davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSWORLD SYSTEMS INC (VA)

Repeated calls from Transworld Systems ( calling from XXXX ) who said they were collecting a XXXX  debt but would not provide any understandable information as to : 1 ) who the debt was from, 2 ) the amount of the debt, and 3 ) the date of service related to this charge. Each call sounded like it was being placed from overseas and each caller had a strong non-English accent - making it very hard to understand exactly what they were saying. They refused to provide the information listed above until I provided them with personal security information- which I was not willing to do. They absolutely refused to send me any more detailed information either by mail or e-mail. 

They have been calling me or my XXXX  ( separate phone numbers ) several times a week over the past XXXX of months. The callers do correctly identify my name.
Consumer complaint received 2023-06-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TN)

I have attempted to contact this collection agency by mail on XXXX  to negotiate a debt and the address provided on my credit report is fraudulent. Its not a address that i can send letters to and i don't know any other way to contact this agency. After i sent the letter it was returned to me saying it could not be forwarded.
Consumer complaint received 2022-12-08
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. (NJ)

I just filed a complaint on Experian on XX/XX/2022 complaint number XXXX I made a complaint expressing how I have asked Experian for them to investigate and reinvestigate the same 2 accounts several times and each time it comes back the same verified and accurate and no change, when I know that it's inaccurate. the 2 accounts below are the inaccurate accounts I'm speaking on : Account Name : XXXX XXXX XXXX Account # : XXXX and the 2 account is, Account Name : XXXXAccount # XXXX XXXXXXXX. Experian responded to my complaint saying you're going to reinvestigate these accounts at my request my complaint never said I wanted you to reinvestigate you already did. That's what I'm complaining about the results, I asked you to " IMMEDIATELY DELETE '' them because you failed to properly investigate and reinvestigate these accounts to many times. It is your responsibility to make sure my consumer report is reporting 100 % accurate and you failed it is my consumer report, it is about me, I am the consumer If I disagree with information that you are reporting on my consumer report, you must remove it. It is not up to the furnisher who is your clients to make the decision what's reporting on my consumer report which I didn't give them consent to furnish anything on my consumer report and I didn't give Experian permission either I was supposed to get a notice from the furnisher letting me no they were going to report negative information to my consumer report before they even did it to let them know if I was ok with them reporting my personal information or not they did not notify me neither did Experian. According to the FCRA 15USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and person meaning the creditor aka furnisher making the report are not included in consumer reports. My consumer rights have been violated by the furnishers of these accounts and Experian. DELETE THESE ACCOUNTS OFF OF MY CONSUMER REPORT IMMEDIATELY THAT IS MY REQUEST. If you do not delete these accounts immediately, I will file a complaint against Experian to the Attorney General and Federal Trade Commision for Willing fully and knowingly you are reporting inaccurate information on my consumer report I have every letter I sent you pertaining these accounts and every response you gave on these accounts as evidence. Thank You
Consumer complaint received 2023-12-10
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC (NV)

I was a victim of online fraud. Person purporting to be someone else. Romantic Relationship developed and person started sending money to my account asking me to send it to different individuals, which I did. Then charges appeared on my bank account. 
Individual name is XXXX XXXX impersonating XXXX XXXX. Subject friended me on a XXXX site on XXXX.
Consumer complaint received 2023-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. ()

I deposited {$2000.00} ( 20 bills of {$100.00} each ) into the Chase Bank ATM located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). However, an error occurred on the ATM screen, and the ATM did not recognize the money I deposited. When I checked my account, I found that the {$2000.00} was not deposited. 

I immediately called the Customer Service center using the phone number listed on the receipt. The customer service representative verified the Term ID and sequence number on the receipt and assured me that the investigation would be completed by XX/XX/XXXX, and the {$2000.00} would be deposited. 

However, I did not receive any contact until XX/XX/XXXX. On XX/XX/XXXX, I called the Customer Service center to inquire about the status of my claim. The representative informed me that the investigation was still pending and would take more than 10 business days to complete. 

As of now, I have not received any credit or refund from Chase. I hope my issue can be resolved promptly.
Consumer complaint received 2018-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I have an account reporting on my credit report with your credit bureau as of XX/XX/2018. This account from XXXX XXXX was reported incorrectly to the credit bureau, due to this account was paid in full on XX/XX/2018. I paid XXXX XXXX {$700.00} by debit card thru the web site www.entergy.com regarding my account number : XXXX. 

When I received the alert that XXXX XXXX was reporting on my credit report as collection, I called XXXX immediately and spoke to collections district manager XXXX XXXX at XXXX to inform her of the incorrect reporting that is being report on my credit report from XXXX XXXX. XXXX XXXX informed me no problem we can get this fixed and deleted off your report. XXXX informed me she would send a letter stating the account was paid in full on XX/XX/2018 and the account has been approved to be deleted off my credit report due to incorrect reporting. 

**PLEASE SEE LETTER FROM XXXX XXXX ENCLOSED **
Consumer complaint received 2023-06-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (MA)

Unexplainable charge : XXXX XXXX XXXX + {$420.00}. 
M & T Bank want me to comply w/this charge. M & T Bank insit the part of the loan. I never request or authorise any changes or even moved of institution. This mortgage was transferred from XXXX XXXX XXXX  which it was acquired by M & T Bank.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-10-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD (MD)

I took out XXXX student loans for my undergraduate degree program at XXXX XXXX XXXX XXXX in XXXX XXXX, Texas between XXXX and XXXX. I put these loans in forbearance while I complete two years of service with XXXX and three years of XXXX XXXX When I graduated XXXX XXXX, I was under the impression that the student loans had not become due yet and was not aware I had to make loan payments beginning in XXXX of XXXX. This was the same month I graduated law school. My parents were not living at the address the loan servicer ( Texas Higher Education Coordinating Board ) had on file and the did not have my address. I received no notice through my personal email, nor phone calls. The loans went into default in XXXX of XXXX and my case now is with the State of Texas 's Attorney General 's office. I spoke with a representative from their office today who informed me that it was my responsibility to make sure they had the right address on file. She said that she did an investigation into my case in XXXX of this year and discovered my current address, which I confirmed was correct, She said notice was sent to this address when it was discovered. However, I did not receive this notice. I would have paid the loan right away had I known that it became due and I believe that the notice I was given was insufficient, especially considering that they had my phone number and email address on file. I have sent payment for the original balance on my loan. I was informed by the representative at the State of Texas 's Attorney General 's Office that a case was filed with a Justice of the Peace in XXXX, Texas in order to recover the interest that had accumulated on my loan during the last year and a half. I asked that they send me the information showing that adequate notice had been sent, but the representative said she could not do that. I am happy to pay the loan that I took out, but making me pay {$1500.00} in interest on loans I was not aware were collecting interest is manifestly unfair. Thank you for any assistance you are able to provide.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am disputing these fraudulent items based on the fact that they are the result of identity theft or fraud, and therefore, should not be attributed to me. I am providing the following supporting evidence : I have attached any additional evidence I have gathered to support my claim of fraud. 
I kindly request that you promptly investigate these fraudulent items in accordance with the Fair Credit Reporting Act and take the necessary actions to have them removed from my credit report. Please provide me with written confirmation of the results of the investigation and the removal of these items. 

Furthermore, I kindly request that you provide me with a free copy of my updated credit report once the investigation is complete. I appreciate your prompt attention to this matter, as it is essential to my financial well-being. Please do not hesitate to contact me if you require any further information or clarification. I am asking for your assistance to remove the fraud items in my credit file immediately : 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 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 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 2023-10-05
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Sent in a modification packet on XX/XX/XXXX to Carrington mortgage, then Carrington mortgage started a XXXX  while I was being reviewed for a modification, in XXXX that is called XXXX tracking, and against the law, this company has no regard to law 's, or filing fake documents
Consumer complaint received 2023-10-05
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: HW Holding, Inc (GA)

I am writing to formally file a complaint against Hunter Warfield, a debt collection agency, for their relentless and unwarranted actions concerning an alleged debt. I also wish to highlight the numerous violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) that I have endured throughout this ordeal. My intention is to request a comprehensive investigation by the CFPB to address this matter appropriately. 

I want to convey the frustration and sense of invasion of privacy and harassment I have experienced in dealing with Hunter Warfield. Here 's a summary of the events : 1. In XX/XX/2023, XXXX XXXX first notified me of a collection account from Hunter Warfield, an issue I was previously unaware of. 

XXXX. On XX/XX/XXXX, I took the initiative to send a debt validation notice via certified mail to XXXX XXXX of Hunter Warfield, with a firm intent to protect my rights 3. Moving forward to XX/XX/XXXX, Hunter Warfield responded via email, offering documents, including a XXXX rental lease agreement. However, their response left me unsatisfied, as they failed to provide crucial details such as a signature or information about the original creditor. Moreover, there was no clear justification for their claim, and no certification of assignment was provided to demonstrate their rights to pursue this alleged debt, leaving me concerned about the consequences if the debt remained unpaid 4. In XXXX, Hunter Warfield made a resolution offer for a reduced amount via email - 5. In XXXX, I decided to accept their offer, provided that they could legally substantiate their claim through authenticated documents under the penalty of perjury 6. Hunter Warfield responded to my acceptance on XX/XX/XXXX via email, repeating the same information as in their XX/XX/XXXX response. 

7. In XXXX, I submitted a dispute to XXXX regarding the collection 8. On XX/XX/XXXX, I sent a NOTICE OF OPPORTUNITY TO CURE to XXXX XXXX of Hunter Warfield 9. By XX/XX/XXXX, XXXX had removed the collection from my credit report 10. Shockingly, on XX/XX/2023, Hunter Warfield made another resolution offer for the same amount, ignoring all previous correspondence. This behavior clearly demonstrates a pattern of harassment and an attempt to collect a debt for which they lack a proper legal basis In addition to the FDCPA violations previously mentioned, I firmly believe that Hunter Warfield has violated the FCRA in several ways : 1. Posting adverse information on my credit report without a permissible purpose.

2. Failing to contact me prior to reporting the debt to the credit bureaus.

3. The absence of a contractual agreement between Hunter Warfield and myself.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 1681. 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report 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 information is inaccurate. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-05
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: JPMORGAN CHASE & CO. (NJ)

I made a purchase of {$2200.00} from XXXX XXXX on XX/XX/2022. I used my Chase XXXX to make the purchase. There were a lot of problems with the order ( damaged item, late arrival, etc. ) and after not making any progress with XXXX XXXX, I decided to resort to my credit card company for consumer protection and disputed {$1000.00} of the amount. I submitted to Chase all of the documentation regarding the order and explained what had happened. After they investigated, I received a letter from Chase stating " that we are pleased to tell you that your dispute has been resolved '' and that I would see a credit of the {$1000.00} within one to two billing cycles. The date of that letter from Chase is XX/XX/2022. I waited for the one to two billing cycles and did not see the credit applied to my account. I reached out to Chase and was told that the credit would be coming. I have been waiting ever since, there has been no credit, and every time I contacted Chase online, I would get a generic response saying that the credit would be applied. I finally called into Chase this past XXXX ( one year later ) and was told that they would NOT be giving me the credit. They are playing with words and tricking consumers, this dishonesty must stop. I have written proof from Chase saying that the dispute has been resolved in my favor and to wait for the credit, and then they turn around and say that the letter doesn't specify who is giving the credit
Consumer complaint received 2023-10-05
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. (TX)

In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 1681. 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report 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 information is inaccurate. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc. (TX)

SYNERPRISE a debt collector has reported a medical bill on my credit report for {$500.00}. 

This debt collector never contacted me to provide proof this bill belongs to me. 

I have worked hard to be a responsible person. I had an XXXX  credit score. My score dropped 50 to 80 points for a {$500.00} medical bill, this is unreasonable. I can pay off a {$5000.00} credit card and will not receive an increase of 50 to 80 points on my credit report. Why should a medical bill adversely affect a person credit report score? 


XXXX XXXX
Consumer complaint received 2023-10-05
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. (VA)

XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Credit limit {$1600.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX 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 2018-03-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (FL)

we were advised our mortgage lender put us under forbearance due to hurricane disaster relief in Florida in XX/XX/XXXX for 2 months, and put payments on the end of loan. when it was time to pay, they extended again stating we can have more time since we were getting roof repaired and not to pay until XX/XX/XXXX XXXX in XX/XX/XXXXthey asked for paystubs since they were under impression myself or spouse job changed. we both have been employed in same job over 5 years. we did send stub what they asked for XX/XX/XXXX and current XX/XX/XXXX. we received a call XX/XX/XXXX, & XX/XX/XXXX collection call stating all of the funds were now due. Asked why, they stated forbearance was closed or denied due to lower income now than it was in XX/XX/XXXX. I stated that was impossible and why was this not questioned or asked prior to them closing it. They said we can apply for a loan modification and if cant afford it will sell the home in short sale. I advised we just purchased the home, and had no intentions of selling. we paid 2 months worth of the 6 months arrears over the phone, but are still in default because of their instructions or lack there of.