davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I have been getting recorded calls from a collection agency telling me to get in touch with a different number to settle a debt. I have called them multiple times stating that the person they are looking for is not longer the owner of this phone number and I have been told that they will remove it from their list. However, after many months they keep on calling at least twice a day and now I do not know what else I can do.
Consumer complaint received 2017-12-22
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (MN)

this is now the third complaint because they keep stating different things in the initial complaint XXXX they stated that my XXXX account ending in XXXX could stay open because it was opened after the original filling and the conversion to a chapter XXXX bankruptcy. then I filed another complaint stating that my XXXX , XXXX XXXX, XXXX account would follow the same as the XXXX 'XXXX account opened after the initial filing and the conversion of the Chapter XXXX bankruptcy. complaint # XXXX however you are now stating that is not since the account were open prior to the Bankruptcy yes they all were opened around the same time. XXXX was opened XXXX, XXXX XXXX XXXX XXXX, XXXX 'XXXX XX/XX/XXXXand XXXX XXXX XX/XX/XXXXso you can see all account were opened after the initial filing of the chapter XXXX bankruptcy. They are stating than they account ca n't be re-opened because they were opened after initial filing and then a conversion took place they need to be closed. However please note that you have conflicting information from one letter to the next. Being that the XXXX account was opened after initial filing and conversion. All accounts were closed/suspended at one time and then in XXXX I was informed to fax over discharge to show no accounts included and all accounts were re-opened after conversion so I am beyond confused as to why you are now telling they need to be closed. There were even credit line increase given after the accounts were opened in XX/XX/XXXX. If you feel that all accounts need to be closed because of the conversion please quit sending statements as I will than consider all accounts included in bankruptcy and stop making the payments.
Consumer complaint received 2017-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I have encountered fees when I have purchased items from certain vendors. Such as XXXX XXXX or XXXX. I make the purchase with fees in my account. The account debits the amount. Later, Citizens does not withdraw the amount. FOR WHATEVER REASON. I guess this is the part where they are going to make their money. They put the money back into my account showing I have more funds than I actually have. Online, it shows that I have the extra amount in my account. Again, what is the purpose of having online banking if the amounts are not true? I may have spent the extra cash but my account reflects online that I am able to deposit the money into my account at a later date to avoid fees. Why do you have this system in place saying if you deposit by 10 you wo n't get a fee? Next time I will take screen shots of how this took place. Better yet I will find a new bank.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have expressed that the following addresses are incorrect and that they need to be removed. I have also called all collectors to update my only address that needs to be on file. The following names are also incorrect and have never been linked to my social security card. My phone number on file should also only be XXXX instead of this long list of phone numbers that are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I sent over my DL and social security card with my name listed as XXXX XXXX XXXX XXXX and my address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC (CA)

SinceXX/XX/XXXX I have been sending Frontline Asset Strategies {$50.00} per month to settle an old debt from XX/XX/XXXX. Each month I receive a statement saying, " Thank you for your recent payment of {$40.00} on ... '' No mention is made of the remaining {$10.00}. 

When I contacted FAS, I was told that there is a {$10.00} per month service fee, but no justification for falsely reporting the amount received was made. 

My complaint is this : ( 1 ) Each month they receive {$50.00} from me. I believe I should be receiving a receipt for {$50.00} regardless of how they allocate it. 

( 2 ) This company provides no service to me. I should not be paying them {$10.00} per month to collect {$40.00} per month. What they collect from me should be applied to the debt I owe. I should not have to pay the debt collector, to collect my debt.
Consumer complaint received 2017-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CT)

I have tried to get this resolved with Experian for quite sometime. They are violating my rights under the FCRA. They have 2 southern ct gas companies listed that are n't mine. One for {$87.00} and another for {$1600.00}. What they do is put in no data at first then they 'll update it to 150 days late, then closed, and put it back as okay or open as if I 've been doing activity on the accounts which i have not. These accounts are not mine. I do n't agree with any of it including the amount. I do n't have utilities in my name. I have also put a fraud alert on my reports. I also do n't have an account/contract with credit control services. Once again they claimed to verify this account but in my complaint against them through your file number XXXX they stated that they could not find any file under my name. So how are they verifying this once again? Does an actual person investigate as they are supposed to under the rules of the FCRA? I do n't think so. The address of XXXX XXXX XXXX XXXX is also not mine.
Consumer complaint received 2017-12-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Accounts Management, Inc (SD)

XXXX XXXX XXXX XXXX office in XXXX XXXX SD, office of XXXX XXXXt has in the past sued me alone for my wife 's medical bills totalling $ 16,000+. They told me I would not win in the lawsuit so to just accept it and not even bother going to court. They garnished my wages for her debt, and even when the amount had before the lawsuit been disputed as the hospital had not billed the insurance company for treatment, they told me it was n't their fault and that it was MY bill to pay. Since then I have been garnished by them illegal amounts multiple times and while there is NO interest agreed to, they have added high interest to the judgment against South Dakota state law and have not noted on the most recent garnishment paperwork, illegally, that there has been several XXXX dollars paid to them. This company, Accounts Management Inc practices deceptive and illegal practices. These are mostly attributed to XXXX XXXX who uses the attorney 's rubber stamp signature while filing illegal paperwork.
Consumer complaint received 2017-12-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: JPMORGAN CHASE & CO. (WA)

my identity was stolen in XXXX 2017. Someone used my SSN, maiden name, married name and former address to open up at least 12 accounts. At that time i filed a police report ( attached ) and requested from many creditors that had my information submitted by fraudulent means to close all fraudulent accounts. Chase seems to have kept a line of credit AND a checking account open in what is supposed to be a " business name '' of XXXX XXXX XXXX. my official business is XXXX  XXXX XXXX. The overdraft line of credit ending in XXXX i just got notice has been closed. However -- -what concerns me is the fees or any outstanding balance on this account and any other accounts that might have been opened in my name ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX ). i do not have ANY OPEN ACCOUNTS legitimate ones that i opened -- with CHASE - at this time. i want them to investigate and remove my name from any credit bureaus, as well as release me from any outstanding balances. i have attached a police report as well as letter i just received from chase.
Consumer complaint received 2017-12-21
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. (GA)

I cant remember the dates exactly but i disputed, sent letters 3 different times this year about removing unauthorized inquiries to XXXX, Experian, and XXXX. The inquires were Auto Financing companies.and other companies XXXX XXXXXXXX auto financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX
Consumer complaint received 2017-12-21
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: BROKER SOLUTIONS, INC. (TX)

I had called on XXXX/XXXX/XXXX to get a payoff amount, I spoke with the new American Funding representative that stated I had a payment due. I explained to her my situation that Im going through a tough and stressful divorce that I wouldnt be able to make it. But that on XXXX/XXXX/XXXX New American Funding would be receiving full payoff. I had to sell my home due to the divorce. After being done with the conversation I understood I would be ok because XXXX XXXX XXXX would be receiving their funds in 5 Days. But now I am trying to get approved for a new home loan and can not get it because I had a misunderstanding and new American Funding report a late payment to my credit. I have never had an issue with them the whole 3 and a half years I was with them. I spoke with he XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX didnt get much help from him. I called back in the morning XXXX/XXXX/XXXX XXXX my time ( Texas ) and had to tell the whole thing all over to a representative in home retention ( XXXX ) She took the  message and said the manager above XXXX was in a meeting but would give me a call later in the day. I never got a call back. I called again and spoke with another home retention representative which couldnt or wouldnt get me to a manager. She just kept saying well new American Funding would not remove something from he credit. All I wanted was some help to fix this misunderstanding that happened because of their communication. And got nothing in return but a no we cant or we wont do that, even after receiving full payout this morning ( XXXX/XXXX/XXXX ).
Consumer complaint received 2017-12-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (IL)

in XX/XX/XXXX I requested proof of signature on loan documents from XXXX 's, XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX and XXXX XXXX and again in XX/XX/XXXX. Also have filed several disputes over the last year and a half they keep verify the debt as accurate. I also have file multiple request For XXXX XXXX, XXXX and XXXX. XXXX and XXXX remove the accounts and just recently put they back on my reports no one will prove it I have made over a dozen request with each credit agency and company. I know they can not prove it because I never signed anything.
Consumer complaint received 2017-09-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MI)

I have been trying to apply for a loan modification for 3 years now when my husband was injured at work and I was having trouble keeping up with the bills on my own. we 've had to send in same paperwork numerous times and either they do n't get it ( even though someone signs for it ) or something is always wrong with it. I hired a 3rd party company ( XXXX XXXX ) to try and help with Ocwen. It i going on year that I have been dealing with them and nothing seems to help. Same thing with them Ocwen either loses paperwork or they say they did not get even when someone signs for the delivery. Its always something. They tell me Ive been approved and send the papers I need to sign ( 6 times ). Every time I sign and send in something is wrong, either they did n't get or notary does n't acknowledge my signature which my name is not on the loan. The notary does n't even understand what they mean. I 've had to have the same paper notarized 6 time. Then they say everything went through and expect finalization papers and instead I get default letters. I have been making my payments as per agreement. They input my payment a late. I ask what the issue is an again they say something to do with paperwork. I try to make my next payment and they refuse it and send it back to me saying its not enough to reinstate. and threaten foreclosure. I think I get everything straightened out and back to default. It just keeps going round and round. And now I get a letter that my home is going into a sheriff sale on XXXX,2017. My home was never put into the foreclosure process. I get 1 letter saying that I am only {$2200.00} behind and next letter is {$4000.00}. Almost all of this is due to their negligence. How can they put my home in sheriff sale so soon and not go through the foreclosure process and with only the small amount owed. I have contacted the attorney general, the office of insurance and financing and my congressman and nothing or no one can seem to help with this company and their wrong doing. How can a company that has had so many billions of dollars in lawsuits for the same things be allowed to continue to do business. I do have an appointment with a lawyer tomorrow to see what my options are. There is more to my complaint but to much to list on here. can someone please help with this.
Consumer complaint received 2017-12-21
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Cherrington Firm PLLC (MI)

They called me to collect a debt from a grocery delivery service. They have done a few things that were unlawful. First, have called me multiple times and then would just hang up when I answered. Second They lied to me, saying they represented XXXX XXXX XXXX. Also, they did n't send me written notice of the debt. ( they sent a letter to a wrong address ).
Consumer complaint received 2017-09-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Portage Financial Services Company Inc. (OH)

Total amount of car loan was paid in full ( XXXX ) the company ( portage financial services ) they stated the amount was not accepted. The reasoning was told to me that the payment was to large. I have an email confirmation and also a confirmation of payment from the sigma website saying the payment was accepted. A convinience fee pf XXXX was also paid. The company called me stating i had to bring money to them personally because it was not accepted, but in the website the confirmation shows that it went through. I asked them to send me the statement directly from the bank showinge exactly why the payment was reversed. They claimed they would send me an email i hBe recieved mothing. Everytime i call ro the company to speak to the manager she is always unavailable. I have 2 recorded calls from the manager and also the woman handling my account as well..
Consumer complaint received 2017-12-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

I talked to Shellpoint Monday, XXXX/XXXX/XXXX about all of the necessary documents needed for my short sale. I faxed them off the same day and received a fax confirmation. 

Today, XXXX/XXXX/XXXX I received a call from the XXXX XXXX ( Single Point of Contact ) stating that they did not receive my documents with XXXX dates or signatures, which is false. He also stated that now they need new, updated bank statements and pay stubs, which was never mentioned on my call with them on Monday, XXXX/XXXX/XXXX. I am getting ready to refax ALL of these documents again. This is so ridiculous. They are extremely incompetant. 

There is still a clear lapse in communication with this mortgage company. They constantly lose documents and give inaccurate information. This is slowing down my court-ordered short sale process. I am still paying other bills on this property such as security to protect from squatters as well as HOA fees.
Consumer complaint received 2017-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

In XXXX 2017, I have signed up for a American Express XXXX cards with the promotion to award XXXX XXXX XXXX reward points after I reach the spending limit of {$3000.00} which I did. I have confirmed multiple times with American Express customer representatives regarding this welcome reward point during and after my application. All those American Express customer representatives have promised and confirmed with me on the recorded line that I should be awarded with those XXXX points after I reached the spending limits which I did. With such promise and conditions, I was convinced and applied for this card with {$95.00} annual fee. Unfortunately, most recently they told me that there was a fine print terms in the application contract that those reward points will not be given to me since I had the similar card before. First, I do n't remember I had similar card before. Second, I did not remember I saw such fine print terms in my application form. Therefore, I believe this is a very unethical and wrong business practice conducted by American Express. I am urging American Express honor that they have promised to customers and correct their wrong doing.
Consumer complaint received 2017-12-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CORELOGIC INC (PA)

I check my XXXX XXXX frequently, especially because I 'm buying a house & it 's important to me to remain above 700. Anyway there is a inquiry from a company twice the name is XXXX location XXXX XXXX Ca XXXX phone number XXXX XXXX XXXX ) XXXX I called & it says NOT in service. The account also says it 's " misc ''!! There was XXXX inquiries first XX/XX/XXXX & XX/XX/XXXX. There was no more information on it. Please help it is very important like i said I 'm buying a home, I already got a preappoval but it 's not over yet. Getting a low finance charge on accounts is everything. Thank
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

Hi! How are you? I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I am writing to dispute the alleged debt mentioned reported by your company. This account is fraudulent, and I have never had any prior relationship or entered into any contract with either of these companies.

The reporting of this account violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this, I am requesting the following documentation : 1. Proof of your authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt.

2. The legal basis for collecting this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. A full account history, including all related charges.
Consumer complaint received 2017-12-22
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 submitted disputes on XXXX and XXXX of XXXX and have not received anything but the standard its been verified letter from only one of the bureaus. Not once did any of the credit bureaus send me verifiable documents showing that these accounts should be on my report. These accounts I have disputed should not be on my report and I want them removed immediately if they can not furnish me with the documents I have requested. As a consumer it is my right under the Fair Credit Act to request 100 % viable proof that those accounts disputed belong to me. If this is not done, the credit reporting agency MUST DELETE THE ACCOUNTS. I am asking that the accounts listed in my disputes to XXXX XXXX - XXXX and Experian be deleted immediately as they have taken well over the time frame and have not provided me with any kind of proof whatsoever.