davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (GA)

XX/XX/XXXX XXXX XXXX XXXX. 

Frequent calls, usually 10-15 per day from numbers that were all different. The call back number they left me on a written letter was a number for a " you just won a {$100.00} XXXX XXXX gift card '' number. ( XXXX ) They are claiming to be collecting a debt from XXXX which I have researched both XXXX and this collection agency and the collection agency has multiple cases filed with the BBB as a scam. They are also affecting my credit score with XXXX as this is not the first time they have called me or sent me mail. They often call after well before buisness hours with the latest call being at XXXX XXXX. 
The amount they are attempting to collect is {$2800.00} and stated on the letter sent in the mail via USPS that the amount was due in full by XXXX XXXX 2017. Also the address the document attached below was sent to is not my address.
Consumer complaint received 2018-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF THE WEST (MN)

during the summer of 2017 my home was damaged by hail. I turned a claim in and the insurance company sent an adjuster out. the insurance company issued a check which was made out to myself and Bank Of the West. I signed the check and asked BOW to deposit it in my acct. Bank Of the West never put the money in my account, but rather held it till the repairs were completed. well the repairs were completed a month ago, and the cost was much higher than the insurance believed it would be. I paid the last {$2000.00} out of my pocket, but yet Bow wont release the remaining {$890.00} from the insurance settlement. I own the home, I own the policy, and I paid for the repairs. My mortgage is current, it has never been slow, short, or not paid. I believe the Bank of The West is guilty of insurance fraud since they are withholding funds that were destined to be used on the repair of my home.
Consumer complaint received 2018-01-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NV)

I fell behind on my mortgage. I hired an attorney to help me apply for a loan modification. My attorney faxed in my application and a third party authorization to Carrington Mortgage on XX/XX/XXXX. My attorney has been calling Carrington since then and they claim they still do not have the third party authorization uploaded into their system. They confirmed they had the application but they are purposely evading allowing my attorney to speak with them and thereby evading review of my application. As of today XX/XX/XXXX they still have not recognized my attorney 's third party authorization. They then tried to call me today on my cell phone asking for me to speak with them. I told them my attorney faxed you an authorization over a month ago and Carrington has purposely avoided recognizing that authorization. They tried to tell me they are missing paperwork and I told them I have an attorney and my attorney is the one who is handling all of this for me. Carrington is obviously trying to block my attorney from being able to help me. They evade review. Avoid conversations with my attorney by falsely stating they ca n't see the attorney 's authorization, however they can see my financials and application which was sent the same day with my application. My attorney says this is against RESPA Regulation X. Carrington is not allowed to evade review and they are now over the 30 day limit allowed to completely review my file.
Consumer complaint received 2018-04-19
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/XXXX Fifth Third issued a XXXX 's Check # XXXX for {$22000.00} and on XX/XX/XXXX it issued another one # XXXX for {$7000.00}. Both of these checks were purchased by me, XXXX XXXX, to pay a construction company to replace my deck. The checks were marked " Pay to the order of : XXXX XXXX XXXX ''. On XX/XX/XXXX and XX/XX/XXXX, a person named XXXX XXXX XXXX signed just his own name to each of the Cashier 's Check s and then photo-deposited them into his personal XXXX Bank account. XXXX accepted the deposits and sent the checks to Fifth Third for payment. Fifth Third, without validating that the endorsements were full and proper, paid over on the checks to  XXXX. XXXX XXXX XXXX then withdrew the {$29000.00} from his personal account and left town. Fifth Third had a very high duty of care to make certain the checks were properly and fully endorsed by the named payee, and they failed to do so. They should not have accepted the checks from XXXX, endorsed as they were. Fifth Third 's negligence in accepting the obviously improperly-endorsed cashier 's checks ultimately allowed the money that was specifically payable to " XXXX XXXX XXXX '' to go elsewhere. Their failure to validate and enforce the proper endorsement has left me, the Fifth Third customer and the Remitter of the checks, exposed to a lawsuit by XXXX XXXX XXXX, who never received payment for their work. XXXX 's XXXX, by their nature, are designed to be a secure form of payment, but only if they are treated with diligence and proper attention. Fifth Third 's error has left me in a bad spot both legally and personally and I demand they make good on the two XXXX, and immediately issue payment of the {$29000.00} to XXXX XXXX XXXX. If I am sued, I will certainly join Fifth Third in that suit, I will have no choice. This issue is not going to go away until Fifth Third corrects its error.
Consumer complaint received 2018-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I have a XXXX XXXX account that went into collections with Portfolio Recovery Associates, both are showing on my credit report for the same account. This is a violation of the Fair Credit act and I have requested that it be corrected.
Consumer complaint received 2018-04-20
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (SC)

We called Wells Fargo to do a foreign currency exchange. During the call we were told there would be a {$7.00} charge if we did the exchange on  line. When we got home from the bank with the currency we ordered we realized that the bank had taken about 10 % off the exchange rate in addition to the {$7.00} fee. At no time were we told there would be an exchange rate conversion fee or what that amount would be. I understand that this is a small amount but believe this to be a trick for them to take money from unsuspecting consumers.
Consumer complaint received 2018-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC (AR)

I wrote XXXX/Continental Finance Company on XX/XX/XXXX for a goodwill adjustment. On XX/XX/XXXX, I received a letter back stating the adjustment would not and/or could not be modified or delete the request. I again wrote again to XXXX/Continental Finance Company on XX/XX/XXXX and received a letter back XX/XX/XXXX stating the same exact thing a before, the adjustment would not and/or could not be modified or deleted. I have called several time and spoken with many representatives there and the late payment that is reporting for XX/XX/XXXX could not be verified in the system. I have also emailed the customer service email address trying to rectify this issue.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

I rented an apartment at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I get renters insurance with XXXX Based upon a report from LexisNexis Risk, Reference #, XXXX, XXXX raised my deductible due to a prior loss. It wasn't my prior loss. There was supposedly a theft at the unit and an insurance claim to XXXX 's by a prior tenant. There are several issues. I contacted LexisNexis as per their instructions to get more information and they said they couldn't find any information matching my data. Of course, they couldn't. It wasn't my loss. I made no such insurance report or claim. 
XXXX was able to give me the XXXX XXXX claim number which was on their copy of the LexisNexis report. I contacted XXXX XXXX. The unit wasn't robbed. There was no apartment theft. A prior tenant had a bicycle stolen from the garage. I don't even own a bicycle. Their record about what happened is wrong and it can cause me a loss. XXXX told me as long as the LexisNexis Report shows a theft, there is nothing underwriting can do and I'm on the hook. I need to get this report fixed. I can't even go to another insurance company as long as there is an incorrect public record. I'm going to run into risk rating issues.
Consumer complaint received 2023-07-27
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: DISCOVER BANK (MI)

In XXXX of this year, 2023, this case was responded to as " resolved. '' This matter is not resolved. I am not paying for something I did not do. I will no longer speak with Discover directly, as they are unprofessional, rude, and are unable to respond in a timely manner. 

I can no longer dispute the charges automatically on the Discover website as the timeframe has passed, but I lodged a complaint in XXXX. It still has not been resolved, despite what Discover has said.
Consumer complaint received 2018-01-24
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: EQUIFAX, INC. (WA)

Last XX/XX/XXXX, I sent this company a dispute letter disputing several items that have been reported incorrectly and notified them what these issues are. To my dismay, upon downloading my credit report today, XX/XX/XXXX, my credit report still shows incorrect information and several missing information. From remarks/comment saying that the account was disputed to inaccurate and incomplete payment history. They are incorrect information as well such as the account opened date and Highest balance. Attached to this complaint is a copy of the letter I sent this company dated XX/XX/XXXX
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion had a nationwide system glitch during which all my credit inquiries were removed. Transunion failed to provide me a written notification of the glitch. Few days later all inquiries including some that I did not recognize were reinserted to my credit file without written notification. 
The law requires Transunion to provide a written notification anytime it encounters a system glitch. Transunion failed to do so. 
When contacted, transunion fails to own the responsibility and the representative is of no help. 
I would like transunion to remove all my hard credit inquiries as it has failed to notify me of the system glitch and reinserted additional inquiries that I do not recognize.
Consumer complaint received 2021-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (MD)

Received a credit card from Chase, Freedom Unlimited with a credit access line for {$12000.00}. All I had to do was verify receipt of my card by calling XXXX. I called number and was asked for my credit card number and SSN. I didnt provide and hung up. I then tried to reach Chase via other phone numbers researched on internet but was unsuccessful in reaching a person to talk through receipt of credit card that I did not apply for. 

This is fraudulent business practice that an unsuspecting individual may fall for and get stuck with a cc that changes over 20 % in interest. Especially for individuals that may have been laid off during the pandemic I want to be on a do not ever contact me list with all JPMorgan Chase Affiliates.

Regards, XXXX XXXX
Consumer complaint received 2018-01-23
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (NY)

I opened a credit card account with Chase when I moved to XXXX XXXX XXXX in XXXX. I used that credit card often and made regular payments with them while living in New York. Then at the end of XX/XX/XXXX/XX/XX/XXXX, I moved to XXXX and moved by banking account from Chase to XXXX, which had local branches nearby. I thought I had paid my entire credit card balance at Chase before leaving New York and had explicitly instructed my banker upon closing my account in person that I wanted to pay off my credit cards. But after closing my checking and savings there was still a small balance on the credit card. With my auto pay not set up because I had closed by checking and savings, the account was not paid. And because I had moved out of New York, I did not receive notices from Chase, who did n't have my correct contact information, informing me that I had an overdue balance. That balance went overdue for 90 days before I resolved the claim, which has destroyed my credit. I did not miss the payment because I could n't pay or did n't want to pay : it was because I did n't know that I needed to pay. And now I am not able to get access to credit because in large part Chase 's failed to alert me to the matter. It was n't a failure in credit payment ; it was a failure in communication, largely on the part of Chase. 

Despite having very significant credit availability today and not missing a payment in over 3 years, I still today have poor credit and can not qualify for a business loan that I desperately need, even though both my credit payment history is exceptional except for this event ( no missed payments in 3 years ) and also I have a great income and no existing debt. I have tried to resolve this situation with Chase bank, but they said they are unable to remove the claim or modify it to a shorter duration such as 30 days or 60 days, which would dramatically reduce the credit impact of the event. 

Considering, I was n't aware of the delinquency for such an extended period and the nature of the move, I do not see it as fair for my credit to be substantially impaired for another 4 years ( I am now only 3 years removed from the event and credit events last on your record for 3 years ). It was a logistical error, largely on the part of Chase. 

I have contacted Chase Credit Reporting Services, and they said that under no circumstances are they able to change their credit reporting to the credit bureaus. I have contacted the bureaus and my appeals are in process.
Consumer complaint received 2018-01-23
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: National Credit Systems,Inc. (WI)

A collection # XXXX was started by National Credit Systems , Inc. for an amount of {$5300.00}. This debt was for the apartment lease of my estranged adult son. I did not sign or cosign a lease. I called the landlord, XXXX ( XXXX XXXX XXXX ), and they were very apologetic. There was no cosigner agreement on file or any attempt to use my social security number or personal information fraudulently. They wrote an apology on XXXX XXXX 2017 and provided a release from National Credit Systems on National Credit Systems ' letterhead. Everything appeared to be fine until a derogatory report/collection action appeared on my XXXX credit report in XXXX of last year. I immediately disputed the report with both National Credit Systems and XXXX. National Credit Systems claims that I was removed from their collection and multiple XXXX representatives ( at least 4 ) have said that it would be removed from my credit report after 48 hours. It has not been removed and has affected my ability to obtain a credit card even with a XXXX FICO and otherwise blemish free credit history. 

Here is the fax cover letter I sent to XXXX : Ive attached two documents in support of clearing the collection action on my credit report with confirmation # XXXX. The debt is not mine. I did not sign or cosign a lease with The XXXX XXXX or ever live in their apartments. The XXXX XXXX started a collection action with National Credit Systems , Inc. and National Credit Systems erroneously tied my name to the collection action. They do not have my social security number, a signed lease, or a cosigner agreement on file. 1. The XXXX XXXX wrote an email apologizing for the error and confusion. They instructed National Credit Systems to  remove my name from the account and collection action. Ive attached that email sent XXXX XXXX, 2017. 2. National Credit Systems complied and sent a retraction to me and The XXXX XXXX on their letterhead, dated X/XX/2017, removing my name from the account and stating that they would no longer pursue me for the recovery of the account. They also stated that any derogatory credit listing would be removed promptly. Ive attached a copy of their letter. Several voicemails over several days have simply gone unanswered by National Credit Systems. Please immediately remove the National Credit Systems , Inc. collection listing from my report. 

Thank You,
Consumer complaint received 2017-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd. (DC)

To Whom It May Concern : I have been billed repeatedly by the Collection Bureau of America after the water tank had been returned. The bill states that I owe over {$300.00} and interest continues to accrue. 
I need to have this bill settled and satisfied. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-01-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION (AZ)

My name is XXXX I am having a considerable amount of issues with XXXX XXXX XXXX   when I called to inquire about loan they said what to bring and where I arrived at the office and was taken care of by a trainee who wasnt quite sure how to do everything XXXX the manager I believe was there but as uninformatice as the other lying to me that this was in fact a title loan if approved I would get a XXXX card which I was not approved so they gave me a paper check which it took me over an hour calling places due to the check looking fraudulent they told me my payments each month which I made on time and then I find out that Ll I have paid went to nothing on my loan this is a scam fraudulent to prey on people who need the money I am dealing with XXXX and didnt need to be frauded lied to or deceived and believe that they need to be represmaded for this it is inexcusable to put less fortunate in this position as I never would have taken the funds had I known this was an interest only loan I then requested to change date as it interferes with my rent I am on XXXX only and not married my roof over my head comes first but they refused to accommodate my need to change the date by one week I spoke with many people working for this company and a different story always in 2 days my pay off went from XXXX to XXXX and each payment made increases the loan I am sick over this mainly due to being lied to and scammed into accepting something I should have never received due to my status
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Paypal Holdings, Inc (CA)

On XXXX XXXXXXXX XXXXXXXX PayPal indicated that my accounts were " permanently suspended '' for " violation of the Acceptable Use Policy. '' PayPal declined to indicate which provision of the Acceptable Use Policy was allegedly breached or what activity led to the closure. Upon review of the acceptable use policy ( reproduced below ), there are no sections that I have violated. As such, this closure is in error, and my accounts should be reopened. My wife 's accounts were similarly limited without explanation. 


Acceptable use policy as of XX/XX/XXXX : Acceptable Use Policy Last Update : XX/XX/XXXX print You are independently responsible for complying with all applicable laws in all of your actions related to your use of PayPal 's services, regardless of the purpose of the use. In addition, you must adhere to the terms of this Acceptable Use Policy. 
Prohibited Activities You may not use the PayPal service for activities that : violate any law, statute, ordinance or regulation. 
relate to transactions involving ( a ) XXXX, XXXX, certain controlled substances or other products that present a risk to consumer safety, ( b ) XXXX XXXX, ( c ) XXXX, ( d ) items that encourage, promote, facilitate or instruct others to engage in illegal activity, ( e ) stolen goods including digital and virtual goods, ( f ) the promotion of hate, violence, racial or other forms of intolerance that is discriminatory or the financial exploitation of a crime, ( g ) items that are considered obscene, ( h ) items that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction, ( i ) certain XXXX oriented materials or services, ( j ) ammunition, XXXX, or certain XXXX parts or accessories, or ( k ) certain weapons or XXXX regulated under applicable law. 
relate to transactions that ( a ) show the personal information of third parties in violation of applicable law, ( b ) support pyramid or ponzi schemes, matrix programs, other " get rich quick '' schemes or certain multi-level marketing programs, ( c ) are associated with purchases of annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card, ( d ) are for the sale of certain items before the seller has control or possession of the item, ( e ) are by payment processors to collect payments on behalf of merchants, ( f ) are associated with the sale of traveler 's checks or money orders, ( h ) involve currency exchanges or check cashing businesses, ( i ) involve certain credit repair, debt settlement services, credit transactions or insurance activities, or ( k ) involve offering or receiving payments for the purpose of bribery or corruption. 
involve the sales of products or services identified by government agencies to have a high likelihood of being fraudulent.
Consumer complaint received 2018-04-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (IN)

A couple weeks ago this company put collections on both my XXXX XXXX and XXXX credit reports - MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX  I have no knowledge of this debt, and no one from this company has attempted to contact me before reporting it to the credit bureaus.

I have tried to contact the company, and it seems like a complete scam. No one answers the phone.