davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M.A.R.S., Inc. (TX)

My husband and I leased an apartment from XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oklahoma XXXX. We signed a 6 month lease. In XX/XX/2019 my husband got notice from his job about changes and relocation. Therefore, on XX/XX/XXXX we went into the office at XXXX XXXX to tender our notice to vacate and find out the fee to be released from the lease. The agent we talk to in order to give the notice asked us if we would like to sublet the unit. we asked how does that worked and she explained to us that it would release us from having to pay for the last two months remaining in the lease or any other fees. We agreed to the transaction. She said that there is a lady waiting to see her who is looking for the size apartment that we have but currently they don't have one available. She said please follow me so I can introduce her to you all and see if she would agree to sublet contract. After speaking with her she was very excited and agreed to the subletting. The leasing agent asked us to use the office computer and complete the subletting documents. In which we did. We move out the end of XX/XX/2019. Some months later we got a email saying we owned for the remaining of the lease and all fees associated. We were confused. I contacted the manager but did not get a reply. I emailed the manger about the matter and she replied she was not aware of the subletting or lease takeover. After I emailed her conversations about it she now said she was aware but we are still responsible for the balance. The management can not justify why they are taking such action in trying to make us pay what we are not responsible for. We professionally cleaned the unit and took video and pictures after moving out. We signed all subletting documents. The manger recently reported this debt to the credit bureaus. This indeed was false reporting. If this matter is not resolved in the next 30 days, Our next step is to take file charges against XXXX XXXX XXXX in small claims court and sending this case to the Federal Reserve.
Consumer complaint received 2015-10-21
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: TRANSWORLD SYSTEMS INC (NM)

Transworld Systems sent me a letter indicating they collecting a medical bill debt. I believe I have paid this bill and attempted to call their customer service number multiple time. There is no answer -- only a strange message about an extension number. I logged on to their website only to find there is no way to dispute this debt on the website. They provide the same phone number described earlier. 

This also happened to me in XXXX 2014. I still have that issue on my credit report. 

This company makes it difficult or impossible to contact them.
Consumer complaint received 2020-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (IN)

from XXXX of XXXX to XXXX of XXXX, i lived at XXXX XXXX in XXXX arizona. my address was XXXX XXXX XXXX XXXX. i signed a 1 year lease, lived there 1 year, and moved out. now, XXXX   claims i owe them {$1300.00} dollars. it is now in collection by hunter warfield, XXXX XXXX   XXXX XXXX. XXXX florida, XXXX, XXXX i do NOT owe this money. it is a made up bogus debt, period, full stop. i satisfied the lease with XXXX, and left the apartment in the EXACT same condition as when i moved in. there is no possible way for me to owe XXXX, and now hunter warfield one single penny. impossible. if anything they owe me cause i never received my security deposit back for leaving the apartment in perfect condition. i called hunter warfield in XXXX on two different occasions and told them this is a bogus made up debt. that i do not owe it and i will not pay it cause i do not owe it. i explained to them that i will soon become homeless and this bogus made up debt on my report is causing me to be disqualified whenever i apply for an apartment before that happens. they then became very rude and nasty with me on the phone both times. i also disputed this bogus debt on XXXX XXXX and they are now claiming that this debt is accurate. IT IS NOT. i do NOT owe this money. period. and hunter warfield is attempting to collect money not owed, from a sick, XXXX  old man struggling to get by on XXXX once a month. hunter warfield, as well as every living breathing american must be made aware that hunter warfield attempts to collect money not owed, and that they have very rude and obnoxious employees answering their phones.
Consumer complaint received 2020-02-24
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: EQUIFAX, INC. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-02-24
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. (NV)

I recently started montering my credit and I notice accounts on my credit profile that I have never been made aware of until now. My information was compromised due to XXXX  's data breach and I would like these accounts removed from my credit profile
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

XXXX XXXX Ss # last 4 XXXX DOB XX/XX/XXXX SWORN AFFIDAVIT I'M SUMMITING THIS COMPLAINT BECAUSE EQUIFAX IS REPORTING A COLLECTION ON MY CREDIT FILE THAT WAS DISPUTED BY ME SUCCESSFULLY WHEN THE ORIGINAL CREDITOR REPORTED IT XXXX XXXX XXXX THEN MY DISPUTE STATED THAT THE ACCOUNT WAS A FRAUDULENT ACCOUNT AND IT WAS REMOVED I SUMMITED POLICE REPORT SEVERAL TIMES PROVING THAT I'M A VICTIM OF IDENTITY THEFT I HAVE HAD A FRAUD ALERT ON MY CREDIT REPORT SEVERAL YEARS BECAUSE OF THE FACT THAT I'M A VICTIM OF IDENTITY THEFT NOW XXXX XXXX XXXX HAS PURCHASED THAT ACCOUNT AND REPORTED AS A COLLECTION ACCOUNT CAUSING MY CREDIT TO DROP FROM A XXXX TO XXXX I'M IN THE PROCESS OF PURCHASING A HOME AND IF THIS FRAUDULENT ACCOUNT CAUSES ME TO LOSE OUT ON PURCHASING MY HOME EQUIFAX, XXXX   AND XXXX XXXX WILL BE NAME IN A FEDERAL COMPLAINT ALONG WITH XXXX XXXX AND XXXX XXXX XXXX.
Consumer complaint received 2020-02-24
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. (VA)

Requested to delete address that are inaccurate and not reportable per FCRA sent in a Notarized Certified letter picked up at a postal facility at XXXX XXXX  on XX/XX/2020 in XXXX, TX XXXX. Please remove addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate. Experian communication of dispute results dated XX/XX/2020 We store address information from information contained in public records. One or more sources reported the address information '' that is inaccurate address that are not deliverable to me by the US Post Office.
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX, I the victim of the fraud, am requesting that XXXX XXXX XXXX, according to section 623 ( A ) ( 1 ) ( A ) ( B ) cease reporting this inaccurate information to the consumer reporting agencies as I have previously requested, and l am aware that this is subject to a {$1000.00} fine per violation in addition to punitive damages. 
XXXX demanding remedy for the following -Fair Debt Collections Practices Act 15 USC 1692g -Fair Debt Collections Practices Act 15 USC 1692e -Fair Debt Collections Practices Act 15 USC 1692f -Fair Debt Collections Practices Act 15 USC 1692k - FCRA Section 623 ( a ) ( 3 ) - FCRA Section 623 ( a ) ( 1 ) ( a ) ( b ) = {$6000.00} TIMES TWO for the reporting of both fraudulent accounts.
Consumer complaint received 2021-05-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC (PA)

I am in a lease instalment loan with acima credit cost of lease total of the buy out option is {$980.00}. On Saturday XX/XX/XXXX my guitar broke under normal wear and tear due to a faulty guitar that has a bad part on it. Speaking to a proffesional guitar repair company the damage is going to be a few to several hundred dollars due to having to order speacial parts to have to fix it. Section seven states i am liable for loss damage and theft only if i am negligent and they bear the burden of proof that establishing that. I called and spoked to XXXX on XXXX XXXX at XXXX XXXX. She stated that acima does not have to cover it but the warranty from the factory might. Secction 8 at the bottom does advise there could be warrantys or insurances that acima does not offer also in section 8 first sentence states they are required to maintain the property in good working conditions at no further payment cost or fees to me. i have to know pay the cost which cost just as much as the guitar and im know having to wait to pay until acima loan is up or they discharge they buy out payment and make this my problem then to pay for the guitar as stated in the contract. Under the agreement they also own the property hence why they must maintain it.
Consumer complaint received 2020-02-24
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: Experian Information Solutions Inc. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-07-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NC)

My wife and I closed on our mortgage XX/XX/XXXX with Ditech and worked with customer loan processor XXXX XXXX and senior home loan specialist XXXX XXXX. Our first payment due started XX/XX/XXXX at {$930.00}. Five payments were made to Ditech on XX/XX/XXXX for {$930.00} ( XX/XX/XXXX Due date ), XX/XX/XXXX for {$940.00} ( XX/XX/XXXX due date ), XX/XX/XXXX for {$1000.00} ( XX/XX/XXXX due date ), XX/XX/XXXX for {$950.00} ( XX/XX/XXXX due date ) and  XX/XX/XXXX for {$950.00} ( XX/XX/XXXX due date ). On a letter from Ditech dated XX/XX/XXXX we were notified that our loan would be transferring to XXXX XXXX XXXX d/b/a XXXX XXXX. The letter included the statement The servicing of your mortgage account is being transferred, effective with your payment due XX/XX/XXXX. It also stated All payments made on or after XX/XX/XXXX should be sent to XXXX XXXX. On XX/XX/XXXX I lost my job but was able to pay our XX/XX/XXXX payment on XX/XX/XXXX. We received our first statement around XX/XX/XXXX from XXXX XXXX stating amount due of {$1800.00} which was including an overdue payment. I called XXXX XXXX on XX/XX/XXXX and they said not to worry that Ditech would be forwarding payments to XXXX XXXX and to allow 60 days for this to happen. Each statement we received from XXXX XXXX included the past due payment along with late fees. Around XX/XX/XXXX I called customer service and they said to send supporting information as to the XX/XX/XXXX payment and they would research it. On XX/XX/XXXX I sent them information from my bank showing the payment had debited my account. After no response I called customer service on XX/XX/XXXX again and spoke with XXXX XXXX who replied via email that I will be your single point of contact until a resolution is found. I sent her 4 emails between XX/XX/XXXX and XX/XX/XXXX along with 3 calls and did not get a reply. On XX/XX/XXXX I emailed XXXX XXXX customer service, XXXX XXXX and copied Ditechs XXXX XXXX and XXXX XXXX and explained the situation and also included my banks stamped copies of my bank statements. XXXX XXXX did reach out and forwarded my email to XXXX customer service on XX/XX/XXXX and I also included a proof of payment statement from my bank. To date there has been no reply via email, phone or mail from Ditech. Even when I was unemployed for 8 weeks I have continued to pay my mortgage and even payed over the minimum to Ditech and XXXX XXXX. This has been very stressful for my wife and I and we do not feel that we should be bearing the brunt of accounting lapses. We have tried to communicate as respectfully as we can during the past 4 months and neither institution seems to care about the {$950.00} payment we made. Every month we continue to get late notices, phone calls and text messages about the alleged missed payment. We dont have money and do not plan to make a double payment and we hope that you can further look into this matter since we dont seem to have any pull.
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Experian : XX/XX/2020 I tried to log in and it said incorrect password. I tried to reset pswd and it said no user. I asked for user and it said it was sending it and it didn't. Next day it allowed me to log in with the same info I used the day before but then would say oops call when I tried to work with my credit freeze. I called. Response was you will be helped in 15 min. 37 min later I hung up. when i go to sign in half the time its says incorrect and the other half it works but it never allows me to do anything once it signs me in. Meanwhile I need to turn off a credit freeze for my job to give me a security clearance. This company needs to have its doors shut as it has too much power over our lives with its horrible processes!
Consumer complaint received 2020-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

i sent capital one /walmart my payment of XXXX which was due. i sent it on time thru internet. on XX/XX/2020. they receives it on XX/XX/2020. i had a three way calling with cap one, representative XXXX and the XXXX  representative XXXX and myself. The XXXX   representative XXXX told representative ms , XXXX that capital one / walmart received my payment of XXXX on XX/XX/2020. after they look for my payment they finally found it. but now they are charging me a late payment of {$39.00}. I need you to please contact them and ask them to waive and deduct that late payment cause its not my fault they lost my payment, i pay it on time. please help .thank you ... .p.s.. my cap.one / walmart acct : # XXXX.transaction # the received it is XXXX
Consumer complaint received 2020-02-24
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. (PA)

Dispute was started as the credit report contained items that exceeded the time they could be legally reported. The accounts were both from XXXX XXXX XXXX, XXXX and XXXX. Two other credit agencies confirmed and deleted the accounts ; however, Experian still maintains as accurate as reported. Similar to other issues with Experian in the past, how can Experian verify information when the other two major reporting companies confirmed and deleted the information?
Consumer complaint received 2017-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

I opened a chase sapphire preferred credit card sometime in  XX/XX/XXXX  to  XX/XX/XXXX . After a few months and a couple of transaction, I decided that I did not like the card and ask the representative to close my card or convert it to a different without a fee, as the  Chase Sapphire Preferred card ha s an annual fee of {$95.00}, which is waived the first year.  <P/> Fast forward to  XX/XX/XXXX , and I have n't used the card in many many months ( almost a year ), and I find out that my card has n't been closed and I 've now been charged the annual fee even though I c ontacted Chase to close/change   my card almost a year ago.  <P/> I do n't recall how I contacted them and there is no record of my initial contact because if I did it over the phone, I did n't record the conversation, and if I did it online on their secured messages, they purge the messages on their end.  <P/> This is a deceptive practice b y Chase.
Consumer complaint received 2021-04-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

On XXXX XXXX I sent my money to my own email address, I was trying to read their support page about sending money to own eamil address and it clearly state they will automatically refund within 30 days, I also emailed Coinbase straightaway and they reply and say the same as in the support page to wait for 30days ang they will refund me back, 6 weeks past still i need not receive the money i emailed them back again and they said to wait again for another 15 days, this is getting rediculous anymore! The amount was XXXX.
Consumer complaint received 2020-02-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (MD)

Back in XX/XX/XXXX, I had a car crush and the insurance declare it total loss, so they told me that they will paid off my car. The insurance send the check to the ally finance bank and they cash out the check. However, they have not credited it to my account yet and whenever I call, they just transfer me to the department of total loss. it has been a little more then two months trying to reach them, but they never answer. their voice mail says leave a message and will return your call ; they never do. until this point they have not given me an answer and I do not know what to do. I have tried to talk to customer service but they also don't help me ; they just transfer me to the total loss department, but it always the same they never answer. the Ally Finance has been taking the car 's monthly payment even though ; they already got the insurance payment.
Consumer complaint received 2020-02-24
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: Experian Information Solutions Inc. (MN)

The following credit inquiries listed on my Experian and XXXX   credit report are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX
Consumer complaint received 2019-08-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (OH)

I feel like my credit card company is over charging me late fees for the credit card I need to pay off. I’ve been pay $XXXX  since the beginning of the year every month when called to ask what the remaining balance still is they said it was still 4,000plus that’s what it was starting off so I’m not sure why it hasn’t gone down after all these months.
Consumer complaint received 2020-02-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

In XX/XX/2015 I was granted a loan modification with wells fargo. I just found out 5 years later after attempted to refinanced that wells fargo had a place a second morgage bu placing a partial payment lien with HUD without ever discussing this with me and solicited my signature on the document. Wells Fargo has extended my terms twice, increase my interest rate from 4.1 to 4.75 %, and my payment by {$400.00} and still place a excessive charge of {$110000.00} in back payment, interest and fees, this is preditorial and has taken me upside down in my home. I need help with my dispute with wells fargo please.
Consumer complaint received 2020-02-24
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of bills I kept receiving in the mail. I have never heard from the place before. Therefore, I suspected identify theft. When I received my report I was caught by surprise with a couple of things I have never heard of. The things on this application do not belong to me. Please remove these items from my report.
Consumer complaint received 2019-08-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AZ)

I have been receiving multiple phone calls, emails, and voicemails from quicken loans trying to get me to refinance with them. I am currently a quicken loans client but after this incident I will no longer do business with them. Some days I would receive over 10 calls even after I kindly told them to take me off of their list on XX/XX/2019. The emails, voicemails, and calls have been going on for over two weeks.
Consumer complaint received 2020-02-24
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. (AR)

I decided to get my credit pulled due to a couple of bills I kept receiving in the mail. I have never heard from the place before. Therefore, I suspected identify theft. When I received my report I was caught by surprise with a couple of things I have never heard of. The things on this application do not belong to me. Please remove these items from my report.