davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (MI)

To whom it may concern : 1. I took out a payday loan with your company, and I must have misread the agreement. 

I thought that they wanted 10 payments of {$130.00} on a {$1000.00} loan. 

2. So far, I have made five payments of {$130.00} each. 

3. I had thought that that would have been about $ XXXX just a little over half of the amount that was due. 

4. When I spoke to customer service today, they told me that of those {$650.00}, only {$9.00} had gone to interest and there was still a principal balance of {$990.00}. And the total payback is meant to be over {$4000.00}. On a {$1000.00} loan 5. I have spoken to my bank to stop payment on all future Bank drafts until we come to a conclusion about a more reasonable interest rate. 

6. it does say that we can talk to the tribal authority in order to do this, but if they're acting in the capacity of mediators then once they issue a decision it will be binding. 


7. I have spoken to the cfpb, and the answer that the company gave me was that they had tribal immunity from lawsuits. 

8. After I did further research, I found that the second Court of appeals has ruled against XXXX XXXX XXXX claims of sovereign immunity and that they must follow the state law of the jurisdiction in which they lend. In this case, it is Wisconsin. ( Docket Nos. 16-2019-cv ( L ) ; 16-2132-cv ; 16-2135-cv ; 16-2138-cv ; 16-2140-cv ( Con ) ) 9. we probably have a few ways going forward at this point, and tell me which of them you would like : a. The firm could just sue me and send a representative and we could work this out in the district court. 

b. We could work the agreement to be what it appeared to be, which was 10 payments of {$130.00} each. 

c. The firm could turn it over to a collection agency, in which case they would not be able to collect any of the money because courts can not adjudicate an agreement in which one of the parties does not come in to the situation with clean hands. 

Please tell me the path that loan at last would like to take to resolve this, because there will be no further disbursements from my checking account after today 's stop payment order. 

I'm refiling this exact message through the cfpb so that it will be a matter of record all of our communications. 

XXXX XXXX Sent from XXXX Mail on XXXX
Consumer complaint received 2020-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (CA)

Please could you help. 

My home loan was serviced by Planet Home Lending. In addition to mortgage payments, I was also required to pay into an escrow account each month so Planet Home Lending had the funds to pay the property taxes and insurance. Planet Home Lending did not pay the property taxes owed in XX/XX/XXXX & XX/XX/XXXX. I have reached out to them but they say it is not their problem as the loan was transferred to XXXX XXXX XXXX ( XXXX  ) in XX/XX/XXXX and that XXXX needs to sort it out. XXXX said that they could not have made those payments in XX/XX/XXXX or XX/XX/XXXX as they weren't even the loan servicer until XX/XX/XXXX. 

Now there have been penalties that have also been incurred since Planet Home Lending did not pay the property taxes. I have repeatedly asked Planet Home Lending to correct their error but they keep saying it is not their problem and to talk to the new loan servicer. 

I have included the Property Tax Statement which shows the penalties incurred from the county website. I have also included the emails that have gone back and forth between myself and Planet Home Lending. I have also included my annual statement showing the monthly additional escrow payment of {$2900.00} I had to make and that I had {$31000.00} in the escrow account to pay property taxes and insurance - why didn't they pay the property taxes? 

Please help, XXXX
Consumer complaint received 2020-12-21
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-12-16
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: Convergent Resources, Inc. (OH)

On XXXX XXXX, 2020, CONVERGENT OUTSOURCI add a derogatory mark on my credit reports. CONVERGENT OUTSOURCI did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2020-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The bank received an escrow refund of {$160000.00} on XX/XX/XXXX. Less than a week later I called and requested that this refund was sent to my address. Long story short, it's XX/XX/XXXX and I not only didn't receive that money yet but : 1. I've made multiple calls ( more than 20 ) and in every call I was told something different, from my address being wrong ( not true as their other letter are getting to me ) to " you never requested that escrow '' or " you should wait another 30 days to file the request again, that's how our system works '' ; 2. They were quick enough to register in my loan activity that the check was sent on XX/XX/XXXX, but they never registered in the activity that the check didn't get to me, that I asked for a cancellation of that one, that they issued another check ( in theory ), and that I requested to register that the money is still in the escrow account, and not with me. 
3. They keep me waiting on the line, sometimes for more than one hour. As I write this I'm calling them for the Nth time and I've been waiting on the line for exact 66 minutes.

4. They keep not registering other changes I request and saying my address is wrong even though I need to say it every time I call. 
5. I always ask to receive a copy of all the recorded calls and either they say they can't send it or that I need to file the request by email. When I file the request by email, though, nobody ever answers. Thus, I'm being denied my right to get access to those calls and prove that they are holding my money against my will.

I now have a 2nd refund of the XXXX taxes that I am supposed to get and I have no idea how and when I will received. I have NO TRUST in this organization and in their service and I want to receive my money with monetary correction, as they would do if I didn't pay them in the right time. 

PS : after 69 minutes I decided to hang up and call again, as the person just said she was going to check something and get back to me in a few seconds. She was a supervisor and the quality of her sound was so bad that I couldn't hear her. That's the quality of the service we're delivered.
Consumer complaint received 2020-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (FL)

ALL CREDIT AGENCIES REPORTING ID FRAUD ACCOUNTS NOT MINES AND NEVER DONE BUSINESS WITH COMPANIES : " XXXX, XXXX XXXX XXXX, XXXX '', XXXX XXXX, COMMONWEALTH FINANCIAL SYSTEMS,  XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.REMOVE ID FRAUD ACCOUNTS FROM CREDIT FILE ASAP
Consumer complaint received 2020-02-28
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

Debt collector calls 4-5 times in a row. Ive asked multiple times to please call after my work hours since I can not use the phone at work. The gentlemen is very rude, sends texts messages harassing say oh so now youre not going to answer cuts me off, does not let me speak and belittles me.
Consumer complaint received 2020-12-11
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. (ND)

I have a very bad situation XXXX, Experian are stating that my primary, only address is my only address, that XXXX XXXX has/had the ability to add an unknown address to my personal identity, information, that is the only address that goverment, burueas are using to identity. Time and Time again I tried reporting to government this identity theft, how can a company have that muh control, hierachy, walk past right me, directly over me, tell government officials that this is where I live, that's my primary address, In XXXX XXXX thats the last place I had my credit card. XXXX XXXX XXXX XXXX XXXX XXXX was a hello, goodbye, I reorted to XXXX XXXX close the account close the account in XX/XX/XXXX something is not right, I don't have the XXXX XXXX credit card. How can someone say I am in XXXX  going on almost 2 years. When I am really in XXXX  or what If I am XXXX  but no matter what somehow this unknown is locked, above all my current living it doesn't matter where I am in 5 years. All credit bureaus say that XXXX XXXX is the one reporting this address, only the can remove. Imagine how can, has anyone heard of that you cant call authorities, or remove an unknown address because government officials thinks that since the 2nd week after of XXXX of XXXX remember just one 1wk a few days I somehow I am at or living somehow magically at this unknown address, can not remove this address from credit report its XXXX  XXXX they stated has the right over my identity and credit report which is ruining my identity because authorities will not speak to me unless I speak to or mention the XXXX XXXX, So XXXX  XXXX as mentioned including from XXXX going into XXXX, calling including all 3 credit reports speaking to authorites XX/XX/XXXX XXXX, Experian say the only authority, I can not dispute online not even when I call authorities and state this address is not part of my identity. So as Far as XX/XX/XXXX XXXX  XXXX government officials ( When did I give XXXX XXXX permission to keep account open, why don't I have control over my own identity about where I live. Why can't my real current living addresses or any address I choose be primary. I am told XXXX XXXX has over me, they are in control they can easily say I am In a XXXX or XXXX  or this XXXX XXXX address put this or place as my identity in all credit reports. When I'm living really Living in XXXX XXXX  as an example. This is really messing up my identity, they refuse to remove this unknown XXXX XXXX as primary, I go thru all the verify identity all the time including XX/XX/XXXX, they refuse to remove this unknown residence. No utiliites, no rent nothing just an unknown address in XXXX XXXX.
Consumer complaint received 2020-12-11
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. (ND)

I have a very bad situation Equifax, XXXX are stating that my primary, only address is my only address, that XXXX XXXX has/had the ability to add an unknown address to my personal identity, information, that is the only address that goverment, burueas are using to identity. Time and Time again I tried reporting to government this identity theft, how can a company have that muh control, hierachy, walk past right me, directly over me, tell government officials that this is where I live, that's my primary address, In XXXX XXXX thats the last place I had my credit card. XXXX XXXX XXXX XXXX XXXX XXXX was a hello, goodbye, I reorted to XXXX XXXX close the account close the account in XX/XX/XXXX something is not right, I don't have the XXXX XXXX credit card. How can someone say I am in California going on almost 2 years. When I am really in Maine or what If I am Florida but no matter what somehow this unknown is locked, above all my current living it doesn't matter where I am in 5 years. All credit bureaus say that XXXX XXXX is the one reporting this address, only the can remove. Imagine how can, has anyone heard of that you cant call authorities, or remove an unknown address because government officials thinks that since the 2nd week after of XXXX of XXXX remember just one 1wk a few days I somehow I am at or living somehow magically at this unknown address, can not remove this address from credit report its XXXX  XXXX they stated has the right over my identity and credit report which is ruining my identity because authorities will not speak to me unless I speak to or mention the XXXX XXXX, So XXXX  XXXX as mentioned including from XXXX going into XXXX, calling including all 3 credit reports speaking to authorites XX/XX/XXXX Equifax, XXXX say the only authority, I can not dispute online not even when I call authorities and state this address is not part of my identity. So as Far as XX/XX/XXXX XXXX  XXXX government officials ( When did I give XXXX XXXX permission to keep account open, why don't I have control over my own identity about where I live. Why can't my real current living addresses or any address I choose be primary. I am told XXXX XXXX has over me, they are in control they can easily say I am In a Virginia or TX or this XXXX XXXX address put this or place as my identity in all credit reports. When I'm living really Living in New York as an example. This is really messing up my identity, they refuse to remove this unknown XXXX XXXX as primary, I go thru all the verify identity all the time including XX/XX/XXXX, they refuse to remove this unknown residence. No utiliites, no rent nothing just an unknown address in XXXX XXXX.
Consumer complaint received 2020-06-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Debt with XXXX XXXX XXXX XXXX XXXX XXXX is not valid debt on credit report. Debt validation was sent to credit bureaus in XX/XX/2020.
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I have a very bad situation XXXX, XXXX  are stating that my primary, only address is my only address, that XXXX XXXX has/had the ability to add an unknown address to my personal identity, information, that is the only address that goverment, burueas are using to identity. Time and Time again I tried reporting to government this identity theft, how can a company have that muh control, hierachy, walk past right me, directly over me, tell government officials that this is where I live, that's my primary address, In XXXX XXXX thats the last place I had my credit card. XXXX XXXX XXXX XXXX XXXX XXXX was a hello, goodbye, I reorted to XXXX XXXX close the account close the account in XX/XX/XXXX something is not right, I don't have the XXXX XXXX credit card. How can someone say I am in California going on almost 2 years. When I am really in Maine or what If I am Florida but no matter what somehow this unknown is locked, above all my current living it doesn't matter where I am in 5 years. All credit bureaus say that XXXX XXXX is the one reporting this address, only the can remove. Imagine how can, has anyone heard of that you cant call authorities, or remove an unknown address because government officials thinks that since the 2nd week after of XXXX of XXXX remember just one 1wk a few days I somehow I am at or living somehow magically at this unknown address, can not remove this address from credit report its Capital one they stated has the right over my identity and credit report which is ruining my identity because authorities will not speak to me unless I speak to or mention the XXXX XXXX, So XXXX  XXXX as mentioned including from XXXX going into XXXX, calling including all 3 credit reports speaking to authorites XX/XX/XXXX XXXX, XXXX  say the only authority, I can not dispute online not even when I call authorities and state this address is not part of my identity. So as Far as XX/XX/XXXX XXXX  XXXX government officials ( When did I give XXXX XXXX permission to keep account open, why don't I have control over my own identity about where I live. Why can't my real current living addresses or any address I choose be primary. I am told XXXX XXXX has over me, they are in control they can easily say I am In a Virginia or TX or this XXXX XXXX address put this or place as my identity in all credit reports. When I'm living really Living in New York as an example. This is really messing up my identity, they refuse to remove this unknown XXXX XXXX as primary, I go thru all the verify identity all the time including XX/XX/XXXX, they refuse to remove this unknown residence. No utiliites, no rent nothing just an unknown address in XXXX XXXX.
Consumer complaint received 2020-12-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OH)

I recently sold my home located at XXXX XXXX XXXX, XXXX, VA XXXX on XX/XX/XXXX that had a mortgage secured to it that was serviced by Freedom Mortgage acctXXXX. I am in the process of purchasing a new home & my lender informed me that freedom mortgage reported that I was late on this mortgage in XXXX & XXXX in XXXX. The sale of XXXX property was supposed to close on XX/XX/XXXX but the title company filed to wire the funds to payoff my mortgage at freedom until XXXX meaning that I was late in XXXX, however, I was not late in XXXX & I have documentation from Freedom showing that I made the first half of my XXXX payment on XX/XX/XXXX for XXXX & the second half of it in the amount of XXXX on XX/XX/XXXX, which is also when freedom show it was applied. I have reached out to Freedom to get this rectify with no luck & as a result of their error my credit has drop by about 100 points plus i am being told that with two 30 day mortgage lates in the last 12 months my new VA loan is likely to be denied.
Consumer complaint received 2020-11-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Byrider Franchising, LLC (MD)

I have been trying to dispute this account that is on my credit report. I am not aware of this account and have asked the company to send me any Original Signed Contracts verifying this debt owed. I have made three attempts to send letters asking for all supported documents that supports their claims. This company has not responded within 30 days. 

Date Opened : XXXX
Consumer complaint received 2021-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

Ive been disputing this from the time it was reported. Its a result of identity theft using my information. I didnt open this account or have knowledge who opened it but the original creditor bank acknowledged its not me who opened it thats why XXXX and XXXX removed it from my credit report long time ago. Only XXXX is saying this account is accurate every time I dispute it but do not provide information on how they conduct the investigation if they even did an investigation. Its not fair to be pursued by collection agency trying hard to collect money that I didnt owe them and keeping my credit score down even though Im paying the legal credits I owe by the thousands of dollars to credit card companies that I opened myself. I have no carried balances on all of my credit cards because I pay all of them on time and in full. 

Midland Funding has no right at all to keep collecting money from me in a XXXX manner calling me day and night.
Consumer complaint received 2020-12-11
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: Experian Information Solutions Inc. (NC)

I have been in forbearance since XXXX of 2020 with XXXX. On XX/XX/XXXX20 I called to remove my foreberance and pay my current balance owed of {$8400.00}. On XX/XX/XXXX I received a 35 point drop in my credit score due to an error at XXXX not applying my payment despite drafting my account of the funds. I filed a dispute with Experian who did nothing despite XXXX admitting to me that it was an error on their end and that I should immeditately file a disupte with experian. I have an official letter from XXXX documenting all of the facts of this dispute. I should not have any late payments or reduction in my credit score.
Consumer complaint received 2020-11-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX I filed a fraud/merchant dispute with Bank of America. The claim number is XXXX. On XX/XX/XXXX, I got a letter/alert from them advising that the transaction activity in question was authorized and posted correctly to my account. I called Bank of America and was told it denied because some of the charges were from XXXX and it looked like I participated with the merchant. I advised the agent that I had explained I noticed recent unauthorized charges and when I searched the merchant on the online banking page I saw other charges further back that I did not notice before. The agent advised they would not my claim and have it resent. I have heard nothing further from Bank of America. 

There are 72 charges from merchants I never participated or authorized payments for. The total amount is {$4300.00}. 

The response from Bank of America on XX/XX/XXXX, did not include any charge information or details about what their investigation included. 

I think this needs to be reviewed for possible Reg Z Violations. 

I want the fraud protection I am promised on this account. 

I DID NOT PARTICIPATE WITH THE MERCHANTS ON ANY OF THE 72 CHARGES. WHY WERE VISA LAWS INITIATED AND THE MERCHANTS CHARGED BACK AND FORCED TO PROVE I PARTICIPATED WITH THEM? I can assure you that I have not!