davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Fairway Collections, LLC (WA)

Fairway Collections LLC and XXXX XXXX, Attorney at Law in XXXX WA have been attempting to collect a debt from a former employee of my small business. XXXX I received and returned paperwork asking me to garnish her wages. It was clear in the papers that she was not eligible for wage garnishment as her salary was too low. I hand delivered those papers to Fairway Collections. 
Awhile later, I received a collection notice telling me I had been turned into collections for {$1400.00} as the agency had been to court and got a judgment against me and my husband ( which will be on our credit report for 10 years. ) We never received any notice of a hearing, so we were n't able to defend ourselves. We have now been summoned to a hearing on XXXX/XXXX/XXXX to appear in court to " answer questions concerning their/his/her property. '' They are requiring us to bring 5 years of tax returns, an itemized list of records of all accounts receivable, earnest money receipts, deeds, mortgages, appraisals of any property we own, bills, cancelled checks, bank statements, and savings programs, certificates of stocks, financial statements delivered in the last 5 years, and evidence of any credit cards of lines of credit. 
They have also said if we do n't appear they will issue warrants for our arrest. 
Keep in mind this is not, nor never was our debt. It was incurred by an employee that does n't even work for us anymore! Also, she incurred this debt years ago, long before she was our employee. Further more, she was not ever eligible for wage garnishment the entire time she worked for us. I have been clear with Fairway Collections Agency about all of those things, and yet they are coming after us and threatening us with court and jail time. It 's ludicrous. 
I have had to seek help from my accountant and attorney to fight this unfair and irresponsible collection effort. I ca n't believe it could possibly be legal. I feel they have been very intentional about keeping information from us. The first request for information came certified mail and I returned it. Now they claim to have sent a second request for our employee 's wages and a hearing notice, but by their admission, neither the second request or court papers came certified. Also, they send everything in unmarked envelopes. IF they sent them, they would have been delivered to whichever XXXX was working. I never saw anything. I would like to see some action taken against this company as I have heard from several people in my community who have had similar experiences with this agency after going through it myself. 
Also, in researching XXXX XXXX 's ( Fairway Collection Agency 's attorney ) address online, I discovered he has already been disciplined by a state licensing agency.
Consumer complaint received 2023-03-30
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: Experian Information Solutions Inc. (NY)

Around 5 years ago I have a lot of Fraud charges And a few different credit cards From XXXX and from XXXX I tried to dispute it then with the credit card companies But the charges were still in my account And I don't know why But I pay off all the charges except of the fraud charges And now I'm seeing that it's ruined my credit report But they told me then that I don't need to pay it if it's fraud
Consumer complaint received 2016-02-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Ongoing saga of fraud malice and deceit from verizon. MY 1st complaint exposure of there sloppy deceptive ( commonplace ) practices starts in XXXX 2015, to you and FCC. These clowns have fraudulently used my personal information to create, harass, insult my intelligence. This putrid company of lying thieves, proclaims I owe ( XXXX ) balances!!!!! There is ( XXXX ) outrageous XXXX and deception in my credit files, with this derelicts at experian and transunion. Equifax is the only one using XXXX, can see this is duplicated fraud and harassment. These putrid lying thieves at verizon claim I owe them {$320.00} and {$980.00}?! # Idiots deceived XXXX collection agencies to come at me with a bill for {$980.00}. NOW this ( ruse ) to harass and deceive ( XXXX ) accounts. OUTRAGEOUS, when has ( any ) creditor claimed XXXX seperate balances, same account/complaint of deceptive billing practices to mask there worthless excuse for ripping off ( OVER ) XXXX from there own customers. I do n't owe verizon anything, they lied cheated me with there fraudulent ( cramming ) overcharges cryptic balance forward billing deceptions. Example I checked my statements these thieves claimed they gave me my proper credit for a deceptive billing for {$170.00} pre-charging early termination fee, for trying out a ( worthless ) un-saleable product, there google tablet, Other charges column, these XXXX recharged me the ( SAME ) {$170.00} pre-charged early termination fee. This is why I am fed up with this XXXX company. 7 years of aggravation, manipulated, confused billing.
Consumer complaint received 2019-02-25
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: Experian Information Solutions Inc. (FL)

I did not apply for credit from the following companies. I have a Fraud Alert on my report. I did not receive a call from them before they accessed my report. I contacted them and the credit reporting agencies several times with no action being taken.. 

XXXX XXXX XXXX, XX/XX/XXXX, Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XX/XX/XXXX, Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX, XX/XX/XXXX, Auto Reseller XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX   XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX Credit Card - Credit Union XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2015-10-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (TX)

On XXXX XXXX, 2015, a payoff in the amount of {$7500.00}. was overnighted to Westlake Financial Services Westlake Financial Services XXXX XXXX XXXX XXXX XXXX, CA XXXX.On XXXX XXXX, 2015 @ XXXX, the payoff was signed for by XXXX at their office. On XXXX XXXX, I reviewed my account to find that the payment has not been applied, at time my account is reflecting XXXX DPD. When speaking with representative, they do not know where the check was applied and why it has not been applied to my account. All of the information was provided, tracking number XXXX, account number, amount, date of receipt and time. When calling to speak with representatives, they advised that they there is nothing they can do, I have to wait for research and posting. My account is approaching XXXX DPD and this will affect my credit. Also, I am possibly in jeopardy of having vehicle repo 'd and another payment being due on the XXXX of the month.
Consumer complaint received 2016-12-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CA)

We have previous complaints regarding this mortgage with PHH. I saw a response from PHH that listed a XXXX as a contact person. We had never been referred to XXXX through this process. Icalled XXXX on XX/XX/2016 and explained our situation. He toild me he was the supervisor in charge of all of PHH 's loan modifications. He said he would look into our issues and get back to me in a few days. I had not heard from XXXX so I called him on @ XXXX PST XX/XX/2016 and he told me that he was working on our loan modification and would have it finalized in a couple of days. He said he would reinstate our loan modifications and that we would have to bring the payments current from XX/XX/2016 to present. I said that would be fine. XXXX is when PHH stopped accepting our payments. XXXX would have been the first regular payment after the trial period. They had accepted two trial payments and the first was accepted by XXXX the previous servicer. XXXX told me that he would get back to us with the paperwork soon to get this resolved. 
Not hearing from him I called on XX/XX/2016 and left him a message asking about our loan. After no response I called XX/XX/2016 @ XXXX PST and left him a message asking about our loan and asked for a call back again. I called XX/XX/2016 again left a message to call me back please. After no response I called again XX/XX/2016 @ XXXX PST and again left a message to please call. With again no response I called this morning XX/XX/2016 and left a message to please call me. We feel we have no choice but to make another complaint. After the encouragement we we received from XXXX from our initial contact with him we are very distressed in the fact that we have not heard from him again for over 3 weeks. 
Phh should have stopped reporting negatively to credit agencies as of XX/XX/2016. They are still reporting negatively to credit agencies and this is negatively affecting our life in many ways other than economic.
Consumer complaint received 2015-06-24
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (NY)

I applied for a conforming, 30 year fixed mortgage from Chase.  I am a partner in a 400 person firm, have been employed without a break for over 30 years, have a hefty bank account, putting 66% down on the house, have XXXX the loan amount still in the bank after close.  XXXX Chase tells me the debt service threshold is exceeded, then it's my company's acquisition that's the problem, then my XXXX income, and after 60 days of going back and forth, asking me for the same info over and over, Chase changes the term of my loan, making up "exceptions" Based on the above, and making excuses on info they have for 60 days. I paid for and locked into a 3.75% rate, 0 points, and now after 60 days, they are trying to charge me XXXX points for the same terms.  
They have left me with no alternative for other funding due to the contract date coming up.  Someone in Private Banking at XXXX says Chase is XXXX, I'm a model borrower, tons of assets, excellent income, liquid assets, but now I feel I have no recourse.
Consumer complaint received 2021-06-03
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: SYNCHRONY FINANCIAL (FL)

I am currently financially impacted by the covid19 disaster. Secondly, this is old debt and is no longer valid or collectible. Also, please note that the phone team again was incredibly rude and unprofessional, making it impossible to correct errors on the servicing side. It was too the point I deemed it XXXX and employees sabotaged the servicing of my account thereafter. Refusing to transfer to a supervisor in a timely fashion. Pure obstruction and internal employee sabotage. The amounts were wrong and this was prematurly thrown into collections. Very disrepectful and also illegal. This is not a valid debt and statues have long expired. The company was notified with many attorney general complaints and XXXX complaints but refused to remedy. Siding with the young intimidating phone representatives who are immune to oversight or accountability. Please remove this unlawful debt that is still showing on all my credit reports. XXXX, XXXX XXXX XXXX  should all be notified to remove this uncollectible, invalid debt. We will sue civilly if this problem isnt immediately remedied. Thank you.
Consumer complaint received 2016-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION (TX)

BBVA Compass bank purposely places online deposit limits onto your account so that you can not put enough money into your account to pay your mortgage. Also, mishandles funds which result in overdraft fees. Mishandles checks and says they do not process because of lack of funds, which is not true, requests another check, then cashes both, which results in overdraft fees. Online banking updates are misleading, they update the mortgage payments online but while delaying updates to checking accounts which is also misleading and leads to more overdraft fees. Incompetence at all levels.
Consumer complaint received 2015-06-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alorica Inc. (CA)

West Asset Management continues to harass me looking for payment on a debt from XXXX of 2014. XXXX XXXX is using their services. 

My insurance company, XXXX XXXX XXXX - has attempted to contact West asset and XXXX directly a number of times, and I actually got a rep from XXXX on the phone with a rep from West Asset management last month - I was told I could not listen to that conversation - to sort this out. 

I got another call today from West Asset requesting the same payment. I have confirmed with XXXX that I do not owe this amount and are happy to pay.
Consumer complaint received 2016-10-11
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: LoanCare, LLC (AR)

I XXXX XXXX have contacted My Loan Care to ask to have my PMI removed from my mortgage and they stated that I need to request it in writing or through their email and get a tracking number well I 've done both so many times and still no tracking number from them and also when I call the reps tell me that did n't get my request to have the PMI removed from my mortgage. Before I requested to have the PMI removed I did my research to make sure I meet the requirements and I 'm still having a hard time and when I call now I ask for a manager and they never get on the phone or call back regarding peoples concern about there mortgage. This company has nothing but bad review and I really hate that my note was sold to them. They seem to only care about is a mortgage payment.
Consumer complaint received 2015-08-05
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (TX)

On XXXX/XXXX/2015, I sent a mortgage payoff payment via Chase BillPay of amount {$28000.00}. The payment was electronic and was delivered next day on XXXX according to Chase record. However, the recipient of this payment, the mortgage company, refused to accept this payment because it was not in certified check format per their policy for mortgage payoff. As a result, they notified me that they refused the payment on XXXX. Chase notified me on XXXX that the payment got refused. The mortgage company asked me to send the payment via wire within the next couple business days so that the payoff amount wo n't change. 
However, when I logged on my Chase account, I could not find anywhere that {$28000.00} is. I called Chase and spoke to XXXX representatives and XXXX supervisor. The supervisor told me their policy is that Bill Pay cancellation will take 2-5 business days to come back to my account. I was surprised, because Bill Pay ( especially this electronic one ) instantly takes my money when I submitted, but someone would hold on to it for 2-5 business days before returning back to me? It is worse than paper checks, where my money would have been sitting in the account while the check is being refused. 

The issue is then, I wo n't be able to make the mortgage payoff amount in the next couple business days. Plus, I felt it is extremely suspicious that Chase is just holding my money for interest or other investment during that 2-5 business days. 

I asked the Chase supervisor where their official policy is written, and legal terms and disclosures. She sent me the Chase Bill Pay legal terms and disclosures, but it only says " canceled Bill Pay funds will be returned back to your account the next business day ''. There is no where mentioning the 2-5 business days of returned/cancelled Bill Pay electronic payments. 

I am formally filing this complaint against Chase bank for unlawfully holding consumers ' money for extended period of time, outside of the Bill Pay legal terms and disclosures. 

Here is the Chase Bill Pay Legal Terms and Disclosures XXXX
Consumer complaint received 2015-06-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2015, I made a mobile deposit of {$500.00}, check # XXXX, To my Chase Bank checking account. The check was written from my XXXX checking account and was made payable to myself. On XX/XX/2015, the XXXX check cleared into my Chase Bank checking account. On XXXX XXXX, XXXX XXXX deducted another {$500.00} claiming that check # XXXX was cashed or deposited at XXXX XXXX. However, they realized they made a mistake because that check was already deposited into my chase account back on XX/XX/2015, XXXX XXXX returned my {$500.00} back to my account on XXXX XXXX, 2015, On XXXX XXXX, 2015, Chase Bank automatically withdrew {$500.00} from my checking account. When I called to find out what happened Chase Bank claimed that the original check was cashed at XXXX on XXXX XXXX, 2015. So according to Chase the check was processed on XXXX XXXX, 2015, which is the mobile deposit I made ; and processed on XXXX XXXX, 2015 at XXXX. However, I do not own an account at XXXX and it seems like someone stole that check I made the mobile deposit with. Seems like I never voided the check but the fact is, that check was stolen from me and someone pretended to be me at a bank in XXXX. The check was made payable to myself. Being that it is an XXXX Bank check, I have gone several times to XXXX XXXX to try and file a fraud claim or lost check claim but they keep telling me that it is not there problem and that I need to deal with Chase Bank since they withdrew the {$500.00}. So when I go to Chase Bank they tell me since it is an XXXX XXXX Check that was stolen they can not help me. However, why would Chase release my funds to another bank when the original deposit was made via the mobile app? I have filed a police report already. I also have proof of the mobile deposit clearing on XXXX XXXX. I have also attached statements showing that XXXX XXXX debited another {$500.00} for check # XXXX to XXXX but returned it 3 days later realizing their mistake. Chase needs to do the same. I attached a chase statement showing the original mobile deposit for check # XXXX clearing on XXXX XXXX, 2015, Then a automatic withdrawal of {$500.00} on XXXX XXXX, 2015, to pay XXXX ; When Check # XXXX was deposited once already back on XXXX XXXX, 2015. I have filed a police report due to the fraudulent cashing of my check # XXXX in XXXX. However, no one wants to help me. I do not who is supposed to help me. Is it XXXX XXXX because it is their check? or is it Chase Bank cause they released my funds to XXXX when the check was already deposited on XXXX XXXX, 2015. 
None of the banks want to take responsibility. I really hope this can help resolve this issue. XXXX of the banks has to get my {$500.00} back from XXXX and no one wants to do it. To sum everything up check number XXXX was stolen from me and cashed it on XXXX XXXX, 2015 at XXXX. when the check was originally deposited into my chase account via the chase mobile app deposit feature. How can XXXX bank cash a check written in my name when I do not even own an account there.
Consumer complaint received 2022-09-06
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (NY)

Around 5 years ago I have a lot of Fraud charges And a few different credit cards From XXXX and from XXXX I tried to dispute it then with the credit card companies But the charges were still in my account And I don't know why But I pay off all the charges except of the fraud charges And now I'm seeing that it's ruined my credit report But they told me then that I don't need to pay it if it's fraud
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (CA)

XX/XX/2023 at XXXX XXXX I called XXXX and I talked to them for 44 mins. A Supervisor XXXX XXXX was very rude and unprofessional he told me very false and misleading information. He said no company have to follow 15 USC 6801 and 15 USC 1681 and I dont get to choose how I want my information shared and I do not have a right to privacy I have no control over that. The phone call was recorded and monitored as well from both parties. 


See attachments for letters requesting for removal!
Consumer complaint received 2022-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Arbor Professional Solutions, Inc. (MI)

XXXX dollars for medical service Arbor Professional Solutions orginally XXXX fire dept ambulance service was discharged bankruptcy XXXX XXXX filed XX/XX/XXXX completed and discharged XXXX XXXX debtor has no legal standing to pursue further demand removal from XXXX credit report as it is false information