davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Halsted Financial Services, LLC. (AZ)

XX/XX/2021 Dear XXXX XXXX, XXXX XXXX XXXX has purchased your XXXX XXXX XXXX account from XXXX XXXX XXXX. 

Your account has been placed with our office for collections. We understand that this can be an unpleasant experience, but we want you to know that we are here to assist you. 

We want you to feel like a person, not an account ( it is sort of our thing ) We have payment options available online 24/7 if you would like to make a payment. 

If you would like to resolve this matter, but are unable to take advantage of the options offered on our portal, ( seriously, take a look and tell me those are not some sweet options ) please don't hesitate to contact us at ( XXXX ) XXXX or simply respond to this email so one of our account representatives can follow-up with you as soon as possible. 

Current offer : Up to {$450.00} off in up to 18 payments View My Options Have questions? Call us at ( XXXX ) XXXX or simply reply to this email so we can assist you. 

The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX can not sue you for it, and XXXX XXXX XXXX can not report it to any credit reporting agency. 

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request from this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different than the current creditor. 

Our Reference Number : XXXX Original Creditor : XXXX XXXX XXXX  Original Creditor Account Number : XXXX Current Creditor To Whom Debt Is Owed : XXXX XXXX XXXX Current Creditor Account Number : XXXX Total Balance Due : {$910.00}
Consumer complaint received 2019-12-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (MA)

I XXXX XXXX am trying to avoid filing a chapter XXXX bankruptcy petition. However, before I do that I want to obtain the actual ownership of my current creditors that went into default several years ago. I hereby file a qualified written request on each defaulted creditor, and if any of these debts were sold off to a third-party debt buyer, then I will review the proper documentation to make sure all proper legal requirements were initiated. Accordingly, I request full validation of the stream of ownership on each account under reinvestigation.
Consumer complaint received 2021-12-29
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: DISCOVER BANK (NY)

My last day in my office was XX/XX/XXXX due to the pandemic. I returned and had no choice but to accept a demotion position on XX/XX/XXXX making approximately $ XXXX less. during the pandemic I used up all of my savings to keep up with my payments. Before the pandemic I had an impeccable payment history. Never missed or late on a payment. I contacted Discover letting them know my situation and to make payment arrangement base on what I can afford at the time, and they refuse to work with me. I'm now back to my office and I'm making payments. I explained to them The Govt passed The Corona Virus Aid Relief Economic Security Act which was enacted in XX/XX/XXXX and that late payments should not have been reported on my account due to the pandemic. I also let them know I attempted to refinance my home and take some equity out to pay off my debt but was denied because of the late payments that is on my credit report which drove down my credit score. I spoke to XXXX ( Delaware location ) who transferred me to XXXX who transferred me to supervisor XXXX who told me that she could not assist me. I reviewed with her The Corona Virus Aid Relief Economic Security Act and she said there's nothing she can do. Account name is DISCOVER, Phone # XXXX, ACCT # XXXX, Late Payments on my account due to the pandemic ( Dates on my credit report - XX/XX/XXXX XX/XX/XXXX Late Payments ). If you need additional information, you can call me at XXXX. 
Thank you very much. 
XXXX XXXX
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are some inquiries on my Transunion credit report that I do not recognize and I believe they are due to identity theft because I did not make them or authorize them. 
Here is the following that is on my credit report that I did not make : XXXX XXXX XX/XX/2021 TransUnion XXXX XXXX  XX/XX/2021 TransUnion XXXX XX/XX/2021 TransUnion XXXX XXXX  XX/XX/2021 TransUnion XXXX XXXX XXXX  XX/XX/2021 TransUnion XXXX XXXX XX/XX/2021 TransUnion XXXX XX/XX/2021 TransUnion XXXX XXXX XX/XX/2021 TransUnion XXXX XX/XX/2021 TransUnion XXXX XX/XX/2021 TransUnion XXXX XX/XX/2021 TransUnion XXXX XXXX XX/XX/2021 TransUnion XXXX XXXX XX/XX/2021 TransUnion XXXX XXXXXXXX XXXX XX/XX/2021 TransUnion XXXX XXXX XX/XX/2021 TransUnion
Consumer complaint received 2024-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mutual Management Services LLC (FL)

The company keeps adding charges to that account. They claim I owe them money but I never had a contract with this company. 
I sent them the following letter : XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Mutual Management SRVC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX RE : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$1300.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office C CC : XXXX XXXX XXXX
Consumer complaint received 2024-04-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (DC)

Wells Fargo Home Mortgage and XXXX XXXXXXXX XXXX scheduled a Foreclosure sale dated XXXX. They have refused to address my concerns in regards to the OCC Letters amongst other issues. I have contacted the OCC and I was informed that The letters were written in XXXX and the concerns should have been resolved by Wells Fargo Home Mortgage and that the CFPB was and is responsible beginning in XXXX for Housing Concerns. I was informed that Wells Fargo should make the necessary corrections and that I should contact the CFPB, XXXX XXXX XXXX XXXX and XXXX XXXX to resolve the issue.
Consumer complaint received 2021-12-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2018-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

Several thousand dollars were withdrawn from my personal savings account without my authorization approximately {$11000.00} in 2010. I have tried several years try to settle this account to no avail. XXXX XXXX of the XXXX location here in Texas involved himself stating lies to Wells Fargo to justify this deception.
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chase Bank Executive Office XXXX XXXX XXXX XXXX XXXX, OH XXXX Referenc number XXXX I decided not to let go of the case. 
I reported the case to the Police and the prosecutor 's office on XX/XX/XXXX in XXXX. 
XX/XX/XXXX Police initiated an investigation referred to in art. XXXX couple. 1 of the Penal Code. 
I'm requesting a rebill reconsideration. 
I send the required documents and their translations into XXXX. 

Please contact me only via e-mail XXXX or by mail. 


Best regards XXXX XXXX
Consumer complaint received 2020-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE (VT)

I applied for the XXXX  XXXX  Plus Credit Card with a {$99.00} annual fee from Barclays on XX/XX/XXXX primarily to use its trip delay insurance benefit that was advertised on its website. As advised in advance of purchase by a Barclayscard XXXX  XXXX  Plus Card agent, I booked XXXX  XXXX   airfare tickets on another card on XX/XX/XXXX, received the XXXX  XXXX   Plus card on XX/XX/XXXX and immediately had the airline tickets transferred to my XXXX XXXX Plus card on XX/XX/XXXX so that I would have trip delay insurance for the trip as provided by the XXXX  XXXX  Plus card. I paid the {$99.00} annual fee included on my XX/XX/XXXX statement. 

On XX/XX/XXXX, I received an email notifying me that the trip delay insurance benefits had been terminated retroactively as of XX/XX/XXXX. 

In XX/XX/XXXX, we used the XXXX XXXX tickets purchased on XX/XX/XXXX. Our flight was cancelled, and our trip was delayed by two days. Due to Barclays false advertising of trip delay insurance and retroactive notification of termination of the insurance, we had no trip delay insurance to cover our expenses. 

I spent several hours on the phone with Barclays XXXX XXXX Plus Card Customer Service regarding this issue getting nowhere. I understand that the underlying benefit might have been provided by Mastercard, however it was still Barclay 's obligation not to false advertise on its website and to provide notification of the termination of the insurance benefit prior to the insurance being cancelled. 

I am seeking a refund of the {$99.00} annual fee since I got the card and paid the {$99.00} because of the falsely advertised trip delay insurance benefit. I am also seeking compensation for the two day delay of the XXXX XXXX trip that had ultimately had no trip delay insurance, leaving us without coverage of insured hotel and incidental expenses. There was no indication on the website on XX/XX/XXXX that the benefit would be expiring within a few days. I only learned of this 20 days after the fact, after my XXXX XXXX ticket was already purchased. I believe that in addition to the false advertising, it is not legal to terminate insurance benefits without prior notification.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I am distressed that Equifax have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated and removed from my credit profile for illegal proof of payment Account XXXX XXXX XXXX I respectfully request proof of the late payments. This is an illegal proof of payment. Please provide proof of bank statements, receipts proving payments were late. Also why is this account status saying that it is opened? This account is closed and have been since XX/XX/XXXX, but your company ( Equifax ) is reporting that its still opened which is very odd. Also last payment for this account was made on XX/XX/XXXX, so how it is possible your company ( Equifax ) have payments showing for year XXXX reporting on my current credit report? Why did your company ( Equifax ) delete last payment date & last date active? Everything about this item is puzzling and needs to be removed Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I will sue your company for failing to report inaccurate information and damages caused by your company! You are in violation continuing to report! 

In this complaint accompanies a copy of my current credit report showing proof of the inaccuracies reporting on my credit profile
Consumer complaint received 2021-12-29
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: EQUIFAX, INC. (TX)

Equifax is reporting the following medical debts that have not been validated and updated with the company name or contract information. I don't know 1 ) if this is my debt 2 ) if it is my debt WHO I Owe and where to pay.

I have already disputed with Equifax multiple times over 4-6 months and still I do not have further information about the alleged debt listed below. 

I have a right to an accurate credit file and this type of inaccuracies is unacceptable. 

Account No. XXXX Amount {$0.00} Account No. XXXX Amount {$0.00} Account No. XXXX XXXX {$120.00} Account No. XXXX Amount {$0.00} Account No. XXXX XXXX {$0.00} Account No. XXXX Amount {$0.00} Account No. XXXX Amount {$0.00} Account No. XXXX Amount {$0.00} Account No. XXXX Amount {$0.00}
Consumer complaint received 2021-12-29
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me.Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (CA)

I reviewed my 3 credit bureaus reports recently and noticed some unauthorized inquiries on my credit report. I called each individual company to report the inquiries as unauthorized. However, they are still listed on my report. These inquiries are inaccurate and unrecognized by me. I am requesting the immediate removal of all inquiries listed below by each credit bureau. 


Unknown Inquiries From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX Unknown Inquiries From XXXX XXXX ) SYNCB/PayPal- XX/XX/XXXX, XXXX ) Synchrony Financial XX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX ) SYNCB/XXXX XXXX ) XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX SYNCBXXXX  XX/XX/XXXX Unknown Inquiries From XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Freedom Mortgage Company (NC)

Freedom Mortgage holds my mortgage. I received notification today on XX/XX/28 that my credit was pulled. I have not spoken or given them any authorization to pull my credit report. Due to them pulling my credit this has impacted my score. I request they remove this from my credit. I have never spoken or have permission for anyone to pull my credit at this company.
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

I was never late on this card. The company had double charged and during the debate and waiting for them to give me correct information they went ahead and put in not one but two late  payments this was a nightmare I had talked to several agents all saying something different .Finally we found I owed a small amount I had been told I did not I paid immediately paid off account and then closed the account for bad customer service. I asked them to remove this but they have ignored me now resulting in a bad report on my credit
Consumer complaint received 2021-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Inquiry Date XX/XX/2020 ; XXXX XXXX Inquiry Date XX/XX/2020
Consumer complaint received 2021-12-29
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.
Consumer complaint received 2021-12-29
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. (AR)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX XXXX XXXX Inquiry Date XX/XX/2020