromise detected by the bank 's security system. While I appreciate the bank 's vigilance in ensuring the security of my account, the solution proposed by them is not feasible for me. They noticed attempts t log in from my cell phone that kept locking out due to poor internet connectivity.They have asked me to visit a local branch to resolve this issue. However, I currently reside in Georgia, where there are no Huntington branches available. 

To verify my identity, I have provided two-factor authentication, and the code was sent to me successfully. Despite this, I have been unable to reset my password and regain access to my account. The suggestion that I should take a flight to the XXXX to resolve this issue is, quite frankly, absurd and impractical. 

I am in urgent need to conduct some banking transactions, and this lockout is causing significant inconvenience and stress. I am reaching out to you in the hope that you can provide some guidance or intervention in this matter. 

I understand the importance of security measures, but I believe there should be alternative solutions for customers who do not have access to a local branch. I am willing to provide any additional information or go through any remote verification processes necessary to prove my identity and regain access to my account. 

I kindly request your immediate attention to this matter. Please let me know how best to proceed, and I look forward to your prompt response. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-04
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed XXXX {$120.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX XXXX Balance Owed : {$9.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX  Balance Owed : {$430.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$120.00} XXXX XXXX XXXX XXXX Balance Owed : {$24.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (TN)

LVNV Funding is erroneously reporting adverse information to Credit Reporting Agencies in violation of the FDCPA. I believe this is an unethical approach to coercing payment for invalid debts. I advised both, LVNV and the original creditor regarding the erroneous information and requested validation. LVNV attempted to send copies of statements of transactions in lieu of contractual agreements that would allow me to see the binding signature. They were notified to cease and desist collection actions ; as well as, retract adverse information which renders them liable. They have not done so. I am now contacting CFPB, as I am seeking to establish due diligence in my efforts to resolve this matter and be justified for punitive damages should I have to resort to civil action.