davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (AL)

I have written this company twice asking for debt and they have not shown me anything verifying that I owe them. They sent me an invoice with a totally different company name saying that this was proof. The invoice that they provided is not accurate because I have never had an account with   XXXX   XXXX   XXXX   but they are trying to collect for   XXXX   XXXX  . The account is well over 10 years old and they are still trying to collect on it. Cavalry Portfolio just purchased this account from another collection agency.
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (MD)

I had a XXXX  prepaid card and had several foreign transactions that were unauthorized I disputed the transactions totaling {$1300.00} they promised the issue will be resolved within 10 business days which was supposed to be set for XX/XX/2018 I called and the company told me it won't be resolved until XX/XX/2018 almost 5months! From my initial dispute date I want a full refund from this company they closed my account so I cant receive my provisional credit I need you to step in thanks. You
Consumer complaint received 2017-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates i s falsely validating a debt in the amount of {$1500.00}. They are reporting this false information to all three credit bureaus. Portfolio is also using fraudulent collection practices to collect on false debts. They issued me a Check in the amount of {$30.00} and asked me to sign the back of it and cash it. I do n't recall such claim that should result in a check being issued to me and requesting my signature. They stated on the check that is for a litigation I am receiving a refund and that I must sign this check and negotiate it.  Claim number:  XXXX  Ch eck Number:  XXXX  Check Amount {$30.00} Check Date  X/XX/2017   . There is no such claim that I ever participated in. I received this check after I disputed a false account that they are trying to collect on. The are saying that it is a settlement approved by the court. I requested Validation of a contract with my signature on it for the account that they are reporting in the amount of {$1500.00} They have NOT provided me a copy of ANY original documentation, a consumer contract with my signature on it as required under Section  609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A  ) of the FCRA they are required to promptly DELETE all information which can not be validated or verified.
Consumer complaint received 2017-06-08
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: EQUIFAX, INC. (MO)

The item currently in dispute is a  XXXX  that was issued in my name without my knowledge by  XXXX . The amount owed is approx. {$1700.00}. Over a year ago, I discovered several fraudulent accounts on my credit report through the major credit bureaus when inquiring about a refinance of my home mortgage loan. After receiving my credit score report from  XXXX , it stated that this account is scheduled to continue on record until  XX/XX/XXXX . I immediately contacted each company to inform them that the accounts were fraudulent and requested to remove them from my name and to deactivate the credit cards and loans. Unknown to me at that time, some of the accounts had been open for several years. I had never heard of most of the companies before. I 've had several conversations with  XXXX  requesting them to remove my name from this account because the card was never received, activated or used by me. In  XX/XX/XXXX , I provided a copy of a police report and continued to try to convince them that I did not own, use or authorized anyone else to use the credit card. The latest letter I sent was on  XX/XX/XXXX , as a follow up from my phone conversations with their representatives that took place on Friday afternoon,  XX/XX/XXXX  and Monday morning,  XX/XX/XXXX . The purpose of the phone calls and letter was to continue my dispute of the fraudulent  XXXX  and to advise them that the information from their investigation is inaccurate. I am requesting that  XXXX , or its affiliate agency,  XXXX   XXXX   XXXX , or collection agency,  XXXX , remove my name in its entirety from this fraudulent credit card account. Prior to these PII incidents, my credit score was excellent.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

Upon reviewing my credit report, I discovered that I have been a victim of identity theft and identified several unauthorized credit inquiries. The following are inquiries that I do not recognize : 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 XXXXXXXX XX/XX/XXXX. I kindly request that these fraudulent inquiries be removed from my credit report. I also attached my identity theft report as well.
Consumer complaint received 2018-07-03
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. (NY)

I'm writing to please ask for some help to get this fraudulent item remove from my credit report it is causing a lot of heath issues i have XXXX XXXX XXXX i have to get alot more medication because of this fraudulent account on my credit report its the next step i will have to get my attorney to help me out about this issue
Consumer complaint received 2017-06-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (AZ)

When I open my mortgage with US Bank I was told that I could repay extra principal and withdraw extra principal by calling the US Bank Mortgage Call Centre. <P/>I have paid over {$70000.00} in extra principal and US Bank is now stating they never had an agreement to give me this money.
Consumer complaint received 2017-06-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To Who  m It May Concern, Yesterday my husband and I had property SOLD and left with a check to be deposited.
We deposited the check into our JOINT Checking Ac  count . ( Bank of America ) Within 12 hours there was thousands of dollars being processed/withdrawn out of our JOINT Checking Account. The company that withdraw the monies, was n't indicated at all in our JOINT Checking Account statements. There was no ALERT! that was indicated to us with our online Accounts at all.   <P/> Of course, we immediately went to the closest Bank of America to see what on earth was going on with this particular account mentioned above.  <P/> 
The Bank of America Manager found out that it was a Credit Card issued back in the early  XX/XX/XXXX  through my husbands company which has been CLOSED since XX/XX/XXXX . They indicated that    the last payment wa s XX/XX/XXXX . The  Credit Card was through the company which was also a LLC. My husbands name was the ONLY name on the Credit Card. Not mine.  <P/> The monies that were withdrawn is also mine. Th e Checking Account is also a JOINT Acc ount.  XXXX  Bank of America fraudulently withdrawn monies out of a   JOINT Checking Account  XXXX   XXXX   Please note, there was no notice by mail or phone calls to Alert us of any problem or issues to resolve any matters with Bank of America.
<P/>  There needs to b  e ACTION taken against Bank of America.
<P/>  My husband and I are retired and only get a small amount per month through social security. This Sale of t  he Property was to be a small cushion of security which was taken away from us like a thief in the night.
<P/>
Please let us know what ACTION must be taken so we can proceed to go further and have our monies returned to us.    <P/> Thank You.
Consumer complaint received 2017-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CO)

In XXXX 2017 I received an attractive offer for a Chase - Southwest Airlines credit card. The offer said I would receive {$100.00} credit, plus XXXX points in my Southwest frequent flyer account. I applied for the card, but Chase rejected my application. The rejection letter, dated XXXX XXXX 2017, stated Too many credit cards opened in the last two years associated with you ( please see the first page of the attached document ). On XXXX XXXX 2017 I called Chase and complained about it. I was told the decision couldnt be reversed. On XXXX XXXX 2017 I called Chase again and asked How many credit cards opened in two years is too many? The agent failed to answer my question. Ironically, on XXXX XXXX 2017, shortly after my credit card application was denied, I got an offer from Chase for a home equity line of credit ( please see the second page of the attachment ). That clearly shows that Chase considered I was a reliable customer. In addition, at the time my application was rejected I had two Chase credit cards. Both were always paid in full ( I had autopay set up ). Last but not least, I have an excellent credit score. My honest opinion is that Chase bank declined my application because it did not want to honor the bonuses.
Consumer complaint received 2018-05-29
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: Experian Information Solutions Inc. (FL)

Experian refuses to investigate the following accounts that are fraudulent. These accounts do not belong to me. I have contacted experian online and they refuse to accept my dispute online. The also refuse to connect me to a representative to handle my dispute over the phone. They have been fraudulently re-inserted onto my Experian credit report.The following accounts are not mine : XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. # XXXX XXXX. XXXX XXXX- 4 accounts # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . # XXXX
Consumer complaint received 2017-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (HI)

XX/XX/XXXX- Paid our account in full in Good Faith using my Trust Account at the Federal Reserve Bank which has my name on it and my Social Security Number. Payment processed and posted on the same day. No notification sent to us of any problem. When I checked the account a few days later, saw that the payment was " Returned ''. I immediately made another payment using my personal bank account. Payment was actually made earlier than the due date. That payment processed, no problem. XX/XX/XXXX- Received letter from Chase in mail stating our account was closed due to a " recently returned payment.. '' and that XXXX provided them with the information that influenced the decision???? The letter was from Chase 's Risk Department. My wife phoned the Risk Department today while I was working and was told that even though we were in good standing, the account was closed and is irreversible due to the returned payment from XX/XX/XXXX. In the middle of her conversation, something happened with her cell phone where the agent at Chase could no longer hear her speaking..?? The authorization I gave Chase for her to speak on my behalf is only good for 24 hours, so that was the end of that conversation. Per the Board of Governors of the Federal Reserve Bank 's RULES & REGULATIONS regarding ACH payments, all ACH payments are immediate, final and irrevocable. The Federal Reserve Bank should not have " reversed '' my payment, nor do they have the authority to use or stop any payments on my Trust Account. As a result of this, Chase bank closed my account and will not consider re-opening it. They deemed it a " Risk Concern '' and closed without checking it out. Per HR192 enacted on XX/XX/XXXX, it is our birth right to discharge debts using this Trust Account and I have acted upon this information given to me IN GOOD FAITH. On a side note, Chase closed my account TWO WEEKS AFTER the returned payment and then, on XX/XX/XXXX, entered a " Purchase Interest Charge fee '' of {$220.00} -- AFTER they closed my account. The whole thing is very suspicious and the fraud risk evaluation needs to be done on their bank, not on me the consumer.
Consumer complaint received 2018-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I been disputing for months, with Experian and XXXX and the company, LATE PAYMENTS on XXXX-XXXX # XXXX account that not belong to me. 
Because of this I was denied credit ; I beg you for your help to solve this problem ; I tried to fix this inaccuracy myself but I never received a satisfactory outcome.
Consumer complaint received 2018-08-07
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc (TX)

I am submitting this formal complaint to report the very, very, very abusive tactics of Hunter Warfield Inc. 

I was shocked when I called to inquirie about a debt of {$230.00}. 

I also clearly verified myself and stated clearly " I AM CALLING TO REQUEST SOME TYPE OF FAIR SETTLEMENT TO PAY THIS OFF AND CLOSE THIS OUT COMPLETELY ''. Apparently, I was billed for a little over {$120.00} that I was completely unaware of and this company has added exhorbent, unreasonable fees. 

I simply asked them to make a FAIR ADJUSTMENT so that I can pay this fair amount off. 

I am shocked that I was met with being BULLIED, LIED TO, HUMILIATED, PASSED TO ANOTHER AGENT WHEN I ASKED FOR A MANAGER. 

XXXX XXXX AND XXXX XXXX XXXX alias if not real names made every effort to Badger, Belittle, Provoke me, Disrespect me, Misrepresent the simple facts of payoff request discussion. Worse of all they continued to demand the address of the Safe house or Women 's shelter that had to assist my leaving a dangerous, life threatening situation. 
I offered my police report, crime victims address- but they kept badgering and so disrespect me. I was shaken over a simple matter and simple request for fair final payment request. I even asked over and over what amount might I pay to FULLY RESOLVE this and XXXX it. ( I only owed one other creditor. I called them-they faxed settlement letter, I paid full amount as agreed ) ; but, Hunter Warfield agents are dogmatic, ABUSIVE, demeaning and disrespectful while I WAS TRYING TO PAY A FULL FAIR SETTLEMENT TO XXXX THIS.
Consumer complaint received 2018-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I disputed a debt on my credit report from Portfolio Recovery Associates assignee of XXXX   XXXX. I do not recall this debt & it was removed from my credit report. I then received notice I was being sued by them. I asked for trial by jury and the jury, before I entered the jury room I was told that I could not use the fact that they have harrassing my family or bring up any cases where they have been reprimanded and ordered to fix their practices. lol ng story short the jury sided with me. Said I owed them nothing. I now have a notice from the Justice of the Peace court that my case was appeled. I feel this is a form of harassment & I am hopeful for some help. I have no idea what to do.
Consumer complaint received 2017-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (TX)

I noticed  XXXX  collections on my credit report from Americollect. I sent for validation of the debt since it did n't state who the original creditor was. it only had  XXXX  and one for  XXXX . Americollect never responded, yet they continue to report this inaccurate information on my credit file. This agency is not bonded to collect in my state. They are operating illegally and they are violating the laws of the Fair Debt Collection Act.
This agency never sent me a letter or anything notifying me that they were putting anything on my credit.
Consumer complaint received 2018-08-07
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: Onity Group Inc. (OH)

Ocwen agreed to a modification in XX/XX/XXXX but with their agreement they promised to clean all lates as to provide us with a true fresh start. This was the third modification attempted and it finally worked out. We retained a lawyer to help. The initial modification was rejected by their error on XXXX, XXXX XXXX and that would have had us with a four year clean mortgage payment history.
Consumer complaint received 2018-05-30
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. (AL)

In XX/XX/XXXX, due to identity theft, account compromise, fraud, this account, was closed, the new account create was using a different name, as it references the information that I was given to correct this concern/issue. However, recent reviews of each of the credit reporting agencies, Experian, XXXX, and XXXX, each of these accounts year to date credit reporting ends in XX/XX/XXXX. There appears to be no credit reporting since XX/XX/XXXX on or for most of these accounts that are reporting to each of the three credit agencies.

May I ask how this can be corrected immediately? Some reporting companies are reporting inaccurate information as well. It is important to note that I have a contract on some property, and an agreed upon mortgage, it is requiring a large down payment. These errors are significantly impacting each of my credit scores. Can you or will you assist me in resolving these concerns, in a timely manner, I do not want to lose my contract, I really would like to be a home owner. This occurs each time, I attempt to purchase a home. Thank you in advance for any consideration that can be given.
Consumer complaint received 2018-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XX/XX/2017, due to identity theft, account compromise, fraud, this account, was closed, the new account create was using a different name, as it references the information that I was given to correct this concern/issue. However, recent reviews of each of the credit reporting agencies, XXXX, XXXX, and Transunion, each of these accounts year to date credit reporting ends in XX/XX/2017. There appears to be no credit reporting since XX/XX/2017 on or for most of these accounts that are reporting to each of the three credit agencies.

May I ask how this can be corrected immediately? Some reporting companies are reporting inaccurate information as well. It is important to note that I have a contract on some property, and an agreed upon mortgage, it is requiring a large down payment. These errors are significantly impacting each of my credit scores. Can you or will you assist me in resolving these concerns, in a timely manner, I do not want to lose my contract, I really would like to be a home owner. This occurs each time, I attempt to purchase a home. Thank you in advance for any consideration that can be given.
Consumer complaint received 2018-05-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (VA)

I contacted Santander Consumer USA about my car loan on XX/XX/2018 to discuss a payment plan. I was denied. I explained that I was experiencing a loss of income and wanted to modify the loan. The Agent met with a supervisor and flat out denied to offer any assistance stating " there is nothing we can do '' I explained I could set up a payment for the next week but needed to look at the dates first. The agent went on to say the car was assigned and good luck. When we bought the car I was forced to purchase GAP insurance which I was told that the bank requires it. This extra monthly amount put the monthly loan higher than what I can afford. The Interest rate is excessive and I am paying XXXX per month for a car that is worth XXXX ( Owe XXXX ) thus upside down. I have been paying this loan for 3 years '' struggling '' with the payment. Santander refuses to help me and/or modify as I know is possible upon hardship circumstances which I am in. XXXX XXXX, the dealer I bought the car from spoke to me about 3 months ago and offered the same model car but a XXXX   for XXXX per month which made me believe that something is wrong. I have tried to work with the bank and am willing to continue but I am not able to continue at this current rate or without assistance. Additionally, the bank is calling almost 10 times per day which is excessive and no correspondence has ever been sent. I believe that this loan is symptomatic of excessive interest, and the fact I was forced to buy GAP really is consumer preying. I am asking for help as this situation is causing credit issues and financially burdening and stressful but Santander seems that they will not help. I know notes can be modified for good cause yet they refuse. I am also upset that I was forced to add GAP by the bank because of the extra monthly expense. Can I please get some help with this matter?