davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland - Asset Acceptance, the collection company says I opened a XXXX XXXX credit card in 2006 which I did not. they are are now garnishing my wages and say I owe them over $ XXXX - they can't tell how much it was originally opened for. they have levied my checking acct in the past. I have asked for YEARS to have any kind of proof that i opened it and they have none. They say the burden of proof is on me and I have to file a fraud report. I NEED help. I didn't open this and my credit was bad at the time - no one would have given me a cc for a big amount.
Consumer complaint received 2021-05-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

My original payment amount was {$700.00} dollars. I had called and asked how many days I had to return the money and they had told me 7-10 days to pay off. I paid off the loan within the time frame. I had previously been charged a certain fee. The original loan date was XXXX however I did not get the deposit until the XXXX. ( this information comes in hand later on ). 
I never received a notice, a letter, or an email advising of that pending amount. I am currently unemployed and I do not have the funds to be paying off excessive amounts of money. 
I spoke with a representative today ( XX/XX/XXXX ) and I told her that I wanted my money back. and that I was not aware of what was owed. 
She gave me an email to see if I could get my money back and set up a payment arrangement but she told me that there was nothing further that she could assist me with. That I according to her knew that there was that balance owed. 
She also told me that I had 72 hours from the time the loan was processed to return the loan. How do I return a loan in 72 hours if it took the loan 72 hours for me to receive??? 
I paid off the original amount of the loan which was {$700.00} within the 7 days that they told me. 
They then removed XXXX from my bank in a check form! they do not notify me that I owed something! 

I need a resolution ASAP since I am unemployed and do not have the money to cover this loan. 
With everything that is going on in the world and this whole covid19 and unemployed thing going on, i would think that they would try a little harder to assist us in getting our back.
Consumer complaint received 2021-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (FL)

I received a letter regarding a debt collection on XX/XX/2021 for XXXX XXXX XXXX for the amount of {$370.00}. I have no regards to this information so I paid it no attention at this time. I received a statement on my credit alert that a collection was noted on my report. I immediately wrote a dispute letter on XX/XX/2021, due to I have nothing to do with this and have been a victim of fraud in the past and from this state which the complaint is coming from also, I'm supposed to have been serviced at I never lived there and can prove it. I did not open an account with this consumer and no nothing about it, also would like to have them removed it from my credit reports after I get an affidavit and notarized statement of this claim.
Consumer complaint received 2021-05-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021, I set up an AutoPay for my mortgage with XXXX XXXX through my XXXX XXXX XXXX checking account via their website. This AutoPay should of paid the XX/XX/2021 payment. XXXX XXXX did not post this autopayment and subsequently sent to the credit agencies a delinquent payment notice. 

XXXX XXXX sent a late payment notice dated XX/XX/XXXX, which I received on XX/XX/XXXX, and I quickly called XXXX XXXX customer service and spoke to XXXX, ID XXXX. He informed me that XXXX XXXX did not credit my account with the AutoPay for either XX/XX/XXXX or XX/XX/2021 payments. He did not have an explanation why XXXX XXXX did not post the AutoPay since he saw that the AutoPay was set up on XX/XX/XXXX. He did remove the late fee for their error, however. That day I had XXXX XXXX  XXXX make two payments for XXXX and XXXX 's mortgage payments which brought my account current. 

During this period, I have been applying for a new 12 month construction loan with XXXX XXXXXXXX XXXX, Idaho. They informed me that my credit scores have dropped over a XXXX  points because of this delinquency from when they gave me the initial credit approval to the final mortgage approval, and that the interest rate for the final 30 year loan will have a big hit on interest rate that they can provide. With this news I applied with XXXX XXXX  for this construction loan. They declined my mortgage request because of this delinquency. 

I have sent two certified letters to XXXX XXXX Dispute Department, XXXX New Jersey, on XX/XX/XXXX and again on XX/XX/XXXX to dispute this delinquent mortgage payment. I just received their response in the mail on XX/XX/XXXX where they declined my request to withdraw the credit notice to the credit reporting agencies. It took almost 7 weeks for them to respond. I requested a phone call to discuss their error, which they ignored. This error will cost me significant financial harm if not corrected
Consumer complaint received 2023-01-09
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: Bread Financial Holdings, Inc. (FL)

Credit card XXXX offered XXXX % interest rate on balance transfers for XXXX year. 
I did a balance transfer on XX/XX/XXXX in the amount of {$1700.00}. 
I was charged {$52.00} as a fee, making the total {$1800.00} as the total promotional balance that would need to be paid off by XX/XX/XXXX. 

Everything was fine until my XXXX statement in which I was charged a {$2.00} minimum inetrest fee. Every statement I was charged these {$2.00}. I had to e-mail, call, and fight to have these {$2.00} removed every single month beginining XX/XX/XXXX. Their explanation was that I had a remaining balance every month. My remaining balance was that of my promotinal balance. I did always manage to get the {$2.00} credited every month but it was an extreme hassle as they were not honoring the promotion given to me. 
On XXXX, they then charged me {$4.00} in interest. Once again, the only remaining balance that would be left on the account was the promotional balnce. All other purchases made during the billing cycle would be paid in full. I reached out regarding these {$4.00} and I was told that they would investigate and in the meantime I would not be responsible for the {$4.00}. However they went ahead and added that to my promotinal balance. I have now fully paid off the card 3 months ealry because I can not deal with anymore interest or fees being fraudalantly charged ; I am still owed the {$4.00}. They are liars and have made this a horrible experience and I am sure they do this to many of their customers.
Consumer complaint received 2021-05-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I set up an AutoPay for my mortgage with XXXX XXXX through my XXXX XXXX XXXX checking account via their website. This AutoPay should of paid the XX/XX/2021 payment. XXXX XXXX did not post this autopayment and subsequently sent to the credit agencies a delinquent payment notice. 

XXXX XXXX sent a late payment notice dated XX/XX/XXXX, which I received on XX/XX/XXXX, and I quickly called XXXX XXXX customer service and spoke to XXXX, ID XXXX. He informed me that XXXX XXXX did not credit my account with the AutoPay for either XX/XX/XXXX or XX/XX/2021 payments. He did not have an explanation why XXXX XXXX did not post the AutoPay since he saw that the AutoPay was set up on XX/XX/XXXX. He did remove the late fee for their error, however. That day I had XXXX XXXXXXXX XXXX make two payments for XXXX and XXXX 's mortgage payments which brought my account current. 

During this period, I have been applying for a new 12 month construction loan with XXXX  XXXX XXXX, Idaho. They informed me that my credit scores have dropped over a 100 points because of this delinquency from when they gave me the initial credit approval to the final mortgage approval, and that the interest rate for the final 30 year loan will have a big hit on interest rate that they can provide. With this news I applied with XXXX XXXX for this construction loan. They declined my mortgage request because of this delinquency. 

I have sent two certified letters to XXXX XXXX Dispute Department, XXXX New Jersey, on XX/XX/XXXX and again on XX/XX/XXXX to dispute this delinquent mortgage payment. I just received their response in the mail on XX/XX/XXXX where they declined my request to withdraw the credit notice to the credit reporting agencies. It took almost 7 weeks for them to respond. I requested a phone call to discuss their error, which they ignored. This error will cost me significant financial harm if not corrected
Consumer complaint received 2018-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USI Solutions Inc. (LA)

I received a call from XXXX XXXX at USI stating that I owed a debt from the 1990 's. He stated it was a credit card from XXXX. The debt was originally with an attorney named XXXX XXXX. The debt was paid in full approx 15 years ago. I told XXXX the debt had been satisfied. He claimed there was still a balance and that I had stopped making payments so now they had the debt. Again, I told him the debt had been satisfied in full hence no payments for 15 years. I told him to get the records from the attorney that settled the debt and he told me the attorney had died, although, I found him online, still practicing, alive and well. He just kept asking me over and over again if I was going to pay the debt. Since then, I have scoured my credit reports, called XXXX and verified, I have no debt with XXXX.
Consumer complaint received 2018-11-02
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. (GA)

XXXX View All Accounts Previous Next Details Account # XXXX  Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/2018 Account Status Open Payment Status Past due 30 days Status Updated XX/XX/2018 Usage 100 % Balance {$2900.00} Balance UpdatedXX/XX/2018 Credit Limit {$3000.00} Monthly Payment {$100.00} Past Due Amount {$59.00} Highest Balance {$2900.00} Terms Revolving Responsibility Individual Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX  XXXX  View All Accounts Previous Next Details Account # XXXX   Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date OpenedXX/XX/2018 Account Status Open Payment Status Past due 90 days Status Updated XX/XX/2018 Usage 127 % Balance {$380.00} Balance Updated XX/XX/2018Credit Limit $ XXXX Monthly Payment {$25.00} Past Due Amount {$130.00} Highest Balance {$380.00} Terms Revolving Responsibility Individual Contact Information XXXX XXXX XXXX XXXX XXXX, VA XXXX  ( XXXX ) XXXX XXXX View All Accounts Previous Next Details Account # XXXX  Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/2018Account Status Open Payment Status Past due 30 days Status Updated XX/XX/2018 Usage 130 % Balance {$650.00} Balance Updated XX/XX/2018Credit Limit $ XXXX Monthly Payment {$59.00} Past Due Amount {$73.00} Highest Balance {$650.00} Terms Revolving Responsibility Individual
Consumer complaint received 2018-11-02
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. (IL)

I was notified that a debt existed with XXXX through me accessing my credit file to discover there was a collection item in the amount of {$340.00} dating back to 2016. I contacted XXXX to discover that there was a final bill from a previous address that did not get paid however when we looked further into why I wasn't notified, we discovered this was under an incorrect address as it combined both my previous address and new address as well as my maiden name. XXXX and XXXX both assured me that if I paid the debt it would be removed from my credit report considering it went into collections in error ( without me being notified of the debt ). I paid the balance in full to XXXX who in turn removed the item from collections. This actually made things even worse as the collection item only updated making it a newer item meaning it would sit on my credit even longer! The issue that I am faced with now is when I call XXXX, they say they don't have a file for me ( which I know since XXXX removed it from collections ), however this still exists on my credit file with both Experian and XXXX. I contacted Experian to investigate the issue to have this removed from my credit file only to be told after investigation that the debt would remain. I have called XXXX several times to no avail as well as XXXX who only refers me back to XXXX as they are the ones that reported the negative item on my credit report.
Consumer complaint received 2018-11-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

My HLOC was transferred from XXXX XXXX to XXXX XXXX XXXX. I made my first payment of {$310.00} to Rushmore on XX/XX/2018 through XXXX bill pay. Subsequestley Rushmore called me and said they had not received the payment. I contacted XXXX and they verified that an ACH payment of {$310.00} was sent to Rushmore and cashed on XX/XX/2018 by Rushmore Rushmore continued their daily dunning calls and said they had not received payment. I obtained a proof of payment form from XXXX and faxed it to the fax number supplied by Rushmore. Rushmore informed me that they opened an investigation into the lost payment that would be completed on XX/XX/2018. 

I continued to receive daily dunning calls. I contacted XXXX and they called Rushmore on three different days and stated that my payment had been cashed. 

On XX/XX/2018 early in the morning I received a call from Rushmore about non payment and they informed me that there is no evidence that they had made any investigation of my lost payment.
Consumer complaint received 2023-01-29
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. (NJ)

the credit bureaus XXXX, XXXX, transunion are reporting incorrect information on my credit report such as names my social i have a social security number on my credit report that doesn't belong to me reporting fraud accounts I need accounts that do not belong to me remove and deleted XXXX XXXX /ACCOUT # STARTING XXXX XXXX DOES NOT BE LONG THE SAME ACCOUNT IS REPORTING TWICE FROM THE SAME CREDITOR THIS NEEDS TO BE DELETED DATE OPEN XX/XX/XXXX XXXX. XXXX XXXX XXXX ACCOUNT NUMBER STARTING WITH XXXX IS NOT MY ACCOUNT NEEDS TO BE DELETED /DATE OPEN XXXX XXXX XXXX. XXXX XXXX ACCOUNT NUMBER STARTING WITH XXXX XXXXXXXX THIS ACCOUNT DOES NOT BELONG TO ME NEEDS TO BE DELATED XXXX. XXXX XXXX XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT THIS NEEDS TO BE REMOVED AND DELETED XXXXI HAVE A SOCIAL SECURITY NUMBER ENDING XXXX REPORTING ON MY REPORT WHICH IS NOT MY SOICAL CREDIT NUMBER THIS NEEDS TO BE REMOVED AND DELETED THIS IS FRAUD EVERYTHING ABOVE NEEDS TO BE DELETED ABOVE OR I WILL BE FILING A LAW SUITE TRANSUNION XXXX.MY NAME IS XXXX XXXX XXXX NOT XXXX THIS NEEDS TO BE FIX XXXX XXXX SHOWING A BALANCE OF XXXX THIS IS NOT MY ACCOUNT NEEDS TOI BE DELETED OFF MY REPORT XXXX XXXX OPEN XX/XX/XXXX THIS IS NOT MY ACOUNT I EXPLAIN THIS I DID NOT OPEN THIS ACCOUNT XXXXXXXX XXXX  XXXX DATE OPEN XX/XX/XXXX THIS NOT MY ACCOUNT NEEDS TO BE DELETED HAVE XXXX ACCOUTS HOW WHEN XXXX WAS NOT OPEN BY ME HARD INQUIRIES XXXX. XXXX WAS NOT INQURIE BT ME THIS IS FRAUD THIS NEEDS TO BE DELETED XXXX. XXXX XXXX XXXX NEEDS TO BE DELETED I DIDNT APPLY FOR THIS XXXX. XXXX XXXX XXXX XXXX WAS NOT ME THAT APPLY NEEDS TO BE DELETED XXXX XXXX XXXXXXXX XX/XX/XXXX NEEDS TO BE DELETED XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX NEEDS TO BE DELETED XXXX XXXX XXXX XXXXXXXX NEEDS TO BE DELETED XXXX XXXX XXXX XXXX NEEDS TO BE DELETED XXXX FROM MY UNDERSTANDING IT WAS A DATA BREACH MY PERSONAL INFORMATION WAS EXPOSED AND ACCOUNT NEEDS TO BE DELETED THAT DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BE DELATED XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ADRESS NEEDS TO BE DELETED NOT MY ADDRESS HARD INQUIRIES XXXX XXXX XXXX DATE XX/XX/XXXX NEEDS TO BE DELETED XXXX XXXX XX/XX/XXXX NEEDS TO BE DELETED XXXX XXXX XXXX XXXXXX/XX/XXXX NEEDS TO BE DELETED
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. The Credit Bureau stated my account ( XXXX XXXX XXXX Acct # XXXX ) was properly investigated but how is that possible when the open date is inaccurate and the last date active is not accurate. This is grounds for removal. They also violated my rights under 15 US C1681 Section 602 A states I have the right to privacy.

15 US C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-11-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

On XX/XX/XXXX, I received a letter from my Mortgage company XXXX XXXX XXXX stating that on XX/XX/XXXX my mortgage will transfer to XXXX XXXX. Prior to the change, it was time for my yearly mortgage analysis and my new payment will start on XX/XX/XXXX to XXXX XXXX. I received a letter from XXXX XXXX on Saturday stating that they did another analysis on my mortgage and they discovered that I have an escrow shortage of {$730.00} already with only making two payments ( the last old payment of {$1000.00} for XXXX and one new payment of {$1000.00} for XXXX ) to XXXX XXXX and my new mortgage payment will increase to {$1000.00} beginning XX/XX/XXXX. Upon receiving XXXX  XXXX XXXX analysis, they give you two payment options to choose from if there's a shortage. Comparing the current amounts of my taxes, homeowners insurance, and my MIP to my new amounts, my home taxes raised {$8.00} per month ; insurance lowered {$13.00} per month and my MIP lowered {$1.00} per month. This is where I'm having a difficult time understanding why and how if certain items have lowered, why an I short {$5.00} per month. They tell me those are projected amounts ( the amount that could be but its really not as of the present time ). If im already paying a projected amount, why do I have to pay for a " cushion ' as well? It's the same exact thing but worded differently. Not only are they charging me extra money but the form XXXX sent me had incorrect information on there. This needs immediate attention and a new form sent to me with all corrections XXXX. Under the section of the analysis where it states the payment breakdown as of XX/XX/XXXX, XXXX and I both told XXXX ( ID # XXXX ) that the amount and the date were incorrect. {$1000.00} is my new amount as of XX/XX/XXXX. In XXXX, my mortgage was {$1000.00}. XXXX ( XXXX ) proceeded to inform us that they can not change any information on the legal documents and I have to keep the incorrect one. Is there some type of protection for consumers for these types of situations? When I received that letter, I immediately contacted HUD and they directed me to find the number to XXXX where I was assigned to XXXX XXXX. We did all that we could to get them to resolve these problems and there was nothing XXXX ( XXXX ) could do for us. I am writing to ask if there's someone that could assist me concerning this matter? I do not have much time to get this resolved being that my new mortgage starts XX/XX/XXXX. Thank you for your speedy response.
Consumer complaint received 2022-05-30
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: Experian Information Solutions Inc. (MD)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (VA)

Date of Service : XX/XX/2013 Amount Owed : XXXX Since XXXX I have been trying to have this erroneous reported debt removed from my credit report. It has had adverse affects, especially at a time when I am trying to get a home loan. 
I was part of the hospitals financial assistance program and my date of services was XXXX out and covered by the program : XXXX. 

The hospital sent word that : " Ive just heard back from XXXX XXXX. Theyve confirmed that the account has been closed from ARS ( Ability Recovery Services ) per the financial assistance approval. They have also removed any derogatory credit reporting that was done as a result. '' Yet when I contacted the credit bureaus recently, they say the removal happens immediately once it has been reported and it has not been removed. 

I feel I have very little control over what is happening to my credit. The credit bureaus don't care about the proof I have submitted or what I have to say or what the hospital has to say. They only want to take the side of the creditor which is a 4th party at this point. I can not live with this type of unnecessary stress and now am having negative repercussions for something that never should have been sent to collections and on my report to begin with. 

The hospital has been amazing and has done all they can do. I am extremely impressed and thankful for their help. This is now up to Ability Recovery Services to remove this account from my report immediately. Not when they feel like it, but immediately. 

I'd also like to send a complaint about the bureaus for not performing proper investigations into this and for not accepting the word of the hospital and proof I sent in. This could have and should have been handled immediately once they received all of these documents. They also refused to contact Ability Recovery Services. So tell me, how can they perform investigation on disputes without proper communication? 

Thank you in advanced for your help in this matter.