davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (DC)

I previously filed a notice of direct dispute with several collection agencies ( namely XXXX XXXX doing business as " XXXX '' & " XXXX XXXX '' and XXXX XXXX ), under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information reported to my credit file in XXXX for entries made to my credit report at XXXX and XXXX for an amount of {$4400.00} with an original creditor of XXXX XXXX. Both entries were subsequently deleted as the collection agencies were not able to verify/validate that the debt belonged to me as they found the information to be inaccurate or incomplete, or could not verify the accuracy or completeness of the disputed information. As required under FCRA 623 ( 1 ) ( E ). 

However, I received an alert from my credit monitoring subscription that a collection account was added to my XXXX credit report on XXXX XXXX, XXXX. This entry is from Debt Recovery Solutions , LLC, has an account number of # XXXX, is for the amount of {$4400.00} ( identical to the amount for the previously disputed and deleted accounts ), but lists the original creditor as XXXX XXXX. XXXX XXXX is one of the collection agencies, as I noted above, with whom I have previously filed a direct dispute for this exact account and for which they are not the original creditor. I have never had an account with XXXX XXXX. It is my belief that they are re-reporting this inaccurate account in an attempt to fraudulently collect in violation of FDCPA 15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false, and 15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debt -- by re-reporting the account with a different original creditor and placement date to result in a greater negative impact to my credit scores.
Consumer complaint received 2016-06-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Michael Harrison, Attorney at Law (NJ)

I have disputed this debt that I have no knowledge of. I have submitted a police report to let creditor know that my information was compromised. This collection office has not validated this debt which is a violation of the FCRA and my rights as a consumer. They continue to report this inaccurate information which has resulted in denial for credit.
Consumer complaint received 2015-10-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (NJ)

I have received almost daily calls from XXXX since XXXX/XXXX/15. Each time I answer, there is silence on the other end of the line. I received calls from this phone number on XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XX/XX/XXXX, XX/XX/XXXX ( a federal holiday ) at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, and XX/XX/XXXX at XXXX XXXX. 

I looked up the number online and it looks like it might be from Southwest Credit Systems ( a collections agency ) although I have no confirmation of this since no one speaks when I answer the phone. I have never communicated with this agency and just checked all of my accounts and credit reports and nothing is showing overdue or suspicious.
Consumer complaint received 2016-03-24
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (CT)

Synchrony Bank, an institution with whom we have a line of credit, has several times called our cell phones stating that there is a payment due when a payment has been made the previous week. Also we are getting robo-calls to our cell phones from this bank which are intended for other account holders of this bank. This seems to be a violation of both the FDCPA as well as the TCPA.
Consumer complaint received 2015-03-26
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (CA)

I have had a Walmart Credit Card for over 8 years. I pay off my monthly charges on the due date. XXXX it was Walmart Credit Card, and XXXX changed it to a Discover Card, and then late last year XXXX changed it to XXXX Bank Master Card. For the XXXX time I made a mistake on my balance, but was not past due. My XXXX Statement Balance due was {$2100.00}. I then made XXXX payments via XXXX returns of {$1900.00}, {$5.00} & {$39.00} totaling {$2000.00}, leaving a balance of XXXX. I had discovered this error last night and called today and made the {$81.00} balance payment online ; however, the credits more than covered the minimum payment. The error I made was log {$81.00} as a credit in my payment schedule instead of a debit. XXXX Bank had already charged me a {$25.00} late fee & XXXX interest charge for the {$81.00}. I then called XXXX and my late fee and interest charges were reversed. I just called XXXX bank to tell them of their unfair practices ; however, they hang up on me without speaking to me. When they do n't want to listen to complaints, their system becomes totally automated, and they wo n't even answer the phone. Thus, I have been flagged. In addition, I tried to make a purchase online, but the credit card is blocked from making any purchases, just because of their assumption that I am past due 15 days due to an honest XXXX mistake ; when I always payoff my monthly balance, but my credits more than paid off the minimum payment this month. My other dozen credit lines do not do this. They tell me if I have a credit from the last statement purchase, that it also counts as a current payment. and even though I only had a balance of {$81.00} due that I already made, but it really was not past due. XXXX Bank 's convoluted and unfair practice policies, tells me that the credits do n't count as a payment, but yet, my balance was reduced from {$2100.00} to {$81.00}. And then the interested should had been {$1.00} on {$81.00}, not {$12.00}. This bank is like a foreign bank, and it use to be GE Capital Retail Bank. I am outraged, that my credit card was blocked and that XXXX bank and XXXX is assuming I am past due, when I am not. More and more, XXXX 's bad business practice, bad customer service practice keeps getting worse. I do n't know what they get out of unfair practices leading to the loss of customers. I certainly do n't need to use these credit card when I have other dozen credit cards and credit lines. But as a CPA I do n't appreciate of my credit rights violated or unfair credit card practices. The are such illusive polyarchists that they do n't even have the integrity to publish their address on line. Thus, they do n't even care about their customers.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PR)

Good afternoon, I request XXXX, XXXX and experian to update these XXXX mortgage late payments but never did it. Furthermore, I paid a comapany to fix this and for XXXX they delete the mortgage account at all and never receive an explanation for this.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2015-09-22
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (KS)

I am an XXXX year old lady who took our a Financial Freedom loan XX/XX/XXXX. I have had a lot of trouble and feel like the loan was misrepresented. I receive {$1100.00} in Social Security each month. Their rules have changed they say as of XXXX. I have trouble paying the RE taxes, but keep up my insurance. On XX/XX/XXXX they chanced my loan to matured status and say I have 90 days from there to be put in foreclosure. On XX/XX/XXXX they received my request for extension. as of XXXX they have not yet sent it to hud. Say they are too busy, but they have time to call and send all kinds of other harassing stuff. I have been in my home 60 years and am not fit to move. It is tearing me up. I do n't know what to do. They are driving me crazy. I went to a lawyer but I ca n't afford to pay them. I called the counseling places and they do n't return my calls. My banker has tried to help me also with forms. I am helpless as to how to live. Please assist me as you can. Thank you for your consideration.. I sent them XXXX payments that they requested and they returned XXXX and said they did not receive the other. Said they are no longer accepting payments, but they did not send the XXXX on back. Received the XX/XX/XXXX XXXX back for {$250.00}. I have no money for needed items. Sincerely.
Consumer complaint received 2015-07-19
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NC)

Placed my credit card on monthly payment plan many years ago due to financial hard ship. Plan allowed one payment holiday per 12 month period if paid according to agreement, with proper notification to Chase bank. DUring the 5 years, I took XXXX payment holidays, with notification through the Chase on-line access. Chase has these notifications. After the last XXXX, Chase reported my account 30 days delinquent. I filed a complaint, and paid off the account. After review, they reported me late for 6 months, then 90 days late for 1 month.
Consumer complaint received 2016-07-08
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF THE WEST (NM)

I had charges from XXXX in my bank statement from XXXX/XXXX/XXXX monthly thru XXXX/XXXX/XXXX the amount initially was {$12000.00} and the highest charge is {$150.00}. The total charges were {$1300.00}. I contacted the Bank and they contested the charges. The Bank representative indicated XXXX did not dispute the charges and credited back {$410.00} based on the 60 day liability but they recovered a bit more. The debit card in question had the XXXX charges and XXXX other charge for it 's life. I have never had insurance with XXXX. XXXX identified the account in question with the bank card number. XXXX would not assist me for confidentiality reasons even though the representative could see that the account was issued to another person. 

What are my options to have address fraudulent activity when the Bank and XXXX say have done all that they can do?
Consumer complaint received 2016-12-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Debt Management Solutions, LLC (WA)

I obtained a loan thru XXXX XXXX for the amount of {$800.00} and was making regular payments to pay back until I loss my job. I was unable to pay back the remaining so in-turn they charged all the fees you can imagine to it and turned it over to a debt collection agency know as Nationwide Debt Management. I initiated a payment plan with them to settle my debt which was then well close to, if not over a {$1000.00}. I began a regular payment plan bi-weekly over several months paying it down to over half of what was owed. Then my bank sent me a new bank card with a chip and a payment did not go thru. So they contacted me and I gave them the new account info and re-established the payments again. However, when a payment did not go thru ( which was over a holiday ), they contacted me again. So I asked them to reschedule the payment again on a specific date which was the following Friday. However, the agent ( XXXX XXXX ) became very rude and told me " we do n't want your money '', then hung up the phone. I was left with no other choice at that point. So since then, I have been receiving phone calls day and night at home and now, just today, at my place of employment. The lady ( XXXX ) told me she was calling to collect a debt and I told her Not to call me at my place of work again and she then told me " Well you are going to pay this back one way or the other so Good luck '' and hung up. I am XXXX from all these calls demanding payment. No consumer should have to be treated this way. 

Sincerely -
Consumer complaint received 2015-12-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (OH)

JP Morgan Chase is refusing to credit back {$49.00} in fees for {$21.00} in total charges. In total from XXXX XXXX, 2015 to XXXX XXXX, 2015 JP Morgan Chase and Companies Charged my {$150.00} in NSF Fees. Since XXXX of the transactions were for {$6.00} and another was for {$12.00} this would seem excessive to charge me {$68.00}. In addition they also charged a {$15.00} extended overdraft fee. This would be an interest rate of over $ 200 % for less than a week. JP Morgan Chase and Companies policies is that during a year they will only extend courtesy refunds to a certain amount - although they wo n't tell you what that amount is.
Consumer complaint received 2015-07-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: REGIONS FINANCIAL CORPORATION (IL)

Regions Bank has reported we paid are Home Equity line late XXXX times in the last XXXX months. They said they only show that they reported XXXX times that we were late and they agreed to remove XXXX of them. It has not been removed, we have had nothing but problems with them and have moved are personal banking from them some time ago. 

We paid off the line due to the fact we had a house fire at the home and are looking to rebuild. Of course Regions is causing another problem. I would just like the problem brought to a close in a timely manner and i know without the help from the CFPB it will not be brought to a close.
Consumer complaint received 2015-03-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Consumer complaint received 2016-07-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (FL)

I recently checked my credit reports as i have not done so for many years and find that this account is reporting inaccurate information which is causing a negative affect on my credit. 
I request that the creditor verifies the information it is reporting and provide me with copies of the account details such as when it was opened and the payment history as this account is unknown to me, i have no records of owning this account.
Consumer complaint received 2015-12-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (CA)

I disputed this account with AFNI, INC., the items were removed off my credit bureau only to pop back up again. I had initial signed up with service for XXXX XXXX XXXX XXXX. The service was not up to par in my city more like dial up speed so I cancelled out my services and XXXX switch my service pack to XXXX. I mailed back the router and was informed that no charges would occur. Yet I have charges on my credit report and no one will answer my question as to what those charges are for.
Consumer complaint received 2016-11-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (OR)

I have received a letter from XXXX XXXX XXXX XXXX stating that I owe them {$4200.00} for a Providian bank credit card. I was involved in a class action lawsuit that erased this debt and I received a payment from Providian.This was in the XXXX. Even if this is mine from Providian it is well beyond the statutes of limitations, and made invalid because of the deceptive practices employed by Providian Bank, So with that said I believe this is a violation of the FCRA or at the least a violation of Oregon State Unlawful Debt Collections Practices act. In order for a collection agency to collect debts from an Oregon resident the company must be registered and licensed by the state of Oregon, which this company does not posses, Therefore XXXX XXXX XXXX XXXX is not entitled to to collect OR attempt to collect ANY debt from myself.This action alone can result in severe statutory penalties by the state of Oregon.If this company has reported this to any credit reporting agency, this could constitute fraud on the collection agency 's part under both federal and state laws. This has been on my credit report in the distant past but has been removed due to the class action suit. This item has been bought and sold many times over the years and I am sure it is just cobbled information packaged to appear that it is a new debt by this company or and others. If they continue with this, then I am very happy to see them in court here in XXXX County Oregon. I do not believe that anything this company professes to hold can stand up to the scrutiny of a court room. This attempt is illegal on many front 's and I am tired of desperate companies trying to scam me and I am prepared to see them in a court room, in fact I ask for it. In short this company is in violation of both federal and state laws and I want this to cease. I am writing a letter to my state AG and the state of NV 's AG as well. I have looked this company up and they have an XXXX rating with the XXXX and there is at least XXXX complaints on rip off report, this company is an obvious scammer. On XXXX notes, concerning them, there is pages of complaints about this company and their attempts at scamming people across the nation.
Consumer complaint received 2016-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

2 monthly mortgage payments drafted my account within a couple of days of each other. I went online and changed my payment draft day to XXXX/XXXX/16 iao {$1200.00} and the payment drafted but a few days later another payment iao {$1400.00} drafted which caused by account to be overdrawn. I contacted Chase and spoke with a rep regarding the double payment and he put in a request to reverse the {$1400.00} payment ONLY as requested. All that needed to be done was to reverse that payment and my loan would have been fine because the {$1200.00} payment which drafted on XX/XX/XXXX would have satisfied my XXXX XXXX payment and would have me due for XXXX XXXX payment. Trusting this was an easy fix of just simply reversing the 1 payment ... .. I followed up a week later and to my surprise the automated system advised me that my last payment made was in XX/XX/XXXX!! I made a payment on XXXX XXXX iao {$1200.00} which satisfied my XXXX XXXX payment but somehow that payment was now showing as " not recieved ''. Apparently, when reversing the payment of {$1400.00} for some ungodly reason Chase decided to also reverse both payments from XXXX XXXX and XXXX XXXX. I could maybe understanding reversing the XXXX XXXX payment and making sure everything was applied correctly but for the life of me I cant understand why the XXXX XXXX payment was reversed from my account ... ... Why reverse a payment that has been posted to an account for nearly a month? So, after being advised they were still researching the issue I made the decision to go to the local branch and make another payment of {$1400.00} yesterday to bring my account current because the system was still showing me due for both XX/XX/XXXX and XX/XX/XXXX payments. I did this because of fear that I would have derogatory reporting to my credit report and now I am fearful that somehow you guys will show my XXXX 2016 payment as being 30 day late and if that occurs I will contact my attorney and file a lawsuit against Chase Home Loans. I originally made a payment on XXXX XXXX which covered my XXXX 2016 bill and I need written confirmation that this issue will not have a negative impact on my credit report.
Consumer complaint received 2017-02-10
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Frost-Arnett Company (TN)

My daughter had a bill with XXXX XXXX in XXXX tn. She was an adult at the time of service but they put me as a guarantor but i signed nothing. They also disclosed info to me about my daughter and turned the bill over to collections to frost arnett company in which i never received the first bill from the XXXX. I advised them this better not go on my credit because she is XXXX and adult.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX Acct # XXXX was charged off in ( XX/XX/year> ) .I have requested the 1099c to support the charge off and it has not been sent. I have dispute this account as well with the credit bureau and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1681e ( b ), income that has been reported to the IRS via a 1099-C can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in Discover Bank v. Scheimer, 36 F.3d 1214. Attached is also the dispute filing that comes bank verified within 24hrs.
Consumer complaint received 2016-05-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (OH)

I have a a unverified account from AFNI. I had previously disputed this account. I have never done business with I have a a unverified account from. I had previously disputed this account. I have never done business with AFNI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt AFNI purport I owe. I request that AFNI Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account # XXXX