davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

In my request for a credit report in all three credit bureaus ( XXXX - XXXX - XXXX ) I found an entry showing a credit card account as deliquent in the amount of {$360.00} from a credit card issued by XXXX XXXX XXXX Bank. 
The credit card debt was sent to collections agency called portfolio recovery associates and I have contacted them and disputed the debt. I was told that I should file a dispute via the internet to the XXXX And here I am to file a dispute to you. 
The account number is XXXX XXXX XXXX XXXX I have no relation whatsoever neither with this account number nor with the bank issued this card. Additionally, I have no relation at all with the debt amount.
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

Amazon requested a copy of any government assistance program card in order to give discounts on item prices and services such as prime. I sent a copy of my XXXX card on XX/XX/2020 and after 30 days of sending them my XXXX card I still have not received any benefits from sending them my XXXX card, however, exactly one month after they received my XXXX card the Amazon Synchrony Store Card lowered my credit limit to 25 % of what it was before ( from {$400.00} to {$100.00} ). They claim that I was late twice on the card and that this was the reason they lowered my balance, however, in the last month I have almost paid off the card and also I have signed up for auto payments as to not miss any deadlines. I strongly feel that the company is discriminating against me because I have XXXX. They secretly are screening people to lower their credit limits just based on whether they receive government assistance. My credit score is higher than when I initially received the card from them with a {$650.00} credit limit, and on my credit report I have no late payments. 

I want them to restore my credit limit as I was trying to keep my credit balance to limit to balance ratio below 30 % as to improve my score even more and suddenly they lowered my credit limit therefore increasing my ratio suddenly and without my knowledge. 

I request to have my credit limit set back to {$650.00} or at the very least {$400.00}.
Consumer complaint received 2020-07-14
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. (TX)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Atlanticus Services Corporation (CA)

I have tried to reach out to Fortiva on numerous occasions to resolve the issue of them continually being malicious and unethical in an effort to keep reporting negative information on my credit reports in addition to not providing a 1099-C if it is truly a charge-off. 

They are reporting a charge off with a date of XX/XX/XXXX, however when I requested a 1099-C on or around XX/XX/XXXX via written correspondence, I did not receive a response. 

When I previously tried to contact them on or around XX/XX/XXXX I was advised by their representative XXXX that they no longer handled my account and the Power of Attorney was XXXX XXXX. I tried to reach out to XXXX XXXX, however there was no response. 

On or around XX/XX/XXXX there was no reporting of Fortiva on my XXXX credit report as I also reconfirmed that with a representative on or around XXXX XXXX that confirmed it was not listed. As of current not only do I have one entry, but two entries for the same account with different erroneous information listed, which conveniently showed up after me reaching out to them. I now have duplicate negative accounts. In addition, they sent me an email advising that the account had NOT been cancelled or forgiven for tax purposes. I find that to be contradictory and making false statements to benefit tax wise. I have provided documents to support my claims. 

I am also receiving collection calls. If the statute of limitations to collecting a debt in California is 4 years then why are they still trying to indirectly trying to still collect? 

Fortiva is also reporting a 4 month term, which anyone can see is inconsistent with the payment history. If it was a 4 month term then why would there be a history of payments over several years and not considered past due from XXXX. 

I am handicapped and the stress is overwhelming with all of the new updates that keep occuring. I tried to dispute with XXXX, however because they have a dedicated relationship to Fortiva they responded to my individual dispute with them within one day and did not investigate my specific dispute and overrode it with whatever Fortiva submitted. XXXX has the same relationship and now is in violation as well for not fully investigating my dispute and now reinserting the account as a duplicate. 

Fortiva has continually violated the FCRA by : -Ignoring document/investigation requests -Willfully and recklessy reporting false info to the credit bureaus after being notified of the reporting errs and failing to investigate or correct the error, including inaccurate remarks -Reporting a new ( duplicate ) account information after receiving notice of dispute on the old account.
Consumer complaint received 2020-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (TX)

Never heard of this Sagestream llc consumer report. Was denied a vehicle purchase due to their WAY lower score than what I have with other agencies. Went to get my report from the company and they refuse to release my info and give me my credit score unless i SEND them hard copies of my personal information such as my driver 's license and social security card. This opens me up to huge risk i should NEVER have to do. They are reporting WAY lower scores with no way of getting the info unless they get your private information first.
Consumer complaint received 2020-07-14
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Webcollex, LLC (ID)

In late XXXX/early XX/XX/2020, I received a letter from CKS Financial in the mail, stating I owed " XXXX XXXX '' $ XXXXAccount no : XXXX. After calling ( XXXX ) XXXX ( listed on the letter ) and informing the representative I was not aware of the alleged debt, I was told I could not dispute the aforementioned debt verbally and I would have to submit a written dispute to XXXX ( referenced by the employee and included on the aforementioned letter ). 

On XX/XX/2020 at XXXX XXXX-mst, I sent a formal dispute for the alleged debt referenced in account no:XXXX via email to XXXX. The sent message read as follows : " To Whom It May Concern ; My name is XXXX XXXX. I am writing to inform your company that I have no knowledge of the alleged debt referenced under CKS account number XXXX. I am formally disputing this debt and requesting validation of debt for the aforementioned account. Furthermore, I am reminding your company of the federally mandated responsibility your company has to produce requested validation of this alleged debt that is provided in detail through the Fair Debt Collection Practices Act. Failure to fulfill the previous request will result in complaints filed with the Federal Trade Commission, Consumer Finance Protection Bureau, and legal action against your company for violations of the FDCPA. Validation of the alleged debt can be mailed to XXXX XXXX XXXX. XXXX. Thank you. 

XXXX XXXX '' I never received the requested information regarding the alleged debt in any form. The next communication received was on XXXX at XXXX XXXX-mst via my personal email ( XXXX ) in the form of a settlement offer regarding the same alleged debt. Upon contacting CKS, I was transferred to " XXXX XXXX '', who claimed to be an operations manager for CKS. Upon questioning why my request was simply ignored, " XXXX '' stated he was not aware of any communications. Further, he claimed he had no knowledge of what the Fair Debt Collection Practice Act was. Upon informing " Mr. XXXX '' of my intent to seek legal counsel, he responded with " that call is not going to happen. '' The call abruptly ended after my statement that " playing stupid would not get him anywhere. '' " Mr. XXXX '' and CKS Financial are in clear violation of federal mandates regarding debt collection and I seek to have this event investigated. I will be contacting my lawyer to pursue them under clear violations of the FDCPA and kindly ask them to be held responsible for their illegal conduct by your organization. I can be reached at ( XXXX  ) XXXX or XXXXXXXX to provide any additional information. Thank you in advance for your time and consideration of the matter. 

XXXX XXXX
Consumer complaint received 2021-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

I noticed a monthly service fee charge while reviewing my online banking charges and decided to place a call to XXXX for further information. I spoke with a XXXX agent who advised me that I was receiving this charge because I was not meeting the requirements of the account by maintaining a minimum balance of {$XXXX} or having {$XXXX} deposited into the account. I have been a XXXX customer since XXXX and have never been informed of this. I explained that when I initially opened this account I was advised of a minimum amount of transactions in order to avoid any of these charges. The agent then told me that this changed in XX/XX/XXXX however, the fee was waived for XXXX months. After I again explained my frustrations I was then transferred to " XXXX XXXX '' who told me that this was explained on my bank statement from XX/XX/XXXX that was sent via email. When I questioned why I was not charged last month she stated that the fee was waved for XXXX month which I agreed to and I was given a complimentary waive for last month. This makes absolutely no sense and there are several discrepancies within the information being told to me which I also explained to XXXX while she repeatedly spoke over me again and again. I requested to speak with her superior which she refused and stated thatshe would submit a complaint for me and provided me the complaint number of : XXXX. 

This entire situation with Wells Fargo is extremely unethical and is a display of severe gross misconduct.
Consumer complaint received 2021-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (NJ)

I am lodging a formal complaint against paramount recovery this debt collector has violated the fdcpa/fcra by reporting derogatory information on my credit reports in the amount of {$240.00} that isnt my debt. I have never recieved a dunning notice by this company which allows me 30 days to dispute validity of debt. I've lived at the same address for over 17 years and I have never recieved any mail from this company and also never recieved a phone call. This has also brought my credit scores down and I am in the process of purchasing my very first home for my family. I am requesting paramount recovery to delete this erroneous account from my credit reports. Attorney general and XXXX complaints will be filed if account isnt deleted immediately. Thanks for your time
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Upon viewing my credit report a collection item appears on my report for which I had no knowledge I have enclosed a letter from the debt collector stating the account is being disputed and that they have ceased all collection on this account however the credit bureau has refused to remove the item from my credit file Collection company name XXXX XXXX XXXX XXXX XXXX XXXX reference number XXXX
Consumer complaint received 2019-05-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W.J. BRADLEY MORTGAGE CAPITAL (CA)

We had a debt with WJ Bradley that was originated in XX/XX/XXXX. The company filed Bankruptcy in XX/XX/XXXX. We never received any documentation that specified who the new creditor was going to be. We did not make a payment for months, we were contacted by the new creditor via a phone call. My wife made arrangements to catch all the payments up that were in arrears via a phone conversation. We never received anything " official '' from the Creditor which is XXXX XXXX. We never received any documentation of how the payment plan was supposed to work, when it began when it was over and what the total cost of it would be. Since this is a debt that accrues interest I would hope that they would need to provide that. The website to XXXX   XXXX has a phone number that instantly goes into a voicemail that was full, the email address bounces back and there is not a listing I can find for the business or corporation in the US.  We were asked to wire funds to a bank called " XXXX XXXX  a Division of XXXX XXXX. Their beneficiary is XXXX XXXX XXXX town in the XXXX XXXX. My wife was hesitant to wire funds to the XXXX XXXX so she asked for an address to send a check. She ordered a check through XXXX XXXX Bill pay in XX/XX/XXXX and it has come back to us uncashed. She had the address that was given to her via an email along with the correct account number that was provided yet the check came back after 4 months. I can not find a phone number, a working email to the company ( heavens knows who that person is my wife has been corresponding with VIA email ) I have no trustworthy way of communicating with this " entity. ''
Consumer complaint received 2018-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (GA)

1 ) On XX/XX/XXXX, {$420.00}, I submitted a Debt Verification Request Letter to the company 2 ) I received a response from the company which included a billing statement which is not proof that the debt belongs to me.

3 ) XX/XX/XXXX, I submitted another request for verification of the debt to the company 4 ) XX/XX/XXXX, once again, I received a duplicate billing statement but nothing with my signature or proof that the debt belongs to me.

5 ) XX/XX/XXXX, I submitted a request to all three credit bureaus to remove this debt from my credit report, due to the lack of response to my request for debt verification.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

My wallet was stolen in XXXX  and I was advised to begin monitoring my accounts and credit profile. I recently pulled a copy of my credit report and noticed accounts and inquiries that I have not authorized or have any affiliation with. I've contacted the Credit Reporting agencies notifying them of the incident and requesting verification. I have yet to receive a formal response. 

I have the right to privacy and have not given any written consent. Reporting this information to my profile is in violation of 15 USC 1681B. Further furnishing account in direct relation to identity fraud is in violation of 15 USC 1681 c-2 I've also requested that all fraudulent addresses are removed from my account to further prevent the reporting of inaccurate accounts to consumer report. These fraudulent accounts are severely impacting my ability to obtain cred
Consumer complaint received 2020-06-28
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. (MD)

I am being charged {$1300.00} for an apartment i never lived at. Someone has rented out an apartment using my information. This account was opened fraudulently in my name. I am currently on XXXX XXXX in Washington, DC and not in Georgia
Consumer complaint received 2020-06-28
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. (CA)

To Whom It May Concern : I am currently on my third round of letters to the major credit bureaus ( i.e., Experian, XXXX, XXXX  XXXX as it relates to verifying or removing erroneous items on my credit file. 

In my letters to the bureaus, I informed them that per the FCRA, they are required to have a copy of the original creditors ' documentation on file to verify that the information is mine and is correct. 

I sent out my first letter to Experian, Experian, and XXXX  on XX/XX/2020. 

Despite several written requests for the bureaus to verify or remove the erroneous items from my credit file, they continue to respond with generic response letters claiming to have verified my accounts. 

As of this message on XX/XX/2020, Experian, XXXX, and XXXX  have NOT provided me with any original documentation or consumer contract ( s ) with my signature. The bureaus have further failed to provide their method ( s ) of verification. 

Their callous and blatant disregard to obey the law and keeping those erroneous items on my credit report is causing irreparable harm to my credit score, hurting my ability to obtain credit, and preventing me from acquiring personal and business financial products. 

Thank you.
Consumer complaint received 2017-05-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On Saturday  XXXX / XXXX / 17  at  XXXX   XXXX , I went to this bank to access my safety deposit box. I arrived there well before closing hour (  XXXX  ). I was told I could not have access to my safety deposit box because the timer was on and the door would not open. I work during the week, so the weekend is the only time I can access my safety deposit box. I am urgently in need of paperwork that I have stored in that box and my bank will not allow me access to my belongings. The bank never made clear to me in a policy that they have the right to seize and withhold my belongings from me.     My bank info and location :  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , NY  XXXX   XXXX
Consumer complaint received 2021-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (AZ)

This happens every time. I have never had a worse credit card company. The latest is a XXXX movie rental that I returned. XXXX charged me {$37.00}! First of all, I rented 4 movies. Why would I just not return one? If I wanted to buy a movie it would be special. I have bought 2 movies in my life and I am XXXX XXXX XXXX. I filed a dispute for the charge and my Chase Sapphire Preferred credit card sent a letter dated the XXXX of XXXX. It said a response was needed by the XXXX. This was in my mail box on the XXXX. I picked it up today. Again, every time I have filed a dispute they have done something similar and I'm sick if it. I bank with Chase and have their accounts only because I live part time in XXXX and don't have to pay all the foreign fees. That is the only reason. I have never experienced a worse financial institution!
Consumer complaint received 2019-05-15
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: TOYOTA MOTOR CREDIT CORPORATION (NJ)

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 1. Account name : Toyota Motor,  Account # XXXX, Date opened : XX/XX/XXXX, Reporting on : XXXX/ XXXX.. 2. Account name : XXXX XXXX, Account # XXXX, Date opened : XX/XX/XXXX, Reporting on : XXXX/XXXX.. 3. Account name : XXXX XXXX, Account # XXXX, Date opened : XX/XX/XXXX, Account Balance : {$210.00}, Reporting on : XXXX
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Andrews & Cox, P.C. (TN)

On XX/XX/24, opportunity financial llc made statements to the federal government they are not in business with XXXX XXXX XXXX who has a file, sent me a letter, and contacted my father regarding a supposed legal action. At this time I will have to contact law enforcement to report this action as fraud and attempted identity theft.
Consumer complaint received 2019-05-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TN)

Rushmore my mortgage servicer mailed me a Proprietary Modification saying 1st trial payment due XX/XX/2019 amount XXXX. The escrows are incorrect because my Homeowner insurance monthly payment is incorrect. 
XXXX XXXX the relationship manager was contacted of the payment being incorrect because my homeowner insurance premium was reduced. per XXXX XXXX she was going to provide this information to the processor so my mortgage payment could be reduced and adjusted for the correct payment. 

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