davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

Disappointing experience working with fair collections and outsourcing ( FCO ) Called to settle payment after receiving 60 % off offer. Was told they would honor XXXX % today since original offer was expired. I asked to speak to a manager. The manager let me know they would ask the debt collection company and they had no abiltiy to offer more than XXXX % without the clients permisssion. 

The agent I spoke to that day was XXXX XXXX and the manager was XXXX XXXX. 

The following day, XXXX XXXX, 2016, I called for the status and was told the client had not gotten back to them. I mentioned that I would just close out the debt at XXXX % and XXXX XXXX said he could no longer offer that amount. I asked to speak to a manager and was put in touch with XXXX XXXX. He told me the agent overlooked my file and his offer was misstated. I questioned this since it seems odd that both the agent and a manager overlooked this yesterday. He mentioned the call was recorded which would highlight that both parties offered XXXX % the prior. I asked to speak to a director of XXXX manager to share my concern that either the team had poor quality control practices or was engaging in dubious negotiation practices. I was told no one was available and to wait until they hear back from the client and they would let me know status then.
Consumer complaint received 2021-04-27
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (AR)

Scheduled monthly credit card payment at XXXX XXXX CST for XX/XX/XXXX. Chase added Mortgage payment to credit card online statement but instructions very unclear. In fact instruction was lengthy questionnaire for mortgage payment ca. {$840.00} due XX/XX/XXXX on refinancing of previous mortgage with XXXX XXXX  since XXXX. Switched to Chase upon receipt of unsolicited refinance offer received in XX/XX/XXXXbig mistake. 
Closed on Chase mortgage loan XXXX and told initial monthly payment due XX/XX/XXXX. When we closed in XXXX or months earlier we told closing officer for Chase to debit our XXXX XXXX  account for monthly mortgage payment of {$840.00} beginning XX/XX/XXXX. 
Instead our XXXX credit card online statement added Mortgage payment due XX/XX/XXXX. But Chase instruction XX/XX/XXXX very unclear. Told us to go to Accounts and access external? and when we did there was no external accounts to access. Plus access denied both username + password on second attempt. Waited till end of day and still denied access to Chase on-line. Might add same thing happened with CFPB as asked to sign-in and received similar response : username and password denied. We are in our XXXX and this is hard on us. Hope you can help us. XXXX XXXX XXXX XXXX, XXXX XXXX AR
Consumer complaint received 2016-12-29
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Harris & Harris, Ltd. (NJ)

Harris & Harris contacted me on XX/XX/2016 via my private cell phone number at around XXXX pm EST. After telling me that I owed something like {$140.00} for some type of medical bill, I was asked to provide my date of birth. I told the caller that I would not reveal my date of birth to a stranger over the phone. I told her that I believed that doing so was a risk as I did n't know who this person was. There was no information provided to me about the nature of the debt - what was it for? When was I billed last? I told the caller that I would not be able to provide my private, personal information such as my birth date to stranger, over the phone absent additional, confirming information. As a matter of practice, I do n't reveal my private information to strangers of the phone. Upon telling the caller that I would need more information, she became very aggressive and told me that I would be marked up for " refusal to pay. '' I told her that was nonsense and I asked her to send me another letter in the mail. She stated that I had already been sent a letter for debt collection and therefore I had refused to pay and therefore they would not send me another letter. I told her that I 'm sorry but that it could have been misplaced or otherwise and again asked for an additional letter. She refused and told me that she was officially closing my case as " refusal to pay '' and then she hung up. I believe this was the second time that Harris & Harris called me about the same debt. I responded the same each time - absent additional confirmatory information about the identity of the caller and the nature of the debt, that I would not reveal my private information such as my birth date, over the phone to a stranger.
Consumer complaint received 2015-07-10
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (GA)

My Chase Bank Credit Card was discharged. Then we started receiving letters from different collection agencies collecting a debt on behalf of Chase Bank U.S.A., NA. Companies like XXXX XXXX XXXX , XXXX, in XXXX, OH XXXX. Then Chase put the debt on my wife 's credit report. The credit card was in my name only. Chase keeps harassing me with calls to my home and cell phone and sending me letters for a 8 year old debt that was discharged.
Consumer complaint received 2022-08-09
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. (IN)

In accordance with the fair credit reporting act convergent XXXX XXXX account # XXXX and XXXX Accounts account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-08-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: AFNI INC. (FL)

I expressed to XXXX I would be moving to another address which did not allow services in XXXX XXXX before I moved back to my mother 's house. My lease was up XX/XX/XXXX. As I moved back into my mother 's address, I replied to every call and send a couple of letters to XXXX explaining the situation of me having to moved and relocate due to my lease being expired. After a few attempts of calling and letters to the dispute department, XXXX has hired a third party ( AFNI ) to recover activation fee cost of {$280.00}. An XX/XX/XXXX letter states if I do n't pay they will go into my account and charge for the above amount as well negatively effect my credit. XX/XX/XXXX I spoke with XXXX at AFNI she expressed credit will be effected and XXXX with XXXX expressed it was not their concern and that I chose to leave the residence.
Consumer complaint received 2017-03-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (MT)

I keep getting a bill from convergent outsourcing inc saying i have a bill for XXXX but will go away for XXXX but i do not have this bill and would like them to take my name off of it and stop sending it. they also hung up on my husband 6 times and we tried to get them to remove it but they did not help just kept hanging up on us ...
Consumer complaint received 2015-05-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

On XX/XX/XXXX I submitted a compliant with case # XXXX through the XXXX and ARS removed the delinquent account from my credit reports because they were unable to provide any original documents with my signatures on it. Now a year later they went ahead and put the information on my credit again, without providing any of the original information I requested or any new information. Gain I submitted a letter requesting copies if original documents showing I indeed owe this amount. I sent this letter certified mail, which they received XX/XX/XXXX. ARS has never communicated with any of the information i requested. Furthermore, ARS has put this collection on my credit reports before even sending out any letter to me to allow me to dispute the debt. The only reason I know of the debt is because i check my credit reports monthly. ARS violates the law and continues to get away with it
Consumer complaint received 2015-11-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Mediation Recovery Center (AL)

Debt is NOT mine. I am a victim of Fraud. Multiple accounts ( credit cards ) have been opened within a time-frame when I was not even in XXXX. After finding out about the fraud through my credit-reports I placed a Fraud-Alert, went to the XXXX Police in XXXX and got XXXX involved. After those measures and disclosing proof that this debt is NOT my responsibility - it was FRAUD, all companies have withdrawn the fraudulent accounts BUT XXXX. The attached documents, statements and proof ( i.e. police report, proof that I was not even in XXXX when the Fraud occurred, multiple witnesses stateside and in XXXX, etc. ) will explain in detail! 
I have been trying for years now for multiple collectors to get the point, IT IS FRAUD, but the account keeps being sold off. I never received anything in writing from any of them, including the original company, up until now.
Consumer complaint received 2021-06-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-06-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Penn Credit Corporation (VA)

A XXXX representative told me that they would delete this account from my credit profile ( specifically told me that almost word for word ) if I made the payment. I made the payment while in collections, and the account is still showing on my credit report through Penn Credit. XXXX needs to uphold their word and have their collection company remove this account from my credit profile. This is a bait and switch scenario.
Consumer complaint received 2015-12-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (WA)

This MCM Midland Credit Management called me several times per week for over a years time. I was afraid to answer the phone. I did make them one payment and arranged for a second payment. I called the MCM phone number I had from a previous debt I just paid off. They said my account was clear and I did not owe anything. So this MCM or supposed MCM from XXXX XXXX kept calling me and would sometimes offer me a settlement. I am suspicious if they are even real. This does not show up on my credit report. I still continue to get letters and they add to my " balance ''. Not to sure what to do with these people. Is this a scam?
Consumer complaint received 2023-04-16
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. (FL)

On XX/XX/2022 a credit card account XXXX  XXXX XXXX was opened fraudulent under my name and the bank as well as the credit report agencies XXXX, XXXX and Experian are falsely and and innacurately reporting such account as mine. Ive submitted a dispute to the mentioned credit bureaus and the bank under FCRA law with no answer and that false reporting is dammaging my credit report. 
The XXXX XXXX XXXX, already responded my claim and closed the account without perjudice to my report but the Experian, XXXX and XXXX are still reporting the alleged account under my name, damaging my report and credit score by reporting an account that IS NOT MINE as the XXXX XXXX  already admitted.
Consumer complaint received 2018-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Asset Recovery LLC (NJ)

Upon reviewing my credit report with all three XXXXcredit bureaus I was informed that I have late or missing payments which I do not owe, and have been reported for more than a year as deliquent. Attempts to get written verification proved unsuccessful as the complaintant stated, " they did not have to prove anything to me. '' I am trying to purchase a home and this situation is preventing that from happening due to FALSE information being listed on my credit reports.In other words, this debt is NOT mine! 

Please assist so that I will not have to pay for legal help in this matter.
Consumer complaint received 2016-10-07
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

I have an American Express platinum card before. I got XXXX sign-up bonus points after I spent {$3000.00} within the first three months, as they advertised. Then I linked this card with another Amex card so the points were transferred there. Later on I cancel this platinum card. About two months after the cancellation they figured out I cancel the card, then they took away that XXXX points from my other account. There is nowhere says I can not cancel my card. I contacted them to resolve this issue a lot of times but they were just making up all kinds of excuse to deny me and none of them are reasonable. They are just a bunch of robbers! Beware of them everyone.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$15000.00} was deposited into our Wells Fargo checking account ending in XXXX. Funds were posted on XX/XX/XXXX. On XX/XX/XXXX Wells Fargo removed the funds from our account with the reason that the check was fictitious. Wells Fargo service contacts were unhelpful in determining the sequence of events or in explaining the long delay in notification. In discussion with XXXX XXXX it was determined that the check was valid but had been remote deposited on XX/XX/XXXX. It took XXXX over a month to identify the recipient of the funds, XXXX XXXX XXXX, who had deposited a copy ( the original was given to us without endorsement ) of the check into another account without endorsement from us. XXXX XXXX XXXX was our realtor and they claim no knowledge of the reason for the misallocation of funds and have subsequently sent a new check to us and we have deposited it. Wells Fargo XXXX # XXXX was closed with no explanation of the delay in notification of a problem with the check. XXXX was unable to explain the reason that they transferred the funds without endorsement of the named parties. This process took 2 months to resolve with little assistance from either bank.
Consumer complaint received 2016-10-07
Product: Credit card — 
Issue: Billing disputes — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OH)

I was never late in paying my SpringLeaf account. The account was autopay set up through Springleaf and that had been the mode of payment for years. I have paid it off in XXXX. Springleaf purchased my account off beneficial and continued to get payment through autopay. I do n't know how they can justify destroying my credit by stating that I was late on XXXX of XXXX for account number XXXX. My credit score has dropped at least XXXX points because of this false reporting to all XXXX credit bureaus! When I called springleaf they refused to take this erroneous mark off my credit. That card has been dormant for several years. Their behavior is not in good faith and I dispute the late report to the credit bureau. Please investigate and remove the late payment from XXXX XXXX off my credit report.
Consumer complaint received 2016-05-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Choice Recovery, Inc. (OH)

I have received several phone calls from this company about debt for {$110.00} {$100.00} another for {$100.00}. I have advised them of all the information they needed the first two times and told them to stop calling me. I still keep receiving phone calls, but nothing in the mail. they do not have any valid information in there system on me besides a phone number. They have been forcing me that I better pay or else etc.
Consumer complaint received 2019-10-20
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. (MO)

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, as well as inquiries not belonging to me. However the credit reporting agencies are refusing to remove the information stating that items come back validated even though the information is incorrect. 

ENCLOSED IS A COPY OF MY IDENTITY THEFT REPORT SUPPORTING MY POSITION IN ADDITION I AM ENCLOSING A COPY OF SECTIONS 605B 615 ( F ) AND 623 ( A ) ( 6 ) OF  THE FAIR CREDIT REPORTING ACT ( FCRA ) WHICH DETAIL YOUR RESPONSIBILITIES AS AN INFORMATION FURNISHER TO CONSUMER REPORTING AGENCIES IN RESPONSE TO THE IDENTITY THEFT REPORT I AM PROVIDING
Consumer complaint received 2016-09-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: APEX Asset Management, LLC (FL)

Continuing to receive letters and have derogatory information posted by Apex Asset Management. The debt is not mine. Additionally, they are not licensed to practice credit collection in Florida. I have complained to the attorney general here in Florida as well. They are trying to collect {$130.00}. I sent them an initial letter asking for validation of the debt. Subsequently, I sent them a letter informing them of non licensure and asked for immediate removal of the item.
Consumer complaint received 2015-03-27
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: The Law Office of Edwin B. Parry (UT)

I received a letter stating the following ... 
according to our records you failed to appear in court as ordered on XXXX XXXX 2015. As a result of your failure to appear, the court has ordered that a bench warrant may be issued and sent to the sheriff with bail set in the amount of {$250.00}. At this time, I am extending you a 10 days from the date of this letter to contact my office. If I do not hear from you within that time, I will consider having the warrant issued. Please conduct yourself accordingly. Yours truly the Law Offices of Edwin B Perry attorney for XXXX XXXX XXXX XXXX this communication is from a debt collector this is an attempt to collect a debt any information obtained will be used for that purpose. 

I contacted phone number XXXX XXXX XXXX and was transferred to XXXX who stated he was the case manager and his phone number is XXXX XXXX XXXX. 

I offered a payment of {$150.00} and monthly payment of {$40.00} a month. He stated that this was not acceptable and that they would be moving forward with the bench warrant if I do not contact them within the 10 days and make a payment that would be on their terms.
Consumer complaint received 2017-03-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I opened an account with XXXX XXXX XXXX in XX/XX/XXXX .... made a final payment in XX/XX/XXXX .... the home was foreclosed on in XX/XX/XXXX. Why am I still receiving negative marks on my credit report in XX/XX/XXXX? 

I spoke with XXXX and they said they no longer had the loan and that Select portfolio took this loan over in XX/XX/XXXX. 

I would like this removed as it is well beyond the time limit. THANK YOU
Consumer complaint received 2015-03-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (AL)

My wife and first attempted to receive our free annual credit report via the Internet with not success. We then submitted the required request form provided by XXXX, by mail. Our request was denied for : Proof of current mailing address. We then provided a new request form with proof of current mailing address and again denied. We after words applied for credit to purchase a vehicle and was denied for credit reasons. The incident occurred with all XXXX credit bureaus.
Consumer complaint received 2015-06-27
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (OR)

I have an account with the Synchrony XXXX.  They offer no interest for a certain amount of time which I have used and paid the amount off within that time limit.  A flooring company used this card and I asked for XXXX year no interest which I had done before with a lessor amount charged.  In XXXX months I saw that the amount was due so I called the company and explained the XXXX year request and the representative of the company assured me that they would honor that and give me an additional XXXX months.  The next month I discovered that they had not and I owed more than the original charge when the XXXX month interest (30%) was added in.  I called back and the person I talked to and her supervisor said "tough luck".  They would not give me the extra XXXX months that the other had promised.  I would have paid it off if I had known I wouldn't have the extra time.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NH)

New York and Company Comenity credit card reported a late payment to all three credit bureaus for an item that was returned in XXXX XXXX. New York and Company partially refunded the credit card three months after the return was processed. Partial credit was done in XX/XX/2022. I called numerous times to request for a full refund. The merchant informed me that while they investigate and work on crediting the full refund back into the credit card, they will not report a late payment. However, they reported a late payment for the months of XXXX and XX/XX/2022. Final refund was processed in XX/XX/2022. I've called XXXX as well as New York and Company multiple times to have the late payment removed. Both companies have not resolved my complaint and the error still have not been corrected. Late payment still shows on my XXXX credit report for XX/XX/2022.