davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

I am a 100 percent XXXX veteran and the company XXXX XXXX XXXX fraudulently stole my identity from just a curious interest years ago. By telling me I could fill out a few forms but it would not enroll me. Years later I received a credit report of this. It had caused me not to be able to purchase a home and other lifestyle materials due to this constantly being updated as accurate updated report every moment I dispute. I have reported this issue to all three credit bureaus and they refuse to remove the fraudulent debt through online dispute but update it then my credit score drops more. Experian has denied me fair investigation using consumer laws. My documents of proof and my veteran  XXXX letter, XXXX ACCOUNT has been submitted and Experian bluntly rejected it as enough proof. I have submitted my XXXX letter since XX/XX/XXXX. My XXXX has been approved since XX/XX/XXXX and both Department of Education and Experian has worked as a team to ensure credit report is updated and I received total mind games. Its like a veteran in XXXX again except with its own companies illegally not following the consumer protection laws. 
I instead applied for XXXX XX/XX/XXXX and Experian refuses to remove item and investigate properly by contacting the Department of Education for verification of XXXX permanent XXXX discharge status. They informed me after I submitted proof I need to submit more. Help free me from this nightmare
Consumer complaint received 2021-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC (MD)

XXXX  XXXX XXXX XXXX sold my financial information to a collection agency named CREDIT MANAGEMENT COMPANY without my consent. This is identity theft. They are a third party debt collector. I do not have contract with them. CREDIT MANAGEMENT COMPANY has been collecting on a debt already paid. They have been reporting false information to consumer reporting agencies. Pursuant to 15 U.S. Code 6801 ( a ) ( 1 ) ( B ) ( i ), I did not give my permission to furnish my reports to any consumer reporting agencies.

Pursuant to 16 CFR 433.1, 433.2 and 433.3, I, as a debtor, am asserting my rights, the alleged debt was paid in full with my social security card which is a negotiable instrument. 16 CFR 433.2 ( a ) - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Consumer complaint received 2021-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

Good Evening. I am reaching out because I received a letter from Enhanced Recovery Company LLC. They are contacting me about a debt that does not belong to me at all. This account was previously with XXXX XXXX XXXX around XX/XX/2020. I disputed it and provided them with a police report. They removed it. Now it appears that it was sold to ERC LLC. I don't appreciate being contacted about a dept that doesn't belong to me and that is fraudulent. I have disputed the validity of this debt and now I am submitting a complaint in regards to this issue. I do not owe anyone XXXX with a reference number of XXXX. This debt does not belong to me.
Consumer complaint received 2021-10-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

My name is XXXX XXXX, I'm submitting this complaint on the behalf of XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX I XXXX XXXX went down to a car dealership un the XXXX called XXXX XXXX at XXXX XXXX XXXX. I went down there because I needed a automobile & I had a coupon for {$1500.00} that the dealership put with my down payment of {$1200.00}. I was told I would need a cosigner & I asked my brother XXXX XXXX to be my cosigner & he sad yes & they asked him to send his information to a XXXX XXXX email & he did. XXXX XXXX comes into the mix by saying if you need another cosigner for her I'll give you my information & they put his name down on the intake form. XXXX XXXX the sales guy said that the car we have is a XXXX XXXX XXXX & I was like I prefer the XXXX XXXX he said we will work on that. So the loan officer came back to myself & XXXX XXXX & said this is going to be a 3 person car loan from this company called Credit Acceptance they help ppl with bad credit build it up, so I was like cool we all need to build our credit score. They said to me you can put the insurance on the XXXX XXXX XXXX & I was like what about the XXXX XXXX that's the car I came down here for. They was like you start with this car & in three months you can come back down & refinance the loan & get a different car, but you have to make payments on time. So myself & XXXX XXXX signed the paperwork they gave us & said they will have XXXX XXXX XXXX out to XXXX XXXX & have him sign his papers & after that is done we will mail you the copies. So 3 or 4 weeks passed & the car note bill came in the mail with XXXX XXXX name on it & he was like why is this car in my name I don't have a drivers license or money to make payments or pay the insurance. He calls Credit acceptance and told them what is this he said to them he didn't sign to be owner he signed to be cosigner. They mad XXXX XXXX the owner & my brother XXXX XXXX the cosigner & I wasn't on anything but the registration, insurance & the one making the payments not getting anything they said. I'm mad because the loan officer from Credit Acceptance approved this loan on false pretenses. They said they approved the loan cuz it stated he is self employed as a driver making a extra {$1900.00} a month with out documentation & XXXX submitted to them his SOCIAL SECURITY AWARD LETTER saying he only gets {$800.00} a month. They took my brother XXXX birthday & ss # and forged a signature & signed it as XXXX XXXX. The loan company didn't verify any information that was sent to them from XXXX XXXX XXXX I blame them cause nothing adds up & that loan shouldn't have happen. They refuse to address the issue all they can say is you signed it so deal with it.But they approved it and didn't verify anything so that makes them at fault also. I'm gon na send some documents that can support some fraudulent actives
Consumer complaint received 2021-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. Portfolio Recovery Services has committed numerous violation against me but not limited to 15 USC 1692g, they did not provide with the name and and address of the original creditor and did not provide the information outlined by 1692g within the 5 day timeframe. They have committed Mail fraud pursuant to 18 USC 1341. They have violated 15 USC 1692e ( 7 ) by implying that I conducted myself in a disgraceful manner by not paying a debt and 15 USC 1692e ( 10 ) by claiming that an alleged debt was valid and stating that I owe an alleged debt when I asked for debt verification that they did not provide. They violated 15 USC 1692e ( 2 ) ( A ) by falsely reporting that I owe an alleged debt that I do not owe. 15 USC 1692b. Portfolio Recovery violated 15 USC 1681 ( a ) and 15 USC 1681b ( 2 ) by reporting inaccurate information to credit reporting agencies and doing so without my written instructions. They have also violated my privacy pursuant to 15 USC 6801 ( a ) and numerous other violations.
Consumer complaint received 2021-10-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Statebridge Company (CA)

We have had a very difficult time with Statebridge. At this point I believe they are a very dishonest and predatory servicer. In XXXX we were a victim of the mortgage crisis and applied for Making Homes Affordable Program to resolve the bad loan from XXXX XXXX. We were approved for the HAMP program. We were upside down on our mortgage and were told we no longer had a 2nd. The 2nd was removed from the fraudulent XX/XX/XXXX loan. 

Now 12 years later! AFTER a global pandemic! Statebridge contacted us stating we are now facing foreclosure. We were very affected financially during the COVID Pandemic and could not believe this was happing to us. On top of that Statebridge is stating the loan is now over {$100000.00}. 12 years later we can not believe this is happing to our family. We have always been current on our first mortgage with XXXX. 

We applied for a modification to try and resolve. We were declined. This is were we are starting to realize we are dealing with a dishonest company. 100 % predatory lender trying to drive our family into a foreclosure and loose our home. 

Our Complaints : First we were told our file was in review with the underwriting department. During this time Statebridge placed a foreclosure sale date on our house. 4 days after Statebridge placed a sale date on our property we were told we were declined by the investor. From our understanding that is illegal in California. Dual tracking under the California Homeowners Bill of Rights.

Secondly, the reason for the decline is a complete lie. It makes no sense and more proof that Statebridge is a predatory lender.

Modification Program Denied Does not meet the Investors Loan-to-Value requirements. 

This is clearly a lie. We owe {$280000.00} on our first mortgage. Our current value on our property is {$870000.00} - {$920000.00} minimum. Also our debt to income ratio meets all mortgage banking guidelines. Based on this denial it looks like Statebridge is not looking at the information provide for the notification review. They are lying and declining the file after they placed a sale date on the property. All of this seems very illegal. 
Third issue we have with Statebridge and the investor. We have been told this lien is a HELOC. A line of credit, not a mortgage. If it is not a mortgage, is there not a statute of limitations for a line of credit?? Like a credit card.
Consumer complaint received 2021-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Profit Services Group (GA)

To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

{ Creditor/Collection Agency } 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 2021-10-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (WY)

Hi, I'm making consumer finaince complaint today about my current mortgage lender ( freedom mortgage ). I've had this loan since XXXX of XXXX. I received a phone call from a loan officer in early XXXX of XXXX. The Loan officer informed me that under Bidens administration there's a plan to cover all refinance fees under FHA loans to help Americans with their home loans and to lower interests rates. However, this was all just a sales pitch and was super deceptive. We went to close numerous times since that phone call 7 months ago and between the lies, false promises, underwriting, and closing. Nothing has added up. Several times we was informed we had to close on the day of scheduled closing date that we didn't know was scheduled. We also never received documents before hand to know what the new loan would look like several times and the numbers was never as promised when we did look at the paperwork. After we realized that wed be refinancing the house wit would roughly end up paying XXXX in closing costs, plus cash to close, plus first payment within thirty days. That we would be refinancing our house for the same overall price as what we purchased the house for 2 years ago. That also never seemed to add up giving the fact that our amortization schedule was computing it's generated numbers in itself and didn't match up. I've also paid extra payments and more towards principal each month to support that fact. I have been given the run around so much that I'm absolutely sick of trying to deal with this company altogether. I feel like they have a good scheme going on and its essentially stealing a tremendous amount of wealth.
Consumer complaint received 2021-11-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (IL)

I was permanently banned from using Venmo and Paypal. I've only used it to pay my landlord rent and to send money here and there with friends. It's honestly extremely inconvenient because Venmo and Paypal are the biggest money transfer services that people in my life use and now I'm banned with absolutely no explanation after emailing and contacting Venmo. They give extremely vague answers. 

My partner just noticed hers was frozen too. Completely different accounts.
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (NV)

I have called Genesis FS Card Service about they keep billing me and I do NOT have their credit card, When I first got it, I cut it up because I didn't want to use it. They keep billing me and I haven't been the one who is using this account. Every month they keep billing me and I told them that I don't even have their card and asked why they keep sending me a bill. I have been paying every month but this has got to stop. I even told the man that he should look into this because I have NOT been using this account. I just received another bill and my last supposed to had been {$29.00}, and I paid them and wrote on the bill, PAID IN FULL but I keep getting bills from them. The only card that I ever use is my Debit card from XXXX XXXX so why are they people keep sending g me a bill over and over again. I told him to close this account but they haven't, they just keep sending bills to me. The man was very rude when I tried to tell him that I do NOT have their card or charge anything to that account. He just got smart with me and told me to keep paying.
Consumer complaint received 2022-03-17
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: TRANSWORLD SYSTEMS INC (MD)

In 2018, a collection was placed on my account by Transworld System for an unpaid XXXX bill that I had never received from the original creditor. I informed the collection agency that I was not initially informed by the original creditor and had already paid the original creditor directly. I reached out to XXXX to explain the situation and have the collection account removed from my XXXX credit report.
Consumer complaint received 2021-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

1. I was informed there are 24 months worth of payments made to my first loan services that must be manually processed 2. I was informed that the reason 84 payments failed to qualify for public loan forgiveness is because of a system incongruity AKA- system error. Therefore, those 84 payments must also be manually processed.

3. The reason those 84 payments were denied for the student loan forgiveness program is for being in an ineligible payment plan. According to the terms of the TEPSLS program, the information is incorrect- since being in a graduated repayment plan IS an eligible one under TEPSLS.

4. They said my case was escalated- but that they wanted to be realistic and honest by informing me it would be many months before the manual processors would see my case.

5. It took me 3 phone calls to finally get this answer. The first 2 representatives disconnected the call. I had no issues with the call on my end.

6. They said they were unable to explain what would happen on when they no longer service the US Dept of Ed loans. So- after all of this hassle, they wont do anything to help my case.
Consumer complaint received 2021-10-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SOUTHWEST COLLECTION SERVICES INC. (CA)

On or around XX/XX/2021 I called SOUTHWEST COLLECTION to discuss my debt and credit reporting. I asked the rep who was in charge of my collection if they would stop reporting negatively to my credit, being that I had set up a payment arrangement with SOUTHWEST COLLECTION, and had already made 2 payments towards that agreed upon arrangement. The rep informed me that he would not remove the collection and that I should pay it in full. I advised him that I did not have the funds to pay in full at the moment. After a bit of back and forth he ultimately refused to remove the negative collection and also threatened to delete my payment arrangement and auto pay and my credit would never be fixed. At the time the next payment should have been deducted from my bank account in XXXX, but the payment was never made. So I assume he made good on his threat and removed my arrangement without my authorization. Now the collection is still on my credit report, and increasing in balance by {$3.00} a month. I feel this companies rep and practices are unethical.
Consumer complaint received 2021-10-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

Hello XXXX, I would like to report one XXXX XXXX personnel who scammed me over - {$5000.00} via credit card dispute. 

He bought over {$5000.00} worth of digital asset from me and one month after he reported to his credit card company reporting unauthorized transaction. He first disputed money in paypal but after one week of reviewing, paypal closed his dispute but then he went to his credit card company and charged back. 


He blocked me and doesnt want to speak with me. He is very active on reddit and is discussing about the bought item in reddit actively proving he still has the digital items he bought from me. He has blocked me and refuse to communicate with me. 


So I would like to report this fraud/ scammer to whichever XXXX department is relevant. If you could assist me, that would be great. 

Thank you very much for your time. 


Paypal case id : ID XXXX XXXX XXXX a link which provides screenshot of the transaction : XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-19
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 — Their investigation did not fix an error on your report
Company: TRINITY HOPE ASSOCIATES (NC)

I do not owe any debt to this collector. While this collector did very a debt with a completely different company they do not and can not state that any debt is owed to them on my behalf. The collector issued a cease and desists on XX/XX/2023 but resumed reporting on XX/XX/2023. Please see attachments
Consumer complaint received 2021-10-05
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: Monterey Financial Services LLC (GA)

The company Monterey Collection services is reporting incorrect information to the three credit bureaus ( XXXX, XXXX and XXXX ) showing the original amount of debt as {$220.00} as of XX/XX/2020 with a now balance of {$280.00}. I have reported this account as fraud to Monterey as I didnt establish this account and they have agreed to remove this account immediately from all three agencies but to date is still falsely reporting erroneous information. I am very concerned that this is unlawfully impacting my credit rating and opportunities In establishing new credit contingencies.
Consumer complaint received 2021-10-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I have been disputing several inaccuracies on my credit report with Equifax over the past year at least with little to no cooperation from Equifax. The most recent of which was signed for and received by Equifax on XX/XX/2021. That letter requested that Equifax either verify or remove the inaccurate items I was disputing in a timely manner as required under the law. 

After allowing more than the 30 days required for Equifax to either properly verify or remove these items, as of today, Equifax is willfully ignoring my request, refusing to delete these inaccuracies, opting instead to change small bits of information to the already inaccurate items and stating that they have verified the items. With every dispute, Equifax responds with a slight change and verified as the result. 

This willful neglect for the law by Equifax has greatly impacted my credit score costing myself and my family undo hardship and anguish. I will also be filing a formal complaint with the state attorney general and the FTC against Equifax for their blatant refusal to delete information that they are reporting that can not be verified properly by Equifax. 

I want these negative items removed immediately as I have given Equifax more than enough time to properly address this issue. I have copies of all correspondence sent and received, sent by certified mail with delivery confirmation and signature required. Immediate removal and deletion of these disputed items is demanded immediately.