davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (NV)

I have mailed 3 letters trying to resolve this matter. every letter stated that this was not my account. I have repeatedly ask for proof that this is my account. I have ask repeatedly for something bearing my signature. And in reply ive been told they are not required. To show proof of anything with my signature. they only send a print out of a bill nothing with my signature on anything!!!!. the first letter was sent by certified mail on XX/XX/XXXX. the second sent by certified mail as well on XX/XX/XXXX this was in response. too their print out of a bill as proof that this is my account. once again they sent nothing bearing my signature.
Consumer complaint received 2020-08-19
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. (NE)

I have sent letters, disputed, called and notified my credit bureaus that this is a result of identity theft. My wifes ex sister in law was staying at our house when we were out of the state and this was opened and had access to our bank account cards. My XXXX email was hacked and breached and to my understanding was used to correspond with this company. My wife and Is phone were hacked and flashed for our number and it took getting new phones to resolve this. We had to stop payments on this when my wife balanced the check book and realized money wasnt balancing and there were multiple withdrawals for this including having to get new cards and accounts etc. Its my understanding also that the address used was XXXX XXXX XXXX XXXX but we moved in XX/XX/2018 to XXXX XXXX XXXX XXXX and utilized our XXXX credit union account. Its my understanding that the calls on the original loan have voices from multiple different people. This loan shows refinanced and it was my understanding that this was to be closed and removed but it looks like someone got to run off with the money and I did not take this loan with my knowledge or consent. The contract I have seen only once stated interest in the amount of something like 188 % which I dont believe to even be legal. They are stating I owe {$2500.00} to them and this is a result of identity theft. I just recently learned my rights and have asked them to remove this after the XXXX account and XXXX breach along with my drivers license and wallet being stolen from me at work. I have had multiple loans with my credit union and would never need a loan with this insane interest which is predatory to say the least.
Consumer complaint received 2018-06-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/2018 at XXXX XXXX, I was notified by XXXX of a transaction that had just posted. This was a fraudulent purchase, and someone must have hacked my Paypal account. Paypal had transferred funds from my credit card for this fraudulent purchase. I filed a claim with Paypal, XXXX, and my credit card immediately. Paypal responded that based on my history of XXXX purchases, that they believe this was not fraudulent. When I tried to dispute their judgement to my claim, their system does not allow you to respond or re-address the submitted dispute. They are basically telling me too bad, we dont believe you. They block you from further discussion of your submitted claim. It least my credit card believes me. Unbelievable!!
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (TX)

I paid my Wells Fargo Micro Center credit card in full in XXXX, but they charged me interest of which I was unaware until I tried to use the card in XXXX. I asked them to rescind the charges, but they refused to do so. It was a paltry amount of money, {$27.00}, which I paid to appease them. My Credit Score has been negatively affected due to this, as I see it, fake interest charge and negative reporting on my credit. I spoke with a man named XXXX with Wells Fargo to dispute their negative reporting, he took my complaint and submitted it, however, he is unaware of the CFPB or what its real function is. He said that it will take ten days or more to get an answer by mail regarding my complaint.
Consumer complaint received 2016-11-30
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Nelson and Kennard (CA)

we have bill that was submitted to a collection attorney. we made arrangements to pay {$100.00} per month on the bill in the amount of {$1000.00}, with an interest rate of 10 % per annum. we have paid {$900.00} so far, however no money has been applied to the interest, and I was told by XXXX, that my original bill was {$2100.00}, instead of the XXXX. Then we have the court fees of {$220.00}, plus attorney fees of $ {$600.00}. The filing client is XXXX. the money paid has not been credited o interest or principal, it seems.
Consumer complaint received 2015-08-27
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CASHCALL, INC. (OR)

Caller has been calling me at work saying he is working for some company but is working for cash call sayinguf I dont pay them they will send me a court summons and the guysaid that cash call will only work thru him and wo n't work with a credit management which us wrong cause I am working with a credit management and they are working with cash call who I do havdakoan thru I just want him to quit calking my worj
Consumer complaint received 2022-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (PA)

My information was stolen and was used without my knowledge. Ive been harassed about this collection and been threatened by email and phone calls. According with the fair credit reporting act convergent account and has violated my rights. U.S.C 1681 section A. States I have a right to privacy. U.S.C 1681 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. U.S.C 1666B : A Creditor may not treat a payment on a credit card account under end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (GA)

I was led to this complaint by being informed about the Lawsuit against Credit Karma. If this is the right complaint to file then, Yes! Credit Karma mislead me with offers for credit cards. Yes i wanted to have credit cards but by the time i applied to the many offers they sent me through the app and in the mail, My credit was ruined because of the " soft pulls '' they claim wouldnt hurt my scores. If this is the right complaint, I still have numerous mail offers from them as proof that they helped ruin my credit.
Consumer complaint received 2020-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OK)

During the month of XXXX 2020, I contacted PHH to inform the company not to pay my homeowners insurance due on XXXX XXXX, 2020. It was my decision to pay myself. I also informed the representative that I would be paying off the balance of my escrow in XXXX and XXXX of 2020 to lower my mortgage and avoid any more interest payments on escrow monies owed PHH. PHH informed me that they would send a form that I must sign and return to them. The letter of instruction was sent to me and returned signed via USPS in XXXX 2020. My mortgage payment at the time was $ XXXX/month which included an escrow payment of {$360.00}. Additional information found for the month of the XXXX statement was {$1500.00} owed towards the escrow. On XXXX XXXX, 2020 I paid a total of {$1500.00} which included the {$810.00} towards the mortgage payment. In addition, the amount of {$770.00} was applied towards the escrow. The amount {$770.00} paid was designated in the escrow category on their website. On XX/XX/XXXX20 I spoke with a representative of PHH to ensure that it was recorded for the specific amount to lower my escrow owed. The representative assured me it would be updated and my new monthly payment would reflect a change. Upon reviewing my newest online information on XX/XX/XXXX20 it was found that my new monthly payment was {$790.00} due on XXXX/XXXX/20 however, there was no indication that I paid {$770.00} towards the escrow. After contesting that the previous two months escrows were never applied towards the stated {$1500.00}, the representative then explained I made an over-payment and {$170.00} would be refunded to me by mail. In further review of the XXXX statement it was discovered that my new escrow payment was now {$2800.00}. On XX/XX/XXXX20 to confirm our agreement of my sole responsibility to pay my own insurance it was learned from their representative that they have no written information of my signed release. After debating my previous conversations it was charged to the representative that I would be escrowing my taxes only and paying my homeownwers insurance out of pocket. The representative explained to allow PHH at least 10 working days to update my account of which they have disregarded to do from previous telephone conversations.
Consumer complaint received 2018-02-22
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: Innovis (PA)

Affidavit of Demand XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 3. Date : XX/XX/2018 Dear Innovis FTC Report Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to XXXX, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to Innovis. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home. Sincerely, XXXX XXXX XXXX cc : Pennsylvania Attorney General Office cc : XXXX XXXX XXXX cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX cc : PA Banking and Securities
Consumer complaint received 2018-02-22
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: JPMORGAN CHASE & CO. (CO)

I left a business in which I was the Guarantor on several accounts. One account being a Chase Bank credit card. Per legal contract with the business I was leaving they were to remove me as guarantor from all accounts and assume all prior debt and future debt. This was in XX/XX/XXXX. 

In XX/XX/XXXX I found out that they were still using my personal guarantee and had made no attempt to remove me. This was a fraudulent use of my credit. I closed the accounts immediately I hired an attorney and began a law suit which resulted in an out of court settlement agreement. It was too late to fix any credit issues that came up. qn attorney who did not understand that I needed to expedite the process before my credit was trashed. 

I am an account holder with XXXX credit reporting as my FICO Score is normally between 790 and 830 on average. On XX/XX/XXXX my score dropped from XXXX to XXXX ( 200 Points ) and Chase Bank Business credit card services reported two months of missed payments.

I believe I had the right to be notified of any changes prior to my score being changed and notifications of any payments in default. If they sent that to the company I no longer owned of it was not forwarded to me by mail or email. 

Chase had my SS # and could have found my home address at any time. 

Now under the settlement agreement I managed to get the account paid in full within a week but after two months of missing payments by the company. Chase did remove the non payment info but not the business address. However, they only restored 132 points to my FICO credit score making my normally excellent credit score just good.

I noted another address that looks like a typo to my home address. Have to fx that also and was placed on the report by chase.. 
. 
I placed a Fraud alert on my accounts and XXXX used the words military service. I am XXXX years old and have no reason to join the military. I am now forced to explain by letter to correct that. They cant explain or fix it by phone. I guess i many now be in the military under XXXX XXXX. 

MY issue is that my credit was used fraudulently. I have hired a firm called XXXX XXXX to go through my credit reports and have them fixed and have provided all legal documents.. 

The one big no answer that a have received from everyone so far is why cant I get my full FiCO credit points restored. Am I the only one to ask? XXXX said it was a computer-generated decision, so now according to the computer I am not good enough to have excellent credit only good credit.But I can fix that over time they said. I have already spent 32 years keeping excellent credit scores but that does not count. 

So does anyone know how to restore Fico Points removed from an account by fraudulent use. I could sue Chase Bank and waste more money but there should be a way to dispute the point Reduction in cases of fraud.
Consumer complaint received 2016-04-21
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Eastpoint Recovery Group, Inc (CA)

Even after I had verbally stated for this company to stop calling me, they continued to harass me. They have threatened to take legal action on more than XXXX occasions and have been pushy about me giving them a post dated check for the full amount of the debt.
Consumer complaint received 2021-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (TX)

The bureaus inc Company violated the fair debt collections practices act by implying that the debt had been sent to an attorney. After notifying them if the violation they removed the comment from my file where they stated it has been sent to an attorney, verifying guilt. Item should be removed. 

They are trying to collect more than the debt amount listed by the original creditor, not because of fees or interest, they just have the wrong amount listed. This violates the fcra. The item should be removed. 

They sent me an unsigned blank binder as verification of the debt. They are verifying the debt with a blank document. This is fraud. The item should be removed. 

I never opened this account, this item is the result of identity theft. As proven by the unsigned blank binder that they are using in an attempt to fraudulently verify the debt. The item must be removed.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On or about XX/XX/20 Capital One Bank refused to give me an adverse action letter after being denied credit in violation of the ECOA.
Consumer complaint received 2018-02-22
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: CITIBANK, N.A. (NY)

On or about XX/XX/2018 purchase made through this card, Best Buy Visa, with XXXX XXXX. One item was missing from package. Initiated dispute for {$140.00}. Best Buy Visa just advised they are siding with merchant despite merchant not providing any signed affidavit contradicting missing item. Instead some unverified, unsigned and unidentifiable information was provided by merchant. In violation of Fair Credit Act, merchant has done nothing to investigate and merely collected this information from merchant, summarily ruling in merchant 's favor. Best Buy Visa has breached its legal obligations to me.
Consumer complaint received 2021-07-14
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: NAVY FEDERAL CREDIT UNION (NY)

disputing fraud accounts that are showing up on credit report as of recent. The companies seem to be ignoring my calls regarding these disputes and I really need these fraud accounts removed as I've been a victim of Identity theft due to lax in all the account securities in the companies
Consumer complaint received 2018-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I applied for a Chase Credit Card while booking a flight on XXXX XXXX. They had very large and bright advertising stating EARN XXXX points when you spend {$2000.00} in the first 3 months. {$69.00} fee applied to your first statement. APPLY NOW. I applied and booked my flight using that new credit card, which it also advertised .. you can use your card for this flight. 
When I got my first statement from Chase, it showed a {$200.00} credit on my flight. Months later I saw a XXXX point transfer to my rapid rewards. 
In XXXX, I called to question the XXXX points and was told it could take up to 3 months to show. 
When I still did not see it in XXXX, I called again and was told that MY offer was a {$200.00} credit and XXXX points. Since that is not what I applied for, the service rep said he would write it up and send it to the marketing team. 
On XX/XX/XXXX I received a letter from Card member Service stating information that I was requesting a new enrollment bonus offer of XXXX points but it was not available on my credit card. Nothing about the fact I felt they advertised one thing and gave me a lesser thing. 
I figured I was not the only person this happened to and looked it up on the internet and found this exact thing had happened to several other customers. Several complaints about the advertised XXXX points and then only getting XXXX points and a {$200.00} credit. 
I called Chase XXXX XXXX XXXX again today XX/XX/XXXX and the representative said she would submit to the marketing team a request for XXXX points, which was the offer available right now but that the {$200.00} credited would need to be recharged to the card. I agreed to that because I'm not looking for extra. I'm looking for the XXXX points and was willing to compromise with XXXX. 
I asked the representative why marketing would give me the XXXX points this time as opposed to rejecting the last request and she said they may not, this is just a request. 
I feel like in a week I'll get another letter stating they are not honoring the original offer but just do this back and forth until the consumers tire and give up. 

I told the rep I was going to file an attorney general complaint but wanted to give them an opportunity to make it right first and she said all she could do was submit a request again to marketing.
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Riverwalk Financial Corporation (CA)

Recently had an account by the name of XXXX XXXX on my collections. It popped up out of nowhere, I was never alerted, contacted, or emailed regarding this collection. I have no collections regarding to this. I have tried calling but it sends me right to voicemail. It also says its from XXXX XXXX XXXX XXXX. I can not contact them either because the school had closed down in XXXX for fraud. I would like to get help to get off my credit report, thank you.