davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC (TX)

On XXXX/XXXX/2016, I received a debt collection letter from Ability Recovery Services , LLC, in XXXX. The letter was addressed to a similar name to mine. However, there is no one residing with me ( and never has been anyone residing with me ) by the name on the letter. Through my work, I know that Identity Thieves do not always get the names correct and felt that I was a victim of Identity Theft. Therefore, I checked my credit report through XXXX and found that this debt collection had been reported to the Credit Bureaus. After contacting Ability Recovery Services ' client, XXXX XXXX, it was found that a person with a similar name to mine had enrolled, but the address was in XXXX, XXXX ( a PO box ). Also, there were no Social Security numbers associated with the XXXX XXXX account. 
My complaint is : 1 ) Ability Recovery Services reported this debt collection to my Credit without a Social Security number that would link this debt to me ; 2 ) this debt is not my debt ; 3 ) Ability Recovery Services degraded my Credit score, dropping my score from " XXXX '' to " XXXX '' ( XXXX points ) ; 4 ) as of this complaint, 5 ) Ability Recovery Services has not removed this from my Credit, which they advised me would occur by this date.
Consumer complaint received 2021-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CO)

I made several large purchases on my Chase Sapphire Reserve credit card when I moved across the country earlier this year, intending to use the My Chase Plan feature to pay some of the large purchases off over the course of a few months while saving on Interest, as their website advertises. However, the payments I made towards my credit card did not reduce my principal in the way that I had expected it to based on the advertising and disclosures provided by the bank. My understanding was that any payment made to my account beyond the minimum payment due ( which included my normal minimum payment amount, a portion of the purchase covered by the My Chase Plan payment feature, and a fee for using My Chase Plan ) would go towards the balance on my account which would be subject to interest at the time of my next billing cycle. 

My XX/XX/2021 statement showed a total statement balance of {$5300.00}, of which {$2200.00} was subject to a 3 month My Chase Plan and {$6.00} was the fee for using that feature. This left me with a minimum payment of {$800.00} and my expectation was that {$1500.00}, or 67 % of the balance subject to the My Chase Plan, would be exempt from interest the following statement cycle. Based on this understanding, I made payments to my account during the month of XXXX totalling {$3800.00}, leaving a remaining balance of {$1500.00}. However, my XX/XX/2021 statement showed {$38.00} in interest charged, significantly more than I would have believed based on the terms of the My Chase Plan. A later plan that I set up in XXXX for a 6 month repayment of a purchase totaling {$1800.00} is showing as paid off as of my XX/XX/2021 statement, despite also being charged {$65.00} in interest for the period. 

I believe the terms of the feature on this account were not clearly explained in any disclosures provided and could easily be misinterpreted by customers and is likely to lead to harm to customers with that harm outweighing the benefits of the product, and advertisements for the product do not offer clear and conspicuous terms, resulting in potential violations of UDAAP, TILA advertising, and TILA payment processing requirements. I believe I have been improperly charged interest totalling {$130.00} and fees totalling {$24.00} for an account feature that did not have the expected or advertised benefits to me as a consumer.
Consumer complaint received 2015-10-31
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

yes on my moms credit card account i set up a payment arrangment with XXXX.the director at capital one bank.still waiting on my bill.payment plan was set up 2 months ago.have not gotton a bill for XXXX a month payment plan??? not very happy???? tryong my best??? also they riuned my moms credit?????? trying too work with them/hard too work with?????? my moms XXXX years old has XXXX and is XXXX?? this how they treat the elderly?????? disgusting???? plus the keep charging late fees????? called XXXX back few times no reply?????
Consumer complaint received 2016-03-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (CA)

I believe that Chase bank may have sometime in and around 2009 sold my account and sold it to a 3rd party junk debt buyer who may have proceeded to take legal action against me and even though my debt with Chase had been paid in full, yet still the account had been sold to another 3rd party. I am not even sure if this account even belonged to me, yet chase negligently and deceptively sold my information to a 3rd party company and has continued to disseminate inaccurate information regarding my account to the credit bureau.
Consumer complaint received 2016-05-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Remit Corporation (PA)

When I tried to apply to our credit union for a car loan, I was turned down due to XXXX outstanding debts on my credit report. Both were from XXXX XXXX XXXX XXXX ; XXXX in the amount of {$450.00}, the other {$170.00}. Both were dated XXXX/XXXX/11. I called XXXX to see how to pay these, and they said since they were so old, they could find no record of them. I even told them what my last name was at that time and gave them the address of where I was living at that time. I explained that on the credit report a company named Remit Corporation was listed as the debt collector, but they said they did n't know what company that was. They gave me the number of the company they use for debt collection, so I called them. That company is also telling me they have no record, using both my name or my social security number. So, if there is no record of these so I can pay them and get them off of my credit report, I would like to know why they are still there and PLEASE GET THEM OFF OF MY CREDIT REPORT! Thank you for your assistance.
Consumer complaint received 2016-03-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (MT)

Dear CFPB, This complaint is regarding a former and resolved complaint, case # XXXX, regarding Wells Fargo account # XXXX. A brief history of the original complaint is necessary to set forth this complaint : I received private undergraduate student loans through Wells Fargo. After, I consolidated my loans. When the loans were consolidated, I was a nave XXXX year old, and, as most loan contracts or loan consolidation contracts are, this one was gigantic and complicated. Since having gone to law school, I now understand I would have no qualm about arguing the contract is defective for any number of reasons, e.g., adhesion, unconscionable, etc. Upon arriving at law school, I asked that Wells Fargo defer my loans. To this point, I had no idea the consolidation preempted my ability to consolidate in the future. However, I was informed that it had. The payments were over {$280.00} per month. The payments crushed me through school to the point that at the end of every semester I was unable to make this payment, or other payments. At the end of every semester I would call, and ask that the loans be put into forbearance. Every time Wells Fargo responded the loans could not be put into forbearance during school and that I would be charged late fees. 

After nearly three years of XXXX school, and on the day after XXXX of XXXX, I called Wells Fargo to tell them I would not be able to make another payment, and they could call and leave as many messages as they wanted ( that a customer service rep wanted to talk about my account ), but I still would not be able to pay. Again, I asked for forbearance. Then, I drafted my first complaint to CFPB. Within days, Wells Fargo 's " policy had changed, '' and my loan was magically put into forbearance. If the policy did in fact change the day after CFPB notified Wells Fargo of my complaint, then I have no problem. This is doubtful. There are only two options. The first : Wells Fargo did not want to deal with my complaint, paid me {$56.00} for XXXX late fee, and put the loan into forbearance. That is good and well, except in that first scenario Wells Fargo lied in its letter about the forbearance. Second : At some point the Wells Fargo policy did actually change, my loan could have gone into forbearance, and every single time I called they missed it. I believe either scenario is deceptive. Please let me know if your agency can aid in this matter. 

If not, misleading statements that violate state law, XXXX. XXXX XXXX. XXXX, are not preempted by the Comptroller 's jurisdiction. See XXXX XXXX Wells Fargo Bank , NA, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). Because I believe either scenario to be misleading, I would be willing to explore filing a state action should your agency not be able to help in the matter for whatever reason.
Consumer complaint received 2015-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CONTOUR MORTGAGE CORPORATION (CT)

Contour Mortgage who is a XXXX approved lender has been holding up the loan with minor details. I have extended the purchase twice with the seller and now moving into a third extension, which will now cost me $ XXXXday until the closing. Numerous attempts to rectify any and all problems, but emails and phone calls go unanswered or fall upon deaf ears if a human is reached. I have been jumping through hoops to find out there are more hoops to jump through. I have satisfied all request only to find it was not good enough or they need documents that were already sent. Some documents have been sent 2, 3, and some 4 times. They do not follow the XXXX guidelines.
Consumer complaint received 2021-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AZ)

I was going though a credit agency to fix my credit to obtain credit when I found out an item was on my report that was not mines. I was told to make a Police report and to dispute the item. I did. I recieved a letter saying that this was my account. I submitted to all 3 credit reporting agencies with the information they requested including the police report. 2 of the reporting agencies removed the item off my report. one agencies did not. I again filed another dispute as well as contacted the name of the agent on my letter and they said they will look into it but nothing has been done.
Consumer complaint received 2016-10-13
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Creditors Collection Bureau, Inc. (GA)

I called the credit collection agency that had XXXX different claims on my credit report. I had no idea that this was even on my credit report. The lady on the phone said that I owe way more then what my credit report said. I asked here what it was for and she just told me I have XXXX open accounts. I again asked what for and she did not answer. I asked here to please send me a letter explaining the charges and that I am liable and she said that she would not do that but she could tell me over the phone how much I owe.
Consumer complaint received 2015-07-03
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (GA)

I have fallen behind on my car payments. I have not avoided talking to the lender. They are continuously harrassing us for money. Within an hour of setting up an arrangement on the account i recieved another call wanting me to pay them. This XXXX individual had no idea of the arrangement. At this point I verbally instructed them to cease and decist all calls. Then, my vehicle went into repossession and they started calling again anyways. I was told that if i payed XXXX immediately and XXXX again within XXXX days, we would be fine. I paid the XXXX and spelled out my intent to pay the remaining XXXX on my next payday. The very next day, I recieved a call stating that we needed to pay XXXX. They have repeatedly harrassed us and violated our rights under the FDCPA. The company is Santander Consumer USA.
Consumer complaint received 2023-03-28
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. (AL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Bankruptcy XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ).

I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION.

FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 

INQUIRIES 1. XXXX XXXX- XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX- XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX- XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-03-20
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

This company repeatedly calls before XXXX XXXX and after XXXX XXXX and has been for many years. They were asked to verify it was my debt and were unable to do so. They say things like " tell XXXX to pay her XXXX bills. '' They have sent XXXX letters from lawyers saying if I do not contest the debt it is assumed valid and I will have a judgement against me. I have called the original creditor and they do not have information for me about the debt. I tried speaking to portfolio, but every time I did, they updated the collections date in my credit report to cause my score to drop. They check my credit report multiple times a month. This company is unscrupulous and unethical and they have been for many many years. I tried speaking to them, but they are verbally abusive. They call 10-20 times a day.
Consumer complaint received 2021-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Direct Mortgage, Corp. (AZ)

I have a new conventional mortgage loan with Direct Mortgage Corp. I own several other properties, and I have been trying very hard to get a copy of my monthly statement from Direct Mortgage Corp, as I need a copy as an underwriting condition related to the refinance of another one of my properties. The online portal for Direct Mortgage Corp does not have a copy of my statement, when I go to my online documents, all they have is a copy of my annual tax statement, but no copy of my normal monthly statement. I have called them about 5 times. Every time I call, I have to wait on hold for about an hour, so it is extremely difficult to reach them. Every time I have reached them, they have told me they are not able to provide with my statement, but that they can mail it. It has now been 3 weeks since the first time that they said they would mail it, but I have not received it. On another occasion, they said it would be available in the online portal within 3 days, it has been two weeks since that time and it is still not available in the online portal. on another occasion, they said they would email it to me within 3 days, and it has been a week since that time. I still don't have the statement, so I feel I have no other option to get their attention other than to publish this complaint, they have been extremely difficult to deal with, and I just can't understand why it should be so hard to provide a statement. Every other bank I deal with has a copy of all my recent statements in the online portal.
Consumer complaint received 2015-11-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX XXXX was paid off & closed, subsequent fraudulent charge for an online subscription -- I did n't detect it for a few months or so. Contacted XXXX, but they did n't act. Eventually was charged off XX/XX/XXXX, and I sent a letter stating that I was not responsible for the debt to one collection agency XX/XX/XXXX, and a copy of that letter to the current collection agency about a year ago. Still, they call me several times a week, usually weekend days @ XXXX., so I have to unplug my phone to sleep.
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (WA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the account from my file : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (FL)

XX/XX/XXXX lost my account after my account was transferred to another servicer in XX/XX/2019. Cant provide XX/XX/20191098 form. Keep me on hold every time I call even when Im transferred to supervisor XXXX. Emails go in circles.
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (IN)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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
Consumer complaint received 2016-10-20
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE (IL)

XX/XX/2016 ( exact day unk ) I made an online purchase to XXXX XXXX XXXX for a taser holster. The purchase was taking too long to arrive so I contacted the company as to the status of my purchase. I contacted the company via email a few times with responses. The dates are as follows : XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016. The last date is when I asked for a complete refund because I was getting the run around. Typically when I have made any purchases online I am not charged until the item gets shipped which I found strange with this company. Communication broke down after I requested a refund. I contacted my XXXX Master Card issued by Barclaycard on XX/XX/2016 to dispute the charge and I supplied them with all the emails and receipt for the transaction and was given a case number and told it would take 90 days to get resolved. When I did not hear back from Barclaycard I contacted them on XX/XX/2016 and was told the case has not been resolved until XX/XX/2016. On XX/XX/2016 I recontacted Barclaycard and was told the disputed charge should reflect within 48 hours. On XX/XX/2016 spoke to XXXX at Barclaycard regarding the dispute and was told there was an error and I was given a new case number. I contacted the credit card again on XX/XX/2016 and was told it would take 45 days from XX/XX/2016 to hear back from the merchant. It seems I am once again getting the run around but this time from the credit card as this dispute was first reported to the credit card beginning XX/XX/2016.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.