davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (TX)

AFNI has ruined my credit by placing a debt on my credit report which has gone into collections. The original debt was for XXXX XXXX, which I have never owned. The debt on my credit report give as little information as possible except that I owe {$75.00} I called XXXX to confirm the original debt and they could not find any information on me by my personal information. I looked online and AFNI has has a history of listing invalid debts on people 's credit report.
Consumer complaint received 2015-08-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (FL)

In checking my credit report I find EOS CCA, XXXX XXXX XXXX, XXXX, XXXX XXXX, claims I owe them a current debt dated XXXX/XXXX/XXXX in the amount of {$460.00}. 

That is impossible. I have not used any credit since XXXX when my XXXX XXXX was destroyed by hurricanes and I lost all my assets. On the advice of any attorney who I asked for advice on filing bankruptcy to erase the outstanding debts of the destroyed business, he advised me that they were small, unsecured debts and it would be best just to contact the creditors and advise them I was unable to pay them, which I did. I am sorry, but I no longer have copies of the correspondence to the few debtors I had at that time, but it could have been no latter than XXXX, which would make any debt I might owe over 8 years old. My assumption was that these small debts would simply be written off. I do not remember what the amount of any of the less than half dozen outstanding debts I might have owed at that time might have been but I do n't recall anything over {$300.00}, so the amount of this alleged debt has been written up and the debt has been redated to keep it current. I believe this is a debt that has been sold and redated to keep it current, which I believe is unlawful. It should have been written off XXXX years ago.
Consumer complaint received 2015-06-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OR)

I filed charging complaint against Chase Bank in Texas of XXXX, Extension XXXX that XXXX XXXX and I both unresolved problem XXXX PST, so I was unhappy with Chase Bank that Chase Bank Headquarters refused helped me today through telephone. I felt XXXX XXXX made discriminated against me as he or she told me that Chase Bank Headquarters refused helped me with opening bank account related with debit, checking, and Credit card applications. I can not alone with application for these banking services. I complained with XXXX do not interest in helping me with Chase Bank service.
Consumer complaint received 2020-01-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (MA)

In XX/XX/2019

got an advertisement from Discover Credit card to apply this without affecting my credit score. Start the application and at the end came on the screen " Congratulation ''. Than was said that a message was send to my phone. Have to say that being out of Sate was using my cell phone when the message was send to my residence. Than came a message on my computer screen that I will have soon a letter from Discovery. Did call them and had absolutely no help or answer concerning my application beside that a letter will be send to me. Little later saw that I had an hard inquiry on my credit score contrary to what they did advertise saying that applying will not affect my credit score. This was a bait and switch fro m Discover card. Ddid send a letter to Discover Card asking them to reestablish my credit score to what it was before their hard inquiry and they never answered to my letter.
Consumer complaint received 2017-10-11
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. (CA)

This complaint is for Equifax written dispute sent XX/XX/XXXX requesting removal of XXXX XXXX XXXX based on this company knowingly submits false and inaccurate information to keep my credit in a negative rating which allows lenders to then charge higher APR as well. Proof was submitted to show that XXXX XXXX was the first to open account for collection of {$1500.00} with first date of delinquency as XXXX. The results from Equifax stated account belongs to me but the my dispute asked for removal of this company based on dates and inaccurate information on my credit. Verbiage also on results state " Once an account has been opened, the account may appear on the credit file for 7 years or 10 years from the date reported. '' Based on this and proof Equifax should have removed XXXX from report but instead they allowed them to update status on my file and report as an open account with First date of delinquency as XXXX. Equifax is allowing XXXX to violate Federal laws put in place to protect consumers from misinformation on reports being used against us in a false or negative way in order to collect a debt. This debt is no longer owed.
Consumer complaint received 2015-07-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS (FL)

I am putting in a complaint against Lexis Nexis XXXX because they have placed an alert on my consumer file that has made it difficult for me to apply for credit. I have tried to contact them on this to no avail. I would like my file to be free from any alerts and for my file to be placed on freeze status instead.
Consumer complaint received 2016-12-19
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BlueChip Financial (VA)

I got the loan XXXX XXXX, 2016 from SpotLoan for {$800.00} ... .first payment was {$140.00} on XXXX XXXX and then I sent in check for {$800.00} on XXXX XXXX, using a consolidation loan from a local consumer finance company, using my husband 's vehicle. They contended that we still owed them {$350.00} since then. We do not think we owe them anything else, as we paid them back the loan, plus some interest, all within a month. We had email exchanges about the disputed debt in XXXX XXXX XXXX XXXX ). They told us that we were 11 days past due. We could n't pay anything else, as we had just paid off all of our various internet loans with our consolidation loan, and were and still are in the process of repaying that loan. 
XXXX XXXX, a woman named XXXX from XXXX XXXX called my father in-law, looking for my husband or me. She gave him the fie number, and told him that we had to pay. That same day, while at work, I had received a call from her saying that she was from XXXX XXXX and telling me that I owed on a SpotLoan loan, and that I had to pay her {$350.00} over the phone. I did n't have my credit card with me, so I went home to get it and found out that she had called my father in law, even though that day was the first day I had ever been called from them at all. They had also within 10 minutes of calling my father-in-law and me, called my husband 's cell phone that same day. 
I was threatened that she was part of the legal department and she was sent to review the case before sending it off to recoups as a garnishment. Because we had already paid so much at the very beginning of the loan, I was n't sure if she was legitimate. I requested that she send me proof or validation of the debt. I asked that it be sent to me home in writing, not by email. 
I was then called on the XXXX of XXXX, asking if we had received her email. I said no, and noted to her that I had also requested it to be sent to my home address. She said she had mailed it out on the XXXX. I have yet to receive it, and I also have not received any emails. 
XXXX also insulted me because she then accused me of trying to get out of paying by asking for proof of the debt. I believe I have a right to know what they think I owe, since XXXX from XXXX XXXX is the XXXX that is calling us and the address I was able to get from them is XXXX XXXX XXXX, NY XXXX and her phone number is XXXX ext XXXX ... ..she is saying claim # XXXX.
Consumer complaint received 2016-10-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PINNACLE RECOVERY, INC. (MO)

XXXX separate companies : XXXX. XXXX - A company saying they could sell my time-share condo got me to give them my credit card number saying they would not charge it until I gave permission. They did charge it and I got suspicious so I did more in-depth searching on this company and found they had so many scams. I filed a dispute with Discovercard BEFORE THEY PAID THE COMPANY, but XXXX paid the company anyway against my wishes. XXXX submitted this to all XXXX major credit reporting agencies in XXXX XXXX and have not removed it from my credit report. 

Issue XXXX : Pinnacle Recovery started harassing me about owing money to XXXX XXXX. I do not believe I owe money. Even though I dealt with XXXX Resorts with a timeshare condo, I believe about XXXX, Pinnacle Recovery harassed me from that date but did not submit it to the credit bureaus until XXXX XXXX. Even though the alleged charges date back to approx. XXXX, this is still on my XXXX XXXX credit report.
Consumer complaint received 2017-03-16
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CHECK INTO CASH INC. (OH)

I got a payday loan from this company, I can not afford to pay back right now and they are sending emails that they are going to arrest me and that I am going to jail. they are also stating that they are going to contact my employer, which I do not want them to do because I can get fired for receiving calls like that.
Consumer complaint received 2022-10-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (MI)

Afti/Comcast says I didnt pay a bill of {$230.00} from XXXX 2022. This is an error on their part. I ordered a new service but Customer Service had all wrong information. When tech came to home to install he had all wrong equipment, etc He corrected new service order and I waited another week for installation. I believe this {$230.00} amount is two months of what was ordered wrong. I am currently paying on the correct service monthly with Comcast ( paid on time each month ). I do not owe them {$230.00}. Besides all of this, Comcast never communicated with me in anyway that this was due. It just showed up on my credit report.
Consumer complaint received 2017-03-16
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP (IL)

I was given a Visa debit card as a XXXX gift by my employees. When I attempted to use the card I learned that it had a zero balance. Following a little more investigation I learned that several transactions had been made using the card number and had exhausted the cash value. I called XXXX at XXXX but could not talk to a person. I left my phone number with a request for a phone call I received nothing. A few days later I called again but was still unable to speak with anyone so I faxed all the information to XXXX at XXXX on XXXX XXXX, 2017. I was assigned XXXX case numbers XXXX and XXXX via a letter sent to me on XXXX XXXX, 2017. Yesterday a representative called my home phone and left a message stating that I needed to start the whole process over. I called again today and waited on the phone line for 30 minutes just hoping that I would get to talk with a real person. No luck. Please help me.
Consumer complaint received 2015-06-03
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: NRA Group, LLC (AZ)

I recently moved to Arizona where I established a phone line through my cable provider for work purposes, as I do work from home. My employer reimburses me for this phone line so it is considered my work phone number. 

I received a call from XXXX XXXX on XXXX/XXXX/2015 @ XXXX in which I requested the number he called to be removed from their system as this is not a personal number and used only for business purposes. He continued to aggressively try to make me arrange a payment even after I requested no contact and asked that he only contact me on my cell phone number, which I know they have on file, as they have contacted me @ that number in the past. 

Then again on XXXX/XXXX/2015 @ XXXX, I received a call from National Recovery. I advised that I told them last week not to call this number, that it was for work purposes only. He was belligerent and rude and told me that I needed to advise of this in writing. I know my rights and a verbal request to not have contact @ my work phone number is well within the scope of the law. He refused to hear me and continued to argue with me over the phone. I politely terminated the phone call.
Consumer complaint received 2017-04-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (NC)

I have been trying to get my IRA with Scottrade transferred to my local credit union for almost a month now. Scottrade continues to call & email, tells me that I and the CU are requesting distribution via incorrect forms ( which they 've emailed to me, ) that we ca n't have it sent to the account we are requesting, that we 've checked an incorrect box, etc., and it appears Scottrade is giving us erroneous info from what we can research online and the info from our CU ( a nonprofit. ) I submitted the 4th request ( at the very minimum ) for distribution today, just had a voicemail from Scottrade that they had more questions before it could be processed. I went online to Scottrade 's site and printed and completed the forms required for distribution last night - including a form that NONE of the many people with whom we have had interactions had bothered to send or tell me about. I am XXXX years old - past the age of concern about age for distribution, have an IRA at the CU that I should be able to easily transfer the Scottrade IRA to, have earned ALMOST NOTHING from Scottrade in years ( even tho they made big promises at the outset about how it would grow even tho a small amount, ) and I am VERY tired of this - want the check send to the CU XXXX my IRA. This is more than ridiculous and a nuisance. I have spent HOURS trying to get this IRA transferred to my local CU.
Consumer complaint received 2015-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC (SC)

I pulled my credit report and saw this company on listed as collecting XXXX. I myself personally do not go to XXXX any amusement parks. I sent in a dispute in writing in early XXXX 2015. I kept calling back to get the status of the dispute and was continually told to call back each week. I finally received correspondence in the mail showing what supposed charges. I requested to have the contract showing where I agreed to the account, date I agreed to the contract, and proof that the account was mine. The agency was only abel to provide me with a copy showing it was drafted from a XXXX account, but it did not show my name as listed on the XXXX account. I called this morning and spoke with XXXX XXXX. I advised her I received the documentation only showing that the account was drafted under XXXX. She was extremely rude and berating. I advised her that I requested further documentation proving the account was mine. She then in a heated and belittling voice told me that was the documentation, and that it was my account. I advised her that what was sent was not proof that it was my account, and that since I have requested complete validation of the debt over a month ago, and that it was not provided that under FCRA the account needs to be removed from my credit report. Her tone took an even more hateful tone. She then started to not let me speak, and basically called me a liar in so many words. I told her that since my name does not appear on the drafting account for XXXX I needed social security number that is attached to the accountI. She rudely stated that there is not XXXX. I asked her how can it be proven without my name on the XXXX account and my social how can this be proven it is mine, and then her response was " XXXX does n't require a social. '' I asked to speak with a manager and she said she was a manager, and that there was no XXXX higher i could speak to. I asked her her extension and she advised me that she does n't have an extension that we were speaking on a recorded line for managers at extension XXXX. I advised her that I would be getting in contact with the Attorney Generals office in her state and she just said " OK! '' I have the written documentation that was sent to me and I would be glad to send it in to accompany this complaint via fax. I do not have a way to scan it at this time, but can fax it today.
Consumer complaint received 2016-09-07
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (NY)

I leased a kia I did the regular maintenance on it. Kia said that they are not responsible to honor warranty if not done at kia? They stated how do they know it was done properly. without any warning light first the battery needed a boost then it stalled the starter stopped and then the engine locked. never ever a warning light.the car was due back on a lease return and i am responsible for installing a new engine. i am a widow on social security and neerd to come up with over XXXX dollars
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I recently looked at my credit Equifax Credit Report and noticed a Bankruptcy # XXXX that did not belong to me. I quicky notified Equifax and disputed this incorrect information. 30 days Equifax claimed they verified the information. This can not be true because I already called the courthouse and they no information on me. They also told me Equifax never notified them about any dispute about me. I simply want this off my credit report because if you look at my credit you can easily see no accounts are listed under any Bankruptcy, because I never went Bankrupt ...
Consumer complaint received 2016-01-16
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: ARVEST BANK GROUP, INC. (FL)

Arvest Mortgage once again illustrating how they bulldoze thru the legal system. I have been in foreclosure and have tried to do a loan modification 3 times because of circumstances beyond my meanings have failed. This one tops the cake I started modification with XXXX on XXXX of 2015 when Arvest Mortgage failed to pay the General Contractor for repairs to the house. The General Contractor put a LIEN on the property for failure of Payment for repairs, even doe they have their inspectors have given them 100 % of completion. Once again NOT allowing me to once again to try to keep my house. I have filed Chapter XXXX Bankruptcy to try to protect my self with no help at all from the Attorney General. I have made complaints of this to the XXXX Attorney General where Arvest Mortgage Bank does most of there business and XXXX XXXX XXXX Attorney General because I 'm a Florida resident. As a Citizen of the United States I have rights. I have done research and Arvest Mortgage has over XXXX complaints with CFPB. I hope that a Government Agency will take charge against this company doing wrongful actions against the People of the United States. XXXX XXXX XXXX has been found guilty for the same reasons as Arvest Mortgage on wrongfully foreclosing on homes. Arvest Mortgage is acting like they are above the Federal and Civil Laws. Arvest Mortgage company is like the XXXX and the XXXX just because they have the money and resources they denies and do as they wish.
Consumer complaint received 2023-03-23
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 (AL)

Credit karma have been misleading me for years about being approved for cards. I had trusted them for the information that I was giving. But I started to realize that something was not right. I was always being denied I was told that the system is down for the moment, it's a mistake, it's common, I was going to be granted the cards that I was offered and pre-approved for just give it time. I trusted and trusted credit karma and then my score starts to decrease it actually when down until they literally disappeared over night. My credit score is all I had to unlock future opportunities. Not anymore they are XXXX and XXXX these scores was XXXX and up. I never had any cards because I was not going to be a person who has ruined credit in younger years. I am not sure why I was misled by the company. I have no credit due to credit karma. I contacted them for the incident, I explained to them in very specific details. I was sending emails and speaking through the chatting tool on the site. I have given them time to get my credit score issue to the company 's corporate office to deal with the situation. I have not received any response from the credit karma office or leaders. I have been a victim of misleading information, I have not received any cards I was approved for, I definitely haven't heard from credit karma team about the so called mistake I was mistakenly put in for me not receiving my pre-approval cards. I have letters stating that I have to redo applications for the cards and I will have them shortly. I have been looking for help with this situation. I am very concerned about why I have been a victim to falsely information which caused me terrible outcomes to having stressful days and XXXX
Consumer complaint received 2016-07-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allgate Financial, LLC (MD)

I WAS SUED BY EQUABLE ASCENT FINANCIAL LLC WHICH RESULTED IN A JUDGEMENT AGAINST ME. I HAVE NO CLUE OF THE DEBT IN QUESTION AND I AM AFRAID THEY HAVE THE WRONG PERSON.
Consumer complaint received 2016-12-09
Product: Prepaid card — General purpose card
Issue: Advertising, marketing or disclosures — 
Company: Neon Newco Corporation (OH)

NetSpend sent me an unsolicited prepaid card. I did not ask for it, and despite what they claim in the fine print, I did not indicate interest in receiving similar offers. I did not apply for it, they mailed it to me out of the blue. My understanding is that this is illegal, and I intend to report them to the authorities.